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 ^^,