How Check-Up Finansial
July 31, 2009
1. About the situation of the present, measured by liquidity (the availability of cash to pay for the purpose of routine and urgent needs).
2. The impact of past decisions debt, measured with the solvability (the ability to pay debt obligations at maturity).
3. Conditions of the future, productivity measured by the ratio of assets of the results or save investment.
Liquidity Check-Up
In general, all families will require a certain level of liquidity to maintain the ability to pay their routine expenses. Checking the level of liquidity can be done using the financial liquidity ratio, which can be calculated to compare with the liquid assets in the form of cash, savings and demand deposits with an average of one week. As an example, the amount of cash, savings and deposits are and the amount of Rp 5,000,000 Rp 3,000,000 monthly. From this data, the ratio of liquidity = 5000000: 3000000 = 1.67. This ratio shows the ability of liquid assets to cover the needs during monthly 1.67 hours or 1 month 20 days.
In general, the recommended ratio of number of 3 s / d 6 months (emergency fund). Ratio that is too small can make Read more
Tips How Running a Business
July 31, 2009
I still remember you, the topics I cover on the number two ago about the tips Practical Business? Well, hopefully after reading any posts, you will be motivated to want to run the business. okay, why not? Business is one way you can do in order to increase revenue.
Well, if you now think: “Approximately interesting idea is also to open a business. Okay, now if I decide to open a business, about what important things should I look? like I just failed in business I ….”.
I so remember when about two weeks ago, I read any posts from a businessman in one of Indonesia. He says, “If you open a business, then what you should do is just do ….” I think that is correct also. Many of us that when a business will often stumble on the activities that are calculated measure such as, “What about this business I can hit ya … Try me count the first …”. Read more
Find the Perfect Student Credit Cards
July 29, 2009
Nowadays, credit card becomes the major payment method. People love to use credit card because it gives them the easiness on payment when they purchase something whether it is on online or land-based store. What is best from credit card is that we do not need to deal with currency when we want to shop in foreign country because the reputable credit card will be accepted as the official payment in every country we visit.
In the past, our parents are the ones who have the right to purchase and apply us our credit card. We get our credit card under our parents’ name and approval. However, with the higher independency number of student on these recent days, the credit card companies provide credit card for student that can be applied without parents’ recommendation and approval. Read more
How to Get Themselves to Save
July 29, 2009
I wanted to save money, but money seems to keep me out. In addition, children also have buy shoes, and I just need to buy this, that … … ”
Words above may be familiar in the ears, or perhaps your own experience: You want to be able to save money, but in practice, it is difficult to do. Whether you are a person like that? You always run out of money at the end of the month so can not save?
Do not be grieving. All are almost certainly experience. Save, or invest on a regular basis, often done for various purposes. With the money you set aside on a regular basis, the money collected can be very useful.
Someone who has a revenue of Rp 1 million per month, for example, have only a year after the account balance is Rp 200 thousand in the account. Once asked why the amount of the balance of the account only after a year working period, he said incomes are often exhausted in use in a month so that he can not save. In fact, if he wants to save as much as Rp 100 thousand per month only, then at the end of the year he will have a number of the account balance of Rp 1.2 million, plus interest! Read more
How Financial Preparation For the Birth Your Baby
July 29, 2009
You will have a baby? Wow, congratulations. Isn’T you, I will surely participate pleased to hear if there are others who will soon have a new member in the family.
How not? The birth of a baby often give a new spirit in the family. Even the spirit is often even appear around 8 - 9 months previously when the parents get the news of pregnancy from a doctor. And it can be to guess - the happy is when the child is truly born.
What happens next? The longer the baby gets worse. Slowly he has started running. May still first slowly, but the long run he has started running even though still quite rigid. Then, in just a few months or years, you will see it run here run there anything that is in the front squall noisy, and you will soon look back when he was still in your stomach. Like now.
As a Financial Planner, if you have a baby who may not have been born, there is no other that I can do except advise you to prepare financial families in the birth of a baby is welcome. Read more
Overcome the Financial Crisis at the Global
July 29, 2009
The increase in fuel and followed by the increase in food are not likely to be arrested again. Which is the basic material needs of the daily sacrifice shall be redeemed with the fund that no little longer t. the earnings may not rise as a result of the company difficult to increase the fuel, we still must accept the fact that spending money and transport money that has been prepared that can no longer be used as properly.
With such circumstances, what might we do?
From the start in
Financial problems we are located in the one fact that is not sufficient revenue that we earn. And answers that are appropriate for it also makes it clear that is enough. Some of us will say get additional revenue is way out. I can not blame such a contention. But if additional revenue is always a solution? In fact must be recognized from the foreign money is not easy. In fact, sometimes the sacrifice must be made not balanced with the results obtained. Not to Read more
How To Find Additional Revenue For Themselves
July 29, 2009
The increase in prices in post-basic fuel price increase appears to have been rather strange things again. Even before the official fuel price rise, the prices have started rising precede. Of course this is a consequence of not less in the household budget of each person. Automatic spending increases, while earnings ….? appears to be silent in the motionless.
So what it? In a deficit situation, there are always two-way exit. The first way is to reduce expenditure or make savings, and how that is by adding a second income. Or if both will be at once more.
Husband is a quite effective in the short term. But there are also sparing limit, Further increase in the price are likely not only once. Then the solution to the long term is more appropriate to increase the revenue that is not greater than the spindle pole.
Increase not only means that the salary increase request on the boss, or find a new job that promises more. That Read more
The Favorit Shopping City; London The Most Desire
July 24, 2009
Shop for some people may be regarded as a hobby or routines that need to be done by several people at a certain time. Especially for you who love to shop while you tour the famous in a place abroad. On this day (21 / 7) is a leading business site, Forbes, announced the results of a survey of 14 cities that are considered as the city’s favorite destination for shopping. Although the global economy still has not showed a significant recovery. Consumer purchasing power of the world seems not too have great effect, especially cities that enter into the list including the cities of the world tourism destination.
In Forbes Sruvey, calculate how large a percentage of the number of retail shops that have in each city. With the large number of retail stores in a city, then it will reflect that the city could absorb the demand of consumers.
London Most Favorite
Number first or most favorite city to be occupied by shopping destination London. England’s capital this success occupies the first position with the percentage of retail stores reached 59.26%. London chosen as a shopping destination city is not foreign to the people of the world again. Have good infrastructure and also the number of merchant-merchant retail favorite customers make the world stand to spend time in the city. Read more
How to Become Smart Wife in Finance?
July 24, 2009
Frequently we hear of a husband to give reasons, “I get ‘the house’ before.” And we understand that is is his wife. It is the tradition of our society, the wife is the manager of households, especially in terms of financial management. In fact, the financial situation in the less profitable, the wife threatened to ‘forced’ to participate in work to meet family needs.
Some tips below will help many of the wives to be more intelligent and skilled in managing the household finances.
1. Building financial trust with partner (husband)
Plan your household finances together with the pair. Create communication honest and open. This will change the attitude of blame to one another (Note: This is one of the main rift household) to remind each other what happens when excessive expenditure.
2. Expenditure, debt / obligations, and savings Household Budget.
What first appears in the mind at the time you receive income every month? Shopping? Pay off debt / obligations? Or save money?
If spending the first show, almost certainly your household budget will suffer a deficit. You need to change that habit. Use to cut income to save it. This is to ensure net cash flow (net cashflow) your household budget will surplus / positive. After that, the first pay the debt / obligations. Ensure that debt / liabilities decreased continuously as scheduled already planned. Beware interest charges. Just then from the rest of the budget available was used for household shopping needs. Do with the habit as above, you will more easily reach the financial goals you want. Many of the housewives who are used to make a budget. Read more
How Saving Money
July 21, 2009
All grocery stores have to get rid of certain items by the end of the day so if you plan to buy things like a whole cooked chicken(Chicken specifically gets marked down 3 hrs after cooking), go at the end of the trading day and you will find your chicken marked down, usually by less than even half-price. You can get a similar benefit from going early morning.
Find out when your specific store does mark-downs - Usually 3pm and 5pm.
Note, some grocers do their mark-downs first thing in the morning (opening time)
If your grocer is open late, try between 9pm and midnight for mark downs.
** Fruit is cheapest at the end of the week, so go Friday and Saturday.
While I can’t verify this, some people say Wednesday mornings are good days for mark-downs as some grocers do mark-downs on Wed in preparation for the end of the week shipments.
Another day known to be the cheapest is Sunday evening. The best advice I would give here, would be to get friendly with someone at your local grocer and find out when they do most of their mark-downs. Read more