business correctest

if speak what correctest, most know actually you, not i. opportunity of that effort always there, may be you not yet detect many existing opportunities, so that choice of opportunity of your effort is new a little. try to conceive if you detect all existing opportunities of effort, you live to choose which that suited for you. so it is better you read all existing opportunities. its way a lot of, can with read book, magazine, newspaper, internet, imitate effort of your friend, follow practice, even muse also can,  and still a lot another. necessary payed in use your money for effort, don't put all your moneys in effort. save beforehand for your reserve fund, that is as big as 3-6 month of routine expenditure of your family. this is to awake kok, if your family loses income, so that reserve fund can give your family is income until you can get income return.

 

Finacial Freedom

financial freedom oftentimes at has interpretted as a(n) where somebody unnecessary worked again but still permanent get income last for support it. so that although he works, not again because expect money but really for delight.

 

in line with latest point a while ago, but more berorientasi deity. myself define financial freedom as a(n) where does somebody laid treasure at his arms, but not at the heart.

 

to be able to achieve financial freedom like in explanation of first, the key with has passive income. that is income of permanent walk without having to you work physically.

 

passive income can has with two manners. first, that is with has business self and extradite the management in another person. as owner of business, you are unnecessary jumps down direct run effort, but live to supervise it. and of course, the profit will flow to your money supply as the owner.

 

second manner to has passive income with does investment. investment in product of clear finance doesn't want physical activity. necessary done only monitor to ascertain that permanent the investment beneficials.

 

but how does manner begin it? unlimited your income, cast aside partly for capital employed or investment. your ever greater separates out income, faster also you can begin to do investment or open effort.

 

has passive income can make treasure reside in your hand, but doesn't release it from your heart. for that, at will beed clear idea to be able to will free heart from solicitude treasure. with think clear, will not felt deficit with treasure a little,  and will not extravagant with treasure many.

 

make estimation as friend

budget not a tie die that make you must felt strangled by heavy burden because obligatory obey it. than make that thing as something that causess to wickedness, better consider it as your friend. mean, if you go to store to buy clothes, for example, be succumbed that will remind you, to a point which you may shop,  or coat until what price can you buy.

 

here's simple step makes estimation:

·         list all enterings (salary, addition honorarium,  and others).

·         list permanent expenditure that wants not want must be paid.

·         list expenditure not permanent, like to buy new coat, eat at restaurant, go on vacation, buy cd, watch,  or to various contingent expense, like cost to doctor, family marriage contribution,  and another.

save? choose correct bill!

choose bank institution frequently more based in suggestion from ones closest, like parents or friends. anything their suggestion, ascertain you choose bank that well so that not confused moment bank suddenly at liquidation. don't only choose bank because incessant the advertisement or present tempts on the market.

 

many customers frequently not realize administrative fee exercise that applied on their bill. bank self even also frequently not feel important to give information that thing transparently to customer. while, thousands dollar even millions dollar scooped up only from administrative fee. at australian, for example, there consumerism regulation from Australian Securities and Investment Commission (ASIC) hits openness enhanced towards also transaction cost passes bill to various payment. in indonesia, unfortunately, such regulation there is no so that cost magnitude that is worn by bank even also be wisdom from each bank. bothing;there is no the wrong you choose bank that apply lighter cost, good to also various transaction.

 

at internet era likes now, may also you choose bank the savings product can be accessinged according to online, good to merely detect latest balance also do various payment transaction. sure you must sure in advance online transaction security guarantee whom you do.

 

receive goods credit offer

this time, what not be can be bought by credit? vegetable expense and food at market selfservice even also can be payed with credit card. well, before you decide to buy according to credit, follow tip follow:

 

know categorically savings total and cashflow montly you. lessen entering total with your montly expenditure. number remained your maximal ability to saves or shop.

 

for instalment via credit card, will ascertain you has ability to will pay claim total at per month (bot merely claim number minimum).

 

when is instalment montly that must exceed your finance ability, applied discipline to only buy goods that wanted according to cash. mean, sometimes must save and wait until your savings suffices to buy goods that wanted.

 

force upon self buys goods according to credit, while the montly instalment exceeds your ability pays montly, cause goods that bought to be far more expensive from price at first, because Interest effect and credit bloomy Interest that applieds.

 

tips another newest finance, can you read at money column expense

income rises or go down?

every year company usually really give salary increase to employee. increase percentage can various, with various indicator, begin from itself employee performance exercise, up to luck not the luck companies. usually, salary increase has been foregone by increase of price various need goods everyday. so, not yet sure your income is year this bigger at equal last year. follow manner measures it.

 

• real growth ratioes = ((income year this is - income year then) /income year then) - rapid inflation. for example, your income is year this is rp5,5 million, temporary last year rp5 million, rapid inflation 7%. so real growth ratio you enjoy = ((rp66 million - rp60 million)/rp60 million) - 0,07 = 0.03. mean, your income is in one year this grows 3% above rapid inflation.
• when does that ratio zero, mean your income only can to close rapid inflation.
• when does that ratio negative, your income is actually exactly experiences depreciation really. so, bersiap tighten belt!

hunt business opportunity

look for effort idea really can wherever. around your house, at around office,  or moment you walk along or go to go on vacation out city. tip will follow also will help you will find fit business.

 

·         find product or new service appropriate know-how or your skill area.

·         when get product or popular service in place you visit but unheard-of in place you, may be this can be brought to go home and popularized.

·         choose product or service whom you also like to use it self. your confidence is towards product or that service will make your recommendation towards another person will be more will convince.

 

successful correlating businessman

begin new business be a choice that must considering seriously, because has tall risk level. does the trick?

• remember, that business first one aim chase profit. to do so, you must can to give service or product that wanted consumer. product or that service must has extra value or uniqueness at your business competitor equal.
• there so much book, workshop,  and seminar that made special to entrepreneur. study and attend, so that you can learn from error and another person success.
• you will want more many funds to will begin business. remember that kalends profit must return to business in order to defend effort continuance at future.
• your first task is runs business self. begin with realize and learn base purchasing, marketing, accountancy,  and public relations.
• must creative, creative,  and creative!

 

voluminous asset vs bonproductive

during the time may be you have felted roomy because has house, vehicle, decoration savings,  and savings. with has all that, you have felted has asset that certifiable to awake when you have a urgent requirement. but, opinion Robert T. Kiyosaki in the book cashflow quadrant, may be can make you think to repeat.

·         asset something that produces money entering to the owner.

·         property not asset because exactly evoke expenditure other, like treatment cost, repair, tax,  and others.

·         savings really give flower, but more will be asset non- voluminous because from opportunity side more will beneficial if used to correlating business.

save, don't delay again!

force self to save may be not as easy as at day-dream. but, if success do it, life funer ready wait for. follow tip to begin to save.

·         prepare big energy to overcomes to reluctance saves. once you begin, furthermore will be easier.

·         cast aside 10% or more than your dirty income is to is saved and don't especial work. 

·         if difficult begin from 10%, begin from 1%, dissociate in special bill.

·         after accustomed to 1%, slow boost up to be 2%,3%,5%,  and further up to lost to total whom you add monthly be enough significant.

·         take care discipline save. botice that it by your future.

successful correlating businessman

begin new business be a choice that must considering seriously, because has tall risk level. does the trick?

 

o remember, that business first one aim chase profit. to do so, you must can to give service or product that wanted consumer. product or that service must has extra value or uniqueness at your business competitor equal.

o there so much book, workshop,  and seminar that made special to entrepreneur. study and attend, so that you can learn from error and another person success.

o you will want more many funds to will begin business. remember that kalends profit must return to business in order to defend effort continuance at future.

o your first task is runs business self. begin with realize and learn base purchasing, marketing, accountancy,  and public relations.

o must creative, creative,  and creative!

income rises or go down?

every year company usually really give salary increase to employee. increase percentage can various, with various indicator, begin from itself employee performance exercise, up to luck not the luck companies. usually, salary increase has been foregone by increase of price various need goods everyday. so, not yet sure your income is year this bigger compare last year. follow manner measures it. 

 

0 real growth ratioes = ((income year this is - income year then) /income year then) - rapid inflation. for example, your income is year this is rp5,5 million, temporary last year rp5 million, rapid inflation 7%. so real growth ratio you enjoy = ((rp66 million - rp60 million)/rp60 million) - 0,07 = 0.03. mean, your income is in one year this grows 3% above rapid inflation.

 

0 when does that ratio zero, mean your income only can to close rapid inflation.

0 when does that ratio negative, your income is actually exactly experiences depreciation really. so, bersiap tighten belt!

save, don't delay again!

force self to save may be not as easy as at day-dream. but, if success do it, life funer ready wait for. follow tip to begin to save.

·         prepare big energy to overcomes to reluctance saves. once you begin, furthermore will be easier.

·         cast aside 10% or more than your dirty income is to is saved and don't mengutak-atik.

·         if difficult begin from 10%, begin from 1%, dissociate in special bill.

·         after accustomed to 1%, slow boost up to be 2%,3%,5%,  and further up to lost to total whom you add monthly be enough significant.

·         take care discipline save. botice that it by your future.

make estimation as friend

budget not a tie die that make you must felt strangled by heavy burden because obligatory obey it. than make that thing as something that causess to wickedness, better consider it as your friend. mean, if you go to store to buy clothes, for example, be succumbed that will remind you, to a point which you may shop,  or coat until what price can you buy.

 

here's simple step makes estimation:

·         list all enterings (salary, addition honorarium,  and others).

·         list permanent expenditure that wants not want must be paid.

·         list expenditure not permanent, like to buy new coat, eat at restaurant, go on vacation, buy cd, watch,  or to various contingent expense, like cost to doctor, family marriage contribution,  and another.

save? choose correct bill!

choose bank institution frequently more based in suggestion from ones closest, like parents or friends. anything their suggestion, ascertain you choose bank that well so that not confused moment bank suddenly at liquidation. don't only choose bank because incessant the advertisement or present tempts on the market.

many customers frequently not realize administrative fee exercise that applied on their bill. bank self even also frequently not feel important to give information that thing transparently to customer. while, thousands dollar even millions dollar scooped up only from administrative fee. at australian, for example, there consumerism regulation from australian securities and investment commission (asic) hits openness enhanced towards also transaction cost passes bill to various payment. in indonesia, unfortunately, such regulation there is no so that cost magnitude that is worn by bank even also be wisdom from each bank. bothing;there is no the wrong you choose bank that apply lighter cost, good to also various transaction.

at internet era likes now, may also you choose bank the savings product can be accessinged according to online, good to merely detect latest balance also do various payment transaction. sure you must sure in advance online transaction security guarantee whom you do.

receive goods credit offer

this time, what not be can be bought by credit? vegetable expense and food at market selfservice even also can be payed with credit card. well, before you decide to buy according to credit, follow tip follow:

know categorically savings total and cashflow montly you. lessen entering total with your montly expenditure. number remained your maximal ability to saves or shop. 

for instalment via credit card, will ascertain you has ability to will pay claim total at per month (bot merely claim number minimum). 

when is instalment montly that must exceed your finance ability, applied discipline to only buy goods that wanted according to cash. mean, sometimes must save and wait until your savings suffices to buy goods that wanted. 

force upon self buys goods according to credit, while the montly instalment exceeds your ability pays montly, cause goods that bought to be far more expensive from price at first, because flower effect and credit bloomy flower that applieds.

tips another newest finance, can you read at money column expense 

femina 39, circulate: monday, 25 septembers 2006

OVERCOME CREDIT CARD PAYMENT PROBLEM

as according to indonesia bank rules, so counted begin your claim is payment next month minimum as big as 10 percents from your claim total magnitude.

 

if you have credit card, you certain get notification such as those which as described on. yes, since beginning year this, you must pay minimal bigger instalment at compare previous only 6 percents from claim. so, if you have claim $2000, must pay minimal $200. while previous, you" free" if pay $120.

 

rule really invite many hard reactions from customers. while indonesia bank take outside that rule be made exactly to spur on person so that soon can finish the debt and not drowsy with payment minimum final be load that congest.

 

but for rule credit card user will decrease quotum for the other post payment. but how again. the name we are as side debt. so to want doesn't want must come along rule of the game that give debt.

 

well that must we look for the solution how overcome that rule problem? as long as this is at beginning year, identical with new plans, so hereunder i shall try affection 5 matters that to face new regulation.

 

1. pay formerly, don't postponed

there wrong habit often we do in pay credit card. fund is taken after all needs or willing is fulfilled. that also if still remainder. sure this is bot true. if really want to pay, yes don't postpone. for example, you are date payday 25. yes pay your claim soon after payday, although payment due, for example stills date 10 and you not yet get claim details. best, you are permanent soon pay. what does magnitude, hat computable. so bothing;there is no reason to postpone.

 

2. specify what that ready you pay before you genuinely wear the card.

this one of [the] manner to regulate your expenditure. say last month your claim zero. then, you are expense at amount of store, where your claim total for this month $250. well, after you do payment as big as $250 for that claim, will try to specify what value that you will pay for next month. for example, $250 again. the effect, in in front of, nature under aware you will say that you can not shop more than $250. thereby, supposed you will be more focus and discipline towards your expenditure. not ever  wear this manner?

 

3. use selection wisely.

come on deh, honest, sometimes we belittle minimal claim total magnitude 10 percents. but you are aware not that your credit card per annum burden interest very big - can around 42 percents - for oustanding invoice can not be liquidated? so if you buy a ps3 player the price $1000, so in 12 total months that must you pay can around $1420. wow, almost half it yes? . monstrous? so, try to wear your card only when are you sure that you pay the claim.

 

4. card priority with low flower.

you have more than one card? well begin to prioritise use in card that burden lowest interest. why? this is because moment pay claim, a part your payment is pays flower. so if you pay only minimal as big as 10 percents, so 3,5 the percents pay interest. lost kan? so, henceforth, if you have more than one card, card priority with bottommost interest in advance.

 

really, card minimal payment reformation from 6 percents is 10 percents there surplus and the deficit self. but optimist as one who there is nothing wrong, we see a certain from any good. then, where the good change? that credit card debt quicker will be paid. yes not?

 

then, how with consequence that you may be sacrifice expenditure post other? true, if you have dared debt, mean the consequence, you are permanent must pay although that enough heavy.

 

 

then, make are there credit card? main profit only one: you are unnecessary brings mint of money cashes every time does goods purchasing transaction and service. conceive if you must mention cash $500 until $1000 at your purse, while you must often take a trip with city bus.

 

return to claim a while ago. how if you not liquidate all at once? there interest that must you pay. magnitude around 2 until 3,5 percents from claim total not yet paid.

 

if you don't want to pay totally your claim, credit card usually give ease shaped minimal payment rule. magnitude varies, around 5 - 10 percents from your claim total is month.

 

problem usually begin to appear when you begin accustomed dislike to liquidate claim fully. you only liquidate minimal claim every the month. temporary frequency and credit card use value rather than decrease but even increase.

 

example, june month credit card use total 1000. when does claim come, only liquidated as big as $150. in july, the use total $1500. when does claim come, only as big as $250 the amortisasi. in august, the use total $2000. when does claim come, only as big as $350 the amortisasi. so then.

 

well, because every total will not be liquidated be hitted interest around 2 - 3,5 percents per month, so at one time certain, claim total very tall so that you will not can again liquidate it all at once. when does credit card total you have there many, more difficulter you get out of claim trap.

 

then who wrong? is bank credit card publisher? not, father and mother. the problem frequently lay in card user self. a lot consider or laid credit card as money addition tool. so, in mind they, has credit card with use limit 4000, for example, that is same like income addition as big as 4000.

 

as is the case? not. that card only cash successor tool. every your time wears card, mean there your money that decreases to pay goods price or service whom you buy.

 

really, there are some credit card publisher bank that give added value to the card, like various insurence, electronic goods, until free holiday out country. good, but permanent you must aware, only one credit card function: cash temporary subsitute.

 

for you in this time trapped problem with credit card, don't blame your card publisher bank. they not wrong anything. don't also blame your self, because consider yesterday that you really not yet knew many strategy exercises used credit card. best you do one: pay slow your claim. call card publisher bank because they can give best amortisasi efforts solution for you.

 

speak about credit card, also often i find that credit card use problem often appear because system less correct in finance management at family.

 

100 effort kinds that can be begun from dining table at house kitchen you

effort that can be run at house not should be done by everybody. you can run effort you at house although you a toddler, old, man or woman. you can successful suppose you have plan planning, well-being idea and commitment try seriously. you also can successful if get support than person present around you.

the example likes wife or husband and children or father mother and younger brother will give aid in form materials and moral. they are necessary realize career you and always give support. 

majority person actually very afraid to begin a certain, even less i am suppose they has job that waged previous permanent. failure shadow always play at idea and their brain. to achieve success, you necessary behave openly and sure on what want you do. you also necessary ascertain that you genuinely sure and know to hit effort that you ceburi that and you study it. 

every new effort that is done necessary there planning careful and make income statistics. don't make hindrances beginning as murderer effort you. certain you meet one thousand one kinds prila and indication customer you, this matter is usually operative

because very impossible for us to fulfill all their demands. experience and erudition in area you will enter later also will be one important case that will be ‘ teacher ’ very valuable to you later. also illumination vitally to company you. without make illumination and introduce to company you mean tida there the to it effort you that. illumination meant that be one task so important insides company you, equally he is called advertisement. 

because that's entrepreneur successful always it allocate a part big the expenditure for promotion and advertisement. they will inform and introduce company them with spread once. future customer sure want to detect what being run and how can they contact you later.

cheap manner to makes advertisement with circularize essay/ flyer company you complete with address and telephone number for their ease contacts you. if you has ease other like engine faks, computer and this internet can add again efforts company you where you run company you according to spread without limitation. 

use all eases and existing communication technology if you can for increase company you. advertisement in newspaper or also be one of [the] manner to promoting to company you with cost rather cheap. cards company / business card also important. you can be contacted and contact customer variously, either according to then, correspondence, telefon, faks, email, internet and as it. 

effort that can you enter not limited the number and you can choose various category there. many person that begin effort doesn't has experience that suffice, on the contrary they progress and bloom to pass fisikal and strong way of thinking with capital in the form of money. 

marketing easier will help to increase to company you faster again. one of [the] easy marketing manner, hurry and popular with doesn't need tall skill by using system mail order and or use effort system according to post. be this registerred a part than manner to run company from dining table at home you. 

  

spokesman companies

saving and loan service

company (accountant)

order service - effort

service recycle

(cycle repeats)

clipping service

collection service

service faks

promotion service

photo expert

catering

care flower / plants

broker information

security data

data enters

fit-up computer

computer teacher

d. j. directly

promoter sale

broker printing

broker soil

broker vehicle

wash apartment

interior design /

configuration house

auction/commodity agency

paint advertisement board

lawyer

repair pipe

repair electricity device

type

sew

change flower

art plaits

teach take lessons

dance teacher

teacher kungfu

dish teacher

sell food

sell breakfast

rent flowers

rent video ribbon

photography teacher

teacher sews

embroidery teacher

music teacher

song teacher

religion teacher

teacher iqra al-quran

medical science

tradisional therapy

hair makeup order

telephone-shop service

repair car

repair motor/bike

finance adviser

rent room

marriage adviser

take marriage photo and family

rent vehicle

look for antique goods

multi level marketing

sell party equipment at home

sell to pass telephone

guide

deliver goods

make rubber stamp

print t-shirt

make tool

make industry goods

make confectionery

make cracker

rent music device

paint

make graph

repair jeans and clothes

make and sell woman accesory

make and sell badge

sell cendramata

make rail fence

sell firewood

be agency import eksport

sell village fruits

sell vegetables

sell fish perliharaan

paint design/building

write to book/write drama script

write novel / eery story / adolescent

write message / newsletter

journalist parttime

paint cartoon

write article

job agency

vehicle insurence agency

write official letter

fill official form

published pilot hartanah

typesetting

comedy

translator

proofreading

editor

make party decoration