Clever Tips and Tricks Managing finances

Money is not everything-everything, but everything does not run smoothly without any money. Money from any source whether from work or self-employed still need managing well is not conceded by the lust for shopping, the lure of simplicity owes to the eye as well as inflation. So the prologue of the book "Intelligent and Ingenious Managing Money" Sri Khurniatun pens, RFA.
This is a book about financial mengulik comprehensively. Rare to find a book that explores personal finance books and financial business in one topic. This book is different and more diverse because it contains two parts, namely how to manage personal finances and how to manage business finances. As a result, this book becomes more "fisien" because it presents two quite in a book discussion.

The first part of the book, consists of five chapters, stripping of personal financial planning, ranging from the importance of financial planning for private and family up to a lack of awareness of citizens of Indonesia in formulating a financial plan, do not have a clear financial goals, time constraints, and have not mastered the science of managing finances well.

In the next chapter the author discusses tips on managing household finances, since the set financial goals, prepare a family budget, determine the income management system, the importance of emergency funds and insurance, to tips on building financial communication with your partner. In the next chapter, the authors convey a special discussion about managing finances for singles, overcoming personal debt. This section concludes with a discussion on tips for choosing an investment. Variety of investment product samples are also discussed thoroughly in the last chapter of the first part of this.

The second part of the book is more focused on financial management tips for small businesses that typically have not memilili financial records are neat, for example business money and personal money still mixed, and not have a standard accounting system. The discussion begins from venture capital to design, select the source of capital, know the types of lending rates and how to start a business with their own capital. In the next chapter also discussed the technical make bookkeeping, financial statements and calculate break-even titip / break even point (BEP). This chapter includes practical examples in table form a simple bookkeeping and calculations that can be followed easily. Uniquely, the book is also written tips on doing business with a way for the results.

"Intelligent and Ingenious Managing Money" quite reasonable as required reading for households, especially households of small businesses who still lay in managing finances but need instructions are simple and easily understood.

One more great book by Sri Khurniatun this RFA is, in addition to practical and simple, also includes examples of real cases in the form of question and answer so that makes it easier to digest.

Perhaps not excessive when Ahmad Gozali, Financial Planners Safir Senduk and Partners in praise of this book says, "Want ngatur household expenditure, increase revenue side, ngurusin personal debts or business, or increase business capital? This book all have a solution "

In summary, "Intelligent and Ingenious Managing Money" would make a great guide for those who want a life of personal and business finances are better planned, orderly and wise

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Building Competitive Business Warnet

Cafe business is actually quite easy to set up and run. Imagine, by buying computers, for example, 10 pieces, then install the software, then create a network for computers to one another to connect, and eventually drain into the network internet connection, so the cafe business.
To manage it is also not required of people who have high skill with a high salary. Self-sma graduates who understand about computers. Perhaps because of convenience, many people are competing to set up this cafe business.

If we pass the big streets and roads around there are universities, boarding, boarding students, or dense housing, it is almost certainly no attempt cafe that was there. The number of Internet cafe business is not just one, even more than 3 to nearby locations.

Although there had been three or more businesses, there is still a new cafe which appeared. They fought to get the same customer. Apart from making easy, in fact technology trend also has a big hand in forming the market of Internet cafe business. Communication and information that is offered infinite Internet.

The proliferation of Internet cafe business makes the competition tougher. They competed not only in terms of comfort, computer specifications, and Internet connection speed, even in terms of price. Price reduced to ruin the market to lure customers. If we want to survive, we have already selayaknyalah competitive advantage from the other cafe.

Daunnet
Like the cafe-cafe in general, daunnet also provide services using the Internet, chat, browsing, printing or burning. To maintain its market share, daunnet give privileges to their customers, among others, provide paketan. So Daunnet has a plus value in comparison with the other cafe.

One package consists of 3 hours with a price of Rp. 5000.00. This package is valid from 18:00 until 24.00. Another facility is to provide up to date free antivirus that is always on the up date every day. The place is cozy, clean, air-conditioned. Daunnet also provides a variety of snacks and soft drinks for its customers.

Has 10 computers that operate, Daunnet open every day, open from 08.00 hours until 24.00 hours, consisting of 2 shifts. Each shiftnya duration of 8 hours, administered by 5 operators. To access the standard tariff is pegged USD. 3000, - for each hour.

For the price, printing per share of Rp. Burning 600.00 USD. 2500.00 per 1 piece CD. Soft drink prices ranging from Rp. 2.000, - to Rp. 2500.00.

All cafe in jogjakarta must be a competitor for this cafe. However, rarely is the cafe that has paketan like that is owned by daunnet so daunnet have a plus value in comparison with the other cafe.

Building Beginnings Warnet
In making and internet cafe business plan, there are some things that should be a primary consideration.

1. Site selection
Which is generally very strategic location for business cafe / internet cafe near the site of the school / college, or close to the center of the hustle (hangout). Most of the calls that are located close to the student activities beneficial for the cafe. Alternative other visitors are a group of workers. Location is very important because it can be used as a benchmark of business success of this cafe.

2. Number of computers
Investment computers in large quantities is the next important factor. In addition to the utilization rate of usage of Internet connections is higher, adequate number of computers that will prevent visitors from waiting too long or left the cafe. The consequences of this computer followed by a larger investment for the cost of Internet connection.

3. Computers (Hardware & Software)
For the computer (specifically for the cafe), look for a decent computer but not expensive. Find the specifications and needs that fit in the cafe because the user must have come just to browse or chat. To use original software.

4. Network / Network
Networks used to use topogfari STAR network type. For this type of networknya use this type of LAN (Local Area Network). Some of the standard equipment needed include: HUB or SWITCH HUB, 1 PC to be used as a router, and cable networks (preferably purchased a roller for the preparation / cable replacement later on), often called an ethernet card or LAN card and connector (RG 45).

5. Electricity costs
Electricity costs per month determined by the demand for electricity from these cafes. To estimate the reasonable cost of electricity would be used to analyze how much electrical power requirements. For 10 units of computers, is the minimum recommended 6600 watts. Estimated cost of electricity to power it will normally be in the range of Rp 900,000 s / d Rp 1,500,000 per month.

6. The cost of connection per month
Connection options are very diverse and depend on the wide bandwidth, media connections, quality etc.. It is better to first determine your bandwidth needs new talking connection fee. To find out how much it costs per month connection can be seen from the ISP sites in Indonesia.

Building a Competitive Warnet
What determines the ability of cafe management is whether it can survive the competition. Competition here should be viewed in general. Not just a cafe cafe rival neighbors. ISPs are also rival cafe, because there are products that rival their services directly to the cafe. PC / Notebook too cheap rival cafe.

The combination of PC / Notebook cheap and inexpensive products that ISP or free Wifi access is a real threat to the existence of cafe. Therefore, the cafe should be able to put the target market and its services properly if you do not want eliminated from the competition.

Internet cafe business success can be seen from the level okupansinya. The common is 7-9 hours. Under 7 hours, the cafe was deserted counted. Meanwhile, over 9 hours the cafe is bustling counted (once).

Rarely there are cafes that have occupancy rates above 9 hours. The more familiar Internet technologies by the general public, opening opportunities for the cafe to continue to grow.

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Ways of Being a Real Estate Entrepreneur

It is not easy to become entrepreneurs. The risks would be addressed. Loss of losses and capital loss is certain to be faced. However, it never hurts to try.
There are 2 (two) are likely to be faced by people who want to do business: if ya do not lose profit. The risk of course there is, the most important is how to manage and minimize the risk of it concentrated in a promising profit. On this occasion, I will give tips on how to become property entrepreneurs.

There are several things to consider if you want to start a business property, as follows:

1. Business legality

Legality of business relating to any business carried on as to whether individuals atu a legal entity.

2. Legality Project

Legality of the project include:

- The validity of land ownership in the form of documentation in the form of SK Camat land, ownership title or lease rights. It should be noted also that the status of the land is private property or an heir. to provide the perfect confidence of the ownership of this land should consult with officials making land deed (Deed PPAT).

- IMB. Building Permit (IMB) is absolutely necessary. Without IMB housing development project will fail. Projects that do not have a building permit will be stopped by the officer and the building which had stood to torn down.

3. Teamwork

The success of a uasaha lies in a strong teamwork and solid. Leadership, marketing and project workers must support each other for the purpose of timely project completion.

4. Building Materials

Building materials should be available not less important. Postponement of building materials will lead to project delays, resulting in time schedule deviated from the specified time. For the availability of building materials can be met, try working with several suppliers of building materials. Ask for their willingness to be suppliers to the pattern of payment software. If possible, try to be pamasok so tender prices for building materials procurement more competitive and cheaper.

5. Time Schedule

Processing time is noteworthy. Timeliness can save expenses. Projects in progress beyond the appointed time will have an impact on project cost increase, which in the end if not controlled will be able to erode the benefits that have been planned.

6. Marketing

Marketing function is needed for homes to sell in full. A good marketing will give the advantage of beginning to raise a booking fee and downpayment. For home sales can be absorbed by the buyer, should be done in a competitive sales price is quite competitive and lighter. Pencicilan DP can be a good alternative.

7. Funding

Funding is the third daripihak way to raise both individual and from a financial institution. Kelengakapan document business legality, the legality of the project, good cooperation with suppliers, timelines and marketing is done will provide added value to obtain funding from third parties.

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