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Talk about vacation is fun, especially when the whole family participates. Enthusiasm can go on living if done with careful planning. It is important that time is come, not one important thing missing. What should be prepared?

Hold a small research by online. Sign in to mailing list or join a traveling social and exchange ideas with those who are experienced in planning a vacation. Compare vacation packages prices on travel agents with one another.

Decide when you want your family to travel. If the child has been in school, wait until the holidays arrive.

Decide where you will go. If the age of the child is old enough, involve them in the determination of this tourist destination .

What transportation will be used? If using your own car, do not forget to check the overall condition of your car. When using public transport, choose a safe and convenient one. Remember, do not be swayed with cheap price! Security and safety of your family is more important.

If your car is not equipped with a GPS system, do not forget to bring a map. Just in case, you are confused which route to take. Never be ashamed to ask in order to quickly get to the destination! Just because you are embarrassed to ask then you even has lost, and kids were exhausted and would not excited to go on vacation again .

Be prepared to unexpected situations that may occur along the way. Decide what will be done along the way by each member of the family, especially the children. Plan a schedule of activities to be carried out. Encourage children to voice their opinions. Thus the child also learns to argue and compromise.

Calculate and set how many family members will participate so that travel costs can be estimated . Record the details of the cost that you will incur. Make sure the cost includes the cost of the hotel a night, cost per person per meal, transportation, recreation tickets ( such as tickets to the zoo , swimming , and so on ) .

Although ATMs are widespread, still provide cash money to buy gas, food or other unexpected needs. If you will be traveling abroad, before leaving change your money in the currency prevailing at the destination. Do not forget also to find information from reservation services international

To anticipate that travel costs do not exceed your budget, you can look for discounted package alternatives that are usually available during the holiday season arrive. Please choose carefully!

If there is relatives or close relatives who had not been visited at a vacation destination, take advantage! You can save on the cost of staying.

Start looking for the animal care center (if you have pets ) . When you decide to bring a pet, remember that these animals cannot get in a restaurant or hotel. Give the child the sense that a cat or dog is better deposited in animal care. Leave your phone number in the custody officer to keep watch.

Now it's time to pack luggage. Bring clothes as needed, but do not forget to bring extra clothes.

Adjust clothes to the weather conditions at the destination. Clothing and equipment for every person should placed in a separate bag. This will prevents their stuff mixed up and avoid the occurrence of seizure.

Do not let go of your supervision of children. Make sure all family members who participated always together in a group. Remember, evil is always lurking everywhere! Do not let your vacation end up with disaster.

Happy Holiday ...

Usually we are always short of money when the dates of the end of the month comes, while still there are needs to be met. We are faced with indecision whether to sell assets of the business to meet the needs or there is any other solution.

I think the consideration to sell assets to meet consumption needs every month is less appropriate action. Why is that? Because it can destroy and alter future financial strategies that have been initiated. A good alternative in my opinion is -if you do not have the spare cash in savings- the short-term loan. Popular Short-term loan product is payday loan.

Payday loan allows us to be able to earn money quickly, so that needs can be met at the end of the month. With the internet technology, we are able to apply for payday loan online. We do not need to leave home to apply and get money. Simply by opening the computer, we do the application on payday loan provider’s website, then in a few days the money you need will be immediately accepted.

One thing that is certain to deal with payday loan payments and that you do not include bad credit person is that a loan may not exceed the salary you receive every month. Why? Because the payday loan is a short-term loan where you should immediately pay your loan in the next month. Therefore, you should design your financial strategy in the next month so that all your needs are met, including the payment of your loan.

Life insurance has traditionally been associated with the later stages of a person's life. The usual image of a typical life insurance buyer is a person near the retirement age, who wants to save some additional money for their heirs and has accumulated some wealth over their lifetime. However, the reality is a bit different from what you may think. Moreover, there are many reasons to buy life insurance when you're young and it makes more sense to get insured while you don't have much savings or assets. If you find it hard to believe, just consider the following aspects of buying life insurance early:

It's cheaper

First of all, buying life insurance at an early age is much cheaper than when you're old. Insurance companies base their premiums on the person's life expectancy, which revolves around the person's age and overall health condition. It's hard to argue that the life expectancy of a 30-year-old in a good health is much higher than off a 60-year-old with various health problems common at that age. That's why buying life insurance when you're younger is cheaper. In fact, it's cheaper to the point where you will buy it earlier with lower premiums and keep on paying them for 30 years and it will turn out to be cheaper in general than buying it later and paying only for 10 years in a row. Despite the common belief that life insurance is expensive, it can be very affordable if you choose the right policy type and do it while you're young and healthy.

It's more useful

Let's face it, bad things do happen and that's exactly what life insurance is used for. It may be the death of the policyholder due to a tragic event or permanent disability due to a catastrophic illness. As a result, the policyholder's family, friend or relatives are subjected to serious financial turmoil if the person was the main income earner in the household. When this happens at an earlier stage of a person's life it is very likely that there are no extra savings yet and other family member won't be able to cope with such a loss. In contrast, when things like these happen at a later stage, there's usually a savings account in place and other family members usually possess various assets that can cover the financial impact of the policyholder's death or disability. That's why it makes more sense to get life insurance while you're younger while your family and dependents are still relying on you and are very vulnerable to all sorts of financial problems.

It's a good long-term investment

Well, a professional financial advisor may argue with this statement, but it all depends on the goals you set. When buying a whole-life insurance policy it usually includes certain cash accumulation value that increases over years and can be converted to stocks and bonds when necessary. The interest rates are usually not as competitive as for other investment tools, but if you get your policy early enough it can accumulate an enormous value by the time of the payout. As a result you can increase the value of the policy on top of its basic benefits, and use it for financial operations whenever you need it. It's certainly a nice feature for those who want to leave a hefty heritage to their family in case of death.

When a man decides to commit to a woman, then the man should responsible for all account includes financial planning, life plans, and plan to stay.

Financial plan means the men must be sure to able to feed himself, his wife, and his future. Risk of family harmony will be hard if a man who proposes woman has not a work or regular income. Where is the finance to feed his wife? The first step of course must have a job or regular income every month.

Life plan is the mission and vision of the family. A good mission of course is to make himself, his wife and all his children prosper. Necessities of life assured, the education of children is assured, even the old days had already secured. Investments are concrete steps to safeguard the life. Investments can be made in various forms, such as buying shares, property, or precious metals.

Living plan means young couples should have the certainty to have a home for his family. Buying a home is not cheap, but it is not a reason not to buy a house. There are two possibilities for the young couple who bought a house for the first time. The first is to buy a house in cash (this way means they must already have sufficient funds). The second is to buy a house with the following support from home financing programs. With good financial planning, the second way is the best way for a young couple who plans to own a home but does not have sufficient funds. get information here for first time home buyer programs.

Financial planner is paid of U.S. $ 64,750. There is always a demand for financial planners but the highest demand during the recession when many people who has life savings evaporate in the stock market. This job is best because of their income, hiring outlook and work environment.

Financial planners can work practically not only as an employee, but he also is an entrepreneur. Why? Because their income as a financial planner can be increased with their effort. The harder he should find client, the financial revenue could further increase. This is contrast to other job that still relies on a fixed salary every month, even though he works as hard as steel.

A financial planner is a person who has a wealthy financial condition. Because it's funny if he were planning to invest or other financial instrument to other people while he has huge debt. Amazingly, professional financial planner is a professional who can play doubles. The first is financial planner status as an employee, where he is on the payroll by the parent company every month plus bonuses. The second is an independent financial planner, financial planner that is stand-alone. This is a true financial planner. He is an entrepreneur who helps other people to become entrepreneurs. He is not paid every month, but the financial situation is much healthier than the financial planner status of employees.

A financial planner is also jobs that a relatively no high risk, unlike working in offshore oil drilling, military, or journalists in Redzone. High salaries, and less risk! That is why financial planner Is the Best Job in the U.S. in 2013.

Don Bullard is a popular insurance agent who is well known for its great services provided fortheir clients.He served as an insurance agent for more than 37 years in the Wilmington North Carolina area. Presently he leads a successful independent insurance firm and he was a very busy manager in NCfor the large insurance carrier. Now this firm was considered as the largest one in this world. In the year 2008 this agency shifted as an independent agent.His company is providing full services for the people and this includes auto and car insurance, health insurance, life insurance and any other.T present Don works in this company which was located at 4709 oleander, very near to the junction south college.He is very strong in the academic part and he holds many degrees to run the organization as a successful one. He holds certificates of chartered property and casualty underwriter, chartered financial consultant, chartered life underwriter and chartered advisor for senior living. Don also severed in the US army and he served many years for the country. He also continues his services as a helicopter pilot for many years. He achieves the top rank of captain at the age of 22 and he also offered with special awards. He is the best person to serve the people and he is capable to handle all the toughest situations and in all aspects he acted as a coolest one and he solved all the problems smoothly.

Don Bullard is the well experienced person and his life history says many amazing things which happen in his lifetime. He acted in many roles and he offers his best services in all the fields and because of his sincerity he achieved many things in his life. Inconsidering his truthful services for the people he was awarded with many medals and prizes. He is also referred as a service mankind who is very kind to give the best services for the people. He offers insurance for all the people in different ways and even online registration are also considered in these agencies. This is fully because of providing excellent services for the customers who trustthese agencies. If you want any help then you can directly contact don so he will help you to solve your problems. You can log on this website so that you can get insurance policies immediate with the reference of doing. He is so kind hearted person who serves many things in his life.

Become a Millionaire is not as easy as turning the hand, an entrepreneur must have three things in starting a business property, ie knowledge, skill, and passion. These three things when combine will achieve your dreams to become rich and financially free through property. These three things of course need hard work, willing to learn, and be consistent.

Real Estate is a great sector for investment; there are many benefits of investing in real estate. The amount of investment returns may varies depending on the property owned, whether it is land, a single home, a luxury condo, or pre-construction real estate. A profit factor in real estate is more influenced by the location and the availability through all types of public facilities. But at the macro level, the real estate business can be affected by political factors, as described on Jenny's blog.

Rental income is the most favored income by the real estate investor. People who have property build their property for additional profits and rent it out to someone else to enjoy the monthly rental income that make them financially strong for further investment. Apart from the rental profits, the reason people invest in real estate is because real estate prices usually tend to rise each year. That means investors are hoping that in the future, such as their age is not productive anymore, they are still able to enjoy life because having a real estate savings. They hope that in the old days they would get financial freedom by owning real estate.

Self protection insurance is many types, ranging from health insurance, life insurance, accident insurance, even education insurance. The question is whether all forms of this insurance is an investment? Or the insurance is considered as an expense?

As we know, pay for insurance means you spend some money on a regular basis each month. And this spend is usually something that is considered heavy. This is different from the instant spending you do to buy a product. You simply spend money, sometimes even without thinking first. For some people, pay for insurance is something that is reluctant to do.

But if you look closely, actually pay for the insurance has incredible benefits. When you pay for insurance, for example, you pay for health insurance, then your life will automatically guaranteed. If you are sick, you do not need to spend so much money. All is handled by the health insurance provider. Thus your “money stand” will be safe even if there is an emergency health problem to you.

Imagine if you do not have insurance. At some point you have to be hospitalized. Many days you stay in the hospital, and it would cost quite a bit. Where do you have to pay? Of course you would take your money stand that you think as "investment". The money that you save for years discharged only for the cost of your care. And once you're out from the hospital, you do not have anything else. Your money runs out.

But if you insure yourself, I'm sure your money stand will be intact. It is because all of your hospital costs are covered. It's all thanks to the small amount of funds that you pay to the insurance company regularly every month. When you are out of the hospital, you will not be shocked because of money. Your saving money is not interfered.

Because of the above reasons, I consider that insurance is an investment. Investment here does not mean that you will get a lot of money in the future, but you will be healthier financial future because of insurance. You can do anything with your money with no need to fear a lack of money in case of emergencies.

How much is your monthly salary, and how much money you set for savings per month?

That is the fundamental question to calculate modest investment for your future. But I think this calculation is more erroneous and relatively far from the target. Why?

OK, now suppose you could save minimum $ 100 per month for your future. Your imagination, in the next ten years you expect to have cash deposits of $ 100 x 12 months x 10 years = $ 12,000. But is it true that in next 10 years you will get that much money? My experience proves that the next 10 years the amount of money would not be that much. It could be smaller or even maybe you do not have savings. What is the cause?

This is the answer:

With the above facts, I believe that saving money in a bank is not an investment, but merely as a safe place so that your money is not stolen. And the money you deposit in the bank is money-what I call-"MONEY STAND". In other words, money stand is money you have that you can use quickly in case of emergencies. "Money Stand" is not an investment, but rather a means of life support. There is nothing wrong if you save money in a bank, I did too. But if you think that saving money in the bank is an investment, I think it is wrong.

And what about the save deposit? Is not it said to be an investment. Yes of course, if we are talking about save deposits, then it could be said to be an investment, although the interest you get from these deposits is slightly. But deposit is saving in the bank with large amount at once, and this time we are talking about saving money each month that the value is not large. Are there any banks that accept deposits at least $ 100? I guess not. So again I say saving money per month in the bank is a safe way for "MONEY STAND", not an investment. Oh, one more thing, if you have only "Money Stand" on your life, you will not reach what it called financial freedom. You should need a real investment.

Your investment will get maximum results if you can pick the best time to buy and sell your investment assets. However, the method known as market timing, is not an easy thing, because surely you will have difficulty in determining the right time to invest. For example, you feel that the stock price X yesterday was very cheap, because it fell 5%, so you buy it. However, today's stock price X fell further to 10%, so you regret why you did not buy today, because you had invested the money entirely.

To overcome this problem, you should use cost averaging method of investing. Cost averaging is an investing technique routinely and periodically regardless of economic and market conditions. Thus, you would not panic if the prices of domestic goods rise or stock prices sag. By using cost averaging method, you simply invest with a fixed value on a regular basis each month within a certain period so you will earn a lower average of the principal amount of investment.

Why did it happen? because when prices are rising, the amount of your holdings in an investment would be less, while at low prices, then the amount of your holdings will be more so if it is averaged, the purchase price you get will be lower. With the trend of an increased investment in the long run, of course you will be benefited by this method. To better understand this method, please see the illustration below.

For example, you invest with the cost averaging method on X stock for $. 500 on the 3rd of each month for 5 consecutive months. With the prices change every day, it gets the illustration below investment like this (assuming you could buy stock X in units):

From the results of investments do you for 5 months, found an average purchase price of $2.42((2 +2.1 +1.7 +1.8 +2.2 +2.3) / 5) with X amount of share ownership as much as in 1287, so if you sold all your shares in July, you will get the benefit of ($2.3 x 1287 ) - $2500 = $460.1, -.

Compare if you invest your $ 2500 entirely in February, you will get the purchase price of $2 with amount of shareholdings in 1250 only, so if you sold all your shares in July, you'll just get a gain of ($2.3 x 1250) - $2500 = $375.

One thing to remember, cost averaging method does not guarantee the benefits you get will be higher than using other methods. By doing market timing, let's say you invested all your $2500 money in April. You will get the purchase price of $1.7 with number of shares as much as 1470. If you sold all your shares in July, you will get a greater profit, amounting to ($2.3 x 1470) - $. 2500 = $881. However, as previously described, do market timing is not easy, because you may feel that the market timing for entry is February, not April.

Therefore, for long term investment, cost averaging method is highly recommended, especially on markets that fluctuate like the stock market, because it can reduce your investment risk.

Why do you need extra income? One of the key to financial prosperity in the family really is not in how large the amount of your income, but how do you manage such income. Regardless of the amount of income in your family, if you can not manage it well, then welfare will not achieve.

However, should you not need to sadd extra income in your family? Not really. Large income does not guarantee that your family can achieve financial prosperity, but large income can help your family prosper. So once again, great income does not guarantee, but only help. Therefore, it would be better if you could increase your revenue sources.

There are a number of ways to supplement your income in your family:

1. Working as an employee

2. Work by relying on the expertise

3. Running a Side Business

4. Investing

1. Working As An Employees

You can earn extra income by working at a company. You can work as a secretary, bookkeeper employees, administration, or whatever it is. Importantly, you get a paycheck. So at this point if you do not work and only your husband's work (as an employee as well for example), then by now you also work as an employee, then there will be two salary in your family.

Or, if for example at this time you've worked as an employee, maybe you can become an employee also in other places. So you get two salaries. A friend of mine worked at a company from 9 am until 5 pm. While the evening he also worked in a restaurant from 6 pm to 10 pm. He got two salary in a month.

What is the advantages and disadvantages to working as an employee? Clearly, working as an employee is good, because you just come, work, and at the end of the month get a salary. You just need to obey the rules of working hours only.

The drawback, of course, that if you do not work, you will not get a salary. Simple as that. That is why many people who are aged 50-60 years and still working as an employee for fear of not getting a salary if he does not work anymore.

Working By Rely On Your Expertise

If you have any special skills, you can work and earn fees from it. For example, if you can sing, you can sing at parties and get the fee. Well, if you can teach, you can teach and get the honorarium.

Work by yourself must be distinguished by working as an employee. As an employee you get a salary, whereas here you do not get a salary, but get the fee. Examples of those who work by relying on the expertise and get the fees in general are the artists who play the soap opera, or a doctor and an architect who opened his own practice to get paid from the patient or client.

If you notice, in fact almost every person had the expertise or specialized skills that can be sold. The problem is if you dare to make the expertise or skills you have to be sold to the public?

Excess work by relying on expertise is that you will get the income that is consistent with your skills. That is, you will be motivated to further deepen your expertise so that it will get paid more. The drawback is, if you do not work, you will not get paid.

Running a Side Business

Why do not you try to run a side business? You can open a shop or stall. You can open a service bureau that sells all kinds of services. Why do not you try it?

The important thing here, a side business that you run someday will leave their management to subordinates who you trust, so you do not need to continue to engage in it for the rest of your life. Shop for example. You might be able to open a store selling goods of daily needs. After a few months, you could give the management to your subordinates (which you pay of course), so you can be comfortable watching TV at home but can still get the income of the store each month. This is the advantage of running your own business.

Maybe you think that to be successful in the business need substantial capital money. But you may not believe, the success of a business often does not depend on the size of your capital. Please see around you, there are many people who succeed in business with little capital. The most important thing here is the idea.

There are some businesses that require a substantial initial capital, but many businesses that do not require initial capital that is too big. The most important thing here is how you can "outsmart" the amount of money you have now to be sufficient to be able to run a business idea in your head. By running a business, you are automatically better trained to be independent and survive. That's the other advantages of running your own business.

Investing

Do you have excess money? Why not invest it? If you have $1 million, maybe you could make a deposit, and there is additional income from the interest.

You've got stuff you do not use anymore? Furniture for example? Why do not you sell it and invest the money by buying gold, for example. After a two or three years, let's hope that gold prices are rose. Well, the difference in price increases is additional income for you.

For those of you who are single (have no dependents) and live in their own home, why do not you just rent out of your home? Thus, you will get additional income from the rental income the house every month or every year. Or if your house is rather big, why not rent one of these two rooms to be used as boarding-lodging petty? You will be additional income from his boarding money, right?

Willingness Is The Important

Looking for Extra Income is actually not difficult. The important thing is you've got the will. If you do not have the will to want to earn extra income, then any way indicated to you would be hard to receive.

So, all originated from the will. If indeed there is no will, yes, your circumstances remain as they are now. But if you really want, you have 4 options to earn additional income as above.

To earn extra income, there are four ways you can do, that is worked for others, working alone with relying on the expertise, opening a side business, or investing. Of the four, open a side business is usually a pretty good way to earn extra incomes. By opening a side business, first of all you may need to be fully involved in it. But over time, if it's big business, you can hand over its management to others, so you can have more time. While revenue runs continuously.

Compare this to when you are working on others or working alone to rely on expertise. Working on someone else obviously you have to follow the working hours required. While the work itself by relying on the expertise, usually you can determine your own working time, but still you will be busy

BIG INCOME

Make no mistake about the side business, if you run it you will earn a big income even greater than when you work and earn a salary.

I've noticed artisans who sell satay near my house. Every day, from 17.00 - 24.00 (7 hours), he could sell about 250 sticks of chicken satay. If one sticks valued USD0.4, then this means he earned USD100 per day. Within a month, he could work about 25 days. This means that revenues reached USD2,500 a month. I once asked how much profit from it? He said about 60 percent. This means the profit is USD1,500 per month. That does not include gains from the sale others like beverages.

Of course you do not have to be a satay seller if you do not want to. You can open a business that may be more excitement to you. The principle here is whatever the business, if you run seriously, the results can be huge.

At first the business name may not always run smoothly. Income is probably not the worst. But that's because of your efforts may not have known the people. It is still new. By the time, as with the more familiar your efforts, then it will surely begin to grow, so the results you get will be greater. Satay handyman earlier for example. I am sure, the first time he brought his wares, people may still be hesitant to try satay. But gradually, people began to order satay, and eventually people is synonymous with satay. Every time he passes in front of my house, I immediately thought of satay. That's proof that require the introduction of any effort.

People must first know your business, whatever business it is. Either the store, either a small restaurant, or business stitches. Perhaps familiarity takes one year, two years, or maybe just a few months, depending on how your campaign. Once known, then the rest depends on the quality of your product. If consumers do not like it just once, so they give up buying your product. Therefore, you also have to maintain the quality of products to fit consumer desires.

MUST NOT LEAVE A JOB

Who says that you should leave your current job if you run your side business? You do not have to leave your regular job. You can run your business while you keep working at your current job.

More over, you will later have a double income is not it? First of all, your business income may still far less than the salary of your regular job. But after a long time, along with the more familiar your business, your efforts will be more advanced, and who knows your business income will increase and can equal your salary?

Then, who knows your business income also may increase further and exceed your salary? I saw many examples of people who started the business while maintaining his job. After a long time when his business more successful, revenue from increased business, and the numbers are far beyond his salary. So he has a choice whether he will retain both its revenue, or leave his job and plunge into a total of 100 percent of its business with the expectation that the income from his business could be bigger.

For those of you who become housewives and only the husband works, may be even better. You started the business you are, while your husband is still getting a salary from his job. Each of you are now generating income for the family.

READY FOR FINDING TIME

If you run your business while still working, then you should be prepared to spend some time. For those of you who perform duties as a housewife, you must be prepared to set aside about maybe 4 hours each day to take care of your new venture. For those of you who also worked in the office, maybe you should be ready to run your business at night. It's up to you. What is clear, you must have a commitment to run your business, and do not be surprised if later on you'll be more tired than usual. This is natural, because you are running two jobs at once right?

But what makes you want more tired than usual? What makes you bother to run your business? This is because you want to developyour business and its management so you can give to your subordinates so that you can have more time for your family's while still get income. So, you are investing of time (more busy) now, with the hope that you get more time later. So, no matter how busy right now, why do not you take the time to initiate a business?

NEEDS FAMILIES SUPPORT

Ask for support from your family. If necessary, ask your husband to help you. Involve your husband from the beginning. Thus, your husband can come into play in your efforts. Husband's support was essential. Many home-based businesses that failed due to lack of support for her husband.

You will not succeed in your business when her husband is not supported, but it would be helpful if your husband's help support your efforts? If necessary, do not tell your husband that this is your business. Tell him that this is a family business, not your business. Later if business is big, your husband can get involved in it. Would not it be fun if the husband and wife working together to build a family business?

MUST NOT BE HIGH EDUCATION

Whether you are one of those who have not received high education? Whether you just graduated from junior high? Did you just graduate from senior high school? Or do you simply do not have school and only have experience?

Read this: You do not have received high education to be able to open a business and succeed in your business. We've often heard and saw that there are many people succeed in building his business from scratch, though not having a college education.

What is the recipe so they can succeed? Perseverance and motivation to succeed. More important, though he did not want to learn high school. Learning should not be taken by the school. You can learn from your experience, from books and from others' experiences (both successes and failures). One more, they want to start a small business from the first, long before it became big business. Believe me, you have the same opportunity with me, and with others to be successful, even if you do not have a college education though.

So what are you waiting? Set the determination to open a side business. Right now!

The business world is the world's most exciting discussed in various forums, both national and international. It is because the world of business is the backbone of a country's economic progress. The business world has various fields, trading, industry, agriculture, manufacturing, etc. And they all have different characteristics. But the main problem most frequently faced by each company is about the business capital. Capital is needed for company recently founded or which has been running for years.

An institution engaged in the financial sector plays an important role in meeting the funding requirements for the company. This financial institution provides financing facilities for companies that need funds for working capital and capital investment. The definition of financial institution is "any company engaged in the financial sector, raise funds, distribute funds, or both".

In practice, financial institutions are classified into two major categories, namely bank financial institutions, and non-bank financial institutions.

Bank financial institutions, or the next we call with banks, is the financial institutions that raise funds, distribute, or both. Bank financial institutions consist of:

Central Bank

Is the bank with the main objective to achieve and maintain the stability of currency. To achieve these objectives, the central bank has the duty and authority in setting monetary policy, regulate and maintain the smooth foreign exchange system, and regulate and supervise banks.

Commercial Banks

Commercial banks are banks that are on duty to serve all banking services to the community.

Non-banks financial institutions include:

Capital markets

This is a market that is a meeting place for seekers of funds (the issuer) and the investors (investors). In the capital market is traded securities in the form of stocks and bonds, which are a long-term capital.

Money market

Similarly with capital markets, but the capital is for short-term capital.

Savings and loan institutions

Is an institution that collects funds from people who are members of the institution, then channeled back to the community and its members.

Pawnshop

Pawnshops are financial institutions that provide credit facilities with certain guarantees.

Insurance

This institution is a financial enterprises engaged in insurance business. Every customer subject to the insurance policy must be paid in accordance with the agreement, and the insurance company will bear the loss if the customer affected by the disaster / risk as it has been agreed.

Leasing companies

Is an institution that provides financing venture capital goods for its customers. For example, if a customer wants to buy goods but do not have enough funds, these companies will pay for the goods. Customer repaid to this company circuitry in accordance with the agreed contract.

Risk is anything that can happen to people which do not want to happen. Every human being has the risk of whatever he's doing. In addition, human life itself also contains a lot of risk. There are some risks that can be avoided, and there are some risks that can not be avoided. Examples of these risks can be avoided is the risk of accidents or the risk of theft. While examples of risks that can not be avoided is the risk of death. The effects of risk often leads to substantial losses. Whether the loss of the psychological side, as well as losses from the financial side. If your home got fire, then you will have financial losses experience in the value of your home when the fire occurred. Therefore, it is important for you to anticipate any risks that might happen to you.

Not only insurance

Hearing the word anticipation of risk, your mind may be directly carried over to the term "insurance". In the science of financial planning, the purpose of insurance is to protect you from financial losses that may arise from the occurrence of a risk. For example, you probably can not avoid the risk of injury to yourself, but you can protect yourself from financial losses that may arise from the occurrence of the accident.

Are all risks that can happen to you need to be insured? The answer is not. For example, you often wear shoes that have the possibility for lost stolen. Will you insure your shoes? Most likely not. Why? This is because if you lose your shoes, you may not loss amount to much. Another case when your house caught fire, then the financial losses that may arise can be tremendous. That's why, you need to take fire insurance for your home.

Options to anticipate those risks, referred to Risk Management. For simplicity, I shall call this in anticipation of risk. In this article, I will show you how you can anticipate the risks that could happen to you.

MULTIPLE CHOICE

Financial losses can occur when you experience death, accident, illness, or if your property is lost or damaged. Sometimes, the financial loss can also occur when you run into lawsuits from third parties, such as when you hit someone else to hurt and you are required to replace all the medical bills.

Now, what options are available for you to anticipate the risks? Assuming you are required by your boss (or anyone) to bring a package by using the vehicle, from city A to city B. However, the busy street keep you threatened with the risk of accidents. Therefore, there are a number of options for you to anticipate these risks:

Well, now we try to practice the theory of risk aversion. We suppose you want to buy a house, but like the other houses in general, you would buy a house that has a risk of fire. To anticipate, then the options available to you are:
1. Renting it, do not buy (avoiding risk).
2. Buying a home, and face only the risk, where hoping that risk of fire will not have to happen (at risk).
3. Provide a fire extinguisher in your home (reducing risk).
4. Give up some losses on the other hand, if your house caught fire (for risk).
5. Submit all of the losses on the other hand, if your house caught fire (risk transfer).
The fourth and fifth choice above is what we called with insurance. That is, the insurance can be a party you claim loss if you run a risk.

TAKING DECISIONS

Once you know what choices are available for you to anticipate risk, then your next step is to write the risks of what might happen to you, and what options you will use to anticipate them. Below are the steps:

1. Know your risk

2. Evaluation of the consequences if the risk occurs.

3. Take a decision on what option would you use to anticipate these risks

For example, risks that may happen to you is death, accident, illness, accident of the vehicle, the car accident, layoffs, and can not work. Therefore, the steps are:

1. Know your risk: Death.

2. Result evaluation: The cost of family life that you leave behind will not be repaid.

3. Take the decision:

a. Risk Avoidance: In this case it is impossible to avoid the risk of death.

b. Facing Risk: It might, with the consequence that the cost of family life will not be paid

c. Reducing the Risk: The risk of death can not be reduced

d. For risk: Submit some of the financing of your family live on the other hand, if you die

e. Transfer of risk: Submit the entire financing of your family live on the other hand when you die.

It's up to you, the decision which would be taken.

Once you make a decision for a risk, then repeat these steps for the next risk (such as accidents). And so on. So now you already have a program for your family's risk aversion.

I was driving the car with my wife on the highway when the car turned the radio on the credit card commercial. The song is a re-composition of an old song and cool enough to listen. There is mentioned, if you frequently use a card, you could have chosen his own gift.

Interestingly, a few days later, I received a letter from a mother. She says she has eight credit cards that are all active! The number of bills were all already almost reached the limit. Well, she almost always run out to pay their credit card every month.

Interesting is not it? On the one hand, there are banks that absorbed advertise and encourage people to actively use credit cards, but on the other hand there are people (and I'm sure not just one person) stuck with a collection issue credit cards.

So, who's wrong here? Bank issuing a card or the card user? This article will discuss the issues of what can be done by the credit card holder if not careful.

First of all, we must realize that credit cards were simply a means of payment. That is, the card functions is the same as the cash you use to pay a transaction. The difference is, the card is a "temporary replacement" of cash. If you buy goods worth USD75 and pay by credit card, the bank issuing card will charge USD75 at the end of the month. Thus, the payment is not made at the beginning when the goods purchased, but when the bill comes later.

Why have this hold a credit card? The main advantage is only one: You do not need to carry lots of cash every time you make purchases of goods and services. Imagine if you have to carry around cash USD500 to USD1,000 in your wallet, while you have to frequently travel by city bus.

Back to the bill earlier. What if you do not pay off at once? There is charges you should pay. It is about 2 to 3.5 percent of the amount of the unpaid bills.

If you do not want to pay off your bills, credit cards usually provide facilities in the form of a minimum payment provisions. The amount varies, approximately 50-10 percent of the amount of your bill that month.

Problems usually begin to appear when you start to get used to are reluctant to settle the bill in full. You only pay a minimum bill each month. While the frequency and value of credit card usage is not reduced but actually increased.

Example, the total usage of credit cards in June was USD1 million. When the bill came, only paid USD150,000. In July, the total usage is USD1.5 million. When the bill arrived, the payoff of only USD250,000. In August, total usage is USD2 million. When the bill arrived, the payoff of only USD350,000. So it went.

Well, because every amount not repaid will be charged interest of about 2 - 3.5 percent per month, then at a certain moment, the number of bills will be very high so that you can no longer afford to pay it off at once. When the number of credit cards you have are many, then the more difficult you to off the hook of bills.

So who is wrong? Is the credit card issuing bank? No, The user is. The problem often lies in the user's who own card. Many people consider credit card as a means of putting additional money. So, in their minds, have a credit card with a limit of USD 4,000, for example, is like an additional income of USD4,000.

Is that correct? No. The card is just a tool to lieu cash. Each time you use the card, meaning there is less money to pay the price of goods or services you buy.

Indeed, there are some credit card that adds value to the card, such as various insurance, electrical goods, up to a free holiday abroad. Good, but still you should be aware, a credit card function just one: a temporary substitute for cash.

For those of you who currently stuck with a credit card problem, do not blame your card issuing bank. They were not anything wrong. Do not blame yourself too, because let's just say yesterday that you did not know much about the strategy of using a credit card. What should you do is one: slowly pay off your bills. Contact your card issuing bank because they can provide solutions that best efforts for your redemption.

Mostly, the problem of credit card use often arise because of lack of proper systems of financial management in the family.

In mid 2007, we have learned with the crisis or breakdown of the subprime mortgage housing loans in the United States that triggered collapse of stock markets around the world, but in the midst of the panic of some market participants and large-scale withdrawal, instead of mutual fund investors.

Exploit the situation to increase its investment or new purchases. That means investing in mutual funds could be one solution investment and mutual fund investors now have more long-term oriented.

and better understand the risks so it is not easy to panic and more rational in making decision.

The advantage to invest in Mutual Funds:

• Investments are managed by the professionals Investment Manager to the administration by custodian and closely monitored.

• The mutual fund investment is not (yet) become the object of taxation.

• Not require substantial funds, so affordable by all people.

• High liquidity. Unit stocks can be bought or sold back every day through investment manager.

• Diversification of investments referred to loss on an asset, can still covered by other assets to avoid the maximum loss.

• Transparent in providing information to investors.

In the investment world, many types or forms of investment, if you choose investing in shares, you need rethinking the level of risk contained according to the level of risk you can bear, do not invest in shares that resulted in giving a sense of worry, insomnia and stress. In addition, one thing to the risks that must be faced, namely: the risk if a shares suspended or dismissed by the authority of the stock exchange, thus investors can not sell their shares. Meanwhile, if you choose investing directly in money market instruments, usually require large funds, can not be liquidated at any time, there is a deposition of funds during the period certain time, and become the object of tax investment returns.

In conclusion, the best way to invest in mutual funds are making long-term plans, disciplined, clear mind when it is appropriate or inappropriate for go, and do not panic and fall with the market euphoria.

People usually consider debt consolidation once they experience debt issues. Debt consolidation is the method of taking out one big mortgage to pay off all of your debts, leaving you with just one fee to think about, which is usually a smaller quantity than all of your debts.

Remember that whenever you are in debt and you cannot afford to pay back, whether you have borrowed the money or goods you have purchased on credit, it is not the wisest thing to be thinking about borrowing even more money.

There are circumstances in which a debt consolidation loan may improve your situation, but they are significantly less typical than most people suppose. The danger is that individuals are attracted from the simplicity of the single payment, and the lower monthly fee. It is essential to look beyond that to the total amount you will have to pay back again, compared for your current debts. The reason the monthly payment is much less is generally since the new loan is distribute over a much lengthier time. When you add up how much you are paying back in total over the lengthier period, you will often find that the consolidation loan is actually costing you much more than your old debts.

The circumstances in which a debt consolidation mortgage might be a useful thing to complete are in case your outdated debts are at an especially high price of curiosity and the rates of interest around the new loan will be a lot reduced. In the event you do consider out a new consolidation mortgage, do not be tempted to go over all your debts with it. You need to checklist all your debts so as of the rate of interest you're paying on them, and only use the mortgage to cover the ones which are in a greater price than you'll be having to pay for the consolidation mortgage.

Equally, as there are specific circumstances whenever a consolidation loan may be useful there is also circumstances when alarm bells ought to ring and you should avoid them. The occasions when you should definitely avoid using out a debt consolidation loan are when you have taken one out previously and it has not solved your issues, or in the event you strategy to make use of it to spend off credit score card debts so that you can carry on utilizing the cards once more. In these conditions, the debt consolidation mortgage is nearly certain to simply include for your problems.

The sole truly efficient way to deal with financial debt problems is to negotiate together with your creditors to concur repayment terms which you can afford. Assist and advice with this is accessible, although not from businesses having a curiosity in selling you a consolidation mortgage or any other commercial financial debt solution.

Financial problems are common in young families, especially in the first years of family life. Not to mention the little one soon comes in the middle of you and your partner. Is it true that the problem lies with the large-small family income?

Often the problem is not lack of income, but the wrong habit in managing money. Apparently, in fact, a father who earn thousands of dollars could be in shock when he found the money to live is $500,00 before the end of the month.

This is some simple keys to managing family financial:

1. Understand your family's financial portfolio. Do not be blind about the saving amount, the electricity bills, telephone, car service, shopping, doctor's and other expenses. You have to know how much credit card debt, bank loan or mortgage and car.

2. Develop a financial plan or budget. Realistic financial plan helps you be objective about excessive spending. No need too ideal, so forget your own needs. No harm in entering need to go to a salon, spa or clubbing. Importantly, the budget should be realistic and you also must comply with the budget.

3. Think more thorough understanding between the "need" and "want". Quite often we spend money for something that is not too important, or just driven by desire, not necessity. Make a list of tables consisting of columns for shopping items, needs and desires. After filling the column shopping item, fill the "needs" and "wants" with a check mark (V). From here consider a more mature, things you need to buy / fill or not.

4. Avoid debt. The temptation to consumptive live is greater. But that does not mean you easily purchase various items on credit. Grow a healthy financial habits starting from simple, as no consumer debt.

5. Minimizing consumer spending. Meet old friends to exchange ideas in a cafe sometimes necessary, but it does not mean you have to do it on every Friday afternoon. You can use these expenses for saving or meet other needs.

6. Set financial goals. Arrange the financial targets you want to achieve on a regular basis, with your partner. Set specific, realistic, measurable and within a certain time. This goal helps you focus more on designing your financial. For example, aspires to have the funds preschool education of international standard and so on.

7. Save, save, save. Change habits and thought patterns. Immediately after receiving a salary, set aside for savings in the amount you had planned on purpose or goal of your family financial. Instead, you have a separate account for savings and daily necessities.

8. Invest! Sure you will not be satisfied with just waiting for the savings soar. And your goals for the family is high. This is the time to also think about investing. Now, there are many investment form. Fear of risk investment?! No need to worry, you just need to learn to the experts. Consult your investment plan with the financial expert.

I have many friends who work as sailor, both cargo ships, tankers, passenger ships, cruise ships, through the fishing vessel. When I met them, they always talk about life on the ship and interaction while on the ground. Their stories are very interesting, and certainly very remarkable because life at sea is different with the people on the ground, as well as on their financial management habits.

From the experience of my sailor friends, the salary they receive is high, can reach nearly U.S. $ 2,000 per month, there may even be more for the ship's officer or ship's captain. That salary is actually sufficient even more for himself and his family living expenses. But some of them have complained that the salaries they receive is always up when they fell to the ground, and they do not have anything when the work contract is completed. Why is that?

The sailors average to work at least a minimum of one week on board, some are nearly three months at sea. Even possible for fishing vessels could be more than that. As long as they are in the middle of the ocean, they are in a limited environment. Boring food menus, entertainment as it is, until the job requires very high level vigilance and hard work. Therefore, when they went ashore, they will pour the pent-up desire for being at sea. When it comes down to the ground, with a lot of money in their pockets, they used to shop at will, eat whatever they want, to look for entertainment that they do not feel as long at sea. Until their money runs out unexpectedly without a trace, no savings, and there is no item for the family.

Suppose you are a sailor has a salary of U.S. $ 300 per month. If your sailing time is 4 months, then you'll take the money of U.S. $ 1.200 when you went ashore four months later. And I believe, the money that much can be directly discharged within a week on land as a result of saturation in the middle of the sea. A very sad end! Work hard but no results.

Therefore, the financial planning of a sailor is very important to do so there are no regrets later on. And this financial planning is very simple but must be consistent in its implementation.

If you are a sailor who has a salary of U.S. $ 300 per month, 1 year labor contract, and 4 months at sea, then the following is a simple way to manage your finances.

1. Set aside U.S. $ 100 per month in the company where you work. Ask the company to automatically save you money of U.S. $ 100 per month.

2. Ask your employer to send U.S. $ 100 from your paycheck to your family at home, whether it be parents, siblings, or your wife.

3. Ask the company to send U.S. $ 100 the rest of your salary into your personal account.

With this arrangement, then when you went ashore four months later, you just pocketed U.S. $ 400 in your pocket. That is money that you can use to entertain yourself. It's up to you whether want to spend all or not, but you certainly will not be regret when your contract runs out. A year later if you are not going to extend the contract, then at least you have your family at home make a living of U.S. $ 1,200 for one year, and you still have savings in your company as much as U.S. $ 1,200.

If you still want to continue working at sea, then these savings can be used for capital investments such as buying a stocks/shares, bond, or deposited in the bank. If you do not want to continue working at sea, then the savings can use for initial capital to open a small business, such as opening a retail store. What you have to do next is diligent in its management, while learning the ways of retail stores business through the internet.