Business and Finance Analysis

Archive for the ‘Finacial Tips’ Category

Want to own a business? But confused how to get started? Yes, I used to be like this. Willing to work, I was not passed the test, not a work of talent, not good at work, unlike most people, a talented labor. Fortunately that has talent to work, I own if test job interview, failing steadily. Already struggled through the test a psycho, but always failed in the interview, yes because the work was not talent, not good at work. The only way to eat, can have the money, can buy what they want, to live, it should be looking for money, the alias must be the business. Since not have the money to hold it’s not good, so it should make the effort. Well, so have a business, would be starting a business, because if not started, start a business, eventually it will not have a business.

Pas want to start a business, I was stuck in the capital. I try to invite my friends, I lay out a vision mission (Language is cool vision of the mission …), they are interested. However, fitting capital story, well here it is, problems began to emerge. Some are interested in, stuck. At that time both just graduated from college, is equally minimal capital. There are friends who major in economics, Pinter itung2an, stung capital, that the BEP, come out a statement: long seemed beyond their capital … “finally he took the road apply for a job. As for me? I had a talent not work. How? I’m confused then, finally, yes, my book baca2 successful entrepreneurs, such as Chandra Purdi Primagama Bimbel owners. Continue to read the newspaper also investigated the Bob Sadino. I read some books on self-employment again. Aha … finally I got an easy way to start a business.

Well, an easy way to start a business, the Start course. Just like going to walk away. Started to walk alone. With the new stepping will know apa2 which will be experienced, established, or risk. Itung2an may, it is necessary, but surely there is a miss that is beyond human Hungarian. For example, opening a store, there may be an entire stock purchase.

One form of rapidly increasing business trend today is an online business. Well about this online business itself many are still confused and often ask to me. Sharing what I know and control in this type. I myself was not an expert online business, because if say experts, this type of business are manifold. Hopefully what is written here can provide insight or add to an audience that is looking for info on the internet business.

A business should certainly have a product. Its products can include goods, services, information. In the online viewers could sell its own products (if any) or sell other peoples products. Become a reseller or affiliate with other people sell products is a great potential also in online business. Ebay, Amazon, Clickbank, is among three of perusahaan2 which provide the opportunity to become an affiliate of produk2 them. Clickbank provides a digital product that is in the form of an information product that looks audio, video. While Ebay and Amazon are more inclined to physical products, electronic goods, telecommunications, home appliances until, like a supermarket. Is this just? Surely not! There are many opportunities other resellers. Viewers can help sell products or expertise of others through this online business.

Want to know not how to be Rich? The rich make money producing, while the poor make money. Or any other language is rich make money work for them, while the poor work for money. Yes, poor people work for money. While the rich make money work for them. So the rich are different from the pattern becomes a pattern to be poor. would not it work for money? Where there are people who work not for money?? These questions often strike back when I am rich story that is not working for money, but money work for them. How come the rich arguably not work for money?? Instead they are rich because a lot of money, did they collect the money … How Mr. Huang said Rich make money work for Them.

Yeah, right! The rich have a lot of money. However, they do not work for money, or in other words, they work not to earn money directly. They work too, just like the average person. However, they work to build a source of money. I often URLs, they work “to grow a mango tree” or open “mango grove”. While the poor people to work “dining mahogany” directly.

Yes, directly mango is good, easy, just eat. Grow a mango tree, mango orchard moreover, takes the process. Viewers should prepare the land, looking for a good and proper seed and seeding process, to take care of pests and weeds, could be exposed to the fungus or pests disrupt or shut down when the growth process, however, when the mango tree was a big plus and growing, began to produce fruit -fruit, then that victory for the plant. He can eat as much and even mangoes can plant more mango trees. Any expenditure of time, learning and the money he spent during the planting to harvest mangoes, ranging from buying seeds, buying disinfectants, investing money and time spent, but according to natural law, who sowed, he reaped. Someone sows goodness, he will reap goodness. Someone has invested time, effort and money, so he will get the time, effort and money. So finally he made a mango tree had produced mango-mango. He also makes the source of money. Of mango-mango generated was, he sold his farm and he began to expand or create new gardens. This means he has to make money make money. This is called, Money has been working for the rich.

Today, learn the business from the richest man in the world No.7. Yes, in the article to learn the business before we learn of billionaires in the world no.3. Now the world’s richest businessman No.7. Probably never heard of the brand Louis Vitton? Christian Dior brand? yes leading fashion brands of the world. Various production luxury Louis Vitton handbag (LV) became a fan favorite shopping for luxury brands popular world. Who is the man behind the success of the LV and Christian Dior brand is this? Bernard Arnault is the second owner of this company. He was included in the ranks of the richest people in the world. Well, today we will learn the principles of a successful business with him.

Bernard Arnault was born March 5, 1949. He is the 7th richest person in the world and France’s richest people with an estimated net worth of $ 26 billion U.S. dollars, according to Forbes report in March 2007.

Famous alter Arnault of LVMH, the giant company’s luxury goods when he was in control in 1989, became a global company through acquisitions, marketing savvy, and bold designs.

Bernard Arnault is a native of Roubaix, and graduated with an engineering degree from Ecole Polytechnique in 1971. In 2007, Arnault was listed among the 100 Most Influential People in the World version of Time magazine. He was also a skilled pianist.

At the age of 35, using a combination of family and borrowing money, he bought Boussac, the French textile group that had gone bankrupt fashion house that has funded the original Christian Dior in 1946. Arnault stripped Boussac for Dior and use it as a vehicle to create LVMH, which was born from the merger in 1987 between Louis Vuitton and Moet Hennessy. Once in control, Arnault fired executives of both companies, inserting his own team, then spent years mastering the 90′s luxury brands, including shirt maker Thomas Pink, Chaumet jewelry, leather goods Fendi, Pucci and Donna Karan fashion, champagne company Krug, and watchmaker TAG Heuer. With his father, Jean, he still controls 47% and 63% of LVMH shares voting rights, while in isolation has 68% stake in Christian Dior Couture, part of Dior’s fashion.

Benefits of Financial Planning

Financial planning provides direction and meaning of your financial decisions. It gives you an understanding of how each financial decision you make affects all other areas of your finances. For example, purchase insurance products may help you to secure your assets or income potential, so that your work will be more peaceful, and family that you love will be protected financially. By viewing each financial decision as part of a whole, you can consider short-and long-term effects on your life goals. You also can more easily adapt life changes and feel more secure that your goals are still on track.

Have you made financial planning? Who needs financial planning? Who was most concerned with your life later? Do you own, your Parents, your children or someone else?

We as humans need the assurance of life in old age, we need a bit of certainty where we will be when we retire, we need well-being in old age. There are several options that we can do when we enter the age of retirement, including:

- Relying on others

- Dead

- Keep working

- Independent

- Rich & Prosperous

The decisions you make today will determine your future will be. We already know that in the future we have to face an uncertain and when asked to every human being would choose to live rich, happy and prosperous future parents. But how can we prepare our lives as a rich man, happy and prosperous? And keep in mind the wealth and prosperity is not built in a short time, it may not be built in a day, week or month. Welfare needs to be built in a long time by doing the accumulated bit by bit over the years.

In the future you should also be able to prepare the education costs for your baby, because it’s so expensive cost of education and of course the cost of living for his family in the future must also increase. We would be very unwise, when in old age, we rely on our children.

In doing financial planning, we just need discipline. We must have the discipline to make allowance for a portion of our income for investment, Invest with just because we can perform the accumulation of wealth so that when the time comes we will reach a value of wealth that will lead us to be RICH and PROSPER. Remember once again that wealth can not be formed in a short time, but need the process.

Good financial planning will make us get out of financial problems, we will finance our life with ease, we will prosper later in old age, we live free from financial problems and not depend on others. We are able to deal with future uncertain comfortably

with your financial plan that is easy to administer and make your financial future WARRANTED.

Many of us felt it was doing financial planning, but the facts show that the funds required at the time was insufficient. Survey conducted by AC Nielsen and Citibank showed that 70% of executives in Indonesia threatened poor old Day.

Step / Financial Planning Process You Must Go through

1) Determine your financial goals.

Is the goal to Children Education, Pension Funds, or pilgrimage, or other financial goals.

2) Calculate your financial goals and achieve them srategy.

You must determine the amount of funds needed in time, eg, while studying at Medicine would cost how much. Besides, you also must have a strategy so that goals can be achieved. One strategy is one of them is to choose a vehicle that suits you so that the goal can be achieved. It could be a vehicle insurance, or other investment instruments.

3) Implementation in accordance with the time available and the risks you

You will reach the goal must be to see when it’s time to be achieved, the sooner you start the better the results will be.

Example: Want to raise funds amounting to $ 500 million for the college in Medicine at Children age 18 years. Assuming the investment return of 15% per year then takes the savings amounted to $ 633,848,000 each month when you start  at Children 2 years of age. But when you put it off and just started at the age child 10 years, then you should set aside funds every month amounting to 2,722,703. That means the sooner you start the funds you set aside of course lighter. Remember Time is Your Friend in investing.

4) Monitor and conduct periodic evaluations

Once you’ve invested, the next step is to monitor to match the direction of the goal. Perform the evaluation as well so what is the goal could be achieved.

5) Revision of strategy and planning

Not his fault you do a revision of strategies and plans that you already use. This revision is intended to keep the financial goals can be achieved in accordance with the time, or can be used to accelerate the achievement.

• Coat ‘Cheapest’. Want mendapakan cheap price, look for items with the symbol ‘cheapest’ or ‘price promotions’. Although the difference may be thin, at least the price is more skewed. If you consider the price-quality low sodium absorption ratio must be good, it’s not necessarily like that. Sometimes a cheap price because the item is a new product, the product issued by the supermarket itself or the product is still in the stage of promotion. So price is not expensive products and sidah famous yangsudah advertise here and there.
• Buy 2 Get 1 Free. Sometimes at certain moments, supermarkets offer buy one get one free the same product. In fact, there is also a buy two get one free again. Well, take advantage of this offer is the best. It’s possible you’ll shell out more because it should have bought one in two. But remember, Adna get free product that you can use as stock. So you do not need to spend money to buy goods such as belaja next month.
• Shopping Day Friday. Certain supermarkets often conduct promotional programs or cash back rebates. Usually this campaign in collaboration with the Bank or credit. For example, BNI credit card ever made campaign Friday called Saver. On that day, cash back is given to customers who transact in the supermarket on Friday alone.
• Buying Volume. Buying goods with a retail price is usually more expensive than if you buy in bulk or wholesale. Indeed, sometimes the difference is not too much. However, if you calculate the monthly budget, not bad tuh! For certain goods such as soap, toothpaste, tissues, should be purchased in large quantities. Generally ‘fall’ would be cheaper if purchased in large quantities at once. After all, this stuff you can hold for a period long enough.

So if you want to make healthy financial condition, start by making savings in this sector. Here are Tisp frugal shopping at the supermarket:

• Create a Shopping List. Shopping list are often Considered trivial and ultimately ignored. In fact, it is critically important for you to do before you go shopping. By compiling a list of items to be purchased, you learn discipline and be obedient to the plan you have balanja own bunk. ercayalah, where you’ll be spending a lot of stuff that makes you interested to buy it. So, get used to focus! That’s what made a shopping list.
• Catalogs and Newspapers. If you carefully read the newspapers, you’ll see that on certain days, a number of supermarkets will advertise their flagship products which are down in price. Usually the price is valid for the weekend or from Friday-Sunday, guaranteed competitive pricing. You can also see the price of goods being unloaded through the catalog. Every supermarket routinely issued catalog prices, which are usually valid for 1 month. Well, now do not be lazy read the newspapers or flyers. Who knows these days you’re lucky to get a discount for goods that do want to buy.
• Midnight Sale. Midnight Sale only there in Giant Hypermarket, every Saturday at 22.00 – 24.00 pm. This supermarket hold a Midnight Sale. This event provides discounts alias substantial discounts for certain items. In fact, sometimes up to slam the price. Shopping efficient with a atmosphere that is not too crowded!

1) We are in the information age. Today, what you have learned becomes obsolete quickly. What you learn is important, but not as much as how fast you learn, change and you adapt to new information.

2) Financial Education. We need more education but not the traditional type. Each student now needs financial literacy education is needed to convert money earned in their profession in long-term wealth and financial security.

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