Business and Finance Studio

Archive for the ‘Savings’ Category

Most new business opportunities, the biggest, most mysterious, least understood but most promising are the opportunities offered by the Internet. Every day, Internet business bigger, better and more to help marketers and consumers. But, for anyone who wants to use the Internet, should understand the following three facts:

1. Online marketing will only work if you understand about marketing.
2. Online marketing is not just a website.
3. Online marketing is just a percentage of overall marketing.

On the internet everything there is and everybody knows it. But not all people do online, because not everything is ready to make a purchase with the Internet.

In other words, if you want to improve the ability of internet marketing, you also have to continue to do marketing with the media

traditional (offline). Because you also need to market your web site. Even when the internet was able to penetrate the market comparable to the phone, you must continue to market your web site because every time you have to develop your site. Television has revolutionized the way marketing, but nearly all advertisers on TV also market their offerings in other places other than television. TV is part of the marketing mix, but not part of the overall marketing.

Have you ever thought about it, how much money should you spend to prepare for retirement, for the cost of male / i your school.?

In this life there are 3 problems that occur in human beings, namely:

1. Life is too long, “Sure you want at the time of retirement, at least remain stable life if you can even go up and not down”, and can live with today’s lifestyle.

2. Life is too short, “Died at the productive age, whether we have prepared the legacy of the people we love, anakbagaimana education fund? so people who left could still achieve their dreams “

3. Prolonged pain, “For example, the age of 45 years experience STROKE, it will affect the growth of income / income even gave us could lose income, many people have not thought about it.” Have you prepared ..?

I only remind us that age, the average was just 30 years, whereas we use for 50 years when we lived until the age of 75 years, so to overcome the situation that we must save and invest from now to the cost of our lives 20 years longer. Please know also that in the time saving that we still face the possibility of eg sick, got laid off, or some other unexpected things.

So Prepare since from now, your financial plan with smart insurance. Smart Insurance is your financial Intelligent Solutions.

Work, activities and work done by someone of course to meet basic needs, ie Clothing, Food and boards … and one more basic needs of Toll, Toll has become today’s basic needs are pretty, only then some aside for Savings.

According to the survey there are 2 types of people in spending money: The first type is a new first saving SHOPPING, SHOPPING PAST A second type of new saving.

You which type ..? if you include the type of the first I say “Congratulations to you” because this type is the recommended, not since childhood we are taught to save money ..! To save money … What the hell? possible answers to these questions can be very diverse at all but the outline is generally purpose of saving is For: Investment, to prepare the pension funds, fund children’s education, emergency funds, and funds for Naik Haji.

If we draw a line starting from the point of life is always 0 (zero), which begins with birth, 0-24 th learning process, aged 25-55 years (30 years) or a mass of productive work, retirement age of 55 years, Indonesia has a life expectancy of people until the age of 99th. Assumption average Indonesian people died at the age of 75 years so since the start age of 55 till 75 th (20 years) is the time to spend the money / savings certainly not the least distinguished of funds must be spent to survive for 20 th. so the money we collect for 30 years (age 25-55) should we use during the 50th which is during the productive years (30) + retirement (20) = 50 th.

Did you ever take it into account?

Are you ready you with your savings?

I will lay out a way for you. If you always spend your money first, so always run out of money to save, why are you not reverse the process?

When you get your paycheck on the 25th, set aside some money for your first tube, then the rest is spent. If you do it regularly, then after a year, you already will have a store in large quantities.

When you do that, then you are no more excuses for you not to save. Well, maybe just the money you spend can be reduced. But that’s the consequences: You need to have some funds as a reserve for your future.

“Who, really, who does not want to have savings? I also want to, really, saving money. The problem is, my money runs out continues …”

“Not to mention the kids have bought shoes …”

“I just also need to buy this and that …”

“Ah, I was a talented baseball managing money …”

The words above probably familiar to you, or perhaps your own experience. You want to be able to save money, but in practice, it is hard to do. You always run out of money at the end of the month so it can not save. Do you belong to people like that?

Do not be discouraged. Everyone is almost certain to experience. Saving money (to invest on a regular basis) is often done for various purposes. However, if you set aside money regularly, then the money you collect can be very useful.

Some practical ideas to start our savings:

* Make a list of expenses and income of the household
* Eliminate unnecessary expenses, such as reducing cellular costs, we live in a world sometimes unnecessarily hyper-connected, replace the use of fixed telephony, IP telephony, watch less TV, this simple action can save energy. I leave to the reader’s imagination as to continue the list.
* Look for things that are no longer used inside the house and sell them online
* Optimize food purchases using trade fairs, consumer organizations, better targeting products
* Organize and manage time better, it allows to better distribute the money that comes in the house
Buy a plan with a savings or retirement fund that allows relatively low monthly contributions to debit credit card normally give an average annual return rate of 9% in dollars, these plans create wealth and welfare in the future.
* Make a list of “do”, this involves determining goals for the short, medium and long term. For example, a beach vacation in luxury, traveling on a cruise ship, change your car, buy a house, jewelry, or just do a postgraduate accumulate cash.

If in doubt, seek advice
After defining the objectives, and before taking any investment decision, it is important to know what the risk tolerance that we as investors and what is the expected return.

As stated in the prospectus, any doubt, consult with a physician.

In conclusion we can say that planning is one of the pillars of success, but will not be effective if the plan is not met or do not take the right decisions with the right expertise at the right time.