In Trouble

            Trouble, Who here never get in trouble? 100% of us can definitely be a problem either simple problem solved, and even need many years to complete. But I will be talking about a matter of why consumers are not able to pay the bills. The Bill could have been related to the water bills, electricity bills, or other bills.

            Continue to appear questions why consumers can't afford to pay for it? approximately 48% are caused by loss of income, 25% are caused by overextension, 20% defective goods and service, 4% fraudulent use of credit, and 3% other. Loss of income because unemployment, illness, divorce or death. Overextension because poor money management, emergencies, materialism, and need for instant gratification.

            So what should we do if you have difficulties in paying the Bills? We need to know our income is, whether we can afford it, if not we can afford it with multiple payment such as paying in form three times or six times. Next to do is downsize, then identify the need or desire you do a budget with your income, so that it can help you to pay and it is possible that excess revenue be used for savings or investment. Then contact your creditors tell them why you can’t pay, that you intend to pay, and when/how much you will be able to pay. You may be able to work out a new payment schedule, If possible, continue to make the minimum payments.

            So should we all friends have to figure out what our needs first, so that the money we use in accordance with our expectations, if we do not use with appropriate then we would have difficulty in paying the supposed we could afford it and even we can save money, but we had to use savings to pay for it. so we had to do a budget to help us to more easily resolve problems in spending the revenue

Telemarketing Fraud

          Telemarketing fraud is one of the most persuasive deceptions identified by the Federal Trade Commission (FTC). The term is also used for telephone fraud not involving selling. Telemarketing fraud often involves some sort of victim compliance whether it involves the victim initiating contact with the perpetrator or voluntarily providing their private information to the offender, thus fraud victims may experience feelings of shame and embarrassment that could prevent them from reporting their victimization. Older people are disproportionately targeted by fraudulent telemarketers and make up the 80% of victims affected by telemarketing scams alone. Older people may be targeted more because the scammer assumes they may be more trusting, too polite to hang up, or have a nest egg. Telemarketing fraud is a type of strategy, which a criminal communicates with a potential victim through the telephone. This is where the criminal will pitch a product or service in order to persuade you into purchasing this good or service, and effectively getting the victim to hand over their credit card details and information/ identity to make unauthorized purchases, telemarketing fraud can also be known as a scam.
          Knowing about the warning signs will help you understand about the type of telemarketing fraud that can come to us everytime without looking who you are. The power is in the “insistence”, it will comes out from the seller’s mouth that purposes to make you will buy the items. They are using a rude way to make you turn into e decision. Overall the points are, high-pressure sales techniques, insistence on an immediate action, offers that sound too good to be true, a request for your credit card number for any purpose other than to make a purchase, an offer to get your money quickly (e.g., pay for overnight mail, send someone to your home or office to pick it up), a statement that a product or service is free, followed by a request that you pay for something, claims of an investment that is “without risk”, inability or refusal to provide written information or references about the company, product, service, or investment, suggestions that you should make purchase or investment based on “trust”.
          Next is about how to avoid yourself from being a victim, first is don’t buy anything on terms you don’t really understand and when they are suggest, don’t be pushed into a decision. Find the written information about organization and product or investment, investigate the company or organization. Request the name of the federal agency by or with whom the firm is regulated or registered. Don’t believe testimonials you can’t verify, testimonials can be buy. Don’t provide any personal financial information, if you must so hang up.
          So we should be concerned with what it got from someone, do not accept just what we get, but we also need to read and make sure whether there is really a mere hoax or so we can find out the truth and do no harm and regret at a later date.

Credit

Advertising

                Advertising is a natural thing for us know, because as the growth in time is moving forward we see a wide variety of diverse forms and an advertising model, so don't we just watching without knowing the notion of advertising itself. The ads also we need to understand that we can be more professional in every time we're doing the ads. By knowing the ad then we'll be able to put ads in place. Advertising is activities notify or inform one thing, goods or services through the mass media both online and offline. The media that is used, among other television, radio, newspapers, magazines, internet, cell phone, posters, pamphlets, brochures, banners and others.

                Did you know “indomie”? When you listen to the indomie my taste must be the picture is instant noodles? right? Indomie is one of instant noodles are in production by PT. INDOFOOD in indonesia. In addition presen indomie of a quick, it tastes indomie also didn't match the deliciousness. And one thing that matters can be in the consumption of various groups in both adults and children. In addition to the product also has been entered into the outer part of indonesia such as the united states, australia, the netherlands, hong kong, new zealand, and other countries.

                In the ad indomie to provide information regarding the presentation in serving noodles. although in every pack of noodles too there is the way the presentation of it, but advertising indomie that we can see on television which is joined Al Ghazali make people are interested in trying   to or repeat the use of such products, because there are artists who participated as well as promote the product. In packaging indomie is also there has been no clear information about indomie the door of the composition, the way Penyajian, and nutritional value.

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                I don't think harm in taking indomie in the production of PT. INDOFOOD but we also need to consume under us and not excessive in order not to the adverse effects on the health of ourselves. therefore we also need to know the nutritional content will be a food we eat so we can find out what food was delicious on the tongue but not good for health.

Cars And Loans

                Hello, i wanna tell you how to calculate if you buy a car with a credit contract. I want buy a car but not today, i just wanna know how much i be pay to get the car if i used a loan car. So if you want too buy a car, you must know car have a fixed costs like depreciation, interest on loan, insurance, registartion fee, license, taxes and variable cost like gasoline, oil and other fluids, tires, maintenance and repairs, parking and tolls. If you want got a good price, dont just trust one dealer, but you can go any dealers to know how much price the car. Then you must too much read about car to know if you buy car what you must doing.

                I be choosed a car this is Brio Satya 1.2, why i choose that because new front grill, new design alloy wheel, new interior design, best fitur, immobilizer, gcon +ace, abs + ebd, pretensioner with a load limiter. Then i can used to drive faster like a racer. The Brio Satya Automatic Prestige and its price is Rp 149.600.000. Then I have known the Annual Percentage Rate, the length of the loan,the monthly payments, the total finance charge and the totals to be repaid.The APR is 10% and the length is 5 years. I chose 10% for the APR because the higher APR i chose, the more money I spend for it then actually no I got no benefit.

               

Rp 149.600.000 x 10% x 5 (years)              = Rp. 74.800.000

Rp 149.600.000 + Rp 74.800.000               = Rp. 224.400.000

               

                So i must paid the car of 5 years Rp 224.400.000 with the Annual Percentage Rate is 10%, you can know if you paid cash you will be save 3x from the price loan car.

                Then if i buy a Brio Satya 1.2 i will be get warranties, the warranties give me to check if the car will be error and change a machine if cant used again but have a time its be 1 year. So if i used car more 1 year and get a problem with the car, i cant used again my warranties. The warranties will be helpful for you to check your problem car so if you have a warranties you just bring a contract about your car and your warranties car.

                So the conclusion is when you want to buy or loan a car you have choose car is match to you even it is new or the used one. You can buy a car for lifestyle or for you job, this is you must know because you must paid it.  The most important if you buy a car is the machine, convenience, designs, safety and warranties also insurance if you think that it is necessary to you. And the last one you if you buy a loans car you must calculate how much you buy in 1 year, or 3 years, or 5 years, it will be helpful to know how much to paid the car.

Credit Card

Did you have a credit card? Or you didn’t know for what credit card? Credit card it is like a service from the bank and the bank will be asked about the credit card. Credit card will be help you when you don’t bring too much money to eat, shopping, or other to paid it with the credit card. To get a credit card you must know the terms and condition and apply from bank.  If you want the credit card you must know about Annual Percentage Rate, Grace Period, Annual Fee, and Transaction Fees. When you used credit card for transaction you have time to pay the liabilities to the bank, usually monthly and yearly.

Credit card have features you must know. First credit limit, credit limit is like you have a maximum limit to used the credit card. Credit limit will be different in other bank, example : credit limit Rp. 10.000.000 so you just can used the credit card reached no more than of Rp. 10.000.000, so you can’t used the credit card more than Rp.10.000.000. Next is how widely the card is accepted, You just can used your credit card a certain place, and cooperation with the bank of your choice. And the last one is services, the bank will be give a good services about that. So you can asked to the bank or you have a question about credit card, and ask for a settlement.

When you want to get a credit, the bank have a the rules must be completed and obey. So what you must to do if you’re denied credit. If you think the reasons for the denial are valid, Ask the creditor if you can provide additional information or arrange alternate credit terms, Apply to another creditor whose standards may be different, do the things you need to do to improve your creditworthiness and then reapply. Then if you are not sure whether the reason for the denial is valid, Ask the creditor to explain why you were denied, Review your credit history, If you find your credit history contains errors, take steps to correct the errors.

If you wanted the credit card you must know for what you have a credit card, if the credit card it’s really help you and can easily your needs not wants you can used the credit card. And one thing you must know, used a credit card as possible in accordance with the revenue because if it exceeds the revenue it really made you very difficult to paid it.

Banking Services

            Did you know what the banking services? Banking services is the awarding of services to customers to support and facilitate the activities raised funds and channel the funds. Banking services it is dependent on the ability of the bank both in terms of capital, equipment, and others to get to personal who operate it.  Banking services is very influential in the loyalty of customers to the bank.

            In 2016 have three new banking models to push forward the economy. First the Intellingence Multichannel Bank, Second The Socially Engaging Bank, and the last one The Digital Ecosystem Bank. But i just tell about the Socially Engaging Bank. The Socially Engaging Bank use social media to increase customer formation up to 400% then will make customer know the new information about the bank. American Express can increase sales with social media up to 30% with facebook, twitter, and foursquare.

            With the provision of services which very well to customers will greatly help customers in the transaction so as to facilitate economic activities. In addition, bank services can help the country’s economy in the policy to curb inflation, infrastructure development and others. So with good banking services provided to customers the better the economic activities.