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I. Financial & Bisnis (48)

01/03/2010

1. Salary Increases, Savings Remain Intact

Promotion you have recently made your salary rose 20%. Unfortunately, your expenses go up too, so the amount that you can’t grow tubes. How do you get a salary increase that could increase the allocation of investment? What you experienced was indeed a classic problem. Income rose always counterbalanced by an increase in expenses, not infrequently even increase their spending even more. Because of that, no matter what your income increases, never more shall feel when you are automatically also raise the level of everyday life.

Logically, a pure salary increase is 20% for the absolute additional investment, of course, if your expenses do not change. However, if you also want to enjoy life while increasing portion of investment, wages should be shared equally by increasing the expenditure in proportion (20%). That is, the portion of your investment allocation must rise 20%.


2. Household Finance Distance

If you and your husband live far away and you are very difficult to save because, the cost of living is double. Not to mention transportation costs husbands 'going home' once a month and pulses for communication. Money transfers husband is always out for their household needs. This condition was severe and much different when you are still living together in 1 city. How do you set a budget for long-distance family?

Unless your husband's income was much higher than the previous salary, setting your budget is more difficult now. Imagine, the same amount of income, but expenses multiplied (the cost of two houses, transportation, and communications). For his maneuver, of course, required sacrifice from all parties. Lack of income is always a major problem the family's financial problem. The average person thinks that a large income is the answer for all the family's financial problems. The problem is that not everyone is lucky to have a large income and not necessarily also those who have large incomes do not have financial problems.


You should therefore cooperate with the husband to make a family financial plan that aims to husband's income could only provide for the family monthly current, but also one can always set aside for future savings. You can try to get additional revenue, such as starting a business or a business at home, to offset family expenses soaring. Also you need to sacrifice others, such as reducing the frequency of back and forth from your town to town husband for a while, to cut the transportation budget. If additional revenue is not possible, consider getting together again, you and the kids who relocate with their husbands or your husbands who seek a job in your city.

3. ATM Card Security


With the monitor issue hidden in the ATM room can see the PIN number. Given monthly spending big enough and all stored in an ATM, how much funding should be stored in the ATM? If it is a concern you, perhaps a more important consideration is an alternative method of payment and other transactions. For example, to reduce the frequency of visits to the ATM, you can try phone banking or electronic banking for the monthly payment method and moved the book to various parties.

For shopping everyday needs, you can use a credit card or debit card. In this way, withdraw cash at an ATM in accordance with the requirements. For more secure again, choose the ATM counter that have good security, such as in office buildings. Avoid ATM that are living on the street or mall traffic-ridden people.


4. The Lure of the High Interest Deposit


Sometimes you often be persuaded to save money in the form of deposits in the short term, ie one or three months. After that, you are welcome to close it again. Their reasons, interest is high, so this way will be beneficial. It was so incessant persuasion until you powerless to refuse. Is this profitable?

The solution is, before you are tempted to the lure offered flower, focus back on your main goal in the form of savings deposits, such as a competitive interest rate and without risk. Saving funds for short term or long term win-win, Of course this depends on your needs. Thus, there is no harm in the offer is taken. However, you should not bother to move the deposits to another bank just because want to get a funny souvenir gift. Deposit rates or slightly higher than your original bank where you deposit money.

5. Solutions Husband Not Fixed Income



A family financial goals begins with the planning and implemented based on the allocation of plan you have created, In the course of family life must face obstacles pebbles, Sometimes these obstacles or risks so great, so you no longer can overcome the financial problems that you must endure. Lots will adversely affect the continuity of family life. Therefore we strongly recommend that you plan for protection against problems-problems in the way of life that may occur. If you as an employee with a mediocre income, while the income your husband much larger, but seasonal in character because he's a freelance worker, How should your family's financial arrangements?


How to deal with your problems is in the husband got a job and there are quite lot of income, save some funds to cover the shortage monthly needs (for 3 months in advance). The remaining half is invested into short-term instruments (eg deposits), which can be liquidated if after 3 months had passed. The husband still did not get the job again. The remaining can be invested into the medium-term instruments, and even long (such as bonds, stocks or mutual funds), with the expectation that the investment results over time can help improve the family finances.

6. Adjust the Budget to Pay Regular Social Gathering


If you join social gathering with the primary purpose of socializing, you are better prepared mentally to face the risks of other losses. The need to ensure, see the other participants, do you know exactly who, what also has a great desire socialization? If so, the nature of the goal is reached, and consider others as complementary elements of money only, so do not search for loans or profit from the social gathering.

If you choose the money part social gathering, choose a number you consider "small", it is very necessary, because if you consider the amount of money, means that in the near future you could be in trouble for social gathering. I could have a family spending money you actually will use for social gathering. Remember, a small number here, then you certainly can afford to pay the money Social gathering until the social gathering time out period, which ensures that the number great or small, you actually own, not the size of the general population or the size of your social partner.


In fact, legitimate you follow a variety of social gathering, as far the deposit already included in your budget, and schedule social gathering that does not interfere with other activities. Reckoning, you are forced to save for a while. Social gathering tuition should be included in the budget headings want to spend money, which is the smallest portion of total income you postal order from the largest to smallest: the must spend, should spend and want to spend.

Social gathering winning turn is nice, because we feel like struck down windfall, though actually it's probably to be expected. To have money does not vanish social gathering just before the spent first should be set aside in part, at least for the payment of the deposit of money rest of the next social gathering. What type of social gathering that you follow (if you've come), but if it was felt to be a burden, meaning the type or amount of their spending too much. Remember, part social gathering rather than looking for the load, so when I was heavy, select it social gathering which really need to be followed.

7. If Finances Termination of Employment Occurred


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

Prior to the termination of employment, you should have a reserve fund for at least a monthly budget for the next 6 months. The funds are actually used only for daily needs (food, transportation, paying bills, and so on) for 6 months. Consideration, the period of 6 months is a pretty safe, you may need to find a new job and go back to get regular monthly income.

For that, the money you get severance pay, set aside funds for 6 months earlier to your savings account. The rest can be invested in investment instruments that are medium to long term, such as ORI, stocks, or mutual funds (types of fixed income, mixed, or shares). If you already take into account expenses carefully, but was still short, so try to find other revenue enhancements. Looking for extra income does not mean having to return to work as a fulltime employee. Because there are many ways you can do to get extra income for the family, among others:
1. You still can work again but not necessarily full-time as regular employees. But you can take a job that can be done part-time or time flexible, for example, becomes an insurance sales agent or real estate broker.

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

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

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


8. 10 Ways To Joy Powerful Savings


The habit of saving is not easy. Many who complained difficult to save money, even in small amounts, Generally not used to discipline people put aside money for savings as soon as get revenue. This likely occurs because of several factors, namely income really minimal and only enough for everyday life and society generally do not specify clear financial goals, so how to get to us easily saved. Here are 10 easy ways to save:

1. Make a note of your habits in a month
You do not need to be rich to save. Actually it is very easy to save money, as long as you're spending less than income. Before you decide to save expenses which, you have to know how your habits of spending money every month. Likewise with the other expenses, to buy clothes just waiting there SALE time and budget limits set that can be used when shopping.

2. Set aside money for your personal
The key to success is to set aside to save money in the beginning, before payment of other things such as paying electricity, water and mortgage. Determine the long-term goals and regular please saving your money in a savings or investment. If you're accustomed to a new shopping and trying to save money left after the end of the month, then generally the rest of the money in your account is not much.
Do not give a chance for wasteful, old-age set up funds, emergency funds, and college funds by automatic transfer. Each end of the month you will feel pleased that you have saved something for the future.

3. Determine Date
If you get a monthly salary will not be problematic to determine the date to set aside funds, but for those who receive wages every two weeks, then specify one of two that date to set aside funds that will be saved. If you are an entrepreneur, specify the date in the middle of the month when you do not pay the bills.

4. Pay Your Debt
Immediately pay off debt is one of the best ways to accelerate your savings. This is because higher interest rates than savings interest.

5. Keep on your discipline
After the debt paid off, then continue to set aside funds each month into savings, even better if available automatic withdrawal to be put into investments.

6. Your self-motivation to achieve great results
Decide what you want (New Sofa, Family Vacation Package, Home Theater) and know how much funding is needed, then set a realistic way as a regular savings for six months. Put a picture that shows what you dream at his desk, room or wallet so you always remember your goal to save. So every time there is the temptation SALE discount or at the mall, you are not easily tempted.

7. Open the account that you can’t touch
To purchase with a larger amount, such as down payment for a house or car, using save slowly deposits. These accounts generally have higher interest rates than regular savings, and time period specified period. Thus you can’t touch it when there is the temptation to shop, but still be able disbursed during emergencies.

8. Use a piggy bank or jar for your coins
Money in coin form is often considered not important, but if it is collected in accordance with the adage "a little bit long been the hill" At the moment full jar or piggy bank can increase the amount of your savings or can be used for needs such as buying a child a notebook, and other small gift - other.

9. Bag bonuses and other surprises
Every time you receive a bonus or gift in cash, immediately put into a savings account. This money is not part of your regular income, so that should not be used for daily needs and keep you. If you have debt, use these funds to pay off your debt.

10. Familiarize Save Life
There are many ways to save money without having to suffer. Bring food and drinking water from home, use public transport, stopping smoking, vacation time is not dense (low season). Take advantage of discounts in order to get the things you "need" more cheaply, and many more.


9. Excluding a Solution to Save Money Shopping


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

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

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

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

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

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

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

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

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

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

7. Do not ever count on saving money "if there remains"
If you rely on money from the income remaining after use various needs for savings, it's likely there will be no rest. If anything, it is usually very small amounts and not comparable to your earnings.
Thus saving some easy ways you can do. Error in saving a lot of people are relying on the remaining funds left for later saved if still remaining. Believe me, if you do it this way, there will never be the rest of the remaining money can be saved and you will never start saving, The temptation to use and spend money so great that it needs a strong determination to save the future, as soon as you earn money.

10. Treating Non-Active Accounts


When you have multiple accounts at one bank that you rarely use and have a minimum balance amount, unfortunately, every month the bank always imposes administrative costs are high enough so that eventually you become a minus balance and charged to your address. How best to treat the account is disabled? As the name implies, a non-active accounts, meaning the account is no longer maintained. However, before closing, you need to ensure that this account was actually disabled, as well as no specific payments are automatically debited from the account.

When it was clear that this account was actually not used anymore, visit the bank branch where you opened the account and make immediate closure of accounts. There are forms that need to close your account contents. Give reasons for this closure, cancel all related facilities on the account and return the ATM card or other card if any.

This closure is necessary because if the non-active accounts allowed, would erode the remaining balance due to administrative costs or penalties due under the minimum balance is kept charged. In addition, there will be a new problem if you lose your ATM card because you still need to make a report. You certainly are not comfortable if you continue to call or sent letter to reactivate the account. If you still want to use another account for a particular need, try and keep the contents of these accounts with balances over the minimum.

11. Savings for the Holidays


The end of this year if you and your family have plan foreign holidays, then you need to prepare a special budget for this holiday, not only to prepare the allocation of savings as a backup if there are unexpected needs. Then you think to use these savings. According to expert financial planners, it's less wise if you use the savings that have been set aside for investment purposes or for leisure. Taking the new debt is not the wisdom of financial planning. If finance is not possible, select a holiday or other activities that do not eat too much cost. For the future, if you have plans to vacation abroad, start saving and making a special budget for it.

About how much money should be budgeted, better hunt advance as much information as possible about the location you want to visit. Try to find a vacation package during low season or outside the holiday season because the price is much more economical or you can also take advantage of special packages from the bank or credit card issuer, such as buying a ticket to 1 free ticket 1, and other forms of promotion. With a little effort a dream vacation with family abroad can be more quickly realized.

12. Are Mutual Funds Right for Your Best Year?


Choosing the right investment product is sometimes not easy to do, Moreover when looking for a safe investment products. Some people who put an optimistic attitude in looking at the economic situation in 2010, it will choose the investment in stock products.

But few others did not consider if the year is the year 2010 rather than the global recovery, so they thought it was better to place funds on deposit products and bonds. They are very confident with the prospects of economic recovery in 2010, would be ready to place most of the funds they have in stock products, while stock prices are still correcting.

Now for those of you who find it difficult to determine the appropriate investment products, perhaps because you are also not a regular speculate, of course, mutual fund products is a middle road. According to the capital markets industry, rather than a stand confused, choosing mutual fund products is the right step, because mutual funds can be flexible to the situation the market movement.

Mutual funds, is an investment product designed specifically to attract public investment without having to sue investors play an active role in daily trading in the stock market. If you require playing stocks continue to monitor the screen and watching the movement of stocks that would require a special time, instead, invest in mutual funds is not the product.

Invest in mutual fund products that you trust your funds to be invested by investment managers. You simply determine the type of mutual funds, investment managers who will actively traded in the stock market. You as an investor is to monitor only the development of your fund value. In general, there are 5 types of mutual funds, namely equity funds, fixed income mutual funds, money market funds, mutual funds and index mutual funds mixture.

Each type of mutual funds will be invested by the investment manager to the types of investment products. For example, stock mutual funds, investment managers would be to place investments fund an investor to stock products. Later investment manager will take action to buy and sell on the trading floor. Mutual fund investors have enough to monitor progress, likewise with other types of mutual funds and mutual funds except the mixture.

Mutual funds are a mixture of mutual funds that put their investment funds on the capital market products, of course, with the portion size different. For example, a mutual fund product placement offers a mix of investment funds in the stock for the remaining 30% and 70% in bonds. Well, a mixture of mutual funds considered to be the most attractive instruments for investment this year. Therefore, Composite Stock Price Index (JCI) will continue to strengthen in line with economic recovery in 2010.

Year after year the stock price will rise and many companies are planning to issue bonds with varying yields and attractive. This year, investors should go to a mix of mutual funds, stocks and bonds. Stocks are still going to grow so its value would be increased. Mutual funds in addition to the mixture, an attractive investment instrument are the money market funds. This type of mutual fund value is higher than the investment in the form of deposits and the risk this year will not be too high. According to him, the initial capital needed to start investing in mutual funds are not large, Investors can begin to open an account with a small budget, then gradually added portfolio.


13. Customer Bank Suggested Routine Change PIN


Banking observers suggested that the bank's customers are routinely advised to replace the personal secret number (PIN) and the closing number when entering the number, then enter another PIN number is wrong to deceive. Efforts to change the PIN number regularly to anticipate the crime was committed by a syndicate of professional, banking-related crimes committed by a syndicate through a bank customer PIN number.


Therefore, the banking system going forward chip card which makes it difficult to track the criminals who try to drain customer funds placed in banks through Automatic Teller Machine (ATM). The customer is expected to remain calm and cautious in doing banking transactions, especially in using the ATM card. The banks and the police have held coordination to resolve the crime problem. The whole bank is currently re-evaluating and detecting all ATM machines including EDC (Electronics Data Capture) that exist in various locations to ensure no abuses of these machines.

It is recommended that the client to examine and consider the current conditions using ATM machines or EDC, and ensure that these machines do not have anything suspicious, Hacking bank accounts of the syndicate other than done working together in conducting the operation mode. Break-ins in general accounts via ATMs and internet banking, banks are expected to accelerate the process of anti-skimming at every ATM. ATMs should be equipped with the latest technology skimming anti-crime. It is also intensifying surveillance and sweeping at ATM machines for the early detection of undesirable events. This skimming crime is new mode ATM burglary crimes. This is just the first case to this point, because had never happened in previous years.


14. Early Detection System for ATM Hacking Required


Prevention of burglary cases customer funds through ATM machines can be done not only through improved hardware. Banks also can build an early detection system by studying the crime indications customer habits. In addition to hardware such as the addition of anti-theft device and other data, banks can also do early detection. Early detection is done by recording habits in the use of ATM customers. Thus, if there is an unusual usage, the system will tell the bank to clarify to its customers.

For example, there are customers who always take certain amount of money in certain places. If the amount of money he had taken more than usual or not taking in the usual, this system will automatically notify the bank, Further crimes of this card does have two patterns that involve the bank's internal and / or third parties. Method always uses customer data theft and peeping PIN.

To prevent it, banks can strengthen the instruments of transactions with the anti-data theft and peeping. In addition, banks could also complement the system with a system of early detection. In addition to the ATM system can also be developed for other non-cash transactions such as credit cards. Previously, the central bank urged banks to intervene to calm customers, the officials of the State Bank to intervene to resolve problems in ATM break-funding, because this problem can bring a negative impact on the psychology of customers including the withdrawal of funds.


15. How to Use Powerful Smart Card


Although the smart card (smart card) has long you have, but still sometimes forget to use it properly and correctly. For that, the Bank provides some tips using smart cards and security in the transaction:

1. In order to keep your transaction smoothly, change or add a request for Debit transactions in accordance with the required limit. No matter how big your transaction needs, there are various types of debit cards with a limit of transactions that must be appropriate.

2. If you are not satisfied with the daily transaction limit of your card, immediately replace with the type you want. If your bank customer, you are not charged any fees at the nearest bank branch.

3. Take advantage of debit cards for the various needs of your routine transactions through ATMs and other electronic channels, such as Mobile Banking, Internet Banking and Call Banking of payments of bills, buying refill pulse, plane tickets and transfers between accounts. Customers do not have to bother to go to the bank branch because all transactions can be done anywhere from where you are.

4. Avoid cash withdrawal excessive because it would make you tend to extravagant. The money was withdrawn and the purse is likely to be used faster than the money safely stored in your account, you will tend to be more consumers and use your money for needs that are not really you need if you are holding cash.

5. Avoid withdrawal excessive cash, because if you lose your wallet, your money will also disappear. If you are still saved money in the account, you can simply call your bank's service center. If you are experiencing difficulties Bank customers in transaction, then you can contact Banking Call or contact the nearest bank branch to block your debit card.

6. Use a debit card for all your shopping needs routine for the exact amount payable amount in accordance with the value of your shopping. For this purpose, you do not bother counting my change, freed from the change soiled or troublesome coins.

7. Immediately change your PIN at any time, if there are other parties concerned who know your PIN number.

8. Do not tell your PIN number to any party, including a bank officer for any reason.

9. Do not let your debit card changes hands for any reason. Immediately block your card after you lose your card knowing.


16. Confidentiality PIN Internet Banking


Personal Identification Number or PIN is a secret code that provided the Bank to their customers, so customers have the authority to transact. PIN is the key transaction security, especially through e-banking. The bank will identify its customers through the use of USER ID and PIN Internet Banking.

1. Never use the same PIN to meet the needs of non-financial and financial that you do through the web, such as-mail, online shopping, and other online subscription services.
2. Do not create a PIN that is a repetition of the User ID.
3. Do not use a PIN that can be easily guessed by others, such as phone numbers, date of birth, vehicle number or other personal data. Should choose a unique PIN number and not meaningful, the more random, the better.
4. Do not use a simple PIN number and sequential as 123,456 or PIN that is a repetition of such numbers: 111,111.
5. Never give your PIN (personal identification number) you are on others, including the people closest to you and even though the bank.
6. Do not record the PIN on paper or store it in writing that places others can read, for example: agenda or calendar. Do not write PIN or store it in computer hard disks, floppy disks, mobile phone or any other risky things.
7. If you use Internet Banking service, before entering USER ID and PIN, you must always ensure that you visit the site properly. Make sure that the internet banking page you are visiting really is the bank.
8. Change your PIN periodically using a PIN change service in the Administration menu on Internet Banking.
9. Change your PIN immediately if you feel that your PIN has been known to unauthorized people.

Doing Ethics in Internet Banking
In addition to easily use the Internet Banking facility, use any ethics you need to consider that the transaction can take place safely and comfortably. Here ethics applicable:
1. User ID and PIN should always be kept confidential. For that only you deserve to know. Even officials of Bank Customer Care though no right to know.

2. Be sure to logout to do every time you're finished using Internet banking or when about to leave the computer, if only for a moment. This is to protect you from the possibility of another person after a computer user you can access your account information.

3. Don’t occasionally give details of your personal information in the form of sites like the following online quiz. Things in to keep your personal information can’t be caught by a bogus website.

4. Not advised to use Wi-Fi (hot spots in the area) in a transaction through internet banking, because the wireless network is not secured.

5. Protect your computer from viruses and other malicious programs. Make sure that the latest anti-virus software active on your computer.

6. Check your account and transaction you have ever done before in detail and routine. This is to ensure that no illegal transactions in your account. In addition, should also make a note, when your last login. Record the date and time you login to Internet Banking.


17. Supervise Danger Typo Site


The Internet Banking doing a lot of people interested enough, As a result of these transactions can easily be done anytime and anywhere. Even without having to move from the desk though, But there are times when internet banking to target crime in cyberspace (Cybercrime).

Cybercrime obvious phenomenon to watch out for this crime is quite different from other crimes in general. Cybercrime can be done without the territorial limits and not required direct interaction between the perpetrator and the victim of crime. So often the victims do not realize it. And one of these types of crimes is typo site.

Evil typo mode this site is quite unique and often not realized by the victim. Way, the perpetrator makes a site that has a name that is almost similar to other official sites. Making it difficult to distinguish to prevent trapped typo site, you should always do a survey re-spelling of the name of a site that has been typed. There must be no typographical errors, including the use of the symbol. The mistake that a lot happened for example in writing SMALL EL (l) is similar to the letter I BIG (I), or the number FIVE (5) is similar to the letter S MAJOR (S).

Internet banking site usually with a certificate as an additional protection, Therefore, if you doubt the truth of a site certificate, you can click View Certificate to view certificate details and make sure that your company can be trusted into their site. If left a message warning about the certificate when accessing the Internet banking server, so better not to access the site or checking the site name you type.

By the time you access the internet banking site from a link, check earlier truth that link to take you to the actual bank server. See no-no letters or one game type. If you feel or see anomaly, immediately stop your activities and do not again enter a password or personal information. To be more sure ask someone you trust and understand technically correct, or directly to the local Bank Customer Service or e-mail contact the bank's customer care.

18. Role of Bankers of Economic Change


The world's financial markets experiencing turbulence high enough, these changes occur due to pressure oil prices soaring world food problem as well. We have already acknowledged was heavy pressure for the global financial markets. It should be necessary to understand the role that becomes a bank of your choice. The role of the bankers of them is:
1. A bank you choose should be able to navigate the challenges that exist.
2. In addition, can dedicate a sustainable economy.
3. Having a vision and perspective, thus providing a positive image of bankers and banking professions.
4. Being a professional partner to create a culture of stakeholders in the development of the banking system is healthy and productive.
5. Filling members with character development, education and sustainable focus.

Step one of the banking Success is credit channel, collecting Third Party Fund, so putting the banks back in high trust. Moreover, with banking profit increased relative come since 6 years back. Answering the question that everyone is now evident that many of the Bank who are able to interpret people's confidence in the economy and promote banking services already available since a long time, to grow with you.

19. Set the Household Finance


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

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

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

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

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

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

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



20. Discriminating Mobile Banking with SMS Banking


Not easy to do for you who do not know the difference in mobile banking with SMS banking as a new customer of a bank. Let alone how to use each of these products, although similar can be said but not the same. First you need to know the tool used in mobile banking and SMS banking. Use of this tool is essentially a transaction using a mobile phone (mobile). Second, the facility provides a menu similar service is also on your mobile phone screen. For example; money transfer menu, to find information and other deposits.

To find the difference turned out to mobile services that are used for mobile banking must be facilitated GPRS. While SMS banking does not need to go through the GPRS access. Another difference lies in the financing problem. Fees mobile banking will be charged based on GPRS tariffs each operator. And for SMS banking costs the same in each telecom operator. For those of you who have a high enough activity, this offer provides much convenience and comfort of your transactions, especially for bank customers. Whatever you want to financial problems, this leading banking companies will always make it possible.

A. Switch to Mobile Banking
As a customer of one bank, you certainly know enough about mobile banking products. This facility would aim to facilitate your banking transactions anywhere and at any time. Mobile banking service has always been excellence every year, the level of mobility that the higher you will always be noticed by the mobile banking. Simply having a mobile phone certainly can be enjoyed either in a vehicle, home, office, etc. without the need to waste time activity.

With the use of mobile banking you can find information on deposit rates, the rupiah, to move funds between accounts or sending interbank funds. It's just has not been able facilities withdrawing cash directly, such as ATM.

In addition, registration of mobile banking services quite easily. The customers are asked to submit an application, if the bank agrees, will proceed to the mobile phone operators who facilitated short message service (SMS) or Phase2 +. How to use it did not too complicated? Not much different from the way the use of SMS. Customers are only required to write down your PIN and live enter the desired message. A significant difference is the mobile phone used for mobile banking must be facilitated GPRS. The fee charged mobile banking will be charged based on the GPRS tariff each operator, utilizing all Bank facilities given a distinct advantage in your life. In addition to various facilities, comfort is always offered by the bank which often held the lottery program for its customers.

B. Cellular Phone functions as Mobile Banking
Along with the development of mobile phone growth, also appear different vociferous best services for the users. Banking business started to glance at. After implementing phone-banking and e-banking, is now heavily mobile-banking offering (M-Banking). All this would aim to attract new customers and serving our customers with good length.

For busy people, this new offer provides much convenience. First, M-Banking services likely to be a prima donna for the future. How could I not, with the increasing mobility of people is high, this one service in a very good condition. Even more so for those who live and trapped in a super busy city with its streets are always jammed even able to use this service. Original condition had a cell phone.

Second, all the things the customer needs are met through the phone screen menu. They do not need to go to the bank, find a safe parking space or waiting in line another line of customers who also need services. Not to mention having to deal with the bank officer who gave hospitality stingy. In short this facility will increasingly make our customers when there's not much wasted.

Third, the services offered through m-banking start from just looking for information about the exchange rate, deposit rates to move funds between accounts or sending interbank funds. Of course only one who can’t do that is to withdraw money in cash.

Fourth, to obtain m-banking service is easy. The customer is only required to submit an application, if the bank agrees, will proceed to the mobile phone operator. Simply have a phone that has the facility short message service (SMS) or Phase2 +. How to use it did not too complicated? Not much different from the way the use of SMS. Customers are only required to write down your PIN and live enter the desired message.
Proved until now banking services will be able to beat the existing services such as ATM to e-banking, the reason of course for the current mobile phone population grew rapidly. Especially since 2006, there are many banks have proven its expansion with the company's cellular operators so that customers can use mobile Banking facilities are more sophisticated and efficient in saving time.


21. Internet, Do not Just For Social Networking


Internet is the place to chat and update the status on social networking sites. But do not let your internet usage is limited. Maximize internet on your PC and your smart-phone to simplify and make the business more efficient. Anything activity still often done in the conventional manner, but now can be done via the Internet?

A. Shopping in a shopping portal
Shopping is great fun, but sometimes a lot of wasted money for something that it’s "supporters" such as parking and lunch. Want to shop in social networking sites are also limited, because sometimes the choice can’t complete shopping site Ebay or Amazon. If so, why not just shop at a shopping portal? Currently, so many shopping portals worldwide to choose from Ebay, Etsy, Amazon, is Browsegoods shopping names which are popular portals. Shop any way is not difficult. You only need to register and enter the name, address, city, postal code, e-mail and create a user ID and password. Previously you also have to create a PayPal account, a digital payment site that provides security protection from the threat of phishing, hijacking the identity of the credit card. Then to make a purchase, you can simply click on the transaction. Because nature is an Ebay auction site, you may have to wait some time until you win the auction. Other facilities may be provided by the seller is BUY NOW facilities. If you see this icon, the item you want can be purchased directly written at the time. Ideally, before you purchase an item, check the status of the seller (seller ratings) by clicking on the name of the seller (seller username). Once you click, see the status of customer satisfaction and buyer to the seller. Likely get a bad service can also be eliminated, Easy right?

B. Backpacker-style holiday
Trends in short getaway or a vacation for a while now the trend for office workers who want to find refreshment, Light traveling or backpacking term no less now revived with traveling for a long time. Meanwhile, Kuala Lumpur, Bangkok and Singapore became a favorite destination abroad. Vacation style like this cheap but requires courage and adventurous spirit. would require a maximum preparation. Make no mistake, though impressed "vacation home", accommodation should also be smooth. Currently, backpacker hotels can also be ordered via online with a very affordable price. Just type "backpacker hotels" do not forget to mention the destination country in search engines, and then the list of backpacker hotels listed options instantly, complete with its rate and form to make booking a room at the desired date. You also can also do a little research on the Internet to find the attractions unique to attend later. Holidays became more efficient and memorable.

C. Finding the Best Eating Place
Opinion friends and relatives are still used to find a place to eat delicious and the best restaurants. Although reviews sometimes given less profound, sometimes assessment "delicious" alone makes us immediately want to try. Why not, find a place to eat over the Internet that would more fully? Currently culinary sites mushroomed along with the trend to eat "cheap". many culinary sites that can become reference material for those of you who want to enjoy the culinary tour, In addition to providing a complete review of the taste, these sites usually also provide an assessment of where and services, Suitable for a true hunter you food.

22. Building Capabilities Improving Network


If we realize how important the relationship quotient (the ability to build a network connection) to success, then there is no obstacle is in the business life, family, or social. To increase the Relationship Quotient among others:

1. Think positive
To improve the quality of relationships, friendship networks, and RQ, as a first step we must have positive thinking. We must always see the positive things in others that the person feels comfortable in touch with us, Automatic the quality of our relationships become even better.

2. Giving, rather than asking
When we want to build good relationships with others, then we should focus on what can you give to someone else, not what we can get. When we focus to give time and attention, then that person will feel valued. Automatically relationship quality will be better. However, we must remain vigilant so that we are not always used negatively.

3. Respect
Initial step so that we can build relationships with others is by way of respect. Before we respect others, the first person to be respected is ourselves. How do we begin to appreciate ourselves is to appreciate the power and significance ourselves first. As long as we just saw and look at the negative things in us, we can’t start appreciate. Similarly, when we want to respect others, we have to do is think positive. Look for the positive things that are owned by people who want us to appreciate it.

4. Establish communication
When we learn to communicate openly and what it is then life changed. To improve the quality of relationships with others in a way to communicate, learn communication techniques and listening techniques, and then we will have the opportunity to further improve the quality of our relationships. Do not forget to say 3 magic words: "Thank you", "Sorry", and "Help".

5. Trust
Trust (trust) is important in establishing a relationship. Without mutual trust, the relationship will be peppered with suspicion, anxiety, and fearful. We can’t build a good relationship with our without beginning to believe. Instead, be a person who can be trusted through words, deeds, and our consistency, so from now practice ranging from the immediate environment, such as family, friends, friends, and the general environment. The more you practice, the more awakened our integrity.


23. As Is Quality and Human Resources Criteria Good?


Sometimes, in a company, it often feels there inter section walls. Ideally, the human resources is authorized for this bridge. However, what if it should become part of this bridge is cut good relationship? Donna Turner, Human Resources practitioner expert, explains, Human Resource Management is actually a process of dealing with various problems on the scope of the employee, employees, workers, managers, and other labor. This management can present to support the activities of the organization or company to achieve its intended purpose.


At each office or unit is part of the usual care Human Resources Department. Well, the operational function of Human Resources management itself becomes the basis of HR management processes efficient and effective in target organization or company goals. The operational functions are divided into five sections, namely:

1. Procurement Function
Dealing with the withdrawal process, selection, placement, orientation, and induction to get employees the company needs (the right man in the right place).
2. Function Development
Manage the process of improving technical skills, theoretical, conceptual, and morale of employees through education and training.
3. Compensation Function
Provision of remuneration to handle direct and indirect form of money or goods to the employee in return service (output) to the company's employees
4. Function Integration
Regulate activities uniting corporate interests and needs of employees so as to create harmonious cooperation and mutual benefit. The integration is an important and complex in human resource management because it unites two aspirations or interests that could be conflicting between employees and the company.
5. Maintenance Functions
His job taking care of activities to maintain or improve physical condition, mental, and loyalty of employees in order to create long-term relationship.
Thus, it can be seen that the Human Resources function is not merely the traditional functions of administrative activities, dealing with employee recruitment staffing, Coordinating conducted by the personnel only.


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

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

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

B. Prove and Consult
If you feel the Human Resources Manager is not doing a good job, or even abusing their authority, there is a good idea to put the proposal is supported by objective evidence and rational reasons. That way, you are considered a strong proposal for consideration. Consult your problem with those who understand HR issues and HR management. So, before you go to propose an audit, you are sure that the steps are correct.
Typically, before any formal steps, will be informal steps or mediation between employees and the HR. This can be done through dialogue forum or another forum based on good faith to resolve the issue with both goals for the interests of all parties.

24. Why You Need Family Life Insurance


Lately, we often read and seen media coverage from print and electronic media about the series of accidents that occurred in some places. Not infrequently, in addition to grabbing the soul, the accident also resulted in the victim must undergo hospitalization. In addition to making sense of grief, of course, the disaster financial need is not quantity in order to recuperate some of the victims.

At the same time, the plague was scattered all around us, when the threat of Dengue Fever became a regular at every turn of the season, other diseases also emerging, one of which is disease that causes a lot of people who have to undergo hospitalization. As a result, many families have to spend huge cost to the process of recovery in hospital.

Departure from the second incident, every family should begin to realize the importance of anticipating unexpected events with protective measures. In this context, I want to convey about the urgency of the purchase of health insurance policy for each family in order to protect every member of the family from unexpected events in the future.


Dynamics of Health Insurance

In cooperatively, every employee who has status as permanent employees generally could've been provided with health insurance package from the company work. That need to be a reflection, every family head should begin to count, whether the scheme and the ceiling of the company's health insurance is sufficient to protect the health protection requirements for each member of his family?


When the health insurance scheme of the company not sufficient, each family should think about purchasing a life insurance policy individually, generally, health insurance policy provided by a limited company and applies to a wife or a husband and a maximum of three children with a certain age. If you are an employee who has a child more than three, or will be moved to the specified age limit, of course there are family members who do not cover too. That's why you need to equip ourselves with the purchase of health insurance by individuals so that all your family members get the maximum protection.


How did the other professionals who are not protected by health insurance policy from the company? Of course they have to think about since the early to protect themselves with health insurance. They may be his profession as artist, diligent certain professions such as freelance nature photographer, the merchants, shop owners or other professions that are not inherent in the company.


To avoid huge expenses due to the emergence of disease or accident is not expected, should every family in this profession to immediately start thinking just to protect themselves through health insurance. In general, almost all life insurance companies have a health insurance product. More than that some of which sell several types of health insurance, Life insurance industry realized that the elements of health and fulfillment is an important aspect of family life and society, so they compete to provide products and quality service.

Of course, this condition is very profitable for every family or individual to make choices according to the needs of products and their financial capabilities. High degree of competition among the insurance industry in providing health insurance policy would certainly encourage the emergence of products quality, and that makes it easy for prospective policyholders to obtain health insurance products and best fit their needs.

Various general insurance companies offer health insurance policies which have similarities in terms of product and its benefits. What should be noted by every family is a comprehensive aspect of the program offered. Should, have taken products include coverage for (1) father, mother, and children; (2) all types of illnesses, both outpatient and inpatient care, including critical illness and disability; (3) operating costs, consulting doctors, cost of hospitalization, and medicines; (4) labor costs, both in normal and Caesarean.


Pragmatically, the insured or policy holder does not need to pay anything when it comes to treatment, during treatment costs are still within the limits of coverage are borne by insurance companies. Policyholders also have many choices for health insurance providers have worked with many hospitals and clinics, according to the ceiling scheme funds in a life insurance policy the insured.

Considering the cost of hospital care will be more expensive to the future now is the time for every family to have a health insurance policy to protect any family members from a variety of unexpected events. You do not delay and immediately contact the nearest insurance agent. Then, discuss with them about your health insurance needs and the family. Make sure your family's health protected, and all were preceded by anticipatory steps to protect you in them via the purchase of health insurance policy.

25. Love and Protect Financial


One of the most coveted happiness of all people is loved and loving. Therefore how lucky and happy you have found love from the people you love something that everyone coveted. These people could be your children that some of its future Creator entrusted to you. Your spouse, a figure who faithfully trooped along the travel path of your life with your spouse and family knitting educate children.

Ensuring that the people you love will not be destitute and impoverished in the days to come, even after you left them. Guarantees to be one manifestation of your love to those you love, the people are very important in your life. As with life insurance policies one of the financial instruments requires a lot of expertise in managing. But quite simply, a life insurance policy is a mandatory financial products you buy when you have people or things you love.

Life Insurance help you make sure that the people who loved would be protected. If you love them and want to ensure that their financial needs will be met, not postponed, it is time to protect your love. If you are a businessman or a senior leader in a business and enterprise, then you can be employer your second family. After many decades even you build a company with difficulty. Life insurance policy can provide the assurance that your business will keep running even though you had died.

Your employees are an important part of all this trust and believe in your company's goals. Employees also work with efforts to achieve your goals through your company. They need to get insurance coverage, including dependents family which your employees. Buy a life insurance policy to the people you love, I can tell, one that is very important for you to ensure the financial future of the family, especially on hard times full of uncertainty.


26. Insurance Benefits


Life insurance can represent mutual need between life insurance companies with their policyholders. On the one hand, when the policyholder to pay premiums according to the procedure, then he got the advantage of application of protection for himself to the fullest. On the other hand, in compliance with policy holders pay a premium for the company to produce profits for Life Insurance premiums collected according to the plan and its accumulation can be managed optimally.

What happens when the policyholder is not doing his duty well? When concerned not continue to pay premiums in the second year, he was stacking potential losses. He escaped from Insurance protection if he experienced an unexpected event such as accidents or died. Life insurance companies lose money when the insured did not do his job properly. In calculative, new insurance company can achieve cumulative benefits when the policyholder enters the fifth year of its obligations in paying the premium. That is why the premium payments stop prematurely could lead to losses for the Insurance companies.


Deciding wisely in
In empathic, there are two important ideas that can be delivered and can be taken into consideration for you as prospective policyholders, before you make a purchase execution of various life insurance products.

First, before deciding to buy a particular insurance product, make sure that you have a priority purchase of a single insurance product, among the various products available. If you feel that the cost of the school your children to the front to be a significant need, consider the wisdom that you need the main thing is education insurance products. Conversely, if you're more concerned with safety aspects of working and trying, make sure that your choices are primarily health insurance.


Consideration of this priority scale may allow you to place the allocation of premium payments as a primary requirement that the premium amount can be accommodated from the income you earn. This step can reduce even eliminate the risk of failure to pay premiums in the middle of the road. Second, do a careful calculation of the ratio of premium costs to the amount of your income. Proportionally, whatever the payment scheme that you do, you should be spending for the allocation of premium payments on a maximum range of 10 percent of total revenue. In this way, you can avoid the risk of failure to pay premiums.

Considerations that can be delivered may be a consideration for you. Even more essential, you who know the priority needs in terms of buying insurance products. You also understand how much your ability to allocate some funds to pay life insurance premiums. That is why, remains the best decision in your hands.

Should, the allocation of premium payments should you spend does not become onerous financial burden! Instead, through the protection contained in the products you buy insurance, the insurance premium you pay for it can ease your burden in the future. In essence, you get protection and life insurance companies have repeatedly payment, so that all parties gain the maximum benefit and mutual benefit.

27. So it's time Insurance Agent



Every year, many universities continue to bear the new graduates. Post graduation, they title as new labor force and prepared to fight a variety of positions in various corporate jobs. The expectation is to get a job based on education and income compensation was adequate. In fact, competition is fierce to get a dream job always been experienced by every new work force.

As one of the business entity that continues to grow from time to time, the insurance industry requires a professional manpower supply for various needs. Administratively, life insurance companies require workers to support the professional work system in the back office operations. On the front lines, the life insurance industry also needs the labor supply title 'fresh blood' for the plays as insurance agents professional.


Options Profession
And industry association hopes to increase the amount of the insurance agent of 500 thousand people in 2010. This quantitative increase is certainly must be accompanied by an increase in quality of service to the community. This condition is a great opportunity for new labor force to pursue the profession as a life insurance agent. Several times a Top Agent Award event held by the Life Insurance Association led to the positive impression that the insurance agent is a profession that could be a prospective option for young professionals. At least there are three main reasons underlying these assumptions.

First, public awareness about the importance of insurance began to show improvement. They began to realize the importance of protecting yourself and your family against a variety of financial needs in the future or events / unexpected things through the purchase of various insurance products.

That way, they can avoid big expenses to send their children at all educational levels, the emergence of high costs in case of illness or chronic disease, and the anticipation of other events. This condition is a positive atmosphere for insurance agents to prospects, consult and close sales with customers or prospective policyholders.

Second, various unforeseen events or misfortunes often happen in the country, Natural disaster, earthquake, accident and the emergence of epidemic diseases into a separate stimulus for the community to protect yourself as soon as possible with life insurance products. This is the perfect time for insurance agents to dedicate its function as a consultant for the community to obtain life insurance products that fit their needs.

Third, in addition to life insurance products in which an element of protection for our customers, the life insurance industry is now also offers a variety of insurance products that contain an investment element, such as unit-linked. This product innovation intense enough to get applause from the public, such enthusiasm should be addressed as a good opportunity for agents to penetrate insurance products.

Philosophically, the agents do not just serve to close the sale of its policyholders. More than that, they positioned themselves as long-term financial consultant for our customers. When insurance policies are purchased the customer was up, it does not mean the task is complete agent.

From then on, they have a duty to consult and foster good relationships with our customers. The agents were satisfied when customers served well and they get protection in accordance with the agreed scheme, this momentum to make the public trust insurance agents to increase.

Conducive diverse and vast implications of the open insurance market has certainly bring financial compensation to the insurance agent who managed to get customers, The key, the more intense the agents to equip themselves with skills and knowledge of insurance marketing, sales techniques and customer service code, the opportunity to get even bigger customers. Of course, the insurance agent must be persistent in working and being a good consultant for potential customers.

This is the time for a new labor force to determine the quality professional choices, whenever a growing labor force from time to time, any life insurance sector requires hundreds of thousands of qualified manpower for the profession as a professional insurance agent. In essence, the profession as a life insurance agent can be a prospective option for the new workforce. The insurance industry began to show its role as a provider of quality employment.

28. All Professions Need Protection



Along with the increased competitiveness in the various lines of business and various professions everyone involved needs to have its own ability to be successful. Work demands the maximum effort as efficiently as possible to the ideal jargon in every field of business. On the other hand, the more competitive services or products sold, the greater the odds of finding a niche market wider, The success of a product or service penetration in the market by qualified professionals are always some risk unexpectedly.


Anticipate Risks
For a moment we contemplate, the success of professionals in support of successful penetration of services or products on the market is always risky. That is, there are many unexpected events and can be fatal behind the interconnected processes between product, production process, and the people involved in it. Have implicit in our minds as the professionals, who are the spearhead of marketing a particular product, have an accident? In fact, what happens if the accident claimed the lives of the best people in the company? Ever thought of when employees are labor-intensive firms sudden onset of toxicity and some of them died?

Reflection that leads to a protection mechanism that can protect anyone and in any event in which is full of unexpected risks, In this context, life insurance products to be ideal partners in providing protection for various professions to unforeseen events in the future. Individually, anyone who bought life insurance products will get protection from various events in the future. A clothing merchant, for example, what if in the midst of business suddenly burned stores, and the incident took casualties? Or, what would have happened if the aircraft experienced a fatal accident and the passengers are not protected by life insurance products?


How did the journey of family life pilots, co-pilot and flight attendant after the tragedy, if they do not get the protection of life insurance? In cooperative, company or any entity which is to protect employees must be protected from the emergence of a large cost when things happen unexpectedly, such as cases of accident or death of the employee. Cooperative scale, what would happen if the company does not yet include all employees in the insurance program? Moreover, the empathic consideration of several examples of these casuistic family conditions in the future after the death of the victim.


Sequence description above prove that the various professions require any protection for the record, as a professional, whether employees, employers, or the entertainer to take life insurance products. Actually there are people nearby who participated enjoyed the effects of such protection, the husband, wife, or children in question, called the insured. The diversity of the profession with the support of various life insurance products needed to create a sense of comfort for the three different entities.

First, the insured can work optimally without worrying about risks that may arise as a result of routine and complexity cultivated profession. Second, the family concerned can think calmly as he continued to hope that the insured can perform optimally and achieve career better from time to time.


Third, if the insured employee of a company the entity that benefited from the company where she worked. Displayed protection in cooperative can reduce costs significantly when the companies concerned have unexpected events during the task of running the company. Or, if the insured is an entrepreneur or a true entertainer, he can get the maximum protection against unexpected events in the middle of cultivated profession. When an insured is committed to allocate some money to pay premiums on a regular basis as it also concerned the long-term benefit, Life insurance and protection in it, should be part of the existence of various professions, so they are protected financially from the unexpected.

29. Life Insurance in the Economy


Reflecting on the experience of past years various challenges and burdens that we experienced last year. The number of natural disasters that are katastropis such as earthquakes, tsunamis, floods, mountain eruption, disaster or accident at sea transportation, air and land, increasing number of diseases. Is there a safe place for us? It seems we do not have much choice and must continue to deal with risks due to various disasters and losses due to various disasters in the coming days.


Another thing that is important and fundamental and can’t be avoided, we must deal with the risk of death in childbearing age, disability, and old age. Risk is also relevant to the condition of the current economic crisis is the risk of losing their jobs. All the risks that threaten loss of revenue earned for the family.


Do we want to own guarantee losses we will suffer when the disaster happened? If we bear him-self as the chosen path, how much our ability to cope even if there was Janine Amos Do effective way or we wisely shifted the risk of loss due to these financial institutions called the insurance money, insurance universally working to provide protection to every person, family and firms from losses due to various risks disaster and misfortune, This is a great social contribution of the insurance industry to the community.


Trillions of dollars of money the insurance sector, the coverage provided to give protection to such risks and misfortune. But only if you are willing to transfer the risk of losses through the purchase of new life insurance policies and protection mechanisms and it can enjoy helpful. These companies offer various insurance the products designed to meet the needs of society. Many products designed to protect customers from the economic risks associated with the death, disability and pain.


Other products can also help customers to accumulate money for their financial future, increasing wealth, accumulate wealth, and protect them from the risk of losing the sources of their income. The insurance industry is working to provide protection for losses such as loss of income due to bad events and risky. Company-life insurance companies are financial institutions that collect funds from the public in the form of premiums and then placing those funds in financial assets such as bonds, stocks traded on the exchanges, bank accounts, deposits, mutual funds and others.


It's time fulfilling the needs of the national capital market investments completed by domestic investors like insurance companies. That part of the industry contribution to assurance economic and social communities and state. That is, while we all get the protection of insurance policy that you buy, at the same time we contribute indirectly to allow mobilization of public funds to be reinvested by the insurance companies in the economic system, Investment insurance companies providing the funds needed by the business to operate and expand the business. Therefore, this is the time for all parties contribute to the national insurance industry is more developed in the implementation of financial protection and the business community, As well as intermediaries and sources of funding for the business world for the sake of national economic progress.

30. Understanding the Regulation of Mutual Fund Products


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

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

Separately, investment managers and custodian banks provide separate reports for the managed investment funds to the Capital Market Supervisory Agency and the financial institutions on a regular basis. If the consideration of the Capital Market Supervisory Agency and Financial Institution, one of the parties are considered incapable of doing his duty, capital market authority has the right to order that mutual funds are transferred to another party to protect you. In addition, there are other parties that a mutual fund dealer. Usually, banks charge to assist the investment manager to market the mutual fund units to investors.


31. Great salary But Keep Out


Difficulty saving generally occurs because a family does not set priorities in the use of money. In fact, almost always we assume that all household expenditures are important. If you try to make a detailed list of expenditures the amount could reach even tens of dozens of expenditure. There are non-essential spending and all must be paid now.


If we only focus attention on how to pay for current needs, so whatever money will never be enough. Understandably, we want fast-paced, always wanted to enjoy everything right now. So if you have to save, which means delaying the pleasure to consume today for a better purpose in the future, we are tortured and our lives not only today but also tomorrow.


Currently we have an income, life was going pretty well if not exactly mediocre. We have always argued that there was nothing to worry about, yet receive salaries next month again! And so you pay more months the same thing happen again. Salary is gone before his time. It's called "rat race" or the rat race. That's about the human image that worked hard, but was never able to collect wealth for his hard work, because all income is spent out at the moment.


So if you and your family continue to pay for the time spent alone, your family will most likely end up with not having anything. You and your family are advised to prioritize the use of family income for the first save in advance of paying expenses other households. Do not save the rest of the income, because it's hard leaving money to save. Try to be saved with the amount of not less than 10 percent of family income (you and your husband).


The savings rate is the ideal family is 30 percent of family income. Perform cost savings to spending your life not greater than income. Avoid using credit cards for shopping, because it will encourage your family to be more consumptive. So you should no longer increase the amount of debt in any form to all the debt is paid off. Stop using credit cards and pay all discipline in debt repayments, If you need to close two of three credit cards and keep one just in case. With patience, eventually all of your debts will be paid off, too. Little by little debt repayments that have been paid off can be diverted to increase the savings deposit.


To help you disciplined in saving the cost of living, then you need to understand the things that triggered the family to be wasteful. Each different family triggers, such as a trip to the mall, eating in restaurants, discount offers, advertisements on television, persuasion friend, kitchen shopping, hobbies, education costs and others. Find trigger a waste of your household expenses. The way to reduce the frequency of trips to the mall, watching less television, eat less in restaurants and so forth. By reducing the frequency of visits, activities or consumption, will help reduce our expenses. There are many savings ideas that can help you in controlling expenditure. Do it with all members so compact and hand in hand to reach the family's financial goals.


32. Want to tour the Budget Minim



Have been successfully with execute one stage of building a foundation of wealth which is used to save money. However, for the financial success you need to take steps to financial planning from now on. Thus you can achieve short-term financial goals, medium and long. First of all, set financial goals for the future are specific and measurable. For instance, took his wife and children on holiday by arranging the agenda since a few years ago. Find out how much it costs required to full-fill that plan. The goal, so you can estimate the amount of funds should be set aside each month to achieve these financial objectives. Customize with your financial situation today.

If you have financial goals more than one, such as preparing children's education fund and buy a vehicle, then you should set financial goals according to priority level of each. Be careful not to put a vacation destination on the goal to prepare children's education fund, before the financial goal is reached, try my best to not "tempted" to use your funds for anything else.

To avoid the emergence of "needs" an unexpected, try to identify all your financial needs and family in the future. Make a list at random, and then arranged according to priorities. Well, prepare funding roads or vacation is not a difficult thing, depending on how strong your intentions. But a strong intention is not enough, because usually there are many temptations in the middle of the road during the process of raising money to prepare for this holiday fund.

The first thing to do is to determine how the funds are needed for a holiday vacation to a place that people want and when you want to go on holiday. Information about the amount of funds this holiday you can get from various sources such as Travel Bureau, from your friends who've been there before, the Internet and other information media.

Usually it would be cheaper if you prepare everything themselves than by following a tour package from Travel Bureau. On the other hand you are freed from a large number of hassles that you need to go through if you prepare yourself. By knowing earlier that the amount of funds needed vacation and when you will go, then you will more easily adjust the strategy or how to collect them.

33. Secure Investing in Stocks Fall As


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


Well, the issue is currently being volatile stock market, after the stock index fell by 10.38 percent, of this blow to its investors, including you. What should you do in situations like this, do not panic. Do not just take off the stock you have. Respond to market conditions is fine, but should you have to have a guide or handle first, so when the time you need to sell your portfolio in stocks, please sell, but stay out of.


Code or handle by which I mean here is the determination of the investment plan. Is the short term, medium or long term. From the beginning you also must specify the desired investment growth, for example, 20 percent within one year. Or you want the benefits of growth are higher in the long run. Say, for example, you put 30 percent of funds in savings, bonds retail. Then another 30 percent are placed in private, and another 30 percent are placed in the instrument or mutual fund shares. But still based on investment growth was desired.


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


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

34. Difference Money Market Fund and the Permanent



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

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

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

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

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

Second, Fixed Income Investment Fund, which the Investment Manager will invest the majority of investor money into the 80% investment products fixed income, especially in bonds. The remaining 20% is invested in money market instruments or bank products such as savings and deposits.

The level of potential risks including middle category Fixed Income Mutual Funds likely conservative Fixed Income Mutual Funds suitable for you who expect a fairly steady income from the investment stable and not too volatile. Fixed Income Mutual Funds also suitable if the placement of funds between one to three years, for those within the Fixed Income Fund has the potential to provide higher returns than RDPU. But in the long term increase, such as 10-year term time Fixed Income Mutual Funds not rise as high as the increase or Mixed Fund Mutual Shares Fund


That's less than the comparison of characteristics of money market mutual funds with fixed income mutual funds. Meanwhile, two types of mutual funds are, as follows: Third, Mixed Fund, which the Investment Manager will invest the money to investors in stocks and fixed income instruments, each with the composition of investment allocation roughly equal, 50 per cent: 50 per cent. Fourth, Mutual Shares Fund, which the Investment Manager will invest the most money, or nearly 80 percent in stocks and the rest incorporated into fixed income instruments like bonds or money market instruments such as savings and deposits.


Well, have not you imagine? If the mixture Fund has medium investment risk tends to aggressive, While Stock Fund has an aggressive investment risk. Both types of mutual funds are appropriate if the funds are placed in a Mutual Fund and Mutual Funds Mixed Shares will not be used in a long time. For example 10 years, means have to invest for the long term. Because stock prices fluctuate in the short term, however tend to take hold in the long run. The increase in stock prices in the long term potential is higher than the price fixed income instruments. But be careful high return worth the risk too high.

35. Unique Customer Understanding


Each customer's customer or prospect is unique. They have the demand and needs of different life cycle stages according to where he is. For that, there are customers who only need a type of product or service for the protection of wealth (wealth protection). In addition, there are also in need of products or services that can double the wealth (wealth accumulation). In fact, someone who needs your product or service that wealth can be channeled and passed on to their heirs or the next generation with good and fair (wealth distribution).

However, no customer or prospect a customer that requires the whole of the financial planning process. For that, the quality of competency required by a priority banking or wealth management officer can not only limited ability to sell and offer banking products only (asset liability product or product).


However, they also demanded knowledge and mastery of a comprehensive starting from the priority customer financial goals, risk profile, the expected return, asset allocation to how that all customer property or customer prospects can be distributed fairly to all heirs. Talking about wealth management certification education are very large, the wealth management arena includes a variety of disciplines. This means that the product development strategy, information technology or procedure can be more easily applied.

However, problems of education quality improvement strategies and professional training for priority banking or wealth management officers could reach the level officers as a wealth manager is something that not only require large investments, but also very time consuming. Therefore, in order to educate and train qualified human resources and a professional not an easy job. This process requires a big commitment and strong from top management level to low management. It also needs to be addressed in a comprehensive and focused on Human resources who possess the qualifications in the field.

However, despite all the opportunities and challenges faced, strategies of education and professional training in the field of financial planning to improve the knowledge and skills of officers of the priority banking or wealth management officers are absolute. The hope, we can more forward again and came out as winners in the era of global competition today.

36. Seizing the Market Through Product Variations


The Players to do financial services markets and priority banking is why marketers more easily accepted foreign customers. There are several reasons and causes, including: First, the products offered. Today, the variety of products and services owned and offered by the financial services sector in other countries should be recognized more varied and attract investors. Their products are Judge more attractive than owned and offered priority in the domestic banking.

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

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

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


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


Apart from these conditions, to deal with specific cases and potential customers face a difficult customer and was well assured educated, trust officers to priority banking or wealth management officers will be obtained if the officer is able to show and have the quality of professional competence as wealth managers, because a wealth of professional managers capable of providing comprehensive services to customers or prospect customers ranging from stage to collect data and information to make recommendations and review (review) the wealth management on a regular basis.

37. Identifying Potential Giving Fund



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


Usually when we use his own money, then the next funding is borrowing from the above three individuals. Well, we are also able to fund loans to credit without collateral and credit cards. But, it takes a high interest rate, no extra costs and need credit history (credit checking). For that, the borrower can provide competitive rates to attract loan. Money from friends, relatives and acquaintances were there, and they usually do not do credit checking, but preferred working relationship. Also, funds can be given quickly. In addition, payments to the borrower's actual return could be arranged flexibility for funds approved by the poster.


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


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


How to identify potential funders?
- Brainstorm a list: friends, relatives who have the money, as well as colleagues and old friends from school. Although 50 percent of the possibility of there from peers and relatives, 50 percent were coming from old friends who are successful. 'So expand his list. Do not hesitate.

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

- Trust: The funder people must believe in us.

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

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

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

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


38. Starting Business with Own Money



After knowing wealth management, this time we will discuss about creating wealth. If we ask a broad audience, from which and the beginning of a big company to start business today, most people would answer from the bank. This opinion is wrong, because if reviewed deeper, turns out they started with their own money and loans from the people around him.


Some examples mentioned, Sam Walton, Wal-Mart founder, started his business by borrowing from his father-in-law of U.S. $ 20,000 and U.S. $ 5000 own funds to purchase a retail store in 1945. Now, Wal-Mart is the largest retailer in the world. In addition, Berry Gordy borrowed $ 800 from members of his family in 1959 to start a business in the music recording industry (music recording industry), and then to launch Motown records and developed into the largest company owned by blacks in the history of the United States.
There was also Fred Deluca. Initially, he did not have the money to go to university. Then, he was given a check by a family friend of U.S. $ 1,000 to open a sandwich shop. Currently, the Subway sandwich is the largest submarine chain company with more than 21,000 restaurants in 75 countries.

Furthermore, Leslie Wexner borrow $ 5,000 from her aunt (because arguing with her father about the family company that specializes in clothing shop). Finally, he opened his own shop with the name of Leslie's Limited. Today's Limited operates 5600 stores and shops generate revenue of U.S. $ 10 billion per year.


So it started business success is not from the bank, but from his own money, given or borrowed from relatives, friends, and acquaintances. Apparently they are to create wealth from the people around him. In this context discuss the loan from the around us, not the business with his own money. This can be called a personal loan. How can we raise capital through a private loan to start a business?

There are three sources to obtain personal loans, ie relatives, friends, acquaintances business and angel investors or investors who really help without anything in return. These three individuals are seen loans of different ways by each of them. For example, brothers basically wanted to help, while a friend (return and help). However, acquaintances, essentially wanted to get a high return.

39. Providing Added Value for Customers


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

In the financial services industry consists of some markets such as financial markets (banking), capital market (securities companies), insurance market (life insurance / general and social), as well as financial markets (multi finance or leasing), the impact of globalization is happening. We can see the integration of the products offered by each of these sectors, so that ordinary people is difficult to distinguish between banking products, capital markets, insurance and others. Today, when we read the news, information or press releases issued by the company, interesting to be listened to is the almost the entire board of directors is proud to claim:

First, the company's world-class standard, whether it's because of capital structure, or because the total assets and total market share obtained. Second, the company has a quality product and a diverse variety of products and world-class standard. Third, the company has information technology systems world-class standard.

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

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

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

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

40. Let's Protect Your Money



Many ways to protect the money you have. One of them, beware of tempting offerings through banking transactions. Rather than to profit, so your money can actually float. To avoid fraud bank style, there are some important tips for transactions via the Internet (e-banking), mobile (m-banking), phone (phone-banking), or even via SMS (SMS-banking) that you do run smoothly and not misused other parties. Before the trap of deception, you make sure there are some good modus operandi in the field of banking crimes:

1. Telephone Fraud
This mode is usually done by preaching to you that you get a reward, the unfortunate family, or expressed interest in the advertised goods. Based on the caller it will guide you to the ATM and follow the instructions guide you through the phone.

How to avoid: First checks the caller's identity. Immediately close the phone and check the information you receive. For most companies do not ask for lottery organizers winner of transfer of funds to the company's organizer. If you receive a call telling me there are families affected by disaster, do not panic. Stay ask the caller's identity and do checks. Well, if you put an ad to sell or rent your assets, be careful of callers are very easy to agree with the price offered and promised to transfer some money as a sign to be.

2. Email scams
There are times when you receive an email that seems come from banks and seemed genuine. In this mode criminals ask you to input your account number and PIN number. Another way is to create a website address of your bank that seems real but is actually a fake website. Usually you will be asked to enter the number of account your PIN number in this website is the reason for updating personal data.

How to avoid: Never respond to emails that ask you to enter your account number (or user id) and PIN number. No bank may ask for personal data via email because the bank already has that information. If you go into the bank website to do transaction, make sure your website address is correct and you have the additional security procedures such as tokens, in addition to the user id and password.

3. Fraud through investment in return for very high interest
In this mode of investment companies typically offer the promise of providing very high yield. Be careful, because a number of proven supply many do not meet the yield as promised.
How to avoid: Ask yourself whether fair compensation is a very high interest rate on investment is. Make a check on the credibility of a company that offers investment. Make sure you're protected from the law before deciding to make an investment.
4. Fraud using credit card on the Internet
We have more and more shops or merchants that offer products and services via telephone or the Internet with the ease of paying by credit card. You only asked to name the credit card number, validity, and three-digit secret code printed on the back of your credit card and the transaction was done.
How to avoid: Make sure you understand the products and services offered by the store or merchant, and understand the terms and conditions of the goods or services offered.

5. Forgery call center phone number bank

Perpetrators are usually made like your bank ATM machine broken and swallowed your card. Because panic without knowing you will call the number of false call centers around the ATM machine. Usually players will ask for your PIN number, and armed with these numbers, the perpetrators will drain money.
How to avoid: Record number of 24-hour bank where you become a customer. Never give your PIN number because the bank will never ask customers PIN number. Now, by knowing this number is expected modus operandi of the crime you avoid banking and money you're protected.

41. Avoiding the Trap Tips Speculative Products


Investments that promise large profits are very lucrative. But do not be fooled usually a large profit even greater risk. Product types discretionary fund, which smelled speculative, for example.

Such products can’t 'play' the laity, must truly understand the ins and outs of the rules. In addition because there is no standardization of the investment, product stewardship is also very weak. For offshore products from overseas, investors Lehman Brothers, too many trapped as bankruptcy of U.S. financial institutions is due to hit the global financial crisis. Products issued by Lehman had been considered the most secure because there is no guarantee for the capital invested, so people do not think it will incur a loss if the fund invested in a product called the capital guarantee. But in fact, now many investors are losing money because the funds can’t be disbursed. This loss, not only suffered by outside investors but also domestic.

In order for the investor no longer trapped products 'miracle' is, Sulad reveal tips that can be undertaken before investing money in hand:

1. Studying Risk
In the investment world, the technical term high risk high return and low risk low return. Risky investments have a big advantage, and vice versa. The question in this case is how much risk can be managed by the investor. Therefore, investors should really learn who will bear the risk if you want to an investment on a product.

Prospective investors should be cautious and critical, and understand the right product that will buy. If you do not understand do not try investment if you already understand anything, the investment should not be massive, but gradually to know the prospects of these products. For a simple investment and the set was still there despite the risks small. Deposits, for example, although the risk is low, depositors still have to jelly against the banks that offer high interest. Do not be fooled high interest, but the funds in the bank are not insured by the Deposit Insurance Institution.

2. Return on Investment (Return)
Investors should look at the results of the promised investment banks or investment managers. If there is to offer high investment returns, investors should be careful with the possibilities behind these offers, since most investment in this type of lying to investors. For example, spacecraft QISAR and investments that offered a 2-3 percent per month in dollar denominations.

3. Legal Problems
Legal issue must be considered to avoid the investment was not protected by the law or the rules, so that the investors own expense. Investors should invest money on products that clearly rules as mutual funds or stocks that regulatory in the Capital Market Supervisory and Financial Institutions. While discretionary fund similar products contract rules apply only between the investor and institutional publishers, and are not protected by a qualified rules, so that supervision was weak.

Protection of client or investor minimal because there is no guarantee from anyone, if loss investors will bear the loss themselves, So investors have to really understand the investment manager who issued the product board and its shareholders as anything. If in doubt, investors should withdraw its investment intentions and find other products more secure, such as government securities, bonds Retail, Certificate of Bank and so on.

42. Discount Season, Caution Do not indiscriminate Swipe Credit Cards

It is the custom every year-end shopping centers held a discount or clearance. If it is not hard faith, hundreds of thousands, even millions of dollars could be floated to buy stuff that is not necessarily required. In order to get the goods at a discounted price, not a few consumers who bought up by using plastic money credit card alias. Friction stay, things already in hand.

Indeed many of the advantages of using credit cards. But certainly not the only benefits are to be seen, the losses must also be on your mind, plus tips on how to use this magic card. Bank will disclose it to you. Benefits Using Credit Cards
- Transaction is more convenient, no need to carry cash.
- Not afraid to accept counterfeit money.
- No need to spend money on the spot.
- Useful in times of emergency, when cash is not available
- Goods may be repaid desired
What to Look Can Have Credit Cards?
- Take advantage of cash withdrawal through ATM with a credit card only in emergencies only.
- Avoid the habit of paying the minimum amount due may be subject to greater interest.
- Contact the credit card companies if you have any questions, comments, or when you begin experiencing payment difficulties.
- Collect the sales draft. This is necessary to prove if the number of different invoices with a value of shopping.
- Pay the full bill before the due date to avoid late fees and costs that are not desirable.

Wrong and right about Credit Card
- False: credit cards give extra money.
- True: credit cards instead of cash only. Each time you use the card, you must make a payment.
- One: With a credit card can spend more.
- Right: Using a credit card payment is delayed.
- False: There is no imposition of interest provided that continue to pay the minimum amount each month.
- True: Interest will be charged on the bill if only pay the minimum amount each month
Clever Tip Credit card:
- Have a credit card number is required only.
- Always check the list of transactions listed in the monthly bills.
- Limit your credit card limit to your needs and your ability to pay
- Avoid using a larger interest in paying more than the minimum
- Use your credit card wisely. Do not let the main needs were sacrificed to unnecessary consumption.


43. What is a Derivative Transaction Banking?


These days we often hear the term derivative transactions or structured product in the world of banking, actually what's derivative transactions? Well before we know the derivative transactions, It's good we know some of the types of transactions in foreign currencies.

First, exchange transactions today, the transactions performed on the same day by using the currency movements on the day in question.
Second, tomorrow exchange transactions, or commonly called the transaction "Currency Tom". Well completion of this transaction done on the next day. For example, on this day you buy dollars, and then the completion of the transaction (settlement) is done the next day.

Third, Spot transactions, this transaction settlement two days later. Well, for foreign exchange transactions conducted over two days, called the derivative transactions. Period is varied, there are more than two days, one week, three months, even a year. Derivative transactions are also commonly called the transaction "forward".

If you've ever heard structured product, it is a part or derivative of the derivative transactions. Derivative transactions are given the option (option) is called a particular structured product. The choice variety, for example at the time of settlement later, there is the calculation of the agreed exchange rate, could also use a combination of interest rate calculations. The transaction is conducted on an agreement by the customer and the bank.
In this transaction, the customer should really consider the existing paper agreement. No one knows the future exchange rate is weaker or stronger. That determines how accurate is the customer's bank or to project how the exchange rate so that if there are losses in the future can be minimized.

44. Tips for You not Deceived in Investing



Before you decide to buy investment products (such as mutual funds), there are several things to note so as not to regret in the future. Here below, some tips so you do not be fooled investment products, which must be done first, look at who's making these investment products. If the product is a mutual fund, then find out about what the Investment Manager, see how the reputation and who the seller agent.

Second, investors should carefully read the prospectus. This is usually done lazy investor, when reading the prospectus is necessary step, because in the prospectus contained whom MI, the people who manage investments, track record, and whom the Custodian Bank. The most important Prospectus customers obtained at the time he bought a mutual fund.

Important step that must be considered to avoid you regret in the future is to consider the risk that you'll get. People are more likely concerned with profits (return) that can be obtained, and the exclusion of risks that may arise in the future. Risks related to the return. If a high return, the risk is too high.

Investment Manager for the election, you should really check whether the Investment Manager is registered with the Capital Market Supervisory Agency and Financial Institution or not. You also need to probe the extent to which the Investment Manager in providing truthful information.

To note here is that anyone involved in management, who Investment Committee, how to manage investments so far, how much it costs (fees) imposed, and whether the existing team in Investment Management manages investments with consistent or not.

It is recommended that investors look at how long the Investment Manager to act in managing the product. Because, the longer standing Investment Manager, the Investment Manager that is already through the stages of economic cycle in a country. He (Investment Manager) has experienced periods of crisis, Bulish periods (trend strength), so it has been tested in various conditions. Here are more valuable experience levels.

The last is how the performance of the Investment Manager. You can measure whether the achievement of your mutual fund products is above the composite stock price index or the same, or under the Composite Stock Price Index. How consistency of performance when compared Composite Stock Price Index? If the Composite Stock Price Index bulish, your mutual fund fell instead, it must be questioned.

45. Managing Finance for Young People



Identical with young hedonism, they seem unable to manage finances well, And since young people to manage the finance necessary to achieve financial independence, to succeed in a dynamic economic conditions the young generation should have the skills, knowledge and experience needed to manage personal finances and financial management knowledge in general. They must have the education needed to take the right financial decisions.


Citibank itself has begun a financial education program that can help hundreds of young people with knowledge of financial management so that the best chance to improve their financial welfare in the future. This was explained that the expenditure is generally influenced the younger generation of external factors. Global Youth Survey indicates, 43 percent of young people around the world are searching online in the decision to buy a product.

Meanwhile, 40 percent of them make a decision based on the inputs friends or family, and the other 17 percent make decisions based on media advertising. In the countries of Southeast Asia, like Indonesia, most of the younger generation generally spending for transportation, food, relationships, clothing and phone accounts. Most of them admitted spending habits they will change some day, especially just before they married. However, this recognition has not considered basic.

The program is carried Citibank independence is designed to build youth skills in various fields, including the ability to determine the short-term financial priorities, medium and long term, identifying the income and expenditure to establish and implement a realistic financial goals, and evaluate the ability in dealing with management issues financially.

46. Make money from Credit Card?


Credit cards have been considered to be prickly issue of financial breaker. The accusation is not without reason, but in reality because of financial penetration of credit cards is often the case. This was not separated from our bad habits in applying the principle of shopping. Credit cards may actually be beneficial if we could arrange that. One example of the benefits of credit card is offering discounted rates (discount) 25-30 percent in some restaurants that work with credit card output a particular bank. Discount it certainly gives an extra advantage for food lovers. In addition to enjoying good food, they also save expenses.


However, credit card users also need to pay attention or paid subscriptions administrative costs incurred from the use of credit cards. Sometimes, these costs actually boost our credit card bills. In this case there is a powerful stance for the user's credit card. They can contact the agent and ask for credit card acquisition costs (wave). Typically it can be allowed, because distributors do not want to lose customers. This is very bad in a year we could save several million.

Credit card users are only intended as a precaution could have two credit cards only. However, there is nothing wrong if you have many credit cards, even up to 10. Section, many credit cards that offer additional benefits, such as points that can be redeemed for services or a specific discount. In terms of credit card users can shop smart. In addition to credit cards, there are a few other small things that can break into finance, such as roads in the mall with no goal, parking money, SMS vs. telephone, drinking coffee at the cafe, hair care and beauty salon, club memberships and accounts that are inactive.

47. Save on Prescription Shopping Center Crisis


World economic crisis which is now plagued womankind helped lead to tighten the budget purchases. Why is tightening spending in times of crisis like this necessary? Of course to anticipate the needs of a more a priority, so Here are tips on how to shop briefly in the middle of a crisis frugal: Make a shopping list. Before you go, decide what you need, not what you want. Write a short list and make the shopping list as a reference, Remember, what you need, not want! But most importantly, discipline in what you write.

Prepare yourself before shopping. It is important to prepare yourself before you shop, such as eating before you go or carry discount cards / coupons required. In addition to saving you travel for shopping, preparation before you go is also an additional time for you to not forget the things you should take. Like prepare an umbrella before the rain, checking on the house before it left, as well as other preparations. Do not until you have to come back home only to turn off the stove before forgetting disabled.

Do not be tempted to not campaign in accordance with needs. Arriving at the supermarket don’t forget the shopping list that you prepared. Avoid buying goods that are not listed in the list, especially if it comes from wanted prize is behind these products. You do not put the product in the shopping list because they do not feel needed.

Bring enough money to meet the shopping list and anticipate "hungry eyes". If necessary, leave a credit card or debit card. This is useful if you have trouble holding the desire to shop more than a shopping list. Mediocre money in the wallet will help keep that desire. Similarly leaving a credit card or debit card, the problem, though the money you bring is not excessive, credit or debit card may allow you to add another list in your shopping list before.

Limit the time shopping. Besides the efficiency of spending, you also need to take time for shopping. The longer you're around, you will be more tempted by items not needed, In addition the quick return home after your shopping list are met will give lots of free time at home or doing other activities.

Do not bring the kids. Did not bring the children will help you to be disciplined on the shopping list. If bringing children, you must enter extra purchases such as small meal before you feel are not necessary, Instead of being cheap, but it's better to buy nutritious food and healthier than many snacks contain harmful substances.


48. Should Pension Funds Prepared from the Start



Perhaps your current age is still in the productive category. You are still able to finance the needs of families and can spoil yourself. But what if the age is growing older, 20 or 30 years ahead, when you are physically no longer productive again? Are savings in a bank account able to catch the exact value of goods will continue to rise every year? Calculate your balance back. If calculated with inflation growth of 10 per year and the interest savings that only 5 percent per year, you'll see the extent to which conventional savings in the bank has a strong purchasing power to offset future inflation.

The term applies to one's pension is already productive at a certain age, 50 - 60 years. But not a few people at this age are still working and earning a living because they do not prepare pension funds since they were productive. The period may be reduced productivity, but the cost of living continues to increase. You also may retire, but the cost of living will never retire important question that must be answered is how you prepare before you retire?
There are several options to prepare for your retirement funds, Business, conventional savings in the bank, or investment. Each has more value, including the following:

1. Business or open a sideline
Opening a sideline can be very profitable, because usually by opening a business can get great results in a faster tempo. But you should be ready with all the consequences of business. At least businesses should be prepared with a number of things such as:
- The growth in demand and supply (supply-demand).
- Production.
- Mental attitude such as patience, perseverance, and commitment that will determine the success of the business.
If the business of choice indeed the growth of the money will be very progressive, especially if you choose the business that don’t require such large capital consulting services, What is the value of the funds will be collected from this will depend solely on your business of doing business. Can be very large numbers, which means your retirement savings in the future also in line with the high-value assets and business productivity continues to grow.

2. Saving regularly
Each person must have a conventional savings account at a bank choice. For employees, the money set aside a percentage of salary for savings. This way only legitimate if more possible for you. But it must be ready to risk, namely:
- Declining purchasing power in the future, meaning the value of funds you have deposited in banks will not match the value of future needs.
- Taxes. If you save a hundred million in the bank, the government would cut taxes by 20%. That is, the value of the savings fund will decrease.
- Inflation with an average growth of 10 percent per year. This means that the next 20 years the value of your fund can not offset the high prices of basic needs. Since interest is in the range of only 5 percent, inflation is still not cover the needs.
- Attitude is not discipline. Many families set various expenditure items first, and then "rest" saved. This makes the savings are not optimal and likely to be sacrificed if there is additional expenditure beyond the routine.


3. Investment
Investment instruments may vary. Choose the most appropriate for you, whether stocks, bonds, mutual funds, insurance, or others who are long-term investment (long term investment). Talk insurance, savings products futures or current plan with an insurance feature. Thus, the target funds or desired planning can still be achieved despite the things that are not desirable. The value of investment at this stage to your goals, how much the value of pension funds that you want to collect in a certain period.
In essence, select the instrument that can foster investment funds on deposit interest with reference to the future value or future value. With proper planning, when the time comes to retire (early retirement may be), your savings are able to finance your life fully in the future. So, ready to start now?