Business and Financial Needs

Posts Tagged ‘FInancial Info’

tips to avoid Phishing

1. Customers do not easily believe the transaction related to anyone although known a long time.

According to David, in the case of burglary Rp17 billion in customer funds, Citibank announced yet in details mode operand by police. But, at least, suspect bank break-ins MD (47) is a senior relationship manager (RM). He was given the trust to handle all customers ‘ transactions.

Therefore, MD know close to its customers. So, any customer who adhere entrust all transactions to the MD. Whereas, the SOUP should not be so. The customer provides all of the data to RM including account number, password and user ID.

Since it’s been a long, trust and know it as long as it was running good, clients submit data to ROM. “after trust, should be followed by the correct SOP. Therefore, the customer, do not completely trust the RM, “he explained.

2. the customer must ensure that the transaction is unconfirmed by the auditor that control the risk of a transaction.

That is, according to David, the transaction was not only submitted to the business as MD, but must also be followed by the control of risks (internal risk) and auditing (internal auditor) so that one transaction was not given only to 1 person only. “If not, the business tends to be manipulative and abusing his position,” he added.

In the case of MD as a priority banking or RM serves major customers (customer prime) with a huge funds. This type of customer, usually already lazy handle transfers, so submitting to one man who handle all transaction activity related to a bank or investment. “Because it could break up, MD Rp17 billion even bigger than that,” David demolished. Don’t completely trust the RM.

3. the customer must ensure the transaction goes according to procedure.

According to David, the customer must ensure that the entire transaction is running as it should. Especially, from the side of internal risk management risk and internal audit. “In the case of MD, break-ins teamed up with teller. Moreover, RM cater to special customers, “he added.

As reported, a woman the initials MD (47) employee of Citibank Indonesia so suspected breaches of bank customer funds in place to work. The corresponding data and then move the account to manipulate people into their email account on your own. Consequently, many customers so the victim.

Utilization of social networking (social media) such as Facebook, Twitter, or LinkedIn in the activities of the business not just a promotional medium.

“Should companies use social networking as a social business that is to empower them to productivity,” said Manager Software Group IBM Indonesia, Nina K Wirahadikusumah, in a press conference here on Friday.

Nina says era of social business began when a growing number of organizations or companies who consider social media as a way to win the competition and earned a profit.

“One of the ways to improve the productivity of the company is carried out by adopting a social networking model to establish interactions with employees (internal), customers, and partners (external),” said Nina.

Internal company interaction, according to Nina, not only requires a system, but also requires a culture of communication within the company.

“Why after someone can communicate openly with his friends in social networking, he is not able to open with colleagues to be more productive,” said Nina seraya described the open communication that should be based on responsibility.

Meanwhile, the interaction of external enterprises, further, means the company sued by Nina for more creative to communicate with customers and business partners through the social networking model.

“In order to keep customers loyal, companies can link messages on the social networking site with companies through special software especially messages that are complaining,” said Nina.

Nina says IBM offers solutions for companies or organizations to utilize social networking interaction model as a tool of development and business opportunities.

The Best Way To Run A Business

A lot of people who want to become a businessman reliable but it is difficult to start a business. Below there are several ways to run a business well, namely:

1. Skill saw business opportunities that exist around You
Sometimes we off guard against business opportunities all around us. Therefore, the first step to pioneering business is how we can leverage skills saw business opportunities all around us

2. the willingness and courage to bear business risk that may occur.
Many people do not dare to start a business for fear of going bankrupt or failing. This is causing people not to be able to run its business properly or do not even dare to start. You should dare to tread.

3. a basic understanding of your business model.
You should know how your business model so that it can run properly.

4. Actively maintaining reputation
Keep your business reputation is already quite heavy road. Therefore, the challenge for you to maintain your business to stay ahead.

5. Expand Your network as your business continuity support

Thus, you will become a reliable businessman for having way your business well and maintain it to keep getting better

Without doubt, the ease with which they offer fast loans fall more than one, especially if you experience a great need for immediate resources to deal with an emergency.

Fast loans do not give large amounts: the amount ranges from 500 to 6,000 Euros, and with a term (apparently comfortable) from two to five years. Not to read the fine print, can mean huge costs for the customer.

Most financial offer fast lends its “preconcesión” within 24 hours, with the unique requirements of a payroll and an identity.

To return, the lender gives the customer a chance to pay according to their possibilities: a higher fee to pay in less time or longer terms with lower fees.

Where, then, the problem of credits granted so easily? At your expense, in the high interest they charge to change these facilities.

At this point you are doing, decided to enter this blog, read it every now and then, apply some concepts or ideas. Obviously this blog is only 1% of what you need to re-educate. For this reason I decided to create this post and deal mainly with the issue of lack of money, or money to burn. Precisely for that reason is that they say “Sir / Madam, invest in this, it is best to make money.” The idea is that you acquire this education on their own and do not be a robot and follow the advice of someone who could get wrong.

Tip 1: bad and good habit Habit

Almost always the way to work, back in the car with a friend. I’m very protective of those I love or anyone entering the car so I demand that you please use your seat belt, accidents are accidents and you never know when, where and with whom it will. The first few months every day I had to ask my partner to put the belt, now you do unconsciously. This is a good habit, not using the belt a bad habit.

Financially the same. Bad habits can be compulsive or impulsive spending, debt, always use credit cards, do not manage the finances, etc, etc, etc.

Read the rest of this entry »

Not to the point of talking at the level of the national economy, but rather trying to take as the axis focus to the subject or the person holding the money, we can say that A or key facto in this process is you. Robert Kiyosaki mentioned in many of his books that people are accustomed to bad money management. At this point I strongly agree with him. But the key question is: What factors contribute to our financial ignorance?

The answer is simple: financial education they gave us.

Until today I have not seen in schools and universities to touch issues about money management and personal finance. No topics such as taxes, banking. Issues that we deal with almost 80% of our lives. In other words, they are forgetting an important education 80%. Read the rest of this entry »