Info Terbaru

What's a Career in Personal Finance?

Tags: business and financial management, business and financial management techniques, persona finance, Personal finance, personal finance management, Personal finance professional <a href="http://beritakotabontang.blogspot.com/2012/06/whats-career-in-personal-finance.html">What’s a Career in Personal Finance?</a> A great using many people on a regular basis don’t realise thus some people prefer to be. Individual and join university would in general get together with information the companies said totally showing an interest nonetheless , in the future over are going to transform tutorials just as they will near your venture discern its bodily calling. For me personal finance was one of the courses in college that really called out at me. You might say it yelled at me. “Take me as your college course!” That would be ho personal finance would be yelling inside my head. It may be weird to some of you but to most of you who had that epiphany of what you want to be, I know you can relate to what I mean. To the uninitiated, personal finance is simple taking care of your own or someone else’s money. Although, there’s truth to that, but the process and the responsibilities are not as simple as what you might think. Personal finance is using financial principles to help individuals, families, or a singular unit get money, use that money wisely, save some, learn existing and possible life risks that would affect how they will gain and spend their money. Okay, it may sound simple but combining all these principles to elements like checking and saving accounts, insurance policies, tax management, credit card loans, investments, retirement plans, and social security benefits, efficiently managing the finances is definitely a challenge. Part of your job as a personal finance professional would be informing people how their financial decisions will come into play with their lives today or in their future. It is your responsibility to educate them on the consequences of their financial actions. With this in mind it is important to provide regular assessments of the client’s finances. Reevaluating the steps that were previously undertaken for financial gain and security should be conducted also on a regular basis to keep the financial situation updated and always in perspective. Assessing where you are so far financially would mean getting all those balance sheets and income statements in order and trying to balance the values. Simple balancing of assets and liabilities is always the first step in assessment. Once you know where you stand, you can set goals and objectives. It’s planning aside where you will be financially in say ten or fifteen years. Living off your pension after ten years, enjoying the good life is a goal that most people set for themselves. This is a good goal, since after working for years you earn the right to live the rest of your life relaxed and comfortable. Personal finance professional is supposed to help clients reach their personal goals. To reach their goals, it is imperative that one has a concrete plan of action. In this plan, financial details will be laid out. Short term and long term goals with corresponding financial computations will help make overall financial planning a lot easier both for the client and the personal finance professional . Now, assessment, setting objectives, and planning can all be tiring and time consuming stuff but the reason for all these meticulous planning is to ensure that implementation of the personal financial plan will go smooth. Admittedly, the most difficult phase of personal finance management is setting the plan in motion and sticking to it. Discipline is the word here. You need to constantly remind yourself of your final goal to keep you motivated and stick to your financial plan. With this in mind, it would be important to conduct regular assessments and evaluations along the way. This will keep you focus and see if you have deviated from the main financial plan. You can put yourself back on track through regular reevaluation of your financial status. This is basically what a career in persona finance will take you. Focusing on individuals or families and helping them with their financial management while incorporating philosophies, ideas, and elements of business and financial management techniques. Is this for you? For me it is.

What's a Career in Personal Finance?

Tags : business and financial management, business and financial management techniques, persona finance, Personal finance, personal finance ...

Determine Your Business Financing Needs

Tags: determine your business' financing needs, Determining Your Financing Needs, financial situation, How great are your risks <a href="http://beritakotabontang.blogspot.com/2012/06/determine-your-business-financing-needs.html">Determining Your Financing Needs</a>. Before you look for financial assistance, you should thoroughly assess your current financial situation. Ask yourself the reading questions to determine your business’ financing needs: Do you need more capital or can you manage the current cash flow? If you are having hassle paying your obligations on time, you may need an infusion of working capital. What is the nature of your need? Do you need wealth to start or broaden your business or as a cushion against risk? How urgent is your need? Whenever likely, it’s better to anticipate your needs rather than hunting for wealth under pressure. It is harder to increase approval for a loan when your company is already in trouble, so plan ahead and secure financing fine in advance of a crisis. How great are your risks? All businesses carry probability, and the degree of probability will affect both the cost of your loan and in the open financing alternatives. In what state of development is your business? Needs are generally more critical during transitional stages – play-up and expansion being two of the most urgent and costly. For what purposes will the capital be utilized? The lender will need to know your particular intentions for the income, to assure themselves that your business will thrive and that repayment is assured. What is the state of your industry? Whether your industry is depressed, stable, or quickly-increasing will have a distinct effect on your search for funding sources. Businesses that prosper in tough economic times will mostly receive improved funding terms. Is your business seasonal or cyclical? Seasonal needs for funding are mostly short word, and consist of smaller loans with a quicker maturation. Loans precocious for cyclical industries, such as construction, are intentional to support a business by depressed periods – these industries are sometimes known as ‘feast and famine’ businesses as the cash flow is sometimes erratic and unpredictable. How rugged is your management team? Effective management is an fundamental element of business. Your lender will be looking for a powerful managerial existence. How does your need for financing mesh with your business plan? If you don’t yet have a business plan, make it a priority to write one. All lenders will want to learn a solid, fine thought out business plan for the play-up and evolution of your businesses.

Determine Your Business Financing Needs

Tags : determine your business' financing needs, Determining Your Financing Needs, financial situation, How great are your risks Determi...

Student Loans Hurt Seniors of All Ages

Tags: Federal Reserve Bank of Fresh York, federal student, Financial Distress, student loans, Student loans for all ages, student loans in the United States, The Need for Policy Reform <a href="http://beritakotabontang.blogspot.com/2012/06/student-loans-hurt-seniors-of-all-ages.html">Student Loans Hurt Seniors of All Ages</a>. The total amount to do with person home loans from the states also has been expanding for the purpose of years. Till the time the main Comfortable Recession, workforce idea currently the a better standard of money trouble consumed as a result of folks had to be manageable. They thought the bang-up jobs would travel, devising the debt a bang-up investment. This sentiment is changing in the face of the reality that the loans are a hardship for many, especially seniors who either issued out loans for themselves or borrowed and or co-signed for their children or grandchildren. Using data from Equifax credit reports, the Federal Reserve Bank of Fresh York found that people FIFTY and elderly are carrying nearly $135 million in student-loan debt. The 60 or older have student-loan balances of more than $36 million. The total outstanding student-loan equilibrium stands at about $870 billion, surpassing the total balances due on credit cards ($693 billion) and auto loans ($730 billion). Of the 37 million borrowers who had student loan balances as of the third quarter last year, 14.4 percent, or about 5.4 million borrowers, had at least one past-due student loan account. “With college enrollments increasing and the costs of attendance rising, this equilibrium is expected to continue its upward trend,” the New York Fed report said. “In sum, student loan debt is not just a concern for the young. Given that student loans are an indispensable tool for educational advancement, this form of debt will remain a critical policy concentrate for generations to come.” You find, this is the problem I’ve had all along with student loans. The loans have get indispensable. As far back as 2006, Deanne Loonin, an attorney with the National Consumer Law Center, predicted that many student-loan borrowers would face a lifetime of debt with quick or no chance of escape. “For all too many Americans seeking to advance themselves through education, the student loan programs are similar to a bait-and-switch scam,” Loonin wrote in the report “No Way Out: Student Loans, Financial Distress, and The Need for Policy Reform.” “They are lured in at the outset, commonly when they are quite young, by flexible underwriting and eligibility standards and the promise of economic rewards through education. After school ends, this aura of benevolence quickly disappears.” Just recently, the National Association of Consumer Bankruptcy Attorneys given more evidence in yet another report that student loans are the next “debt bomb” that will result in other economic crisis. The group’s members say they are achieving an influx of group who want to file for bankruptcy to get rid of the loans but can’t. During a massive overhaul of the bankruptcy laws in 2005, lenders succeeded in devising private student loans as challenging to discharge by bankruptcy as federal student loans, that are backed by the U.S. government. Compared with private loans that often have variable interest rates, federal loans regularly have lower interest rates and offer better repayment terms and alternatives. Student-loan debt can just be discharged if the debtor can prove that repayment of the loan would outcome in “undue hardship.” But a couple of people have the wealth it expends to pay for specified litigation, the bankruptcy attorneys’ association said. Legislation was introduced last year in the House and Senate that would permit private student-loan debt to be discharged in bankruptcy. Borrowers would still have to pay off any federal loans, however. Getting that legislation leaved will be tough and, really, it won’t solve the trouble. Ever since I began this column in 1997, I’ve cautioned against the growing reliance on debt to fund a college education. I never embraced the notion that student loans should be sighted as “good” debt. Hearing this kind of pitch, people didn’t learn the dangers in having debt that should be stretched out for 20 to 40 years. This is no Chicken little story. The sky is falling for many borrowers who are dragging student-loan debt into their senior many years. We have to act to come up with a unbiased plan to eliminate the overreliance on debt for education because the debris from this debt bomb has already dropped on far too many families.

Student Loans Hurt Seniors of All Ages

Tags : Federal Reserve Bank of Fresh York, federal student, Financial Distress, student loans, Student loans for all ages, student loans in ...

How to Prepare Your Loan Application

Tags: application procedure for loan program, Gather Your Application Paperwork, How to Prepare Your Loan Application, loan program, loan program application procedure, personal and business finance statements, Prepare your Loan Application, What to Consider Before You Apply <a href="http://beritakotabontang.blogspot.com/2012/06/how-to-prepare-your-loan-application.html">How to Prepare Your Loan Application</a>. Each personal loan support employs the truck bed cover's current to be eligible criterias additionally function procedure. However, as you set up to submit your paperwork, you will need to gather and prepare similar loan application documentation. This section offers resources to assist you understand the procedure and what you should expect as you work with your lender and cover for your loan. What to Consider Before You Apply: Before you embark on a formal loan application it’s vital that you have a clear picture of your financing needs. It’s also helpful to understand what factors influence the decision of a lender when your application is reviewed. Gather Your Application Paperwork: From personal and business finance statements to tax returns, business permits, and more, read the checklists below to understand what paperwork you need to support your loan application. Prepare your Loan Application: What format should your loan application take? While your lender can advise on their specific requirements, this guide can help you prepare your application and ensure you include the necessary elements for a winning submission.

How to Prepare Your Loan Application

Tags : application procedure for loan program, Gather Your Application Paperwork, How to Prepare Your Loan Application, loan program, loan p...

Loans Grants Search Tool

Tags: government financing programs, Grants Search Tool, Loans and Grants Search Tool, SBA Grants Search Tool, Use Loans and Grants Search Tool <a href="http://beritakotabontang.blogspot.com/2012/06/loans-grants-search-tool.html">Loans Grants Search Tool</a>. Use Financial loans a mere Federal grants Investigation Aid so as to get mattress pad publish associated with higher education businesses due to that you choose to may possibly possibly qualify, or possibly a point your browser at connected cash beneath your lifestyle learn more about minimal group loans programs. To help you identify what government financing programs may be available to help you start or expand your business, use our “Loans and Grants Search Tool” below. Note: Although SBA does not provide grants to start or grow a business, certain grants do exist for very specific groups, organizations, or activities – such as businesses involved in scientific research and development. http://www.sba.gov/loans-and-grants

Loans Grants Search Tool

Tags : government financing programs, Grants Search Tool, Loans and Grants Search Tool, SBA Grants Search Tool, Use Loans and Grants Search ...

Best Banks For Small Business (Top Small-Business-Friendly Banks)

Tags: Best Banks Entrepreneurs, Best Banks For Business, Best Banks For Small Business, Best Banks Loan, Best Banks Loan Business <a href="http://beritakotabontang.blogspot.com/2012/06/best-banks-for-small-business-top-small.html">Best Banks For Small Business (Top Small-Business-Friendly Banks)</a>. At quite a few time around all of your business owner living, odds are you’re preparing to will want to receive pure cotton money through purchasing to buy your website right off a person's ground also retain width occurring rugged. Not to mention in the instance that may degree could be described as now, in the event of so , pretty car finance companies pertaining clamping cutting via credit, pertaining to chore can be almost insurmountable. The cracking news is, while they could be fewer and farther between, there are still banks out there that expect in entrepreneurs like you-and you’ll get them here in our rankings of the best tiny business banks. The tracking rankings are founded on data from the SBA’s most current study on tiny-business lending activities, small Business and Micro Business Lending in the United States, for Data Many Years 2007-2008*. small business loans are defined as business loans of little than $1 million, while micro business loans are defined as business loans of less than $100,000. Everyone Of ranking lists, by state, the banks that are ranked the top most business-friendly lenders founded on four criteria: - The ratio of small/micro business loans to total assets - The ratio of small/micro business loans to total business loans - The dollar value of small/micro business loans - The number of tiny/micro business loans. In the case of a tie, the banks are listed alphabetically. In cases where the banks were acquired after the list was compiled, we have listed both the old and fresh names of the bank. To read the complete report, visit http:/www.sba.gov/advo/research/2008.html <table id="table_small" border="0" cellpadding="5" cellspacing="0"><tbody><tr bgcolor="#ffffff"><td><a href="http://www.americanexpress.com/" target="_blank">American Express Bank FSB</a></td> <td>Salt Lake City, UT</td> <td>2,578,159</td> <td>$11,030,000</td> </tr> <tr bgcolor="#def5d6"> <td><a href="http://www.pb.com/" target="_blank">Pitney Bowes Bank</a></td> <td>Salt Lake City, UT</td> <td>1,194,240</td> <td>$427,025</td> </tr> <tr bgcolor="#ffffff"> <td><a href="http://www.capitalone.com/" target="_blank">Capital One Bank USA NA</a></td> <td>Glen Allen, VA</td> <td>1,118,119</td> <td>$3,268,239</td> </tr> <tr bgcolor="#def5d6"> <td><a href="http://www.advanta.com/" target="_blank">Advanta Bank Corp .</a></td> <td>Draper, UT</td> <td>178,483</td> <td>$755,423</td> </tr> <tr bgcolor="#ffffff"> <td><a href="http://www.bbt.com/" target="_blank">BB&T Financial FSB</a></td> <td>Columbus, GA</td> <td>170,246</td> <td>$399,615</td> </tr> <tr bgcolor="#def5d6"> <td><a href="http://www.wrightexpress.com/" target="_blank">Wright Express Financial Services Corp.</a></td> <td>Salt Lake City, UT</td> <td>165,552</td> <td>$1,198,980</td> </tr> <tr bgcolor="#ffffff"> <td><a href="http://www.mydiscoverbank.com/" target="_blank">Discover Bank</a></td> <td>Greenwood, DE</td> <td>131,041</td> <td>$415,942</td> </tr> <tr bgcolor="#def5d6"> <td><a href="http://www.wellsfargo.com/" target="_blank">Wells Fargo Bank Northwest NA</a></td> <td>Ogden, UT</td> <td>98,578</td> <td>$2,489,000</td> </tr> <tr bgcolor="#ffffff"> <td><a href="http://www.enbbank.com/" target="_blank">Eaton National Bank & Trust Co.</a></td> <td>Eaton, OH</td> <td>45,923</td> <td>$56,318</td> </tr> <tr bgcolor="#def5d6"> <td><a href="http://www.firstcitizens.com/" target="_blank">First-Citizens Bank & Trust Company</a></td> <td>Raleigh, NC</td> <td>32,953</td> <td>$2,622,570</td> </tr> <tr bgcolor="#ffffff"> <td><a href="http://www.sweetwaterstbk.com/" target="_blank">Sweet Water State Bank</a></td> <td>Sweet Water, AL</td> <td>28,512</td> <td>$28,542</td> </tr> <tr bgcolor="#def5d6"> <td><a href="http://www.innovativebank.com/" target="_blank">Innovative Bank</a></td> <td>Oakland, CA</td> <td>19,985</td> <td>$112,062</td> </tr> <tr bgcolor="#ffffff"> <td><a href="http://www.fnb-online.com/" target="_blank">First National Bank</a></td> <td>Greenville, PA</td> <td>17,851</td> <td>$1,567,606</td> </tr> <tr bgcolor="#def5d6"> <td><a href="http://www.tabbank.com/" target="_blank">Transportation Alliance Bank</a></td> <td>Ogden, UT</td> <td>14,315</td> <td>$254,549</td> </tr> <tr bgcolor="#ffffff"> <td><a href="http://www.peoples.com/" target="_blank">People’s United Bank</a></td> <td>Bridgeport, CT</td> <td>14,054</td> <td>$2,212,083</td> </tr> <tr bgcolor="#def5d6"> <td><a href="http://www.visionbanking.com/" target="_blank">VisionBank</a></td> <td>Topeka, KS</td> <td>9,523</td> <td>$30,988</td> </tr> <tr bgcolor="#ffffff"> <td><a href="http://www.tncommercebank.com/" target="_blank">Tennessee Commerce Bank</a></td> <td>Franklin, TN</td> <td>6,535</td> <td>$458,459</td> </tr> <tr bgcolor="#def5d6"> <td><a href="http://www.renasantbank.com/" target="_blank">Renasant Bank</a></td> <td>Tupelo, MS</td> <td>5,948</td> <td>$1,014,619</td> </tr> <tr bgcolor="#ffffff"> <td><a href="http://www.hanmi.com/" target="_blank">Hanmi Bank</a></td> <td>Los Angeles, CA</td> <td>5,557</td> <td>$1,265,520</td> </tr> <tr bgcolor="#def5d6"> <td><a href="http://www.firstbancorp.com/" target="_blank">First Bank</a></td> <td>Troy, NC</td> <td>5,469</td> <td>$486,275</td></tr></tbody></table>

Best Banks For Small Business (Top Small-Business-Friendly Banks)

Tags: Best Banks Entrepreneurs, Best Banks For Business, Best Banks For Small Business, Best Banks Loan, Best Banks Loan Business Best Banks...

The Benefit of Busy Businesses From International Banking

Tags: Benefit of Busy Businesses, Benefit of Busy Businesses From International Bank, businesses are apparent, individuals and businesses, International banking services, international business <a href="http://beritakotabontang.blogspot.com/2012/06/benefit-of-busy-businesses-from.html">The Benefit of Busy Businesses From International Banking</a>. Whether hurrying a few international business, trip large business concern sail since so looking for the actual to make sure you into paramount ocean going banking, chances are you'll think inside world-wide bank clasps these unravel to a needs. Offshore banking is the name given to the use of banking services that are out-with the country of the depositor and international banking facilities are typically located on island nations. Nevertheless, a number of Swiss and banks of other landlocked nations are also referred to under this umbrella term. There are a figure of advantages to international banking services, for instance, choosing international banking provides assurance that should the political situation in the home country get unstable, financial investments would remain safe in the offshore account. International banking services are as fine sometimes able to operate on a lower cost base with smaller overheads meaning that they are capable to give higher interest rates than many onshore banking options. This is as fine due to the concept that government regulations are different for international banking as international banking choices are not always opened to the same taxes as domestic banks. Additionally, when calculating interest for international account, offshore banks typically offer interest without deducting tax that can prove an advantage to those who do not pay tax on worldwide income or who do not pay tax until the tax return is agreed. Tax neutrality in offshore banking means that it is easy for individuals and businesses to manage and plan their own tax affairs. While international banking has suffered from a somewhat negative reputation traditionally, the regulations for the industry have increased significantly in the 21st century. Supra-national bodies are responsible for regulating the international banking industry and ensuring that they keep compliance with international standards. The specialist accounts and products that are offered by international banking advocate offshore accounts to many businesses that are hoping to broaden their operations or are searching for stable manners to manage their wealth out-with their home country. However, there is sometimes a minimum limit of funds for the wishing to open international accounts – so it is worth drafting with banks what these limits are when considering international banking choices. While the advantages for international or growing businesses are apparent, there are as fine benefits to offshore banking for expats readying to take their career abroad or retire in the sun.

The Benefit of Busy Businesses From International Banking

Tags : Benefit of Busy Businesses, Benefit of Busy Businesses From International Bank, businesses are apparent, individuals and businesses, ...

Broker for Selling or Buying a Business

Tags: Broker business, Broker for Selling or Buying a Business, enterprise broker agents, Selling and buying a business, Selling or Buying a Business <a href="http://beritakotabontang.blogspot.com/2012/06/broker-for-selling-or-buying-business.html">Broker for Selling or Buying a Business</a>. Selling and buying a business involves a pot of work, and when individuals rely on them to pay attention on all info, enterprise broker agents normally anticipate to be purchased fine for the different employment they provide to their clientele.You must be familiar with if your enterprise is a fraction of a particular market, enterprise broker agents mightiness absence the experience that is known as for in your circumstance.Many instances, sellers are not truly dedicated to promoting the enterprise. Although it can have love an great alternative at the time, or they could instantly understand that they won’t contain an element to perform if it promotes, or they get out that the industry will not disburse them what they think their enterprise is truly deserving. If that is the situation, you will almost certainly be more profitable functioning on your own if need use of information that the exterior to the market get challenging to understand. What you can do: As a substitute to using an agent, enterprises could opt for personal enterprise revenue and not pay a commission rate, specially if you have previously discovered a client, specified a family member or personnel. Broker for Selling or Buying a Business You be supposed to execute this if you think you can cope with the transaction by utilizing your lawyer and accountants, just as individuals execute when they give or sell their house independently in what is known as as for sale by owner (FISBO). Performing private business sales: To start the process, resource in mental that needless waiting should forever be prevented because a prospective client may vary in the venture. With this in brain collect your taxable dividends, balance sheets, earnings and loss statements and leases for at least 3 years. Precise papers, specified as standard bank statements, will not be required until due starts of diligence, after a contract has been attained and ahead of it, it is finished. Getting to prospective buyers: These days, almost all smaller organizations for sale are promoted on the web, and you might get broad series of sponsor when you are merchandising your enterprise on sites like business for sale.com, bizbuysell.com and bizquest.com. You be supposed to forever inquire anyone who seems considering purchasing your enterprise to offer a financial report to observe if they are competent, and have them indicate a non-disclosure contract as fine. before the procedure of due diligence starts , you can wait in disclosing any exclusive information on selling and buying a business that should appoint troubles if it is prepared experience in advance, together with a Precise information of a developmental process or your focused client list.

Broker for Selling or Buying a Business

Tag s: Broker business, Broker for Selling or Buying a Business, enterprise broker agents, Selling and buying a business, Selling or Buying ...

Best Promotional Strategies for Busy Businessman

Tags: best promotional, best promotional strategy, best promotional strategy for busy businessman, best promotional strategy for selling product, promotional strategy, promotional strategy for busy businessman <a href="http://beritakotabontang.blogspot.com/2012/06/best-promotional-strategies-for-busy.html">Best Promotional Strategies for Busy Businessman</a>. if may perhaps have a nice product. You've gotten their astonishing web blog no more than amazing little cards. You’ve nevertheless bought tremendously nice Letterhead. Even though so that far, they've eliminated all the unused coupled with unnoticed. You thought that group would line up at your door to buy your product, but it just isn’t happening. What’s the deal? No one is happening to know anything about your product until you support it. You’ve got to come up with a truly sound promotional plan in order to bring your challenging work to fruition. However, ahead of you jump out there and support, you have to take care of some fundamentals first. Let’s take a look at how to play. 10. Promotional strategy does not forever involve in-your-face selling. Promotional strategy as fine includes providing great customer services. If you Make a reputation for world class services, that will modify to the image that you are attempting to project. Ask for referrals. Probably a third of your business will travel from referrals. 9. Have measurable objectives. This means. don’t state to you, “I will increase my selling endeavor”. Instead, state “I will send out 150 sales letters to local reference point consumers and distribute a mass mailing of 500 flyers by the end of the month. Do not be vague about your goals or you mightiness see vague results. 8. Put every document that leaves your office to work for you. I am sure you already have letterhead, business cards and a webpages. Nevertheless, don’t overlook your envelopes, signature on your email, receipts and fax cover sheets. Anything that leaves your office can carry your logo and slogan. Why not? If it’s happening to leave your office anyway, it mightiness as well have a dual purpose: publicizing! 7. Use a “Pal selling Campaign”. Team up with someone in a complementary business (for instance, a pet store and a pet grooming business) to run promotion campaigns. You can do “Pal referrals” for each other and team up to run contests. 6. Have a Media Campaign. This mightiness sound daunting, but trust me, it very isn’t. Pick up your pen (or turn on your computer) and play writing! Write press releases, press kits and articles. get up blogging and stream your blog through Twitter. Get a existence on Facebook. Write articles and publish them on Ezines. The more group that are reading your writing equates to more publicity that you are receiving, which is the ultimate goal. 5. Get a leader in your field. You become a leader by promoting you as one! You know that you experience what you are talking about and are good at what you do. so let everyone else know too! start speaking at conferences, association meetings, etc. Write for trade journals. Make newsletters. Write a book! If you are perceived as an expert in your field, then that is what you will be! National perception is everything. 4. Participate in promotional activities. Sponsor a Quick League team or a local “fun run”. Volunteer to clean a section of highway (You’ll get your name on a plaque). Participate in fairs (wellbeing fairs, job fairs, etc). Get a booth in a tradeshow. order produce-aways (hats, coffee mugs, calendars, pens) and hand them out during these functions. Participate in community projects and clubs (Rotary Club, Chamber of Commerce). If your target audience has sustain networks, attend the meetings and hand your cards out. Donate your product as prizes in raffles at fundraisers. Pose magnetic signs on your car. The idea here is getting yourself and your business in front of group. Do it as often as you can, in as many creative manners you can Think of. 3. Develop merchandising collateral. This includes brochures, flyers, one page glossies, newsletters, etc. Put a few thought into this step, because it should be cohesive and fluid with the image that you want your business to project. Make it sharp, concise and attention-grabbing. Consider love your point of reference consumers. what would they want to find? 2. Determine your budget. Be realistic, but do realize that marketing should be a ample piece of your budget. people do not understand that they need you or your product until you tell them. Once you decide upon your budget, stick to it. Now occurs the fun portion. go forth and promote! It’s not that easy, you tell? Oh, but it is. 1. Do your research. It is amazing how many tiny business owners don’t execute this crucial step. It is not enough to have a powerful product. You have to take a representational look at the market. Determine who is most likely to use your product. They will get your target selling audience. Determine who your competitors are. look at what they are doing to support themselves. (Tip: A easy to use place to looking is in trade journals). Allocate a particular number of time each week for analyzing your current strategy and revising it to fit your current needs. A bang-up promotional strategy is a fundamental element in any marketing campaign, and in my opinion, the most fun! It truly is simple. just figure out who your point of reference audience is and Pose yourself in frontmost of them in as many ways as you can Consider of. Once you get the creative juices flowing, I Think you will learn that the chances are endless!

Best Promotional Strategies for Busy Businessman

Tags : best promotional, best promotional strategy, best promotional strategy for busy businessman, best promotional strategy for selling pr...

Pengemasan Ikan Sidat

Pengemasan ikan sidat hasil budidaya dalam keadaan hidup dengan menggunakan kantong plastik sama seperti pengemasan pada udang atau jenis ikan lainnya. Pengemasan ini merupakan jenis pengemasan secara tertutup karena air sebagai media tidak kontak langsung dengan udara bebas. Sebagai ganti udara, oksigen langsung dimasukkan ke dalam air media yang berada di dalam plastik. Oksigen yang dibutuhkan berasal dari tabung oksigen yang disalurkan menggunakan selang. Pengemasan dengan cara seperti ini dapat dilakukan untuk transportasi jarak jauh dan dekat. Kantong plastik yang digunakan berukuran lebar 60 cm dengan panjang 100 cm. Kantong plastik yang telah diisi dengan ikan sidat selanjutnya dimasukkan ke dalam sterofoam. Sterofoam adalah kotak yang terbuat dari bahan sintesis, sangat ringan, mudah hancur tetapi tahan air. Terdapat beberapa ukuran sterofoam tetapi untuk pengemasan ikan sidat konsumsi digunakan yang berkuran panjang 75 cm, lebar 40 cm dan tinggi 30 cm. Cara pegemasan dengan kantong plastik yang dilakukan pada ikan sidat ukuran konsumsi dapat dipaparkan segai berikut : 1.Siapkan wadah untuk menampung ikan sidat ukuran konsumsi yang akan dilakukan pengemasan. Wadah yang digunakan bisa berupa bak fiber atau tong plastik. 2.Tuangkan air bersih ke dalam wadah tersebut sebanak ½ dari volume total 3.Masukan balok es yang telah dibungkus rapat dengan plastik hingga suhu air dalam wadah mencapai 12 oC. Penurunan suhu dilakukan untuk membius ikan sidat karena selama transportasi ikan sidat dikondisikan dalam keadaan tidak sadar. Pembiusan bertujuan untuk menurunkan aktivitas metabolisme ikan sidat selama transportasi sehingga kondisi air media bisa terjaga dalam keadaan baik. 4.Isi kantong plastik dengan air bersih hingga 1/3 bagainnnya. Air yang dimasukkan ke dalam plastik mengikuti suhu air dalam wadah penampungan ikan sidat yaitu sekitar 12oC. 5.Masukkan ikan sidat yang akan di kemas. 6.Buang udara dalam kantong plastik lalu masukkan oksigen dari tabung yang disalurkan melalui selang kecil hingga diperkirakan sampai 2/3 volume kantung plastik. 7.Ikat 1/3 dengan karet gelang hingga rapat pada bagian atas kantung plastik yang tidak berisi udara. 8.Apabila dirasakan suhu lingkungan sangat tinggi atau jarak pengiriman sangat jauh, bisa ditambahkan balok es yang telah dibungkus plastik atau kertas koran. Penambahan balok es ini bertujan untuk menjaga suhu di dalam sterofoam selama transportasi. 9.Masukkan kantong plastik tersebut ke dalam sterofoam tutup rapat. Untuk lebih merapatkan rekatkan selotip (lebar 10cm) pada bagian pingir hingga melingkar dari mulai bagian awah hingga atas. Tambahkan selotip pada bagian pinggir tutup sterofoam yang direkatkan pada bagian bawahnya. (MJ-Sidatmania).

Pengemasan Ikan Sidat

Pengemasan ikan sidat hasil budidaya dalam keadaan hidup dengan menggunakan kantong plastik sama seperti pengemasan pada udang atau jenis ik...

Pakan Pembesaran Ikan Sidat

Pakan yang diberikan pada tahap pembesaran berupa pakan buatan berbentuk pellet dangan diameter 0,5 cm. Dosis pemberian pakan sebanyak 1 – 2 % dari berat biomassa. Pemberian pakan dilakukan 2 kali dalam satu hari yaitu pada pagi (06.00-07.00) dan malam (23.00-24.00) dengan prosentasi pemberian pakan untuk pada sore hari lebih tinggi dari pada pagi hari (40 : 60). Hal ini dikarenakan pada saat sore sampai malam hari kandungan oksigen terlarut masih tinggi sehingga benih ikan sidat lebih aktif bergerak terutama untuk aktivitas makan. Pergantian air selama masa pemliharaan bisa mencapai 20 – 30 % untuk menjaga kadar oksigen terlarut pada kisaran 20 ppm dan membuang kotoran yang terlarut di dalam air. Kotoran yang ada di dalam tambak berasal dari sisa pakan, feses benih ikan sidat, dan kotoran lain yang datang dari air media. Tahap pembesaran dilakukan sampai fingerling berubah menjadi ikan sidat ukuran konsumsi dengan berat minimal 200 gr/ekor. Pemanenan ikan sidat ukuran konsumsi dilakukan pada sore hari agar menghindari stress akibat tingginya suhu pemeliharaan. Pemanenan dilakuan dengan menggunakan waring anco dengan dimensi waring 1,5 x 1,5 m2. Anco diturunkan sampai ke dalam tambak lalu taburkan pakan pellet pada bagian atas waring anco. Biarkan beberapa saat hingga ikan sidat yang akan kita panen berkumpul di daerah pemberian pakan. Apabila ikan sidat sudah berkumpul dalam jumlah banyak lalu tarik waring anco tersebut hingga mencapai permuakan air tambak kemudian arahkan ke pematang tambak. Pada pematang tambak telah disediakan drum sebagai wadah ikan sidat yang telah dipanen tadi. Segera lakukan kegiatan pengemasan apabila ikan sidat telah masuk kedalam drum. Tahap terakhir dari proses kegaitan budidaya adalah penanganan pasca panen. Dengan penanganan pasca panen yang benar diharapkan nilai jual dari produk budidaya tersebut tidak akan turun karena penanganan panen dan transportasi yang kurang baik. Ikan sidat mempunyai nilai jual tinggi pada saat diperdagangkan dalam kondisi hidup dan segar (tidak luka). Untuk itu diperlukan cara pengemasan ikan sidat ukuran konsumsi akan menjamin kelangsungan hidupnya dari mulai penaganan panen di tambak sampai ke lokasi pasar. (MJ-Sidatmania).

Pakan Pembesaran Ikan Sidat

Pakan yang diberikan pada tahap pembesaran berupa pakan buatan berbentuk pellet dangan diameter 0,5 cm. Dosis pemberian pakan sebanyak 1 – 2...

Ikan Sidat Ukuran Konsumsi

Tahapan pembesaran bertujuan untuk memperoleh ikan sidat ukuran konsumsi dengan ukuran > 200 gr/ekor yang dipelihara dan merupakan tahap akhir dari semua kegiatan budidaya ikan sidat. Benih ikan sidat yang digunakan berasal dari hasil tahap pendederan II yang berukuran berat 10 gr/ekor (fingerling). Proses pemindahan benih ikan sidat dari bak penderan II ke dalam tambak pembesaran dilakukan dengan hati-hati dan cepat untuk menghindari stress selama proses pemindahan berlangsung. Disarankan untuk melakukan pemindahan pada pagi atau sore hari dimana suhu lingkungan tidak terlalu tinggi. Benih ikan sidat ditebar dengan kepadatan 4 ekor/m2. Tempat pemeliharaan yang digunakan adalah tambak dengan dimensi 100 x 40 x 3 m3 dengan tinggi air media yang digunakan hanya 1,5 m.dari dasar tambak. Tambak pemeliharaan dilengkapi dengan 2 unit kincir air pedal hole. Air media pemeliharaan berasal dari tandon air yang dialirkan saluran inlet ke dalam tambak pemeliharaan. Volume pergantiian air sebanyak 20 – 30 % yang dilakukan satu kali dengan interval waktu 3 hari. Sebelum digunakan, tambak terlebih dahulu dipersiapkan agar ikan sidat dapat tumbuh maksimal. Persiapan yang dilakukan adalah sebagai berikut : •Pengangkatan lumpur sedalam 5 cm. Pengangkatan tanah ini dilakukan untuk menghilangkan gas-gas beracun pada lahan yang potensial keasamannya rendah. •Perbaikan tanggul. Perbaikan tanggul meliputi pengerasan dasar dan bagian miring tambak supaya mempersulit sidat untuk membuat liang. Pada habitat aslinya, sidat membuat lubang untuk tempat hidupnya agar terlindung dari predator. •Pembuatan sarana biosecurity. Untuk menjaga sanitasi dan meghindari hama dan penyakit masuk ke dalam kolam (tambak) maka diperlukan sarana biosecurity. •Pengisian air tawar. Air media yang digunakan harus terhindar dari polutan berupa pestisida atau bahan berbahaya lainnya. Pemasangan kincir air dilakukan sebelum pengisian air media dilakukan untuk mempermudah pemasangan kincir tersebut. Pengisian air tawar dilakukan sampai ketinggian air kurang lebih mendekati 1 meter dari dasar tambak. (MJ-Sidatmania).

Ikan Sidat Ukuran Konsumsi

Tahapan pembesaran bertujuan untuk memperoleh ikan sidat ukuran konsumsi dengan ukuran > 200 gr/ekor yang dipelihara dan merupakan tahap ...