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Archive for December, 2009

Many of us who think that the importance of emergency funds is irrelevant to the people who have a steady income, good employees, vendors or even a student or students who receive regular pocket money every month. On the way home there heavy rain and strong winds that become crowded road conditions, traffic, and large trees uprooted. At that moment, a friend and his car hit a fallen tree.

One vehicle accident, a friend, fell on the way to work, just walk across the street and walk on the sidewalk can cause emergency situations that make us vulnerable. Many circumstances or conditions around us that can lead to emergency situations that make us vulnerable. You may say to me, I had an accident and health insurance. Have you ever counted, enough? Well let’s say accident and health insurance cover enough current events. Read the rest of this entry »

One’s life journey always starts with the birth, childhood, youth, adults, parents, to close my eyes. Sequence or series of such trips is never separated from the various changes in it. In the long journey of life, we are dealing with a variety of important events, including graduation procession, entered the ark marriage, falls in the world of work, and then retire.

Sequence of events were directly related to the process of internalization of new values, the adaptation in it, and financial compensation to be able to enter these levels. In the context of the acquisition of knowledge and education, for example, a child enters kindergarten at the age range 3-4 years, levels of elementary school at the age of 6-7 years, junior high school at the age of 12-13 years, high school at the age of 15-16 years, and Higher Education at the age of 18-19 years. Each transition automatically require financial support are not few in number. Read the rest of this entry »

Sometime when we need a lot cash money and our bank account is empty, we need to apply bank loans. But for some people who have bad credit or  doesn’t have guarantee, they will have difficulty in applying loan or credit. Here are some tips to apply credit or loans in Bank,.

First we must understand first that any bank is open for everyone to become customers. Because the banks are basically too? Sell commodities? the money that has the will to? bought? by the community. Income derived one bank of credit interest so that more banks to channel more credit then the banks are getting results in the form of interest. With credit record is not bad of course. So easy, more and more customers means that the bank sells. Read the rest of this entry »

Whether we realize it or not, our lives a lot to do with planning. Last night before we drove to the office with a private vehicle, your eyes will automatically see the gas gauge needle in the front wheel, to check whether there is enough gasoline for the trip to the office tomorrow morning. When our starters were automatically switched to thinking about the way he would go through, whether there are alternative roads that will go through to shorten the time or do we choose another way to avoid a three-in one instance.

The above example is just one live footage from the episode about the need for planning. Planning we can do is spontaneity, feeling as if we’ve set, or we plan it in writing and detail. We can see an example of strategic planning organization that we met in the office, organization, party or wherever. Read the rest of this entry »

One of the financial tabloid in Indonesia, recently made a credit card debt as a title on the front page. If you read the news that featured in it, it was obvious that an increase in the number of credits that  reach 6-7 percent, which previously less than 5 percent. Not only that, in the review also mentioned that the number of delinquent bills increased, from 7 percent to about  approximately 10 percent.

What the article? Some say because of discharge of Bank Regulation premises associated with a credit card. Minimum payment of bills which had been only 5 percent rose to 10 percent. And there is also a saying that economic conditions decrease spurred by the fuel price hike. Fuel price increases will inevitably lead to an increase in the prices of other goods. Read the rest of this entry »