Can’t pay?

Hello friend, today I will discuss about why consumer don’t pay bils. This will be my last post in this blog L. Hope this blog help you and useful for you. So there some reason consumer don’t pay the bils. The reason can be financial trouble or other reason.

            One of financial trouble is unemployment. Unemployment is people who don’t work. Unemployment occurs when people who are without work are actively seeking work. So if they don’t work, they don’t have income. But they have spending, like for eat, rental cost, credit, insurance, or anything.

            Next problem is when people ilness. Yeah, when people sick, they can’t work. So they don’t have income. If the illness is mild, its not a big problem. But if the illness need more care and to be hospitalized. That a big problem, you can’t work and you must pay the cure costs. Its not a cheap cost. But for this problem you can use a insurance to help you.

            So what must you do if you can’t pay?. First you can sell something, like jewelry or anything that you don’t need and have a nice price. Second you can borrowing money form your family. I think family can help you in this problem. But not to borrow from moneylenders it don’t help you. Its make your financial getting worse.

           

 

CONSUMER AWARNESS

Consumer awareness is The understanding by an individual of their rights as a consumer concerning available products and services being marketed and sold. The concept involves four categories including safety, choice, information, and the right to be heard. As a consumer we must carefull when we purchase something. We must know that not a scam.

For example is SMS scams. Much people experience SMS scams. For example that message tell you if you get 1 millions, they give a link for a fake information. Then when you open the link you see that your phone number there in that info. Do not directly trust it, because it can be scams. Search information about the truth of that info.

I ever experienced it. That message tell me if I win a car. That message give the link to get the prize. So I open that link, but when I open that link. Its just a simple blog, so I know it a scams. By the way I never follow a lottery or anything. It so suspicious, hahahah.

So form my experience I hope you more careful about something like that. If someone tell if you get a prize even though you not follow a lottery or quiz, careful about it. It can be scamed. Ask the customer service, if they ask to to sent money, don’t do it. It just scam. You can report it to police orthe authority

ADVERTISING

            Advertising is a form of marketing communication used to promote or sell something, usually a business's productor service. Purpose of Advertising is at the front of delivering the proper message to customers and prospective customers. The purpose of advertising is to convince customers that a company's services or products are the best, enhance the image of the company, point out and create a need for products or services, demonstrate new uses for established products, announce new products and programs, reinforce the salespeople's individual messages, draw customers to the business, and to hold existing customers.

            The advertising that I think interesting is AXIS advertisement. In that advertisement they promote their product with unique way. Why I say it unique, because in their advertisement their use comedi. So it’s a funny advertisement. And the advertisement different form the other provider. But the advertisement promote the product well.

This the link of AXIS advertisement https://www.youtube.com/watch?v=JHMzsKepvRM

            Proven if that advertisement is effective, because the AXIS user is increase. Lot people change their provider to AXIS. Apart form these ads, indeed axis offers cheap rates. It makes they can compete with other provider. 

Cars And loans

                One dreams of most people is have a car. Everyone must be have a different desire about their car. Cars can protect you form rain and form the sun. Here I give you some tips to buy a car.

                Before you start car shoping, surely you need a car. Because sometimes people buy a car just to show their style or social status. If your reason to buy a car just that, think again. Next decide money that you spend to buy a car. Surely it not make you distress in your budget.

               

                Next search information about features form some car. Compare the price and features the most suitable with you. You can search the information in internet or you can ask the dealer. Compare the info that you get. Next choose that you will buy a car with credit or cash. If you use credit, surely it not more that 30% form your income.

                Then when you will buy that car choose the dealer that have a good reputation. Read the service contract. And read the buyer guide. Ask the dealer about the care of car. When the car need a service. You can insure your car for the safety. Oke that’s all my tips, hope this useful for you.

                                                                                Credit Card(2)

Hello friend, today I will add some information about the credit card. Before this post I already explain about the credit card, and now I will add more information about credit card. First is APR. what is APR?. The basic definition of an APR: It's an annual percentage rate of interest a credit card holder will be charged on all or a portion of the balance if the full amount isn't paid on or before the due date. So if you pay it late you will pay more than you have to pay.

Next you cant use credit card if your use more than limit of credit card. If your limit is 5 millions each month, so you cant use credit card to buy something if your transaction that use credit card more than 5 milions. You cant use it just in that period. After that period you can use it again based on your credit card limit.

Then don’t think you certainly accept if you want to make credit card. Because you must have a good capital, character and capacity. That factors affects if you want to make credit card. If you not comply that factors, im not sure if you accept to make credit card.

Last  I recommend that your pay for credit card no exceed 20% of your year income. Because it can make you difficult to manage you money. But it just suggestion. That is based on you.

 

Credit Card

A credit card is a payment card issued to users (cardholders) as a method of payment. It allows the cardholder to pay for goods and services based on the holder's promise to pay for them. The issuer of the card (usually a bank) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance.

The advantage of credit card is you don’t need to have carry cash. If you want to buy something you don’t need cash money. You can use your credit card, and it will be added to your bill. But remember to control your spending. If you to often use the credit card, it will be trouble to you.

Next you can get some features like discount, chances to get gift, special promo, etc. Then easy to pay, because the payment paid in installments every month. But if you use credit card, items purchased will more expensive because the interest. It can be 2% until 3% form the price.

For the use of credit card, you must careful to use it. Make the limit of uses and control your spending. Because it will be problem for you to pay the installments.

So that’s for this post. Hope this useful for you ^_^ .

Hello guys

For this time I want to share about the future bank. Yesterday the bank must have a main building to do their operation. They get customers using a salesman. But for now it will be different. There 3 types of future banks, they are: intelegent multi channel bank, the socially engaging bank and digital eco system bank. I will focus on socially engaging bank. The socially engaging bank use the social media to increase their customers and they use social media to get information about the customers like customers expectation, ideas, needs and preference. The customers can get the information about the bank through the social media. One of bank that success with this system is American Express. The American Express last product is link-like-love. American Express link to the facebook, twitter and foursquare to increase their customers..

Buying a Home

            I think everyone has their own dream house. And it must be different each people. If I buy a home, I want design it by myself. Form exterior facilities, exterior construction, exterior design, interior construction and interior design. And now I will share about my design.

            First form the exterior facilities. I want have a garden. I will plant some fruit tree like a mango tree or anyelse so if that already have a fruit I can eat it hehehe. Next I want to build a waterscapes fountain and waterfalls, it can add coolnes. In the middle of garden I want build a half basketball field, so I can play with my kid. And last I  want build a swimming pool, it will be build in backyard and not to big, just a simple swimingpool.

            Second for the interior construction. I will build 2 bathroom, 2 bedroom, kitchen, dining room, living room. For the bath room I want it simple but has elegant design. For the kitchen I want it comfortable as possible so I can enjoy when I prepare a food. Next dining room it will be design like a classic dining room with a  with medium tone hardwood floors and non matching chairs and the long table runner. Last for living room, it will be design comfortable as possible, so if my family in weekend we can gather in living room and enjoy the moment.

            That is about my dream house design. I will give you some tips to design your home. first determine what you wants and you need make list of it. Next consultation with people who has professional in this work. And last adjust it with your budget.

LIVING BY YOUR OWN

            Hello, today I want to share how I manage my budget for living by my own. I am an accounting graduated. I have two job, my main job is an acounting consultant and my other job photographer. Form acounting caonsultant I get 7 milion ruphias and form photographer I can get 2 milion ruphias. So each mounth my income is 9 milion ruphias.

          

            Because I already work so I decide to live in an apartement. So because it I must pay a rent for apartement each mounth. I pay 3 milion ruphias each mounth for my apartement. Make sure cost for rent not more than 40% form your income. Next is food, I spend 1 milions ruphias each mounth for my food. Make sure you can cook, so you not must by food to eat because it will make your spend more. Next utilities, I pay 800 thousand ruphias for gas, electric, water don’t use them excessive. Then transportation, because I use a car so I’m cull  700 thousand ruphias for gas and oil. For the personal item I spend 400 thousand ruphias. And last for entertainment i cull 1 thousand ruphias. So my expenses each mount is 6,9 milion ruphias.

            

             Because my expenses is 6,9 milion ruphias and my income 9 milion ruphias, I have rest. I use it for my saving. It can be use for unexpected needs or by a home, so I not must pay a rent again hehehe. But it will take a long time to buy a home. Or prepare for married or anything.

          

             After end the mounth see your list of expenses, if that more higher than your income you must decrease your expenses. And if your expenses less then your income use it for saving, don’t use it for the things not important. So that’s all, hope this can help you manage your budget.

The Art Of Budgeting

Budgeting is a process to control your money. Some tips to budget your money.

Goal

Before having a very simple budget think of a financial goal you want to achieve. Are you want to have 100.000 dolar in end of the year?, have a car?, do you want to buy a house?. The reason why make your goal is important because by make your goal it will be your motivation to save  your money to achieve your goal. It is like finding an inspiration among it all. And having one is ideal

Track your money

 list down the things that you bought and the income you received. You can list it in a notebook. Every day for a month (I know this is tiring) see to it you get to track everything you buy from groceries. Keep a copy of your bills and take note of the receipts. Having this will let you identify your spending habit and will also dictate your budget. Then subtract your expenses to your income. Crossing my fingers it is positive. That means your income covers your expenses which is good. If it is negative, then perhaps you might want to go back to your expenses and check which ones do you spend more.

Create your budget

After you make a list of what you buy and where your money go, now time to your budget. Limit your spending for what you don’t need. Make your saving percentages, I highly suggest 20% of your income. But if you could go more much better.

Divide the Percentage

The only items you need to divide would be the 20% savings and the 70% expenses according to the example above. The 20% savings can then be divided to investments, insurance and emergency funds. Your call as to how much. Same goes with your expenses. Identify how much will go to your bills, groceries and more.

Sitck to the budget

 If you think you would get overboard with your budget, remember the first step. Rekindle why you are doing the budgeting again. Even if you miss out on something because you didn't spend, always remember that you would be gaining in the end. Keep yourself inspired by looking back at that tangible goal. Replay it when you are in the verge of spending.

Say yes to reward. 

Now I know we are talking about budgeting and sticking to it however, it is always ideal to also give yourself a little reward every now and then. For instance, if you have saved above 20% for the month, why not manage to get your favorite latte. Do not go overboard however with the rewards or you might be exhausting your expenses percentage. Keep it at a minimum.

So that some tips to budget your money, hope this useful for you.

Making Money

Career planning is a process that can help you manage your learning and development.

Career planning process is continous process of:

1.     Thingking about your interest, skills, and preferences.

2.     Exploring the life, work and learning option avaible for you.

3.     Ensuring that your work fits with your personal circumstances

4.     Continuosly fine- tuning your work and learning plans to help you manage the changes in your life and the world of work.

The career Planing process has four steps:

1.     Knowing yourself

Begin to think about where you are, how you are and what you want to be. Once you have questions of that ask you can work on getting to know what your skill and your interest. You can use that information to answer the second step.

2.     Finding out

This step is about to exploring that interest you. Make list of what your interest and adjust it with your personal skills.

3.     Making decision

This step involves comparing your options, narrowing down your choices and thinking about what suits you best at this point in time. And at the end this step will lead you on the option that you will develop

4.     Taking action

Do your plan. Use all your skills, interest and information the world work to make action form your plan.

Preparing the job interview

1.     Research the organization

Search information about organization that you want to apply

2.     Practice your interviewing skills

Practice or simulate your interviewing skills to make you not nervous during interview

3.     Prepare proper clothes and grooming

Make sure you were decent cothes.

During the job interview

1.     Relax

Relax when you answer the question form the interviewer

2.     Answer the question completely and calmly

Answer the question based on your knowledge

3.     Keep your attitude

Show your politeness during the interview

After the interview

1.     Write down notes on how you can improve for your next interview.

I will write about the next interview date, time, place, and interviewer.

2.     Promptly send a thank-you letter to the person with whom you interviewed to express your appreciation for the opportunity to meet with them.

I will reply an email to the interviewer after done my first interview.

My name Octavianus Theo F, I'm student of UNIKA MUSI CHARITAS. I'm a acounting student.
that is my introduce