donadzku

THE SMART WAY TO LIVE WELL AND HAPPY

noreply@blogger.com (Ayu) — Tue, 30 Jun 2020 11:43:00 +0700

living well and happiness is everyone's dream. But, what about those who have small income? can they live well and happily?

The answer is yes, they can. To be happy is easy because it all comes from ourselves and to living well is make a standard of living for yourselves, such as:

1. Always be grateful for what you get

With this way, you will never feel lack of money and surely makes your life happier and have more spirit.

2. Determine the priorities of your goals

By meeting basic needs first such as: clothing, food and house. Well, if you can meet those 3 basic needs, that means you have lived well.

3. Balance your income and lifestyle

For those of you who have fix income, never follow a lifestyle that is trending, especially when you used a credit card to shop. It is better to leave those kind of lifestyle.

4. Avoid following other people's living standards

The reason is because everyone has a different standard of living. It could be they have bigger income than yours who have small income.

5. Choose holiday/entertainment that you like but in accordance with your ability.

Holiday is not forbidden as long as it does not exceed your ability. For example, you choose to go on holiday abroad, even tough your ability just for domestic holiday. Remember, to always adjust between expenses with your income, including in choosing the place of your holiday.

Follow those 5 tips to make your life well and happy.

PAY OFF DEBT FIRST OR SAVING?

noreply@blogger.com (Ayu) — Sun, 28 Jun 2020 08:50:00 +0700

If you have excess money at the end of the month and you are faced with two questions, PAY OFF DEBT FIRST OR SAVING. I believe, this two questions are hard to answer, like answering the question, dad or mom? Why is so difficult to answer?

Pay off debt first or saving? both of this things are very important and become priorities in our financial goals. Now, let us discuss one by one the good and the bad thing of paying debt first or saving.

In simple mathematics, it is better to pay off debt first than to save, for something that is not yet known when it is needed.

If you choose to pay off debt first and delay saving, the bad thing is you won't have anything.Especially when you are in an emergency situation such as termination of employment or your business is bankrupt. Okay, you have credit card, but the thing to note is using credit card for emergencies will only make your life more difficult to pay off debt.

Then, if you prefer to saving first and pay off debt later, you will pay more interest. Especially credit card with high interest rates, because credit card interest rates are often higher than savings interest rates and in the end you spend more money than you get from your savings interest. Another problem is the risk of living during retirement with debt.

Then, which one should choose between paying debt first or saving first?

Well, when you have to choose between paying debt and saving, you must pay attention to the interest factor here. For those of you who have credit card debt with high interest, you may pay off the credit card debt first. Thus you can save more because you are not burdened with high interest. And for long time debt such as property, make extra payments when you have more money. However, if you have a debt with very low interest, you may saving first from the remaining money at the end of the month (debt paid according to bill), at least until saving/emergency funds are reached that can cover 6 months of household expenses. However, if this seems difficult to pursue in short term, focus on saving/emergency funds with enough money but can cover many small but urgent expenses such as house/car repairs.

Note: do not do saving without paying debts at all, vice versa do not pay debts without saving at all. do both balanced.

HOW TO MANAGE THE IDEAL EXPENDITURE

noreply@blogger.com (Ayu) — Sat, 20 Jun 2020 12:16:00 +0700

Family Financial health depends on how we manage expenditure wisely. In order to avoid and below are the tips :

1. Routine expenses Post

The maximum amount of this expenditure is 50% from your monthly salary. This post includes monthly bills, monthly expenses, etc. If you still have debt, then this post can increase to 60% of your monthly salary.

2. Zakat / donation Post

The maximum amount of this expenditure is 5 - 10% from your monthly salary. And if you bear other relatives or family, then this expenses can be taken from this post.

3. Emergency Post

The amount of this expenditure is 10 - 20% from your monthly salary (depends on our finance condition). See the detail on EMERGENCY FUND TIPS

4. Savings and investment Post

The maximum amount of this expenditure is 10% from your monthly salary. If we have limited money, prioritize saving/investment on residential.

5.Retirement funds investment post

the amount of this post is 10% from your monthly salary. These funds must be set aside, so we do not experience financial difficulties in old age. A time when we could no longer work or make money.

To make it easier to manage the expenditure allocation is to have 3 accounts, such as :

1st account

Special account for operational or routine monthly expenses

2nd account

Account for savings and investment

3rd account

Special account for emergency post

For detail see in Video above in Bahasa.

EMERGENCY FUND TIPS

noreply@blogger.com (Ayu) — Sat, 13 Jun 2020 21:02:00 +0700

Emergency Funds become one of the posts that must be held in finance, because these funds are very important and will be a source of funds at unexpected times. Then, what exactly is an emergency fund? and why they are so important in our life?

Emergency funds are a number of funds are specifically used to deal with various unexpected condition in life (layoff, disaster,etc) which is only used at certain times and can not be predicted when the fund will be used. The procurement of these funds in finance becomes very important because various emergency conditions can occur at any time.

Emergency fund amount will be usually be calculated based on monthly expenses. In addition, the amount of this emergency fund will also be influenced by the status and number of dependents in the finance itself. Below are the ideal of emergency funds that needed in finance.

1. Single does not have dependents
    6x the amount of monthly expenses.

2. Married with no children
9x the amount of monthly expenses.

3. Married with children
12x the amount of monthly expenses.

Maybe you ask why is it so big? how could I set aside that much funds? don't worry you can set aside an emergency fund of 10-20% of your income. If you get a bonus or extra money outside of salary, set aside a large portion of that money for emergency funds. Avoid delaying procurement of emergency funds because if you doing so, can cause serious financial problems for yourself.

I hope this EMERGENCY FUND TIPS can be useful for all of you. thanks

HOW TO SAVE MONEY, JAPANESE STYLE THAT MAKES RICH QUICK - KAKEIBO

noreply@blogger.com (Ayu) — Tue, 9 Jun 2020 12:43:00 +0700

Japanese people are famous for their discipline. The high cost of living in Japan make them very tight in expenses. The way they have emerged from economic downturn is also an example for us. Then, what kind of technique Japanese do to deal with the high cost of living there?

Kakeibo is a populer way to manage or save money. Introduced in 1904 by Japanese female journalist, Hani Matoko. Later, popularized again by Fumiko Chiba through her book "Kakeibo; The Japanese Art of Saving Money".

There are 4 important questions that are always used as the basic principle of the kakeibo method;

1. How much money do you have?
2. How much money will be spend?
3. How much money is actually spend?
4. and how to fix financial condition?

After understanding the 4 basic questions, the next step is at beginning of each month write your income and regular expenses for the month. The differences between income and regular expenses is the money you have.

The next step, determine the amount of the money you want to save, then write it down next to the amount of money you have at point 1. The rest of your money is for your daily needs.

Then, make a daily expenditure record. This expenditure is divided into 4 categories, such as:

1. Survival / basic needs; food, transportation, etc.

2. Optional / secondary needs; entertainment, traveling, etc.

3. Additional; for additional insights; books, films, magazines, etc.

4. Other expenses/expenditure; gifts, car repairs, etc.

Use envelopes to control each of this categories. If the money in the envelope runs out prematurely, the budget for that category is up. it is strongly recommended not to take a budget from another category if the budget for that category has run out. Kakeibo method can make you become discipline in overseeing every need.

THE EFFECTIVE WAY TO PAY OFF YOUR DEBT - DEBT SNOWBALL METHOD

noreply@blogger.com (Ayu) — Tue, 2 Jun 2020 20:10:00 +0700

For those who have a huge debt from many resources, don't worry your debts can be resolved more quickly by using this method; the debt snowball method. Have you ever heard of this method?

The debt snowball method is a debt reduction strategy whereby one who owes on more than one account, pays off the debt starting with the smallest balance first while paying the minimum payment on larger debts regardless of interest rate.

This is how the debt snowball method work :

1. List your debts from smallest to largest (an example of a table is in video above)

2. Make minimum payments on all debts except the smallest (pay as much money as you can on those smallest one). Once that debt is gone, takes its payment and apply it to the next smallest debt while continuing to make minimum payment on the rest.

3. Repeat this method just like you did with a previous debt until your biggest debt is paid off.

That's all my sharing about the effective way to pay off all your huge debts. See the detail in the video

7 SMART STEPS TO PAY OFF YOUR DEBT

noreply@blogger.com (Ayu) — Fri, 29 May 2020 14:45:00 +0700

Human life is like a spinning wheel. Sometimes our lives are up but sometimes we are down. However, no matter our economic condition right now, debt must still be paid. Then, how do we pay it when economy is difficult like this and how about those who are laid off?

Below are the smart step to be able to payoff your debt:

Step 1 : INTENTION

Intention is the most important things of this 7 steps, as the saying goes "where there is intention there is a way.

Step 2 : RECORDS ALL YOUR DEBT

Keep a record all of your debts, so that you know how much you owe.

Step 3 : ASK FOR PAYMENT METHOD RELIEF

For example, installment payment in a fix amount without calculating the interest for a predetermined period.

Step 4 : MAXIMIZE 30% OF REVENUE

Use 30% of your income to pay the installments. Then, what if you have no income? or laid off from work? If you get terminated, you can combine severance pay with all your savings to pay off your debts. For your note: you must have a reserve fund 6x of your salary for your living expenses for 6 months during you look for another job after deduction of your debts. If the money is not enough, then you should sell your assets such as gold, house or land to pay off all your debt.

Step 5 : MAKE A PAYMENT SCHEDULE

Make a deal with your creditor on your debt repayment schedule and stick to it.

Step 6 : OTHER INCOME

If you get extra money from another job or maybe get an inheritance, it must be prioritized to pay off your debts so that your financial condition can recover and you can live more peacefully, free of debts.

Step 7 : DO NOT FORGET TO PRAY

Praying can give us peace of mind and with a calm mind we can solve all problems.

That's all the 7 smart steps to pay off your debt (see also the video above in Bahasa). I hope it will useful for all of you.

HOW TO SET A DAILY SALARY FOR SAVING

noreply@blogger.com (Ayu) — Tue, 14 Apr 2020 14:12:00 +0700

In this video above "CARA MENGATUR GAJI HARIAN AGAR HEMAT" is video about tips how to set a daily salary for saving. As we know managing a daily salary is not as easy as managing a monthly salary because we have to start from a small amount. Then, how do we managing it?

Actually, how to set a daily salary is not much different from how to set a monthly salary, both of them have to make a monthly budget. Okay, let's see the tips:

1. Calculate your average income for a month. Take the smallest one.
2. Make a budget for 1 month, such as :
    - a budget for saving (specify the minimum money to be saved every day & do it regularly.
    - a budget for monthly bills, such as electricity, credit card, etc.
    - a budget for monthly needs, such as sugar, cooking oil, rice, bath soap, dish soap,etc.
    - a budget for reserve funds (money provided for back up purposes.
    - a budget for daily shopping for food (means the rest of your salary for your daily meals).
3. Post the budget that we made earlier into each separate envelope in accordance with the budget earlier. (No.2 / see the video for detail and example).

The step above were the same as we set for monthly salary and the difference is in managing daily salary we have to divide each budget in step no.2 into 30 days. So, we put the money into envelope everyday.

thereby, tips how to set a daily salary for saving according to my experience, I hope this will be useful for everyone.

HOW TO SURVIVE IN PERSONAL FINANCIAL CRISIS

noreply@blogger.com (Ayu) — Sun, 9 Feb 2020 18:19:00 +0700

Do you know what financial crisis is? Have you ever experienced it? and do you know how to survive those financial crisis if this happens to you?

Financial crisis is any of abroad financial situations in which some financial suddenly lose a large part of their nominal value and the causes are a job loss, illness or car accident, bankruptcy, etc. It can be a nightmare for everyone, when that moment comes, when you realize that you need to make major changes in your life, it's incredible stressful, creating tidal wave of worry and fear. I know this is very torturous because I've also experienced it and I believe every person in this world has experienced this also. Then, how should we handle this financial crisis?

Identify the problem and solve it
The first step to overcomeh financial problems are to identify the problem itself, the problem that causing your financial crisis. If the problem has been found, think about how to solve the financial problem immediately. For example: when your main financial problem is your company that is no longer producing, even you have started use your personal saving for the company's need continuously and the best way out of this problem is stop your business before you run out of money. Another example problems are; you spending more than your income. For problem like this, you have 2 choices; first, cutting out anything that is not necessity, second, look for additional income to meet your needs. I believe how to solve debt problems can be as a reference to solve your financial problems

Create a budget
After you find the problems that caused your financial crisis, one of the best way to do next is creating a budget plan. Then, what is the benefit of creating a budget plan?

1. To find out your financial position
In this case you should make a list of all your expenses in broader categories such as: daily needs expenses, medical expenses, education expenses, entertainment expenses, etc. By creating a budget plan, you can find out to what extent your expenses can have an impact on your finances.

2. To help you adjust your expenses
When you prepare a full year budget plan and you feel your expenses are quite stable, you can make an investment, but remember choose the investment that are truly safe in this difficult time, such as: opening a deposit account.

3. To be used as a guidance of using your money
Budget plan make your finances more controlled because you know how much money you can spend on each item.

Discipline
Once you have created a budget plan, you have to discipline yourself by spending your money according to the budget you have made.

Conclusion, when you are faced with financial problems, don't panic and stress because that won't solve your problem. Calm yourself, do what you should do. Identify the financial problems, solve it, create a budget plan and discipline in using your money in accordance with the budget plan that you have made. If all of this you have done, I'm sure your financial crisis will be resolved.

WHAT TO DO AFTER GRADUATION ?

noreply@blogger.com (Ayu) — Wed, 5 Feb 2020 11:26:00 +0700

Hurray.......you have graduated now. Many people congratulate you and of course your parents will be proud of you. You are surrounded by people who are happy and proud of you but once the celebrations are over, you might find yourself wondering, what to do next????

Actually, something like this is very normal and is definitely felt by most university graduates. So do not worry about that, cause you are not alone but don't forget you have to fight that feeling. Try to start making plans for your future and do it right away. However, there is nothing wrong after working so hard during your degree, you definitely deserve a break. So, take a break and go traveling for a while to refresh your mind and energy. What are the next steps after that?

First, find a graduate job. As we already know, the first thing most student do when graduate is to find a job that suit their education. Which means you have to be prepared to face a lot of competition to get the job.In this case, certainly, you should know a lot of things before applying for a job, such as: how to make CV and Cover Letters that show off your qualities and professionalism. Then, when your applications begin to pay off, ensure that you are prepared for interviews.

Second, become self-employed. If you do not fancy jump into 9-5 work or you can not find your dream job, why not try to go to it alone and be your own boss. Perhaps you have a great business idea but the thing you should know is to be an entrepreneur or self-employed is certainly not as easy as turning the palm of the hand. Beside you have to have big enough money to start a business, you also must have careful planning and preparation so that your business run smoothly. Perhaps how to start business can be a good reference for you.

Third, further your education. If you do not have the desire or feel you are not ready to work or become an entrepreneur or self-employed but you have a real desire to study a particular aspect of your undergraduate course in more depth, then postgraduate is the answer. But nevertheless, study for a masters takes time and also money so make sure this could be the right choice for you.

Finally, indulge your hobby. Instead of thinking about failure and unsatisfied feeling, why not do the things you like. Your chosen path of study and career may not be the same as your hobby. Many people do not realize that their hobbies can make a lot of money. For example : if you like cooking, of course you can see this as a business opportunity. From this hobby, you can open catering, restaurant or collaborate with a supermarket or restaurant to sell your food. Another example are ; you like writing, you can spill your hobby by becoming a content writer on your website/blog or becoming a content writer for other people web/blog, in other word you can do internet business and you can also making a novel or book, who knows you can be like JK Rowling, Dan Brown, Ernest Hemingway and also some famous Indonesian writer such as NH Dini, Raditya Dika, etc. One more example that might be worth to try is being youtuber. If you have a hobby of making videos, becoming a youtuber is the right solution. It's no secret that many people become millionaires because of youtube, for example: Dan TDM, Shane Dawson, Atta Halilintar, etc.

So the conclusion is, as college/university graduates your path to success is not only find a job that suit to your degree or becoming an entrepreneur but don't forget everyone surely has a hobby, indulge and pursue your hobby. I believe, if you doing something with love the result will be good. There is one sentence you should remember, "from hobby to business" which means you can be an good entrepreneur from doing the thing you like. Start from yourself then success will follow you and your degree is a bonus that will lead you to success.

WHAT TO DO AFTER GRADUATION? don't worry about that.

Smart Way to Run Financial Resolution 2019

noreply@blogger.com (Ayu) — Sun, 28 Oct 2018 14:55:00 +0700

In two months we will enter the new year 2019 and it is time we start making a resolution. Beside, career, health, and love, preparing financial resolution is also important to make your financial condition more positive in 2019, but sometimes, running a financial resolution is not an easy matter, it is need a commitment and strong will in order to successfully run it. Therefore, smart way to run financial resolution 2019 in a good way must be specific, measurable, achievable, realistic and timeline, as described below:

Reading the Characters Through Faces

noreply@blogger.com (Ayu) — Wed, 24 Oct 2018 19:15:00 +0700

Reading the Character Through Faces commonly done by most of people around the world because faces are parts of the human body that are easily seen and faces also can express many stories including the personality that someone has. According to experts, reading the nature of the face, the shape of the eye position, the nose, the chin, eyebrows and all parts of your face talk a lot about your character or personality. Basically, through the face you can know the arrogant, friendliness, honesty, ambition and other characteristic of someone. So, don't be surprised if someone looks at your face seriously, maybe he analyzes and try to finds out your character or your personality because every information from your face has hidden meaning.

Jane Haner, face reading expert and the author of a book The Wisdom of Your Face says "Your Face Shape can Reveal Your Basic Personality and all approaches to life". (Tribunlifestyle). Haner also revealed the most common facial shapes can find personalities on 3000 faces based on Chinese Medicine Techniques, as explained below:

Face Shape

- Rectangle Face Shape, this face shape is clearly square on the forehead and chin. People with this face shape usually appreciate good logic and thinkers but sometimes too much focus only on one thing. They are usually planners in some ways but their not open about their feelings.

- Round Face Shape. People with rounded faces are generous, humble and always put others first. However, the bad thing of this face shape type is they tend to prioritize the needs of others, so they do not get what is needed in the relationship.

- Oval Face Shape. According to Haner, People with oval face always know the right thing to talk about, they can make someone feel comfortable and welcome. However, sometimes they are too focused by saying only the right things.

- Box Face Shape. This facial shape type have the characteristics of a wide hairline and jawline. This type of face shape are usually people who enjoy physical activity and work on large projects because they have great stamina.

- Heart Face Shape. People with this type of face usually has a wide forehead and narrow chin. This type of face have extraordinary self-strength but sometimes are stubborn because of their strong mindset. They strong and agile because of their strength. So, if they have a goal, they will do anything to achieve it.

Shape of the forehead

- Wide forehead. Wide forehead signifies a person who is smart and has more intelligence than others but they also an idealist and has many ideas.

- Flat forehead. People who have flat foreheads are people who have logical and pragmatic thinking. They happy to show various facts from the issues that are happening.

- Protruding forehead. People with this type of forehead are usually a dreamer and has strong ambitions.

The benefits we get by knowing someone's character by reading faces are :

1. Understand better the personality of others.
2. Can analyze various characters and the characteristic of other people we talk to. This is of course
      also related to business relationships, work relationships, friendships, love relationship, etc.
3.   If you know the characteristic of other people from reading faces, of course you can also get to
      know your own personality better.

Knowing the character of a person by reading his face is worth studying and practicing but don't forget that the personality of a person is not only seem from the shape of his face but also from his body language and his daily life. Hope this Reading the Character Through Faces will useful for you.

Related Post:

1. Read The Mind Through Body Language
2. The Body Language
3. The Way You Walk = Your Personality

7 SMART WAYS TO MANAGE YOUR SALARY

noreply@blogger.com (Ayu) — Fri, 19 Oct 2018 19:52:00 +0700

The bigger expenses and needs than your salary make you often run out the money before the end of the month. This kind of thing is often experienced by most people and certainly caused difficulties for them to manage their finance. This of course can happen if you are not good at managing your salary well every month, especially in this era of economic crisis.So, let's start trying smart way to manage your salary below, so that the tragedy runs out of money after the payday doesn't happen again.

The first step is learn to control yourself after receiving salary, such as : the desire to buy new clothes, want to eat in expensive restaurant, want to travel, etc.

The second step, make a monthly budget. The most important thing you have to do in this session is to make personal financial plan. Start making a list of monthly expenses for needs into two parts, namely primary and tertiary needs. Primary needs, example: meals, costs for work, electricity bills, Water bill, home or car payment, etc while tertiary needs are shopping, traveling, hangout with friends, etc. but do not forget to provide emergency funds such as: illness or vehicle service fees.

The third step, pay all your monthly bill immediately at the beginning of the month after you receive salary. This is very important to note, so that it is not interfere with your daily needs and paying all the bills at the beginning of the month will certainly make you more freely to manage other monthly expenses.

The fourth step is set aside for saving. If all this time you are used to setting aside the remaining salary for savings, this time after paying all the monthly bills try to set aside a salary for savings before you use it for everyday purposes. This is useful to reduce expenses that are not too important.

The fifth step is use 31 envelope system to safe money. Write down the shopping date from 1 to 31 on each envelopes, so that you only use the money that has been set aside in each envelope according the date.

The seventh step and also the last step is save the remaining money from shopping envelope in a piggy bank or money box. Although it's a little better to be kept like the proverb say "little by little it becomes a hill.

Success in saving will certainly be greatly influenced by the discipline you have in managing your salary. Hope this 7 smart ways to manage your salary will useful for you.

POSITIVE THINGS OF TRAVELER WOMEN

noreply@blogger.com (Ayu) — Fri, 7 Sep 2018 15:27:00 +0700

Most people think that women who like traveling are not attractive. They often look as they are, natural, simple even without make up on their face. No wonder that men often look down on traveler women. They assume that traveler women is not attractive to be seen, especially to be life partner. However, do you know? there are many greatness and advantages of traveler women compared to women in general.

Accustomed to managing budget: women who likes traveling has been trained and used to managing finance and arranging her own budget. So, it is not surprising when she have to take care of household finances.

Independent: it can be ascertained that traveler women is independent because she was used to walking and traveling alone.

Can be live in hard life: women who loves traveling is definitely not a spoiled women. She used to live hard, sleep and eat in a simple and as it is.

Strong: traveler women is used to facing unexpected situation, she used to conquer various fields and sometimes startled by complicated circumstances such as extreme weather.

Wide knowledge : visiting many places, meeting many people from various background and learning many cultures from various places will add her experiences and knowledge and makes her mind open.

Simple : traveler women is the type of women who does not question what makeup is suitable for her face and she also did not worry about what clothes to wear. She will wear clothes that make her feel comfortable and fit to wear. This makes them appear as they are and look naturally beautiful.

That is the greatness and advantages of traveler women compared to women in general. Do you still underestimated them?

Overcome Funding Problems

noreply@blogger.com (Ayu) — Sun, 23 Oct 2011 10:31:00 +0700

Basically every business would need capital and capital is often an obstacle when intending to run a business idea. There is a Chinese term that says that there is no gain without capital, thus surely we need capital funding to start a business. Capital money is important but not everything to start a business. The best formula that is always given to overcome funding problems is beginning according to our ability or otherwise adjust the business in accordance with our abilities, if the business has gone the way and already seem to give results, then think to use of the third party to overcome your funding problems and raising your business.

There are several ways to overcome funding problems, such as :

Partnered with relatives or friends, This way is more profitable and secure, because of gains and losses are shared.
Borrow from relatives, friends, or neighbor.This way is relatively safe, but can cause the relationship to be no good if you have problems in paying debt.
Borrowing from money lenders with very high interest, away from this type of loan is recommended because it can cause your finances to fall apart.
Pawn Shop, through the pawnshop we can borrow money by mortgaging valuable asset as collateral. we can borrow up to 90% of the value of goods.
Bank Loan, for business development, this program could be a preferred solution. if you require substantial funds, the bank is the best solution. although it requires a fairly complicated process to get the funds. most banks only provide capital for businesses that have been running at least 2 years and usually banks ask for collateral.

And all the points above each have advantages and disadvantages of different depending on our need and also our ability to return the funds we borrow on time. The following is a wise way if we are forced to borrow money to develop our business :

The first step to do is make a budget plan for the development of our business
Borrow money in accordance with our abilities. think how much we can afford to pay each month.
Spend money wisely, spend your loan funds only for the needs of your business development. Do not ever spend it for your personal needs.
Write down all your expenses regularly.
Running business in a consistent and professional ways.
Do the market surveys for the development of your business.
set aside some money for operating expenses, maintenance, debt repayment, savings, etc..

Hope this overcome funding problems tips can be useful for all of us.

Start A Business With Small Capital

noreply@blogger.com (Ayu) — Fri, 29 Oct 2010 14:23:00 +0700

Start a business with small capital is not an impossible thing to do, but still many people are hesitant or afraid to start a business just because of their small capital. start a business with a small capital does not directly generate profits. It takes time. It would be more stable financially if you or your spouse have a full time job. You do not need to be discouraged to run a small capital business because the most important thing in running a business is the ability / interest and talent combine with the foresight to see the market opportunity.

There are many small capital business. The following options you can consider to start a business with small capital :

Affiliate Marketing Online, you do not need big capital to run this business by choosing the type of free affiliate. Three things you need to run this small capital business are : computer and Internet connection.
Online business by making a website or free blog, such as; blogspot and wordpress
Marketing company, you sell a product and you get commission. You will be paid when successful sales. So, if you are interested in this small capital business type then you need to master the details of products well, so that people will believe it when bought from you.
Mail order or courier delivery, this include small capital business, because you only need vehicle, gasoline and time to deliver orders.
Sell crafts or homemade foods. Use friends, relatives, neighbor or your business colleagues to market your product.
Selling services like hair cutting, tailoring, consultant and service bureau.

Remember, you can start a business with small capital right now. You do not need to have a large amount of money, expensive tools or sophisticated equipment to start a business. Be smart, efficient and work hard, even though we may still have some limitations and obstacles that exist....then success will be yours.

Online Business And Its Preparation

noreply@blogger.com (Ayu) — Thu, 12 Aug 2010 10:40:00 +0700

Online business is currently in great demand by many people because the more easy usage of the internet today certainly makes a lot of people who wish to develop online businesses such as internet media is indirectly encourage and motivate more people to earn money from the internet, but to do the success online business there are some preparations that need to be notice :

Desire and the spirit of hard work, no different than conventional business, online business through the internet of course also has the risk of failure and loss. But with the high spirit and hard work that we do not expect easy in desperation when do online business through the internet. Find and learn as much supporting information as possible.

Creative ideas, creative ideas needed to deal with the increasingly strong competition in online business

Computer and internet access, computer and internet access is the most important support tool in doing online business. Make sure you have internet access you can rely on to smooth your online business.

Media online transactions, the internet is a network of global scale, so that the media needed a valid transaction and can be used online, so that our online business can be accepted by all people around the world. There are so many online transactions on the internet media such as : credit cards, paypal, money bookers, and other media online transaction who use the American dollar.

Website, website is used to publish the work, products, services, and business profiles. or you can also use free blog such as : blogspot, wordpress, etc.

Email, email is the primary communication tool on the internet and every person who will be involved in online business should have this communication tool, because almost every transaction or online business activities requires an e-mail. Some websites that provide free email facilities with giants capacity and SPAM filtering for email, for example : gmail, yahoo, hotmail, etc.

All of the above preparation is the main thing in online business, but it's good if you have enough knowledge related with your online business

Maximize Your Business Revenue

noreply@blogger.com (Ayu) — Mon, 2 Aug 2010 14:17:00 +0700

Exhibiting at a trade show is an excellent way to find customers to help your business grow. Trade shows are also economical ways of getting sales and maximize your business revenue. Usually, there are some reason to follow the exhibition, such as :

Increasing sales and reinforcing market share
Increasing share of customers and getting the current customers to buy more
Introducing new products
Positioning and repositioning your organization, its brand and products

But to maximize your business revenue when follow the exhibition or trade show and get potential customer's attention at a trade show and to then make an impression, the only thing you should do is your trade show booths should be eye catching and attention grabbing. For this, you better ask the trade show expert for help or advice.

To enhance your products the accessories that compliment trade show booths can make all the difference in terms of product presentation, the right lighting in trade show booths can make products look their best, the right table cover and banner stands can draw the attention of those simply passing by.

Company logo exposure, every business owner knows that to get one's company logo recognized and remembered is the ultimate goal of any marketing or advertising strategy. table skirts are used for special events including trade shows. They attach around perimeter of table using special clips or just velcro and can be printed on to add a logo of your company and come in a variety of colors.

Pipe and Drape system is a great way to make an trade show booths, divide a room or use as a backdrop for a press conference and it can be used as a stand alone display. Many other organizations used Pipe and Drape system as privacy walls and crowd control.

Trade shows booths are a tool that no business owner should be without trade shows are an excellent way to broader audience, the right trade show booths can increase your business sales and also can maximize your business revenue.

Move Your Money To Make Money

noreply@blogger.com (Ayu) — Sat, 17 Jul 2010 21:15:00 +0700

Many people think that money can only be sought by working. It was not wrong. However you have to work to get the money. Beside work, there is another income source that you can turn to for help to find the money, who is he? The answer is your own money. If you're creative, you can have extra income by making productive some of your saving money. But how to invest the money so he can generate extra income for you or your family? There are two answer by move your money to make money : use it for business or invest on products.

If you invests into a business, you may be able to get a reasonable income from it. For the first, while you do your main job ask your family to help you run the business which of course you should monitor these business. After a few months, you can submit a full management of the business to your family, while you keep working on your original work. Thus, it's not only you looking for money, but also your money can be driven to make money as well although he still need your help to be driven at the first.

In addition to the business, you also can invest your money into the product. Typically, the product you can choose to make your money work for you is the product that can provide result for as minimum as deposit. Obviously, if you can find other products that provide greater result would be great.

So, if just only you who work for money for your family all this time, from now on move your money to make money as well.

Smart Way To Manage Your Money

noreply@blogger.com (Ayu) — Thu, 24 Jun 2010 16:07:00 +0700

Smart in manage your money is necessary for your success and the comfort of your life, free from debt and far from poverty. No matter how big of your income, will not guarantee you will be relieved of debt without smart way to manage your money, no matter how much money that you have, if you do not manage it properly, it will be quickly exhausted. Then, how the smart way to manage your money?

Have you record your today expenses, this week expenses, this month expenses and your yearly expenses? and this is about the things that need to write in your financial record :

Daily expense : meal or snacks, transportation
Weekly : gasoline, grocery shopping
Monthly : vehicle & houses installment, children school fees, electricity, social fund, and other monthly payment
Annual : insurance premiums, the annual holiday fund.
Long term : funding for children to University, retirement saving or investment

And the smart way to manage your money is you should be able to distinguish between important and unimportant needs, and always saving some of your income for unexpected things. Meanwhile, unexpected needs is the needs that are happening outside the prediction, such as :

Hospital costs because of illness or accident
Repair of vehicles due to strike or accident
Improvement of the house
Natural disaster
Etc

Hopefully, this simple smart way to manage your money tips can give enlightenment to those of you who are often have difficulties in managing the money. Be smart in manage your money because everything when done seriously it will get a better result too. Smart does not mean stingy but you also need to consider your current condition for saving.

Motivation And Its Relation To Success

noreply@blogger.com (Ayu) — Fri, 11 Jun 2010 17:00:00 +0700

Would you believe that a strong motivation to succeed in an individual can bring success to that person? And are you sure that the word of motivation and motivational stories can help your spirit to achieve success? be successful not only needed motivation but it also required willingness, hard work and never give up in doing your goal. And if you already have all of those criteria, I am sure you can be a success person.

I once read an interesting motivation article (Jayalah Bisnis Indonesia) which I will summarize back to you and can be a good motivation for you. In a motivational seminar, a motivator challenge the seminar participants, who among that participants who want to volunteer to walk on 20 x 20 cm wooden block and he will give that volunteer big enough money as return. Actually the wooden block was wide enough and would be able to walk on it with ease, moreover the wooden block was laid on the floor, even when they are unable to keep balance when walk on it they will not fall or get hurt. but, no one dare to accept that challenge until finally there was one participant who dare to accept that challenge. And he was apparently able to walk on that wooden block without the slightest traps as they fear before. Then, as promised earlier a motivator gave him money, then a motivator give him another challenge "if the current wooden block bridge the two story building with 80 meter high, the wind was blowing hard over there, and there is a busy high way underneath", this time he promise to double the money but the participant said no, event when a motivator offering very big money, he kept saying no.

Finally, the motivator asked "well, what if your six year old sun kidnapped, were brought to the building across, tied there and installed a time bomb that will explode in five minutes, if you want your child safe, you inevitably have to cross that wooden bridge. In such circumstances, would you walk across the bridge? the participant was silent for a moment until he finally answered : "well, I want to".
So, what is your conclusion about these motivation story?

The first conclusion that I got from the motivation story about is the fears, doubt and lack of desire to do something is the biggest obstacle in achieving success (in these case, the fears, doubt and lack of desire of the participants have lost the opportunity to earn money). The similar situation also happened often in daily life. various business opportunities often come to many people but just a few of people who success, the answer is the same because they are afraid, they doubt with that business opportunities, they are afraid to take the risk of the business.

The second conclusion is Most of people will do anything including the most impossible thing because they are pressured (in these case, father/parents will do anything for their son even though risking their life. So also with success, many successful people come from very poor family and because of poverty, they are motivated to succeed. Many people never achieve their success is not because they are incapable but because they do not want to.

The right words of inspiration and motivation is a simple way but powerful enough for always motivating us in achieving success.

Business NegotiationTips

noreply@blogger.com (Ayu) — Mon, 7 Jun 2010 13:10:00 +0700

In a business, the ability of negotiation is the most important thing for company progress. When you're dealing with customer or your business partner, you must have business negotiation skills. Here are some business negotiation tips for you to improve the ability in negotiating.

Know yourself and the company you work, the most important thing before you taking any action, try to think for a while 5-10 minutes to get to know very clearly of you and your company position in that business negotiation.
Prepare the agenda and your company demands, being a good business negotiator must understand the true issue and strategies program, viewed from all angles. When you do any business negotiation, all the project proposal must based on facts, data, research results and experienced.
Know your negotiating position of the target, in conducting the business negotiation process, you not just have to know what you want to achieved but you also need to anticipate what your negotiating opponent want or think. And do not ignore the message of non-verbal or body language. A good business negotiator is always doing research to find out the character of his opponent, what is his background, habits, hobbies, etc. Proved, most of the big contract won not on the conference table but on the golf course, cruise ships and restaurants.
Prepare yourself with extensive knowledge. things that need to be controlled is the knowledge of the project or proposal that will be negotiated.
Give an alternative win-win solution to your opponent. Always flexible during business negotiations to avoid a stalemate. Prepare several alternative solutions that can be predicted to create mutually beneficial conditions for the opponent.
Complete the process of business negotiation fast and straightforward. Avoid factors that can be exhausting for opponent such as the negotiation process is too long, places that are not conductive to negotiations because of these factors tend to make the opponent easy emotional and turn pressing us.
Finally, when you read a contract before signing it, be careful, remember that words are important, especially in a contract where lawyers involved.

People often say that in negotiated, counting capabilities that support our success, however only personal approach and knowing the body language of our opponent is the most important thing in negotiated. I hope this business negotiation tips will useful for all of you in negotiating.

How To Solve Debt Problems

noreply@blogger.com (Ayu) — Tue, 1 Jun 2010 20:49:00 +0700

To what do we owe? Debt is generally described as a solution to financial problems. Debt will indeed be a solution when we can manage them properly but it can be a problem when not managed properly. Sometimes prolonged debt problems can be arising out of your control. Then, how can we fix the debt problem?

Usually financial difficulties did not come suddenly, but it happened due to accumulation of various the financial problems that can not be solved wisely, following are the signs of financial problems that might help you identify these problems early :

You consolidate your debt with new loans with higher interest.
You pay minimum all of the bills that come every month, sometimes even neglected.
You work extra, not because you love to work 16 hours a day, but because of needs that must be met.
When the ratio of debt to your income above 20%

Many people in a debt position and feel hard to pay the debt will think to owed more as an alternative to get out of this financial problem, but this is the same thing, solve the problem with bigger problem. Debt problem not always can be solve by owe too, and here are the steps that might be useful for you in handle a debt problems :

Do not run away, the first step you should do is to admit that the debt you have is a serious financial problem. You should not run away from the person who give you loan, the more you avoid or run away from them, the more problem you will get. Face it, tell all your financial problem and offer the solutions which is good for you and the person who give you loan.
Try to change one thing in your habits, when a credit card that causes you to lapse into endless debt, stop using it, try to stop yourself and shop with cash.
Do not make our minds stuck with the debt problems but start thinking about the opportunities to earn additional income without owe. When there is an opportunity to obtain additional income without owe, take action immediately, not matter how small it was. Sometimes God works in mysterious ways, the things that seem small before sometimes become large in the future. Do not let your day pass by without action.
Make a budget records, once you've started to stop to use your plastic card and began paying the remaining debt, so make a budget that include records of this and stay on budget. In a situations like this sometimes very difficult to be able to control your spending moreover if you should reduce them. So, keep your motivation at the beginning to be free from debt problems.
Change your habits in terms of financial. Comprehensive financial planning is a partial solution, without changing your habit in terms of finance, will not be much to changes your financial position.

There is no problem that can not be solved, including debt. Even, the problems that you face is probably one part of your learning becomes a success businessman. And have a good financial planning for healthy finance

Quick Way To Get A Job

noreply@blogger.com (Ayu) — Wed, 26 May 2010 09:28:00 +0700

Higher education does not mean you easily get a job, and it takes discipline and a mature strategy for success. Many say that applying for a job for the first time is the hardest thing in human life, whereas if we know the strategy, obtaining the first job is not difficult thing. With a little planning, saying the right things during interviews, know putting yourself when talking with others, specify the job that you like and you are good at are the quick way to get a job.

Below are the quick way to get a job tips that might useful for you :

Know what the pros that we have, the first step in job hunting is know the ability that we have with create a list of advantages that we have, then connect with a specific example of how we apply it in job. And it will be very useful during the job interview, if you can describe in detail how you apply your strengths maybe your interviewer will be impressed.
Find out about the companies you send an application.
Advertise ourselves well, you should express to the interviewer what you can offer to the company. Offer a creative and different proposal with other.
Use your friend for connection, The best way to get a job is trough a friend or called networking. Expand your association, for example : joining the alumni ties when you in High School, college and neighborhood and tell your friend that you looking for a job.

Job interview is also a scourge for a lot of people and many people always feel nervous and panicky during the interview. Usually panic and nervous can occur if :

When entered the interview room, you confronted by four or more leaders of the company.
Fear can not answer the interviewer questions.
Fear can not be satisfactory interviewer.
Meet with other candidates who look more elegant, and seem more intelligent.
Feel tense or nervous and interviewer know

Then how to handle the job interview problems?

Problem No.1, calm yourself and be assured with the ability you have, see them as human beings just like you.
Problem No.2, The only way to overcome this problem is find as much as possible the information about the company that will hire you or if you are given the opportunity to ask, ask as much as possible.
Problem No.3, Take a deep breath to calm yourself. If a good answer does not satisfied the interviewer, give different answer as best you can afford.
Problem No.4, Never affected by the power of nonverbal. When you decide to come to the office that will hire you, make sure that this job is the one you want and you do meet the criteria required.
Problem No.5, this is not unusual, and something interviewer expected and usually interviewer wants to know how you overcome your nervousness. If you have time at other times, practice for interview. Applying the job just to find out the interview situation. Feel the fear you experience and how you cope, evaluate whether there is a mistake you do or say. The more job interview you attended, the more you are trained to face the interviewer and do not let them scare you any more.

Whatever method you choose, do job searches in organized way, targeted and creative. Success is the end result of the creativity and hard work that built all around it. I hope this Quick Way To Get A Job article can be useful for you in job hunting.

How To Increase Website Traffic

noreply@blogger.com (Ayu) — Fri, 14 May 2010 11:01:00 +0700

There are many ways people do to increase traffic to their blog or website. Not a few of them are willing to spend some money to bring traffic to their blog or website. And one way that many people do is make or follow the SEO contest by using certain keyword such as Increase Your Traffic With Klikrar. Whether in this way can bring more traffic to your blog or website?

Actually many other ways we can do to increase traffic to our blog or website other than following the SEO contest such as Increase Your Traffic With Klikrar, like the example below :

Keyword, find a keyword and phrases that people may actually enter into a search box on Google, so that it will be attractive to visitor and search engine.
Optimize your site (SEO), use your keyword and win on the search engine when people search for keyword related to your site.
Get listed in search engines, submit your site to all the major search engines such as : Google, Yahoo, MSN, Netscape, Lycos, etc.
Have good and original content, write interesting and quality articles so that your visitors interested and coming back to your blog or website. Write routinely so Google will notice your site trough search engine.
Get link to your site, get people sites to link to yours and ask them to do the same. Links lead to clicks onto your website and help to improve your search engine rankings.
Participate in social media, find forum that relevant to your site content and participate. Link your blog or website to that forum for example : facebook, twitter, digg and other famous social media.
Following the SEO contests, participate in SEO contests like Increase Your Traffic With Klikrar will greatly help to increase visitor website traffic. And I believe Increase Your Traffic With Klikrar will also help you with Google search engine.
Do blog walking and leave a comment on another blog or website.
Advertise your site, if you have money you can advertise your blog or website with Google AdWords by Google or buy review program and etc.
Be patient, this is the most important key from all the point above.

When we talk about increasing website traffic, we surely talking about several different things, including increasing hits, increasing pageviews, and increasing unique visitors. However, SEO and keywords play an important role in bringing website traffic, whether by following the Incrase Your Traffic With Klikrar contest or any other SEO contests.