Monthly Archives: May 2014

Role Of Brokers Investment Success

Business-InsuranceThe existence of a broker or brokers in trading activity of shares on the stock exchange is an absolute thing. Investors will not be able to buy and sell shares or if no broker for stock investing always require the services of a broker. That rule.

Therefore, the existence of a broker is always inherent in the activities of buying and selling securities. But, it must be remembered, brokers here are not individuals, but a company that is engaged in the service of buying and selling securities or brokerage that employs people who have a special license as a Broker-Dealer (WPPE).

Indeed, not all investors indulge brokerage firm with charming facilities. For investors whose orientation on transaction costs (transaction fee) are cheap, they tend to invest in companies whose securities the standard amenities. This is usually done by small investors who like to trade quickly on instinct.

Investors like this are very active in buying and selling, though not supported by abundant capital. While large investors, institutional or foreign investors, they usually prefer a brokerage firm that provide complete facility. Large investors usually trade on the basis of rational and fundamental.

They are very reference to the results of research. Large investors are always looking for a reliable broker, the broker who has good research division. Not a few investors who are loyal only because of the research products produced securities firms. If the research results and recommendations are often inaccurate, rarely misses, then he will be approached by investors.

The lower the error rate of the recommendation, the more reliable the company. Recommendations like that would be obtained from the results of adequate research. Through research results, investors can determine the trend of the sector of interest. Thus, investors can predict investment results.

To get the recommendation of adequate research results, investors should be willing to pay extra. The extra cost is reflected in the high transaction costs levied by the brokerage firm. Brokers that provide complete facility, could levy a fee of about 0.3% to 0.4% for purchase transactions and 0.4% to 0.5% for the transaction, including tax.

While the transaction costs specified brokerage firm providing services with the usual amenities ranging from 0.2 to 0.3% for purchase transactions and 0.3% to 0.4% for the transaction. Although the brokerage firm that has a complete facility was allowed to charge higher transaction, not all investors can be served.

They are usually too picky investors. If the brokerage firm generally investors can trade with a deposit of between Rp20 to Rp30 million, not so great on the broker. In order for investors who entered not in vain, the deposit requirement is also not arbitrary, worth hundreds of millions to billions of dollars.

Apart from all these services the differences, similarities in the companies is the proximity effect relationship with the customer. Perhaps even in the capital market can be said that the firm effect is most closely associated with the investors.

Arguably, the securities company is the representative investor in stocks. The brokerage company is also the first source of information for investors. If any issuer corporate actions, the first source of information is so reliable investors are a brokerage company, not the issuer.

Because of the proximity, preferably before investors choose securities companies need to consider several things, such as how big securities firms that put the interests of investors, independent, maintain customer confidentiality, and not oriented to a fee (not encourage customers to buy their own shares do not believe would benefit ).

Brokerage good, in providing investment advice are usually based on well with strong reasons and rational, calculating. If only all of the securities company’s mission is to develop local investors, it could be a growing number of investors will be faster and the value of transactions in the Indonesia Stock Exchange can be shot again.

Five Steps Set Small Business Finance

Ignoring the same financial problems when dealing with suicide. Therefore, in the business of determining the financial success of a business.

In the financial system you will have the data for the company’s activities in the past. What you do and what you produce can be reflected from your record. Not only that of the financial system anyway you can make decisions and policies in the future.

The problem is often the small business entrepreneurs have limitations in understanding the financial system. However, if you understand well, small business finance you may run with fairly simple.

Here are some steps in managing small business finances.

Create a separate financial

Often small businesses do not separate their personal finances with business finances. The reason is because his business is still small, so it is not complex. But this is a fatal error. So for two separate accounts, if you need an injection of funds to take with a certain percentage of the capital. Because when you buy your individual needs with the business money, then subconsciously money your business will be eroded and depleted.

Use a third-party

If you are not sure you are able to manage your finances well, but involve a third party in your control. The existence of this third party will be an option for your supervisor to reduce the risk of errors.

Take the time

When you run a business, sometimes pushing yourself so strong to sell and produce. However, sometimes you ignore the administration and finance. Yet all of these are pillars of the business.

Do not ignore all expenditures

Do not you underestimate the operational costs. Although it is just buy a dish for guests, or just buy a pen. You buy it with money, and effort for the benefit of the business, so do not forget to note. From here you can see the post is there any excessive costs or shortages.

Do not ignore income

Your small business alive and thriving of income. If you sell and continue to sell but you forgot to charge, of course post your income will be destroyed. So do not ignore this post because the life and death of your small business comes from this post.

Crucial Role Assistant for Entrepreneurs

peopel-in-a-business-meetingEntrepreneurs should keep their minds table and as free as possible from routine problems. A good personal assistant is needed.

Ken Davenport is a Broadway producer. When he was first starting his production company, he worked out of his apartment, but then managed to develop it. It’s starting to make him unable to do his best skill: dreaming of new projects and promote the company.

“One of the biggest challenges that must be faced by the entrepreneur and the founder of the company is to find a way to continue to keep the creativity that started their company, as was done in the daily routine in running the company, the more weight to keep the creativity. good assistant can save your time every day . Every minute saved can be used for new projects and maybe, a little bit of time to relax. Conversely, a poor assistant could spend your time. Do not skimp on choosing an assistant. Get someone experienced.

Vanessa Cameron is the chief executive of the Royal College of Psychiatrists in London. His role required him to do a lot of traveling nationally and internationally, and he relied on assistants to coordinate personal notes and itinerary. Not only that, he also relied on as a trusted personal assistant, might be the only person in the company who will give an honest opinion and understand it well within moments eg Cameron is under pressure or using the wrong tone in communicating.

“My personal assistant is my right hand. He is someone that I trust. I can fully rely on loyalty but more importantly he knows that he always tells the truth about me, not tell me what he thought I wanted to hear. He also will tell me when he thinks I’m doing something wrong. It will change my mail if I use the wrong tone, such as too aggressive, too apologize, or if the reality is different … He knows when I am under pressure and react to it. “

The role of an entrepreneur as a leader is to direct and guide the company, not the set. One of the main skills that owned a successful leader is the ability to choose the things that become the center of attention, rather than controlled by a personal note. Good personal assistant can be given the responsibility of making important decisions about what is important and not important to the focus of attention and time of the leader. They can also take care of many details that take time and can help leaders in the delegation of tasks to other team members. Good assistant can provide comments about the behavior of a leader with the objective. It is impossible to have a relationship like this with other team members.

Wise Use of Credit Card

credit cardThe use of credit cards as a means of payment has been used. How to get it fairly easily. Using it wisely can make a credit card as your financial helper. However, if not careful, your credit card can make a great debt that will destroy your finances.

Credit Card

Credit cards were first introduced in the 1920s in the United States. At first people called as plastic money. Later plastic money or credit cards attracts the attention of people all over the world.

Then, in 1985, introduced a credit card with an exclusive holographic sophisticated. Hologram on a credit card is made with a visible laser beam three-dimensional shape. In addition, the credit card given other security features, including special codes in the magnetic lines to form a sign behind the invisible visible under ultraviolet light. There are also credit cards are given the image. The goal is to avoid fraud and misuse of credit cards.

Although using credit cards more freely and easily, but to remember is to use the same credit card you owe. When buying something, you do not need to spend money but enough to swipe a credit card. Purchase transactions are conducted within a period of one month accumulated a total bill to be paid. On a specific date each month to the maturity date which is later than the date you paid the bill. Previously, invoices will be sent, which contains details of the date of the transaction, the total bill and the minimum amount to be paid.

Benefits of Credit Cards

Credit cards will be very useful in times of emergency when we do not have the cash. For example, when I had to pay the hospital. Credit cards give up to one month grace period for repayment. So if we do not have cash, we are still able to pay the hospital fees and credit card bills paid after receiving a salary or if we can have payments for some time.

By the time you have to transact online, one of the most popular payment is by credit card. Another benefit is when you have to go somewhere that is not wise to carry cash.

You can also take advantage of the promotion of the credit card to get discounts at a particular restaurant or while shopping at a particular place. If the purchase is important and necessary course you will benefit from discounts obtained. But this needs to be examined properly. If not, it would be wasteful to make us buy things that do not need or dine in a restaurant because they are attracted to the discount given.

Dangers of Credit Cards

Because of its simplicity and no need to spend money when we buy something, we are often too busy to shop regardless of how much total money that was spent. Moreover, because it does not use cash, making the total purchases do not seem large compared with the cash shop. We seem to still have a lot of money because of unused cash.

However, if you do not pay in full the total bill then the danger await you. You are able to pay the minimum amount which is usually 10% of the total bill. However, the difference will be counted as a debt to be paid with interest the very large. As a result, the total to be paid would be enormous and will continue to bloom, so the amount to be paid will become swollen.

If you have not paid for some time, the bank will bring in debt collectors who will violently force you to pay the arrears. Many credit card users end up having to sell his property to pay off debts that swelled due to interest on credit cards. Need to note, that most credit card interest rates than other types of credit.

Credit cards are also often used in fraud. Someone or some institution might fool you with various ways to get your credit card number. Furthermore, they will make a purchase or making money with your credit card number that will be charged to you as the owner of the credit card.

Wise Tips by Credit Card

Flexibility and variety of benefits offered by credit card partially offset by the danger of either temptation to buy and live beyond the capabilities. There was also the danger of abuse and credit card fraud. Given the danger behind the use of credit cards, then the wise thing what can you do?

Do not have too many credit cards

Having many credit cards will cost you to pay annual dues and make you tempted to spend more. A maximum of 2 credit cards a must-have. When you have more than that, you should immediately close the other credit cards. Considerations in choosing a credit card which will be maintained including interest rate credit card, credit card limit and benefits offered by credit cards are actually useful to you.

Allocates funds for credit card

In preparing the budget, enter the maximum amount of funds that may be used by credit card.
Noting purchases using credit cards
With a record will help you find out how much you should pay so that will help you ‘put the brakes’ next purchase. These records can be matched with invoices to determine whether you actually make the purchase.

Try to always pay the full bill

This is useful so that you are not burdened by the enormous interest. Do not be tempted to just pay the minimum bill. If you already have a mortgage or credit card debt, prioritize earnestly to immediately pay off your debt by being more efficient. For example, by reducing the visiting cafes, the mall or eating out. If you are boarding or rent a home, consider whether you could move somewhere else cheaper.

Avoid using credit cards to withdraw cash

Credit cards can be used to withdraw cash at an ATM, but it is not free. You have to pay interest on the cash withdrawal value even higher than the rate for purchases.

Beware of credit card fraud

Standby credit card fraud increasingly diverse either by phone or the Internet. So, keep careful not notify the credit card number, date of maturity, or other information to an unknown person. Do not lend your credit card to anyone else.

Do not let your finances get worse with credit card debt. Use your credit card wisely so that your finances remain strong.