Savings and Investing

Today many people are increasingly aware of the importance of savings and investing for future security, so many banks have also issued facilities to help the community. example:1. conventional savings, this type of savings widely used Indonesian society. The facilities obtained if they have this type of savings are able to save money, deposit money, take money anytime, and check the activity of a current account.2. Savings Current AccountGiro Savings is a special savings account for business transactions.3. Hajj savings
 Usually the customer is required to deposit money around Rp 100 thousand to Rp 500 thousand per month.When the money has been collected successfully collected around Rp 25 million - Rp 30 million, you can register to the ministry of religion.The more sophisticated the technology, the mindset of society is also more advanced. Many people ranging from young to old to invest. But a lot of people who do wrong investments that even cause harm.
there are some tips how to avoidinginvestment fraud:
1. Do not get caught up with false promises
2. Avoid Selling Sellers
3. Beware of sellers by coaxing
4. Beware of Replication and Funds
Arrangement
5. Avoid unclear companies
6. Observe the permit from the Supervisory
Board
7. Remember the Investment Principle 

Buying a Home

Everyone wants to have a better and more comfortable life. One of them by buying a house. The house purchased is certainly expected as a place to relax and become a comfortable place for family gathering. Here are tips for buying a home:1. self preparationBuying a home is not easy. We must adapt to the new confusion. We also have to think about whether the house we buy is the way we want it, because it can cause discomfort.2. reasearchWe can find information about the house that suits us. For example a minimalist house or large.3. savingsNot just self-preparation, buying a house must also be adjusted to the existing budget. How we will pay home installments, electricity costs and others4. agentTo buy a house we can find the appropriate agent or intermediary. They can help us choose a home that suits our tastes and budget5. bankTo help our finances in buying a home, the bank offers credit. To get a bank credit, we should not have any arrears or other credit in the bank. Then, we must submit a KTP, family card, certificate of employment, salary slip, and requirements required bank. If the bank approves then we will get credit from the bank. We can pay home installments directly to the bank or through the developer

Banking Service

To make our economic activities faster and easier, we can use banking service.
there are several type of banking service:
1. Pawn Shops
From what I know about pawnshops, we can exchange our goods with money. To take our goods back, we have to pay by installments.
2. Credit Card
A credit card is cards that allow their holders to make purchases of goods and services in exchange for the credit card’s provider immediately paying for the goods or service, and the card holder promising to pay back the amount of the purchase to the card provider over a period of time, and with interest.
3. ATMs Card 
If we want to take or give our money quickly, we can use ATM
4. consultancy

Modern commercial banks are large organizations. They can expand their function to consultancy business. In this function, banks hire financial, legal and market experts who provide advice to customers in regarding investment, industry, trade, income, tax etc.

Not only that, but banking service can also be a personality (be polite, friendly,) and performed (dressed neatly, politely, and clean).
Services performed by banks can also be material. For example if connecting with a predetermined amount, will get a motor. Service in this form can be used to attract people to become customers or retain old customers

 

living on your own

There are many reasons people want to live on their own. Live on your own does not mean living without others. But in my opinion, more towards life that makes us more comfortable. For example, it can be done by moving house.Moving house is not an easy thing to do, we really have to prepare our mental and living expenses. These things can be done with:1. looking for home as neededDo not need a house that is too big, must be adjusted with the number of people who will move. Buy or rent must also be adjusted to the budget, because the budget will be used again to decorate or buy the home needs.2. create a budgetWe must make how much income and expenses. Because the need will be borne alone, such as electricity, water, and daily necessities.3. must be ready with the new environmentFor people who are less able to blend in with new environments this is a bit difficult, because we must be able to quickly mingle. It aims to maintain communication with neighbors or the environment.

how to fulfill our wants and needs with simple method

in modern era, we have so many needs and wants. until sometimes we difficult to distinguish between our needs and wants. nowadays our wants can become needs. if we want to fulfill our needs, there is a simple way that we can use for our finance.
first, we have to collect our billls, so we can know our cost and rest of the money. because we have so many other needs that we have to fulfill too, we can choose which one should precedence.
second, we can make a very simple finance record.  this can be use to know how much our cost and revenue in a very detail way. and we can estimate how much maney is left for savings.
we have disipline ourselve, so the money is not wasted. 

THE BEST DECISION FOR SUE SMITH

         Sue Smith has worked 9 years old, in my opinion "there is never too late to learn". But, if she really want to going back to school she must try really hard and get her graduate maximum 4 years. Because if Sue Smith bagan working at 18 years old, it's mean Sue Smith already at 27 years old. and after graduation Sue Smith was 31 years old. Today is hard to find a job beyond the age of 27 years old. only certain fields that accept fresh graduated at 31 years old. So, sue smith should really select exactly the area to be undertaken.

THE BEST 'PLACE' FOR ME

In my ages, i think make decision is the difficult thing that i know. i always afraid my decision that i have taken will be regrettable or doesn't help anybody.

one of the decisions that i have taken is the best working place. actually my parents especially my beloved mom tell me to work with my father. So i don't feel too tired and i have many time for my family. Because i will working while in college.

in the first, i think it's a good advice. Maybe my Mom worried i don't have time to enjoy my life like in Senior High School or Junior High School. Yaaa.... I always study like 'an idiot'. (I think it doesn't good if you give too many time for study, you have to split time well)

 But, i think if i working with my Father, i will feel like i am 'not working', feel like home, will be lazier, and the biggest reason because the salary.

if i get my salary from my parent, i will be not the salary that i have got is from my hard working.

So i choose to work with others, in the administration section.

i hope you will make a good decision too.