# Monthly Archives: November 2014

## Simple Tricks to calculate ROI

Calculate return on investment (ROI) is one of the many methods of calculations that must be applied in business. Calculating ROI allows businesses are able to set the amount of revenue from the investment of money or other resources.

According to the explanation from Wikipedia, the ROI or in the Indonesian language is named as the return on investment is the ratio of money gained or lost on an investment. The size of ROI relative to the money invested and is commonly expressed in percentage instead of a decimal system.

ROI is also known as the rate of profit (rate of profit) or the result of an investment at this time, past or future predictions. ROI does not indicate how long the investment is managed. However, ROI is often expressed in terms of the fiscal or calendar year.

It could be concluded, ROI mostly used by a company to compare the results of the investment, ie how much is earned or how many are missing. The comparison is not easy when using the monetary value.

Then how to calculate the ROI with simple techniques that can understand a lot? Here is a trick to calculate ROI with a case study according to eHow.com.

Suppose ABC company invest Rp1 million for promote their products through advertising. From the advertising campaign, the company ABC attained phone feedback in the form of 150 of which 50 of them are interested to purchase the promoted product. Total sales were obtained at 5 million. Well, a mathematical equation to calculate the ROI is as follows:

= ROI (return on investment – the initial investment) / investment as x (100)

Guidance

The first step is to calculate the ROI is the return on investment as describe, in the case study above is the total sales of 5 million.
After that, find out how much initial investment. In the case of ABC company, the initial investment in the form of investment that is used for an advertising campaign that is Rp1 million.

Now do the calculation using the formula mentioned above. ROI = [(5000000-1000000): 1,000,000] x 100
The result is 400 and when expressed as a percentage to 400%. That figure means that ABC company has a return on investment of 400 percent

## Get rid of prestige, Start Doing business from garage

On the condition has not been used or even no longer in use, you can use this space for other needs. In fact, the garage could be additional family income. Needless to prestige, consider doing business ideas utilizing this room:

### 1. Online shop

Online shop or online store is the kind of business that requires little capital. You do not need to rent a shop or pay the electric bill, because you need enough to organize a computer or laptop in the garage and maximize the lighting in it.

### 2. Service delivery

Delivery service is one of a growing business as more increasingly prevalent online shop. Not surprisingly, the two go hand in hand because the automatic merchandise must be sent through this service business.

For those of you who have the expertise to bake, or just snacks like chips and pastries, there’s no better place to sell other than in your own home garage. Guaranteed access to a neighbor you feel the delicacy of homemade cakes will be easier.

### 4. Laundry

Without mention, you actually have a lot of laundry business which is now seen scattered in housing complexes. Only with automatic washing machine and implement satisfactory service, customers who come surely flock.

### 5. Salon motors

In addition it is a place to park the motor, but what’s the harm if the motor of others to feel special treatment in your home garage? Motorcycles with the smaller size of the car lets you freely provide care in the garage.

In addition to the above five business idea, of course there are many other activities you can do in the garage for the sake of making money, started a book rental, small cafes, distribution, up to a beauty salon. Well, why not from now just to maximize your home garage.

## Tips to Keep Your Brand Reputation

In this globalization era, as an entrepreneur, you are required to continue to increase the prestige of your brand. If not, you can build a brand may be eroded by another company’s brand. To find out how to maximize the prestige of your brand, consider the following information, as reported by Forbes.

### 1. Authenticity

Need strategy to produce a brand that can attract the attention of consumers. The uniqueness and the originality is indispensable here. You can not show what is common in the community.

### 2. Reputation

The number of emerging social media is one way to increase your brand’s reputation. Attach your brand logo on facebook for example, and the capacity of your customer comments.

### 3. Response

Customer response, both positive and negative, can be a great idea to put back into your business brand concept.

### 4. Interact with customers

The idea to establish communication with customers about the products they purchase will create a romantic relationship between the company and the consumer. This is not only more aware of what the market wants, can also get closer to your brand with the wider community.

### 5. The best service

Consumer is king, and every brand should be embracing this. Everything good customer feedback is collected and considered. Do you have a mobile service applications, call center, or live chat feature as a container, the main focus should always be on what is best for the customer.

Innovation should always be done to increase the prestige of your business. Hopefully inspire.

## Small Business Should Have a Company Logo?

Perhaps you realize that most of the small and medium enterprises run without having an appropriate company logo. When asked why not design and embed a logo on the company or its products, the entrepreneur is then argued, do not have time to deal with things as trivial as that.

To be honest, this is unfortunate, because in our opinion, when compared to a large business entities, small and medium enterprises is far more require a company logo. And, we will explain why.

### 1. Representation

A logo has the same role with the owner or employees of the company, which is to help introduce the business or business to the general public. In commercial activities, a company logo has the same role to promote businesses and business, not unlike the owner and employees.

### 2. Recognition

For a small business, a logo perform the same function with the brand. Commercial companies immediately recognize a brand; as well as customers, creditors, lenders, bankers and other business actors. A successful small business requires the right logo; Rather, to be successful, a small business requires the recognition gained from a good business company logo.

### 3. Identity

A logo for small and medium enterprises is basically an identity card or passport. He lived only shows the logo and will soon find a loophole to get into a lot of places. In addition, the logo will always be connected and can not be separated with the business, corporate identity as well as employees who are members in it. Therefore a lot of factors involved when creating a company logo.

### 4. Projected image

Undoubtedly, a business logo to project an image of a business to the outside world much more effectively than other forms of promotion, including advertising. It is true that you need a logo and promotion to pave the way and steal the attention of potential customers and clients. However, once you reach that goal, and successfully get his attention, then to maintain it, you just need a logo designed.

### 5. Communications

The logo is not just symbols, shapes, or lines and letters, but far more than that. A business logo is basically part of the business policy. The logo can communicate the mission and vision of the company; policy and the workings of the company, up to a commitment to uphold the principles of business ethics. In addition, the logo also conveys the company’s strategy and the intended direction to the parties related to the company (acting).

### 6. uniqueness

Each has a unique logo. Yes, that’s true. But there is something else in the uniqueness of a logo for a small business. A small business with a company logo designed well will stand out among other small businesses, in addition to automatically be able to “grade” to the more established businesses.

### 7. Inviting reaction

Perhaps you’re wondering, what the heck so reaction can be produced by a logo? After all, every day we see hundreds if not thousands of corporate logos. So, what caused the reaction fuss logo for a small business? Eits, make no mistake. For a small business, a logo can establish a sense of attachment, respect, positive emotions, and a rational calculation until invites audies to think, “I think we need to try the products offered by this company.” It is also discussed in the article on 5 reasons your business needs a company logo.

### 8. Beyond the time

Most of the company’s logo can be aged longer than their creators and / or users. In the case of small businesses, it is very important, because the name of small business, there is always a possibility for a change of ownership or even out of business. However, with a good logo design, the company will still be recognizable community, even though the owner has not the same person anymore.

So, still think small businesses do not need a company logo?

## 7 Tips on Investing for Beginners

Various searching looking for additional income other than regular salary. If you do not have much time for a side job, you better start thinking of seeking investment.

Investment can be done in a variety of instruments, ranging from bonds, stocks, gold, and others. Look for investments that approximately yields (yield) is higher than the annual inflation rate.

Do not let more of your money in the bank just because the longer will be depleted eroded by inflation. Moreover, in today’s entire relationship savings bank providing a very ‘economical’, well below inflation.

Which may be useful to get you started investing. These tips are not confined to the few investment instruments, but as a whole:

1. Invest in the right moment

The first key to successful investing is to know in advance that such a life, the economy is also running its own cycle. Much like the season that runs almost stock every year, as well as in investing.

If you go at the right time in the cycle, then the money generated will be more. One way to see this cycle is still in its early stages or already peak, or even decline will be discussed in the last point.

2. Determine the cycle that fits you

The second key to investing is to know the cycle is in progress. For example, financial cycles in the US who’ve triumphed early 80s to late 90s are over, now they get into the cycle of commodities, such as steel, crude oil, oil and so on.

3. Observe each cycle, select the best

The third key to successful investing is when observing cycles each investment instrument, you can choose which one is ready to cycle uphill. For example, if in the US are currently entered in the commodity cycle, steel could be the most sexy. Now the steel is starting to fall and gold ready to be replaced. If you look at this cycle properly, then it is time you go to buy gold immediately.

4. Find an investment instrument that you control

The key to successful investing is the fourth in choosing investment instruments that you control, even better that you like. There are several options if you are going to start with a capital investment of less than USD 10 million.

• Mutual Funds, namely the container and the pattern of fund management / capital for investors to invest in a set of investment instruments available in the market by buying mutual fund units. These funds are then managed by the Investment Manager (MI) to the investment portfolio, whether it be stocks, bonds, or money market securities / other security.
• Purchase of shares in the capital market. By going directly to the stock market, you can have a stake in the companies that you want, just pointing professional broker then you can immediately start. Cost (fee) for the broker is not too high and you can easily diversify to reduce risk.
• Precious Metals. By buying the metal started, for example gold, you do not need to bother tothe care of. Stay left alone then the price will go up. But, in the midst of a crisis such as the current price is fluctuating rapidly. If you are smart, you can buy cheap and sell at the time when high.

5. Investment Must Arrested for Long Term

The key to successful investing is the fifth to be held for a long enough period of time. This is done to ward off volatility and risk of loss. The biggest mistake often made investors are always too ready to protect his portfolio, so often panic when the market crashed and took off the entire investment.

In fact, should the investor must be sure that the weak trend that is just part of a cycle that will eventually bounce back, unless it is an investment instrument cycle is approaching its peak.

6. Evaluate each investment trends

The key to successful investing is the sixth in an investor are contradictory, but not against the market. For example, when everyone is take action to buy, you must be a seller.When everyone is selling, you should be a buyer. As Warren Buffett said, “you should be greedy when others fear, and fear when others greedy.”

7. Know the peak of the investment cycle before falling

Seventh or last key in successful investing is to oversee the investment cycle peak before falling. An investment will peak before finally entering a downward trend. Indeed, the peak can not be seen by the naked eye, but there are several features that you can consider:

The yield that you get a sudden speeding, higher than that usually you get within a year. Soon this investment cycle will peak.
If all you know, friends, relatives and neighbors to talk about the results of the investment gains earned in the same instrument with you. The characteristics approaching its peak.

If more people start to quit my job and make a living just by selling shares in the stock through online trading, or become a real estate broker. Examples such as these show the investment instruments that have reached peak cycle, it is time you look for new investment instruments young cycle.

## Investors Wanted personality

There are rumors going around that the investors wrote checks based solely on the possibility of making money. While making high profits is a top priority, there is an equally high priority to enjoy the ride, and it all comes down to personality in accordance with their wishes.

The investors gauge how much they like the businessmen as well as the ability to generate profits.

In addition to matching personalities, the following are some of the characteristics sought by the investor:

• Leadership – Startups need great people and great people in need of strong leadership.
• Perseverance – Startups difficult, very difficult, and it takes twice as long as expected.
• Confidence – With so many unknowns, it is important to have real confidence in terms of the direction and approach.
• Work Ethic – Startup often requires long hours and takes several years to develop a harmonious work / life.

Another way to describe it is that the employer must be tested and canoeing: Are you going to enjoy spending the day with two people in a canoe on a lake open?

## Role of Insurance in Protecting Company Assets

In Protecting Company Assets

We all realize that in this world we will always meet with uncertainty, where the uncertainty that would result in the risk of the parties concerned. The risk arises because of the uncertainty of the occurrence of events / things / calamity that will cause losses, which means that uncertainty is a condition that causes the growth of risk.

In connection with this fact, everyone should always try to mitigate them, that seeks to minimize uncertainty, so that the losses can be eliminated or at least minimized so that life becomes more calm.

From the business / enterprise, of course, we will always try to make a business trip we run healthy in many ways. In the world of sound business management, there is one very important factor and can not be ignored that the management of the risks that exist and that may arise. The basic principles of risk management is to minimize the adverse consequences of the risks that exist and that may arise.

Without proper care and attention to risk management, which is adjusted to the level of business scale, so if there is a risk that can be very dangerous to be fatal to the viability of the business, and even make a business institution that is destroyed.

One mechanism of risk management is the management of the risks that could result in financial loss. There are two methods of controlling the financial risks, which are essentially two ways are to provide / release funds. The way it is with:

Risk Retention, which the company bears its own risks faced by consciously decided not to remove the potential harm to others, but counted as unexpected costs.
Financing Risk Transfer, which is to transfer the risk to the financing or spending certain amount of money to pay for what is called the premium to the other party, namely the insurance company as the recipient of the transfer of risk.

Of both of the above, how many have done by the company because of their efficiency and effectiveness is the second way is by insurance.