In Trouble

By the way, this is the last my post in blog. In the last blog, i want to tell about In Trouble "why consumer don't pay". And i will explain that.

First is Unemployment, each country has an unemployment rate that is definitely different,and unemployment is a person who is try looking for a job but don't get a job at the level of wages applicable.And then is Illness, this problem make people feel won't to not working so they dont have income,this makes them to busy taking care of themselves and do not have the desire to work. Usually occurs in people who are depressed. And next is Overextension, in overextension have some casal, is the poor money management (lock of management the money), emergencies(conditions that will inevitably have to do), Materialism (usually it is more to satisfaction or greed), need for instant gratification (grafication means the desire to want to have, but it's not a necessity). and the last is defectuve goods and services, that problem make consumer not pay, because if defect goods and services it must be people being losses.

And you must know about warnings signs of trouble : you dont know how much you owe, you often pay bills late, you gate a new loan to pay old loans, you pay only the minimum balance due each month, you spend more than 20% of your net income(after paying rent or mortgage) on debt maintenance, you would have an immediate financial problem if you lost your job, the last is you are spending more than you earn, using your saving to pay for day to day expenses.
So, be a good consumer is not late paying and be realistic about what you can afford, and control your financing with your income to be balanced and could keep some of the revenue.If we get a problem, we can finish the problem well.

I think that’s all of my last blog. Hopefully whats is read can be beneficial to you

Thanks ^^, for everythink :D

Consumer Awareness

Welcome back guys..... how are you? i think you're fine hahaa :D

And now i want to tell about Consumer Awareness. In Powerpoint Fernando, first he explain about telemarketing fraud in consumer,there are high pressure sales techinques, insistence on an immediate action, offers that sound too good to be true, a request for your credit card number for any purpose other that to make a purchase, an offer to get your money quickly, a statement that a product or service is free, followed by a request that you pay for something, claims of an investment that is without risk, inability or refusal to provide written information or references about the company, product, service or investment and the last is suggeestion that you should make purchase or investment based on trust.
And there is how to avoid being a victim, Don't be pushed into a decision, request written information about organization and product or investment, don't buy anything on terms you don't fully understand, request the name of the federal agency by whom the him is regulated or registered, investigate the company or organization,find out about refund return and cacellation policies, don't believe testimonials you can't verify, don't provide any personal financial information, and the last is if you must hang up.
This is explain about Consumer awareness, when we go for shopping and gets cheated, we want a remedy, we are treated as peculiar creature in the market and told that they are selling the same goods to everybody and only we are the person aggrieved over that. So we have that odd man feeling and wants to cry "purchasers beware". It is only by gaining more and more support we can receive better goods. By teacher others our position as consumer will improve.

I think that’s all of my blog. Hopefully whats is read can be beneficial to you

Thanks ^^,

The Influence of Advertising

Now I want to tell about The Influence of Advertising.In the explanation powerpoint Maychella, advertising is a form of marketing communication used to promote or sell something, usually a business's product or service. In advertising have a common advertising techiques used. First is Information,an obvious reason for advertising is simply informing people of the existence of products they might be interested in buying, Second is Status, associates product use with those who have status, who are sucessful, and who enjoy understand the "fine things in life".Third is Peer Approval, is a techique used to make the audience feel that in order to be cool and accepted by your peers, you must buy the product. Fourth is Physical attraction to others,associates use of product with increased physical attraction/appeal. Five is Hero endorsement, a form of brand or advertising campaign that involves a well known person using their fame to help promote a product or service.Six is the Entertainment,associates product with entertainment and feelings of enjoyment. Seven is Intelligent,a technique that implies that a smart person would buy the advertised product.Next is Independence,a technique where the company intentionally targets their product a people who believe that they can think for themselves. And the last is Unfinished Camparison,promotional technique in which an advertiser claims the superiority of it's product over competing product's by direct or inderict comparison.


And there are also some techniques used by sales, first is Guarantees, abundant use of statements such as lifetime guarantee and satisfaction guaranteed, or money back. Second is Scarcity, scarcity appeals rely on the consumer's desire for the product or service and connect to underlying fears of not getting what they need. Third is Perceptual Contrast, if we see two things in sequence that are different from one another, we will tend to see the second one as more different from the first it actually is. And four is a Negative Option, a category of commercial transactions in which sellers interpret a customer's failure to take an affirmative action either to reject an offer or cancel an agreement, as assent to be charged for goods or services. The last is Scientific or Numercial Claims, this kind of ad uses some sort of scientific proof or experiment, very specific numbers, or an impressive sounding mystrey ingredient.

This is a explain about advertising in a branded product.

Indomie Mi Goreng in one type of instant noodles made with Indomie brand by the company Indofood and there are many advertisements that appear on the television from the 1990s until now, advertising that they use not only that, but they made those ads with different variations and can be appreciated by the public. Like artist named Al Ghazali that advertises these products on Television.

I think that’s all of my blog. Hopefully whats is read can be beneficial to you

Thanks ^^,

Cars and Loans

heyyy.... welcome again with my blog... now i want to tell about Cars and Loans...
Maybe every people want to buy a new car, because use the car can accommodate many people, and protected from rain.So, if you want to buy car, you must know about depreciation, interest on loans,Insurance, Regristration Fee, License, and Taxes. And then many question to appear in your mind example , what level of quality do i want? ,what level of quality do I need?, what types of services and repairs does the dealer offer?, Should i wait until there is a sale on the type of car i want?, Should i buy a new or a used car? That's all is question to make you confused, and you will hard to answerb that question, everyone want to have a good quality cars and must need to services and repairs for make the car be comfortable in driving.

And if you want shopping for a new car ,You need to choose which car model and specific options you want, you must find out the invoice price and the true cost to the dealer of the model or options you want, and you must to adjust to your finance so that other needs fulfilled, and next you must to make your offer to as many dealers as possible, so the price is sufficient to your finance. Next compare final sales prices with other dealers and buying services and compare financing costs from various sources, if you done to the comparing you can to choose which you want to buy the cars and if you already have a car, find out it's value independent of the dealer's trade-in offer. Next try to sell your old car yourself and decide whether you need an optional service contract or credit insurance.

Last , if you want to calculate the total cost for a loan you must know how to use APR(Annual Percentage Rate) like a credit limit ,monthly payments,and total finance charge.And how to estimate the total cost of a loan? Amount of the loan*APR*number of years, and To estimate the amount of monthly payments: Total to be paid divided by number of months of the loan. And APR have 6 types of auto insurance , Coverage are liability(40-50% of premium), collision(up to 30% of premium), Comprehensive (about 12% of premium), Medical, Uninsured Motorist, Towing and Labor and Rental Reimbursement.

In the last paragraph I want to give a little conclusion, if you want to buy car or something with a great price you must know how to calculate or estimate the cars , and you must sure to believe in your own choice.

I think that’s all of my blog. Hopefully whats is read can be beneficial to you

Thanks ^^, 

Credit Card

Guys.... welcome again with my blog.... first i hope you are fine with your health. And then i want to tell about the Credit Card, before this I'm already to explain about Credit in my before blog. Now is about Credit card, Credit cards are one of the facilities from banks that easier for customer transactions and you remain rub the credit card and you just pay when the bill arrived. Credit card is a any card that may be used repeatedly to borrow money or buy products and services on credit. Issues by banks,savings and loans, retail stores, and other bussinesses (i take this definition in http://www.investorwords.com/1199/credit_card.html)

Before you get a credit card you must know about Annual Percentage Rate(APR), Grace Period,Annual Fees,transaction fees and the last is balancing computation method for the finance charge.

First is APR, APR is a numeric representation of your interest rate,when deciding between the credit cards,APR can help you compare how expensive a transaction will be on each one.And second is the Grace Period, some credit card companies offer a grace period for new purchases, If you only make purchases and pay off your ending balance each month by the due date,you pay just the amount you owe with $0 interest.However, if you opt to carry a balance on your card, you pay the agreed upon interest on your outstanding balance.Third is annual fees charged by a credit card company each year for use of a credit card. This is a separate fee from interest rate on purchases. While annual fees were once common, they largely disappeared in the '80s and '90s, remaining only on a few clasess of cards, such as secured cards or those that offer airline frequent flier miles as a reward. Fourth is Transaction Fees, a common and costly mistake when shopping for credit card processing services is to focus on a processor's rate while playing little attention to transaction fees. The financial impact of this mistake is especially damaging for businesses with a low average sale amount. and the last is balancing computation method for the finance charge.

Details of all transactions you make will be shown on your statement along with the minimum amount you must pay and the date by which your credit card provider must receive at least your minimum payment.Using a credit card is like getting a loan. Every time you charge something, You are borrowing until you pay it back later that month, or over time. In exchange for this loan, the credit card company adds interest charges to your company, in exchange fir this loan, rhe credit card company adds interest chargest to your account,which you must pay along with the purchase amounts.... Maybe thats all my explaination about credit card.... I hope we can control to buy anything with credit card , so we can use the credit card with self-awareness to purchase goods.

thanks all for atention :)

I Think that's all of my blog. Hopefully whats is read can be beneficial to you.

Thankyou ^^

Credit

Hiiii ...... how are you all? I think you are fine with your health. Today i want to tell about Credit.
Credit is the means of payment of cash that can be used by customers in exchange for goods and services who they want.

And next I will explain about advantages and disadvantages from the Credit Card.
What advantages from the use credit card? first is able to buy needed items now like example this, i want came to supermaket for buy snacks and daily good necessities and if I don't have much money, I can buy that goods with my credit card. Next is don't have to carry cash, if u not have bring carry cash you can use credit cards to pay for all your purchases. third is creates a record of purchases, example when i want to buy something, I can make a record first before going and I also not bring the carry cash. Fourth more convenient than writing checks,if you want buy something item, you do not need to write a check again, and you can buy anything pounds. Last is consolidates bills into one payment, when you use a credt card, you can make all your payment in one report, example, if you buy a handphone in mall and you use the credit cards so all your payment was recorded in a report.

And now i will explain about disadvantages from the use credit card. First is interest (higher cost of items),if you want to buy something items, you use credit card and your incur interest Expenses, example my bill is a  Rp 1.000.000,- but i can pay it is Rp 1.200.000,-. Second may require additional fees, if i buy television for Rp 3.000.000,- and i will use credit card but i get 3% surcharge in my bill. Third is financial difficulties may arise if one loses track of how much has spent each month, if you use a credit card , you must control what you will neededs, so that at the end of the month your salary is not only used to pay credit card. And the last disadvantages is incresed impluse buying may occur, ofthe happens, when you are constantly using your credit card you can not control impluse buying and your credit report to swell.

And in the credit card have a 3Cs, first is Character, if u have a poor credit and you money not much, you can rejected by the bank.Second is Capital, if you use the credit card to much and you can not payback, you can entry the blacklist in the bank. Last is the capacity, you must to get a salary and you can pay with 20% your salary,and you will get that item with your finance.
In the end,I will give you solution to use the credit card. You must control yourself to buy anyhing items, and your salary can you save in the bank for your future.

I Think that's all of my blog. Hopefully whats is read can be beneficial to you.

Thankyou ^^

Banking Services

Hey Guys,,,, Wellcomeback again :p... buy the way i will tell about 3 type or model banks first is Intelegent Multichannel Bank, second is Sosially Engaging Bank, and last is The Digital Ecosystem Bank. But i will explain about Sosially Engaging Bank, so i will start :)

Sosially Engaging Bank example, a agent of bank to get new information from the central bank and next agent of bank informing to custommer and agent must promotion on social media ,so customer will know about new information, agen can share by facebook or tweeter etc.So Sosially Engaging Bank is use social media to incrase customer get a new information from bank about customer expetation and preference.

Like example about The American Express have several social media including link, like ,and love. American Express 30% increase  in sales from 2009 to 2010 they use facebook, twitter, and 4square.
Social media has become an important tool for costumers,waiting to share experiences,connect and learn more about different company and their product.

I Think that's all of my blog. Hopefully whats is read can be beneficial to you.

Thankyou ^^

Buying A Home at

Hello... welcomeback again with my blog, now i want to tell about Buying a Home and i will buy my dream house in the future.First i'll explain about my exterior facilities in my house.i want to make a karaoke room in my house,because i want to sing with my family together and it can make a more harmonious my family relationship.But i make that room in a small room ,not big room because it can be saving my place. Next, i will make a garden in behind my house,i'll make a garden full of lawns and fountains,so that the garden looks more beautiful and i will have a dog , so i can play with my dog in the afternoons day.And last i wanna make a meditation room, to make a tranquility and exercise patience in my life, so i can live in peace and relaxing self hahaha.....
.
Second, is my Interior construction, first i will make a 3 bed room in my house, 1 for me and my life , 1 for my child, and 1 again to guard if there are guest.And in my bedroom ,i will design my bedroom like a cloud in the sky hmmm maybe like ceiling clouds picture.Next i will build 2 bath room, so as not to wait for a shower each other between people at home.And next is a kitchen room,for my wife cooks and eat together with my family.Last, i will build a family room,to meet each other and share a story with my family.
I wish my dream house reached in the future, so I can live with my family be happy until the end.I will make a this dream house in 5 years from now.

I Think that's all of my blog. Hopefully whats is read can be beneficial to you.

Thankyou ^^

Living In Your Own

Heyy Guys..... Welcome back to my blog again... this is the fourth meeting in this blog, now i want to tell about Living in Your own. So i will share about my budget in my life and how I manage that. But first, I must estimate the payment in my life,so that all the needs in daily life can be fulfilled all.

Hmmm.... Like most people, I used to daydream about winning the lottery or, more precisely, about everything I would buy a motorcycle, a car or big house, maybe I will open my little bussiness. An Apartment would be a miniature house of my own, I decided just like living at home but without the restricting presence of parents. Now, my job is a accountant in a company with a salary of Rp 8.000.000,- per month and totally income per year is Rp 8.000.000,- x 12 = Rp 96.000.000,-, but I have spending that is equivalent to income.But i will estimate spending in my apartment.First in my apartement, i need a Television(Rp 1.000.000,-),AC(Rp. 1.000.000,-), bed(Rp 1.000.000,-) ,wardrobe(Rp 500.000,-) table(Rp 500.000,-) and total cost is Rp 4.000.000,-.

Next is my my budget in daily needs. First in foods, per month I can spend the money of Rp 1.000.000,- for foods. next in vehicle, I spent Rp 1.000.000,- per month to buy gasoline motors and cars. For quota handphone and telephone deposit i spent Rp 200.000,- per mounth, Utilities ( Gas,electric,water) i spent Rp 300.000,-. Next in clothing I spent Rp 500.000,- And the total is Rp 3.000.000,-

So, total needs in the apartment and in my daily needs is Rp 7.000.000 for first month ,and my income first month is Rp 8.000.000,- ,so i have Rp1.000.000,- for saving the remaining money in the bank.

I Think that's all of my blog. Hopefully whats is read can be beneficial to you.

Thankyou ^^

English class II

                 The Art Of Budgeting

Hellow.... Welcome back to my blog Calvin...
Today i want to talk about budget in my future.Yesterday Fanny and Vanesa already talked and explained about the budge in their life and now, I will explain about three goals in my life

First, in my financial goals, i will save money for buy a house about Rp 300.000.000. I buy a house so that in the future my family intertwined with harmony and no longer ride with parent or my brother.
About in at the age of 28-30  that is my target for achieving that goals. I want to make a happy life in my family, especially for to boast my parents for letting me be born  in this life. I always dream,that i want to be seen as a public good in a manage.

In the second, in my educational goals, I will take and continue to get my S2 degree. Before that, i'll work for pay my magister of second economic. And i want to open my own venture capital. I hope in my college now, must be going well for parents proudto me.

In the last goals. Is about my recreatonals goals , i want to go to Taiwan, why? Because i will go to there with my parents to visit Buddhist Temple or Fo Guang Shan. Because there is cold.

Okay thank.you

See you again

English Class

Hellow All....

My name is Calvin Glarensia

I'm 18YearsOld

I'm born in 28 January 1998 at Lubuklinggau,South Sumatra

Now I'm studying at Unika Katholik Musi Charitas Palembang

Majoring in Accounting

Welcome to my blog ^^,

Saturday, March 5, 2016

Making Money

I've just begun to summarize about making money from yesterday's presentation.

Are you know about making money?? ..... 

Making money is the process we can get money by work and running a business, Making money is always fun. Losing money is never fun. If you want to make money, and if you want to have fun while doing it.

So this step for making money from of a job, this step's from presentation Yenny 

Step 1 Research who your application letter needs to be addressed to.

Step 2 Review the job description of the position.

Step 3 Format a formal letter with your contact details and the date displayed in the top right-hand corner of the page.

Step 4 Address your letter to the correct recipient, introduce yourself and explain which role you're applying for.

Step 5 Describe your education and employment background using the examples you've matched to the job description.

Step 6 Close your application letter by reiterating your keen interest in the role and mentioning that you are looking forward to an interview. Sign off by writing "Sincerely" followed by your name.

How to prepare for an interview a job:

1.Conduct basic interview research

To prepare for an interview, find out as much as you can beforehand

2.Learn about the company online

Do some fast research,which will give you something to talk about in addition to the job description.

3.Think of some stories

Be ready  to answer typical interview question with a story about yourself. To prepare,write down and memorize three achievement stories.

4.Pich your outfit, and go to ed early

Lay out your interview outfit the night before, get a good night's rest,and always get an eraly start. The last think you want is to waste all of your interview preparation by arriving flustered and panicked because you couldn't find a parking space.

The career Planing process has four steps:

1    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    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    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    4. Taking action

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

During the interview :be on time,we must be relax and believe yourself if you can do it,and answer completely and calmly, ask question to help you better know the organization, and next ask when you might hear from the organization

After Interview : 

First, shake hands with the interviewer and exchange pleasantries so we can try to invest some feeling into the handshake and pleasantries, even if you think you bombed the interview. Second send a thank-you letter to your interviewer because now is a good time to thank the person you interviewed with, even if it's just a formality. Third follow up with the interviewer at the appropriate time, you should have received some information about when you could expect to hear back from the employer.

We have to practice the interview, making people smile and respect us, and we have to come early before the interview begins. so we must be a good employee.

Thanks.~~~~