Business and Finance

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This business opportunity business begins to love the child. You often give your baby toys for your children either, relatives or anyone else’s. It would be nice if we buy toys that are his values + are: educative. So this business idea is to combine toys + educational. Wood is relatively safer, and stronger / durable. Type of game is divided into two types, namely for toddlers (under three years) and educational toys for preschoolers (3-5) years.
Raw Materials and Equipment. In producing our educational toys using pine wood, rubber wood, wood river, Wood MDF. In addition we also use the wire games, wood glue. For the paint we use water base paint. For equipment we are looking for three wood cutting machine, a drilling machine sits. An abrasive machines and two lathes fruit.
For labor / employee we can be assisted four employees for the production. qualified employees is having expertise in cutting wood, putty, screen printing and painting.
Promotion and marketing. Now this entrepreneur toy enough. But most important is the quality of the product must compete. An example for all the toys do not use nails, refinement and use the toys must be considered a safe paint (anti-toxic paint). To be offered early in the campaign to tempat2 anak2 teaching, such as playgroup to kindergarten. By offline promotion (advertising, following the exhibition) and online.

Popularity: 15% [?]

Every person has a way of managing finances. Principle, the regular monthly income as much as possible to meet all your needs and leave money for savings. Then, have your income aside for savings each month?

Actually, that needs to change first is the mindset to be able to manage your finances well. If you have previously focused on how to leave money, then change the mindset in a good way to spend money from the monthly income. Do not leave money, but spend a fun way. Because the money is to spend and pay-for spent

Do not spend money this payday interpreted consumptive behavior that tends to promote the desire (appetite) rather than necessity. How to manage finances is conducted by four stages of priority:

1. Liabilities religious / social, 10 percent of income
In determining priorities, you need to determine spending by looking at risk factors (high, medium, low) and flexibility. Flexible Spending long-term nature that can still be negotiable, while his opponent, namely the need is not flexible or fixed (fix), are short term.

Religious or social obligations, such as zakat (Muslim), tithe (Nazarenes), is in first priority. These expenditures are fixed, 2.5 percent for charity, for example, is not negotiable. So, take out the Zakat funds, accepting a pay-per-month.

2. Installment debt, a maximum of 35 per cent of the income
These expenditures are too high and risky fix. Therefore, you must fulfill this obligation at the beginning of each month receive a payday. Installments as mortgage, car, credit cards, and others need to be paid based on your spending.

Higher interest if these obligations are not met immediately. In addition to psychological factors, for a normal person you will experience a psychological disorder if the wound a lot of debt. Not to mention the legal consequences if the loan at the bank loss.

3. Future needs, at least 10 percent of income
Saving, investing, and buying insurance is a form of future needs that must be allocated from the monthly income. This requirement is important because financial conditions are always dynamic. Especially for employees, where security allows salaries to increase, decrease, or even lose their jobs do not earn an alias (eg layoffs). The nature of this expenditure and high-risk fix.

4. Cost of living, 40-60 percent of income
If the three above obligations have been fulfilled as soon as you receive a monthly salary, use the rest to meet all the needs of the monthly routine, such as food, electricity / water, kids tuition, contributions to environmental / safety, including those related to hobbies such as buying books, watching movies, or other entertainment expenses (that nature desires).

With live, you will not run out of money at the beginning of receiving a paycheck. If you were tempted to buy discount items at the mall, you’ve noticed the rest of your money (after being expelled for the top three priorities) would not be enough anymore to go shopping. Because the main problem experienced by many people with money income is used up so quickly receive a salary.

Priority spending money is to pay a debt, then saving than shopping who wishes can never be limited.

No amount of your income, money left each month if it would still use the old pattern. So, spend your regular income to spend in accordance with four main priorities. Be sure to meet the consumptive nature of taste in the final sequence.

Popularity: 6% [?]

Saving is not an easy matter. Many who complain of difficult to save money, even in small quantities. People are often not used to the discipline to set aside money for savings immediately after getting the refund.

How to get to us easily to save. Here are 10 easy ways to save:

1. Record your habit in a month
You do not need to be able to save a fortune. Actually it is very easy to save money, as long as you’re spending less than income. Before you decide to save on expenditure which is, you have to know how your habits of spending money each month.

2. Set aside money for your personal
Key to success is to set aside money saved earlier, before payment of other things like paying electricity, water and repayments. Determine the long-term goals and regular saving your money in a savings or investment.

3. Determine Date
If you get a monthly salary will not be problematic to determine the date for the setting aside of funds, but for you who receive wage / salary every two weeks, then specify one of two that date to set aside funds that will be saved. If you’re self-employed, specify the date in the middle of the month when you do not pay the bills.

4. Pay Your Debt
Immediately pay off debt is one of the best ways to accelerate your savings. This is because higher interest than savings rates.

5. Keep your discipline
After the debt paid off, then keep the funds set aside each month into savings, even better if available automatic withdrawal to be inserted into the investment.

6. Your self-motivation to achieve great results
Decide what you want (New Sofa, Family Vacation Packages, Home Theatre) and know how much money is needed, then set a realistic way as a regular savings for six months. Put a picture that shows what you dreamed of at your desk, room or wallet so you always remember your goal of saving. So every time there is the temptation SALE discount or at the mall, you are not easily tempted.

7. Open the account that you can not touch
To purchase larger quantities, such as down payment for a house or car, do the saving slowly by exploiting deposits. These accounts generally have higher interest rates than ordinary savings accounts, and long periods of time have been determined. Thus you can not touch it when there is the temptation to shop, but still could be withdrawn when an emergency occurs.

8. Use a piggy bank or jar for your coins
Money in coin form is often considered not important, but if it is collected in accordance with the adage “a little bit long been a hill” At the moment full jar or piggy bank can increase the amount of your savings or can be used to buy supplies such as notebooks for children, small gifts etc. another.

9. Bag bonuses and other surprises
Every time you receive a bonus or gift in the form of cash, immediately enter into a savings account. This money is not part of your regular income, so that should not be used for your daily needs and save them. If you have debt, use these funds to pay off your debt.

10. Familiarise Life Saver
There are many ways to save money without having to suffer. Bring food and drinking water from home, use public transport, stopping smoking, while vacationing in the off-peak (low season), take advantage of discounts in order to obtain the things you “need” with cheaper, and much more.

Popularity: 2% [?]

To control the personal and family resources can be a special challenge. Credit or debt looks the easiest solution to solve financial problems quickly. You can use the debt as an asset, but if not careful can lead to painful consequences.

For some other people, they always try to find a larger income to overcome financial problems. Financial experts said that to overcome the financial problems associated with awareness of where the source of money and its expenditure and willingness to make informed decisions. Therefore, solutions to overcome the financial problems is to make budget

Prepare Budget
One of them is to make a list of income and expenditure list.
• Income
Generally that will go into this list are salary, interest from savings accounts, deposit interest, and so on. Note the only regular income who would you get each month. Avoid entering an uncertain income or non-routine within your budget.
• Expenditure
Compiling a list of expenditures is not as easy as making a list of income. You might try recording every expenditure to see the financial waste incurred. However, you should be able to make a list of monthly expenses if you know your shopping habits. Some important things that must exist in the list of expenses such as basic needs. This includes food, housing, and clothing. Do not forget to include periodic routine expenditures such as spending per three-monthly, as of mid yearly, yearly and other periodic expenses.

• Savings
However, the most important one in the list of expenditures that is savings. At least, you should set aside 5 percent of your income that has been cut to save taxes.

Debt
Certain types of debts can be an asset. For example the long-term debt to purchase assets such as houses continue to increase in value can be useful. If you have a credit card, pay off your credit card bills immediately before the interest arises. Financial experts recommend to pay off credit card debts even if it means you have to sacrifice your savings.

Financial conditions remain safe keeping
You can try the following practical steps:
• Reserve Money
Always provide financial reserves at least as much as six months of income. This reserve can be a savings or other investments easily cashed if needed immediately.
• Big Debt
If you want to owe for investment, then try to carefully calculate the amount of mortgage.
• Family Communication
Another success factor in conducting financial planning is good communication between family members.

Popularity: 3% [?]

Almost all people, especially housewives found it difficult to arrange financing. Moreover, if the source is only fitting to daily necessities. Now for Mom, there are six important things that need to be considered to manage your finances in order to improve the quality of life:

1. Do financial planning.

Make important posts in the envelopes that were given names such as per items, monthly expenditure, contract houses, transport, school fees, as well as home purposes that include electricity, telephone and water. No need to reduce the cost drastically. What’s important to be disciplined and adhere to your established budget? Are like any diet, if the slightest violation of the agreement, the expenditures would remain ‘overweight’.

2. Start saving money early in the payday.

Think of saving as part of routine payments to be made. If not able, do not push yourself saving huge amounts, just 10 percent of salary.

3. Familiarise also puts money into the rest of the per items clay piggy banks that can not be opened at will. If kitty is feeling heavy, move money into the account without an ATM card Bank so can not be withdrawn as they pleased you.

4. When the savings already achieved a certain amount, there is nothing wrong if you invest in shares, unit-linked or managed fund.

5. Save your credit card in the most hidden part in the wallet. Although the existence of this card is often tempting your shopping habits, this card remains useful in emergency situations such as when going to the hospital at the time of night while no ATM machines in the vicinity.

6. Start thinking to set up pension funds that will be useful in the future.

If it seems necessary, there is a financial planner in some bank or other financial institution, so Mom you can consult them as an expert of your financial managemer.

Popularity: 4% [?]