As we know, the relationship is too close, like pairs or related blood are quite complicated. “However, it will be more difficult if the one person, you are connected in two roles simultaneously,” explained Greg McCann, director of the Family Business Center at Stetson University, Florida.

Most family businesses began to emerge after World War II, which means, in the near future, it would take ownership change, from the father or grandfather to the younger generation.

In the transition period, many families and business owners will wrestle with issues such as transfer of power, build leadership, and prepare the next generation to become management. So there is no misunderstanding between you and your family while running a business, check tips from Joanna L. Krotz, Microsoft Small Business Kit author of the following:

1. Clear expectations and keep good company.
Family firms most often get into trouble because the owner can not distinguish between what can be tolerated for the family and what can be understood by the family. “Participation in the family based on the infinite love. If you make a mistake, the family still can not forgive you,” explained Mark Harder, the attorney at Warner Norcross & Judd in Holland, Michigan.

While in business, a person’s involvement should be based on the success, ability, and according to standards. If you do wrong, there will be a price to pay. “To prevent confusion and the failure of the trip, make sure each family member know exactly what capacity. Describe the responsibilities, the job parameters, objectives, and what will be evaluated. Do not assume that your brother can read your mind.

More important again, make sure that when evaluating the performance, everything is based on professional standards, rather than tolerance family. When you’re going to reprimand those employees as well as your brother, give feedback in a professional tone.

2. Make sure names are meaningful positions
There are certain families who hire his brother for the job that is high enough. Managers, directors, and others. Sometimes, these positions are given only by a sense of “good baseball.” In fact, such strategic positions need people who do have the competence. If you choose the origin of man, might make the company lose money because of wrong decisions and eventually spread to everywhere.

3. Compensation and transparent human resources policies
Generally, in a family business, the labor that has no blood relationship will feel as “second class citizens” in the company. No one will ever say it clearly, however, staff who are not family members understand that promotions and higher salaries are destined only for those who have blood relations.

When things like this happen, could-be employees who are not members of the family feel better and not have to try doing it half-hearted job. Try to think of ways how the employees who are not family members can feel appreciated. Some business owners try to avoid misunderstandings with the announcement early on in front, that there kok promotions for those who are not members of the family. Every business owner should be able to create an atmosphere of equality, in order to avoid an unnecessary sense of jealousy.

4. Save work in the office, and family problems at home
It may seem very tempting to mix the issues of personal and work problems. However, it would be wise if you could share where the issue where the issue of personal and professional. When there is a family member who talked about family matters at the office, try to hold back and ask her to hold talks until after office hours. So did the opposite. Do not be goaded, because emotion and appraisal can be very disturbed when the two things are mixed.

5. Help from outside
Career consultants, specialists, and many other professions that can help you deal with problems that might come to disturb your family’s company. You can ask advice for complex issues, such as firing members of the family, build a bridge between family values and business practices, and others. We recommend that an outsider is not a lawyer or accountant.

6. Keep Talking
Communication, as we know, is crucial. Communication should be running smoothly, consistent, and meaningful. This is very important to keep the business running according to its path. “Communication is the key to resolve the issue before it all fall apart,” says Dan Stockdale, leadership coach from Beverly Hills, California. “Family meeting each week will be a good opportunity for everyone who joined in the company talk about things outside of work in an environment that did not threaten.”

Recognizing the risks of investing can be done in many ways. Began to participate in seminars, workshops, discussions with experts, and finding reading material. Eko asserted, the principle candidate needs to understand what investors want to buy, because of this understanding of risk can be managed better.

“People who do not take the risk does not mean risk free,” he asserted again.

According to Eko, general purpose of investing is to set up education funds and pension funds. Along with it, financial planners Ligwina Hananto on the same occasion also exemplifies how investing can help couples planning to funding education for children, both short and long term (18 years for college).

Two ways to invest
Eco explains, there are two alternatives to invest, ie, directly and indirectly.

Direct investment instruments including deposits, bonds, and stocks. If you choose the deposit, meaning that prospective investors to deal directly with your bank chooses to invest. In the meantime, buy the stock as an investment either through brokers, while the bond can be through a bank or broker.

Buying mutual funds is an indirect way of investing. You should consult an expert to buy mutual funds as an investment. According to Eko, a mutual fund investment solutions for prospective investors who have the knowledge, information, and limited funds.

In principle, any investment option, make sure you have a goal to invest. If difficulty setting goals, including determining the appropriate investment period with the needs and abilities, consult a financial planner. Another important key to investing is information. Find as much information before deciding on options.

“Financial planning should be prepared prior to selecting investments. Virtually every couple or family could own financial plan. Even if still laymen, can follow a special class of financial planning and the next can be applied with the couple independently without the need to use the services of financial planners,” said Ligwina.

Investing in science around the range of investment products and financial plan must also be a product of capital determines investment.

Ideally, the ability of self must be proportional to any challenge in front of the eye. But feelings are not sure make us feel unable to conquer the challenge, eventually we lose the opportunity to develop themselves.
“Because actually, the perception that we control our reaction to remove. That’s why the success to transform problems into opportunities and challenges we must bear in self-perception areas. This is the real form of personal power, “said Lauren Mackler, a psychologist who also wrote the book Transform Your Life Speaking of Success.

To realize all the power of self, Mackler invites us to burnish the perception of self by doing the following things:

First, make sure that we ourselves do not swallow any negative information concerning the working world. Remember that any information we receive is a notice that enrich our knowledge, not to frighten.

After that, make a list of whatever difficulties we have experienced during their office routines. Notice how those difficulties could be encountered. For example, when we heard the news that the unemployment rate is higher, we are immediately concerned for fear of losing their jobs. Do not linger too long in scary situations that we create in your own self-perception. We need to do is create a “safety net”.
“And the safety nets that are set aside part of your income as savings. If economic conditions do not getting better, we already have the capital to open his own business, “says Mackler.

Finally, Mackler reminded, sometimes there are situations that happen outside our control. For that you should never hesitate to ask for help from people around so we can get out of trouble. Because sometimes, it took several alternative solutions to conquer an extraordinary situation.
“Essentially, you should never despair and believe in ourselves that we have the ability,” Mackler said enthusiastically.

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.

You can follow the tips set vacation budget and expenditure from Visa, based on research of 7500 travelers throughout Asia Pacific following:

1. Arrange holiday plans and budget well before departure. To avoid unexpected expenses while in travel, plan a holiday budget and do the identification and acquisition activity that causes a large allocation of funds, so that prices do not appear surprising.

In addition, card holders must notify the card issuing bank before departing respectively, to avoid disruption to your card. Always remember your PIN number, but do not store it on your phone or wallet. As a precaution, make automatic payments for credit cards, and make sure you have enough funds in your debit account.

According to Visa research travel, the traveler takes an average of 14 weeks to plan their holidays. Three quarters of respondents also said that they prefer to plan and book holidays online. The Internet is a very useful source to obtain travel information and check payment method available at the vacation destination.

2. Check quote for your vacation destination. To plan a budget with a more detailed way, the travelers need to check the promo promo-local (state) of their destination, ranging from free to stay in hotels with discounts at restaurants. Thus, you can enjoy access to these promos but in a cost-effective.

3. Avoid carrying large amounts of cash. The less cash carried fewer risks. Increasing personal security by using electronic payment methods such as Visa debit cards, credit cards, or prepaid cards (prepaid cards).

Almost one in two respondents (45 percent) said that the main reason for choosing to use electronic payment cards instead of cash or traveler’s checks for overseas transactions is to minimize the risk. Only four percent of travelers believe that it is safe to carry cash. If cash is lost or stolen, the money will be lost forever while Visa cards can be replaced by calling the issuing bank.

Travelers who are looking for a way to pay careful’ll feel more comfortable knowing that millions of Visa accepted at merchant locations in the world.

4. Use ATMs for how safe, comfortable, and easy to budget. To avoid carrying large sums of cash, two-thirds (64 percent) of the respondents chose to take cash from an ATM at their destination. There are more than 1.6 million Visa ATMs bearing the logo of the world, including major airports, making it easier and convenient to access the budget. ATM card holders can search for Visa or PLUS logos to ensure that international payment cards accepted.

Ellyana Fuad, Visa Indonesia country manager, said, “The card provides a single currency globally accepted, and travelers can access their money easily when traveling, and do not need to withdraw cash in large amounts prior to travel. Within a 24-hour ATM available at airports and major tourist destination. Travelers can access their money easily and obtain local currency with ease. ”

5. Save card details are important and emergency phone numbers in a safe and easy to carry. When the unexpected happens, the traveler can call the Visa Global Customer Assistance Service (GCAS) to cancel the cards and take care the change quickly. A Visa payment card also provides free protection responsibilities (zero liability) on purchases that are not illegal (unauthorized). It is more profitable than using travelers’ checks or cash.

When he returned from vacation, check out the report card payment and immediately contact the issuing bank if there are costs that are not right or suspicious.

And because of high interest, the debt will never be paid off too. Even if you fail to pay up to several months, debt collectors started to terrorize. There are so many ways how to use credit cards to be able to take advantage of these credit cards wisely. But can we get rid of credit card debt problems if we are not wise to change our thinking about credit cards.

What should you do when you know that the credit card you’ve made your entrance in a high-interest debt bondage and very oppressive. You must find credit debt help, you may go to a financial expert to ask about a solution to solve your credit card debt. Be open to share your financial circumstances and your difficulties in repay these debts. You should also ask about credit debt settlement, about how what you can do when you are negotiating with banks to handle your credit card debt. Do not hesitate to consolidate credit cards. Therefore you can solve your credit card debt problems smoothly and easily.

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