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Saving is a way to empower ourself. Habits aside money will provide financial security and freedom to make choices.

It’s no secret that many people with an income no matter how it turns out having trouble saving. The reason, no other lifestyle increases. As a result, salaries are always out to finance the lifestyle. In fact, to start the habit of saving, you can do the simple things, such suggestions Burton Malkiel and Charles Ellis, author of The Elements of Investing. Here are eight ways recommended by Malkiel and Ellis to make you use the money, and save regularly.

1. Recognize the use of your credit card. Credit card users that discipline can get rewards points by using his credit card for all spending, but pay the entire bill on time. If you lack self control, you should use a debit card just to make sure your expenses are not greater than your account balance. Observe your billing statement to find out where you spend your money.

2. Let someone else pay for you. How do I? For example, you follow a defined contribution pension fund. Ask the bank to arrange for automatic deposit to withdraw your funds. Thus, you will not forget to deposit pension funds because the funds are automatically withdrawn from your account balance.

3. Deposit of salary and other income into a savings account. You will not be given the opportunity to utilize the excess money to spend excessive, if you have to transfer it to another account. Do this as soon as you receive a salary, rather than after thinning salary.

4. When you pay for purchases with credit cards, write down your expenses immediately. With a note, you will know that if “the fund shopping” has reached a certain amount, you can no longer go shopping. You also do not be surprised when the credit card bill comes, and you’ll have enough money to pay the full (balance) portion of the claim.

5. Transfer remaining salary money to another bank account. You may not need a “small change” remaining salary this month. However, if you always move the remaining balance of the end of the month to another account, at the end of the year you could use the money for a holiday lunch or buy a branded item you want.

6. Save your pocket money. Bring their own lunch from home, or buy a sachet of coffee for coffee-coffee substitute event after work, will greatly save your expenses. You can enter a sum of the price of coffee that you buy at the coffee shop into a special box to save a dime. At other times when you need money to do treatment or facial hair, you can take money from it.

7. Get used to pay debts. What does he mean? When you complete the payment of debts in installments until the debt is paid off, keep aside a sum of installments to be transferred to another bank account. So, as if you are debt, but actually you are saving.

8. it’s hard to decide which boss you want to buy? You should not have to immediately make a decision at that time. Allow yourself to lower the tension by coming home alone. After the heart and your mind clear again, usually you will not be returned to the store to buy the goods.

Starting a business, whether big or small it is not easy. Especially for us who have never or have not experienced in business. So it is not rare there are not so starting a business because it’s too much thinking. following this tips:

1. Hobby, is the easiest way, enjoy and you are more familiar with the occupied areas. Examples: flower business, shop, and catering.

2. Desperate needs, such as layoffs, unemployment, sluggish business or parents died, so forced selling clothes, cakes, newspapers, etc.. It is a difficult, but with hard work, success is possible.

3. Invited friends, family or colleagues to join MLM. With relatively small capital and a good network system, you have chance to succeed.

4. Get Inspiration from newspapers, TV, internet, office chat friends, chat-chat or another neighboring streets in the afternoon. Once you see the “WOW”, you immediately have trouble sleeping to immediately realize the dream of your business.

5. Continuing the family business, so in the end with a “cool hand” your business become more developed.

6. Leisure time, such as retirees, writers, etc., then opened a grocery store, counter voucher HP, refil aqua, and business consultant.

7. See opportunities in the workplace, business friends, who smelled of business problems around your home, such as laundry business, PS rental, cleaning service, etc..

8. Utilize your knowledge and skills, such as the translation business, property consultant, shop / computer services and tutoring.

9. Participate in coaching, training, training, and workshops, such as screen printing, electronics and salon.

10. Business echoes in the workplace, and open a similar business.

Online business based in the home are currently being loved by many people because of the sense of freedom and excitement generated and because we can be the boss of the business that built its own. Maybe we too are one among them who want to get out of work in the office and determined to run our own business with family.

Here are basic tips to find the right opportunity to make money online.

World Internet is a vast Maya world and almost no limits both space and time, in which there is opportunity in every field of anything in the real world. So sometimes confusing to choose the right job that fit with the talent and expertise.

The number of these options may be even obliterate the dream because of the filtering of information available online, therefore we should be objective and selective for the track, select and find the idea of our work and make it a reality.

Furthermore, we choose a job that would have to is legitimate or legal, and legality of the website must have a paid (own domain). This is because already many people who fall prey consumed by the ad that entices with the promise of getting rich quick from the internet in no time. Can do but should have qualified and experienced. But if we had just entered the world of the Internet, the promise was just a sweet crap who are not responsible. Logically, where there is a direct business can make people rich quick, in addition there may be a miracle from Allah SWT.

And it’s very risky to hear that there are ways to make money online so quickly. In some cases, there are sites that promise sellers are making some money from the registration of members to provide jobs.
So better find the right information at the most before choosing a suitable job or business for us.

For this we can Utilizing the Better Business Bureau Online to get information about the validity of any company, if we want to work online. Check the business is compliant with BBB online. It helps to know the performance and the performance of a company. but it is not exist in Indonesia which provides information like this.

If we can not reach out for a job that fit with our expertise, we can take advantage of forums and social gatherings such as yahoo answer, where we can get advice to try the job, which according to our abilities. Here we can get reviews and feedback on legitimate companies for the follow, and we can meet people with similar interests and goals, to learn from each other.
Moreover, many people are experienced and have an open mind willing to help us through this online community.

Great desire to become a leader for some businesses, or become a master, and become experts in it and with the spirit of focused, can bring us to a higher position.

And as a basic guideline, Search is an online educational course or relating directly or indirectly with the products we will do. No harm for a little spending money and time to educate ourselves with a variety of online knowledge or knowledge about Internet marketing, yet consider it as an investment in our cita2 to make money online. Although we set with one line of work, but it could not hurt to continue to soar right cita2, without forgetting our jobs or basic skills.

For those of you businessmen or entrepreneurs, certainly not dong obtain increased income. Any way you definitely will try to get a larger income. But the thing is, at this difficult time, when the dollar ’soar’ higher and stable economic conditions not yet visited, it was a way to add income feels ‘dead end’. But do not be pessimistic about first, though it was difficult there are still ways to supplement your income. Find out  tips below:

* Increase sales by utilizing and mobilizing a powerful marketing force. Then do the expansion or the expansion of sales to other regions that do not yet know your business. Reduce sales in the middle like this recession is a mistake. Because at the time your competitors reduce or even stop production, thus giving opportunities and greater opportunities for you to attract ‘the market’.

* Do not stop advertising. Stop the ads is also a mistake. When other people stop advertising, it is an opportunity for you to continue to remind others about your products through advertising. Take advantage of opportunities in this narrowness. Remember, if you ‘vacuum’ to advertise, people will forget about your products. If your funds are limited, selecting the appropriate ad to the funds you have. With the ad also gives the possibility to attract new customers.

* Cut costs are not too important, as the cost of additional facilities, exhibition costs, costs of visits or costs on other items that can still be trimmed. But of course, do not reduce employees’ wages or salaries. Employee might be ‘down’ and lose their enthusiasm for production.

* If you need to multiply the product or service you offer to customers. Even if you have marketed a new product type which is roughly have a bright future. Of course in the field that you mastered. Remember; do not try to run the speculative new business that you are not completely mastered. Do not forget to contact customers to let them know there is a new product.

* In certain times, remind customers to your products, to reach her by phone. If necessary, ask about what kind of products needed by customers. If possible what is wrong with your product meets the desired customer.

Do not forget, of course, you have to really undergo additional efforts ‘income’ is. Impossible without the seriousness of your business will succeed, especially in difficult times like this. The key is diligently.

As a sales / marketing, of course, we must have accurate ways to attract sympathy and attention of customers so that they are interested in products or goods that we sell. Here are the steps that can be applied, a simple 5 step but was quite helpful and is still up to date until now

5 Steps are:
1. Preparation / planning
2. Introductions / Opening
3. Questions & Identification
4. Explanation & negotiation
5. Closing & follow up

1. Preparation / planning
Things which need to be prepared before making sales in as:
• increase the ability of products and services very well, especially the benefits that can be when the prospective customer to buy products that we offer
• Other competitors also have learned and what things we can offer in order to compete and customers choose our products
• prepare the opening words and learn the presentation materials will be brought
• prepare materials that will be presented with a simple format, easy to understand but also to draw attention
• prepare a checklist that contains questions so if there are any questions from customers, we’ve got a definite answer or correct
• consider carefully what will we achieve / get from these meetings with prospective customers
2. Introductions / Opening
• Smile, be professional, and must be able to appear confident in order to reassure customers
• Introduce yourself with full name, current position and the work you are doing
• Explain the purpose of our arrival and make sure we come to fulfill what the customer needs
• Ask how much time is given for you to explain and when to finish
• Ask if there are things that can be written as an input
• If all the explanations already given, then prepares to enter in step asked

3. Questions & Identification
• Step into something important and vital, and the technique must be mastered in order to answer questions in the catapult, then the answer can be provided
• Show empathy and want to hear, this will be very visible from the body language (body language) we also
• The main purpose of this question is to identify how the needs and benefits can be obtained if the products that we offer is finally approved for the purchase
• Establish an open question to invite others to give long answers, while the form of closed question will be invited for a short answer like “yes” or “no”
• To use the model of open questions 5W, 1H (Who? What? Why? Where? When? And How?)
• Listen carefully and give a sense of empathy with good eye contact, show that you understand, what the needs of customers
• Confirm that reset is also important so that miscommunication does not occur
• Make sure the customer time to talk we do not do interrupts by interrupting customers, provide flexibility and time

4. Explanation & negotiation
• This step should be the focus or the core of the talks
• A sales have really mastered what is on offer / sold
• Presentations are made to be able to demonstrate the strengths or advantages of products / services which we offer above, especially important point to consider is the sales person
• Ensure that in the presentation that we make contains the experiences that have been achieved

5. Closing & Follow-up
• Close with a statement of whether the customers satisfied and interested in what we convey, whether it qualifies for and respond to the needs or customer needs
• Follow-up is an important indicator that should be done because it was a marketing supposed to do this to ensure customer satisfaction and continuation of the offer which we convey