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"Property Business "- Hearing those two words usually can imagine how the great profit to be gained from such business. However, parallel to it , almost everyone also thinks that the business can only be executed by people in high class due to business property must require a very high capital. Yeah, many people do not take part in this business, citing lack of sufficient capital. Is it really the case? What exactly is needed to start building a property business?

Advantages in Starting and Building a Property Business

Before finding out more on how to start and run a property business, of course we need to know what are the advantages of doing such business. The following reasons should encourage us to start a property business as soon as possible.

> Considering the constantly increasing number of people, property has become a staple. Therefore, the price of a property will certainly not decrease even lose money. Conversely, it can be increased continuously.

> Capital is not a barrier. You can use the bank loan to resolve the issue.

> The property that is used as a commercial place will not be lost or stolen. So, do not bother to closely guard that spend a lot of energy and time.

> Profits are also very large in comparison to the capital or the cost you incur.

> Business property just needs the right strategy .

Knowing those benefits, you would wonder how the right way to run the business, is not it? Here are tips on building a property business that can be done very easily.

- First , of course you need is a land property. You do not need to trouble because you do not have the capital or land. Why? Because you can find someone who wants to sell his land, then take him to work as a partner with some of the reasons for the benefit of the landowner.

- Second, prepare a budget and its design properties. To make it easier, ask someone who is an expert in budgeting to work together and discuss benefit from the agreement.

- Third is the issue of capital. The following strategies are often successfully applied and generate huge profits. Ask advance payment from people who want to buy. So that you can trust, of course you should be able to explain fully and systematically both the transaction and the payment of the property. Alternatively, you can consult with banks that provide loans for housing. These advance payment is exactly what used to build the property.

- Once the transaction has been completed, split profits each according to previous agreement. Then, do not forget to provide alms so that your business can run smoothly.

From the above, we can certainly see how easy it is to run a property business despite not having a large capital or expertise in the field of home design and building. Yes, only with the right strategy, we can generate huge profits. Indeed, in running any businesses, which is not less important is the willingness, hard work, and pray. So start and build highly prospective property businesses as soon as possible and also enjoy the results in just a short time!Property business is one of the excellent business.

Warren Buffett is a successful entrepreneur who now lives in the United States, he has brilliant ideas in the world of investment to make him a billionaire.

Here are some words that inspire from the Warren Buffett from the book I read :

“We do not and will not have an opinion about where the stock market, interest rate or business activity within one year from now.” (Warren Buffett)

“We believe that investors and institutional who are actively buying and selling stocks equal with calling people who repeatedly engage in a romantic one-night stands.”(Warren Buffett)

“As far as I am concerned, the stock market does not exist . Exchange only there as a reference to see if there are people who offer to do something stupid.” ( Warren Buffett )

“I would be foolish beggar on the streets if the stock market is efficient.” ( Warren Buffett )

“Investors today cannot make a profit from yesterday's growth.” (Warren Buffett )

“Just buy something that can fully satisfy you if the stock closes over the next ten years.” (Warren Buffett)

“If required in this game is just an understanding of the past history, the richest is the librarian.” (Warren Buffett)

“No matter how big the talent and effort expended, some things still take time: you cannot produce milk baby in one month by making nine women pregnant.” (Warren Buffett)

For many people on Wall Street, the company and the stock is only seen as raw material for trade.” (Warren Buffett)

“Uncertainty is usually a friend of buyers with long-term value.” ( Warren Buffett )

“Outstanding investment opportunities commonly arise when companies are very well surrounded by extraordinary circumstances which caused its stock price incorrectly assessed.” ( Warren Buffett )

“Look at the stock market fluctuations as your friend rather than an enemy, taking advantage of ignorance, rather than participate in it.” ( Warren Buffett )

“What we learn from history is people do not learn from history.” ( Warren Buffett )

“The stock market is a game without a strike. You do not have to hit the ball, you can wait for the pitch you want to smack. The problem is, if you are a fund manager, your fans always shout "Come beat me up , fool !" ( Warren Buffett )

“I never tried to make money from the stock market. I buy on the assumption that they could close the market the next day and did not open again until the next five years.” ( Warren Buffett )

“A Needle is waiting every bubble , and when the two met, a new wave of investors getting some lessons that are very ancient.” ( Warren Buffett )

“The best side to be followed in the event of war is the demand side that lost.” ( Warren Buffett )

“At first, the price is driven by fundamental factors, and at a certain point, speculation determine the price. It's the same with the old story: what the wise men in the beginning, topped off by stupid people (Warren Buffett )

“The key is basically just the stock market determines the price, so the market is there to serve you, not to rule you.” ( Warren Buffett )

“What goes up does not always have to go down.” ( Warren Buffett )

“For some reason, people take action based on the instructions of the price, rather than the value, price is what you pay. Value is what you get.” ( Warren Buffett )

“There is no adverse economic investor but investors themselves.” ( Warren Buffett )

“I am very suspicious of someone who is very good in the business. This also applies to a good athlete or a good entertainer, who began to think that they should tell the whole world how to behave on everything. If it feels really crazy because we make a lot of money, we will be better in providing advice to any issues and topics.” ( Warren Buffett )

“In the business world, a mirror to look into the rear mirror is always clearer than the front.” ( Warren Buffett )

“Each form of business leaders, no matter how stupid, will quickly be supported by studies prepared by his subordinates.” ( Warren Buffett )

“If we cannot find something within our circle of competence, we will not expand the circl. We will wait.” ( Warren Buffett )

“Our method is very simple. We just tried to buy a business with good economic up amazingly well, which is run by people who are honest and competent, and buy it with a reasonable price . That's what I am trying to do.” ( Warren Buffett )

Real estate is a highly competitive business. To get around the competition and attract the interest of potential buyers, developers are vying to provide attractive promotions to its buyers. One of them as is done by one of the developer of real estate in Montana were issued promotion program titled Montana first time home buyer grants.

The program is given to first-time buyers who purchase real estate for their homes and raise their children. The program is targeting the younger consumers or the newly married who want to buy houses in Montana. However, these grants are not limited to the younger group only, consumers who already have children even adults can get these grants, such as for those who intend to move from somewhere else and are interested in living in Montana. The value of grants awarded is quite good, can be used to purchase home appliances.

This is a very creative promotion method, given for young couple which relatively has limited financial. in addition to selling the property, developers also directly help consumer spending. In addition to grants awarded, of course, they offering a very strategic location as a place to settle down. I think the young couple can make this program as an alternative in order to dealing with the financial matter in buying property.

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!

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.

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.

Who did not want to have any savings? I also want to. The problem is, my money always runs out

“Not to mention the children asked for new shoes”

“I also need to buy this and that.”

“Ah, I am not talented in manage a money...”

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

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

Someone who has income of $1,000 per month, for example, after a year of savings account balances only $200 in his account. Once asked why the amount of his account balance only $200 after working for a year, he said his income often wears out in a month. So, he could not save.

Actually, if he would save $100 per month, then at the end of the year he will already have an account balance amount of $1,200, plus interest.

Is this situation familiar enough in your ear? Or, do you also experience it?

IMPROVE AND PRESSING

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

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

When you do that, then you are no more excuses for you not to save. Well, maybe you could be reduced your money spent. But that's the consequence: You need to have some funds in reserve for your future.

For example, once your income is $1,000per month. At first, you usually spend $100 until the end. Now, with your deposit $100 per month in advance, then you only stayed a total expenditure of $900 per month.

If you feel the amount was not enough, then you must do one of the three options below:

1. Increase your income. In the example above, the income of $1,000increased to $ 1,100. With your fixed deposit $100 , then you are no longer spending $900, but returned to $1,000.

2. Pressing your expenses. In the example above, you are willing to push your spending that was $1,000 to $900.

3. Do both, ie, increase revenue while lowering the cost of living. In the example above, you can increase your revenue to $ 1,100, and push your spending to $900. Thus, you actually have an even greater difference for saving!

It's up to you, which of the three ways did you want to select. Most importantly, you must accustom yourself to save money. In this case, if you're having trouble saving for the reason always run out, then you can save money in advance so you get an income.

Always remember : You need a reserve fund for unexpected times in the future.

WHERE TO SAVING?

There are many options that you can use as a place for saving. One of the most popular place is the bank. Excess funds in saving in bank is that savings can be taken whenever you want. The downside is, the savings in the bank generally gives only a small interest.

In addition, you may also save money by buying gold. If you are saving for, say, $200 per month, you might be able to buy gold whose numbers correspond to the value of money you save. At this time, a lot of gold coins available that can be bought

.

As an alternative, you can also save money in the form of investments such as Mutual Funds. Mutual Funds are a form of investment where the money will be managed by a team of Investment Managers to invest in a wide range of investment products. To be able to invest in Mutual Funds, can be started with minimum funding requirements.

Obviously, there are some options if you want to save. Why not get started?

You certainly know that every human being has a needs. Needs of adults will always increase over time. From the need to get married, buy homes, private vehicles, having and raising children, and enjoying a happy retirement.

However, to be able to meet all those needs, of course, you need a fund. For example, maybe you know if the current price of a house with an area of ​​96 m2 is expensive. Not to mention the thought of children's school fees are becoming increasingly suffocating your bag. Currently, the fund of a private junior high schools has reached every year, imagine that much money just for education for three years.

This situation certainly raises questions for you, how can I meet all these needs? The answer is to do financial planning as early as possible, and later for fun.

And this is 5 Steps in your financial planning.

1. Check your financial health

Not only your physical health is important, but the health of your financial condition could not be ignored. Actually, the latter case this should be your first priority before maintaining a healthy body, because maintaining a healthy body also requires funding.

The first step is pretty easy. Record with either all of your expenses in one month. You'll be amazed when doing this, because you will see where your money during this drift. In addition, count the entire wealth and debts you have. Pay off all your debts - if necessary by selling your property - before you plan to have something new. If you no longer have the debt, then you have a healthy financial condition.

Do not be afraid if you do not have saving after you pay all debts, because even if you do not have a saving yet, you will do something much better for your own.

2. Dream on!

The second step is to plan your needs. This step is done with dreaming. Yes, you are not wrong, dreaming! Ask in your heart, whatever you want in life. The house? Jaguar cars? Five-star apartment? Having a number of shoes, clothes, and handbags branded? or even a honeymoon to Paris?

Well, if it is, wake up from your dream to see the reality if all your dreams are in accordance with the conditions of wealth and income? If not, go back to dream. However, this time with a more realistic dream. Do not forget to prioritize things what you want to get it first.

One thing to remember, besides the things that please you, put your priority needs in an emergency fund. Emergency fund is a fund for the purposes that you did not expect, such as the cost of inpatient care in hospitals. Surely this is not expected to occur, but there is no harm in just in case.

3. Categorize your financial needs

This step is easy. Simply classify your needs based on the time period. Period is divided into three, namely short-term needs between 1-3 years, medium term needs between 3-5 years, and long term needs for more than 5 years.

4. Identify the type of investment that fits your needs

This step is quite difficult to do, because for some of you, this is a new thing. You can learn it with the help of relatives or friends who have planned their finances very well, hire a financial planner, consultant, or you can learn it on website.

Once you understand the benefits of each type of investment, choose one that best suits with your financial needs.

5. Discipline

All the steps that you apply will be in vain if you do not do it with discipline and high commitment. These two important things that will make everything run smoothly. You want to honeymoon in Paris and enjoy your jaguar, is not it? Be patient! The more you discipline yourself and maintain the commitment, then it is the faster your dreams into reality.

So, begin your financial plan as soon as possible. The sooner you make your financial planning and start to invest, the less funding is needed. This course will benefit you because the more needs you can plan. For example, we give an illustration of financial planning for your child's education fund below.

Every day there are many people selling or buying shares. However, these transactions can not be in any place. Regulations require that the sale and purchase of shares must be done in a special place called a stock exchange. Stock exchange more or less are synonym with the market, which is a meeting place for sellers and buyers.

Why is called the stock exchange? This is because in this market we are not only able to sell or buy shares, but also other securities . The people who trade in these shares are called investors (investors). Does investor who wants to buy or sell a share should come directly to the Stock Exchange to trade? No. In practice, investors simply use the services of intermediaries called brokers.

The advantage the services of brokers is where ever you are, you can still call and give orders the brokerage company to sell or buy, so your broker who make buying and selling it to you. As an investor, you does not need to know from where you bought the shares. Similarly to where investor you sell your shares. This is because investors have to use the services of a broker, and this broker are meet each other to make transaction.

USING BROKERS SERVICES

What is the minimum number of transactions in buying shares? Some brokerage firms require you to buy shares at a certain minimum amount. If you wish to purchase below the minimum amount, then the broker will not execute your order transaction.

Therefore, to facilitate a purchase transaction with a minimal amount, the stock exchange impose certain minimum amount, called lots. One lot equal to 500 shares. Especially for banking stocks, one lot equals 100 shares. So you can count yourself, when you seek shares worth $2 for example, then this means you must trade a minimum of $1,000. If the shares are banking shares , the minimum transaction $2,000.

Again, not all brokerage firms require you to purchase a minimum amount of one lot. There are brokerage firms who make exception, which can buy below that amount. This is known by the term odd lot.

You can buy shares by coming to a brokerage firm. What should you do? Usually you should make an account at a brokerage firm, and put a certain amount of money worth. That money will be used by your broker to trade shares.

Classified RISKS LEVEL

Please note that by buying shares, this means you buy ownership of a company. The difference with having own company is that you are buying ownership in business that is already running. You do not need to bother setting up a new venture in the form of corporation, because you just buy a corporation who has been running and operating.

Perhaps you are wondering, from where I know a company that has been running gain profit or loss? The answer: from the Financial Statements that are published regularly by the company. And those statements should have been checked by an independent licensed accountant.

Investing in shares are also at risk. Shares you buy could be declined. This is what makes everyone does not want to invest into the shares. We often hear there are people who lost millions of dollars, but there are also people who have profit of millions of dollars as well. And it makes not everyone is willing to invest into the shares.

So actually, the risk in buying shares is tantamount to risk if you set up a new company, which is that you have the possibility to gain profit, as big as the possibility of losing money.

Even so, do not be afraid, because the shares are usually graded based on risk levels. Starting from shares that the risk is small but the benefits are also small, until the shares that the risk probably big.

Ask the research / analyst at the brokerage firm which shares belonging to the classification. Remember, not all firms have the research broker / analyst, so make sure your brokerage firm has it.

Once again: the risk of shares investing really just the same as if you set up a new company, which is that you have the possibility to gain profit, as big as the possibility of losing money. You did not know it then you would not love it: if you do not know what risks you are facing, then you definitely would not dare to invest in shares.

Have you ever thought to have a business? Just say you want to have a business in the form of a store. What can you do to be able to have a store?

If you have capital, then you can buy or rent a building and buy products that will be sold. If your store is new, of course there are certain risks, such as your store is unknown by the community. This means that your store has not much visited by customers.

Then, as an alternative, why not try to buy another store that had already been established? You can pick and choose which stores you want to buy, and of course you will certainly choose the store that seems already well known and best-selling, is not it?

If so, then you should pay money to the owner of the old store at worth price to buy building (if the building was owned his own shop) and products therein. In other words, you have purchased ownership of the store where you buy is its capital.

SMALL FRACTIONS

Keep in mind, in the business world not only store that can provide benefits. Other businesses that do not form in stores also can provide benefits. The business usually is in the form of business entity, or the popularity of the term: the company. Same with the stores, company ownership can also be purchased. So you can choose which company is about always profitable in the past years, and you can buy ownership (capital) of the company.

Different from the store, in general, the capital of a company much larger than the capital of a store. For example, the capital of the store that you want to buy may be USD3,000 million, but the capital of the company that you want to buy can be reached USD 300,000.

The problem is, not everyone has $300,000 in cash. Maybe people have only $3,000, so this means he is just getting possession of one percent of all the holdings of the company. So how can he be able to buy ownership with only one percent capital?

By law, arranged in a way: the company's ownership is divided into small pieces called shares. For example, ownership of the company valued at USD 300,000 was divided into shares in which a given value of say $1. Thus, if you only have $3,000, then you can only buy 3000 shares.

ADVANTAGES OF BUYING SHARES

What benefits will you get by buying shares or ownership of a company?

The first, if the company had a profit, then usually you get a distribution of profits, called dividends. Take for example, if dividends you receive is $1.00 per share, then by 3000 shares you have, the total dividends you get is $3,000. Of course the amount of dividend benchmark varies from one company to another company. But more or less is the same principle. The more shares you have, the greater dividend you can get if that company's profits.

The second advantage, it could be the value of your stock rises. Again, we suppose you buy shares at $1.00. Well, if then more and more who want to buy shares of the company, then it might be the share price has risen so tell $1.4 per share. Thus, if you sell it, this means you get a gain of 40 percent. This profit is called capital gains. Where do you sell that shares? Not to companies that issue shares, but to others who do want to have these shares.

Of course, investing in shares are also at riskinvesting in shares are also at risk. Namely, the decline in stock prices that you have. For example, fell from $1.00 to $0.6per share. When you sell, then you will lose $0.4 per share. Losses like these so-called capital loss. Where do you sell? Also to others who really want to own these shares.

If you invest just once, then there comes a time in which the amount of your investment will be doubled. For example, if you invested $ 1,000 in deposits that provide interest rate of 12% per year (on roll over each year), then your money will be doubled within six years.

How to calculate is to use the Law of 72. This means that: 72 : 12% = 6 years.

That's the time period for your investment can be doubled.

Obviously, the higher your investment, the faster your investment also doubled. For example, if your deposit rate was 24% per year (on roll over each year), then your $ 1,000 will be doubled in 3 years (72: 24 = 3). Compare the interest rate if your deposit only 12%.

Where have you been investing? That question may be easy to answer. To be sure, I think the savings in the bank is a familiar place.

Saving in the Bank, not only a place to deposit your funds, it's also a place for investment. So there are two kinds in the usefulness of saving in the bank, first as a place to save money to fund day-to-day needs, and the second is a place for investment. Depends which one you choose.

In short, all of places you can put some funds and can get results from it (either in the form of interest or the difference between buying and selling price), then you are worthy of mention as an investment product. Including savings money in the bank.

Deposits is also an investment product that may often use to breed your money, because the deposits are considered very safe, as long as your bank is not bankrupt and your money is guaranteed.

But, in addition to the savings and deposits that are already popular, do you ever think to invest in collectibles items?

Well, what else was kind of investment?

Collection of goods is the designation for the goods that generally people are often collected. Why do people want to collect them? One reason is because the goods are considered to have special value. Sample one of the most often we see is a postage stamp.

Art Value

Speaking of stamps, I'm sure almost all of you know what a stamp. For those of you who diligently send mail, at least must have been using stamps. If you notice, the stamp consists of a variety of publications. Whether it's published in the 50's, 60's, 70's, until 2000 was also there.

Each publication has its own appearance. However, most of the stamps has a display of drawings or paintings. Thus, seeing the stamp is like we see the painting in small sizes. That's why so many people decide to collect stamps, since the images are in stamp has its own artistic value so that people feel at home for too long to see and enjoy the pictures.

What else other than a postage stamp? Painting ...! painting also has its own artistic value is not it? There are many people who collect paintings, and it all comes from a variety of prices, tfrom hundreds to millions of dollars.

What else? Not necessarily items such as stamps and painting a picture which is the stuff that has artistic value. There are also items that were collected because it has a shape and a special appearance and it does not have a picture. In short, all sorts of stuff that has its own artistic value can be collectible items.

Historic Value

In addition to items that have artistic value in itself, there are also items that were collected because these items have a value that is considered historic. Examples are relics from a famous or historical figure.

Though these items may be simple, can be a pen, books, cabinets, or whatever. However, because the goods had been held by a historical figure, these items are often a bone of contention of the collector and often change hands at prices higher and higher. So once again, not only because of the value of art itself, the act of collecting the goods are often caused because the goods are considered to have historic value.

Have a Very Old Age

In addition, collecting goods often also based because of its age. Many people who collect the goods because the goods have a fairly old age. In fact, the older the age of the goods, they can be more expensive. What are examples of items that were collected because of his age? Some of them are antique urns, antique tables, antique chairs, and others.

However, please note that not all goods that old age has a special value and collected by many people, given that it all depends on the perception of people towards the good.

The following are examples of items that can be collected:

Items of art (paintings, sculpture)

Craft items (pottery, batik)

Accessory items (watches)

Jewelry items (necklaces, bracelets, gold)

History items (relics)

So in principle, almost all goods can be collected. Well, here's a collection of items that can be used as an investment.

What is the most valuable asset? The answer is family. Yes, our wife, our children, and even our self are the most important among other thing. Business, works, or anything would be nothing if our family having a life problem. So, protecting their life with life insurance is a best decision to help their future.

Is life insurance quotes so important so that can help our loves one future? Yes off course. Suppose in next ten or twenty years there is something wrong on us. If we have life insurance, then we would not too much worry about our family, because insurance company will cover their needs.

Ten years ago, life insurance only available offline, but today when the internet comes, life insurance could be found online. There are many insurance companies which provide online application. The internet may reach a global market, so the applicant of online life insurance would be from all over the world. So, be wise to choose one. Find an online life insurance provider which can approve our claim immediately when something goes wrong.

Today, with one single click with our finger, we can found great online life insurance which can protect our most valuable asset.

So what is the difference between an investment and collector? Clearly different.

"Collector" is mention for people who like to collect certain items. The goal is to collect items (possible) for the inner satisfaction, prestige, or whatever it was. A collector bought the goods to be owned forever if it could.

While the "Investor" mentions for people who collect goods only to be sold for profit. So, when collectors buy things to have, while investors are buying goods to be sold back later.

In short, a collector is the purchaser, while the investor is a person who invests.

If you are interested to invest in collectibles, below are tips that may need to know:

1. Invest in things you know and master's intricacies. Thus, you can know for sure about all sorts of matters relating to your collectible items, such as what price, where could sell, where to buy them, and so on.

2. Do not fall in love with your collectibles. When you fall in love with your collectibles, you might be a heavy heart, if you want to sell it back. And if you are an investor, you'll have to sell your collection back to benefit you?