India Launches Research Forecast Rain

Understanding the rainfall is the main priority of government during the next five years,” said Shailesh Nayak, senior Ministry of Science.

INDIA launched a research project worth U.S. $ 75million (Rp703billion) by using computer models to predict more accurately the rain.
India washed down about 80% of annual rainfall during June to September. Lack of rainfall can cause drought and will be fatal to about 235 million Indian farmers.
Correspondents say this year’s rain can be said to be less.
“Understanding the rainfall is the main priority of government during the next five years,” said Shailesh Nayak, senior Ministry of Science.

He said “the mission of rain forecast” will be centered to understand more about the rainfall by using computer models used by Britain and the United States and to collect new data.
Estimates of rain is a complicated and ever done several times in India.

Difficulty of forecasting rain
Last year, India estimates that rainfall will be below average but it is happening is exceeded forecasts.
India Meteorological Agency (IMD) forecasts they admitted later that “not appropriate”.
In the history of 137 years, IMD was never able to predict exactly when a drought or flood.
Experts say scientists worldwide are also difficulties in estimating the country’s weather patterns.

The scientists said the IMD has worked hard to make forecasts of rainfall each year.
Rainfall observers Prof J Srinivasan of the Indian Institute of Science said that seasonal droughts and flooding forecasts are relatively accurate for the sub-Saharan Africa but there is no body in the world that can be estimated for the region of India.

Facebook founder was thrown from the World Top 10 Richest People

One of the founders of Facebook, Mark Zuckerberg, was thrown from dafar world’s 10 richest people in the field of technology or “the world’s 10 Richest technology billionaires”. Wealth of 28-year-old boy was greatly undermined by the decline in the value of Facebook shares.

Bloomberg reported, wealth Zuckerberg dropped 423 million U.S. dollars, because the company shares the world’s largest social media was down four percent to 20.04 dollars in New York. The value of shares was a record low of Facebook shares.

Zuckerberg wealth of current “live” 10.2 billion U.S. dollars.

Wealth value of approximately $ 400 million under James Goodnight, co-founder Cary, SAS software maker based in North Carolina, United States. Goodnight at position number 10 according to Bloomberg Billionaires Index.

Facebook shares have been sliding down 47 percent since the launch of the worth of its shares with a value of 38 dollars per share.

Zuckerberg’s wealth comes from owning 503.6 million shares of Facebook. The young man had other property in the form dlolar bentuh 150 million in cash and other liquid assets.

When a business Facebook is down, not so with Goodnight. 69-year-old grandfather has the largest software company in the world who earn 2.7 billion dollars, up 12 percent over last year.

Co-founder of Microsoft, Bill Gates, remains the richest person with a net worth of about 61.6 billion U.S. dollars.

Small Business Outsourcing Can Work Wonders for You!

Work hard fοr success іѕ whаt уου wіll hear everywhere. Bυt hаνе уου еνеr thουght аbουt implementing a smart mονе tο bе successful. Well outsourcing іѕ thе smartest business mονе thаt уου саn mаkе fοr уουr small business. Thеrе аrе many small business ventures thаt саn implement small business outsourcing tο earn profit. Yes, thеrе аrе many benefits οf outsourcing, bυt until уου implement thе process уου wіll nοt actually know hοw beneficial small business outsourcing саn bе fοr уουr business.

Small businesses hаνе less number οf staff аnd thіѕ саn аt times bе a constraint tο meet deadlines аnd complete work іn time. Hοwеνеr, small business outsourcing mυѕt nοt bе seen аѕ a means tο meet аnу temporary deadlock οr pending work. In fact уου саn profit аnd prosper more іn уουr business іf уου thіnk οf taking up small business outsourcing οn a long term basis fοr уουr company.

 

Thе internet іѕ a grеаt source fοr уου tο find out people whο wіll dο thе work fοr уου. Thеѕе days уου саn find virtual workers whο wіll dο аnу sort οf work fοr уου. If уου want a research paper written, want someone tο dο thе accounting аnd bookkeeping οr јυѕt want someone tο take care οf thе work backlog thаt уου hаνе accumulated уου јυѕt hаνе tο find someone tο dο thе job fοr уου.

One οf thе key benefits οf small business outsourcing іѕ thаt уου wіll save lots οf money. Hiring manpower tο dο thе work fοr уου саn bе a time consuming аnd difficult task fοr уου tο handle. Small business outsourcing takes care οf thіѕ fοr уου. Thе outsourcing firm wіll dο thе work fοr уου аnd hire employees fοr уου bу hiring people fοr уου whο wіll dο thе work fοr уου fοr half thе amount professionals working іn уουr country wουld demand fοr doing thе same work. Imagine thіѕ scenario, уου wіll gеt thе work done bу a qualified professional аnd уου аlѕο еnd up saving a hυgе amount οf money.

Thе quality οf work becomes dеfіnіtеlу better, simply bесаυѕе thе work іѕ done bу a qualified professional. All people whο work fοr small business outsourcing аrе very highly qualified, ѕο уου саn rest assured аbουt thе quality οf thе work done bу thеm. Yου саn regularly check out аnd see іf thеіr work thеу аrе doing іѕ quality work οr nοt. At аnу time уου feel thаt уουr work quality іѕ suffering, уου саn ѕtοр thе work аnd find someone еlѕе tο dο thе work fοr уου.

If уου hаνе finally dесіdеd tο implement small business outsourcing fοr уουr business, уου mυѕt find out thе best outsourcing company tο dο thе work fοr уου. Find out thе efficiency οf thе company bу talking wіth people whο hаνе already worked wіth thеm. Check out thе security feature provided bу thе company. Thіѕ іѕ уουr business wе аrе talking аbουt аnd уου mυѕt nοt compromise οn anything fοr thіѕ.

Small business outsourcing results саn vary form business tο business. Depending οn many factors, уουr business mау οr mау nοt bе successful. Hοwеνеr, thеrе іѕ a grеаt chance thаt thе benefits οf outsourcing уουr business abroad wіll bе many аnd varied. Thе results саn vary frοm business tο business аnd company tο company due tο many factors.

Puri Ayu Martha Tilaar by Martha Tilaar Group

Puri Ayu Martha Tilaar Provides Franchise in Indonesia at Beauty Shop Industry, Salon, and Spa. You can open new business with them, they provides some franchise options for the franchisee.

They founded at May 1995 under the company of Martha Tilaar Group, PT. Martha Beauty Gallery. The purpose is for marketing public relation from their products, to collect information from customers to develop and improve their products. And beginning at year of 1999, the management was given to PT. Tiara Permata Sari.

Now they already have many Beauty Salon branches in many cities around Indonesia. They provides good quality services to their customers. Please contact the franchise department for the detailed information about the franchise opportunities.

Address : Jl. Pulo Kambing II/1, Kawasan Industri Pulo Gadung, Jakarta 13930

Estimated Investment : Rp. 100 – 250 Million

FORM AND BANK PRODUCTS

Some forms of banking products such as loans, provision of payment services and the circulation of money, as well as other forms of banking services. For the following explanation:

1. The extension of credit with various forms of collateral such as mortgage or mortgage securities

2. Providing services in payment traffic and circulation comprising:

a. The traffic in the country such as transfer payments, collection.

b. Traffic overseas payments such as the opening of L / C (Letter of Credit) is a bank letter of guarantee for export-import transactions.

3. Other banking services which include:

a. Buying and selling traveler’s checks (travelers checks)

b. Buying and selling paper money (bank notes)

c. Credit card (Credit Card)

d. Buying and selling of foreign currencies.

e. Payment of electricity, telephone, salaries, taxes

f. Prepare a safety deposit box (safe deposite box)

4. The forms deposits in the Bank

*         Demand deposits are deposits in banks that can be used as means of payment.
*         Deposits are deposits in banks may only be withdrawn within a certain period
*         Certificate of Deposit is a proof of savings deposits can be traded.
*         Savings are savings to banks may only be withdrawn under certain conditions agreed upon.

Bad Credit Personal Loans: Breaking Barriers Encompassing Bad Credit

In the phrase bad credit, what is important is – ‘credit’. If you get that part then bad credit will no longer pose as a liability. Bad credit is conceived by people as something that will prevent them from getting loans. This might have been true few years back. But the configurations of loan market have re-adjusted themselves to incorporate bad credit. People from all walks of life are finding bad credit personal loans equal to their inclination and requirements.

People who have bad credit must understand that there is no way that can prevent them from getting personal loans. Bad credit personal loans have considerable choices for consumers. This is because bad credit personal loans are not unlike personal loans. the loan process for bad credit loans is similar to personal loans. Your credit displays bad credit therefore; a special loan type was devised bad credit personal loans.

Bad credit still intrigues many people. Bankruptcy, county court judgments, closure, charge-offs will definitely show itself as bad credit on credit report. Single late payment will affect credit ratings. But new threats for credit are emerging. Things like unpaid parking ticket not keeping on one address for a long time can also result in bad credit ratings. Borrowers suffering from such setbacks say that it is unfair. However, the inclusion of such problems has included more flexibility among loan lenders. Loan lenders have come up with great personal loan packages for those with bad credit.

Search for bad credit personal loans should begin with getting your exact credit score. Get your fico score, lower the fico score more negative is your credit situation. Fico score ranges from 300-850. Below 600 is bad credit. Experian, Trans union and Equifax – these three credit reporting agencies will have a detailed report of your previous financial dealings. This will enable you to find out where the fault lies. If it can be corrected, sometimes credit reports carry wrong information, then make an effort to remove the fault. Start paying your bills on time, close any unused accounts. Some small steps can help you improve credit but they may not be suitable for every bad credit personal loan borrower.

As bad credit personal loans borrower, you should know that though credit check is fundamental to loan borrowing, it is not the only deciding factor. Regular income, stable job history, equity, savings, collateral – will all have a say in getting bad credit personal loans approved. You recent credit history, if it is positive, will promise great returns while looking for personal loans for bad credit. Being honest with personal loans lender about your credit situation will enhance your credibility as a borrower.

On the other hand be aware of your rights as a bad credit borrower. This will avoid you from getting duped. The right to extend personal loans for bad credit remains with the lender. There will be lender who will draw a line on how much risk they can take. This means that if you have a serious debt condition then bad credit personal loans might not be offered to you. In such a case, credit counseling would be a better option.

Secured and unsecured lending is available for bad credit. With secured bad credit personal loans the risk is considerably reduced for the lender because security is presented. With unsecured bad credit personal loans no security is prearranged. This loan type is better for smaller loan amounts.

For personal loans lender bad credit means risk in general terms. Therefore, the interest rates will be higher. However, bad credit consumers must understand that it is not as severe as it seems. The interest rates for personal loans bad credit are calculated taking into consideration the general rate of interest nationwide at the time the loan application is made and the particular risk of the personal loan in question. This process rules out any possibility of being unjustly addressed due to bad credit. Bad credit borrower should ask for quotes from various lenders. This will enable you to deduce the cost of bad credit personal loans. With research you will find that different loans lenders will have different interest rates and terms. Comparing will help you select the best bad credit personal loan.

Take time and rebuild your credit by being regular on bad credit personal loans. Gradually you will re enter the expanse called good credit. In the meanwhile you have a great opportunity in hand called bad credit personal loans.

8 Financial Blunders and Their Fixes

How to become better at managing money? The best way to start is to avoid making costly mistakes that will be pulling you down and taking months or even years to recover. Many financial blunders are easy enough to avoid once you know what to watch out for.

1. Decision Paralysis

Today there are so many choices, so many financial products and so many offers. It all bundled with financial jargons. It becomes really difficult for one to understand. Also there is plenty of information available on the web, on the media and on the neighbourhood. This makes decision making much more complex. All these things coupled with the fear of making a wrong financial decision lead us to the DECISION PARALYSIS. We don’t take any decision and start postponing it.

2. Ignoring Personal Finance

Most of us think that we need to work hard to make money and build wealth. I agree that you need to work hard but that is not enough. You work hard for money. How the hard earned money can be left idle? If you could focus on your personal finance, your money will start generating passive income with which you can achieve your financial goals with comparatively less effort.

 

3. Peer Pressure

Peer pressure plays a notorious role in taking wrong investment decision. One feels very safe when he takes the decision, which everyone around him/her has taken. But a product suitable for your colleague or your cousin need not be suitable for you.

4. Too early to plan retirement

You may be saying ‘who me? I am too young to be thinking about retirement”. It is not so! Rethink. You should have started thinking about it yesterday. Because time flies quickly. If you were smart, and planned for retirement when you are young, your retirement years will be really those “Golden years”. If not you need to compromise and you need to work longer and retire later than others.

5. Trying to make quick buck

Risk-Return Tradeoff Principle is a very basic and profound investment principle. Low level of risk is associated with low potential returns, whereas high level of risk is associated with high potential returns. So as to generate high returns one need to tolerate high risks. If you are comfortable only with low risks, you can expect only low returns. No one can defy this basic principle. A scheme cannot deliver high returns with low risk. There were no such schemes in the past. There are no such schemes in the present. There will not be such schemes in the future too. Finance company deposits which assured high interest rates have defaulted. One of the latest examples would be the ponzi scheme by Madoff. Whenever you hear about such schemes with low risks and high returns, you understand it is an illusion. It is better to ask more questions and get it clarified, instead of making assumptions.

6. Investing in things you don’t understand

If you are choosing to invest in a scheme which you don’t understand then you will also not understand what type of returns to expect. Do you understand the Highest NAV Guaranteed Schemes? Who gives the guarantee and what is guaranteed? Do you understand Futures and options completely? Ultimately from where does money come if you are profiting and where does the money go if you lose?

7. Investing in what is hot

If you are investing in what is hot, then you are following the crowd. If you follow the crowd, you will get what others are getting. You will not get anything more. You need to be fearful when others are greedy and you need to be greedy when others are fearful. So don’t go by the market trend or the hot pick of the month. Think like a contrarian and follow value investing.

8. Too many cooks

If you have different agents or advisors for different investment products (insurance, mutual funds, stocks…….), then none of them will know your complete picture. Their advice will be very limited and biased towards their products only. Too many cooks spoil the soup.
How to fix these financial blunders?

  • Give priority to your personal finance and spend some quality time on that. We all work for money. So we need to efficiently manage our money to secure our future.
  • Set your financial goals like kid’s higher education, buying a home or retirement with more details. Work out a personalised comprehensive financial plan to achieve the goals. Then create an action plan for the year in sync with the comprehensive financial plan. Be committed to your financial plan.
  • Obtain assistance from a professional financial planner who has knowledge and access to all financial products in the market. Ask the right questions and understand the plan and products before proceeding on the same.

Guidance of learning of BiNus Center

BiNus Center already have many franchise outlets through out Indonesia. It was established as an education center to provide a permanent state-of-the-art knowledge and skill for society.

Note: Since 2009, In order to maintain image quality throughout Indonesia, Binus Center closes franchise opportunities for prospective franchisees who want to become partner. It is more because Binus Center is overwhelmed by the quality control that should be the same at every franchise outlet.

Why Franchise BiNus Center ?
1. BiNus experience
2. Brand Image
3. Work together with the whole BiNus group
4. Excellent Human Resource Training
5. Wide Networking
6. Stable Industry

What are BiNus Center Products

BiNus Center provides many training programs in the field of IT as well as non IT for all generations, such as :
1. Special Class
2. Authorized Training
3. Certified Professional Course
4. Short Course
5. Workshop
6. Language Program
7. Computer for Student
8. In – House Training
9. BiNus Center Education Partner
10. International Testing Center

What Do You Get from BiNus Center?
1. Copyright BiNus Center Brand
2. Business operation standard
3. Promotion Starter Kit
4. Operation Stater Kit
5. Management training for Owner and Staffs.
6. Initial staff training; marketing training, operational support training, academic support training.
7. Commercial Ad for Grand Opening
8. Audit Support (Twice a year)
9. Annual Meeting with all BiNus Center outlet

New Outlet Opening Procedure
1. Review our prospectus kit -> call (021) 5345830 ext 3211 to get a copy
2. Follow up meeting I -> Discussion about location proposed.
3. Site Visit From BiNus Center Head Office
4. Follow up meeting II -> Discuss more detail.
5. Submit proposal business plan
6. Analyze the business plan proposed by team BiNus Center and Yayasan Bina Nusantara
7. Agreement
8. Preparation opening outlet
9. Soft opening and Grand opening

Last But Not Least: BiNus Center ready to be partner for Your Success. Take the Opportunity to be Our Franchisee

Beverages Ice Cream Campina

Es Krim Campina provides franchise business opportunity in Ice Cream industry in Indonesia. Campina already have many outlets around the world. You can join them if you want to open new business in ice cream industry.

Monthly estimated Franchisee Income :

Initial Investment
(product, neon box, equipment) = Rp. 4 million

Monthly Income
1 day : 100 cup @ Rp. 2.500
1 month : Rp. 250.000 x 30 days Rp. 7,5 million

Expenses
Wages : 13% Rp. 975.000
Rent : 13% Rp. 975.000
Ice Cream : 50% Rp. 3,75 million
Electricity, etc : 2% Rp. 150.000
Total Expenses : Rp. 5,850,000

Profit : Rp. 1,650,000

So the total Profit the investor will get is Rp. 1,650,000 or 22% from the revenue.

Using Credit Cards to Finance Your Business

It can be quite difficult to find financing when you are trying to start a business. Traditional channels such as banks and other financial institutions are normally not too eager to finance a new business, even if you have developed a sound business plan and are highly skilled in your market. Starting a business, especially an online business based from your home, can be difficult, and you will need a way to obtain financing. You may be considering using your credit cards to finance your business.

While it is always better to avoid risking your own money when starting a new business, there are many people who have successfully financed a business with credit cards. If you have a sound business plan the ability to manage your finances wisely, you may be able to use your credit card to finance a business without risking your credit score and your financial future. Just as with all debts, it is important to pay as much of your balance as possible each month and never make late payments.

There are advantages to using you credit card in financing a business. It is quick and easy and you will never have to wait for approval or funds when you are ready to make a purchase. Another advantage is that you can make purchases instantly, without having to write a check or supply vendors with check payment forms, as is often a requirement for a new business. It would make the most sense to use only one of your credit cards for business purposes. You will be able to track purchases easily and consolidate your monthly
statement easily.

You should know your billing date. You will be able to make larger purchases just prior to your billing date and prevent interest from accumulating for several weeks until you make your payment. Always try to pay off the majority of, if not all of your debt each month. You will save a lot of money in interest charges by paying as much as you can possibly afford each month.

Using your credit card will also protect you from losses if you receive damaged goods or fail to receive merchandise you have paid for. Depending on the type of credit card you choose to use for your business, you can earn bonuses, frequent flyer miles, and cash back. You will need to monitor your spending carefully. Make certain you use the credit card with the lowest rate of interest and you may be able to contact the credit card company and ask about any possible rate reductions you can get.

Financing your new business with a credit card is not the ideal situation, but for those who are having difficulty obtaining a traditional loan or alternate type of financing, this could be a viable
option. You do not want to risk losing your profits by accumulating overwhelming amounts of debt on your credit card. Keep a close watch on your spending and pay most if not all your debt each month. With caution and a smart business plan you can finance your new business with a credit card and instantly find the funding you need. Depending on your credit situation and debt level, you may be able to apply for a credit card in your company name, separate from your personal finances.

Accumulating credit card debt is never the best option, but with wise decisions and smart purchases you can finance your business and avoid the frustration of trying to obtain outside funding. Starting a new business is an exciting time. Make smart financial decisions and your business can be profitable in a short time.