Business and Financial Image

Archive for 2012

unit linked investment instruments. Unit linked investment instruments is a fairly safe with the yield rate of investment is quite interesting. Safe enough, because on the unit linked there are elements of protection in the form of life insurance, so if there is a risk of life such as sickness, disability, or death, unit linked could provide benefits for holders of policy.
In addition to providing life insurance benefits, the rate of yield investment products is also interesting, although it will be very dependent on where the funds are invested. Funds or fund his investment portfolio for distinguished, namely in money markets, fixed income, balanced/mixed or equity. And differences in the investment portfolio is causing the yield and the risk level is also different between fund with one another.
Actually, the unit linked products is still relatively new in Indonesia, which began to develop around the year 2000s. However, with the development of the knowledge society on the investment unit linked products, more and more interest. Because, in addition to still provide protection, policy holder can enjoy the yield level in accordance with the conditions of the market, whether in the money market or capital market. Unit linked products this is itself a product of the development of mutual funds. The difference with a mutual fund, the unit there is a link element protestation. This is because the unit linked is a development of insurance products.

Mutual funds are investment products that are getting more and more known in Indonesia, since it was first published in 1996. Mutual funds is quite safe from the risks and the return on investment can be very interesting results. Why is this so? Since mutual funds are managed in a professional manner by people who their fields, that we know as deputy manager of the investment. Published mutual fund companies that have licensed as investment management company or commonly known fund manager or fund management company.
Like unit linked, mutual fund investment portfolio over the distinguished. In Indonesia there is a division of four types of mutual funds, money market mutual funds (money market fund), fixed income mutual fund (fixed income fund), mutual fund shares (equity fund), and the mutual fund of mixed (balanced or mixed fund). The level of risk and the returns on its investments among different fund-fund. The lowest level of risk and the returns are money market mutual funds and the most high level risks yet with the highest rate of return is the mutual fund shares. In addition to mutual funds which are already mentioned, there is now a special mutual funds such as mutual funds, structured (structured mutual fund), index mutual funds, mutual funds, foreign currency mutual funds, mutual funds, sectoral, local unit trusts and mutual funds ETF (exchange traded fund).
After mutual funds, then there’s the bond. Bonds can be divided according to the type and level of risk. Starting from government bonds are also known as ORI (Indonesia Retail Bonds) and corporate bonds. Corporate bonds yield or coupon give higher interest rates but lower levels of security. Bonds are typically rated by independent rating agencies that are known to fail to pay the level of risk (default risk) to what extent. Higher ranking  little risk.

Business Is A System

There is an old father his job is cutting down the tree and make the furniture as well as building a House of wood yields. How to used the old father in  tree-cutting is simple: with the saw. The saw itself was used for various purposes, ranging from cutting down trees to make furniture. Such way is obviously not practical because it requires extra manpower and time.

At one point, the old father got information that there is a sophisticated tool that can ease the work. Mindlessly, he goes to the store building in the city to find out what kind of tools that can help him. The store owner then shows the tool in question without explaining how to use the tool.
For smooth work, the father of old did not think twice to buy the tool even though it is relatively expensive. To win the heart of his new customers, the store owner gave a one-month money back guarantee if the father of old are dissatisfied with the goods in question.
Exactly one month later, the father returned to the store carrying a chainsaw “sophisticated”. To the store owner, Mr. it reveals his disaffection against sophisticated products. In order to maintain credibility, the store owner was true to his word that a number of return the money Mr. chainsaw prices advanced bought.
Driven by curiosity, the store owner then check out the saw cutting edge it carefully, starting from until the other small parts. Because it did not find any last anomalies, she turned on the appliance. Hear the sound of a chainsaw cutting edge, the father of old jerks shock. He added were stunned again when the store owner explained that the saw cutting edge it should be lighted first before it is used. During this time, he used a chainsaw without turning on the engine. Surefire instead simplify the work, it even drained her energy doubled.
That’s an example of how the presence of advanced technology is not followed by the understanding and utilization of the technology optimally. Don’t all the way. Try your responsibility honestly, whether during this you already take advantage of this cutting edge stuff around you such as a computer, mobile phone, and so forth optimally?
Errors that generally we do is an unwillingness or laziness we use existing systems. In everyday work, we actually have been faced with a system that outlines in detail what-whatever we have to do. However, oftentimes we dismiss the system and prefer to work on something in our own way. The result, we could not work effectively and finally we do not generate something as expected.

There are only 2 ways to Get Customers

I will be offering two scenarios if you are a seller.

The first scenario is you sell door to door … You sell from door to door, passing the Yellow Book, phone list of Association members, and so on …

The second scenario is quite different. You sit at home and watch TV with my family. Suddenly the phone rings, you pick it up and sounding voice, “Hello, good afternoon. If I could talk to my Mom She is? “

. I was looking for a stay-home mom  are proposing I bought from you. “

Wow.. wee … yes. You don’t know who he is and that person is calling you and says he wants to buy from you! Which one you choose? You go from door to door offering your products and rejected, or even , or are You sitting at home, the phone rang, and you got the order. As a seller, you obviously want the second scenario, right?

Well, let’s see the restaurant. The restaurant does not know all their customers, but customers telephoning the restaurants to order food to be delivered to house their offices … right? If you are the owner of the restaurant, you don’t get to know everyone, but every day people come and dine in your restaurant … it is a sale, right?

How can you be so? How do you do that instead of you who go to customers, but customers who come to you … that’s what we want, right?

So, my question is if you want your customers come to you, if people know You exist, and whether they know how to contact you?

If they are happy to call you? If Yes, people know you. Yes, if people know you’re there, know how to contact you, and how to reach you, then your chances to get an order for more. But if people do not know that You exist, people don’t know what business You plunge in, and do not know how to reach you, how could you can get orders?

As a salesperson, you need to think as a business, and all businesses advertise yourself, isn’t it? You also need to advertise yourself.

I give an example. Let’s say you are very very thirsty, after sports for example, and you want to drink a soft drink which is refreshing. When you imagine the drinks are very cool, very fresh, black, drink what comes to mind? Brand is what comes to mind? Some of you may be answering a Coca-Cola, right? How does his story when you are thirsty,  want soft drink a fresh-chilled, are black, you then think of Coca-Cola? Why don’t you think of other brands?

So, my question now is if you’re a seller of insurance, whether the people who want to purchase insurance then think about you, contact you, and make an appointment to meet with you? If you are a seller of a car, and someone wants to buy a car, if he would be reminded to you? They should think/know about you. What should you do to them will remember you when they intend to buy a new car or a used car? You have to advertise yourself.

At least 50-100 people passing your home every day. Do they know that in that House there is a seller of insurance? Do they know that inside the House that there was a car salesman? Do they know that inside the House there is an expert repair tape, radio, fridge? They have to know that you’re there. Otherwise, you will not get the order. There are only two ways to get Your customers: looking for customers or customers are looking for you. The choice is in your hands.

Weigh well before the Agreement Contract

For those newly graduated from the University, the world of work should be the initial stage where life seems to enter the “real world”. Therefore, it is important for graduates who are getting the first job to pay attention to a lot of things before signing a contract aka accepts the job.

Suggestions to make consideration of Cook-Cook before Mencken the contract of course not only applies for new graduates entering the workforce for the first time. For those who got a new job offer from another company, or moving to a new place of work to start a new career, it is important to pay attention to the following things:

1. consider the expectations that are realistic to salary. If this is your first employment contract, then you should already have an idea of the salaries of new graduates for the industry concerned, so your request according to the proportion. If the case is you were moved to a new career, don’t start immediately assume that You “deserve” anything from the salary. Return to the main purpose of Your move work, in addition to also consider the condition of the company

2. Note the package benefit offered. Remember that your salary is just one component of a package that provided the company. Do not hesitate to ask, what are the other benefits offered, and compare which is better with that you have in your company before.

3. remember early on that job satisfaction is something more important compared to how many rupees you can bring home. This is often forgotten by job seekers and those who first moved out of work. Any salary and bonuses you receive, if you hate your job, then you will not be happy.

4. take decision based on the situation and condition of the “real”, and not based on “how I wish”. Don’t worry what would happen if all of that measurement to the path of success for your new job. That is important, what you can do now.

5. remember that finding a job is (part of) the entirety of the work itself. If you are wanting to make a change, you need an approach that sees the change as a project work. Plan everything to go according to wishes.

Dear readers, this time I will explain the stones on the accumulated wealth on the concept of Financial Pyramids (having previously been discussed completely on its foundations stones). The stones in this section take the assumption, if the foundation stones of this financial pyramid has been fulfilled (though not 100% but it’s already done) then it means that there has been “more money” that can be invested. In other words, the income of a person or the individual is increasingly. On the other hand, with revenue increasingly this, then that individual also wanted a level of higher yield to accumulate income or assets (wealth). If the foundation stone, a person or individuals “working to earn money”, then on the accumulation of wealth, “money working for money”.
The problem, according to the theory of investment, when the level of the yield or return the expected higher then the consequence is the risk or risk going higher anyway. Higher expected return than an investment instrument, increasingly higher risk of decline, even the loss of money or capital invested in investment instruments.
Most investment instruments is low risk and means the lowest level also have upshot is savings and deposits. As we know, savings or deposits guaranteed rate of interest in a specific time period by issuing banks or savings product deposits. Even in Indonesia, to fund community savings in the bank until a certain amount of guaranteed by an agency established by the Government to protect Community funds in banks of risks such as the closure of the bank (liquidation).
The interest rate savings or deposits of banking the longer trend shows a decrease caused further decline in interest rates on Bank Indonesia benchmark set, and low levels of inflation. The better the economy of a country, generally the lower the interest rate banks.

10 Keys to success in making websites

create a website 200×133 10 key to success in making Westernizing with the development trend of the digital era is today, many large companies as well as the perpetrators of small businesses who don’t want outdated and started to glance at the online marketplace as land a very promising new business. It is not surprising that today many businessmen who originally ran the business offline, now began to develop its business by creating a website to reach out to the broader consumer.

The existence of online sites such as website, surely makes it easy for potential customers to access all information related to your business through cyberspace. Even through the website, you can also establish communication with prospective customers in different areas, so your chances of getting a high sales turnover is getting wide open every day.

Well, that’s your business not outdated and get a fairly sharp increase in turnover. Now it’s time you made a website to market your products or services online. And to facilitate the plan, the following we inform the readers about the 10 keys to success in making a website.

1. Inform the company description

Ideally a website is always equipped with the identity of the owner. It is important to let the visitors know who you are and what business you run. Therefore, the mandatory law to include the column “About us” or “about us” in the website you have.

2. website design is interesting and certainly friendly visitors

Interesting website gives the look of attraction for the consumer to pay a visit to your website. So, customize colors and design a website that you make with the tastes of the market you snap away. The most important is to choose a color that is not showy and use fonts writing easy to read the visitors. domain name 200×128 10 Key success in creating a Website

3. Select the domain name that is easy to remember consumers

The existence of domains have almost the same function with the brand of a product. Therefore, try to choose a domain name that is familiar, unique, and memorable of the consumer.

4. choose a hosting company that is safe and reliable

You can establish a partnership with a hosting company that is safe and reliable in order to prevent the risk of the bad that may occur during the running a business online. Even though it’s been a lot of companies hosting local and international, but try to choose the most flattering reputation and truly trusted quality of his service.

5. support with Search Engine Optimization (SEO)

A little more you must know and master SEO techniques in order to make your website easy to find internet users through search engines. This strategy can you run by utilizing keyword of interest, add some links still relate to your website, add video, and so on.

6. give your content up to date

Pull consumer interest by presenting content — content that is always up to date, on a routine basis. Provide the information they need, and avoid activities of copy-paste the content to keep the quality of the websites that you wake up.

7. provide the address and contact person are clear

One of the guns that You put in a mandatory is a website address and contact person can be reached the consumers. It is essential to build the confidence of consumers, and become the gateway for them to contact you directly.

8. be strong with testimony about the visitors

The positive customer testimonials from customers into power for you to convince prospective consumers. So it doesn’t hurt when you set aside some space so that the consumer could share the experience they get after using your products or services

9. promote your website

One of the keys to online business success lies in its promotion strategies used. In order for your site to generate a large turnover, not tired to promote it through email, social networking, Classifieds, ad banners, business forums, and so on. The more people who know the information on your website, then the greater your chances of bringing in big turnover each month.

10. Complete with a map of the site to simplify navigation

Just as a book which features the table of contents to facilitate customers in finding information in books, then you can also complement a website with site map that makes it easy for consumers to get their content, products, or services that they need.

After discussing the 10 tips in making online business website, hopefully successful businessmen not only mastered the offline market but also managed to expand online market.

The Value Of Patience As The Key To Success

patience is the value of patience As the key to success “key to everything is patience. You can get the chicken from lay eggs, not break it. ” Conscious and unconscious behavior, we know that every human being is currently always wanted instant gratification that is, doing sales that are not too long, buy food with fast service, send the goods with deliveries or attract the attention of super Flash and negotiate in only ten minutes. Most of us want anything happening with super fast.

The development of technology like the internet, cell phones, fax machines, pagers, etc., “forced” we can obtain a variety of information about the same time with the time it happens. Our parents generation  to await the publication of the daily morning or afternoon to get a DAB News.

We have also have a news channel that broadcasts 24 hours a day and the internet where we can see a variety of events are peeled. In fact, to open a site for too long — any, most of us would not want to be patient. It seems patience isn’t a great value in this new millennium.

But in the business world, patience is still and will always be needed. Most of the entrepreneur who seems to be “sudden success”, we often hear that in fact he takes several years to reach it. We can see, a lecturer called “sudden success” is certain to have high education, often doing research, continuing lectures to the level of the strata 2 and when I was in college a continuous task (very heavy for me, ha …ha …ha). A similar thing could also happen to an athlete notable e.g. football. What we don’t know is the year in which time he spent to practice, following the leagues as well as eating a village without a paid “rice vegetable know well” for the Patience is very difficult under, but necessary if we want to do things properly. When  Lombardi (co-founder of The Young Entrepreneurs Inc.) has his company, often appeared the idea of products and will offer it on someday. Sometimes he does it and ideas were proven to be heavier than its worth, because he was not planned well.

Most of the things take a while to get done correctly, because will only burn yourself. We know that the painting “the Last Supper” takes four years. How great would it be if Da Vinci tried to get it done faster …? Will so whether his paintings …? Four years is a long time to complete a painting, but it is clear at last these paintings were very valuable.

Business Opportunities Online Through Blogs

illustration of 250×167 blog business business opportunities Online through the  online business opportunity it can be done in many ways. From the beginning to use the facilities of websites, blogs, and social networks such as Facebook can also be used as a medium for running an online business. One of the media that is often used by beginners to try an online business that is using the blog. Most people choose the blog as a media business online which they run, because extensive media blog provides the opportunity for online business actors to fill the blog with the support of his effort.  the majority of the community has always assumed that online business that may be only limited to affiliate business, links, paid reviews, sales or Ad-sense only. When in fact there are many offline businesses that could be developed with the online system through the blog. For example, by using blog as an online shop, which provides boutique clothing from a store or offline.

Here we give you some tips for online business success blog by using:

• Use the free space on your blog is to offer products that sell. For example, in the form of products, eBooks, video tutorials, or it could be in the form of business services such as website creation services. Beside that, you can also offer a product offline through blogs to increase the turnover of sales of the product.

• Use the advertisement as one’s chances of obtaining additional income. The ad offered can be advertising links, banner ads, advertising or other options. Ads provides convenience usually i.e. advertising affiliate program.

• Post info products on offer you blog, usually the consumers will be interested in a product after they read the reviews or product info that explains the quality of the products offered.
• List any evidence or experience from customers who are satisfied with the products that we offer. Testimonials from their customers, can increase consumer confidence the new products that we offer.
• Focus on one interest based on a hobby that you like. By doing that, you can enjoy your online business through a blog so that running a business is able to survive in a long time. Usually the perpetrators of online business do not stick with its business, because they are less patient and not enjoying what is his.
• Keep the loyalty of existing customers, by providing any information to 219×200 online business Online business opportunities Through  and a full service hospitality. So consumers will be happy to come back to your blog.
• From a blog that used to be only used for sharing with friends, can now serve as a media business that can make money. Actually everyone can run a business online just by building on their blog. The most important thing is creativity to always give innovation on business that he run. Successful greeting. \

10 keys to success

For some people, the business can be the one thing that is impossible. Not because they don’t want to, not because they don’t want to, but it was impossible because they really think that doing business is impossible.

Many people dream of becoming a great man, has a lot of wealth, position, rank, position, even dreamed could explore all corners of the world whenever he wants. But it is only limited to the dream. Dream as if nothing will ever materialize, even very-very much able to achieve, not because he didn’t want to, but because he thought that it is just limited to the dream.

Who’s wrong? Is it wrong if we have a dream? Many of us who are restricting the ability of ourselves because we are creating a psychic barrier walls which of course it would hamper the development of our ability to physically. Many of us who feel no PD (Self) precisely when given the freedom to think, to act, to produce something that is best.

Business is business. Business is not a thing to come by because you are the son of a rich businessman, conglomerate, or other derivative products. You will only be successful in business, when you really delved into what’s inside, the totality of it. Many successful people we know that their success in business, because they are assiduously, optimistic, and always enjoy any process that exists therein. Prior to its former glory, certainly hard times never bypassed forts. All barriers, challenges, not dimaknai as an obstacle, but rather becomes the trigger ourselves to be able to pass the test.

Life is a round wheel of life. If we were walking in an uphill, cheer up, reassure yourself, that there would be no way in front of the derivative. We are born not as an expert, but the expertise we will be born of our seriousness in the study, an ongoing process of doing things, until we become experts.

Jennie s. Bev, a consultant, entrepreneur, author and ethnologist in the San Francisco Bay Area, and also a citizen of Indonesia’s “successful” competed in a climate of tight Us, he put forward a ten (10) the personality of the successful people (both in terms of finances and accomplishments) based on communications and permanganate with the billionaire and several other successful entrepreneurs.

• The courage to take the initiative.
• Timely.
• Calm serving and giving.
• Open up first.
• Happy to cooperate and foster good relations.
• Love to learn new things.
• Rarely complain, professionalism is the main thing.
• Dare to take the risk.
• Do not show concern (think positively at all times).
• Comfortable in their own skin” covering up something and so that it looked “more” from the opponent’s interlocutor.