Minggu, 14 Maret 2010
affiliate marketing online
Today, both the merchants and the affiliates can see clearly that affiliate marketing online can work for them both. Traders see the affiliate marketing today as an opportunity to advertise their products at a lower cost.
The affiliates, on the other hand, see the affiliate marketing online as an easy way to get online profits by doing what they like most, and it is to create a website.
Just as the popularity of online affiliate marketing has shifted into a higher, so have the people's view of it changed. No longer considered an affiliate marketing today as an alternative method for merchants to advertise its products, or as a source of additional income for the affiliate. For the same merchants and affiliates, affiliate marketing is now considered the main source of profits and revenues.
So the question now is what type of affiliate online marketing will work best for you? Are all affiliate marketing programs the same? Does the same benefits? Or is there affiliate marketing programs that work better than others?
Actually there are various types or classes of affiliate marketing, and the number of species will depend on how people would classify them. The most basic affiliate marketing programs, however, fall under two categories: pay-per-click is known as PPC, and pay-per-performance is known as PPP.
-PAY PER CLICK - PPC
PPC is the most popular type of online marketing affiliate to affiliate with small sites, and probably the easiest way for them to get money. In affiliate marketing type, the merchant pays his affiliate whenever a visitor refers to the site, which is every time someone clicks through the merchant banner or text ads.
Affiliates are paid a certain amount, even if the visitor does not purchase anything from the merchant site. However, typical fees for PPC affiliate programs are small, usually not exceeding a dollar for every click.
- PAY PER PERFORMACE-PPP
PPP affiliate marketing online is the most popular among traders and also the most profitable types of affiliates. In this type of affiliate programs, merchants only pay the affiliate whenever his referral translates into an action that every time a visitor he has referred actually buys something from the merchant's site or when the visitor becomes a lead.
This means lots of savings for dealers. On the other hand, he became the most lucrative type for the particular affiliate, for commissions in PPP affiliate marketing usually comes in the range of 15% to 20% of the actual product sales.
Pay-per-performance affiliate marketing can be more popular online classified into two types: pay-per-sale, known as the PPS and pay-per-lead is known as the PPL.
-PAY PER SALE-PPS
In the pay-per-sale type of affiliate marketing, the merchants pay the affiliate a certain fee each time a visitor who was referred to the merchant site actually buys something from the merchant site.
Affiliates are often paid on a commission basis, although other merchants would opt to pay fixed costs. But no matter what the cost basis, generally higher than fees paid to affiliates on a pay-per-click affiliate program.
- PAY PER LEAD - PPL
Pay-per-lead type of affiliate marketing is a slight variation of the PPS type and is often used by insurance companies and financial and other companies that rely on leads for their company to grow.
In this type of affiliate marketing, affiliate paid each time a visitor he referred to the merchant site or fill out an application form similar form related to the company's business. Compensation for this type of affiliate marketing is based on a fixed cost estimate that the fixed costs in the PPS type.
Besides these three specific types of affiliate marketing, a lot of other affiliate marketing types exist. If the classification is based on the depth of affiliate networks, can be classified as single-tier, two-tier, and multi-tier affiliate marketing. There are also other types of affiliate marketing affiliates who pay each time the customer he has referred purchases something from the merchant site.
- Single-Tier, Two-Tier, and Multi-Tier Affiliate Marketing.
Types of online affiliate marketing is based on the level or different levels in the affiliate network by which payments are made. In one-tier affiliate marketing programs, the affiliate is only paid on direct sales or traffic he has referred to the merchant. All the previously mentioned affiliate marketing types (ie PPS, PPL, and PPC) fall under a single-tier classification.
- In two-tier internet marketing affiliate programs, affiliates who not only pay for traffic or sales that he refers directly to the merchant site, but also on every traffic or sales referred by various other affiliates who joined the affiliate program through recommendation.
Multi-tier internet affiliate marketing works the same way, although affiliates get an additional commission for a wider number of affiliates in different levels in the affiliate network.
- Residual Income Affiliate Internet Marketing
In residual income affiliate marketing, affiliate that is not paid only once for every customer he has referred to the merchant site. Conversely, affiliates get paid every time the customer he has referred back to the site and purchase another product. Compensation for such type of affiliate marketing is based on either sales percentage commission or fixed fee basis.
Different types of affiliate internet marketing will actually work differently for merchants and affiliates alike, and each would generally have their own list of benefits.
Types of internet affiliate marketing will work best for you? This is not really for me to tell. Instead, it is for you to select the type of affiliate marketing program will suit the needs and characteristics best.
Web Hosting business
Lots of ads - ads offering WEB HOSTING services with cheap price, for example $2,00/ month for the space that was big enough, too, 10Mb. With this cheap price you will usually find some limits features, such as unlimited email accounts, does not support the database, no scripts and preinstall any other website. Basically you will be faced with the situation should choose a more complete package with a different price increases as well.
If you want to build a website that supports the database and did not want to bother with the limited number of email accounts, then you have to pay a minimum monthly $3,00/mont to enjoy all the features.
Which we discussed above is the type of hosting to share IP technique. Web Hosting Manager is just enough to have an Internet connection, 1 Public IP address and two PC servers (NAMESERVER1 and NAMESERVER2. The share of this IP domains will be virtual using public IP 1 fruit, and differentiated customer accounts in the directory only in mapping the virtual as well. Investment above can be regarded as a small investment, which take into account is the cost of Internet connections that must be paid each month. Usually the web hosting business manager was doing Collocation them to a network server IIX , where they will get a very large bandwidth for Internet access in the local Indonesian (share 10Mbps). For international connections 128kbps small enough (the sooner the better, it's just very expensive.)
Now anyone with IT skills can open a business intermedit Web Hosting. You can find lots of ads in the IT magazines, advertising on the internet a lot to offer Web hosting services with a choice of Windows or Linux servers with a few feature options. The benefits of the rebate purchase domain names and rent hard disk space for hosting customers. More and more customers the more fortunate of course because the cost of fixed location.
For those of you who want to build a business hosting linux server, now has available many tools to manage the hosting, which you can easily create new customer accounts, invoicing, manage email, databases, backup systems and more. Several tools are available for free with the GPL license that you can download and install on your server, as an example:
1. ISPconfig www.ispconfig.org
2. HOST4NET http://www.host4net.us
3. ISPCP http://www.isp-control.net
For your serious and want to build a Professional Web Hosting business, you have to use hosting management software is commercial, there are 2 well known are:
1. cPanel and WebHost Manager (WHM) 11 http://www.cpanel.com current version
2. Http://www.swsoft.com/plesk/ current Plesk version 8.2
Software on the second most widely used on Windows and Linux WEB HOSTING. From both the software most widely used in Indonesia and the world is famous cpanel ,cpanel as rich in features and economical price and cobranding feature so you can change the header into your company's name.
Plesk known very stable and easy and there is no bug when upgrading. Two software provides many features and convenience for customers. Also provides ready-made php script with fantastico tools (in cpanel) and Site application (in plesk). Please refer to the website to view detailed prices and features. Features that are not less important is the reseller management features that allow you to create packages for your reseller that can help your marketing.
For those of you who are not ready to build a Web Hosting business may be able to choose a resellerHosting business. You can enroll in the famous web hosting reseller package provides and start selling hosting to your company's name. On the side of your customers will not know you wore one as a master hosting you can do and ns cobranding name using your name. Please visit our web hosting recommendations www.rumahweb.com (using cpanel) and www.namadomain.com (using plesk) for more detailed information.
Jumat, 12 Maret 2010
Traffic Using PPC Advertising
The good thing about PPC advertising is that you will be able to take control of your monthly ad budget. You can set the maximum amount of money that you are going to spend per month and can rest assured that the money spent will not exceed your limit.
When you advertise using PPC, you can set the amount you wish to pay when someone clicks on your ads to visit your website. In traditional PPC model, the higher you bid for your keyword, the higher the position your ads will get. However, in Google AdWords, there is a measurement called Quality Score, which is determined by a number of factors such as how much you pay per click, average click-through-rate of your ads, and the relevancy of your ads with your landing page.
However, by choosing keywords that does not help the consumers to find what they are looking for will decrease your conversion rate and increase your advertising cost.
It is the fundamental concept of PPC is that everything is traceable, so if a particular keyword is generating huge volumes of rapidly departing traffic i.e. bounces, or any level of poor quality, i.e. non-converting, traffic, your PPC manager should eliminate it as a matter of course.
Click fraud does happen but you must put it into context. We deliver highly effective PPC advertising that gets results, almost always at a far higher level of cost effectiveness and profitability than any other form of advertising. Though the yarns we hear are very entertaining and will always get people talking down the pub, most of what we hear has an element of 'a bad workmen blames his tools' about it.
Can this process be automated using a PPC management tool? Yes there are PPC bid management tools that are fully automated and does rules-based bidding and lets us manage keyword buys to achieve specific goals. A good PPC bid management tool or software can be very convenient and will almost free us from the hassles of bid management.
Many studies reveal that most new PPC advertisers and affiliate marketing entrepreneurs, who are using PPC online advertising search engines to drive the traffic, are including too many keywords per ad-group. They expect to put as many as keywords they can in the ad-group. Some of them dump over thousand keywords into the ad-group.
Compile keywords - PPC ad is about keywords. This will free up a lot of your time to let you try out new products with new markets. Each profitable campaign that you create acts as a separate stream of income and once you get it down, you will be creating income streams that earn you huge money on autopilot easily.
Kamis, 11 Maret 2010
Top 10 Alternatives to Google Adsense
Google AdSense is currently the leader in content-sensitive web-based marketing. Webmasters can place Google AdSense JavaScript code on their web pages to allow Google's servers to display context-sensitive advertising (Google Adwords). The left side of this page shows an example of Google AdSense skyscraper displaying text or image ads.
Google's terms and conditions are very strict as many web can not use adsense ads on their sites. They are one of refusing to join the Google AdSense program, or in a situation that becomes more and more often did not want to do business with Google. Some publishers are also finding their Adsense account is disabled the right reasons beyond their control. The problem is that most of the alternatives to Google Adsense are pretty useless. Most of the good (like DoubleClick) only interested in very large so that the volume of customers and not interested in a little guy with a blog who wants to earn a small income on the side. For this reason I have compiled my Top 10 alternatives to Google Adsense that are ideal for small time publishers.
1) AdBrite
AdBrite, today is one of the best alternative to Google adsense there. Although they do not offer the same choice of ad formats Google AdSense Clicksor and giving them offers the most frequently used one. In addition they offer inline page has relationships with a few clicks through large ratios and full-page interstitial ads that offer a very good way for all the money traffic to your site not only traffic that clicks on your ad. Their payments are also very competitive. They have a more relaxed terms and conditions of Adsense and receive more smaller publishers, including bloggers.
If you are a publisher, use AdBrite to set your own ad rates, and approve or reject any ads purchased for your site or only ever receive auto AdBrite ads. AdBrite enables you to get your visitors to sell ads through the "Your Ad Here" link, in addition to the sale of the market and AdBrite sales team.
Income is usually split 75/25 in goodness. Through a small piece of HTML placed on your site, they handle serving, scheduling, billing, customer service, and sales. About half of AdBrite sales generated from the market and sales teams, while the other half generated from users clicking "Your Ad Here" on your website.
While AdBrite can provide publishers with more revenue and better than traditional ad networks like Google AdSense ads, they work with their good side as a way for you to generate additional ad revenue by selling ads directly to your visitors - something else ad system does not do it. Brite ad also lets you select a minimum price and gives the option to display ads such as Clicksor alternative services when the price falls below your minimum bid.
If you use AdBrite on your website also have the option to disable AdBrite of "run-of-network ads" and AdBrite will only display ads that have been approved by you which allows you to prevent competitors ads from showing on your site. If you do not have ads running, AdBrite will only display the "Your Ad Here" or an alternative provider ads.
Note, from my experience can take one or a few days away from when you sign up with AdBrite and place the code on your Web site really started to see relevant ads appear. So if you see the message "Advertize on this site" just be patient and give one or a few more days and you'll begin to see relevant ads appear.
2) Clicksor
Clicksor is one of the leaders of a small current competition AdSense publishers. They have paid the market upto 85% and not as a number of alternative cost-per-click bid values are high enough to earn a decent income. They also, in my experience, far more tollerant from Google. Terms and conditions of those shows that you just put a copy of their code on the page but as long as you just put a pop-up or DHTML code to their pages seem happy to let a lot of places sensitive to context block ads on a single site.
Clicksor also has greater benefits than lower numbers rank alternatives on this site in their ads really sensitive context. Thus, when you provide keywords they have technology that will also display targeted ads to your site content. This means your visitors are confronted to the same ads as the subject they are looking for when they reach your site so that it is increasing the ratio of clicks through your site so that potential. Context-sensitive nature of complexity should also save your keywords to determine all the sites and decided the people in the face of what might be seeking.
3) Bidvertiser
Bidvertiser can be a useful alternative to Google and attractive offers several ad formats, including what they see as a free design. This can be used to determine the look and dimensions of your text ads. While a useful feature I have not investigated how well it works but imagine that the current good on paper could result in lower voices the ads displayed price. I.e. many advertisers will probably want to keep control of their ad layout and so disable support for the design of free advertising.
Bidvertizer pay you good at adding $ 25.00 to $ 10.00 check or be added by PayPal.
Adjusting the layout of your ad: BidVertiser gives a simple point-and-click tool to help you customize the layout of the ads that are appropriate for your site look and feel, to maintain the high quality of your website. Bidvertizer also offers the opportunity to block unwanted ads. Reports provided by Bidvertiser are adequate but not outstanding. The only problem is that they actually can be picky with those who received them into the program and can be quick to ban users website shows what may fluctuate perfectly valid visitor behavior
4) Chitika
Chitika - The leader in impulse merchandising
Chitika (pronounced chih-white-ka) was established in 2003 and is the industry's leading impulse merchandising company. Chitika was founded in May 2003 and based in Massachusetts. Chitika (pronounced chih-white-ka) helps generate revenue using innovative web publishing and advertising side of merchandising solutions and services.
Chitika does not stand alone as an advertising solution but provides a way to compliment the existing advertising / publishing with a few additional programs that ad unit altogether different from the standard advertising box, pop-unders, etc. everything else is provided. Instead of displaying this 'industry standard' box with advert text and images look all the same that they are not actively providing the box showing the target of various product manufacturers. If you run a blog for example, and discuss the products you can find a link box to display Chitika this product and competitors' products. If people buy this product you get paid commissions. This is referred to as impulse marketing in the form of Premium Ads Unit (eMiniMalls). Feel free to give it a try although I think the ideal use of this service will be as a compliment to other operators advertizers. E.g. You can display context-sensitive Clicksor ads on your site, then compliment this with Chitika's eMiniMalls.
For advertisers and media buyers, Chitika is a proven channel for targeting on-line consumers and qualified buyers. For all publishers, Chitika is an easy to use platform for advertising daily income. If you visit a site that displays ads from Chitika Chitika search engine then kicks premium ad unit to display your specific ad you're looking for - when you can have your ad show an alternative provider, such as adsense, or you can have it go down to show what - what.
Chitika allows you to display targeted products based on what you are looking for people to get to your page and you get paid for clicks. Provide a strong comparison shopping experience for visitors. Visitors will love the interactive search code - and it makes you money
5) AdToll
AdToll paid on CPC basis. They are a big user and the user navigates through the panels are both easy and fun. Available payment via check, Paypal, ePassporte and Wire / Bank Transfer. Also possible to use the income you earn as a publisher to advertise your web site further. Integration among others is something really missing from Google adsense, adwords.
By the latest technology is AdToll Peel Away Ads that show peel technology in the upper right side of the website. When the mouse moves through the peel it open smoothly reveals advert time. This new ad format allows you to make use of lesser used, but very visible from the corner of the web site. It is boring visitors to the site. Since using less space, is the efficient use of real estate sites. Additional plus is that the new ad format is always attractive to visitors curious clicks.
6) Exit Junction
Exit Junction and relatively new, I believe, a spin off from the now defunct pilot income. Revenue pilots have been suspended temporarily, but would Junction Exit from strength to strength. Exit Junction offers a unique approach to advertising that is compatible with all the others, including Google Adsense Ad Network. Key Exit junction are those who focus on display ads to users as they leave the site rather than due to arrive or because they saw. This approach offers a way to generate extra money traffic and also take from the ad revenue stumbled on your site from search engines and then immediately left.
By adding a small portion Junction Exit code to the head section of your site users advert that is displayed as back button. For example, if a user comes to your site from search engines Google and then immediately press the back button to return to the search they will show ads Exit Junction between the Google search page and you get paid for this show. Directed ads for search terms that bring visitors to your site initially. Therefore Exit Junction is an ideal way complimenting the existing services and advertising your site thus increasing the income without having to switch from your current advertising provider.
Exit junction also includes all countries. You paid for all traffic coming out of the site regardless of its origin.
They offer free fee payments via PayPal or Check with income as little as $ 25 per month.
7) Yahoo Publisher Network
Yahoo is playing catch up Google and try to release their own context sensitive advertising services. This promises to be an excellent alternative to Google Adsense but the simple fact that will tend to copy the same terms and conditions limit such as Google, including $ 100 in minimum payments. The system seems to have been in beta for a few years now, might explain why Yahoo as the company suffers. Unfortunately, while you can visit their site and sign up to register for an account did not really expect to hear from them. They are very selective good or not accepting new publishers and advertisers, one way they will not bother even to return to you to tell you this, and most participants will not even receive a reply saying they had been rejected. Thus, to go live and it became obvious type of website owners Yahoo will be targeting I can not place it higher on this list.
Advert wise Yahoo Publisher Network will feature:
* Display ads related to content on your site. You will earn revenue from qualified clicks.
* Integrate other Yahoo! services into your web site, including Add to My Yahoo! (RSS), Y! T and many more to come ...
* This beta program is just the beginning. Our mission is to provide products and services based on the needs of the publishing community.
8) TargetPoint
TargetPoint very service-oriented publisher, you need absolute top of the display of your ads. They provide supervision over ad content. Payments are reasonable but they tend to be quite fussy about the sites will be accepted.
Advert wise Target Point provides:
* Adpoint producing relevant content, ad revenue-evaluated.
* Exitpoint help take advantage of the web traffic capacity out.
* Visual Imagepoint serve ads. Many parts of the world as image ads.
* Underpoint serving pop-under windows.
* Searchpoint (beta) features enhanced search capabilities, which improve the user experience and generate additional profits.
Registration is free and they pay back at least 60% of total revenues is clicked. Payment options include Bank checks, PayPal and Wire transfers (if eligible).
9) FastClick (now known as ValueClick)
At first look FastClick would appear to be one alternative to better than Google Adsense, however, is one of their online advertising company that tends to favor large customers. You'd think companies would learn from the success of Google and accept that the way to make money is to target both large and small. Remember Excite? They went the way of dodo because they only targeted for small firms than 100 guys who can not afford large and there are TV ads for advertising on the Internet instead. Anyway, I digress. If you can be accepted FastClick (now called ValueClick) then you will be able to run some pretty high paying ads on your site, but the smallest of the site owners will find that FastClick just not interested.
Ad wise FastClick (ValueClick) offers an industry average of 65 percent of the monthly payment of all ads on your web site generate income. Fastclick pays by the date 25 months for the previous month check or PayPal.
Formats include:
* Ad Text
* Ad Image
* Interstitial
* Pop-Under
* InVue
10) ClickThruTraffic
Not the best alternative but if you can not be accepted by one of the above you can always try these guys. They claim that you will earn between 6 and 20 cents each time a surfer clicks on ads on your site, but in reality I think you're more likely to see prices of about 0.5c to 2c range. However, do not hesitate to try and see how you can continue. Advert wise they offer text links, buttons and banners.
FOREX TRADING PROFIT
FOREX TRADING PROFIT|FOREX TRADING ONLINE|
Is Forex advantages compared to other investments?
* Without Commission (Forex Trading Online)
* You can benefit even 2 at the market falls or rises
* Forex is a 24-hour market on an ongoing basis so that you have the possibility to make money 24 hours a day. Forex allows you to make transactions 5x24 hours a week, starting Sunday at 17:00 New York time until Friday at 17:00 New York time.
* Forex is the product of highly liquid investments, meaning you can withdraw funds whenever you no penalty imposed
* You can use the leverage multiplier factor / multiplier is such that you use the capital to trade $ 1000 using $ 100,000 to brokers who have the leverage ratio of 1:100.Example: you have the capital to 1 million and 1 million is capital you can get a loan or 100 time, 100 million, then your profits will be far greater than without using leverage is using only 1 million of capital alone
Online Why you need Business Learn Forex (Valas) Online
*In forex, you are your own boss, no longer to be angry at you, telling you to do the job, a boring job, no salary increases as you wish, or even fire you.
* In forex, you can define yourself when you work, how long you work, and how much income you want to achieve
* In forex, you can make money no matter where you are, as long as you have a computer (even a PDA) and connected to the Internet network
* Initial capital is relatively small compared to other businesses to generate unlimited income
* You can make money 24 hours a day 5 days a week
Forex requires a large capital?
forex trading is different from the traditional (offline)..Online trading service providers (for convenience I will call the broker) is usually only require the initial deposit is relatively small (generally around $ 250).While traditional forex brokers require a minimum initial deposit $ 10,000.
Even there broker online forex trading which provides free $ 5 when you register the Marketiva, for more details we will discuss later.
Rabu, 10 Maret 2010
Importance of Insurance Education
Thousands of students every year are forced to leave school and could not continue their education to a higher level.The main reason they put it, is always the cost issue.
Based on data Sampoerna Foundation (SF), approximately 72 percent of children who drop out of school due to lack of educational costs (economy).Other factors may also lead to school dropouts are broken home factor both parents, lack of interest in children to continue their education and also environmental factors.
But economic factors become the main reason many students and parents for not continuing education their child. Especially now, before attending school, the parents are always faced with the cost issues needed for expenses such as school registration fee (registration), fees, BP3, buy textbooks and school supplies in the amount of the child to reach millions of rupiah.
You mean she wanted her sons and daughters of education continues, and managed to have a job as the school and can improve the economic welfare of the family. But what power, the cost for it is not sufficient. For this reason, needed a planning for parents, so that when their child will attend school, the cost for it already exists. Many insurance companies and banks that offer solutions to solve the problem of education costs.Insurance industry to offer insurance education, while banks offer education savings.
In essence, the two products together, but differ on bail (protection).''The difference lies in the protection or security. If the education savings, if the parents die, he is just having the right to take the money savings alone.education insurance, if the parents die, then the insured is getting money from the insurance coverage in accordance with the premium paid,''said Ana Mustamin, manager of public relations for Insurance Republika Bumiputera.
He added that the difference between education and insurance savings lies in the education period.''If savings can usually be taken anytime (anytime), while insurance education can only be taken when children going to school,''said Ana. Ana says, with a take out of education, so parents do not have to worry anymore about the cost of children's education. Parents can determine the amount of sum assured every month. When her son needed money for school, parents can simply take the money which was handed over the insurance. The benefit is very large'',''said Bambang Prasadi Kusumawardhana wife.
Among its benefits, she said, needs children's education costs at a certain time period can be planned early. Thus, while attending school, parents are not confused to think about costs. through education insurance, old people have a guarantee for the future of children, despite the respective dies before the insured pays out,''the woman's birth Bone, South Sulawesi, 37 years ago.
The same was conveyed Bureau Chief of Public Relations of PT Asuransi Jasa Indonesia (Jasindo), Dewi Poedjiastuti. According to this veiled woman, Jasindo insurance - although not specifically provide insurance products in the form of education - a school of insurance products. If insurance is more education on long-term savings for children's education, school children Jasindo insurance is insurance coverage for students or students due to an accident.''For the school children have insurance, simply by buying tickets schoolchildren insurance provided by Jasindo.
The amount of compensation premiums adjusted to the desired compensation,''explained Dewi. He added, Jasindo offers four groups according to the compensation to the amount of compensation insurance premiums. To risk death in the group I with compensation compensation of Rp 3 million, money-per-year premiums of Rp 6750 per coupon.''As for the compensation of $.2 million (Group II), the premiums per year is $4,2 'he said.Insurance benefits of school children, said the Goddess, is to give a feeling of security to parents when their child hospitalized in the accident.
What does your Family Financial Balance
As we have seen that in assessing the health of a company is not independent of financial reporting and ratio analysis is in such financial statements, as well as their family's financial health also requires analysis of the financial statements concerned families.
Financial Statement Analysis
Previously we have talked about the financial statements and reports income flows of cash from the family finances, now we'll talk specifically about the family's finances.Actually, what the hell tuh financial balance family and what information can you conclude through the analysis of this report.
Just as the company's finances, we also divide it into the Assets on the left and side Liabilty and Net Worth on the right.You can divide the assets into 3 parts namely Liquid assets (ie funds at any time you can use like the one in Cash, Current and Savings Accounts), personal assets (ie assets that are not productive and only used for personal purposes such as private cars, home furnishings, jewelry for his own use, Electronics, etc.) and the latter Assets Investment (ie assets that generate the return or its value tends to increase from time to time, so its not productive and consumptive purposes such as deposits, mutual funds, bonds, shares) . While the Liability can be divided into 2 of the Short-Term Debt (which will be due within 1 year) and Long-Term Debt (remaining debt will be due on the 1-year). . While Net Worth or net worth staying subtracting the total assets with a total liability of those. Well just as analysis of financial statements in general, that the Net Worth must be always kept for showing a net worth of a family, you are rich or not visible from the value of this net worth. The ability to manage finances with always doing traffic analysis to study the family's financial spending patterns can result in the ability to control the family finances that can result in a net cash flow each month from time to time. Net Cash flow . Net Cash flow is what will increase the Net Worth or your net worth. liquidity ratio, debt ratio, debt service ratio, saving to income ratio, solvency ratio. So do not be extravagant, man and Non ... so that your wealth continues growing. Try to imagine if every month the value of your mutual fund deposits and growing, relatively little large-well-well, but it is important that you are committed to your family until the goal is reached. While to analyze more details of the family's financial health position required ratio-ratio analysis such as analysis of the liquidity ratio, debt ratio, debt service ratio, saving to income ratio, solvency ratio. . Through analysis of this ratio-ratio we can know the financial health of our position so that we know what the strategy should be improved and what should be done. This analysis will help us in setting family financial goals.
. Strategy is to direct as much as possible so that you have a productive asset, or some people call it investment assets, something called good assets, some assets are called positive assets that can provide you with additional cash flow, then do the additional investment (reinvestment) with fixed maintain your liquidity position and maintain the position of your debt so you still get the additional net cash flow or economic value added to your debt management. owed Well okay just do not aja debt for consumption purposes, such as credit card debt to buy electronics or the more hp ngetrend, you make money or loose money. Berhutanglah with rational by looking at the economic benefits for you, yah kalo owed to the business or to buy the leased property-rental okay okay well live counting aja aja, you make money or loose money. Kalo there was additional value or benefit in the long term or to produce returns that provide economic value added (net additional cash flow) seteleh deducted the cost of debt, then you have debts with the rational. . Do not let what happens is the opposite of your consumer debt for purposes to the extent that your net worth is less than your debt, I'm sure your net worth will soon be eroded over time that you eventually go broke. So in this case required a way of thinking rational, well do not need to ride is a luxury European cars do not reply in his capacity, not more rational reply we choose a Japanese car was a smaller CC. Well, aspires to have a luxury car aja okay man, but think about what all needs and priorities of financial planning for your family are met or not. Only by acting wisely, can help you help yourself achieve your family's financial end.
.Remember Incorporisano Mensana sentence is within the Healthy Body Healthy Soul is also, well in that regard should not we do not maintain the financial health of our families, kalo gak health until this one, be careful lo one of his soul will also disturbed, try aja you can see husband and wife who fights only because of financial problems that are not healthy. Hmm but he said Love was everything ... Love you can beat this one issue. Now back to your own.