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1. Three Way Capital Collect

One of the important factors needed to start a business is capital. Capital needed for business is usually divided into three: First Capital Investment, Working Capital, and Investment Operations, but after knowing this, some people even more dizzy. "Counting's capital is easy. The problem now is how to do so capital can be accumulated?" so maybe you're thinking. This discussion is interesting, because many people difficulty raising capital business. Then where they can raise capital? There are three ways to raise business capital:

1. Capital itself
First obviously, if you want to start a business, you can use their owned capital. How can the taking of deposits that you have now, whether from savings or time deposits or by selling assets you have. For example, many people who sell the bike to become the business capital, or sell the jewelry they own.
Selling goods to increase business capital are common. Most important, do not feel too dear to sell some of your assets to increase business capital. For example, if you do not have the money to venture capital and had to sell your jewelry, so sell it. Later when your efforts are successful, you could always buy more jewelry the better. Really, what?

2. Borrow
Borrowing money for business capital is also often done. By borrowing, businesses often do you dream can come true faster. This is better than waiting until the accumulated capital. Just because you get capital by borrowing, you really should pay attention to your cash flow. This is because you would have to return the money you borrow. Whether the return on a monthly basis, 6 months, or maybe years.

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

3. Cooperation
Instead of using your own funds all, or than you borrow, why not try to collaborate with other people? With long term cooperation, the risk of your business can be smaller because it must be shared with your friends. Just, you earn profits must also be divided. That is, the risk is shared the benefits must also be divided.

Now the problem, is there someone who will cooperate with you? That depends on whether you can as well offer a reasonable profit on the business you offer. However, the offer is not enough profit. You also must be able to give a good approximation, is not proud of the people you want to cooperation.


Also, if possible, an explanation that you provide should also be reasonable, sober, and not merely describe the benefits to people who you want to cooperation. Well, now, you already know how to raise capital to start a business. I hope the three options above, you can determine which option is best.


2. The Preferred Customer


There are three things important in the eyes of the consumer; price, quality, and speed. The increasing competition in recent times, like it or not, make the producers or service providers should be able to provide those three things to the consumers. Here are tips that you can follow in order to meet consumer desires and excel in the competition:

1. Both in everything, great in one thing
Consumers expect your business can offer the best quality, low cost, and timely service. However, consumers do not expect your business is great in all three aspects mentioned above. All you can do is find out your business rating in terms of price, quality, and service. Find someone who can provide an objective assessment. Make sure your company's performance is better than your competitors in 1 case, and quite able to compete for 2 other things.

2. Strengthen your position
Customers will choose the best service, products, food, or whatever they want to get from the money they spend on the advantages offered by the company. If they are not sure what your company's strengths, they would prefer a company that has clear competitor strengths, and can give them what they are looking for. Steps you can do is to determine, add, and promote your strengths. If you have a price that tend to be cheaper than your competitors, make sure you have a team that constantly monitor the competitors' prices in order to ensure that your prices are the best. Do not forget to promote your competitive prices to help sales.

But if your company is better than a competitor, make sure it really happened. For example, if your company is able to finish orders on time and in good condition, then keep the brand positioning. Promote, that your company is one of maintaining the efficiency of work and time. If quality is your priority, both in terms of products, services, expertise, convenience, and business settings, or the reputation of the whole, then maintain your advantage by continuously improving your product or service.

3. Face your weaknesses
To grow a business, you should be able to attract the potential customers who assume that you do not give them what they need, and offer added value. Learn the reasons why the prospective customer does not choose your company. Think about why they think that your company can not give them what they want? If they are wrong impression, help your prospects to look differently. If they are correct, add their offers to do business with you.

4. Apply now
If big companies can customize their large organizations to meet demands that the market wanted everything, even a small company you could do it too. Do it now!

3. Errors in Business Blogging

Many large companies are developing blogs to complement the company's official website, the goal, in order to more easily interact with customers, and with a more casual way. Blogs are also a means of beginning to introduce business products or services. If managed properly, blogs can draw attention to the business, in addition to reaching new customers, and changing existing customers into fans. Take a look at brands like Apple, BlackBerry, or Crocs, they not only make consumers use goods, but also affects the people in the neighborhood to participate wear.


But creating a blog for small business is not easy. It takes hard work, ability to think creatively about your business, and develop a blog that is read many fans. If you avoid the five mistakes in the following blog this, your chances of building a successful business blog is not just a dream anymore.

a. Error # 1: Treating your blog as a press center
This was mistake number one business bloggers. Blog is not the place to give a press release. Blogging is a means of speaking, which offers a way for consumers how to connect with your business at a new level. The press release is just the opposite. Its contents are not personal, self promoting, so that most readers do not believe it. If you use a blog just to publish a press release, the reader will not be interested to read it, let alone believe it.

Tip: Make a blog to announce your product or business, with an original way of writing and more casual. Then, use the blog to write things other than business. Share your thoughts about the industry, how the working life from day to day, and provide tips and tricks to do business based on your experience.

b. Error # 2: Not to post regular text
Ever see a particular blog on a regular basis? How often do they publish the article? Most blogs are widely read people usually have posted new content at least several times a week. Such blogs are also trying to comply with the timetable to make writing a regular basis, because if the blog continued to show something new, the reader will continue to return. You too can build a user community, and turn them into fans.
Tip: If you having trouble finding an idea of what to write, you can take your team to discuss, or a trip to the mall to observe the behavior of visitors. You can even lure customers to provide input on topics to be written.

c. Error # 3: It allows interaction with readers
If blogging is a means of discussion, what does it mean if we do not open the opportunity for readers to interact with us? Make the most of blog comments field to receive comments or criticisms from readers. Invite them to respond to your postings, or anything related to the blog.

Tips: Communication should go both ways. Therefore, respond to reader comments, whether praise, give advice, or even criticize. Your willingness to connect with the reader will develop a community, that the faithful will provide quality feedback. You also need to participate in conversations on other blogs in the same industry. Blogging point to introduce your brand, and reach new readers.

d. Error # 4: New Content hard to find
Your blog will be judged less applicable if the reader can’t find a new content-content with ease. Make sure that any new content you add up quickly and has a plot that is easy to read.

Tip: Your blog can be made in order to find a link to it prominently from your company website, or enter your blog address in the email. It could also put it on business cards. Use the RSS feed, or data format used to provide content that has been updated regularly for the reader. Social networking sites like Twitter and Facebook can also be used to spread the new blog content.

e. Error # 5: Expecting too much, and too fast
Like race, blogging is not a sprint race, but a marathon. Building a blog to known people need time, even in the first few months you'll feel for your own writing. To build a community of readers, especially readers who are faithful, certainly is not going to happen in quick time. Do not expect an instant feedback.
Tip: Set goals that are achievable, and do not give up after three months. Give at least one year to send the content on a regular basis.

4. Sharpening Tricks and Business Intuition


Was very passionate desire to open new business opportunities, but you are still hesitant to get started. Or, the intention is still a way to do business in the place, because you're still confused how to seize opportunities and attract as many customers for goods or services you offer.

Suryono Ekotama, director Smartpreneur Business Club, in his book Doing Business with the Right Brain, explains, many ways to start a business. The way that you choose not just to start, but also to sharpen the intuition in business, so you can develop a greater effort again. With a variety of options available means, you can hone entrepreneurial talent in the following ways:

1. Reading business books
Practical business book that is now written in easily understandable language, and comes with a bonus CD if you want to hear the audio version, Business sector also offered many kinds. Choose a book with the appropriate field of your choice, and learn practical tips are provided.

2. Following the discussion, talk shows, or a business seminar
Start looking for a schedule discussions, talk shows, or business seminar, everywhere. From the seminar themes, you can follow the development of current business trends. These seminars are also attended by the beginners in the field of business. You can find out what problems they faced during the questions and answers. Many other things that can benefit you get from the seminar, including:
- Having knowledge about the business.
- Adding the experience, at least from the experience of resource persons, how to run the business.
- Get ideas and inspiration that can pump energy.
- Adding a lot of acquaintances, so opens the opportunity to become business partners.
- Introduce your business, by sharing business cards and a short presentation about the character of your business.
- Free Consultation with various parties who have more experience in doing business.

3. Finding a mentor
Modeling the needs are also important. With the role models you can find passion, knowledge, and experience to survive. How to get a mentor is to open the widest intercourse. Among numerous occasions following discussions, talk shows, or seminars. Good relationships are also important. With the closeness you can easily ask for time to talk about the business world. Because usually, successful businessman is very limited time, a success if you can share knowledge and opens new opportunities of business relationship (business to business).

4. Involved directly
After learning, arm yourself with knowledge of business, now it's time to start. Capital risked it could be a trigger. Of course accompanied by mature calculations based on the knowledge you absorb before, plus venture capital, preparation, and the relationship that is wide enough. Successfully opened a business and continue to learn throughout life is a journey to improve business.

5. The training or business training
Not much different from previous activities such as seminars, training is also a major contribution to the progress of your business. Through training, you can get practical business knowledge with more time. Indeed, you have to pay quite expensive to get such knowledge. However, suppose that the cost of training as an initial investment to lure more of material from your business that will develop later.


5. Business Building Success Together Couple


As with your partner, you feel happy, feel strong, and feel no one will be between you and him. Communication smooth, easy to understand each other, then come the idea to open a business together. In reality, not as beautiful as a dream shared in the early plan. Ideas and willingness to undergo the business began to clash. Although the same goal, but it's not that easy to achieve, because of the way each individual is different. Before the unlikely event of unwanted, consider the following tips to be tips for personal and professional relationships you could go smoothly:

1. For the role
Do not let your role and she overlap, Create an agreement on respective roles and make sure you and she are both comfortable with that role. For example, couples and Dwi Hadiwibowo Eduard Lindawati that opened restaurant The Taste. Linda, the wife held the title role with director, while Eduard, Managing Director holds office. "I'm more into the business field and supervision, while Linda determination arrange to do a recipe and calculate everything, Though we are both graduates financially, but we share the role," explained Eduard. One trick you can do is to define a unified vision and common ground. The foundation which later became common, and help you and he reached an agreement during the feud. Estimate is it possible if you and he became an equal partner, and not one to be the boss? Compromise is an exercise no ending, prepare yourself.

2. When separate
In the morning when you wake up, you met him, At noon, at the office, met him too. At night, when going to sleep, she was there next to you. Well, a long boredom can be a stumbling blocking your connection, Try to leave time for hobbies each, separately. Whether it be with you go to the supermarket to shop, the she went to play golf, whatever each of you like, provided that allow one another to feel "me time". This way, you and he did not get stuck routines, reducing friction and tension of work between each other. When enjoying time alone, you and he can correct and more reflection, thinking about what could possibly interfere with relationships and business, then introspection and find a solution.

3. Clever put themselves
For couples who have marital relations and engage in a business relationship, should not mix the two. It is important to share time and part time at the office and when outside the office. As for work, you and he should be able to focus on business problems, while about personal relationships, should not be carried over into his professional affairs. Remember, that you and she are in a team. Team marriage and teams in business, is not the same thing. You and he need one another to support each other in difficult times both in her married life, also on the job.

4. Mutual respect
This is quite tricky. Mutual respect is essential to a business partner. When needed, we should be able to switch roles of husband and wife to a business partner, and vice versa. In a business relationship, this should really be done, because if not, can trap our minds. You might even look him in the capacity of the spouse, when there is a problem in the office rather than as a business partner, this must be avoided. Couples must be respected as such he was a "partner" while on business.

5. Romantic Dating
If possible, prepare a specific time to go out and prepare a romantic time. When this happens, try to not talk business. When he was enjoying the time not as a business partner, devoted admiration, love, and respect you as a wife to him. Enjoy your time with him as possible. Or it could also spend quality time with the children.

6. Regular business meeting
In the office, you and he should be able to position themselves as partners, and partners must have the same goal. Strive to make a serious conversation at the office. Take advantage of time-time in the office as a partner, talk all about the business in a professional to complete, routinely done, so that both can be put together ideas and desires. Then find the middle road. This is important, so that the employees did not feel confused who should follow the talk. Use the meeting time is also to give each other positive feedback and encouragement to one another.


6. Exactly How to Reject Bids from Product Sales Clerk


When you offer your products over the phone, sometimes your prospects say, "I'll, I think about it." Are they telling the truth? Or, what is the purpose of this statement? When you think of the prospective buyer, you must know that the purpose of the statement. The statement you are accusing me not because you really want first thought, but because you want to stop the barrage of offers from the sales staff to call you. That's the way that is considered polite to refuse the offer of product sales officer. If you do not respond with a rejection, you will waste a lot of time and energy to follow up with e-mails and phone useless.

But according to Jim Domanski, Teleconcepts CEO Consulting, which provides consulting firm on the tele-sales, there are a number of prospects who really need time to think about it. There used to want to think about their choices, some that want to collect more information first to make sure they do not make the wrong decision.

If you are a sales representative who cynically and repeatedly hearing this objection, you may not take it seriously, and therefore you fail to follow up, and lost opportunities. Then, how to deal with these annoying answers? In one set of 80 articles in the book Secret boost turnover, Domanski share tips:

a. Do not say anything
When prospects say to you that he wants first thought, do not say anything. Just wait for him patiently. The silence on the phone to create vacancies, and most people become uncomfortable with silence. After two, three, or four seconds, most people are driven to fill the silence with words. He might explain that he should talk to your boss, husband, or her parents. Suddenly, you find other players in the game. Or, he might have said it was studying other proposals. Or, maybe he was not interested, whatever it is, now you have more information as the basis for your next step.

b. Give me time, but get a commitment
Make sure you give a time limit for the activities he thought he thought. For example, say, "May I call you next week? Wednesday Jam 09.00 Does not interfere with your schedule?" The key is to not only get the date of follow-up, but also a specific time.

This approach is not threatening, and ideal for the prospects that are wanting more time. This prospect does not like to be persuaded or pressured. If you press too hard, they'll say "no" to your offer because they do not like you and your aggressive approach.

If prospects do not want to accept your first suggestion, try another time and date. If he does not accept anymore, ask when the time and date is good. If he can’t make a commitment, he probably was not interested. So, your time is better spent elsewhere.

c. Dig the truth the answer
His approach is first to make an emphasis on the prospect, and then ask questions to determine whether the objection is true, or just a mere denial. When the prospect says, "I think about it, yes," give an answer, "I understand. If in your position, I also want to think about it." Then ask the following question: "Can I ask what makes you worry?" Or, "Can I ask what the question was not answered?" and "May I ask what makes you reluctant?" Needless to say, this type of excavation will make the prospect of more open and help you determine whether or not the real objection. If the prospect of another time said he would think first, think one of the three approaches.


7. Step 4 Start Entrepreneurship


To start their owned entrepreneurial needed a high confidence. Not infrequently, this will intimidate someone. Here are 4 steps to consider ensure you are successful entrepreneurial debut.

1. Know Your Market
Research, research and research, Research on your market, research on your competitors, and find out what price they are marketed for their product or service. "Do not forget to try to talk with your primary target," advises Ellen Parlapiano, founder mompreneursonline.com. Find out if they would be interested in what you sell, and whether they are willing to pay for what you offer.

2. Your Success Plan
To obtain approval from a bank loan, you will need a business plan-or at least come with a purpose and mission. Make sure that you already know what you want to achieve in the next few years and how you want to achieve.

3. Playing with the Rules
You certainly do not want to close your company suddenly because of licensing problems tripped, right? Now, therefore, understand that in all things, there will be a compelling rule, starting a business license for its establishment institutions, to permit advertisements. Another example, that you will need a certificate if you want to open a service agency, for example, Pilates studio.

4. Spread the news
You must be observant to see the marketing possibilities. For example, if your market is among the mothers, then you now must know that more and more mothers are expanding their interaction through the internet. You can embrace the fact that mothers love socializing. That they were pleased convey good news (and bad). Try to invest through an ad in the neighborhood mothers often gather, or divide the sample or by advertising through the mailing-list members mothers. You can use the platform to build your market community by informing them on the latest news of your products / services, as well as researching the needs and desires.


8. Following tips Bazaar and Exhibition


Following the exhibition is the most effective way to obtain additional number of buyers. Imagine, Inacraft class exhibition could have a visit of no less than 125,000 local visitors and 793 buyers from 74 countries (note the year 2008). While Jakarta Fair in 2007 visited 2579000 people, it was impossible no thousand and even millions of peoples that did not come to your booth is not it?

Therefore, choose the most appropriate exhibition to find out opportunities to market your product. To follow the large-scale exhibition at the Jakarta Convention Center or at the SMESCO, surely you must know your production capacity. If you have not the capacity to produce large enough, you can follow the many bazaars held in office buildings or in commercial centers such as International Trade centre.

1. Preparing exhibits
Given the number of competitors in the trade show arena, you should have to properly prepare your participation. Find information about the bazaar or exhibition to be held in a place far in advance. Contact the exhibition organizer to determine the necessary requirements.

According to Doddy Hidayat, Chairman of ASEPHI (Association of Exporters and Producers of Indonesian Handicraft) for the area of Jakarta, booking a booth at the fair organizer is usually already have to do 10-12 months before the exhibition. The things you need to consider when booking a booth include:
- Choosing a strategic location of the booth, for example in hoek.
- Create an attractive booth design.
- Hire a professional decorator or a professional Displayer. You can request booth pictures ever they do to find out the results of their work.
- Opportunity for booth discount by becoming a member of a particular trade association that match your products.
Approximately 3-6 months before the exhibition, preparing promotional materials and publications, such as business cards, product catalogs and price lists, flyers, websites, direct mailings, invitations, press kits, brochures, banners, stickers, including souvenirs for visitors, Communicate your presence is also planned at the exhibition.
- You must have a website, because it is important to increase your company image. Or create an account on-site social networking sites. Facebook is now under a new power in the world of marketing.

- At this stage you also need to establish cooperation with the fair organizer, with the way companies send data, press releases, and trade press, and sent to the contractor company profile booth. Learn also exhibitor manual, to find out what documents you need the participation completed. If fair organizers do publicity and promotional activities, these activities also follow.


- How do I get visitors who do not know about our products to the booth to visit us? Exhibition visitors should be created. Long exhibition preparation can be used to organize potential visitors. Approximately 2-3 months before the exhibition, send press releases to the media, and visitor mailing to customers. This should be repeated at 3-4 weeks before the exhibition. Visitor mailing and participant plan needs to be returned to the media. On the first day of the exhibition, there were at least 3 visitors who deliberately you brought. After that other visitors can go show.


9. Creating a Business Proposal Guide


In every business, of any kind, would involve capital. This capital can be collected from personal savings, borrowing from banks or other lending institutions, or a joint venture with a partner. If we intend to borrow to the bank or the lender, you would have to make a business proposal. This proposal will be used to provide comprehensive information about the business you want to run.


People usually think, a proposal must be difficult. Apparently not. "A good proposal is a proposal that can explain the details of a business. No need to bother. It could be a proposal consisting of a single sheet of paper," said Godo Tjahjono, SE, MSi, entrepreneurial business practitioners. Not everyone knows or knows of a business interest. So make the explanations simple and easy to understand. Business proposal should contain the following seven things:

1. Preview effort
These points include a brief description of the business you want to run.
2. Business actors
Give an explanation about yourself. Enter the educational background or experience that could support the implementation effort. Lender will assume you are the right person.

3. What worked?
This points to explain what the focus of your business, whether the shape of goods or services, Let me know the reason the business vote, it would be better if the type of business are rising or are eaten timeless time.

4. Target customers
These points describe who your potential customers, whether they are office workers, housewives, or others. Explain why you chose them. You should have a deep understanding of this problem because it would be very helpful aspects of the other businesses. You so know how to marketing and promotion are most appropriate for them. There will be no time, money, and energy wasted. Party lender will see your seriousness, and consider it an advantage.

5. Location
This is one of the important points in the proposal. Explain why you chose a location as a place of doing business. You should adjust this location with the goods or services offered as well as prospective customers. If it moves in the field of food, it is not appropriate if the location chosen is close to a landfill, if the target customers of the upper middle class. do not choose a location near the factory, Should be a more comfortable and classy.

Lenders will come to see first in hand that location, and making judgments. If the business is located in a less strategic, but still within reasonable limits, make sure the giver of business that you can compensate for this deficiency in other ways. Satisfactory service can, or quality of goods or services above average. Marketing aspect can also be optimized by creating an attractive slogans and easy to remember.

6. Number of loans
Previously you had to have counted all the points expenditure. In the proposal, include the number of loans in accordance with the calculation you make. The bank will ask you the ability to return the loan amount. Give a reasonable explanation.

7. Cash flows
Cash flow is the explanation of income and expenditure plan business, Make calculations in detail and realistic. Do not set targets too high in the early months because the business was just beginning. After some time, you can target new numbering stable income.


The length of cash flow should be made in accordance with the length of time the loan is agreed. If the loan will last for two years, arrange for the cash flow for two years, too. The details are divided into 24 months. One principle to keep in mind the prospective businessmen, lenders usually didn’t want to bear all costs that we need. "They only want to lend a percentage of the total. They want us to also contribute. So, show me that you also have responsibility for your own business. It does not matter if the funds you have little. The important thing is they see your good intentions to try.

10. Business No Instant!


What is your initial capital prepared when choosing to do business? Sufficient funds, the vast network of support, references and complete science, or management who are ready and arranged beautifully? Do you feel confident to move? When business goes according to plan of course did not matter, but what if later you find that sales do not match the target or not loyal customers? Then, management and whether the team can be blamed?


Having a lot of courage to start a business is important. The roots in the business world are the ability and awareness to audit them-selves. Management thought (mind management) should be owned businesses, especially beginners business. The issue is still a constraint mindset of young entrepreneurs, such as easily give up and want instant. We have to observe your-self or self audits to print strong entrepreneurs, with a good mind management, business becomes not only durable and strong, but the character and useful for themselves as well their environment.

Simply put, mind management is to strengthen the mind to not give up easily, has a strong desire, realized that being successful is not easy and instant. More importantly, notice the slightest mistake is done every day, and then fix it. Options to open the business are not easy. Need a strong will power and understand very well that nothing is instant, add spiritualism became a benchmark of success of a business.


11. Tricks Identifying Business Opportunities


Hundreds of business ideas can be found through many practical business book, even you yourself were probably creative enough to make a personal record of the business opportunities you desire. However, carefulness choosing the right business opportunities need to be sharpened, how? Ideas that could come from discussions with friends, or from the results of his owned thoughts, need to be analyzed one by one possibility. Must be understood in the industry recognized the existence of product categories and sub-product. Recognize and analysis starting from here, and everything can be learned.


Necessary tools to study business opportunities, including a look at market size or market share. How big is the market potential of business to be run? Another thing to note is too big a minimum level of volume and value growth of the business. By knowing the volume and value will be recognized if the signs already saturated industry. So do not try to enter the industry in the business getting fed. The food business, for example, while a lot of similar food products offered, business people must understand the true beginner needs of customers. is important to note in understanding customer requirements including:
- Meet the basic needs of the customer. Selling food products that are basic needs will be produced.
- Meet customer's desire, because customers find the added value of products offered. Elements of customer satisfaction should be fulfilled.
- Meet customer needs for satisfaction. In the end, customer satisfaction will determine their loyalty to the product.
- Understand the structure of the industry, identifying competitors and compare the character of existing products. Too feel the greatest good is also not entirely in the food industry. Do not be too confident with the product itself, the ratio still need.


12. Error Women in Business


There are two main mistakes made when building a business woman. First, they do not know myself, and could not analyze the market needs. Error in analyzing these markets because they are more likely to follow your heart in the business, Second, they are also often hired a close friend or friends in the business. Often they are too trusting on friends or be reluctant to friends, so if there is chaos they did not directly discuss it.


One of the women shortages are to make friends on the staff or the trust, They feel the need of trust. It could be a friend of the trust. But, do not be complacent. So believe with a friend, you give all authority to him. If you have a friend who made the staff, get ready for it betrayed, Prepared to remain a professional even though he was not professional.


It is said that women in fact a complex mixture in the business world. Because many use the right brain, women's business ethics are not based on logic alone, but also with the heart. Well, when there are feelings involved, it is often a wedge for women. For instance, there was an awkward feeling when doing business with close friends or feeling reluctant to call if there are things that are deemed inappropriate.

Women to provide examples to subordinates and colleagues, so they are consistent, just like you. ''The key to modeling, and remain consistent. Arrived on time, and do preparation for a presentation or meeting. Communicate professionally with anyone and apply discipline. For example, go home after working hours of employees. Indicate if you are a tenacious person and not lazy.


13. Your signs and Talented Business



Women actually have the same ability as men in entrepreneurship. Noteworthy is choosing a suitable business for himself. To identify businesses that match your character, you first need to identify your hobbies and interests. Something done with pleasure and not a burden would survive, and grow rapidly.


In addition, you need to believe that you are ready to do business. Indayati Oetomo, International Director, John Robert Power, in the discussion and the launch of the book The Girl's Guide to Starting Your Own Business, explains the things that are indication that you are ready to do business:
1. When you do a job and you do not quickly feel tired or bored, that's a sign of the right business for you.
2. You do business because you like and capable, and not only went along with the trend. It would be better if you do business is a join with a friend, if you just want to start the business world.
3. You run a hobby based business, because it can grow and innovate. You never tired to look for things that are new.
4. You have to understand what your objective in business. Is it to just kill time (so as not to feel unemployed), economic demands (helping couples), or because they want a career.
5. You are very confident. For someone who is insecure (never satisfied or proud of myself) will be obstacles in the business. It could be when there is little exposure in the business, you will give up.
6. You dare to take risks in business, although there is potential to fail or accept defeat. But you must already have a contingency plan or back up when you take risks just wrong.
7. You always look at market conditions with continued research and participate in discussions, exhibitions, or seminars. Your diligent networking and expand the experience.
8. Flexible and not afraid to make decisions. In the business world, decisions can be changed in minutes and even seconds. So be prepared.


14. 7 Benefits Has Own Company


There are more good things than bad things that can be obtained by building his owned company. Adrienne Arief, founder of PR firm in San Francisco, said one of the benefits that can be obtained by opening your own business is not dependent on others to decide something. Through his book, The Girls Guide to Starting Your Own Business, Arief explained several other advantages:

1. You will never feel bored because you do not stare at the same table, at the same hours of work, and of course with the same job. If you are not satisfied with the marketing concept that is now, you can think of other ways more appropriate for you. You do not need to ask permission to employers to implement these concepts.

2. You will continue to feel challenged. Maybe there is a sense of boredom, but you will soon feel challenged to be not left behind by rivals. For example by changing the decor boutiques or give discounts or draft lottery for the sale clothes in your boutique.

3. You choose your working hours. Even though you work very long and extra tight, it's the good news: the results for you. Or you suddenly have to go to the dentist before coming to the office, you still will be forgiven, because you're the most understanding boss. Understandably, you are own boss!

4. You can create an ideal working environment. You do not need to fixed on the rules of 9-to-5. Decide for yourself when you have to work. You also do not have to stare at the place. Listening to loud music while doing the business analysis? No one would ban.

5. You no longer need to request a promotion or a raise at your boss. Want extra money? Live for ideas to improve sales results. With proper planning you'll be successful. The result was entered into your own account.

6. You can adjust your work to life. Difficult to meet old friends, no time for routine checkups, or can’t travel, or can’t attend a nephew's birthday celebration? This time you re-exist in the scope of family and friends.

7. You do not have a boss! Wow…it’s cool! All agendas, schedules, hours, hiring, and company profits, you are set.


15. Create a Blueprint for Action Plan


Does the business you are running in place? It caused a lot of factors one of which is not a business blue-print for a clear and well documented. It may be that your business has been running an annual, though without the need to write and document the work plan. But when he found the problem, ranging from cash flow of traffic, unproductive employees, and even the sagging sales, this is a sign you need to improve management.


Yusa Aziz, Coach and CEO iCOACH say, business blueprint (business blue print) should be written clearly and directed. Business blue print is described as a pyramid starting from the top with the vision and mission, goals, and work plans at the very bottom paramida. Paramida sides of the personality (character), culture, and behavior (mindset) that affect the success of a business.



With clear written rules, work teams have a clear direction and appropriate position becomes her responsibility. Vision obligations in formulating a business owner, then mission to be the authority and responsibility level of the CEO or president, and will run the business objectives with the direction of the manager, who arranged the work plan and run the team better. As individuals in a business scheme, employees with the mindset to run the job, character and culture of the rhythm of work according to written rules that apply in the company. So, what should be written clearly? Vision, Mission, Goal, Action plan, SOP (standard operation procedure), Job description, Rules, Organization chart, Cash-flow budget and Strategies


So, if your business didn’t get maximum results, be sure to reconstruct all the rules work and make sure it is written to guide all employees. Even the work culture and mindset must be written to motivate your-self, either a business owner or employees.


16. Without business loans? Ensure Secure Cash Flow



Develop a business can be a thousand ways, Business capital of the number one problem that must be prepared. Borrowing in the financial institutions could be an option, but if I could run a business without a loan? You can develop a business without a loan. However, he argued, make sure your cash flow in a safe position, stable and good.


Sometimes that is the measure of business success is how much profit the business generated. Yet important when you look at the balance sheet, good cash flow your business. If you find empty cash on the balance sheet, sign businesses are not going well. Improve financial flows first before deciding to develop the business, especially with borrowed money in the bank, for example. Because by forcing yourself to find loans, interest charges will make the company's finances become worse.


There are many ways to get funds to grow your business, primarily related to business capital. business can find angel investors or partners. An association, foundation, or non-bank financial institutions whose have idle funds may be a source of business capital. High credibility needed to get this capital. That is, prove that you qualify for a business loan to develop the business. Philantropist or benefactors can be a choice other angel investors. If your business idea is brilliant, by submitting a strong proposal, you can attract the attention of philanthropists to provide soft loans. Of course, first show your credibility as a businessperson.


Capital in the business not just money, but also ideas, time, and freedom. If you have an advantage in terms of ideas, time and freedom in running a business, and do not have enough money, the vast social intercourse can help your business achieve. Find a partner who has the vision and mission in line, and of course have the strength in terms of finances. In this way, business can run without relying on interest loans.


17. Retail Grows Fast in Order


Perhaps your desire to build a new mall limited dreams, Businesses that you have just had a small boutique. But the points expressed Handaka Sentosa, CEO Senayan City, below will give you guidance and direction in business control, especially in the areas of retail or sales of goods, anything?

1. Fresh ideas, not just join the trend
Be smart to follow the market situation, and jellies that wants to see the local market. Create something new and fresh, For example, by making a different shopping atmosphere. Glance at the way foreign retailers? Sure. But if it is not in accordance with the wishes of the domestic market, would eventually be destroyed. For those looking for something that is a trend in the country, which is not necessarily adopt from abroad.

2. Apply the appropriate conditions of innovation
Intention to create something new is one sign of progress. But see also if your concept will succeed. Fashion show performed at the traditional market? Of course, it’s something new, but not the right target.

3. Account the availability of supporting
Want to hold midnight shopping for your boutique? Consider the availability of transportation such as taxis. If the customer has shopped a lot but no vehicles, what should they do? In addition, if the conditions provided toilets very dirty, so make them reluctant to use it?

4. Friendly services like entertaining guests
Ever shop at a place, and you feel led to go home because it was time to close shop? What would you feel when the lights began to shut down in stages? Is the service was less friendly to indicate the store is closed? Things like this certainly make you uneasy and felt hunted. Occasionally you can also give rewards such as drinks and snacks. Hold a raffle programs, such as the day before Christmas.

5. Choose well-known brands (already known)
Entering the famous brands boutiques for your collection is good. But do not forget the product research. Not necessarily well-known brands abroad will be favored and stay in the country, Brand famous but not favorite? It's a big no! Brand is not known and expensive? This is even worse. It's as well you see the market share. Those who have long lived abroad usually know what brands that might be successful in the country.

6. Maintenance
Ask workers to provide services which are friendly, honest, and full of smiles. Do not chase customers or make them feel followed or watched. Observe operating hours, but remain flexible if there are customers who still want to shop.

7. Interior design
Eye view is decisive. Design is neat and attractive will invite visitors to enter. Do not forget also the cleanliness and comfort factor.

18. Customer tastes monitor Culinary


To do business in the culinary world you do have to jelly in selecting the type and taste of food, price, until the location. Without attention to these factors, your restaurant will be abandoned by the customer. You can observe what can be done by the culinary business owners to survive. The following culinary tricks to maintain the business, including:

1. Not based on assumptions. There are many foods that arise because of the trend, such as a full burger mayonnaise, banana fan, or a donut with any modification. But tastes change, and in addition the trend can also be passed. What do people like this will not necessarily like people in five years. So, do the new innovation by creating new menus for customers.

2. Quality of food. You have it, order a mainstay on the restaurant menu your subscription, but found the food did not taste as good as usual? When chefs cook for 10 servings, it will be different from when he had to cook for 100 servings. Create a standard for any food to taste quality does not change.

3. Look for unusual things. You should be able to detect what is preferred by the community. The test was in the hands of customers. If they do not like will they live.

4. Mastering the science of life cycle. Creative ideas are not enough. There must be things that make customers continue to survive, for example the order interior remodel (by request from the customer survey on the convenience of a restaurant), or to find locations that do have market share.

5. Location will be very decisive. For example near the campus or hospital, or office building. But do not ever change the order of the restaurant just to increase revenue. Visitors linger like the place because of the small and cozy. If too many people (enlarged) will be stifled.

6. Constantly monitor customers' tastes. See if they order the same menu. Menu what the most ordered, or at least ordered. Every now and then make a mini questionnaire, asked what the menu to add, what is your favorite menu, or the most often ordered. This is good for the input.

7. Price point. Price and location are often associated. But do not you dare put a high price, if you do not have the characteristic of the food. Too expensive and taste mediocre? Customers will go.

8. Asset. You have money, but do not have the skills to cook? Chefs are your assets after the money. So make sure you choose the right chef, and could be serving food to the desired taste.


19. Business: Profitable Investment Options


Option to invest can be varied. How big is the investment fund you have and what goals to be achieved, the initial consideration to determine the appropriate investment. Business became one of many investment choices. It is said that the businesses included in the long-term investment, because the business can provide a high income, profit from the business could reach 200-300 percent.

Thinking about the business can not solely be associated with something big. Small things, like selling in the campus cafeteria that specializes in fresh drinks can also be an option. Do not be afraid to start a business and learn about the ins and outs of the business in order to capture market opportunities. If business investment choices once the main occupation, should start as soon as possible. In a statistical business takes five years for initial development, That is, potential and new business fortunes can be seen in the first five years. If it does not show positive results, immediately switch to another business development.

The key business success also lies in management. Business must be controlled directly by the owners of at least 3 to 6 months, particularly those choosing business franchise system. Franchise business failures are caused by a leak in the supply. This is related to the problem of recording. Fatal mistake in business is the lack of direct involvement of business owners.

With direct involvement, businesspeople can learn what should be developed, where the shortcomings, in order to attract more market share. Business risk is high enough, but the results obtained can be very high. Prove it in the next five years as a measure of success, calculated from the time you start a business.


20. Choose Your Own Franchise or Business?


Food & beverage business it seems there is never quiet. You were so interested in starting their own business in this field, but perhaps you are still confused between his own pioneering efforts, or buying a franchise from an existing business and well known (such as cassava cheese, donuts potatoes, sweet corn and others).


Which actually is more profitable and safer for beginners in the field of entrepreneurship, starting their own business or buying a franchise? If you buy a franchise can be said safely, what should be studied, prepared and conducted? Conversely, if the more secure starting their owned business, what should we prepare and do first? What is the capital required to open a small food business? From the amount of initial capital, how about the money that we should play, and how much money should be kept as a reserve capital?


Starting a business always felt hard for everyone, especially for those who have never done before or doing business. That is why many people who then took a shortcut by buying a franchise, the hope is not too heavy and daunting than starting my own business. Actually, there are advantages and disadvantages of each of these efforts.


One of the first things that is often overlooked by many novice businessmen are "buying a franchise" remains the same as when we started my own business. Many people think, buying a franchise is the assurance that their money is safe and will keep running the business. It was not, a lot is happening, in times of euphoria franchise around 3-4 years ago, where the business was his first franchise was now no longer his business or if there was only 1 or 2 stores only. Worse, there are some businesses that are precisely the franchise headquarters Franchisor alias instead of his aliases was closed out of business. Therefore, be careful. That's why the Association of Franchise apply strict rules for its members.

Which must always be remembered and cared for all, the stigma of buying a franchise is more secure than starting my own business and brand by itself, is not entirely true, as already stated above, the franchise remains business or a business that also has risks and should be seriously and correct.


When we refer to the standardization process of overseas franchise, a franchisee (franchisee) must come through the process of waiting or waiting lists, doing interviews (interview) several times, until his Franchisor sure, the person is eligible to obtain the desired franchise, Not to mention taking into account the location for the business, which became one of the most important measure of the success of franchise.


The whole process is done by a company that was a real franchise must be performed by some business which includes product marketing, product benefits, sales locations and others. It's just that, a lot of beginner businessmen who do not want or do not understand the initial preparation of a business before starting his efforts.


However, although this process has been started, the process of running a business remains to be done and watched closely, as the work done without a franchise. The things that are preserved are obliged among other things: the quality of merchandise, service standards, standards of hygiene (for the restaurant business or other businesses that require a high level of cleanliness), and so forth.


So, what advantages and disadvantages of choosing a franchise than starting a business with their own brand?
a. First, who can be expected from a franchise is "branding" aka big names that have been carried by the Franchisor. With big names that have been carried by the Franchisor, expected level of public trust in the products or services provided are very high. Thus, it can be said that opening an existing store buyers who queued to go and buy your merchandise. Therefore, avoid companies that are the franchise that has not got a name, be it a business name or business, or the owner's name already known to the public.

b. Second, for the food business, make sure recipe or taste already favored by people (general public) and tested. Expected when the shop opened, people are familiar with the name and taste of food you offer, so they are not afraid to try. The number of people who came into the store will increase sales, which will ultimately increase revenue and profits. Therefore, look for a franchise where the taste of food offered in accordance with the tongue most people.


Benefits can last get of a franchise is already working system, or similar standards from one store to another. The system is already working this standard will allow your employees to do the job and allows you as a business owner to control the employee's work, because obviously rejected the measure, which must be prepared before the start of business:

1. Make sure you have a family emergency fund depending on the number of family dependents. Ensure that all investment funds for this effort will not interfere with your family finances (investment money is considered lost).

2. Magnitude of investment funds (in nominal terms) will depend on the type and scale of business that wants to do. Instead, start with a little girl, after a successful business can be brought up again then.

3. In addition to investment funds for rent, equipment, and supplies, which also is a fund should be prepared for circulation. Ideally, the food business is required to fund approximately three months to spare played or known as working capital. However, to make it more secure, you can prepare up to 6 months of working capital. Which must be kept in mind is that if you have the budget outside of business investment for working capital, do not use all capital for investment, but used part of it, so there are excess reserve funds if it need.


21. Catering Business Success Tip


However small catering business is done, the business must do seriously. This means that business must be placed as a business is not playing and Handle a professional manner as well. Many things can be done to promote this business. Basically every catering business already has tips generally the same. Like how to market, pricing, menus or service.


For more details, described in more detail the following tips that can be done by those who opened the catering business.

1. Marketing
Determine the market or pick up the ball. There is no harm in making promotional brochure as a step in addition to the efforts of mouth. It's good they are catering business is mastering the technology. Now his era of the Internet, everywhere, people use the internet. There is nothing wrong advice their colleagues to forward ads catering to fellow others.

2. Price
Usually customers will prefer to establish a catering business at competitive prices. "If the caterer is taking orders from mothers who lived in the compound, usually a little fussy more than the customers of office, In order to more easily attract customers, prices do not exceed the set standard price of a meal on the surrounding area.

3. Menu
Menu can make a customer is not moving catering menu options. People who subscribed catering office tend not too fussy in the menu problem. Origin of food is not stale and bad, they would immediately eat it. Unlike the customers from among the mothers, they are usually more careful of the types of food, menus, and clean. Change your diet as often as possible to avoid the boredom of the customer. By not forget to keep making techniques hygiene noted during the processing of food. Do not let the disappointing results of the processing customer.

4. Taste
People will be reluctant to switch caterers if his tongue was matched with catering customers. Although the menu changes, taste the food must remain noted that customers did not feel strange or changes in the tongue. There is also a good idea, every marketing effort along with catering menu is available at that time to better attract customers.

5. Services
It is also very important to continue to extend the life of the business and retain customers in order not to run into another caterer. Catering business seriously nothing to lose if notice many things. For example, home-based catering service catering by telephone, try to answer the phone do little boy. Make this as a business catering serious and professional.


22. Can Be Boss for Your-self?


Often we fantasize having their owned business and how fun could be the boss. According to the careerbuilder.com site data, each year there are one million new businesses are launched, but 85% failed and closed in less than five years. Actually there are some indicators that can show if you can become an effective business owner. To find out, was a career consultant, recommends that you answer the following questions.

1. Are you a beginner?
Should have the intention to start a business from your own, not the agents of other people. Well, if you people who want to start something new, organize and set everything up to the little things.

2. Whether you could face financial risks?
In business there is always a cycle and the ebb and flow, as well as in terms of profit. Once the business started, you must be prepared for operational expenses to be incurred before revenues.

3. Got a business skill?
You must be adept at engaging consumers. Loyal customers and the new is in the vein of business continuity. Therefore you need to master this skill, including accounting, planning, operations, sales, and customer satisfaction, to survive.

4. Have enough stamina
Owns his own business that is ready to work hard, Can you work 12 hours every day of the week?

5. Motivated in a particular achievement
Many successful entrepreneurs who can happiness of "victory" in running the business, Ups and downs in achieving success are considered as a challenging game. They felt fun. The people of this type have the desire and passion to be the first.

6. Are you a decision maker?
Business owners are required to be ready to take decisions quickly and independently. You must be prepared to examine all the possibilities to minimize risks and dare to make a decision soon.

7. Could face a variety of personalities?
An entrepreneur must build a network with a variety of nature and human personality, including customers, staff, banks, vendors, until the accountant. Your success dealing with these personality types in determining the success of the business.

8. Ready to no income?
Make a detailed list of requirements necessary to start your business. Create separate budgets with family living expenses and set profit projections. Do not expect a profit doubled in a new business to grow, because it separated your family financial planning in anticipation of failure.


23. Doing business in the Brave Education


Learning needs are not only just enough in school. Many parents today who want their children more intelligent and he sent the children learn more outside school hours by following the lessons, starting from tutoring lessons, foreign language, to music lessons.

Well, you can take advantage of this opportunity for profit. For that, you need to provide a place, teaching staff, and facilities like a small school, quite a lot, huh? But keep in mind, but profitable, business is always required courses to any business, aka the ever-present throughout the ages.

1. Consumers Decide
Before starting a business, it helps to first determine what type of course and who want to run the main target consumers. Choose which according to your pleasure. That way, you will be excited to run this business.

If you liked the music and have a hobby, you can open a music course that customers ranging from pre-school pupils to high school. However, if a foreign language course or school that you select, targeted for the age ranging from elementary school through high school. Because the lessons taught in the courses can be adapted to the lessons at school.

Then, what if you're more interested in opening a course for children preschool age? No problem. Currently reading and math courses for children preschool age are also emerging. If interested, you can try this business.

2. How to Start
There are two choices. If the fund owned a large, you could buy a franchise business courses aka franchise is now being offered. Big name franchise courses will make people glance at your place. However, its franchise fee was large enough, began to 35-500 million Rupiah (not including rent). However, if your funds are limited, open the course alone. After determining who the primary target consumers, and then select the location for a place large enough. For location, would be better if located in residential areas or near schools. Both locations glimpsed allow parents because they do not take too long and cost more to get to places.


While the minimum area that can be used as a place where the course is approximately 120 square meters, as a means of support, you can provide a chair that has a small desk for writing. These seats do not take place so that the room could get more leverage. For employees who as teachers, you can recruit from among students who are still active or senior, usually the teachers who already have a bachelor's degree will prefer to apply for other jobs. Even if willing, they will ask for a higher salary than the salary for the teachers from the students.

3. Key Success
Facing and teach the children, especially preschoolers and adolescents, it is not easy. They tend to like playing than learning. It takes patience and charisma of its own. That's why you need to select the teachers with tight enough.

Generally, children prefer teachers who can communicate well, be gentle and can be taught in a fun way. Now, choose a teacher who not only like to hang out with the kids, but also has had three criteria. Thus, children who learn in the course you will feel pleased and at home.

Aka customers seeking students who will study in the courses is also not easy. Especially if the course you do not have big names. In addition, you also need to take into account that some parents would choose private tutors to bring their children compared to the course.

To attract customers, you can give bonuses to students who have chosen your courses. The bonus can vary, ranging from pens, hats, shirts, bags, until the payment discount. In addition, when learning, paste the games according to the characteristics of student age so they do not quickly get bored and always wanted to come to the course.


24. One Click for More Information Entrepreneurial Women



The role of women entrepreneurs are increasingly important in moving the economy, As many as 40-50 percent of businesses in markets that are growing are owned by women, this shows that women have the power and importance in economic development, and should be improved.


Currently there are more than 400,000 formal sectors, women entrepreneurs lead the effort starting from the small business units, medium to large companies. However, can’t pride ourselves up here, we still must continue to clean themselves, because there are many women who actually can better develop the ability her entrepreneurs only to stumble a lot of obstacles.


One of the main obstacles that cause women are reluctant to start entrepreneurship is limited information. Limitations information and experience to make women lack the confidence to want to move and entrepreneurship, Including lack of profile for the exemplary, the lack of access to financial education, and the confidence to start and develop their own businesses. This problem requires a great effort from various parties, such as banks to help educate and bring women to want to entrepreneurship.

One bank that tries to help the development of women entrepreneurship is Standard Chartered Bank. Banks that has stood in Indonesia since 1843 is launching a website containing information specifically dedicated to women entrepreneurship. Www.standardchartered.com/sme-banking/resourcecentre/ site seeks to provide educational and interactive for the small and medium businesses (SMEs). On this site, users will be able to learn through the modules, training, business planning, leadership skills, as well as financial.


Joanna Fielding, CFO, Standard Chartered Bank of China and Chairman of the Board of Women's Group Standard Chartered said, "Women rarely have access to relevant information of things they need. Through this site, there is practical information as well as equipment specifically designed for women entrepreneurs, covers topics such as negotiation, marketing to women consumers, and set a good reason to increase the business”.

A. Arno Kermaputra, Sr. Manager of Corporate Affairs Standard Chartered Bank promised there would be no hidden ads to encourage users of this site to be using products of Standard Chartered. Plus, this site is open for anyone to join, do not have a bank customer.


25. Women constraints to entrepreneurship Success


The woman is a tough business. Micro economy in Indonesia, as much as 60 percent managed by women, therefore, it is time we begin to take seriously pioneered the development of entrepreneurial and managed by women.

But unfortunately, this development is often hampered due to the constraints. If I could find a way to get past these obstacles, no doubt our economy could be better too. There are six points obstacles for women to start entrepreneurship. Six points are:

1. Natural conditions
Natural condition of women to perform her duties as a woman sometimes hinder mobilization, Women have a difficult nature circumvented. For example, the condition of the monthly menstrual cycle which makes it difficult to get 30 days of activism, the condition of pregnancy, and breastfeeding, should protect children. As a result, the mobilization of women than men virtually adrift far and makes a woman can’t be as active men.

2. Lack of experience of trying
Not many women would dare start a step for reasons not yet experienced. In fact, he dared to try and not afraid to fail, he will have knowledge through experience. For example, when the monetary crisis in 1998, when many men are affected by the dismissal, the persistence of women to earn a living through more visible efforts. More and more women who dare to open a small business to support her family.

3. Lazy to deal with banks
Starting from the trip to the bank, then facing and dealing with the administration alone makes women reluctant to want to start walking. Not to mention, when he had to make a loan, he must think about the collateral, generally, not many have.

4. Dual role
Dual role that, she had to do at home and then once at his place of business not to mention when she had to take care of other family members,

5. Less confident
"The most especially why women are not confident is because of lack of knowledge and information for them to start entrepreneurship," said Dr. Irma. Plus because of the family or the people around him are not taught how to entrepreneurship, in this case, their experienced were also less. Not surprisingly, women often lack confidence.

6. Less concerned with the "database"
Well, this was one of the obstacles to women's success can be successful entrepreneurship. Sometimes, women tend to do business and live alone, but not recorded travel, development, finance, inventory, and so on. This will become obstacles in front of her. Now, after knowing these constraints, could you find a way to deal with and courageous step to be more successful?

26. Protect Credit Card from Fraud


Carding or counterfeit credit card to be one part of crime motivated Internet economy, Technological sophistication and omissions giving users the carding gap. Muhammad Salahuddien, Vice Chairman of the Internet security institutions Id-SIRTII, said carding just one practice underground economy, illegal mode of economic crimes committed by the attacker.

This attacker is not even the internet or IT expert, and could be a newbie who is practicing a free software module merchantability and user friendly. Carding is done by several modes, namely:

1. Break the bank database
With some technical expertise, the attacker broke into the bank database. Customer credit card numbers obtained from the bank this way.

2. Skimming
It’s simple way, skimming is the magnetic card data copying is illegal, by using a magnetic card reader device.

3. Merchant Transactions
Attacker could be read and recorded by the camera, three points behind your credit card. This figure is the code Verification Card Value (CVV) of your credit card. A transaction will only succeed if the cashier entering this three digit number.
Credit card user carelessness allows the attacker in launching actions. Consider the following ways to protect credit card from carding mode:
a. Recognize and carding cautious mode
As explained above, there are a number of carding mode. Credit card users need to be more vigilant when making a transaction merchant. Make sure your credit card is not visible to others when will swipe it. Attacker may have around you, and work in teams. As one of the actors draw your attention, the other actors look CVV code on the back of credit cards. Only takes a few seconds to remember three numbers.

b. Cover with tape CVV code
Simple way to do, that CVV code is covered with tape. This method helps protect the credit card carding of coveted players.

c. Do not store passwords or account numbers in the phone
Data Information is the most valuable assets targeted by the perpetrators. By storing all important data on the phone, when the phone is lost, a gap that is the illegal economic opportunities for the attacker.


27. World Great Leader and the Power key


In general there are two leadership style: inspirational and organizational. If you already know the character of this leadership style, it's time to find the type of leader. You can copy a character already proven his ability in building and leading businesses worldwide.

Coach Margetty Herwin, themed leadership seminar organized by Event Management and Indonesia iCOACH some time ago, mentioning my level 10 kind of leaders the president, to succeed with its business.

1. Type Innovators
There are several names which include the type of this innovation-rich leader. Call it Steve Jobs, Co-Founder, Chairman & CEO, Apple, Inc or Mark Zuckerberg, Founder & CEO Facebook. Both these names have similar leadership styles, but not the same. The only similarity is the innovation they created, and produced large asset in business.

a. Mark Zuckerberg, the young businessman born New York, 1984
- Leadership style: Perfeksionis, ram, and creative.
- Key Strength: Combining high technical capabilities, the IT field, with the social community.
- Big decisions: Drop out of college and create Facebook.

b. Steve Jobs, was born in 1955 in San Francisco
- Leadership styles: visionary, creative and independent, autocratic.
- Key strengths: It has an instinctive understanding of the technology related.
- Big decisions: Developing iPod and iTunes.

2. Type Pioneers
Michael Dell (Dell Inc. CEO), was born in Houston, 1965
- Style of leadership: not selfish, were not self exclusive, serve.
- Key Strength: Thinking further ahead and not conventional.
- Major decisions: to sell Dell products from door to door.

3. Type Motivator
W. James McNerney, Jr. (CEO of The Boeing Company) was born in Rhode Island, 1949.
- Style of leadership: inspirational, curious, visionary, effective individuals.
- Key Strength: Ability to maximize its human resources potential.
- Big decisions: Join the GE Asia and a worldwide because of it.

4. Type Organizer
Fred Smith (founder, Chairman & CEO of FEDEX), born in Mississippi, 1944
- Leadership styles: visionary, risk-taking, tough.
- Key Strength: Jelly saw an opportunity.
- Big decisions: Creating integration of air delivery systems.

5. Type Expert Strategy
Warren Buffett (the founder, Chairman & CEO, Berkshire Hathaway) was born in Omaha, 1930
- Style of leadership: Never assume.
- Key Strength: Smart makes business calculation.
- Big decisions: Successful business introducing a portal (dotcom).

6. Building Type
Carlos Ghosn (President & CEO, Nissan & Renault), was born in Porto Veho, Brazil, 1954
- Style of leadership: Using the direct approach, changing the complex issues into practical solutions.
- Key Strength: organizing, discipline.
- Major decision: Against the current in the merger between Renault with Nissan.

7. Type Appraiser
Jack Welch (Chairman & CEO of General Electric) were born in Massachusetts, 1935
- Style of leadership: To be honest, assertive, focused.
- Key Strength: Born as the winner.
- Big decisions: Reduced labor and divestitures.

8. Type Visionary
a. Lew Frankfort (Chairman & CEO of Coach Inc.) was born in New York, 1947
- Leadership style: Thorough, passionate, goal-oriented
- Key Strength: Introduce and adapt the operational techniques of government with the SOP of the Coach.
- Big decisions: Hiring a designer Tommy Hilfiger

b. JW Marriott, Sr. (founder & CEO of Marriott Company) was born in Marriott, Utah, 1900
- Leadership style: Sturdy, systematic, perfectionist, attention.
- Key strengths: Exploring ways to expand in the changing world.
- Big decisions: Creating a catering business air travel.

9. Type Controversial
Rupert Murdoch (Chairman & CEO of News Corp.) was born in Melbourne, Australia, 1931
- Leadership style: Ambitious, committed, accertive as a determinant.
- Key Strength: Combining money, relationships and willingness to provide pricing on the free market.
- Big decisions: Maintain effective controlling in his owned media company.

10. Type Conqueror of the World
Howard Schultz (Chairman & CEO of Starbucks)
- Style of leadership: inspirational, hold fast, enthusiastic, charismatic.
- Key strengths: marketing talent and insight about the opportunities a chance.
- Big decisions: Switch from conventional wisdom in creating a worldwide coffee.


28. Potential to Become Professional Dancer and Career


Young people, both men and women, many fond modern dance, This dance genre became an important part of the widespread development of popular culture. A number of singers and dancers require television stations to turn over the show. This condition is promising opportunities for professional dancers.


Dancers and choreographers can be the achievement and professional. Dancers (modern genre) in Indonesia have great skills, but needs to be given wider opportunities for development. Unfortunately there is still discrimination on the professional dancers in terms of compensation and facilities. Whereas celebrity dancers are also stage. Arts workers on the platform will need each other.

Higher interest but where the learning or the school dance to create graduates of professional dancers are still very few. Professional choreographer, the school becomes important to master the basic techniques of dancers dance and not appear to meet the demands from industry.


Dance school graduates have sufficient knowledge of large capacity and a strong willingness to learn, it’s not just the science of dance but also its management. Dance Education dancers formed a committed and professional in his work. If you already like that, dancers can be a promising career.

Dancers have a productive age limit, ie 30 to 35 years. At this age, a professional dancer with extensive experience can build itself into a dance work as choreographers, dance coach or forming small cells such as dance studio or dance school founded. Career opportunities were wide open for the dancers. Unfortunately awareness to make the dance as a professional career remains to be established. Formal schools are still regarded as the solution for education and career employment.


Many young people are not enjoying the formal schools, and some can’t even pay the cost of education. They like modern dance and worked from it. They have no other choice, unless there is a dance school that will accommodate their needs in education and his penchant for modern dance. With the educational institutions of modern dance, dancers have wider career opportunities. Educational programs such as exchange students, and school scholarships abroad, can help dancers develop the skills and her-self in international affairs.

29. Dominating Fashion Credit Card Transactions


Growth of shopping centers in large cities more room for displaying various brand products. Consumers, especially the credit card user, also get more convenience. Discount with a certain amount for the famous fashion brand, of course, tempting is not it? But if not careful using credit cards, convenience can lead to debt.

Most people use 50 percent of income for entertainment. Credit card transaction form chosen for practicality and convenience factors. This behavior is considered as a likely consumer debt, meanwhile, based on the observed behavior of credit card user purchases a bank, donated 57 percent of expenditure transactions clothing (fashion), shoes, and accessories. Data in 2009 shows a credit card for shopping fashion ranks first, followed by food & beverage, and electronic equipment.


Surprisingly, the fashion spending was not dominated by women. For according to data from City bank, 80% City credit card users in Jakarta was a boy. It did not say how much the ratio between shopping fashion men and women, but it can be concluded that the man was often tempted by fashion products, and use a credit card to get it. No matter really why this behavior is seen, the user is important not to forget their obligations to pay credit card bills. Recognize your ability to pay the bills. Prepare a budget 30% of income.


30. Got Money Emotions, Know Exactly How to Use It


Money, medium of exchange that the higher value is also no emotion, but the emotions on the money so can be controlled by the user, namely you. Money became emotional when the user does not record details of every income and expenses derived from the main income, as well as other income.


Financial planners assess, because the emotions this money, financial planning matters become important. According to him, with the financial planning, at least by recording cash flow, finances will be more measured. Most people use 50 percent of his income on entertainment expenses, and this is done more for prestige. Large pegs than the pole eventually becomes common problem encountered workers. Such financial condition could be overcome if one recognized the emotion on the money. How to outsmart a simple way to avoid the emotions brought in using the money?

1. Reduce the cost of entertainment, prestige overcome
Options at the mall intersection number of tens. If you do feel the need to meet colleagues outside the office, select a less expensive place. If you need to determine the place and stay away from prestige, Calculated the ratio of the use of money if you are, because the prestige, choose a place that put a high price. The ratio of your money could be used for other purposes. Could even invest and make money have value added five to tens of years into the future.

2. Emotional control spending, better left alone
Discounts in the middle of the night, early morning, before the great day of national commemoration, or any variety of products, can be very lucrative. Need recognized, there is a psychological effect on shoppers. So if you are shopping in a narrow or in a hurry trend will be more costly and not as planned. Physical condition does not fit like a tired after work, sleep, empty stomach can cause psychological effects that make you go shopping with irrational. So make sure if you want to shop free from this condition.

Shopping party with close friends, more than two people will only make the wallet depleted. Shopping tendencies hilarious is that you become more permissive with comments from your colleagues. If two to five people say you choose a dress that good, your emotions are hooked to buy it. Go shopping alone or at least accompanied by one person. This method is effective, because it will minimize the emotional influence you spending.

3. Work hard party hard, but still need investment
Enjoying life after a busy and working hard with legitimate job in the office alone, but that does not mean you are free to use the income without financial planning. If simplicity, you've started to set the record spending of money in and money out, begin to move to the next level, investing. Investing from your main income is a form of financial planning.

31. Introducing Food Business


Blessed are you who have the skills to cook. When you intend to obtain additional income, the first thing you can do is to sell your ability to process these foods. You can teach cooking, and sell your cooking results.

However, for the cookies, or your dish looks "sell", you must have the ability to make the look and feel of a champion. A food stylist and culinary practitioners, share tips to start building for your food business.
1. Do not be afraid to be reproached
Many people who canceled his intention to buy food because it looks uninterested. Someone with a broken charcoal hear comments buyer will usually direct anger, or stopped herself to do business. Yet this kind of comment is one of the test, because not all people want to taste the cake that had never heard his name.

2. Make the images and the internet
Business via the Internet at most a profit, Not only is it easier for customers, but also can display the real (visual) what we sell. Especially if you load a video about the making, or baking courses that you have. There was no denying that the visual is very influential in the campaign.

3. Use network
Take advantage of old friends who have the business. For example a friend who has a business cake and bread shop, restaurant, or your colleagues who are willing to go sell or promote your artificial foods.

4. Creative and imaginative
Creative ability and imagination is needed now to build this business, because this business requires quick movement. Imagine if you only offer the cakes with a monotonous menu. All must be developed and enriched.

5. Promotion and expansion of mouth
Do not just expect the business to produce profit heavily. Orders for a particular event or celebration may bring big profits. But it is surely only temporary. Focus on your goal to get a loyal customer. Occasionally pieces give discounts or special bonuses as additional her.

6. Quality and food tester
Keep always quality, Starting from taste, cleanliness, presentation, to provide food tester. Do not distinguish the taste of a food tester with items sold. Because once the customer feels disappointed with the difference, they will not return again. It would be better if you provide after sales service.

7. Follow-up clubs and exhibitions

When you see the ad business seminars and exhibitions business, do not hesitate to apply immediately. Do not underestimate the power that can be generated through this way. You'll meet people who have had experience in entrepreneurship, which would be happy to tell you the mistakes they've made. From there, you'll learn a lot.

8. Many read books and learn from others
Find a reference to explore the idea. But remember, not the creations of others cheating. You will not be respected.

9. Finding out the market preferences and create a theme
Update on what is the trend in the market. For example, what the market wants and what the customer wants.

10. Create a brand name or a memorable
Do not use a name that is hard to remember, especially in English or other foreign languages. Also, look for names that represent your business character.


32. Customer Tastes Monitor Culinary


To do business in the culinary world you do have to jelly in selecting the type and taste of food, price, until the location. Without attention to these factors, your restaurant will be abandoned by the customer. As readers of Culinary Tour event, here some trick to maintain the culinary business owner:
1. Not based on assumptions. There are many foods that arise because of the trend, such as a full burger mayonnaise, banana fan, or a donut with any modification. But tastes change, and in addition the trend can also be passed. What do people like this will not necessarily like people in five years. So, do the new innovation by creating new menus for customers.

2. Quality of food. You have it, order a mainstay on the restaurant menu your subscription, but found the food did not taste as good as usual? When chefs cook for 10 servings, it will be different from when he had to cook for 100 servings. Create a standard for any food to taste quality does not change.

3. Look for unusual things. You should be able to detect what is preferred by the community. The test was in the hands of customers. If they do not like will they live.

4. Psychological impact, where the stigma that society does not respect the way of culinary business development like that.

5. Mastering the science of life cycle. Creative ideas is not enough, There must be things that make customers continue to survive, for example the order interior re-model (by request from the customer survey about comfort food) or search for locations that do have market share.

6. Location will be very decisive. For example near the campus or hospital, or office building. But do not ever change the order of the restaurant just to increase revenue. ''I never made my coffee shop bigger. Visitors linger like the place because of the small and cozy. If too many people (enlarged) will be stifled.

7. Constantly monitor customers' tastes. See if they order the same menu. Menu what the most ordered, or at least ordered. Occasionally create a mini questionnaire, asked what the menu to add, what is your favorite menu, or the most often ordered. This is good for the input.

8. Price point. Price and location are often associated. But do not you dare put a high price, if you do not have the characteristic of the food. Too expensive and taste mediocre? Customers will go.

9. Asset. You have money, but do not have the skills to cook? Chefs are your assets after the money. So make sure you choose the right chef, and could be serving food to the desired taste.


33. Error Women in Business


There are two main mistakes made when building a business woman. First, they do not know myself, and could not analyze the market needs, Error in analyzing these markets because they are more likely to follow your heart in the business. Second, they are also often hired a close friend or friends in the business. Often they are too trusting on friends or being reluctant to friends, so if there is chaos they did not directly discuss it.


One of the women shortage is to make friends on the staff or the trust, They feel the need of trust. It could be a friend of the trust. But, do not be complacent. So believe with a friend, you give all authority to him. If you have a friend who made the staff, get ready for it betrayed, Prepared to remain a professional even though he was not professional.


It is said that women in fact a complex mixture in the business world. Because many use the right brain, women's business ethics are not based on logic alone, but also with the heart. Well, when there are feelings involved, it is often a wedge for women.


For instance, there was an awkward feeling when doing business with close friends or feeling reluctant to call if there are things that feel good to be expressed less. There was encouragement for the women, in order to provide an example to subordinates and colleagues, so they are consistent, just like you. ''The key to modeling, and remain consistent. Arrived on time, and do preparation for a presentation or meeting. Communicate professionally with anyone and apply discipline. For example, go home after working hours of employees. Indicate if you are a tenacious person and not lazy.


34. Tricks Popularize Your Restaurant


Research and preparation before building a business is important. But spend a long time to do research, make financial calculations, seeking the most appropriate location, also will make the business not be realized as well. This also applies when you intend to build a culinary business.



Begin, and learn from shortcomings, mistakes, and then the focus becomes the number one or at least be the best. Business will not be able to start if you linger with the research. What should be considered in building a culinary business? There are 4 quadrants food concept that became the key to success:
1. Common
Find a market that already exists, because trying to build a new market requires a greater cost. Thus, the investment will be more secure. Consumers also decided to find a place to eat they had identified the type and taste. Specialization also be considered to be selling. If you try to sell something different from the ordinary (common) do not be surprised if the later consumer doubtful, and the restaurant quiet visitors.

2. Sense
Very powerful good food attract visitors, Strategies that can be used in order to provoke an appetite is to give sense to the visitor, for example, let the smell of food cooking wafted as visitors. Display food is also a big influence. Way, display the logo or photo tempting menu. Do not underestimate the power of word of mouth. Visitors are satisfied with your service, will provide free promotion through conversations with other people. Then, see to it that the restaurant always seemed busy, because 70% of consumers would choose a crowded place to eat.

3. Price
As visitors in appetite was aroused because of the menu and smell the food, it's time fishing with a price. Help visitors to select the food, especially if the menu is able to attract the eye. After that, the price of a consideration, install prices with large writing on the main banner in front of the house to eat, so that visitors can measure the contents of his pockets and decide where they eat.

4. Destination
Ensure that consumers have chosen the restaurant since leaving the house. This means that, in his mind there your restaurant's name when he decided to eat out. This can happen if the names and restaurant brand is popular among food lovers. Interesting logo or any appeal must be created. Of course, popularity can come from anywhere, including the media. The trend has shifted now, consumers do not find just good but also eye catching.


35. Learn How Men Business


A study shows that despite having a higher success rate, women entrepreneurs are making money less 50 percent or below the earnings of men. This does not mean women are less productive or less effective in work than men. The answer was simple. Men and women have different reasons for building a business.


The study conducted by Rochester Institute of Technology stated, men and women have different priorities when building a business. Most men have the motivation to make money (the ratio of men and women 76 per cent and 29 per cent), while women tend to be more interested in building a business because it felt more flexible, able to balance work with tasks at home, can fill his life with something meaningful and freedom to live at home with the kids.


However, it does not mean women can’t improve its ability to make money, by sticking to priorities. Women can learn from him by taking a few rules of men in a manner consistent with our abilities, and by emphasizing our talent. Here are 10 things we can learn from the men in the business:
1. Implement the strategy. Men think in linear, focused on finding solutions to various problems, set and achieve goals, develop plans and carry out his duties. This is important in business. If you learn to apply the strategy, create clear goals, and make sure that you will follow the plans already made.

2. Just do it! One big advantage in male-owned businesses is that they are happy to take risks. It is important to be careful, but no bad things will happen if you do not act.


3. Stay focused. You are lucky because she was awarded the multitasking capabilities, and naturally also multi thinking. However, one of our weaknesses is that our minds so quick to everywhere, many were able to divert our attention. Therefore, it is important to stay focused on your goals, even though a lot of things going on around you. This is where the strategy will help you.

4. Keep your promises. If you do not do what you've promised, people will not trust you and do not want to do business again with you. If you keep changing the plan every few days, you will lose clients, partners, and of course money.

5. Asking for money is rightfully yours. Many women are reluctant to ask for or collect money. Asking for money or payment is an integral part of the business, and if you are reluctant or feel uncomfortable asking, you will not get it. Even more important, if you do not claim your rights, it will only give the impression you are not serious this business through.

6. Expect great results. From many studies, there was a major reason why men are better able to make money in business than women: Men always expect great results! Challenge yourself to think outside your comfort zone. Most people can’t reach goals because they set goals too low. Make a big goal, and create great results!

7. No need to be nice. Being nice can kill your business. Does not mean that you do not treat clients or partners in a good way, However, you should not do business with people who treat you badly, who says that you do not provide a service or good service, or that you do not care because it makes other people upset. Doing business is a plain-spoken, and you have to think or act like they should.

8. Ignore your mood. Women often cancel appointments, avoiding the meal, or late for meetings because they feel uncomfortable, do not have appropriate clothing worn, or because it was quick offense. Learn to overcome your mood swing, and do not let it affect your attitude in front of others. Being moody will make other people uncomfortable being around you.

9. Do not despair. There were times where you feel the challenge was too heavy, or the days where you want to give up. This is normal. Rest when you need them, take a day off, but do not despair. Durability is the key in business. Many women who want to stop doing business before the birth of a baby, but maybe success is in sight.

10. Business is a game. Men love the game, in which there were rules, and trick-trick. Learn the rules, and always remember in mind that it is just a game. One day you will win, other times you will lose. But one thing is certain, life will continue, no matter what the outcome.

Most important, learn the mind and the way he acts does not mean you have to be like men. You only need to adapt to the rules in the business, and adapt to our needs and abilities.


36. How hard Not Expenditure Save!


Sometimes you do not realize, that you often spend too much money for certain expenses. In fact, if you buy goods in a way or a different place, maybe you can better save expenses. Some of the tricks below can you do for this purpose:
1. Clothes, bags and shoes
- Avoid: Buying fashion products like this when displayed in a new window, or in row "new arrival". These items may be expensive, but the brand and its quality is less accountable.

- Solution: fashion products from some particular brand is sometimes less expensive when obtained outside the country. You can entrusted to friend who happened to be traveling abroad to buy it. Or, wait a bit, wait until the item is discounted at a department store you subscribed. Also check prices before and after, so do not be deceived false discount.



2. Groceries
- Avoid: If for everyday you just need to cook, buying food that is imported or organic food. Okay, these foods may taste better and healthier, but non-organic food was still useful for you.

- Solution: For everyday needs, shopping in traditional markets can cost 3-4 times more expensive than the price at the supermarket. Quality is not much different. You can still get the vegetables really fresh when shopping at the morning market.



3. Hanging out at the coffeehouse
- Avoid: Almost every day hanging out in here just to wait for three-in-one passed. Not to mention if you have the habit of eating cakes to accompany your coffee cup. Ladies, in one year, you can buy a coffee machine in this way.

- Solution: No need to stop this activity, especially if you do it for refreshing or foster relationships. Reduce the frequency alone, and see how much you can save. Occasionally you can also make your own coffee itself from a variant of instant coffee is now more diverse.



4. Go to the mall every weekend

- Avoid: Intention to initially may only refreshing, but from there after you always bring home bags of groceries. Not to mention the meal, coffee, and watching, which was never forgotten from the session-to-mall this mall.

- Solution: The best way to reduce the habit of shopping is to not visit the mall at all. At least, if you work near the mall, and several times a week do you diligently stopping there, reduce the frequency until the weekend alone. When you are able to pass this test, again reducing the frequency as once every two weeks.

5. Buy magazine subscriptions and DVDs
- Avoid: For singles, women's magazines and DVDs will be a best friend at times too late. But what you really need to subscribe to stay for a year, if the thick magazines that you've never been read? Or the DVD collection that piled up, waiting to watch?

- Solution: Just buy a retail magazine, after ensuring that the information you really need. Another way is to borrow from friends. The same is true for DVDs. You can even exchange movie collection with friends.


37. Summarize Shopping Cart


Original intention was to the supermarket to buy rice and cooking oil. But when entering the checkout, why there are additional snacks, accessories, magazines, etc. in the trolley? Department store or a supermarket is designed to get you through the shelves displaying items of interest, which can make you stop and decided to immediately put into the basket.
Try you remember, in a hypermarket, a magazine rack placed near the cash register. Thus, while waiting for their turn to pay, you're forced to stare at the topics discussed in a magazine. Not content to just read cover-line on the cover of a magazine, you finally decided to buy the magazine. You do not need to upset if this happens to you. On the contrary, be mature by mature shopping planning.
1. Check kitchen cabinets to find food ingredients that have been exhausted and need to be purchased. Make notes about what to buy.

2. Several supermarkets or hypermarkets advertised in the newspaper contained items with price promotions. Purchase of goods being promoted because, if not, the price is usually more expensive than other supermarkets.

3. Do not bring children to the supermarket. They are easily tempted to see the food or beverages that are often advertised on television. You will also be busy guiding their hands to keep running back and forth. It also bothered calm when they cry because of her desire is not granted.

4. Go in the stomach is full so you never need to stop at the food court.

5. Once in the supermarket, immediately visited the hall which provides food you need. Eliminate any shopping list you have purchased.

6. If all of your needs are purchased, no longer try to see into another hallway. This is what will grow Impulsive buying habits to your-self.

7. Never seen food ingredients with their own brand (private label) from minimarket or hypermarket itself? Private label products are made in the country, which is less costly. About quality, you do not need to doubt it.

8. While waiting in line at the checkout, no more glancing shelf near the display counter snacks such as chocolate or candy. This rack is designed so that you easily to take it.

9. Purchase the items you routinely use in large quantities, such as herbs or tissue. Buying a little bit just to make you have to go back and forth to the supermarket and be tempted to buy another.

10. Buying bottled water is not recommended because the price is more expensive than if you bought a gallon of drinking water.

11. Do not buy groceries that have not you plan to cook it in the near future. Usually these materials will only settle in the refrigerator until they expire.

12. In the end, if you really want to save money, it's better to buy vegetables, fruits, or meat in vegetable artisans. If you can’t find what you were looking for, please browse to the supermarket.


38. Tricks and Accurate Managing Earnings


We just received a salary, often we just so eager to shop uncontrollably. In fact, you have to wisdom in managing the salary so as not to run out of "breath" in the middle of the month.

1. Pay all bills
Once the money paid into the account, immediately pay all the bills. For credit card bills, should be paid in full so as not to get into large flowers. Even if you do not have enough funds to pay the entire bill, pay at least 30 percent of the total debt. Avoid the minimum payment with payment. Because it would only pay interest only, not just debt.

2. Saving is more important, then shopping
After all the bills paid, then enter the remaining 30 percent of the funds into savings accounts. Direct debit to salary in a savings account is also highly recommended to prevent you from saving forgotten disease. Understandably, usually while receiving a salary, which is in our head is to spend, spend, spend, if there is remaining, just remember to save, We recommend that you change this behavior. Please save your money first, only then you spend the rest of the funds. You do not want it, was tired-tired of working but to no avail.

3. Track record of spending
It is also important to do is record all your expenses in detail. Make a list of everything you spend during the month. Among them; transportation, meals, entertainment, bills that need to be paid, and so on. Stick to the list when you spend money. To avoid sudden expenses, make an unexpected expenditure.

4. Keep all receipt of payment
If often confused do not know where his running your salary, from now on should save all the shopping receipt. Monthly expenditure of receipt, coffee, movies, until the parking and tolls, from here you will know which expenses are very large and over budget. If you know exactly the problem, you can fix this weakness in the next month.

5. Lunch tactics
Not only that school children need to bring food, you are working in an office needs to do this. If you're reluctant to bring lunch every day, do it once a week. Most important, smart managing money for lunch rations. If today you have lunch at the restaurant, then tomorrow you can bring lunch from home. When two days out of your pocket, then the two days you also bring their owned food. This will make your expenses in balance.

6. Variation transport
Postal transportation spending too much exhaust, For those of you who took a personal vehicle, the cost of gasoline, tolls, and parking needs to be taken into account. Well, to trick it, you can find a companion, so he could share gas and tolls or occasional use convenient public transportation, like train or bus-way, if in a month, you two weeks to use public transportation, how many dollars that can be saved?


39. Frugality in the Kitchen Tricks


The simple and easy tips in dealing with rising prices are to save money. Spending save can be done by changing wasteful habits. Frugality does not mean cheap. Simple steps can help to overcome the excess expenditure in the kitchen sector.

1. Shopping list. By making a list, you have a guide when shopping. Remember, there is a big difference between wants and needs. Focus on what the family needed. In traditional markets, you can haggle prices, so you'll be more frugal. Record all expenses and use as a reference when going to shop at a later time. Bring money sparingly. More money can be tempting to buy a waste.

2. Refrigerator. Refrigerator is one of the electronic appliances in the home of the most draining. The lower the temperature (the cold), the more energy required for cooling the refrigerator. Arrange the temperature of one level above the midline. Cooling water in the refrigerator can also be tips on saving electricity because you do not need to use the dispensers. Too often open and close the refrigerator also result in waste of electricity.


3. Cooking oil. Plan menus for one week the family forward, you can save use cooking oil to 30 percent because you can pick a clean oil, clean and slightly dirty, Remember, do not fry in oil at more than 2 times. Excessive heating will cause cancer triggers fatty acids in oil content.

4. Cooking in a different way. Another option is to cook by boiling or steaming. In this way, in addition to saving, is also much healthier than frying.


5. Gas cooker (presto). Cooking with presto pan can reduce gas consumption due to the rapid cooking process. With high pressure, cooking did not take long on the fire. Factor of the vapor barrier also helps maintain the nutritional content of food, can be said to have the kitchen investments.

6. Ingredient. Take advantage of vacant land in home gardens to plant various herbs. In addition to fresh and pesticide-free, you can also save the expense. If needed, you will easily pick him.


40. 6 Tricks to Pay for Long Lasting


You've heard the term seven-point salary? However on 7's "coma", Of course, this is not because the salary the person is under the minimum wage, but because of lifestyle than the pole peg. Basis of the coma that you experience are actually the wrong financial management. Robert Pagliarini, MSFS, CFP, author of The Six-Day Financial Makeover and president of Pacifica Wealth Advisors, Inc., Offers a system to control your finances:

1. Create a spending report
The only way to check is to check the finances, where the departure of your money. Write down everything you spend for a week. Most people would not be surprised to see such a large expenditure rent, gasoline or insurance. That people are more shocked when he saw many small expenses such as movies, coffee with my friends or buy DVDs. Once accumulated, the amount so much too!

2. Apply envelope management
Some people go through methods that are often considered ancient. Each week, take some money from an ATM or a bank (according to your budget, or less than that), then for, for as needed. Spend money only from those funds during the week. You would not think how much you can save this way.

3. Defer expenses

There are several types of expenditures that can be postponed temporarily, for example, delaying a vacation or new car trade. By delaying these expenses, you will get extra money for more pressing needs.

4. Cancel
Cancel expenses you do not use. For example, you register a member of the gym, but never use your membership. Anyway, just being realistic, if sport is not a priority you, better use the money for another membership. The same thing can you apply for the extra costs of the additional channel pay TV that you never watch.

5. Reduce
Any expenses that you cancel the extra savings in your wallet, suppose you have a habit of eating with the family on Sunday afternoon, You can reduce this tradition to eat with only two weeks. Another way to eat together every week, but by choosing a restaurant that is not so expensive.


41. Ductility, Key Success So Women Leaders


Accenture, management consultant agencies, technology services and outsourcing, surveyed 500 senior-level women executives and CEOs in 20 countries. How the result? Women proved more resilient than men. Corporate leaders around the world believe that the resilience or the ability to overcome challenges and turn them into opportunities are keys to keeping a job and rise to higher levels. The leaders saw that the women far more resilient than men.


Material ductility is a very important consideration in the company. Leaders will maintain and provide opportunities to women who are resilient than those who smart but lazy. Other research results showed that women in the workforce more flexible or more easily adaptable than men. The study also launch that 60 percent of women in the company given the tasks that can enhance a career, whereas the other 40 percent are prepared to act as senior management. Other findings show that 20 countries in Europe, Asia, and America maintain a special professional development program for women despite the economic situation were declining total.


42. Success Criteria Women Leaders


Corporate leaders around the world believe that the resilience or the ability to overcome challenges and turn them into opportunities are the keys to keeping a job and rise to higher levels. And women were far more resilient than men. Accenture researchers, a management consulting agency, The leaders saw that the women far more resilient than men.

Toughness is a combination of adaptability, flexibility, and set goals. To successfully become a leader, you also need to have different criteria as follows:

1. Level of confidence. Those who can occupy the executive level generally have a high confidence that life. Never give up and never saw the problem as an obstacle.

2. Level of productivity. Productive not just in terms of completing tasks and achieve the target company, but also in terms of networking. Flexibility and adaptability play a role here.

3. Degree of flexibility. The higher the position, the more flexible you are, because you will be faced with a variety of tasks, colleagues, and subordinates or superiors, who have different properties.

4. Degree of team work. Those who can work in teams, usually a good team player, but they are also able to work alone without the need to involve the help of many people.



43. Support Youth Excitement


Innovation and the ability to create something new to be the key to success against global competition and change, Therefore, the desire and enthusiasm of young people in Southeast Asia to innovate in all areas must be developed and supported.

That is one conclusion Chess Grand Master Garry Kasparov, the U.S. Millionaire Donald Trump, Musician Sir Bob Geldof, and Director of Marketing Fabebok Randi Zuckerberg on Youth Engagement Summit (YES) 2009 in Kuala Lumpur, Malaysia. This activity was followed more than 1,000 young people from Malaysia, Singapore, Indonesia, Thailand, Philippines, Vietnam, Laos, and Brunei.

According to Kasparov, each person should not stop learning and changing in the face of change and the global challenges by continuing to innovate in all areas. Of innovation must be done with respect and respect for human values and to create conditions of a better world. Every person, Kasparov said, had the same chance to be great. The important thing is we want to fix weaknesses.


Innovation, according to Randi Zuckerberg, is also of key importance for the development of social networking Facebook. Innovation in business or any field should be tailored to the needs of people at that time. Through teleconferencing, businessman Donald Trump from New York, USA, explained, in addition to creative and hardworking, young people must really love the activities and work.


Focus on what you do and have a high discipline. In addition, Trump reminded that in running a business or employment, young people should believe and follow his instincts. Every person has a good instinct.


As Bob Geldof suggested that young people are not afraid to voice their idea and their right, even to deal with the authorities, Conditions in Asia is much better on the appeal in Africa. These conditions must be utilized for Asian young people ideas and work of global challenges.


44. Weak Cooperation Network, Small and Medium Business Markets Easily Tricked



Business cooperation network of inter business man still minimal local traffic, as a result, business is very easily tricked by the market. Every region in Asia actually has a huge economic potential. However, every business, especially micro, small and medium enterprises, in each region to work on its own, Everyone knows how the story about the broken furniture industry because the market tricked. That happens because the network no inter business manufacturer. We must learn from it.


The lack of cooperation between businessmen also has an impact on investment. So far, the investment potential hastily handed over to foreign companies because of local businessmen considered inadequate, if each local business men would not be able to compete with leading foreign investors in capital, human resources and technology, in the field of mining, for example, very few local investors who become players. But through cooperation, local investors will be able to compete.

A. Build a network
Seeing these conditions, he said that trade and industry Rooms will focus on building a network of cross-regional inter business man. Java, Bali, and Kalimantan will be a pilot project with a focus on the wood sector, mining, crafts, and plantations.


Through these networks, cross-regional business that has the same product can meet the needs of the market together. That way, they can control the market and not vice versa. Eg Indonesia will supply tea to the Middle East. Through these networks will emerge a favorable price for all entrepreneurs, if they own the road, there will be offering a dollar, half dollar and so on until finally the loss entrepreneur.

Kamara program of commerce and industry, this could be followed by the formation of business networks across the province. Such synergy is also important in ensuring logistic distribution so that the rate of inflation can be controlled.


45. Branding Not Just for Giving Names


For the start-up entrepreneurs, branding or brand often giving lower priority, In fact, if truth be told, brand determine future non-verbal communication with the buyer. Entrepreneur branded handbags from Hong Kong Anthony Keung share his experience of branding in the last discussion The 10th Hong Kong Forum in Hong Kong Convention and Exhibition Centre.


Branding is now often confused. It's completely different with some brands and names. I think if you have the same product with another person, the buyer knows the difficulties which are better, how long it will take and how its quality.


Therefore, employers should be able to introduce quality products through brands. Even in the past only one stamp to livestock sold as the identity of the business. But the most important for us, (with branding) we promise quality, service, consistency and style to the buyer. We also had to promise that the buyer should feel comfortable, proud and confident with our products.


Keung not dismiss that brand makes a product has a premium price. But Keung very confident, and the market proves, that the buyer or the customer will come back when the brand becomes the representation of quality and service business. "People want to pay a premium because there is added value in our products, such as good quality, design, warranties, guarantees, durable and affordable location," he added later.


How to Select Brand? Keung fashion retail business started in the 1980s and became one of the largest fashions the retail business in Hong Kong by 12 famous fashion brands, including brands sold his Anteprima in 109 stores around the world. A month ago, just Keung handbag Anteprima market expands into Indonesia.


Anteprima Keung chose the name as a premium brand for handbags his simple and easily remembered by the buyer. "You must choose a simple name. If you choose a name that you feel good but long, people will not remember it. It is necessary in mind is that, a good brand is simple, containing a good idea and easy (to remember).


46. 3 Principles of Building Quality Relationships


The grass often looks greener than your lawn? Do not consider like that. You do not know what other families experience, even your own brother's family. Lots of families from the outside looks fine, but the conditions inside were very painful. Foster family is not enough just based on patience and understanding. Like a house, the family also has a foundation, columns, and roofs that must continue to be kept intact.


Want to have a husband who managed and successful, the children class champion, the proud maid to the environment? There is a way. Basis or foundation of family life is love. Love does not demand physical and attention. Love also does not have to merely reciprocated, after getting married, no longer time to sue the unrequited love, The unrequited love with words made only when the couple knew each other, ie, when going out.


So, do not require the couple to remain as intimate as each other. Requires constant attention from her husband or partner could be a boomerang in a marriage. The brain is made single track man. They can’t concentrate for more than one thing. Do not demand attention when they're focused on something. You will be disappointed. For example, you request that your taste created when her husband was busy watching the ball. Well, maybe you can only up-set. They will not notice, sometimes not heard anything.


Pillars in marriage are communication. If the temperamental of husband or partner, you should already know before getting married. When you take a husband, then that's when you receive all the goodness and shortcomings in one package.


No more excuses you're tired and can’t accept the harsh nature, when you're married. In contrast to courtship, the current conditions you can have with a breakup and silence. But as already married you have to do is communicate. If you feel unable to overcome differences, disconnect before continuing into the marriage.


Then what is the roof? Financial management, Remember, unlike financial management and financial wealth, Small problems associated with the money can be a fight. Financial factors could be a problem if not asserted at the beginning of marriage. You got married when his work was still go alone? Prepare for the possibility of worse.


You are married with spouse, as he had many possessions and savings? You also still have to get ready. Separate personal property accumulated before marriage, and property. Want to survive financially? If necessary use a financial consultant.

Family life such as running to the finish line, decide together, which path will you both go. Which is more quickly reached and minimal obstacles, if you are married without a goal, you will never get to the finish line.


47. Learning to Be Tough Employee


Many years served on the company, but your career stagnate you never get a promotion, but your friends drove fast, what went wrong? Maybe you less resilient, Perseverance are the key towards success. Someone who mediocre, but tenacious, promoted faster, they are also more trusted by his superiors and easy to mingle with anyone, Here are the factors underlying the persistence person. Try to see if you already have this attitude in work.

1. Adaptive
Easy to adapt in work situations of uncertainty, you are also able to bounce back when dropped.

2. Focus
You know things are a top priority. You do not have much spare time for overtime, because it was taking into account any of your tasks can be completed.

3. Flexible
Smart people build networks or a network more quickly achieve success, you do not prestige or otherwise, afraid to network. The larger your social circle, the more things you know.

4. Clever
Why you promoted? Because you have a character, there are advantages or value that is not owned by anyone else. Be amazing!

5. Able to accept the challenge
For you, nothing is impossible. All can be done and cultivated. You see the challenge as a way to improve your skills. You can perform various tasks at one time.

6. Purposeful
Work only for the money or position? No wonder, does not visit your career up. You should total the work. Set within the next 2-3 years, what you want to achieve.

7. Innovative
People who have an ordinary character alone is a lot. You should be able to make a new breakthrough in the work environment. You can use imagination and creativity to solve problems.

These seven characters are not all you need to have. Because it depends on the conditions you face. There are points that should be dominant, and some do not. Toughness must be in us, so that later on when in the work environment and our organization will be better prepared to face the challenge.


48. Want to Know How to Make a Record Album?



Many people who have musical talent, but not all get into the industry. Some deliberately chose to make music just as a hobby, others do not know how to enter the music industry, at least, how the record their own albums. If you intend to make music as your occupation, whether as performer or producer, you can music class. You can get the music courses in your own town.


Music schools have equal facilities with the music studio. The owner of course that will equip schools with a showroom that sells musical instruments and music studio for recording, mixing, and mastering. You can choose the music studio with international standards using the software Pro-tools HD system 8 is used for the purposes of making music, films or advertisements. Especially if there is a studio equipped with a digital element.


The owners have a music studio for the purpose, to give opportunity to those who have musical talent in order to obtain a good tools, not just a hobby channel, because the music is expected to be the main livelihood, for example a music teacher.


Music studio courses you can choose the music started the program guitars, drums, composition and recording engineering. All courses will get a package of materials such as technique, theory, musical insight, the introduction of the recording, arrangement, adaptation in the band, introducing the music industry, as well as a minor instrument (the introduction of additional instruments other than those studied). Hopefully, with this module the course participants can adapt to the music industry and the music genre.