Business and Finance Lectures

Posts Tagged ‘Business’

WHEN THE VALUE OF INVESTMENTS DOUBLED INTO TWO? USE  72 Theory

In case you make investments only once, then there comes a time where Your investment amount will be doubled in two. For example, if You invested $ 1 million in deposits that provide interest rate of 12% per year (in the roll over every year), then money USD 1 million you will be doubling in six years.

How to calculate it is to use the law of 72. For the number 72 by the interest from your investment products. This means:
= 72 : 12
= 6 years.
That is the length of time it takes to make your investment could be doubling.

Of course, the higher your investment, then the result will be the faster your investment also doubled twice. For example, if You deposit interest rate is 24% per year (in the roll over every year), then money USD 1 million you will be doubling in the next 3 years (72: 24 = 3). Compare if You deposit interest rates of just 12%, whereas it took 6 years to make money USD 1 million into doubling.

Can Investment Managers Believed?

Actually, the word “Manager” intended for people, not companies. But rules mentioning that the word “investment manager” is intended for companies who manage your investments. People who work in it simply called Deputy investment manager. Sometimes referred to as the Investment Manager or Team, Investment Committee (you can see it in Your prospectus). In the language of finance, people whose task manage such investment fund called the fund manager.

Not just anyone can become a fund manager. She had to get permission from the Government (or agency BASED on ITS Patrons and Trustees for capital market). To obtain such permission, then a prospective fund manager has to go through the exam difficulty level is very high. To know anyone fund manager or Investment Manager of your Team members, you can read it in Your mutual fund prospectus.

How About A Mutual Fund Company Went Bankrupt?

Mutual funds products published by the company mutual funds, which simultaneously acts as investment manager. Therefore, the company’s investment manager living from commissions he received when investors buy UP (as being present with Units). The great Commission is normally a maximum of about 3% of the value of the purchased customer SET-UP From the Commission-the Commission collected this mutual fund company’s “hire” himself. Sometimes, the Commission also obtained when selling customers back UP that they have.

It might just happen, income received from investment manager commissions were smaller than the costs that should he spend to finance his company. As a result, could have been an investment manager (Corporate Investment Fund) is not able to live longer, and eventually went bankrupt. The question is, whether the property purchased mutual fund investors get lost?

The answer: No. According to regulations, mutual funds must be kept in a separate place, called by the name of Custodial Bank. Custodial Bank is an agency/agencies that already have permission  to be able to save a property assets of mutual funds. The company mutual funds should not be storing its own treasure mutual fund. She should keep it elsewhere, namely in the Custodial Bank.

So, when the company mutual funds/investment manager Company went bankrupt, the property investment fund you have guaranteed to stay safe. Your mutual fund prospectus, there will be a written Custodial Bank which is used by Your mutual fund company.

There are three ways you can earn money:

1. work. You can earn money by working, well it works on others, or open their own business. By working on others, then the money you get is usually in the form of salary. By opening his own business, the money you earn will usually be larger than if you work on others.

2. Inheritance/gifts/gift. The next way to get money is to inherit from a person, such as from your parents or your spouse. In addition, you can also earn money from other people in the form of gifts or grants.

3. make an investment. The third way to get money is by way of investing money that you already have at the moment. When you make an investment with the opening of deposit, then you will get the money in the form of deposit interest. If you buy a stock at a certain price and resell it with higher prices, then you’ll get money from the difference between the selling price and the price of purchasing.

As an entrepreneur, I met a lot of friends entrepreneurs who run businesses with different styles. There is a businessman friend who uses what we call management or entrepreneurship as a style of “managerial”, but there also does business with the use of force

I guess, with any style of entrepreneurship that we apply to our business, we remain an important business can be run and developed. It all really depends on each one of us. Originally we established with this style, so just do it. Because, if we’ve established, then the business that we run now would be more steady success.

There have been many proven, that employers who use the style of entrepreneurship  proved its success. This style puts four functions of management, namely production, marketing, human resources, and finance, focusing on the entrepreneur. My friend own tremendous success with this style.

In the skipper usually prefer to work as employees only, and do not be surprised if we later become difficult to distinguish the role. Can at times be an entrepreneur or business owner, business as well as employees, as finances, and so forth. It was once again due to a-4 management functions do for himself. While employees who work in his company, only serves the job or technical delegates only. In the meantime, there is another friend of mine who runs so engrossed with the persistent style entrepreneurship “managerial”. This means that all four management functions delegated to managers at the company. And, it turns out the style of “managerial” is also equally able to succeed.

We observe managerial style does tend to make us more willing to delegate and responsible to the manager or our employees. We also encourage them to provide opportunities improve achievement. Temperance like this do not exist in the style of Faced with two choices that, ultimately it depends on our own. We want to choose the style of entrepreneurship which one we like. Are we going to choose the “managerial” or  important of all it depends on stability of our

Myth or perceived “bad debt”, it could really be wrong. True debt is bad, if we owe too much, just for consumptive purposes. But if the debt is used by us to do business or enterprise, then the assumption that debt is bad is wrong. I agree, if we have personal debt, should be tailored to ability. Not a lot. And make sure that our debts are paid.

In business, when our business began to grow, certainly in desperate need of additional working capital and investment. If we want to progress, then the debt for a business not a problem, it is very necessary. Origin we can use it right, it will only make our business more developed. For instance, we have a capital of USD 10 million. From the capital we gain 20%, then the profit we earn Rp 2 million. But if from Rp 10 million we could bring in additional capital of USD 90 million of debt, so the capital to Rp 100 million, then 20% of our profits to Rp 20 million. From here we can compare how our profit before and after receiving capital from the outside. It’s simple math.

Many ways to get debt. For example through the bank. But the banks in providing loans must have seen our credibility. If we are good business, why are we afraid of debt. Due to the added capital, then our business will be better. So that our business grows, its positive impact can create new jobs.

Working capital loan is one form of debt that we can use. And capital that we can continue to use, because the system Account Statement, which we pay interest on the loan balance that we use. Each maturity can be extended. Even if our business moving forward, then we can apply again as needed extra credit. The important thing in the owe no slightest thought or intention to plangent or no pay. We must have good intentions to keep the agreement with the bank credit agreement.

Kta need to know, the Bank itself in its operation always collect funds. Both of these functions must be balanced. In lending, the Bank itself expects a gain for smooth operation and improving the welfare of employees, as well as the development of the bank itself. As for us who use credit so that the business was growing, then its positive impact, employee welfare will increase. Dissimilar necessity, banks and employers’ mutual cooperation, mutual support.

Actually, a person who has a bad image in her debt, basically because of the broken promises, can not pay or even plangent not want to pay. But there is also a bad image are created by those who do not believe for a debt. So as compensation annoyance, they spread rumors, that debt is bad. Assumption like that should not have happened, because what we are doing it for the betterment of our business. Unfortunately, most people believe about it. Yet if we want to exist and progress in business, one step that sniper is to be willing and able to utilize funds from other parties. To do this it required courage and optimism. We could have a sense of optimism even with their own capital, although some say, the business capital of our own selfish means, not social, not for-for profit. And from a spiritual aspect, in my opinion, the more we involve the funds of others to grow the business, so the more people come pray for our business. Conversely, if our business using their own capital, so that we only pray for our own business. Dare to try?

In an entrepreneurial training program held Entrepreneur University, some time ago, I asked participants, “How are we self-employed but do not have the capital?” I replied, “the key, windfall!” That stands for “Courageous, Optimistic, Money, Other People.

That is, if we dare to become entrepreneurs or entrepreneurs, of course, we must have courage. Not only dare to dream, but also dare to try, dare to fail, and dare to succeed. I think this is important and we must have. In addition, we also have to be optimistic, it will always be confident about the future, confident in the ability, and also stop the flow of negative thoughts.

And, we do not easily believe in the myth which says, that these efforts could not have started with knee capital. Similarly, the myth says, that the knee capital means starting small – scale. I believe that if we believe that our business will do, must be able to walk. Even if later in the middle of our street capital difficulties, suppose it is only natural in the business. Because, in fact one of the characteristics of business or to grow our business is always just a lack of capital. If we grow the business forward and increase turnover, then also required to provide additional capital.

In short, with turnover rising, we are faced with the difficulty of capital, we need money. Money it can from where? If you have a legacy and not saving a lot of problems. If not there? Money that we can get from other people money or debt. Moreover, capital entrepreneur whose name is the knees. So no dengkulpun, can borrow someone Else’s knee. Or let’s say, ultimately in bank debt, or debt means that we can prove that we are trustworthy. Credible …

So the greater our debt to the bank and is not jammed, the greater the confidence in our banks. So confides an entrepreneur is measured by how big the debt gets, and we are increasingly respected. Therefore, our debt rose flowers are used to finance the bank’s operations, including salaries of the employees and the interest of the depositors.

Remember, the bank’s business one source of income from interest on the loan. That we owe to that used to develop the business, then of course it’s not impossible to precipitant gangplank new work. That sang ant useful. Is that his name is not noble?

Business opportunities for women, is actually very large. Not just for now, but also for the time to come. In fact, business opportunity Entrepreneur woman is actually bigger than the male entrepreneur.

That’s because he has a surplus. The surplus is located precisely on the “feminine”. Wherein, the figure of the woman entrepreneur is superior in the negotiations. That’s probably because of flexibility or flexibility. Or the term Temple G. Brush, assistant professor of management police of Boston University, entrepreneurial women are more cooperative, informal, and easier to build consensus with other parties.

Preferably, the male entrepreneur tend to be more competitive, more formal impressed, and prefer to think systematically.

Moreover, in my opinion, women entrepreneurs also tend to be more intuitionist business. So I’m sure, if able to develop its advantages, it also will expand its business certainly remarkable. As if we see, the success of women entrepreneurs

Only, unfortunately, I saw a woman entrepreneur is generally known too careful in doing business, and even too afraid to take risks. Thus, if the weakness of governance that does not work properly, it will clearly result in the number of women entrepreneurs who jumped into the business world at present, relatively small.

For example are relatively fewer in number than if we compare it with the members of the Chamber of Commerce or similar organization  or a “male”. Perhaps it could have been because most businesses are owned by women entrepreneurs, much less than if they worked on a Vendor. As revealed by a study from the Institute for Women’s Policy Research in Washington DC.

Meanwhile, mergers Lovero, director of the Entrepreneurial Center at Manhattan College said, that it is difficult to develop women entrepreneurs forward, also because they tend to maintain his small business. Because, for him to be great, but rather on a desire to try to support himself or standalone, bring balance and flexibility in managing their daily time. But if he worked at another company, flexibility does not get.

In this context, perhaps it’s good business right now among women entrepreneurs, need to be encouraged on the business activities of domestic industry, the more likely the business or entrepreneurial spirit can continue to grow. Therefore, I think even the courage of women in the corporate world to pursue not for the courage that made the male entrepreneurs, women entrepreneurs  if you want to grow his business, he should dare to take risks, and more willing to establish business networks more broadly.

To start a business or businesses is necessary thought and calculation, with the hope that the business or our business forward and develop. We may have read many success stories of someone in starting and building a business, also the fact that many large multinational companies that currently have such a large and advanced once preceded by a simple business that is run with difficulty, but with persistence and effort unyielding so that now they become a big company with a turnover of billions and even trillions of dollars.

Can we like them? Starting a business from zero to be great? Sure can, but success or failure of business that we run is determined by many factors that are certainly more complex, different every time and age. Many ways people do to start a business, there are really trying from scratch, they seek their own ideas to the business or businesses they run, but for us who seek more secure in starting a business will certainly choose the type of business more guaranteed success rate , rather than nothing, most of us may not yet have a large enough capital to start a business, so that existing capital should be utilized appropriately, effectively and efficiently as possible so that businesses can continue to run and not stop half way through due to run out of capital.

There are so many types of business online is safe enough for us to run, one of them is to buy and run a franchise business. We all have to understand that starting a franchise business means we are buying a license of a product or service, business or business to be run in a binding agreement or contract, while the system or the distribution of profit sharing between the trademark holder or with our business as a buyer who runs a franchise business franchise that sometimes differ between one another. Although it is a type of business that is quite safe, but to start a franchise business of course there are important things that need to be taken into account.

Mid 90′s to around 2002 may be regarded as the heyday of his prime business-telephone, at that time many people start a business because this business kiosks provide a tidy profit, but since 2002 the business began to stagnate and kiosks appear increasingly increasingly lethargic. This is because the more intense and less costly use of mobile phones (cell phones) among the public, so as to communicate them start switching from telephone to mobile phones are getting cheaper and affordable for all people, even now most of the telephone business has gone out of business crushed by mobile phones more cheap and practical.

So is the cafe business (internet cafes), the 2000s were the heyday of Internet cafe business, even the mid-2000s many people yesterday busy to start a cafe business, but the cafe business now begins to show the saturation point, along with the cheapening of the cost USB modem Internet access and a very practical, a lot of loyal users cafe that switch the USB modem with GSM card to access the Internet network.

Some cafes are still survive, but most of the visitors who still come to the cafe just to play games online. This should be a lesson for us, that technology is always evolving and price will be more expensive, so if you start a business related to technology it should be ready to transform or alter the business strategy and follow the development of existing business, as an example of a successful business owner shops that do not should be closed down and quit trying when the telephone business began to slow and lethargic, he should have thought to turn his business into an agent such as mobile phone bills as well as buying and selling and servicing of mobile phones, or other types of businesses around the telecommunication which has been the main business. Hopefully useful

Whose name the business opportunities there are indeed everywhere, including on FaceBook, and with the internet business opportunity can be worked from anywhere. In communities large and crowded like Facebook community with millions of members and continues to grow rapidly. Who has not heard of Facebook? If it’s one of them is you then it is time now entered into this community and enjoy: FaceBook.

On Facebook, you can search for business opportunities from your friends who offer business opportunities, usually they will put it on the Website, or it could be in the Notes or the sequential on their Wall. Once you become a part of Facebook, then you can offer your business opportunities in communities that have your forms. You can easily find friends on Facebook for example by adding friends of friends become your new friends.

Try it in and join Facebook and learn how Facebook can benefit your business development.