Finance

In this article, we will briefly try to explain to you about the Korindo Group profile that many still do not know. Korindo itself is a company engaged in various lines of industry. The company itself has been running for approximately 50 years. Then, what is Korindo’s contribution to the economic development in Indonesia? This time, we will try to discuss Korindo’s major contribution to the Indonesian economy.

Korindo Group Profile’s Major Contributions to the Indonesian Economy

Here are some major contributions done by Korindo Group for Indonesian Economy.

1. Creating Job Opportunities

One of the economic problems faced by developing countries or third countries like Indonesia is the difficulty in finding a job, due to the lack of available jobs. Meanwhile, the number of unemployment in Indonesia is high. One of the best contributions of Korindo today is that they managed to open up job opportunities, thus helping Indonesia in reducing the number of unemployment.

2. Helping to Build the Economy in Underdeveloped Regions

One of Korindo Group’s vision and mission is to develop underdeveloped areas by establishing and expanding their businesses to remote areas. Korindo also helps in improving the access of the region and helps in improving the economy of the local community. Korindo currently employs at least 10,000 people in Asiki, which is still included in the Papua region.

3. Increasing Local Tax Revenue

Korindo has contributed greatly to increasing the amount of regional tax revenue, especially in Merauke Regency and Boven Digoel Regency. The increase experienced by the two regencies reached 30% and 50%.

4. Providing Health Facilities in Remote Areas

In addition, Korindo also provides health facilities in remote areas. One of them is in Asiki, which is the first health facility built by Korindo. Here, Korindo even provides examination and treatment that can be done for free.

5. Korindo Helps Build Independent Neighborhoods

Korindo itself has an activity known as CSR. This activity seeks to help the community in obtaining an independent environment, by assisting in the form of businesses that can be carried out in rubber plantations, as well as training in the poultry farming sector.

6. Playing an Important Role in Helping Improve the Quality of the Domestic Economy

Korindo is a large company and has various business lines. Korindo itself operates as a company that promotes the sustainability of nature. In the process, Korindo has a huge contribution to the Indonesian economy.

Because Korindo is a company that absorbs local labor, provides economic improvement in various underdeveloped areas in Indonesia, and Korindo is also responsible for infrastructure development in remote areas, such as road repairs, establishing health facilities, and many more.

This role ultimately makes Korindo a major contribution to the Indonesian economy, as it has significantly reduced unemployment and improved the economic level of the region.

7. Helping MSMEs

One of the ways Korindo wants to change the economy of Indonesia is that Korindo is a company that cares about MSMEs. Korindo provides a lot of assistance to MSME players and until now, still routinely provides training to residents to become more independent.

Business Lines Owned by Korindo Group

As the largest company in Southeast Asia, Korindo has various business lines that have a major influence on the Indonesian economy. The following are some of the business lines owned by the Korindo Group profile.

1. Plywood Industry

Korindo has a business that produces veneer. This line of business is one of the oldest lines in Korindo. This veneer production will later be distributed to other industries, making Korindo the largest supplier of veneer business for the Asian region.

2. Engaged in the Palm Oil Business

Korindo also has a business line engaged in palm oil. The cultivation of oil palm for industrial purposes is Korindo’s business line and is also the largest supplier of oil palm in Asia.

3. Paper

Korindo is the largest paper supplier in Southeast Asia. Until now, Korindo is still the best supplier of quality paper and has a name in the world’s major industries. The paper itself is a business line from Korindo that has been around for a long time and still produces paper, both for newsprint, books, and many more.

4. Rubber Plantation

In addition to playing in the palm oil line, Korindo also plays in rubber plantations. The rubber produced by Korindo will later be remarketed to be processed into a variety of needs and goods. Starting from tires to textiles.

Brief History of Korindo Group

Korindo Group itself is a company founded by a Korean conglomerate, named Eun- Ho Seung, in 1969. Korindo itself is a company engaged in the largest logging and plywood business today. Not only that, Korindo Group is also the first company to engage in humanitarian and reforestation.

So, that makes Korindo not just a company, with the foundation established by Korindo itself, Korindo has succeeded in helping and contributing to advancing the Indonesian economy. That is a little information on the Korindo Group profile that we can share with you this time.

In activities such as photography, choosing the best camera for birding on a budget with the right equipment that will be used to fulfill your hobby is very crucial. Especially if your hobby is related to photography, wildlife photography, or astrophotography. These two types of photography require good equipment to be able to achieve maximum results.

How to Find Good Camera Lenses for Birding

This time we will try to share tips on how to choose the best camera for birding on a budget for those of you who like watching birds. Indeed, those of you who want to do photography of the animal world must have a camera that is capable and able to work well, because there are still many people who are confused about what camera to use, this time we will share tips with you on how to find the right camera for you. bird-watching activities.

The following recommendations will be very suitable for those of you who might want to start exploring the world of bird photography and also for photographers who might want to upgrade the equipment they have. Let’s start!

Choose Suitable Gear but don’t Be Careless

If you might be interested in the world of bird photography, then one good piece of gear that you can use is an APS-C camera. This type of best camera for birding on a budget can exchange lenses, making it more flexible, and has a telephoto lens that can reach 300mm.

To choose a good APS-C camera, you can choose a high-speed camera, it must also have good focusing capabilities. This is because to observe birds, you need a camera with good focus and a high shooting speed too. For your own camera choice, you can use the Canon EOS-R7 camera. This camera is used and designed for nature photography purposes, so it is very suitable for you to use for bird or wildlife photography.

The Right Camera Lens

Now it’s time for us to talk about lenses. If you want to do wildlife photography or bird watching, you will ideally want to use a lens that can exceed 300mm. However, to achieve maximum results you can use a zoom lens with a size of 400mm. However, for those of you who may be interested in photographing smaller birds, you can use a lens with a size of 500 to 600mm.

How to Choose a Telephoto Lens for Bird Photography

We know that single lenses are not suitable for everyone. Each type of photography has its lens requirements. If you like doing bird photography, then here are some tips for choosing the best telephoto lens that is suitable for use in bird photography.

1. Focal Length

Focal length is the distance (in millimeters) from the center of the lens to the sensor when the subject is in focus. The lower the number, the wider the shot. The higher the number, the longer the zoom.

2. Aperture

Aperture is a measure of how much light can enter your camera. This is represented by the letter f and a corresponding number, collectively known as the f-stop. A small aperture number like f1.2 means the aperture is wider, which allows more light to enter the lens, making it great for shooting in low light.

3. Prime lenses vs. prime lenses Zoom lens

Get a prime lens if you want to inject more brightness into your shots and be able to change and correct shooting mistakes easily. But if getting as close as possible to the subject is your main priority, then you should get a zoom lens.

Best Settings for Bird Photography

Below are some of the best settings to help you in setting your camera for bird photography. For those of you who like bird photography, maybe these tips will be useful for you, especially for those of you who are still beginners.

1. Camera Settings for Photographing Birds

After that, we will talk about the right camera settings, so you can photograph birds correctly and easily. So, here is how to set the best and most appropriate camera settings.

First of all, the most important setting issue in photographing birds is the shutter speed. The highly recommended speed for shutter speed issues is around 1/250 of a second to get photos of still/slowly moving birds, and 1/1000 of a second can be used for fast-moving or flying birds.

So that you can get the shutter speed you want, you can use two methods, namely by using a mode called S/Tv or (Shutter priority) then you can set the shutter at the desired number. Then you can increase the ISO if perhaps the light conditions are not so good or dark. There is also a function called Auto ISO on the camera so that later you can help.

2. Shoot in Manual or Shutter-priority AE (TV) Mode with a Set ISO Speed

If you are going to use auto-exposure mode, you must pay attention that the camera must always measure and calculate the best lighting, which will slow down when the camera captures images. If you use a mirrorless camera, this can also be used to slow down the EVF when the camera updates the image display at the same time or in real-time. One of the best ways to help reduce processing is to activate full Manual mode.

3. Disable High ISO Speed Noise Reduction

So, to make you have good photos, you can disable noise reduction mode with high-speed ISO. By using this method, your photos will be clearer and more detailed, because usually objects such as birds have high flight speeds. With this method, you will find it easier to capture a flying bird. That’s why, this method is highly recommended.

These are some things you need to know, especially for those of you who want to pursue the world of wildlife photography, especially birds. These are some ways to choose a lens and the best camera for birding on a budget and also some tips for photographing objects that often move well. Hopefully, with this information, you will be able to gain new insight into the world of bird photography.

Maybe many people don’t know that there are jobs in finance that can be done from home. This is nothing new, even long before the term work from home, which was popular during the COVID-19 pandemic.

Several companies have implemented full-time work-from-home finance systems, and many independent contractors employ freelancers in this field.

To find out what these jobs are, this article will discuss the top 3 finance jobs that can be done from home.

3 Financial Jobs You Can Do at Home

If you are an expert in the finance industry but want to have a job that suits your skills with a flexible schedule, then choosing work from home as a finance workforce is the right thing.

Here are 3 types of financial work that you can do at home, including:

1. Independent Financial Planner

You can work as a financial planner and advisor at home as long as you provide a conducive and professional environment when clients come to visit you for financial advice.

Because clients come to the house, it means you have to consider several things, such as a special room as an office, toilets for visitors, and vehicle parking lots.

Opening your in-home financial planning and advisory agency means you save the money and effort that you would normally have to incur if working in an office outside your home.

2. Corporate Finance Career

There are several types of financial jobs that you can choose from, such as public accountants, financial analysts, computer programmers, tax analysts, and many others.

These types of work are now often outsourced to independent contractors and finance workers can work from home. This is because some companies are reluctant to provide expensive buildings or rooms or facilities.

3. Finance Writer

Working as a financial writer may be the profession most people rarely know can work at home, but you can be one.

As we know today people are looking for information about anything on the internet, including finance. You can write about finances in the form of articles, blogs, websites, or similar.

With a large flow of visitors reading your financial writings, you can make this profession a flexible but promising job from a financial point of view.

Benefits of Doing Finance Work from Home

Completing financial work at home means you can work remotely without having to go to the company office every day. There are several benefits felt by financial workers who work at home, including:

1. Time for work and rest is more balanced

In contrast to office workers who spend all day at the office and only come home to rest, as a financial worker working from home you don’t need to feel all that.

You will have more time to do your hobbies and spend time with your family.

2. A healthier lifestyle

Because you have more flexible time, you can fill your morning time by exercising and having breakfast. Then you can also do light stretching if you feel you have been sitting for too long at work. Your meal schedule will also be more regular if you work at home.

3. Can improve more skills

With more time available, you can improve your skills by attending seminars. Or at the same time add new skills so you can add more jobs that can make money.

4. Job satisfaction increases

Decreased stress levels make job satisfaction increase. When able to complete work better and faster, of course, this will increase job satisfaction so that employees become loyal to the company.

5. Avoid the disturbance of the work environment

Often there are co-workers in one office who are toxic, disruptive, or often cause problems. People like this are very disturbing in terms of work productivity.

Not to mention other distractions in the office that affect a lot in terms of working mood and productivity. In contrast when working from home where the atmosphere is more comfortable, calm, and conducive so that you are more focused on work.

Those are financial jobs that can be done at home and their benefits. This job is perfect for those of you who are knowledgeable in finance and want to work from home without having to drive to the office every morning.

If you’re WWE fans, you might wonder about Liv Morgan status right now. Is Liv Morgan from WWE married? How much the salary of WWE player like Liv Morgan and her husband? Do they still make a lot of money? Well, here we will breakdown through everything just for you.

WWE stars like Brock Lesnar and Hulk Hogan may earn millions of dollars, much like athletes in other sports leagues. But, those who are not as popular as both stars don’t make as much money as they would in other sports. This is due to the fact that, similar to the UFC, a variety of factors affect a WWE wrestler’s compensation.

Basic Salary

According to a Forbes article, the WWE wrestlers’ basic wage is their primary source of revenue. Since there is no union for wrestlers, each one negotiates contracts and compensation with the WWE. The basic wage for each wrestler varies greatly as a result. For instance, among the basic wages Forbes listed, one of the lowest was $52,000 year, while one of the highest was $5 million.

But these pay rates are also subject to change because the WWE views its wrestlers as independent contractors. For instance, Forbes stated that a wrestler’s pay might be deducted for each match they miss if they are out for a few weeks due to an injury.

However, as the WWE strives to keep a tight lid on its contracts, additional information about the typical wage for a WWE performer is limited. Forbes reported that WWE claimed the typical wrestler made $500,000 annually, but given how secretive WWE is, that statistic may not be accurate.

Qualification and Income

Both a sport and a humorous source of entertainment, wrestling has both. Professional wrestlers, like Dwayne Johnson, who has a massive fan base and makes millions of dollars annually, often use a ring moniker like “The Rock” in place of their own name. For instance, according to the Sports Grail, or TSG, professional wrestler Brock Lesnar earned $12 million in 2021, followed by John Cena and Roman Reigns, who each took in $8.5 million and $5 million.

Top professional wrestlers have made millions of dollars through wrestling and movie roles, but the majority of wrestlers make far less money. According to the employment website Simply Hired, professional wrestlers made an average of $51,537 per year as of 2021. Self-reported earnings typically fell between $23,237 and $114,301 annually.

The more matches these wrestlers compete in, the more money they make per match. The majority of professional wrestlers hone their talents by competing in high school or college matches and by working out to gain strength and stature. To study the techniques utilized by the wrestlers on television, many then enroll in wrestling schools. Physical power and endurance, perseverance, athleticism, passion, devotion, focus, and good judgment are further prerequisites.

Merchandise, Endorsements, and Royalties

Royalties are a sizable supplementary source of income for the top stars and retiring celebrities. However, as Forbes once again notes, it varies greatly case by case, and the less well-known stars won’t benefit significantly from these things.

The wrestlers who are featured on merchandise often receive royalties from the WWE in the amount of 25% of net receipts. But only if just one wrestler is represented on the merchandise. If there are several wrestlers, the 25% is distributed equally among them.

Professional wrestlers may increase their income by honing their abilities, developing a distinctive identity, and exerting extra effort to draw in spectators. The demand for the wrestler’s services may rise as a result, increasing their number of matches and money. Ability and popularity generally influence who earns the most in the sport. Once they build up devoted fan communities, they could earn more through public appearances, sponsorships in advertisements, or landing parts in television shows and films.

Endorsements, however, are a simpler method for wrestlers to earn compensated outside of the WWE. That said, since each wrestler and organization is different, the value of endorsement deals varies a lot.

Just take an example of Liv Morgan, which is currently quite popular on the internet. Is Liv Morgan from WWE married? This question asked by many internet users and this is the proof of her fame. Since Liv Morgan is popular, she actually make good salary per-year. According to some sources, she can earn up to $100.000 annually (apart from merchandise, endorsement and so on).

Mathematics is a science that we can easily find in everyday life. The science of mathematics has so many benefits both in general and specifically. In general mathematics is used in commerce and carpentry. In addition, mathematics is a dynamic and flexible science so that it can keep up with the times, like a computer that uses mathematics as a programming language.

So there are so many benefits of mathematics, especially regarding finance. For instance the 30 60 90 triangle formula that can be used in everyday life.

Mathematical Skills In finance

1. Algebraic Functions

All functions are calculated algebraically. For example fractional functions, linear functions, quadratic functions and others.

The following types of algebraic functions:

• Linear function: a function where the highest rank is the independent variable = 1. For example: Y= 3X + 2
• Polynomial function: a function that contains many terms in an independent variable.
• Quadratic function: a function where the highest power of the independent variable = 2. For example Y = 3X2 + 2
• Cubic function: a function where the highest power of the independent variable = 3. For example Y = 3X3 + 2
• Algebraic function: a function where the variable is a root or is called irrational.
• Exponential function: a function whose independent variable is the exponent of a real number, for example Y = X2

2. Non Algebraic Functions

A function that is not expressed algebraically. This function is usually called transcendence. Such as logarithmic functions, exponential functions, hyperbolic functions, and trigonometric functions.

The following are non-algebraic types:

• Logarithmic function: the inverse function of the exponential function. For example X = a log y
• Exponential function: a function with an independent variable, namely the rank of a constant. For example: f(x) = 3X
• Hyperbolic function : a function with a combination of exponential functions which has derivative and anti-derivative formulas.
• Trigonometry functions: functions where the independent variables are goniometric or have a meaning as a function that maps angle sizes with algebraic numbers. For example Y = Sin 6X . You can use Sin, Cos or Tan.

3. Economic Mathematical Functions

Mathematics has so many benefits, one of which is in solving everyday economic problems where mathematics can solve problems such as exchange rates, business economics, micro & macroeconomics, stocks and others.

Mathematics is also in analyzing economic problems such as selling prices, buying, profits and losses. Not only that, but with mathematics you can determine the value of taxes, interest on loans and others. The following is an economic mathematical function:

• Creating alternative business targets to simplify calculations.
• Assist in assessing and managing business plans, both low, medium and large scale.
• Be able to analyze stock exchange investments, also known as the capital market.

Objectives of Mathematical Economics

• Can calculate the amount of tax that has been set in a service or goods.
• Describe and characterize the shape of the demand function of a service or goods and determine the point where the market equilibrium occurs.
• Calculating the subsidy set on a good or service.
• Draw a graph of the supply or demand function and the equilibrium point due to subsidies.
• Calculating the amount of use and satisfaction obtained from someone who uses a service or goods.

Benefits of Learning Mathematics for Life in General

It is undeniable that this life cannot be far from mathematics. Here we will explain some of the benefits of mathematics in life:

• Can practice patience

By studying mathematics it can be useful to practice patience, because to solve problems, you need a long time to solve these math problems. Not only that, in the center you can’t focus, so the results are wrong.

That way it is said that studying mathematics can increase patience. For example, when working on math problems with the formula 30 60 90 triangle formula.

• Help manage finances

The main goal of learning math is that you can count. From counting you can apply it in everyday life such as managing finances between income and expenses.

• Develop logic

By studying mathematics you can develop logic, because to solve a problem you have to think logically without any assumptions.

• Think systematically

If you study mathematics, you will think more systematically. This is because you often practice series and calculations so that your brain will automatically think systematically or regularly. By getting used to it, it will make it easier for you to organize something.

• Can draw conclusions deductively

The purpose of deductively concluding is to see patterns in general so that you used to thinking objectively. By getting used to working on logical math problems, you will get used to thinking rationally.

One of the mathematical formulas that is often used is the 30 60 90 triangle formula and various discussions of mathematical skills used in economics or finance such as algebraic functions (linear, exponential, cubic, polynomial, and exponent) and non-algebraic functions (logarithmic, exponential, trigonometry , and hyperbolic).

One of the biggest challenges for the owner of a trucking company, especially for trucks that provide dispatch services, is keeping costs down. Operating a fleet of trucks is a fairly expensive business. These high costs can be affected by economic conditions, changing seasons, fuel prices, and sometimes, unforeseen repairs or maintenance.

The costs required for the general needs of running a fleet of trucks alone can cost a lot of money. Things like routine maintenance, tire wear, and replacement of parts may be accurately calculated, but things like fuel prices are hard to predict. Security is also another cost factor. One serious accident can even cost you more than the entire truck price to repair and cover any damages and losses. Therefore, a truck owner needs to implement good operational management in order to save money.

For company management, it is mandatory to encourage operational cost-efficiency. Operational costs are a burden for the company, so if the income and operating costs are not balanced, there will be losses. Finding ways to reduce truck fleet costs is part of any economical fleet management plan. Operating a truck fleet in a cost-effective and effective dispatch service requires expertise in calculating and predicting overall costs. Your goals and strategy are key factors in setting key performance indicators that drive decisions on your fleet organization, personnel management, vehicle assets, and vendor selection.

Tips for Saving Truck Fleet Operational Costs

High vehicle operating costs are often a major problem for fleet managers, especially if they do not know for sure the source of the problem. Therefore, efficiency is a very important thing, here are tips for saving fleet operational costs.

1. Saving Fleet Fuel Operational Costs

Since fuel is one of the main expenses in vehicle operation, you need to monitor how efficiently it is used. Efficient or not can be seen from fuel consumption, mileage, and duration of operation, then compare between similar vehicles. This monitoring helps you find vehicles that are consuming gas and make the right decisions to improve their productivity.

One way to monitor efficiency is to install a GPS tracker on your truck fleet. Using a connected fleet management system, GPS Tracker is able to monitor fuel. Provide insight/report on fuel consumption of each fleet. It’s easy to spot the most fuel-inefficient vehicles, learn why they happen and find solutions.

The practice of fuel theft and fraud in fuel purchase claims can also be detected and prevented. Other fuel savings can also be made by reducing idling (leaving the engine running for a long time when the vehicle is stopped or parked). The GPS tracker can detect idling and send real-time alerts.

2. Driver Evaluation and Education

In order to reduce losses due to vehicle damage and accidents, the driving behaviour of drivers must be reliable. Aggressive driving behaviour, such as speeding, sudden braking, sharp cornering, etc. Increases the risk of the vehicle wearing out quickly and causing an accident. Driving behaviour management will reduce vehicle maintenance and repair costs, prevent injuries and deaths, improve fuel efficiency, and reduce insurance premiums.

3. Good vehicle maintenance management

Regular maintenance can extend the life of the vehicle thereby reducing operating costs and asset depreciation. That’s why vehicle maintenance management is needed, which allows you to predict maintenance times and costs, as well as take into account the replacement of parts and obsolete vehicles.

Use schedule reminders so that no maintenance schedule is missed and reduce roadside repairs when carrying out dispatch services that make trips less effective. Perform thorough checks and scheduled maintenance, to ensure the fleet remains durable and can operate optimally, as well as prevent downtime and damage.

4. Route planning

If your vehicle frequently trips from the same starting and ending points, you may have tried several alternative routes. From this trip history, you can measure and determine which route is more efficient in your typical hours in terms of mileage, duration, and fuel consumption. With a more efficient route, operational costs in terms of fuel are reduced, and the number of shipments can be more.

Those are some tips and ways for you as the owner of a truck fleet provider company in dispatch service to save money from operational expenses.

The trucking business seems potential as it is in high demand in our society nowadays. This kind of business is popular recently as more shipping needs to be done to fulfil people’s needs. No wonder this promising business has given birth to many Trucks Dispatch Company all around the world.

Are you one of the trucking business owners? If the answer is yes, you must understand that this business is not cheap because you need to own vehicles as your main equipment. The vehicle is just the main equipment because you need to fulfil your service business with much-supported equipment to make your work easier and safer.

Making More Money from Trucking Business

Truck Dispatch Company usually has their regular customers as they already have their links and fields to do their work. As this business is in high demand, it is not that hard for Dispatch Company to find their clients.

It will be a different case for small trucking business owners who simply make money by delivering freight from one place to another place from their door-to door-services. Even though they are in the same field of business, they have different ways to make money. That is why, small truck fleet owners, need to find out the best ways to save their money.

Some Tips to Save More Money for Truck Fleet Owners

Competition is something usual in the business field no matter how potential the business you run. That also happens in the trucking business, and all truck owners wish to earn more and more money from their business. The trucking business is an expensive business that you as an owner have to be able to reduce fleet costs.

Here are some ways you can do to reduce fleet costs.

1. Re-treading tires

The money you have to spend for truck maintenance is not cheap and it has a significant portion of your costs. Instead of purchasing the new tires, you can re-tread the old ones that are still in good condition. The cost of re-treading an old-tires is only one-third the price of purchasing the new one. This way is great to save money so that you can remind the budget to do something else.

2. Reduce the loads

Putting heavy loads and equipment in your trucks will lower fuel efficiency. Train your employees to only put the equipment they need on the fleet. When the vehicle is not in use, tell them to remove the roof tracks because it can increase the fuel usage up to 30%.

3. Apply efficient driving procedure

Aggressive driving is not an effective way to save the fleet’s fuel economy. So, whether you are a truck driver or trucking business owner, you need to know that one of the most essential parts of your fuel economy is on your wheel.

A proven study showed that aggressive driving, including speeding and fast accelerating, and rapid breaking will reduce fuel efficiency up to more than 25% at the highway speed. Train your employees that aggressive driving will be wasting time for Truck Dispatch Company.

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.

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.

2. 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.

3. 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.

4. 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.

2. 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.

3. 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.

 

4. 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.

5. 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.

There are many people who know about investing. Today’s investment is easy for anyone to do at this time. Meanwhile, the purpose of investing is to get benefits for the future. So this investment is a good thing for everyone’s needs for old age to make money online.

Things To Look For In Investment

Even though investment is very promising, it can also make you get bad results. This is due to the many investment frauds that often occur. In other contexts, feeling cheated can also be caused by the person making the investment themselves. For example, because they lack understanding of the investment they are making. So you have to know the right way to start this investment activity. Here are the steps to start investing for those of you who are making that investment for the first time.

Do Investment Research First

It should be noted, before we make an investment, be it stock investment or other financial service investment products, it is better to do some research. This must be done first in order to prevent bad possibilities later. Before investing, you can start by comparing several types of financial products or services. Compare especially about the strength of the service or product whether it is well received by the market to make money online or not. Then make sure also the type of product or company you want to invest in matches your own character. This will make you more motivated to invest. Also make sure your investment is in accordance with investment goals, because everyone will be different in terms of this investment goal.

Start Saving Money

To invest, of course money will be needed. So you have to set aside and then allocate funds specifically for investment. The bigger your investment, the greater your chance to get a higher return from this investment. But also consider the risks that will arise from these investments. Especially for those of you who are investing for the first time, you must analyze the risks of this investment.

Looking For The Right Investment Solution Provider

To invest, there are many investment tools or services that can be used. Many stock investment service providers and including mutual funds that we can use. But it’s better to look for one with a good reputation, because it will provide solutions around investment that can be of maximum benefit to us. Not only is it an intermediary for investing, but there are also other benefits that can be obtained. It is better if you survey about satisfaction in some of these investment solution service providers or financial solutions. So that it can determine which one is the most appropriate.

Must Know How To Invest

You need to know how to invest your capital or money. For example, long or short-term investment. Of course, determining the investment time and also the investment risk profile is very important, including choosing the appropriate investment instrument when make money online. Some of these things can determine what the future of your asset ownership will look like.