“After the Revolution itself, should proceed with the evolution of ourselves to implement ideas change in natural/natural” (day of the ‘ Soul ‘ son).

In terms of football, there are two poles of an understanding of professional players, one pole in the call revolution players, the other pole of the evolution of the player.

The advantages of the revolution players are able to quickly meet the needs of the position remained vacant from work team named ‘ Financial Starting Eleven ‘. On the other hand, in the form a formidable team, could not quickly to understand the chemistry/chemical body between players, who felt a star player.

On the other hand, the revolution players will produce a ‘ choir ‘ financial and wasteful squandering budget company impressed me. While the evolution of the player, the excess is the occurrence of regeneration in the can between the players with natural vision lead not merely money, but also the high idealism of planting a mission Starting Eleven companies ‘ Financial ‘.

The drawback, it requires time which is not a minute to educate, train and nurture a team a solid in accordance with the harmony in the body of a solid team in the middle of dense schedule and needs an achievement (read: profit).

And also whether the investments that have been planted over the years would produce, or even undermined the little by little the savings investment company with a future potential star players.

Whatever onlookers select, all of them there is a consequence. Now we draw a red thread of the eternal feud between the ideas of the revolution and evolution. Bottom line, either way the revolution and evolution, there is a larger part again, i.e. the requirement for an achievement or recognition, where with the recognition, the more open access towards the improvement of conditions of a self, community, company or life itself.

‘ Financial Starting Eleven ‘ can we see as a financial balance sheets, where there is a balance in assets and debt. Assets can be cash, bank deposits, securities, such as stocks, bonds, mutual funds, unit links etc, could also be in the form of vehicles, property and business. Being in debt can be a home debt, commercial, land, apartment, credit cards, debt vehicles etc.

In order for the balance to be balanced, then needed another instrument called a cash flow, cash flow where in there is revenue to be derived from salaries, bank interest, for results with the bank, the business profits etc and expenses among others consist of savings/investments, insurance premiums, installment repayment vehicle, home, credit card payments, the monthly cost of living etc.

Financial Management Starting Eleven this is what we have to manage in order for the goal to be achieved, the prosperous planting where the investment yield of star players, with experienced professionally finish will increase the resale value of the star player.

On the other hand, derivative products such as the stars as the iconic merchandise will be added value in addition to achievements that will certainly hope harvested. Congratulations on running a Financial Starting Eleven company!

MAKE SURE your social media content is something bigger, more important than the Organization of your company, or more important than the greatness of Your written in social media. Focus on the “why” rather than the “what”. If so, what should you write? Well, this for example; If you’re selling speakers, yes the sound tools can produce clear sound quality and crisp, then content that you should think of is not “why” a lot of people buy from you just because its audio quality. However, larger than that of what? The “why” and the reason what consumers buy it from you. So, the content in your social media component focusing on it. Content that will meet your blog, Facebook, Twitter, and others belong to you or your company if you are a businessman or mandated by the company to manage a social media campaign. It could include tips, advice which was to connect the bigger reason to answer the “why” – so that, by doing so, You create a connection which means.

One of the most decisive factors for the success of the attainment of financial goals is a commitment and order we abide by a strategy that has been determined. Financial Planner professionals from the world of banking can be involved to organize our financial goals. I hope this article provides inspiration for us to rearranging and improve conditions of our personal finances.
As already described in step one above, the magnitude of the obligation to pay the debt (repayments) should not exceed 30 percent of our total revenue. And this is the first priority should be placed on the side of expenses. Suspend debt repayment obligations would only give rise to the creation of new opportunities in the future debt that has a higher interest rate. The second priority is to manage expenditure in spending routine.

Should be distinguished clearly between the regular expenditures and personal expenses. Routine expenditures are expenditures that are an absolute must do to support productive activity, we cannot be saved without lowering the quality of life and cannot be avoided, whereas personal expenses are the types of expenses that must be sacrificed when there is a decrease in income. The magnitude of routine expenditure should be kept in the range of 50 per cent of our total revenue. When expenditure exceeds the threshold of routine is already 60 percent of our total revenue, then we do not have the opportunity to invest.

As a result we will lose the opportunity to improve the quality of life in the future. So when a routine expenditures are already approaching the threshold, we must work more actively again so that our total revenue increases. Investments should also be a priority in the allocation of “expenses”. This investment is useful to improve the quality of our lives in the future. The investment will add to the assets that we have and be a source of passive income.

Cultural investment should start to do early on, how our income. The size of the allocation of “spending” for investment minimum is 10 percent of our total revenue. In order for this condition is reached, then the allocation of investments rather than from our residual income after deducting the expenses, but indeed already allocated once we receive revenue.

Need to understand that the investment is not the same as saving, because saving only gives a relative asset growth rate is very small. Increasingly young age we are the greater weight (percentage) of our investment in investment instruments that are able to provide a high rate of return in order to support our financial future.

Has to be realized that an investment that provides a high level of yield has always had a high level of risk and level of risk should be fixed in accordance with the characteristics of a risk tolerance that we have. The steady state condition of our economy, then the asset allocation in the form of investment must be getting bigger, until in turn we can achieve financial freedom if the results we get from our investment is already working asset exceeds or at least come close to the results of our productive work.

In last week’s Edition I’ve been viewing on the importance of financial planning for prosperity in the early days of old.
Four matters related to planning retirement is out I pass on to you, i.e. (1) identification of the objectives in the old days; (2) the choice of quality lifestyle in old age; (3) measures the level of current income; (4) having regard to the rate of inflation. As I promised, this time focusing on the issue of discussion about estimation of source of funds in the old days as well as tips on how to fund the shortage of funds to identify various sources of funds.Although it seems simple, there are systematic steps that you have to travel to guarantee a happy old days.

Prepare Your Source Of Funds
To facilitate your understanding of the methodology of calculation of earnings in the old days, I will present the family of Mr. Bogdan Michka illustration (quoted from the book Old Days Planning Module Programs Certified Financial Planner). Mr. Bogdan Michka (aged 30) has two children who are still teenagers.Husband and wife within the family was quite successful in the career of each and they’re running a simple life patterns. Their earnings are both roughly compared Indonesia Rp10 million per month before taxes are deducted.

They agreed to stop working at age 60 years (30 years)they want to have a standard of living that is simple, convenient, however there is a certainty to finance their expenses in retirement. Next Mr. Bogdan Michka need to make estimates of the need in the old days, and is initially estimated the move their household expenses when entering retirement. Based on the record of the balance of income and expenditure of households monthly, their household expenditure amounted to 7 million per month.At the time of entering retirement, their obligations to pay their mortgages  is over and the two children loved one can no longer live with them.

Because some postal expenses are reduced, Mr. Bogdan Michka estimated that they only need 80% of current financial expenditure to be able to have an adequate standard of living.So, at the time of his retirement later, Mr. Bogdan Michka know that their life needs amounting to Rp5,6 million per month or Rp67,2 million per year. What’s the next step? They have to find a source of funds for survival in the old days when they have no more income. Currently they already have two sources of income for these provisions, i.e. the product of the Scheme and program savings life insurance they already have since a few years ago.

In total premium benefits from both these sources were later able to give revenue Rp50 million per year. Lucky once, they already have the savings life insurance product so that there is certainty of revenue sources in the old days later. Based on estimates of the magnitude of family needs in old age Bogdan Michka Pack (Rp67,2 million per year), meaning there is a shortage of funds amounting to Rp17,2 million per year for a standard can achieve the life they want.In addition, due to the rate of inflation, shortages will become larger. If their spending affected inflation amounted to 7% per year, for example, means a total lack of funding will be distended to Rp 130.931.560,-within 30 years (quantity is calculated using the table value that will come).

That’s why, Mr. Bogdan Michka need to calculate the size of the source of funds in the old days so that they can fund the projected shortfall.To find out how much money they need to collect, first they have to estimate the level of investment results they can get at retirement later.This figure shows how the size of the funds they need in retirement so that they can meet the shortage amount of funds that had been predicted earlier. When the investment yield of 8% per year, for example, means the Family Pack requires funding of $ Bogdan Michka 1.636.644.500,-when they retire.

Need to understand that the investment is not the same as saving, because saving only gives a relative asset growth rate is very small. Increasingly young age we are the greater weight (percentage) of our investment in investment instruments that are able to provide a high rate of return in order to support our financial future.

Has to be realized that an investment that provides a high level of yield has always had a high level of risk and level of risk should be fixed in accordance with the characteristics of a risk tolerance that we have. The steady state condition of our economy, then the asset allocation in the form of investment must be getting bigger, until in turn we can achieve financial freedom if the results we get from our investment is already working asset exceeds or at least come close to the results of our productive work.

Personal expenses are the only types of expenditure that may and must be sacrificed when there is an increase in the percentage of expenditures in the third post spending more. Postal delays and reduction in personal expenses will not reduce the quality of our lives and not harm our financial condition in the future.

This is obviously different when we reduce our expenditure allocation on ZIP’s third priority is spending the first. One way to control personal expenses is to open a special bank account that is used to support these personal spending and this account contains only the rest of our previous month’s income after total expenditure reduced by us postal in the third priority expenditure should not be bothered to sue. This is a special account that is used to fund personal expenses in order not to undermine the third postal expenditure priorities. With the existence of this particular account, then we also need not bother to calculate the size of the allocation of personal expenses that may be done.

Type of investment choice for an emergency fund is an investment that is liquid and has a level of investment risk is relatively small. Investing in an emergency fund is not for the purpose of growth but more on availability at any time and is not timeless inflation. Must be realized that the magnitude of the emergency fund should be increased in line with the increasing levels of our lives.

Make A List Of Expenditures
The third step in the preparation of financial plan is to make a list of expenses. At this stage the absolute done is check the kind of expenditure which during our lives. In the outline of the types of expenses that can be divided into four parts, namely, the obligation of paying the debt, spending on routine household expenses, such as electricity, telephones, and others, investment and personal expenses.

As already described in step one above, the magnitude of the obligation to pay the debt (repayments) should not exceed 30 percent of our total revenue. And this is the first priority should be placed on the side of expenses. Suspend debt repayment obligations would only give rise to the creation of new opportunities in the future debt that has a higher interest rate. The second priority is to manage expenditure in spending routine.

Should be distinguished clearly between the regular expenditures and personal expenses. Routine expenditures are expenditures that are an absolute must do to support productive activity, we cannot be saved without lowering the quality of life and cannot be avoided, whereas personal expenses are the types of expenses that must be sacrificed when there is a decrease in income. The magnitude of routine expenditure should be kept in the range of 50 per cent of our total revenue. When expenditure exceeds the threshold of routine is already 60 percent of our total revenue, then we do not have the opportunity to invest.

As a result we will lose the opportunity to improve the quality of life in the future. So when a routine expenditures are already approaching the threshold, we must work more actively again so that our total revenue increases. Investments should also be a priority in the allocation of “expenses”. This investment is useful to improve the quality of our lives in the future. The investment will add to the assets that we have and be a source of passive income.

Do submit an online application in order to speed the process along. By submitting this information in advance, the lender will be able to get started to work on your loan right away. Do be prepared to visit the lending location so that your car can be quickly inspected. This inspection will be used to determine the value of your car, as well as to note the condition that it is in.

Don’t assume that a car title loan is different than other loan types in terms of repayment. You will need to make your payments as agreed in order to keep your account in good standing. Don’t delay contacting the lender should you suspect that you may not be able to make your payment on time. You may be able to extend the loan, but only if you contact the lender in advance of the due date and do not wait until after you have missed a payment.

1. learn the contents of the loan agreement and the terms and conditions of the applicable credit
2. Understand those terms and conditions before approving a loan or submit a credit application
3. set aside money from the monthly income for emergency needs
4. set the spending limits and obey every month
5. be careful when shopping with credit cards or installment, like shopping with cash
6. do not take a loan with monthly payments that exceed your ability
7. pay bills on time to avoid penalties and interest expenses to keep keeping low
8. Manage your daily expenses properly, so it does not interfere with your credit bill payment
9. save all your credit card information (including a credit card issuer phone number) in a safe place where it would be useful if your card is lost or stolen
10. save all your receipts and compare all costs when the Bill comes. For credit cards, if there is an error, contact your credit card issuer as soon as possible.

You will encounter problems if you don’t pay your credit card bills or loans on time. This could even lead to legal action. Delaying payment of a loan or credit card bills is a serious problem, and can affect your credibility when applying a loan or new credit card.

In order to avoid problems like this, use your loans wisely. Therefore, you should first find out what the value of loans that are willing to pay You. You should examine carefully your financial condition at present and in the future before doing the lending. After that, create a realistic budget to pay for the loans it by calculating the ratio of the loan.\

The Ratio Of Loans

Loan ratio is a comparison of the amount of the loan to the amount of your income. This ratio can give an idea about your financial condition. The ratio of these loans is a percentage of the monthly net income is used to pay the loan and monthly fees. For example: summing these all the money needed to repay the loan each month, including the cost of the rent or mortgage the House, then shared with your net income (after tax cut). Thus, the smaller the ratio of your loan, the greater is the money that you can put aside for saved or used for other purposes.

Many financial experts recommend that the ratio used to repay loans and credit cards do not exceed 15 to 20 per cent of net income, and total payment of all debt repayments included the House should not exceed 40 percent of your net income.

Credit cards, loans and other loans of various types can make it easy for you to manage finances, and can be used in times of emergency. Credit can make it easy for you to pay such a large value purchases electronic equipment and furniture of the House. Mortgages (MORTGAGES) make it easy for You owning a House.

But you need to remember that having a credit need a big responsibility. The management of the credit that is not wise can disrupt the flow of your funds and may cause other problems. Therefore, it is important for you to know the ins and outs of credit so you can use it wisely.

Types Of Credit

You can get a loan for a variety of purposes such as buying a new car, pay tuition and buy or repair houses. You can also apply for business loans. Credit is generally divided into two types: loans with collateral and credit without collateral.

-Loans with collateral loan is obtained by a person with a  something to the lender. Collateral is something of value equal to or greater than the amount of the loan, such as a car, a house or a cash deposit.
-Credit without collateral is a loan without any assurance be obtained at one person.

A credit card is one of the types of personal loans without collateral are most common. Using credit cards to borrow money. Every time you swipe Your card, apply for a loan to actual spending. If you want to the payment of bills, the credit card company will charge you interest would you have to pay the installment value simultaneously with the purchase of the goods.