Month: February 2021

Update Yourself With News by Social Media

Most people will agree that social medias give the biggest impact for our daily life. Social media are both useful and harmful. Some irresponsible users use social media to give bad comment so we need to know how to delete messages from Instagram for our mental health.

Not only Instagram, other social Medias are also as useful and harmful at the same time. Therefore, as smartphone user, we also have to be smart as well. If we carefully pay attention to the benefit of the social media, there are so many things we can do with social media.

What Can We Do With Social Media

In this digital era, most people have more than one social media. They use one social media for the specific purpose. Here are some several points we can do with social media:

  • Communicate easily

By using social media, we can communicate with everyone around the world easily. Now, the distance is not a problem anymore for us to build communication easily. Not only by voice, we also able to communicate by using video call, sending photos, videos, and other documents. Social media makes everything possible now. Moreover, once we get the bad comment, we are able to know how to delete messages from Instagram.

  • Build your business

Currently, social media is used to promote and develop the business. Moreover, since online shopping is more preferable than offline shopping, social media help both customer and business owner to check the product.

Social media is chosen because it is more effective and cheap than other media such as radio, TV, and other printed media such newspaper or magazine. Everyone is able to use social media for all business purposes.

  • Get the updated news

Another benefit we can get from social media is getting the latest news only by hand. We do not have to check the TV or radio to get the latest issue or news from government. Nowadays, most of news media uses social media to deliver the news to reader only in few seconds.

Why Do People Choose Social Media For The News?

There is no reasons why we hate social media to get the latest news from the media. Below are some reasons:

  • Available for 24 hours

Most people must agree that we can access the news in social media for 24 hours in a day. Social media save the news in their users feed so we can read it for 24 hours and for 1 week later as long as the owner did not delete it.

  • Available in hand

Social media can be accessed in our smartphone so we can get the latest news everywhere as long as the internet connection work properly.  This must be useful for us who do not have enough time to watch the TV.

  • Share the news with others

By using social media, we also can share the updated news to our friends, family, or teammate easily. We also will know how to delete messages from Instagram when someone try to send us the inappropriate news.

Steps to Get Home Loan Easily

As one of the primary needs for live, home is every people need to live in. Finding a new home is not an easy task to do. There are so many considerations we should think before decide the best home loan services for us. Nowadays, there are so many options for personal loan instant approval you can try to get the new home.

The price of home is increasing day by day and it makes people to save money more to get the new house. It seems difficult to save more than half of our salary per month to buy a new house by cash for an ordinary employee. Therefore, most people prefer personal loan which is more affordable and does not require any collateral.

Easy Steps To Get Home Loan

To get our dreamy house by loan, here are some easy steps you must follow:

  • Finding the best house

The first step you have to do is finding the best home that fits to your dreamy house and budget. Firstly, you can visit the vendor or another home property office to find the location and the type of the house that they offer to us.

Or, you also can do simple survey directly to the location where you  find the best house. When you’ve find the location, you may ask the vendor or the party that offer the home loan.

  • Ask every detail of the home loan

Once you have find the best home from the location and the type, you must ask them about the detail price including; deposit money, monthly installment, and additional payment for additional facilities as your request. It is necessary to ask every detail of the price to avoid misunderstanding in the future.

  • Book the home

Since you have agreed the price with the vendor, you must book the home. The amount of booking price may vary from one to another. Later, you also can continue with paying the deposit money with it.

  • Register your home loan to bank

Currently, there are so many options offered by bank for personal loan instant approval. They will help you to pay the monthly installment for home loan. Usually, it takes some moment around 2-4 weeks to give the approval. You also need to submit some documents such as:

  1. Passbook
  2. Employment certification letter
  3. The latest 3 months’ salary slip
  4. Copy of ID card, family card, marriage certificate

Later, the bank will decide the amount of monthly installment that is depend on the price of the house and deposit money.

The Most Reason They Reject Your Home Loan

To get the home loan easier, you have to avoid below mistake as follow:

  1. You have more than 1 loan at the same time
  2. They find out your bad record for the bank loan or personal loan instant approval
  3. You are lack of deposit money
  4. Your working period is less than 2 years. Commonly, they require minimum 2 years working period with the employment certification letter.

Fitness Tips For Beginners To Be More Effective

There are many popular sports activities, one of which is fitness. Fitness itself is an activity that can maintain health if you do it with workout schedule template excel. Not only can we stay healthy, but fitness can also make us fitter. Sports including fitness can also cure disease and prevent the risk of disease. It is undeniable that many routinely do sports such as fitness. Besides being healthier and fitter, doing fitness exercises can also lose weight.

What are the points that we should pay attention to when doing fitness for the first time?

Whatever type of sport, it is necessary to recognize every risk of injury. Also, don’t forget to not overdo it. The following will review more clearly fitness tips for beginners.

Stretch first

For those of you who want to fitness, don’t forget to stretch first. It is important to be better prepared to do each workout when you want to work out at the gym. Stretching can reduce our risk of injury during exercise. When stretching before doing fitness exercises, you must do this stretch for 15 seconds. By stretching, you can avoid various risks of injury if you do these stretches correctly.

Start fitness training slowly

If you are new to this fitness, don’t just do it regularly. You don’t have to do fitness 5 days per week although with workout schedule template excel. Things like this for a beginner can be “catastrophic”. Better to start fitness slowly or gradually. Do fitness only once for a few days. The recommended fitness exercise is 2 or 3 days per week. Meanwhile, the time to do fitness is at least 30 minutes per day. But for those of you who are beginners, you can do it in just 1 or 2 days each week. As you exercise more often, you can increase the intensity of your fitness training.

Doing fitness sports in various fields

When you do fitness training, try to do any sports activity but according to your health target. Also adjust to certain fitness targets that you want to achieve, such as building certain muscles. As well as regular exercise outside or at home, you can combine different fields of exercise. Do not only exercise one area of fitness for a day. You are better off doing other types of exercise alternately. With these fitness tips, you will also enjoy it more. If you want your body to stay in shape, do aerobic exercise, strength, or resistance training.

Don’t forget to do flexibility exercises as well as yoga. Another type of exercise that you can try is balance training. Meanwhile, if you want strength training, it’s better not to focus on just one part of your body. Give the same attention to each part of the body in order to get maximum fitness results. Don’t forget to also use workout schedule template excel, so that your fitness training activities can be easier. Maybe that’s all the information about fitness tips this time. Hopefully, it can be useful for all of you.

Functions and Benefits of Budgeting

Budgeting is one of the most important things in the financial management of a company. Without good budgeting, the financial management of a company will not run optimally. Budgeting is the process of making a budget or financial planning process. You can use a budget template to do budgeting better. Budgeting is usually done regularly.

Function Of Budgeting

There are several important functions of budgeting :

  1. To Find Out The Initial Capital

By doing good budgeting, we will find out the ideal amount of initial capital to run a business. That way when the business is run, we don’t have to worry about lack of capital because everything is well planned.

  1. To Achieve Sales Targets

With the budget that we have created, it is easier for us to find out the sales and also the expenses incurred by the company. That way if the financial flow does not go the way we want, we can adjust costs so that later we can still achieve our sales targets.

  1. To Maintain Company Finances

With the existence of a financial budget from the company, it will be maintained in good condition. We can easily monitor the income and expenses of the company. That way if there is an inefficient cost, we can immediately know and change it to be more efficient. If we do this, the company’s finances will be maintained in good condition.

  1. To Support Business Plan

A well-made budget will support the company’s business plan. Financial planning is an important element in a business plan. Therefore, in order for the business plan to run well, support is needed in the form of good financial planning. You can use a budget template for better financial planning.

Those are some of the important functions of budgeting. Next, let’s understand the tips for financial planning.

Tips In Financial Planning

There are several tips in financial planning :

  1. Research

Research needs to be done to find out the latest price of each item used in company operations.

  1. Evaluation of Previous Budgeting Periods

You need to evaluate budgeting in the previous period to find out which components need to be changed. This needs to be done as a basis for consideration in financial planning in the coming period.

  1. Compare Budget and Financial Statements

Use financial reports that have been prepared as a basis for readjusting costs incurred by the company to be more efficient in future periods.

 

  1. Prepare a Backup Plan

You need to make a backup plan to deal with various uncertainties in the future. With the backup plan, the company will continue to run well even though there are some events that are beyond expectations.

  1. Use the Right Budgeting Techniques

You can use budgeting techniques based on the divisions in the company. By providing flexibility for each division in the company, the resulting budget will be more accurate. This is because the division leader must be very familiar with the various costs required.

Those are some tips in financial planning. You can apply some of the tips above to get a higher quality budget. Use a budget template to do budgeting better.