The greater cost burden every few periods of time, the need for money keeps coming. Appropriate financial arrangements it is important to ensure that no errors and can continue to maintain the continuity of the availability of funds to go later. Here are the things over money that is often forgotten by the women:

1. The financial focus on the cost of college kids
The financial experts agree, one of the errors on the financial arrangements made in the mother is sure to set aside funds for old age for children’s college fund. Usually parents who are caring for children with young age did not have sufficient funds to set aside to fund at an advanced age, but continue to force myself to pay that much for his kids college tuition.

A heavy financial burden is when we must keep parents who do not successfully saving to fund their own retirees. This is even more distressing than to find cost for their own education costs. Try looking through the eyes of the child. So, for parents, it would be wise if you could spare the funds to take care of themselves in the future and does not charge your life in children. This is not a selfish thing, this is one way you love the child, because you think their interest as well. You do not know what diseases you can get attacked in the future, and you will need funds to be able to keep how much of your own life.

2. “My husband is taking care of financial …”
It is time for women to get involved in the problem of payment of bills, savings, and investment. At least, try to sit down with your husband once a month to find out and learn your family’s financial circumstances. Monique Honaman, author of The High Road Has Less Traffic, said many women do not understand about the financial situation of his family, and this will put itself in a fairly vulnerable position if something happened to her partner.

Suppose, things happen that no thought from the beginning, eg, on divorce, they should know about this sort of information to make wise decisions about the future of their children. This is not only relevant to couples who are divorcing. But for all married couples. For example, when my husband died suddenly, she needs to know the financial situation to be able to think and stand on their own feet, not the clueless and worrying about finances.

3. Frugality by giving pocket money
Pocket money it could save the family finances. Experts say, that this is a good thing to teach children about money, including about learning to save for expensive toys they want. Obviously, you must limit spending money according to their daily needs sufficiently. This is suggested by Karyn Hodgens, founder Kidnexions Kids’ Personal Finance Educator.

When a child has been restricted with pocket money, they will provide the opportunity for children to think how they would want and need toys that they are targeting. Learn to say “no” to children is no easy thing, but still important. Is the duty of parents to educate children to become an independent person, including maintaining their own financial. When you do not give pocket money, you often lose track of how much you spend on snacks the child.

4. Irregular
Untidy house not only affect the health and sanity of mind, but will also be a problem for your finances. “I’ve seen kids use to use the tight clothes with price tags still dangling in the back, using the same books repeatedly, and had to throw a toy that lost one of its share,” said Leah Schneider, organizing consultants, Organize Right Now LLC and author of Growing-Up Organized.

Try to organize the clothes by size so that the child could actually wear these clothes. Only buy clothes when they need a new size for a particular activity, not because the clothes look cute. Buy clothes in the hallway that was discounted, and the stocks to a larger size, so can be worn long enough, take care that his best clothes. Organize toys and books; teach children how to appreciate these items every time after use. This is important, so that these items do not quickly broken, and not have to buy again.

Many people who have difficulty adjust revenues to cover or pay the entire cost of living an increasingly complex and high. Freddy Pieloor from CFP recommend a few things below:

There are two common ways of managing personal finances and family, namely:
a. Replenish the income (payroll) received, in the sense of spending should be smaller than the revenue, by suppressing or reducing the cost of living.
b. Increasing the income (payroll) received, if the expenditure can not be reduced or suppressed.

Actually lowering the cost of living expenses is much easier than increasing income for living expenses are in self-control, while increasing revenues will involve 3rd party.

Enlarge or increase income (salary) can be done in several ways, among others:
1. Increase the working hours or overtime, both on weekdays and Saturdays. Surely you must coordinate with the leadership of the company where you work, having regard to the existing workload.
2. Looking for extra work you can do on a weekday (Monday-Friday), and / or on Saturday and Sunday.
3. Utilizing a hobby or pleasure you in the days that you went through, such as sewing, embroidery, flower arranging, and writing books.
4. Open a sideline business from home you can do on Saturday and Sunday, like opening a small diner or catering, give lessons or additional training for school children, such as music, mathematics, English, and computers.

There is now quite a lot of books that discuss and explain the various home-based business that can be started and conducted with relatively small capital and can help and give you an idea. However, these efforts should be made without your having to leave work today.

Explore the potential and ability you have and needed by the people around you, and start making an analysis and plan of work or a sideline business that you like and mastered to supplement your income.

Congratulations arrange and obtain additional revenue. Before and while planning gain extra revenue, you should rearrange all of your expenses. Thus, you will get two greatest benefits to your financial management.

Use of credit card can be analogy like Mercedez Benz chauffeur driven style of a mini metro, so financial planners. This payment instrument true traffic transaction can help you if you truly understand the benefits of “vehicle” is. But if used improperly it will distress yourself.

Debt is only suitable if you are disciplined in return. Debt suitable for emergency needs, for transactions in amounts too large if it has to be paid in cash.

To purchase the various necessities of life, we recommend using cash. Use of cash does not generate debt obligations as a means of payment by credit card credit system can also be used to save money, by utilizing various offers savings through credit cards, such as discounts on shopping and petrol purchases Cash back. But you still need for it.

The program will only provide benefits such as optimal benefit and actually gives credit cards promise savings when ridden like your own cash. Not much money that if we use later to be returned with interest.

Who would not want to live in prosperity, free from financial problems? You can accomplish this through financial planning which starts from first personal finance. How?

1. Automate your savings

Do not save at the end of the month. Select the early months so that cost savings are not discharged by fitness, party, shopping, etc.

2.Plan ahead

Create a table 5-10-15 or 20 years to come, including buying a car until the child’s education. It will be seen years where that requires a large expenditure, to be repaid from the current

3. Financial Planer

They are consultants who will be able to open your eyes and show in level decent lifestyle where you live.

4. Investment Diversification

It is better to invest in various forms. If the price falls from one another investment is still prevented.

The Upstream Oil and Gas Regulating Agency (BP Migas) said Indonesia’s  crude oil and condensate production so far had continued to rise. Head of BP Migas R Priyono said in Jakarta on Tuesday that the average oil production until June 2010 was recorded at 960,203 barrels per day.

“The production level increased by 553 barrels per day compared to the average production until May 2010 which was 959,650 barrels per day,” he said.

He said he was optimistic that production will exceed the target set in the 2010 revised state budget at 965,000 barrels per day. Meanwhile, the position of oil production as of June 24, 2010 has exceeded the target as set in the revised budget at 965,449 barrels per day.

For gas, according Priyono, the average production has up to June exceeded the 2010 budget assumptions. Gas production was recorded to reach 8,827 million cubic feet per day (MMSCFD), while the target in the state budget is 7,758  MMSCFD.

Production on June 24, 2010 reached 8,804 MMSCFD. Oil production continued to rise following the cancellation of restrictions on cost recovery refunding and the clarity of the application of Law No. 32/2009 on the Protection and Management of the Environment(PPLH).

In March 2009, oil production was recorded at 954.1 thousand barrels per day and in April and May it rose further to 956,000 barrels and 959,650 barrels.

If you are looking for a new and solid business opportunity, consider investing in the rental business. Whether you are renting scuba equipment or hotel properties, the rental industry, and owning your own business can make you a lot of money. In addition to great income potential, the rental business is pretty straightforward. Some of the more common things to rent range from watercraft and furniture are office or construction equipment. As long as there is a need, you can make money from renting anything.

Rental companies are successful because there are always people that would pay to borrow something than buy it. Sometimes they just need something just one time or for a little while. Renting provides this option. Any product that a customer would rather not have to buy for themselves can pretty much be rented out. The great thing about this business is that both the customer as well as you benefit. They get their needs met at a decent and competitive price, and you get to generate income from lending that particular item out for a specified amount of time.

Starting your rental business can either be done in your own home, or a rented property somewhere. As soon as you have some inventory on hand that you can rent, all you need is a little advertising and then watch your profits go up. Remember that start up costs will be high as you make initial investments in equipment and supplies. These costs vary by the products you plan on renting, but try and find pre owned items that are in good condition to save money.

Keep in mind that prices are standard for smaller items. Most companies charge between 3 and 5 percent of the item’s original value when they rent by the day. If they go by the week, then the charge should be around 10 percent. For monthly rentals, the common pricing is to charge 20 percent of the original value. Keep these tips in mind as you explore the options of getting into the rental business, and good luck. Best wishes as you make your decision.

Growing a small business is tough work. The sales function is a time consuming task with a constant need to fill your “sales funnel” with fresh, qualified prospects on a regular basis. Finding the best qualified leads from your business does not come from a cold contact situation but from building a strong referral business. Discover the the benefits and 7 tactics to drive the referral marketing for your small business.

Referral Marketing Benefits

The business of referrals makes sense for most companies for the following reasons:

1. Referral marketing reduces your sales expenses and sales cycle. With less time calling cold prospects, your small business can focus on customers and their circle of influence.

2. Referrals can build your level of satisfied customers. The cycle self-perpetuates with more satisfied customers referring others to your company.

3. Referrals increase your sales revenue. According to world-renowned sales trainer, Tom Hopkins, in “Sales Prospecting for Dummies”; your closing ratio for non-qualified leads is 10 percent versus a 60 percent close ratio with referred leads.

If the prospect of building the referral end of your business is so enticing, why do so few businesses do it? Because they use the wrong approach in building referrals and have limited success. To ensure your business is on track to building referrals, follow these 7 tips:

1. Set A Target: In business, measure the results to improve performance. Set a clear goal with a time line. Example, 10% increase in referral business over the next 10 weeks.

2. Timing: Conventional sales wisdom claims the best time to ask for the referral is immediately after the close. This tactic is far too aggressive. Give your clients time to experience your service or product before asking for a referral. Ask for the referral at close only if your client is already delighted with your business.

3. Top 20: Not all customers are referral candidates. Find the top 20% that are ecstatic about your business and ask them for referrals. Make sure their network is the type of client you want.

4. Give and You’ll Receive: Give your clients extra service and follow-up support before asking for referrals. When you give willingly to your customers, they will return the favor.

5. Type of Customer: Inform your referring clients of the type of customers you can help. Provide a clear picture of the customer demographics will help your referral marketing.

6. Rewards Program: Provide special rewards to your referring customers on a regular basis. If a customer provides you with 5 sales, offer them something special, e.g. discounts.

7. Thank You: Lisa A. Maini, President of my Marketing Manager, recommends businesses need to establish trust to build referrals. Lisa says, “Create a basic thank you letter that can be personalized and sent to each referral you receive. Treat your referral sources with the utmost of care and you will not only build a foundation of trust but keep hot prospects coming to your door.”

These tips are simple but when executed on a regular basis they can drive your referral business and build sales revenue. Start today and watch your referrals grow.

To avoid fraud in the style of the bank, Bank Indonesia provides tips for transactions via the Internet (e-banking), mobile (m-banking), phone (phone-banking), or even via SMS (sms-banking) that you do run smoothly and not misused other parties.

Before the trap of deception, it is good for you to make sure some of the reason in the field of banking crimes:

1. Telephone Fraud
This mode is usually done with him and told you that you get a reward, the family experienced severe, or expressed interest over the goods advertised. Under it the caller will guide you to the ATM and guides you follow the instructions over the phone.

How to avoid:
First check the identity of the caller. Immediately close the phone and checked for any information you receive. For companies running the lottery in general are not asking winners to transfer some funds to the companies running. If you received a phone call telling me there was the family by accident, do not panic. Equipment check the identity of callers and do the checking. Well, if you put an ad to sell or rent your property, be careful of callers are very easy to agree with the price offered and promised to transfer a sum of money as a sign so.

2. Email scams
There are times when you receive an email that seems barasal from the bank and it looks like the original. In this mode criminals ask you to enter account numbers and PIN numbers. The other way is to create a website address of your bank that seems original but are actually fake website. Usually you will be prompted to enter the number of your PIN number in this website is the reason for updating personal data.

How to avoid:
Never reply to emails that ask you to enter an account number (or user id) and PIN number. Banks may not ask for personal information via email because the bank already has that information. If you go into the bank website to do transaction, make sure your website address is correct and you have the additional security procedures such as tokens, as well as user id and password.

3. Fraud through investment in return for very high interest
In this mode a company usually offers the promise of investments with very high yield. Be careful, because some bids did not meet many of the proven return as promised.

How to avoid:
Ask yourself, is it really fair interest return on investment is very high. Do check the credibility of the company offering the investment. Make sure you’re protected from a legal standpoint before deciding to make an investment.

4. Fraud using credit card on internet
Today more and more shops or merchants that offer products and services via telephone or the Internet with the convenience of paying by credit card. You are only required to mention the credit card number, validity, and three-digit secret code printed on the back of your credit card and the transaction was executed.

How to avoid:
Make sure you understand the products and services offered from the stores or merchants, and understand the terms and provisions of goods or services offered.

5. Counterfeiting of bank call center phone number
Perpetrators are usually made as if you damaged a bank ATM machine and your card swallowed. Panicking unconsciously you will contact a number of false call centers around the ATM machine. Usually the actors will ask for your PIN number and armed with these numbers, the offender will drain money.

How to avoid:
Record the number 24 hours from the bank where you become a customer. Never give your PIN number because the bank will never ask customers PIN numbers.

Effective business networking is the linking together of individuals who, through trust and relationship building, become walking, talking advertisements for one another.
Keep in mind that networking is about being genuine and authentic, building trust and relationships, and seeing how you can help others.

Several major problems stems from the question of money. How to get the money safely, without having to knock the rules or exorbitant interest rates?

Children go to school, college, medical needs, need capital to do business, and a long list of other issues it feels urgent. Various financial institutions are promising a variety of easy to get fresh funds. But not mistake in selecting institutions that match your conditions.

Some institutions sometimes offer convenience at the beginning of the transaction. However, the tail is sometimes difficult. Whether the interest continues to strangle or greater interest receivables from loans. Obviously this is not a profitable option.

Institutions that provide various services, namely Pawnshop. There are various options that can be selected to receive funding according to need.

Here’s a list of products Pawnshop;

1. Installment credit Fiduciary Systems (Creative)
Creative or fiduciary system installment loan is a loan to a small micro-entrepreneurs (within the framework of business development) with the guarantee scheme in fiduciary and loan repayment made through installments per month within 12-36 months janga credit.

2. Ar Rahn Credit for Micro Enterprises (Arrum)
To meet market demand sharia-based business credit, has launched Credit for micro-entrepreneurs Ar Rahn (Arrum) a credit scheme similar to Creative.

Obtaining credit by way of surrender Books Motor Vehicle Ownership (BPKP) as collateral with the loan interest rate 0.9 percent per month, flat.

Credit creation is the modification of old products formerly known under the name Loan Pawnshop Business Feasibility.

3. Sharia Pledge (Rahn)
Rahn is a pledge of service products that are based on sharia principles with reference to a modern administrative system.

Large loans with conventional mortgage / KCA, but differ in the process of capital leases. Islamic Pawn To determine administrative costs paid in advance, ie when the new contract / contract extension Rp1.000 as low and as high as Rp60 thousand for a maximum loan amount to Rp200 million.

Ijaroh tariffs charged Rp85 per ten days of mass deviations for each multiple of Rp10 thousand of estimated goods deposited collateral / pledged.

4. Installment Loan Pawn System (Krasida)
Krasida is granting loans to entrepreneurs mikrokecil
(In the context of business development) on the basis of lien. Dilkaukan loan repayment through installments per month with a credit period 12 to 36 months, and giving discounts for capital leases may be granted if the customer make payment credit simultaneously. Interest is set at 0.9 percent per month, flat.

5. Business Credit Households (Krista)
Since June 2006 has been launched Krista for the women entrepreneurs who are members of business groups. The minimum loan amount maximum of Rp1 million to Rp100 thousand, with a term of 12 months. Imposed a one percent interest, the flat.

6. Non Governmental Housing Loan (Kremada)
Credit was launched in December 2006, given to low income people to build or rehab / home repair.

For the new buildings are given a maximum loan of Rp10 million, while the rehab / perbaikian home loans granted amounted to Rp 5 million. These loans customers nine percent administrative fee paid in advance, and zero percent capital leases. Funding of this product in cooperation with the Ministry of Housing.

7. Pledged Securities (Investa)
Pledged securities representing loans to people with collateral in the form of shares with a pledge system.

8. Noble
Is the sale of gold by the Pawnshop to the community in cash or in installments over a specified time janga. Honor is a product of sharia, which was launched in 2008. In the first year of launch, this product is quite a good response from customers.