If you want to have a business, either small or large, we should have an idea about what business will be tilled. Where do business ideas come from? The idea of business will be easier if we can we be sensitive and care about ourselves, family, friends, and surrounding communities (starting RT level to the national, even international).
Caring for yourself is how we recognize the abilities, interests, talents, and so forth. Many entrepreneurs are successful because he can take advantage of the ability / interest / her own talent combined with the foresight to see the market opportunity.
How a Purdi E. Chandra (owner Primagama Education Institutions) to start a business? He moved from the ability of self, namely teaching and combined with the foresight to see the market or opportunity by the number of high school students who want to pass the test get into public universities. He also founded the guidance of learning. Is the ability and the market potential, Purdi E. Chandra can capture many of the students in the first place? Apparently not. Why? Because the society or the market is not convinced and have not seen whether he can guide students so that they can pass the test to a state college? What did he do? At first she did to eliminate the cost of promotion courses for students at the time the business starts. Having proven and confident society, start tutoring is growing rapidly, even he now has many types of business from the results of the tutoring business.
There is another example of garbage in Bandung, a businessman who is successful and managed to develop a waste recycling business. In fact, now he has some kind of business in which a housing developer. Where do business ideas come from? A lot of rubbish scattered about, and he saw many types of recyclable waste such as plastics into plastic ore, etc.. Imagine the waste can be managed into a big business! Where did the idea of business? From seeing the neighborhood! If today we do not have an idea, less able to observe the surrounding environment, try to find new friends or acquaintances as much as possible. One way, read the ad in the newspaper business opportunities / letter khabar. Observe the advertisements, especially ads mini every day.
Many are offering business opportunities or products that are sold that you actually have the opportunity to join market these products. If we are observant, may be able to make similar products with the capability we have with price and better quality. Contact person, ask for an explanation as complete as possible so that we can market these products. But be careful! Because a lot of money game or even practice fraud. The key to avoiding scams is not to go into a business that requires us to deposit money first, before we try or get benefits. Try to ask follow market these products in a freelance first, then after making sure we are able to sell, so-so buy the product for inventory.
So the key to starting a business is a business idea! After realizing the business idea business ideas and before starting a business, do the following:
OBSERVATIONS DO and deepening of the intricacies BUSINESS ON SUCH.
Before realizing the business idea, learn the ins and outs of the business, good or not? How the production process efficiently? From where we buy their raw materials? Who are potential customers or customer characteristics? Where we will market and sell it? What is the pattern of marketing and sales? The best way is to look successful businessman engaged in the same field. If our business is really new, at least learn how successful entrepreneurs run their business. Finally, recognize the risks as well. We are mentally prepared to risk? One characteristic of successful entrepreneurs are willing to take risks along the risk had been taken into account. Dare to take calculated risks is a key early in the business world.
HOW DO TRIALS TO TEST MARKET
Benefits of market testing is to obtain feedback on potential customers about the products we offer. For example we make the cake, before selling them try to provide for free to the neighbors and the environment. Of course, in limited amounts in accordance with our abilities. Ask for opinions from neighbors or the environment on which we make these products, enakkah, less sweet or less interesting shape? Add to criticism and suggestions as a valuable input to make improvements little by little, so that our products truly ready to be launched with a larger scale.
Arrange the BUSINESS PLAN.
This plan could include setting product names, packaging products, production processes, distribution channels are selected, the necessary additional capital, the people who will be invited to work together, both as investors, employees, suppliers or products. Also think about marketing strategies that will be executed for example with flyers, brochures, catalogs, via the website, mailling lists, or advertisements in the media, social organizations, etc.. Generally, in small business, business location or place of marketing / strategic outlets to be one of the keys to business success. Necessary flair and courage alone how to get a place of strategic marketing with limited capital. The easiest way is to work with the owner of the place through a system of profit-sharing or for profit.
START NOW.
A business idea will still be an idea if no action to make it happen. With a start, we can gain valuable experience and lessons that can be used to systematically improve the business. If mentally ready, start from now even though we may still have some limitations and obstacles that exist.
FACE AND OVERCOME OBSTACLES OR FAILURE.
Based on experience, perhaps no one was successful entrepreneurs do not experience delays or even failure in the course of their business. We should have a positive attitude, what happens is what's best for us. Why? Because, it is God's promise. Barriers and failure is a lesson we should take lesson. No we know it will strengthen and sharpen intuition and our ability in entrepreneurship. Every effort is always going to have a risk and when that happens, be prepared, and face with a head cold.
TYPE OF BUSINESS
Type of business suitable for the small investor or even no capital is:
Market products or services of others. We recommend products or services that many people need or specific product are rare but there is actually a fairly large market.
Business foods and beverages such as cakes, bread, ice juice, meatballs, chicken noodle, etc. can be tried. Business handicrafts such as souvenir items, knick-knacks household needs, etc. Services such as hair cutting, tailoring, obras, consultants, maintenance of the letters.
Do not get discouraged if you start a business with little capital or no capital. There is always another way to Rome, so says a proverb. Throughout we will try, with God's permission, be assured that our efforts will become a reality.
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Sunday, March 27, 2011
Wednesday, March 23, 2011
Wise Use of Credit Cards
Credit cards were first introduced in the 1920s in the United States. At first people called as plastic money. Later plastic money or credit card attracts the attention of people around the world.
Then in 1985, introduced a credit card with an exclusive hologram sophisticated. Hologram on the credit card was made with the visible laser beam three-dimensional shape. In addition, the credit card given other security features, including special codes in the magnetic line behind him to form an invisible sign that appear under ultraviolet light. There is also a credit card that was given the photo owner. The goal is to avoid fraud and misuse of credit cards.
Although using credit cards more freely and easily, but to remember is to use a credit card just as you owe. When buying something, you do not need to spend money but enough to swipe a credit card. Transactions purchases made within a period of one month are accumulated into the total bill to be paid. On a certain date each month to the maturity date which is the date by which you paid the bill. Previously, invoices will be sent, which contains details of the transaction date, the total bill and the minimum amount to be paid.
Credit Card Benefits
Your credit card will be very helpful especially in times of emergency when we do not have the cash. For example, when I had to pay the hospital. Credit cards give up to one month grace period for repayment. So if we do not have cash, we are still able to pay hospital fees and credit card bills paid after receiving salary or if we are forced to installments for some time.
By the time you have to transact online, one of the most popular payment is by credit card. Another benefit is when you have to go to a place that is not wise to carry cash.
You can also take advantage of promotions from credit cards to get discounts on meals at certain restaurants or while shopping at a particular place. If the purchase is important and necessary of course you will benefit from discounts obtained. But this needs to be examined properly. If not, will make us to be extravagant by buying goods that do not need or dine at the restaurant for being attracted to the discount given.
Dangers of Credit Cards
Because of its simplicity and no need to spend money when buying something, often we are too busy to shop regardless of how much total money that has been issued. Moreover, because do not use cash, making the total grocery shopping does not seem large compared with cash. As if we still have a lot of money because of unused cash.
However, if you do not pay in full the total bill then the danger is ready waiting for you. While you will be able to pay the minimum amount that is usually only 10% of the total bill. However, the difference will be counted as debts to be paid and interest is very large. As a result, the total to be paid would be enormous and will continue to bloom so that the amount to be paid will be more swollen.
If you have not paid off for some time, the bank will bring in debt collectors that the rough will force you to pay the arrears. Many credit card users end up having to sell his property to pay off debts to swell due to credit card interest. Pelu known, that most credit card rates than other types of credit.
Credit cards are also often used in fraud. Someone or some institution might fool you with a variety of ways to get your credit card number. Next, they will make a purchase or making money with your credit card number that will be charged to you as a credit card owners.
Tips for Wise with Credit Card
Flexibility and many benefits offered credit card partially offset by the danger of either temptation to buy and live beyond the capability. It is also the danger of abuse and credit card fraud. Given the dangers that threaten behind the use of credit cards, then the prudent thing what can you do?
Do not have too many credit cards
Having many credit cards will cost you to pay annual dues and make you tempted to spend more. A maximum of 2 credit cards are a must-have. If you have more than that, you should immediately close the other credit card. Considerations in choosing a credit card which will be maintained, among others, interest rate credit card, credit card limits and benefits offered by credit cards really useful for you.
Budgeted funds for credit card
In preparing the budget, enter the maximum amount of funds which may be used by credit card.
Recording the purchase using credit card
With a record will help you find out how much you should pay so that will help you to 'brake' next purchase. This entry can be matched to invoices to make sure you really make the purchase.
Try to always pay the full bill
This is useful so that you are not burdened by a very large flower. Do not be tempted to just pay the minimum bill. If you already have a mortgage or credit card debt, prioritize earnestly to immediately pay off your debt by being more efficient. For example, by reducing the visiting cafes, malls or eating out. If you are boarding or renting a house, consider whether you can move to another place is cheaper.
Avoid using credit cards to withdraw cash
Credit cards can be used to withdraw cash at an ATM, but it is not free. You must pay interest on cash withdrawals of its value even higher than the rate for spending.
Beware of credit card fraud
Credit card scam is increasingly diverse both by telephone and Internet. So, keep careful not notify the credit card number, expiration date, or other information to strangers. Nor should lend credit cards to others.
Read More..
Then in 1985, introduced a credit card with an exclusive hologram sophisticated. Hologram on the credit card was made with the visible laser beam three-dimensional shape. In addition, the credit card given other security features, including special codes in the magnetic line behind him to form an invisible sign that appear under ultraviolet light. There is also a credit card that was given the photo owner. The goal is to avoid fraud and misuse of credit cards.
Although using credit cards more freely and easily, but to remember is to use a credit card just as you owe. When buying something, you do not need to spend money but enough to swipe a credit card. Transactions purchases made within a period of one month are accumulated into the total bill to be paid. On a certain date each month to the maturity date which is the date by which you paid the bill. Previously, invoices will be sent, which contains details of the transaction date, the total bill and the minimum amount to be paid.
Credit Card Benefits
Your credit card will be very helpful especially in times of emergency when we do not have the cash. For example, when I had to pay the hospital. Credit cards give up to one month grace period for repayment. So if we do not have cash, we are still able to pay hospital fees and credit card bills paid after receiving salary or if we are forced to installments for some time.
By the time you have to transact online, one of the most popular payment is by credit card. Another benefit is when you have to go to a place that is not wise to carry cash.
You can also take advantage of promotions from credit cards to get discounts on meals at certain restaurants or while shopping at a particular place. If the purchase is important and necessary of course you will benefit from discounts obtained. But this needs to be examined properly. If not, will make us to be extravagant by buying goods that do not need or dine at the restaurant for being attracted to the discount given.
Dangers of Credit Cards
Because of its simplicity and no need to spend money when buying something, often we are too busy to shop regardless of how much total money that has been issued. Moreover, because do not use cash, making the total grocery shopping does not seem large compared with cash. As if we still have a lot of money because of unused cash.
However, if you do not pay in full the total bill then the danger is ready waiting for you. While you will be able to pay the minimum amount that is usually only 10% of the total bill. However, the difference will be counted as debts to be paid and interest is very large. As a result, the total to be paid would be enormous and will continue to bloom so that the amount to be paid will be more swollen.
If you have not paid off for some time, the bank will bring in debt collectors that the rough will force you to pay the arrears. Many credit card users end up having to sell his property to pay off debts to swell due to credit card interest. Pelu known, that most credit card rates than other types of credit.
Credit cards are also often used in fraud. Someone or some institution might fool you with a variety of ways to get your credit card number. Next, they will make a purchase or making money with your credit card number that will be charged to you as a credit card owners.
Tips for Wise with Credit Card
Flexibility and many benefits offered credit card partially offset by the danger of either temptation to buy and live beyond the capability. It is also the danger of abuse and credit card fraud. Given the dangers that threaten behind the use of credit cards, then the prudent thing what can you do?
Do not have too many credit cards
Having many credit cards will cost you to pay annual dues and make you tempted to spend more. A maximum of 2 credit cards are a must-have. If you have more than that, you should immediately close the other credit card. Considerations in choosing a credit card which will be maintained, among others, interest rate credit card, credit card limits and benefits offered by credit cards really useful for you.
Budgeted funds for credit card
In preparing the budget, enter the maximum amount of funds which may be used by credit card.
Recording the purchase using credit card
With a record will help you find out how much you should pay so that will help you to 'brake' next purchase. This entry can be matched to invoices to make sure you really make the purchase.
Try to always pay the full bill
This is useful so that you are not burdened by a very large flower. Do not be tempted to just pay the minimum bill. If you already have a mortgage or credit card debt, prioritize earnestly to immediately pay off your debt by being more efficient. For example, by reducing the visiting cafes, malls or eating out. If you are boarding or renting a house, consider whether you can move to another place is cheaper.
Avoid using credit cards to withdraw cash
Credit cards can be used to withdraw cash at an ATM, but it is not free. You must pay interest on cash withdrawals of its value even higher than the rate for spending.
Beware of credit card fraud
Credit card scam is increasingly diverse both by telephone and Internet. So, keep careful not notify the credit card number, expiration date, or other information to strangers. Nor should lend credit cards to others.
Read More..
Saturday, March 12, 2011
Tips for Becoming a Successful Freelancer
Not a few freelancers who failed due to unable to work or get a project so it does not receive payment. If you do not want this happened to you, there are some things you should do, namely:
Discipline
Because you are free to determine the time to work on your project, it does not mean you can be free. If you are not disciplined, then the project had been neglected and passed deadlines that have been determined, so can not be resolved. Discipline must be applied with a good time while working on a project
Having an extensive network
Because must find their own projects, so if you have more friends, certainly can help you find the desired project
.
Note the talent and character
Each person memiiki talent and unique nature. Watch it in yourself so you can find the appropriate fields and not merely follow the trend. For example: If you are a shy whenever they have to offer a product to friends, then became an insurance agent may not be suitable for him.
Customer oriented
Consumers can become an effective means of promotion. When your work well, he certainly would tell his friends that mean a potential customer for you
.
Price matching
The rise of competition may make you think you have to reduce service costs, but if too low, you may experience a loss that makes you fail. Services can be determined based on experience in mebuat the same project, portfolio, testimonials from your customers, and others.
Being an office worker or workers removable merupkan choice. Talent or nature determines. Hopefully you can find a suitable job and to enjoy happiness. Are you ready to become a freelancer?
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Read More..
Discipline
Because you are free to determine the time to work on your project, it does not mean you can be free. If you are not disciplined, then the project had been neglected and passed deadlines that have been determined, so can not be resolved. Discipline must be applied with a good time while working on a project
Having an extensive network
Because must find their own projects, so if you have more friends, certainly can help you find the desired project
.
Note the talent and character
Each person memiiki talent and unique nature. Watch it in yourself so you can find the appropriate fields and not merely follow the trend. For example: If you are a shy whenever they have to offer a product to friends, then became an insurance agent may not be suitable for him.
Customer oriented
Consumers can become an effective means of promotion. When your work well, he certainly would tell his friends that mean a potential customer for you
.
Price matching
The rise of competition may make you think you have to reduce service costs, but if too low, you may experience a loss that makes you fail. Services can be determined based on experience in mebuat the same project, portfolio, testimonials from your customers, and others.
Being an office worker or workers removable merupkan choice. Talent or nature determines. Hopefully you can find a suitable job and to enjoy happiness. Are you ready to become a freelancer?
Google Translate for my:SearchesVideosEmailPhoneChatBusiness
About Google TranslateTurn off instant translationPrivacyHelp
Read More..
Wednesday, March 2, 2011
Tips for managing debt
Debt between the rich and the poor have different characteristics:
1) The Rich owes to buy productive assets or property while the poor people accumulate assets in debt to consumer,
2) the rich pay the debt make revenues earned from the productive asset (passive income) while the person poor to pay the debts from his income (active income). Due to the strict debt management, your life will be much more secure and comfortable, and can invest for the future. Here are some tips you need to know in managing debt:
1. Payable only for unexpected needs and can not be postponed, for example there is a sick family member or school purposes.
2. Payable for purchase of productive assets and increasing its value, such as houses, land and gold. Try not owe to buy mobile phones, shoes, electrical appliances, clothes, bags and accessories for body and home furniture. Because these items have a tendency to decrease in value.
3. A limit on debt payments is 30% of your income.
4. Pay debt on time and note / trim the administration and documentation associated with the debt.
5. Do not cover debts owed by another (dug holes closed hole). Unless you have been properly take into account all the excess and the fees charged.
6. The order you owe should be prioritized in order starting from the safest, namely: spouse, parents, siblings, friends, pawn shops, banks, leasing and loan sharks. But if you need money and you are not comfortable to borrow money, better sacrificed and sell your assets are still valuable (eg gold), than you borrow from some place that will charge very high interest and detrimental to you.
Read More..
1) The Rich owes to buy productive assets or property while the poor people accumulate assets in debt to consumer,
2) the rich pay the debt make revenues earned from the productive asset (passive income) while the person poor to pay the debts from his income (active income). Due to the strict debt management, your life will be much more secure and comfortable, and can invest for the future. Here are some tips you need to know in managing debt:
1. Payable only for unexpected needs and can not be postponed, for example there is a sick family member or school purposes.
2. Payable for purchase of productive assets and increasing its value, such as houses, land and gold. Try not owe to buy mobile phones, shoes, electrical appliances, clothes, bags and accessories for body and home furniture. Because these items have a tendency to decrease in value.
3. A limit on debt payments is 30% of your income.
4. Pay debt on time and note / trim the administration and documentation associated with the debt.
5. Do not cover debts owed by another (dug holes closed hole). Unless you have been properly take into account all the excess and the fees charged.
6. The order you owe should be prioritized in order starting from the safest, namely: spouse, parents, siblings, friends, pawn shops, banks, leasing and loan sharks. But if you need money and you are not comfortable to borrow money, better sacrificed and sell your assets are still valuable (eg gold), than you borrow from some place that will charge very high interest and detrimental to you.
Read More..
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