Currently, we are certainly familiar with the term insurance. This is because the publication of the insurance companies to the public had enough. Some of us also would have become party to the insurance, especially those who work either as civil servants (Askes) and private employees (Social Security).
Health insurance and Social Security is the basic insurance for workers. One type of insurance that has existed since long is life insurance. Understanding, to become a participant of life insurance, a person who participated will get a certain number of insurance coverage that will be disbursed when he died. That is, the benefits of the insurance is for the heirs.
The problem, though already know that life insurance is important, many of us procrastinate to become party to life insurance for various reasons. Perhaps for reasons of funding. Others were not necessary. Well now, is actually when someone should have felt the need to become a participant life insurance? Here are the moments ketrika someone should start thinking about life insurance and become a participant.
- Having a steady income sufficient to buy the premium.
Can be started with the lowest adjusted premiums to income. Choose the premiums are paid monthly rather than yearly. But if you have the ability to pay once a year, would be better.
- Start a family.
That is, if he is a husband, she has dependents who have satisfied their needs. That's when he sought to insure his soul.
- Jobs at risk.
It could mean the field of work is risky, as well as other jobs. Because the true risk can not choose the place. It could be someone working as a regular administrative staff, but to get to work she had to drive a motorcycle or vehicle every day, via the highway. This, too, there are safety risks in it.
- Earlier the better.
Being a participant of insurance at a younger age has its advantages, especially of the magnitude of the premium. Because usually if the insurance age of participants was old when he signed up, the risk of disease also appeared, at that price adjusts with a risk premium.
- Start with the insurance company's research.
Here's what you need to do. Not having to wait for an insurance agent and you visited diprospek. Before that, you can do the research independently. Much information was available. But most importantly, in choosing the insurance is to choose a reliable company (could be examined testimonials of its customers on the internet), the products according to needs, and the magnitude of the premium in accordance with ability.
At least that's five things to sign when you need to be a participant should have life insurance, as well as what should be done as a first step.
Nowadays many people began to consider life insurance, both for themselves and those they love. Because that would not be able to know what will happen after this. So there is nothing wrong if you choose life insurance. If you did not protect anyone else who will protect your own.
Now many companies offering insurance products. Many offerings are given from giving gifts, offers of payment system daily, quarterly, four months, each semester (6 months) and even once a year. There is also a completely pay benefits can be retrieved later when due. So you can adjust the payment system with your own income. When you choose an insurance product to protect you and your family, of course your expectations greatly to the insurance product.
The following will be given tips for choosing an insurance product to be more useful for you and your family:
- Find out about all that relates to your insurance company will take. About the premium, the insurance money, benefits, types and characteristics of risks and discover everything that is on offer insurance program company. should select a proven, meaning better if you take the insurance products that are obvious.
- Adjust the budget. Do not force yourself to take insurance with high premiums. Indeed, the higher the premium you would spend the higher the insurance claim will get. But if the premium paid does not match your financial capabilities it would be futile. You might be experiencing stress each premium payment.
- Provide correct personal data when filling insurance forms. If you need to do a re-examination of the data already in the fill into the form. this is to avoid the mismatch that occurs when the life insurance claim.
- Looking for the most complete information of the insurance or commonly called the insurance agent. You must ascertain whether an insurance program that you want included in akomodir in the policy.
- How does the claims process should also be considered. Such as hospital care claims, claim death, disability claims, claims scholarships and so forth. You also must consider also the time period that must be achieved as a condition to get cash from the program that you would follow
- Storage of securities must also be considered. Should make one important files because all insurance companies require that the original policy when their clients want to make a claim. If something happens to you and the insurance policy is lost or damaged immediately reported the incident to the insurance company in order to return quickly.
- Notify the nearest family and heirs that you have designated in the policy, this is important because if there is a risk or a calamity that should be covered by insurance programs are family and heirs can complete the procedure of claims will be filed.
- Make sure you have clear data and addresses from your insurance agent. deposited into sati with policy that you receive. So if something happens to the insurance agent may be contacted and can provide assistance in the process of filing a claim against your insurance.
Advice for you, do not choose an insurance company be seen from the advertising and promotion in the intensified by an insurance company. You have to see for themselves the evidence claim to the company's easy or complicated. And also be sure to choose a reliable insurance agent and have a license to your insurance company guarantee is more assured as your own.
Life is full of uncertainty. One type of uncertainty that no one knows when the coming of death. Death is something that will surely come. What is uncertain is when it came from. And it will never be known by man, whoever he is.
Caused by the uncertainty of life, many are the people who live in cities, especially following the life insurance program. Life insurance does make some people more secure lives. For example in a family, head of the family to insure itself. So when the head of the family died, his family would not be afraid to be abandoned because there is life insurance. Families will get a certain amount of money.
That is one of the advantages of life insurance, as well as many other advantages. However, a person should not be hasty in determining life insurance will be selected. Lately, many cases of fraud under the guise of insurance. Companies are not very well known and not too productive a lot to offer life insurance services. It requires more in-depth study, if the company can really be trusted.
Therefore, some of the things below are some tips that can be done in choosing the right life insurance companies namely:
1. Choosing the right life insurance companies should be viewed from the age and value of the company in the public eye. Age can not be denied if the company is also a consideration in putting his trust someone to take out insurance. The longer life of the company would experience possessed by the company it will be many more.
Experience that many of these make the company has a plus compared to the newly established insurance companies. In addition to age, see also the problem of corporate value in the eyes of the public.
We can find out by asking friends or relatives who subscribe to the insurance company, whether the insurance company's qualified or not. Of public opinion we can take a temporary hypothesis about the quality possessed by the insurance company.
2. vision and mission which is owned by the insurance company.
The vision and mission we can see from the insurance company sites have. If the company does not have a site, means the company is still new and inexperienced. Therefore, we will not know the vision and mission.
The vision and mission we need to know before submitting certain amount of money and sign a contract, because after a client's right to know will carry around in the future when he handed over the "life" as collateral to the insurance company.
A good insurance company will certainly explain the vision and mission or purpose of the insurance company. usually insurance agents will explain it or we could also ask whether the insurers themselves and the insurance company to see the site.
3. achievements of the company
Achievements of the company or companies rank well we need to consider before choosing an insurance company life insurance for us. Of course, as our clients choose an insurance company that is not good quality and not arbitrary
Choosing the right insurance company is basically easy when we are not easily tempted by the sweet promises uttered by an insurance agent when the pitch.
However the evidence is better than a promise, so powerful as an insurance agent promised anything if not accompanied by evidence, such as insurance companies are still not clear, then as a prospective client we are allowed to refuse to be one of insurance clients.
Choosing the right insurance company is a major step and the first thing to do by potential clients. If the wrong choice at the beginning then at the back will cause problems that may be detrimental.
If arguably, the health insurance is a type of primary insurance to be taken before someone decides to take other types of insurance. Why is that, because health is the most important element in our lives. If we are sick, a variety of activities and any activity will not be able to walk. For that, we need a protection against our health, such as health insurance.
Health insurance is a promise from the insurance company told its customers that if the customer experience associated with health risks, such as pain and should be hospitalized, treated roads, treatment or surgery, then the insurer will provide reimbursement to the customers.
By taking health insurance, it is expected that you could be protected from high health care costs today. Health insurance should not be purchased with advance purchase of Life Insurance, Health Insurance because you can buy separately.
For some people who have motor vehicles may not have crossed the slightest wish to lose the vehicle. However, sometimes the reality of the matter does not correspond with what we want. To avoid what we do not want to happen in our vehicles, should we insure our vehicles are.
Motor vehicle insurance are insured against loss or damage to motor vehicles. Risks that are guaranteed in this insurance include damage / loss of an insured motor vehicle, various causes such as collision, the evil deeds of others, theft, fire, lightning, and ferry crossings.
This type of insurance is actually the same as fire insurance, the object of which is the loss of or damage to property, only property here in the form of a motor vehicle. Rules that apply in the fire insurance is also generally applicable to motor vehicle insurance.
Where parents who do not want to see his son succeed? Various means will be undertaken to meet their expectations, including in terms of education. So how you can give certain guarantees to the education of children if a death when you pick first?
Insurance education is one way that parents can do to avoid the worst possible thing would be experienced by the child, especially regarding education funding. In particular, education insurance is insurance that offers two usability (endowment), which is a function of protection and investment.
Protection function will run the risk of death over you, by promising certain amount of money if you experienced the death that are tailored to your child's education costs and has agreed in the policy.
As an investment, this insurance will manage and invest some of the premium you pay. Instead of managing your money, the insurance company will provide some funds in the amount agreed in the policy. When payment was already scheduled to coincide with your child's school.
Insurance is an agreement in which the parties promised to guarantee a secured party, to receive an amount of premium in lieu of damages, which may be suffered by the assured, as a result of an event that is not yet clear. In this case, the parties guarantee is usually an insurance company, while the party which is guaranteed to policyholders.
Insurance policyholders are entitled to obtain or make insurance claims to companies that have done the previous agreement if things are not yet clear is actually happening. Own insurance claim is a demand recognition of the fact that a person is entitled (has or have) on something, in this case the insurance policy.
However, many insurance companies are a little cheating, meaning if the time for receiving claims of their policyholders as if to gain time on the pretext that the procedure takes a long time, investigation of cases, the necessary documents for the claim is not complete.
Forex trading or foreign exchange is often viewed as something negative, making money on the Internet through high-risk in this way, requires a large capital, the business is considered useless, even considered gambling. Learn forex currency trading is not really useless. It would be much better if you own a start trading and making money on the internet through online forex trading without giving up personal funds to other parties. Here's why.
- If you've managed to make money online from forex trading with Profit stable constant, you will not be forever dependent on others.
- There are countless opportunities to make money in forex trading forex. Thing needed is to find trading system (trading system) personal, which is a technique that proved profitable forex trading, consistent, reliable. If you've found your personal trading system, the gates of success in sight.
- If already proficient successful in the online forex trading business, the money will work for you. In addition, your chance to "play" the fund relative or friend.
system
In the forex world, people involved in it role as boss. Nothing else will scold, tell, even fire you. Each individual is also free to determine when to work, how long to work, how much income to be achieved.
During a computer connected to the Internet network, the perpetrators can make money on the internet whenever wherever. Another advantage is an unlimited time, ie search and earn money 24 hours a day.
Stock Market Crashed, Forex Impact Not Affected
Why is destroyed when the stock market, forex (foreign exchange) are not affected? Stocks only have one opportunity so that way when the market goes up, traders will benefit. When stock prices fall, traders will experience losses.
This is very different from the forex business. When prices go down or up forex, forex traders still make a profit opportunity. When the forex prices rise, traders who do long (buy) will benefit. Conversely, traders who make short (sell) will gain as forex prices down.
In 2008, when global finanasial crisis, stock traders suffered huge losses. On the other hand, just a lot of experienced forex traders great profits. It is evident that includes forex investment business that knows no crisis.
Business Advantages of Online Forex Trading
Many advantages are obtained when bsinis is run.
- Forex has a two-way opportunity (profit both directions) when the market rises or when the market falls. This system does not apply to other types of investments that uses one-way opportunity, for example stocks.
- Liquidity is very high. Perpetrators will be able to transact this business buying and selling forex instantly every time.
- Availability laverage function (leverage). Only with a small capital, you will generate huge profits.
- Many online forex brokers who provide commission-free facilities, small capital, small transaction fee, interest-free (kosher), automated trading facilities.
Forex Trading Online Gambling Included?
These businesses include gambling or not depends on the style of each trader. If you make trades based on the feeling or of chance, you mean a gamble. If you make trades based on technical analysis and forex are ripe, you're not a gambler but a trader.
Forex Trading is Easy Business
Running a business is not difficult, especially if you already understand how to analyze fundamental technical differences are good true. In addition, traders must be diligent, tenacious, unyielding, and diligent practice on the actual market conditions.
Evaluation of the errors must often be performed resulting in improvement based on experience from the mistakes they have committed. The essence of learning forex trading is learning by doing, which learned from the experience of direct practice.
The current state of the economy uncertain and unemployment is growing by the day, forcing everyone back to his desire to be an employee plan. In fact, they racked his brain and find new ways to get a decent life without being an employee. This situation encourages a person to become more creative in opening business opportunities small capital.
Job seekers who have yet to get a job, making the kind of business with small capital as the target of an escape. They chose this business because not everyone can obtain a large capital loans. Someone could open a small business that has a good market, only to capitalize property owned.
Business Opportunities
Business with small capital attracted many people because of the many advantages to be gained from this effort. For example, capital is not very big, big profits, free and unattached. In addition, a person has full authority to expand its business in accordance with the desired idea. However, this idea should always be in the right corridor to increase their business.
Currently, small capital business opportunities are scattered in the real world and in cyberspace. Everyone can run and market a small business via the Internet, business services such as website creation, business e book search engine, pulse selling via the internet, and others.
Pulses with a counter selling system running is one of the businesses in the real world. Only the capital of hundreds of thousands of money, someone has to sell pulses through his mobile. Other business opportunities, ie snacks, women's accessories, and much more. These efforts can also be marketed through the internet by way of an online business so it can expand the network, coverage, and huge profits.
How to Get Small Business Capital
Capital is one of the supporting factors in running a business. The existence of capital to start a business foundation that will be built. Determination, experience, courage, knowledge, networking, and capital, are some of the required capital when starting a business.
From some of the required capital, most people start a business is hampered because it is difficult to obtain capital money. Here are some alternatives that you can use to obtain operating funds.
1. Private Funds
Private funds can be used for working capital, such as saving money that has been stored so far. If not, you can sell some assets to cover the shortage of funds. There is no harm if this is done. Suppose you invest to earn greater profits, after successfully running this business.
2. Finding Grants
The second venture fund can be obtained from third parties, namely government or private parties. In some large companies, grants channeled through the Division of CSR (Corporate Social Responsibility). These companies typically provide special funds budget in building the economy of communities around the company. The distribution of grants is usually through competition events. This method became one of the solutions to obtain additional operating funds.
3. Establish Cooperation
Cooperate with certain parties currently widely implemented, such as working together with friends and investors. When the offer of cooperation, you should be able to convince a friend or investors about the prospects for business to be run. Business proposal can be used to further convince potential business partners. In addition, provide information about revenue sharing between investors and entrepreneurs. Thus, there is no aggrieved parties.
Good luck!
Gold Investments offer an alternative option for investors to hold property assets when the economy is falling. Investments of this precious metal is an excellent way to precipitate the wealth. The value or price of gold metal is relatively much more stable and secure than other forms of investment.
Gold investment is a strategic investment for long term investment because of rising precious metals prices tend to be slow. Investments of this precious metal can be very practical karana all circles, starting housewife until the worker. To start any gold investments, can be purchased ranging from one gram.
Gold investing can be done in different forms or ways, namely gold bars, gold deposits, gold mutual funds, gold mining stocks, Exchange Traded Fund (ETF) of gold, gold futures, as well as jewelry and gold coins.
Gold Bars
The best way to invest in gold is in the form of bullion (gold bars). Gold bullion is quite good if used as investment vehicles. Gold bullion is different with gold jewelry. Precious metals bullion easier to resell. In addition, gold does not require the cost of manufacture, such as gold jewelry. Therefore, if you want to invest in gold, there is no harm in choosing gold investing in gold bullion.
Gold Deposits
Storing physical gold at home is very risky to damage and theft. Therefore, storing physical gold in a safe deposit box in any bank is the best way to invest in gold deposits.
Gold Mutual Funds
Gold mutual funds are another alternative way to invest this precious metal. Invest in gold mutual funds, you do not need to hold physical gold, but can take the benefits.
Typically, gold mutual funds are not invested in physical gold trading, but may involve transactions of shares of gold mining companies. Before determining the gold investment by mutual funds, management fees, fund expenses, and net asset value should be considered first considered.
Consult your financial advisor mutual fund providers before deciding to take this way of investing in gold. Mutual funds can provide stability in gold invest in gold, but physical gold investment is much more stable. However, gold mutual funds in Indonesia have not been quite popular.
Gold Mining Stocks
Investors who want to invest in gold without having any physical gold can choose this type. Prospective investors can buy shares of gold mining companies. Prospective investors expect stock prices rose gold mining companies because of the rise in gold prices in the market. However, two events are not always consistent.
With this type of gold investment, prospective investors can predict the success of stock and benefits to be gained. The trick is to examine the costs of gold production versus the price of gold. For example, if the gold price of U.S. $ 700 per ounce and gold production cost of U.S. $ 300, gold mining profit margin is U.S. $ 400.
Exchange Traders Fund (ETF) Gold
Types of investment gold ETF or Exchange Traded Fun is dipedagangkan mutual funds on stock exchanges. Investors can transact with the gold ETF gold-based mutual funds. Unfortunately, ETF investment in Indonesia has not run.
Gold Futures
Gold futures is an alternative to investing in gold without having to have physical gold. Buying and selling gold futures contract requires a certain period. The price is stated in the contract. If the gold price on the date the contract is higher than the gold price when the contract is made, investors would receive profits. However, if the price is lower, the investor will incur a loss. Investing in gold futures is probably a fairly risky investment because investors have to estimate the movement of gold prices in the future.
Jewellery and Gold Coins
Gold coins are very valuable in the investment, mainly gold coins are rare. This is not just because the value of gold, but because of the scarcity value of the coin. Meanwhile, gold jewelry is a common way of investing in gold. Gold jewelry can be chosen as an investment gold as well as lifestyle. Unfortunately, this investment has a slight advantage.
Well, for those of you who intend to invest in gold, please choose the way of gold investment is appropriate and suitable for you. Good luck and hopefully useful!
In terms of time (duration), the investment can be divided into two categories, namely Investment Current and Long-Term Investments. Investment smoothly, that is an investment that is easy and can be immediately cashed. These investments are intended to be held for a year or less than a year. Meanwhile, long-term investments are investments held in the long term is intended as a reserve fund.
For some companies or peorangan, investment activity is an important element in the operation of the company or individual. And performance appraisal companies or individuals may be entirely dependent on the reported results of investment activity.
Some companies make investments as a form to store the excess funds. And, several other companies make investments to strengthen business relationship or get an advantage from planting investment.
An investment can be in the form of debt, both short-term debt or commercial debt, or equity instruments. Generally, the investment has a form of financial rights, such as investment land, buildings, gold, diamonds, or commodities, other commodities that can be marketed.
For some types of investments, there is an active market that can form the market value. For these types of investments, market value is used as a benchmark setting a reasonable value.
Long-Term Investment Objectives
A company or individual doing long-term investments based on specific objectives. The purpose is likely to differ between one company and another company. One purpose of investing is to seek profit.
Basically, the investment aims to gain as much as possible. However, for certain companies or individuals may have the primary purpose other than profit. Here are some investment purposes.
- Getting a fixed income in each period, such as interest, royalties, dividends, or rents, and others.
- Establish a special fund. For example, funds for the benefit of the business expansion the company or individual and social interests.
- Control or control of another company or other individuals through equity or partial ownership shares in a company or individual is.
- Ensuring availability of raw materials and obtain market for the products produced.
- Reduce competition among similar companies.
- Maintain relationships between companies.
Forms of Long Term Investments
Many options for the company or companies to select and establish long-term form of investment. There are companies that choose to invest in land or buildings (not for the operating company) is called with property investment.
There are also companies who choose to invest in savings, deposits, or any other form of investment choices, such as the purchase of bonds or shares. Long-term investments a company can be done in the form of stocks or bonds. In comparison, both forms of investment has advantages and disadvantages.
Long-term investments in bonds guarantee a clear and definite upon receipt of interest within a certain time. If interest rates on the market decreasing, interest rates will not change following the bond market because interest rates have been defined in the agreement early.
Meanwhile, long-term investment in the form of a purchase of shares can provide higher income than the rate of interest on the bonds if the company gets high profits. And conversely, if the value of shares held to fall in the market, companies or individuals will experience losses.
The business plan is one thing to do in running a business activity. This process is best done when the business was about to start, or also when a business began deteriorating. Meanwhile, when a business can run well and achieve what is desired, it shows a business plan are already well underway. So in this condition needs to be done is the control action to keep well-run business processes remain on track.
The business plan itself is poured into the vision and mission. It is then a guide for companies in determining their business strategy. Thus, the function of a business plan is the framework and limits of each activity and the decisions taken by the company.
The basis of the company in determining their business plan one of them by using SWOT analysis. This analysis describes what are its strengths and weaknesses are owned by the company. In addition, the outlines also of the opportunities that can be achieved by the company and describes the likely obstacles that might arise from such opportunities.
After learning the four conditions, each component will be analyzed in order to build a good business plan. Companies should be able to transform weakness into a strength it has. Or also optimize the advantages they have, to cover weaknesses.
Similarly, companies should be able to minimize the barriers that exist in order to optimize the opportunities that can be obtained. And not the reverse, actually increase the barriers that can lead to loss of opportunities that can be obtained. Because, basically barriers is a process that will lead to a creative attitude to the company raises the chance that there could be even greater.
Benefits of a Business Plan
The basis of a company in the works is the presence or absence of mature business plans from the company. And that business plan already prepared can be achieved with good, thorough socialization needs to be done to every element in the company.
It is intended that each activity undertaken is always breath on the company's business plan. Thus, there will be a deviation between the company's activities with the company's business plan. Therefore, both should be able to walk hand in hand in order to achieve what is desired.
Some of the main functions of the business plans made by the company include:
1. Focus
Focused attitude is one key to the success of a business. It is also emphasized by experts world strategy, Michael Porter suggested three strategies that a company can run well. That focus, unique, and efficiency. And the focus is one of them can be realized in the presence of a mature business plan.
2. Corporate identity
Business plan that is poured into the vision and mission of the company, could become a corporate identity. This identity will be the soul of every element in the work and become an image of the consumer.
3. Policy direction and corporate strategy
With the business plan, then any policy and strategy must be based on an agreed business plan. Thus, policies and strategies taken will not be contrary to what the company's plans.
4. Creating motivation
The existence of a clear business plan, will become a separate motivation for the company in the works. Because, if the plan is achieved will create a spirit of satisfaction and also achieve better success again.
Business management is a basic need to be known and understood and executed by any party interested in running their business activities. Because without understanding it, then a business carried on will not run properly, and do not achieve optimal results. This is because in a business, thinking that needs to be emphasized is not just about how to sell a product as much as possible. And also about how to reap maximum benefits. In the discussion of modern business management, there is a broader idea than just these two components.
In the modern business management, we need to know about the needs of consumers. This is an absolute given from konsumenlah we will be able to benefit from well-run business. In addition, the consumer is an important component that will determine whether a business can continue to run continuously or only lived a moment.
Modern Business Management
In the understanding of modern business management, there are six main things that became a major focus for the review. They all have links that are interconnected can not be separated from each other. And if we are to achieve the success of a business, we must understand and execute the sixth component.
The six components in the modern business management including:
- Customer satisfaction
Satisfied customers is a key determinant of whether a business can succeed or not. If consumers can be satisfied with our business offering, they will not only return to us. Rather, they will become an effective media campaign to invite others to become our customers too.
- Excellent service
A business may be imitated by others. However, with the good service, will be a differentiator between the products that we offer with what is offered by competitors.
- Ability
This component is concerned about our capabilities in doing business. With the ability of well-run business, is one indication that the resulting product would be quality.
- Efficiency
Efficiency involves a process that is run with care and eliminating activities that are considered less necessary.
- Transparency / honesty
With the honesty, would cause the trust of consumers of the products we offer. This is a way to sustain cooperation between producer consumer transactions.
- Fair Competition
A healthy competition will lead to success for all parties and beneficial to consumers. If done with unhealthy competition, which will happen is the attitude each other down have an impact on the destruction of all the competing parties.
Starting a business, large or small, is certainly not easy. You need capital more than determination and willpower. Moreover, the commitment and dedication is needed to start a business. Even if you intend to run a small business, start it would need something that is not small. Needed a way to start up small businesses.
Starting a Small Business
Here's a second way of realizing new business and small business.
1. Starting a Business from Home
Some employers will certainly feel a certain satisfaction if he has a business regulated and self-determined. Started, the provision of products or goods, how to process management, as well as suppliers of goods determination.
However, in this way has a fairly high risk of failure than to buy a license or franchise an existing business. The risk of failure that occurred because of the name brand or company you have not known.
2. Buying an Existing
Here, that meant buying a franchise or license is to buy businesses that are well known. Thus, your task becomes easier. Ie, stayed on with business with the requirements specified franchisor. Similarly, by starting your own business, this way also has disadvantages.
Losses start a business with a franchise lies in lack of freedom to determine and regulate the management of product desired. However, despite these losses, this method has the advantage. That is, have a smaller risk of failure because the business already has an established name or known to the public.
From both these ways, the consultants advise businesses and creditors over a second way for new entrepreneurs who have not experienced. The reason is quite clear, namely to minimize the risk of loss that can actually make you discouraged.
Failure Causes
Every business must have a risk of failure. Therefore, when deciding to start a business, you must be mentally prepared to face the possibility of failure. To avoid business failure, you need to know the main cause of these failures.
- Lack of ability to manage management.
- Lack of business experience.
- Negligent and did not focus on the business being managed.
- Less control costs and production levels.
- Capital is not enough, at least for the first 6 months.
Key to Success in Business
Apparently, no one who does not want to succeed. Therefore, in addition to knowing the cause of failure, you must know the key to success in business.
1. Work Hard, spirit, and Dedication
When someone decides to start a business, he must be committed to success. Besides committed to success, business owners must be willing to spend time and efforts to expand its business.
2. Gels Reading Market
When deciding to start a business, you should be keen to see market opportunities. Make an effort that is still rare. For example, if your local bakery there is only one copy and 20 places, open a bakery rather than a copy shop. By opening a bakery, your chances to succeed is greater than open the place a photocopy.
3. Managerial competition
Successful small businessman usually has stock sufficient knowledge to determine the steps they need to do. These competencies can be obtained through some training and learn from people closest to the hard expert.
4. luck
Yes. Luck has always been something very big role in determining the success of a business. As smart and as perfect as you cultivate any business, remains a decisive luck. However, it does not mean that you should not try and just hoping on luck. Permanent establishment shall be carried out. After trying, let fate decide.
may be useful
The service company is a type of business that provide services and do not sell products in the form of goods. The resulting product of this kind of company is more tangible or invisible. In addition, the value of the resulting product can not be measured quantitatively, but can only be felt in quality. Examples of these service companies such as taxi companies or services of the expedition. Both companies provide products to serve the delivery of the goods or refer a person to his destination. This is what differentiates firms that sell services to enterprise companies that manufacture products such as soap or a car.
The service company is basically intended to assist a party in completing their interests. Such as taxi companies, they help a person to travel. There are several characteristics in a service company. The first character is the resulting product is a product service company that can not be seen, touched or smelled. Second, the resulting product does not have a lifespan that can be used as long as someone needs it. The third characteristic is the value used for the resulting product could not be determined. During a person feels satisfied with the service provided he has the right to give added value for products that are already felt.
From here the key to the success of a company's services are determined. If a consumer is dissatisfied with the service company, then he will potentially spread negative information on at least five people. Meanwhile, if he is satisfied he will recommend a service company to others all his life. The point is, never make the customer feel disappointed with the service your company provided services.
Tips Services Company
As a company that has special characteristics, there are some things to do service companies in gaining and keeping customers can be loyal. Some of these tips include:
1. The service company should be able to keep secrets owned by its customers. Like, service companies are not allowed to unload the contents of the expedition sent by the customer package, unless there are legal violations occur.
2. Maintain consistency of service. A service company must have the same standard of service so that customers could feel comfortable. Such as giving a smile, greeted and greeted the new taxi passengers in the car. This will cause a sense of comfort to customers.
3. Consequences. This is what must be owned by a service company, on the promise that was given to the customer. One example is when the airline of Singapore Airlines had failed to fly, they will provide service consequences of staying at a five star hotel for free to passengers. In addition, providing the first flight service to passengers who fail to fly it.
4. Customize. Sometimes, a customer wants more services from a service company that may not exist in the standard of service. A good service company, will provide services that customers want as long as not contrary to law and legislation in force. This is to maintain and gain customer satisfaction.
5. Market Driven. The service company different from companies that make products. Service companies, should be able to follow the market and not the other way to force consumers to follow what we want. This is what distinguishes the companies that make real products, which can educate the market to do as they see fit.
Own business or become self-employed is now one of the options for monetizing the people of Indonesia. Many people who cultivate the fields of business, either as a side business outside their main job or also make it as a primary source of income. The reason is that formal employment is increasingly difficult to find as the world economic crisis. In addition, many people who managed to achieve success than those working in the formal sector to be triggered enthusiasm for people to glance at the field of non-formal businesses.
One of the many industrial sectors are developing business in the culinary or food. Business sector is much ogled by young entrepreneurs because of several considerations. One is the condition that the need for food is a basic human needs. The second reason is that the profit margins that can be scooped from the culinary business has no boundaries and becomes an absolute right of employers.
Other sectors are also developed at this point is the tourism and entertainment sectors. This is due to the development of transport sector that increasingly allows people to travel. Margin gains was the same as culinary business sector, ie there is no limit. It's just that usually travel business sector requires significant investment. In contrast to the culinary business that require less capital to start a business.
Starting a Business Tips
Even though the business sector has bright prospects and expectations of huge profits, but many people are still afraid to plunge into the world. Many reasons are put forward, one of which is the capital constraint. In fact, by knowing the system is a good business person can start a business with limited capital. The most needed in starting a business is courage.
Having the courage to start a business that could be raised, the next step should be done is to begin to consider all possibilities. These include the calculation of risk. For some people, the risk of including a scary thing. But for some people, the risk became a thing that can make a person more vigilant in doing their business. It is important to avoid the possibility of a highly undesirable.
In addition there are a few tips that can be used so that we are not one step in running a business. Among these are:
1. Run a business that we can sell. Not just running a business that we can make.
2. Establish cooperation with investors who have surplus funds and make sure that are willing to invest in businesses that we run.
3. Focus. Run the business with the concept of focusing on one area. In this way, we will be able to fully master the field that we run and have competence in that field.
4. Thinking one step ahead. Do not start a business just because he saw the business is currently busy. Run a business that not many people get started, so we can have the opportunity to reach customers before many competitors emerged.
5. Priority service. Many people fail in business because they do not pay attention to service. Although the products we sell are much preferred, but if we are not friendly in serving customers undoubtedly will leave our customers.
One of the keys became an independent entrepreneur is the Work Smart (Working Smart) and Smart Worker (Worker Intelligent). So the work that we do actually running smoothly and we expect sukses.sesuai.
A. Work Smart
To be able to work smart, then there are things we need to do, namely:
1. Definitions The End Of Mind: Before we start working, we must define the ultimate goal of our work. Thus, the goal we are going, so we will not stop working or doing anything else before it is reached.
2. Clear Objectives: After knowing the ultimate goal, we need to clarify or elaborate indicators of achievement of those goals. So, create measurable targets. For example, if the target company's profits, then how many dollars we want to accomplish. If the target completion time of job, then how much time task completion.
3. Better Planning: Furthermore, to achieve these goals we must develop a good plan. Way or the conditions to achieve these goals, we must know it. So, really prepared the steps - the steps to achieve those goals.
4. Focus: From the planning we have collated, there must be some jobs that will determine success in achieving the target or any work affecting other jobs. For that, we have to focus or priority on the job, before doing another job. For example, there is a project seminar. In the project a very important thing is the speaker and the venue. So, that must be done first and should focus is to make sure the speaker and the venue.
5. Organizing: After that we formed a committee to perform duties and authority. Coordination line must be specified as well. That way, we can do our jobs effectively and efficiently.
6. Controlling: Controls each process works, so any existing measures that do not fit the plan, then we can immediately find out and fix it.
7. Team Work: The last and most important is 'team work'. Everyone, if gathered together to make their living together, then the strength is if all have the same goal. So internalization into the goal of this teamwork must continue to be maintained. So it can form a 'team work' is solid and works well.
B. Smart Worker
Once we work smart, then the next step is that we should be able to create a smart worker. As for intelligent workers are workers who meet the criteria of "SMART" the following:
- Specific, that is, the goal must be clearly understood by all components of the company
- Measurable, namely the goal must be measurable to a certain size
- Attractive, the goal should be challenging
- Realistic, namely its targets to be realistic given the existing capabilities or resources
- Time Table, namely the achievement should be planned
Have you heard the term credit? Of course the answer is often. In everyday life, we often encounter the term loan. Both in the process of buying and selling as well as in the form of loans to banks. But, you know the definition of credit? Put simply, credit is a transaction or a deferred payment agreement.
Definition of Credit
The term loan actually comes from the Latin, yatiu credere, which means 'trust'. Meanwhile, according to Big Indonesian Dictionary, credit means a loan up to a certain limit to the amount allowed by a bank or other entity. According to the origin he said, the credit means 'trust'. Therefore, the trust became one of the most important factor in a credit process.
Elements of Credit
The following are the elements contained in the credit.
1. trust
Confidence the bank as lender of accomplishment given to debtors to repay the mortgage according to a predetermined time period.
2. period
The time-scale has been agreed regarding the provision of credit by banks and credit repayment by the debtors.
3. achievement
Achievement may be regarded as an object of interest or fee agreed upon banks and debtors.
4. risk
To avoid bad risks in the credit agreement, was held binding angunan or warranties are charged to the debtors or borrowers.
Loan purpose
Here are a few credit purposes.
- Banks as lenders gain the advantage of interest, administrative costs, rewards, fees, and other fees charged to debtors or borrowers.
- Business debtors or borrowers will increase. With the granting of credit and investment capital loans, the borrower is expected to increase their business.
- The amount of credits channeled to improve implementation of development banks in the economic sector. Thus, the provision of credit can help the government's job.
Credit function
Besides having a goal, credit has the following functions.
- Enhances the usability of the money.
- Increasing the amount of money in circulation and traffic of money.
- Increasing the value or usability of the goods.
- Increasing the circulation or distribution of goods.
- As a means of supporting economic stability.
- Activate and enhance the usefulness or the existing economic potential.
- As one of the bridges increase the national income distribution.
- As one means to establish international relations.
That discussion includes an overview of the credit which the elements, goals and functions. Hopefully this article can add to your insight on credit so it can be used as a reference before applying for a loan. However, credit is beneficial to both parties over the interest rate set at reasonable levels.
may be useful
Housing is one of the basic human needs other than food and clothing. Therefore, humans have a need for rest and reside permanently as the nature of human civilization. The increasing number of humans is followed by increased need for housing. Therefore, a newly formed family who surely will eventually need a house to live with their families. Therefore, it is unlikely someone who had a family will forever live with their parents. Given the longer the number of families will increase over the presence of children.
This is then used as a business opportunity by a group of people. They set up a company engaged in the development of housing, to make houses ready for sale to be offered to families in need. And this business will definitely bring benefits, for housing needs is essential. So that everyone will surely find and buy a good house to be occupied or simply as an investment.
Especially at this time many financial institutions willing to provide credit assistance for the community to have a house. In Housing Home Loan program, the bank will close the deficiency payment of a house and enough people pay the shortfall to the bank credit.
Tips for Choosing Housing
Although a lot of convenience, but of course we should carelessly in determining housing which we wish to buy. There are several things to be done to avoid problems when buying a house. Some of these include:
1. Make sure the location of housing in the area is safe. Both of the threat of crime and the threat of natural disasters.
2. Do not be easily seduced by the lure of low prices and wide range of facilities. Prices are too cheap are usually raises the suspicion that something was hidden by the seller.
3. Make sure that you want to buy residential location within easy reach and close to some of the basic necessities. As the market or school for your child.
4. Make sure the water quality in the housing. A housing which occupies the former rice fields usually have a less good quality water for consumption. If this happens, make sure the network is also provided drinking water companies in the region.
5. Check carefully the condition of the building that will house you buy in detail. Former house usually has several parts that are porous, especially the house that has not been occupied.
Is the reference currency trading world is the American dollar. How not, to this day remains America's most unique country. Exports imports still dominate the world. Chinese shadows. In 2010 China managed to take Japan as the No. 2 ranking. It is estimated that within the next decade, China will shift the United States. Though the Chinese currency Yuan been printed with a value of 6,000,000,000 yuan (6 billion Yuan!) In 1949, although only in one province, Xinjiang. This is the result of the incalculable inflation.
Inflation
U.S. dollar instead of does not change. Value continues to decrease. The American people can feel it from the comparison of the price of a hamburger. When in 1950, a jumbo-sized hamburger, worth $ 1, now the price is $ 5 - $ 6.
House prices had been changed. About 60 years ago, houses in the area of middle-class Americans with a standard size, price is still hundreds of thousands of U.S. dollars. Now no longer possible. Minimal is worth over a million U.S. dollars. Various financial crisis and economic crisis afflicting the U.S. and the world is already affecting the value of the currency the country Obama.
Currencies Other Countries
If the dollar change, the more the experienced by other important currencies. As well as China, Japan, when subjected to bombing in Nagasaki and Hiroshima, the Japanese Yen never worth 75,000,000,000 yen (75 billion yen). Much larger than the Chinese currency, which only reached 6 billion Yuan.
High-value currency is issued as a strategy to cope with the economic situation at that time. Now the Japanese Yen enough to compete with other strong currencies. Despite the decline in value of Japanese exports to several countries, the yen remained strong enough.
Strategy of issuing large numbers for the currencies do not only belong to China and Japan. Germany, Greece and Zimbabwe instead issued a denomination of 1 trillion (100,000,000,000,000 Mark 1 trillion Drachmai Germany and Greece). For the record, Zimbabwe is still a big issue a super value for its currency to the present. As for Germany and Greece, both now come to use the Euro as agreed by the other European countries.
Self-Esteem
Value of currencies other than as a progress indicator of economic growth and success of a nation suppress inflation, is also the nation's self-esteem. Try to compare it with 1 1 Singapore dollar rupiah. Seemed far away. How different economic levels Indonesia with Singapore coming in 5 of the world with per capita income highest in the world.
If only the government speed up redenominasi dollars with the elimination of three zeros, then it will look somewhat berimbanglah rupiah compared to the value of other currencies.
Economic boost
The most powerful way to make the image of dollars to improve is to increase the competitiveness of Indonesia in the eyes of the business world. Firmness of the government to remove illegal fees and pemeberian certain incentives to some investors, especially in the areas of geothermal exploration and other real sectors. Also the rule of law so that Indonesia is not only terbanjirkan by short-term hot money but really a long term investment.
Today many types of investment made by society with the aim to develop a dimilkinya capital and profit. Of the various types of existing investment, one that now begins to experience a high level of popularity is the capital market. Businesses that this one was still relatively new to the general public. But actually the type of investment that can bring considerable benefits of this long time ago in Indonesia. But some time ago only certain people who understand how to invest in this sector.
Means it is equity capital markets transactions such as on the merchandise in general. But the goods traded real intangible virtual alias. An example is the right of ownership of shares in a company or a current started to enjoy doing in the community of foreign exchange transactions or often referred to as the forex (foreign exchange). Ie buying and selling foreign currency or foreign currency.
Capital markets for this one is very easy to do. We stayed to observe the price movement of a foreign currency, then estimates whether the price will go up or down the price against other currencies. If the graph shows the trend then we can make a purchase action. Then we sell them after the price is quite high.
However, when sales tend to drop the action to be the best option. After that mengalmi repurchase if the graph has changed toward an increase. From the difference in price that we buy or sell, we will get a profit or gain.
Transactions Over the Internet
To perform a type of forex capital market transactions at this time we do not need to go to an agent or office forex transactions. Now there is a way or system to make it easier for us to take action to sell or buy foreign exchange. Namely through the internet connection. The name of this system is the online trading. As for how to do it is also quite easy. Even people awampun can quickly understand if you want to learn.
First thing to do to make this capital market transaction we just provide computer and connected to an internet connection. Then open the address of sites that provide online trading services to do this. Now a lot of sites are sites that offer to be a foreign exchange transaction agent. So this is not a big problem.
After registering we will be asked to send funds to a certain minimum amount in accordance with the rules set. If the funds we have very terbetas do not get discouraged. When used to make sale and purchase of foreign exchange is always a great need of funds, but now many online capital market agents are willing to provide services to those who invest only small.
Once the funds have been received then we can directly conduct forex transactions. Because at each site the capital market on the internet would provide service features to make a sell or buy. That need attention in this regard is that we jangann direct transactions to all the capital that we plant. When still in early stages of learning to do the transaction in moderation. Even if we need to learn first to do this transaction virtually.
The production is part of a company's management concept in addition to the financial, marketing and human resources. in this section, responsible for creating products that will be sold by the company by the marketing division. In creating its products, the production in collaboration with the field of marketing to get information about what products are in demand by the market. Because, in the concept of a company, one motto that is used instead of selling goods that can be produced. Instead, produksilah an item that can be sold to the market.
From research conducted by the marketing division, then the production will create a product. Surely this is after coordination with the finance department as a provider of budget and human resources division to get the workforce that has the competence.
In addition to making the items can be produced, the production division also has other roles. Such as calculating production capacity that can be generated, determine the inventory of raw materials, calculate the stock of goods in warehouses. In addition, the production division also plays a role in determining the distribution system in order to efficiently and effectively.
Determining the Production Process
In the determination of the production process, there are four things to be taken into consideration a company. Consideration is based on achieving cost efficiencies, so that production costs can be reduced and be able to produce optimum benefit.
The four things taken into consideration included the
1. Proximity to raw materials. If the production is done in areas close to areas that provide raw materials, will provide efficiency in two ways. The first is the raw material and freight costs both storage costs of raw materials.
2. Approaching the market. By choosing a production site close to the location of the targeted marketing of products, expected to be able to meet market needs quickly. So it will not happen in a vacuum inventory on the market.
3. Locations that have a source of cheap labor. As one of the factors of production, labor should be considered in calculating production costs. By selecting the production of human resources is still low, spending will push the cost of production. For example, when Sony chose Vietnam as their factory, because there salaries are lower than Indonesia.
Being in the middle. By selecting production sites located in the middle between the location of raw materials, markets and human resources it is hoped will create a production cost is quite light on the three components.
Planning objectives: Any business or entrepreneur would want to venture that could run and grow ditekuninnya smoothly. It also hopes to survive for a long time even if you can forever. In order to achieve these objectives need to be planning to run business. This needs to be done especially for the newly opened businesses or go into business.
The purpose of this planning is for all programs or targets that we make can be achieved in time has also been predetermined. In addition, to avoid errors when the operating system has been running the business. However, if still errors can also be well resolved so that the business can run smoothly again.
Creating Planning
Creating a business plan that should not be indiscriminate. But it must be thought out carefully so that what we all aspire to the business that we run can be achieved. Here are some things that should be considered when making a program or business planning and business.
1. The concept of corporate
Before deciding to open a business, we must create a concept plan on the kind of business would be run. Is a production company, service, sales and others. It is recommended that type of business that would diligently in accordance with their interests, desires and talents.
2. Funding
The issue of funding is one of the most important thing to consider when making a business plan. Customize funds owned by business types who would run as well as all expenses for operating costs when the business has not been able to bring in profits.
3. Target time
Planning for this problem include the time or duration of the enterprise can flourish and 100% independent. The definition of self here is already able to walk without the financial support of the business owners again because it can generate profits. It had a very close relationship with the funding problems as described in number two.
4. Target marketing
It should also be carefully considered in making business planning. Who are the class of people or society can be a consumer of the product of our efforts. Are housewives, fathers, teenagers, children and so on. It should also be tailored to the type of business that is run and its products.
5. The concept of marketing and promotion
After knowing the consumer target aimed by the next step in creating a business plan or business is to make the concept of marketing and promotion of the most suitable for use. Whether through print ads, flyers, holding exhibitions, direct visits from house to house and beyond.
6. Competition
This problem is also very important to make plans. Because if we are able to later efforts to develop and of course this will give inspriasi or ideas on others to make their own business is the type and the same concept with which we have. This incident will certainly make the door wide open to competition. So somehow we must be able to face this competition.
Thus some of the concepts of business planning that can be done if you want to open new businesses. Good luck good luck.
Proposal co-operation is fundamental in a process of business activities carried on by two or more parties. If compared, the proposal is a medium to seduce one of the parties that are interested in joining other parties in order to run a business together.Proposals are usually made by the parties that already have a business and want to develop it. One was to establish cooperation with other parties deemed to have competence in that field of business.
In the proposals, usually contained several important points that are considered crucial in a business collaboration process. Like for example about the background of business activity, prospects of the business within a certain timeframe. In addition, also listed the expected profit expectations by a process of cooperation among several parties.
And most important in a business partnership proposal, there must be points about the limitations that govern the rights and obligations of each party involved in the cooperation business. Including benefit-sharing issues, as well as the consequences that must be accepted if in the process of business cooperation occurs it is not desirable. Such a loss or unexpected problems, such as natural disasters.
Benefits of Business Proposals
Business proposal is a way to move towards business process professionals. Due to the presence of external parties in a business that we run, we will not be able to act arbitrarily in the management of the business. Therefore, there are some benefits of the process of making a business proposal. Among these are:
1. As a medium for creating a more orderly process yan business professionally. Both the management system, and in terms of its management.
2. Proposals was the template for every party involved in the partnership to understand their respective roles. And thus would not be a dispute later on.
3. Proposals are used as a tool for improving business prospects. With this partnership, a business will get additional capital, both financial and non financial. Like the creation of new distribution channels are also supplying raw materials or better.
4. Proposals would encourage a person to be more responsible in managing its business. Due to this partnership, then a businessman already has an obligation to account for its activities to other parties. This is different from a business independently dijalanka, because accountability is only independent business to yourself only, so there is less control.
Accidents is that there are risks in any corporate activity. It is mainly in jobs that require more physical activity than the activity of thought. It could be a risk to a minor accident resulting in serious accidents causing fatalities. In his definition, work accident is defined as an event that occurs outside the existing party planning that resulted in the loss. This condition is particularly so in an activity of work to do a company in the process of their work.
And when accidents happen, then the company has the obligation to provide collateral and to the dependents of a victim. This is because those who become victims, losing the opportunity to move for some time and things are going to meet the obligations in the work.
On the other hand, the victims of these accidents, the unfortunate in order to provide benefits to the company through the activities they are doing it. This is why, the company must comply with government regulations to ensure the safety of the workers.
Insurance, Accident Work Solutions
On the other hand, often companies do not want to be bothered to deal with the problem of work accidents to its employees. However, the company could not get out of hand just like that, considering there are regulations governing the obligations of the company to its employees. To overcome this one of the steps that companies use is to provide insurance to its employees in case of accidents.
There are several benefits to be gained by a life insurance program participants that specifically deal with cases of workplace accidents. Some of these benefits include:
1. Provide peace to employees in the work so that they can perform optimally in any activities in the company.
2. Reduce the company's affairs so that companies can stay focused on their work activities without neglecting the obligation to provide assurance to employees who have occupational accidents.
3. Foster loyalty to employees. Because, with insurance included in the program, showing the company has a concern for the employees. So this could potentially reduce employee turnover due to dissatisfaction with their work.
4. Helping ease the burden on employees who have occupational accidents. Due to the work accident, then an employee will be disrupted their activities in making a living for their families.
Want to work as a freelance property agent or part time? It is better to follow the lesson how to do business online in AsianBrain Internet Marketing Center. On this website all the things needed by a freelance property agent who also want to market themselves online, is available. There is a free study period for another month. So there is no harm in investing time and money to things that are very useful at a later time.
Commission System
After a period of marketing online learning is complete, continue to study various issues related to property. Do site visits to homes, shops, apartments for sale. Look at the ingredients, conditions, and conditions where the property is located. Begin by becoming a trusted real estate agents so whatever you say will be trusted by prospective buyers.
It would be very different when only imagine the houses, shophouses, apartments will be marketed directly by visiting the home, shop or apartment. So do not be lazy to make a visit to the location of the property. In addition to direct contact with workers and marketing agency in there. It also could be a very rewarding experience later.
Style menarangkan the marketing positioning, price, color, public facilities, the exemplar and living adding to the things that may relate to commodities or goods being was sold.
After that, contact the development company. Express your intentions and desires. Usually the property agents are familiar with this freelance developer or owner of the company is the developer hiring freelance property agent.
Take a job with a hefty commission system. Consider the operational costs such as manpower, time, and money mainly to buy the phone bills. Do not get lost though definitely get a special delight when dealing with consumers who are interested in a home or other property that you offer.
Advertisement
Install the classifieds in local newspapers or free advertising facility that is in Facebook and also pasarkanlah property products through sms. Wear a cheap sms pulse of shipping operators who provide a cheap sms.
Do not hesitate to advertise their products anywhere, including in the event of family or social gathering event followed by the mothers. If necessary, give promise of a commission to a friend or neighbor who managed to sell the products you offer. By having a wide marketing network, will the greater the opportunity to sell a product.
Vacancy
Information job as a freelance property agent can be obtained from the Internet or from classified ads and information from friends. If it is running and get first commission from these odd jobs, there will be feelings of addiction and a passionate zeal to work harder sell products such property.
Keep in mind that this work requires extensive knowledge on how to talk to prospective buyers and knowledge relating to the building materials. Do not until you do not know why a property products have a higher price with similar products elsewhere. Also learn how to obtain bank credit facilities and taxes. These things are very related to what you're doing as a freelance property agent.
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