Credit Card Debt Counseling

What is Credit Card Debt Counseling?

Interest rates on most debts incurred by debtors become increasingly high to the point that an individual's monthly payment isn't even enough to cover just the interest. Individual resort to many different credit card debt relief programs and credit card debt counseling is just one of your many possible choices. But, why should you opt for debt counseling?

This method enlists the help of professional debt counselor. Their role is to do the negotiating with your credit card company with regards to possibly reducing your current credit balance. Some might even suggest you get into a debt consolidation program once they have assessed that it would help alleviate your financial condition while eliminating credit card debt.

You will typically start off with basic money management and they would help you come up with a sound budget plan. Hence, the idea here is to not only help an individual get out of debt but to improve their financial management ability to ensure that they put an end to the debt cycle.

When To Opt for Debt Counseling?

The choices of debt relief programs are quite extensive. Hence, deciding on whether debt counseling might offer the best and most efficient debt relief method is difficult. Every credit company has their own counselors that are responsible for handling the budgeting, consumer credit, and debt management aspects. Therefore, having a reliable debt counselor will also provide the financial organization you need.

If you are still unsure, ask your credit card debt counseling agency the following questions to assess whether this credit repair service is for you:

• How much will the service cost you?

• How much is the percentage of payments or if there are any hidden fees?

• What range of services do you offer? Does it meet my debt relief needs?

Once you have determined that a particular debt counseling agency provides services specific to your needs and still allow you to save some money after paying the program's services, then it should not be a bad option for debt relief.

Benefits of Debt Counselor

The presence of the debt counselor's professional advice could really boost your financial management strategies while also allowing you better insight into how you can work at resolving your debt problems. If you are undecided with opting for credit card debt counseling to provide the financial relief you need, then you need to be aware of some of the benefits you can acquire:

• You save yourself from the hassle of having to speak and deal with your credit card companies. Your credit card debt counselor will be the one handling these negotiations for you.

• Your debt counselor can help reduce your monthly interest rate on an existing debt.

• The acquisition of better budgeting plan and improved financial or debt management will help ensure you pay your bills on time.

Choosing Your Debt Counselor

Now that you have become aware of what benefits you can acquire from hiring a credit card debt counselor, your next step is to choose a reliable credit card debt counselor. Below are proper guidelines that will help you evaluate a debt counselor before choosing them:

• Research on the specific agency's reputation. Were previous clients satisfied with their service? Was it able to deliver the promise of debt relief?

• Make sure the specific agency you are looking into has its own insurance.

• Your debt counseling agency should be one willing to work with all credit companies. Beware of those who are willing to work only for specific companies since they could have some secret arrangement wherein both companies can profit.

• Paying methods to your creditors. Take time to learn about what percentage goes to the agency so you can finish paying your debts within your desired time frame. Read More......

Tricks Become Rich Entrepreneur In Blogspot

you know now in dreadful news we are excited that there are scandals KPK chairman Antasari Azhar and Rani Juliani also have a presidential election in 2009. So that we the bloggers the opportunity to take advantage of the opportunity, the entrepreneur is also the name be legally valid only do tricks such as fraudulent the following:

1. use keyword traffic HOT news for the scene, example : "DOWNLOAD VIDEO MESUM WULAN GURITNO 3gp" or "FOTO CIUMAN MESUM DEWI PERSSIK"
2. put adsense in many blog
3. create a dummy blog
4. add much yahoo messengers for sharing clicking Read More......

made the hobby into ideas that generate money.

"What we can be a hobby business opportunity?" Or in other words "What hobby we can make money / dollar?" Although I believe all of you certainly can and have been developing a hobby into a business worth millions of rupiah!

Said Robert T. Kiyosaki 'the money is just an idea'. First words of this very strange for me, but the long run the words that make me able to think in. And indeed, the money can generate ideas to develop a brilliant effort, but we must remember that to make money, we only need one word 'idea'. Read More......

Seminar Entrepreneurship "1000 MIL STEP 1 Start From" CIPAGANTI GROUP WITH HIPMI & Institute MANAGEMENT TELKOM

On Sunday (5 / 4) Located in the Campus Telkom Bandung Institute of Management, Director of the Group's main Cipaganti Bpk. Andianto Setiabudi Entrepreneurship attend the seminar, as the speakers on the theme "1000 Mil Starting from Step 1" that was attended by the student / i Institut Manajemen Telkom and PT HIPMI IMT members are expected to have a successful example can Conference to be cadres of successful new business and useful to the homeland and the nation toward a new era of Indonesia. The event, which explains that, to build from the small business need a dream / vision of the trilogy covers the stages of achievement with a clear vision of the environment (10 survive the first year), vision, identity (which determine the 10 best in the second year), the development vision (the extension organization and operating company or business group short and long term).
Submitted that any small business opportunity and should be held on the first occasion and then on the journey that will grow with the various business opportunities and determine the best business to be developed.
In the debriefing session described how to build from zero Cipaganti, build trust and partnership business, maintain market, differensiasi product, build a strong brand image, CSR and business development of the scope of national and regional kedepannya. Currently Cipaganti Group 5 Division manages the business sector that is real Otojasa Integrated Transportation, Heavy Equipment, Property, Coal Mining and the number of Sharia Banking HR around 2000 people with 50 branches on the island of Java, Kalimantan and Sumatra. Entrepreneurship event with seminars, Cipaganti Group partake of sharing and giving and inspiring to the students I began to understand the business opportunity and potential to dig themselves and entrepreneurial spirit, good will and have always optimistic in the face every situation.
Present on the occasion is Anton Adibroto (former Rector of the IMT), General Mufti Muzaqi (Secretary II HIPMI Bandung), Good Afandi (Chairman HIPMI IM PT Telkom), Anugerah Satria (Culinary Republic). Read More......

5 Steps Being Programmer Entrepreneur

5 Steps Being Programmer Entrepreneur


source : Read More......

The First Step To Starting A Business Is Writing A Plan

One morning you might wake up and like a ton of bricks a great idea for creating and starting your online business comes to mind, and you hadn’t a doubt in your mind that you could turn it into a huge success.

Start with the end in mind. Are you planning to start a new business? If you find a viable business you like, document your intentions, intended deal structure and what exact information you need to start your purchase due diligence.

Many small businesses start with a business plan based on guesses. The idea for you business plan comes to mind, its time to start the new business and you are all ready to go but the only problem is that you need money, so it is time to find the investors, angel investors and you will need to show them your business plan.

If you plan to jump into the fray, however, the first step is to create a solid business plan. The business plan you create will be one of the most important documents in your new businesses. It doesn’t matter if your business is just getting started or it is an existing business, creating a business plan helps you understand your business.

If so, have you started writing your business plan yet. In all honestly, when writing anything, even a business plan, it is the wording that makes all the difference in the world. Writing a plan for your project requires you to have an idea and vision of the whole project, the component parts of the project and the operating system behind your project.

The world is full of business-minded individuals, whether their goals are to lead a multi-million dollar company into the future, or simply start their own small business to provide services that are in demand and services they enjoy performing. You will need a brief outline of your business, your mission statement, goals, balance sheet, income statement, projected cash flow and plan for unforeseen hindrances.

Therefore, it is very important for the potential business owner to spend as much time and effort preparing and creating a business plan as they do finding the perfect location and the best restaurant ovens.

Show why potential customers will award business to you, rather than your competition. One page of your business plan can have the following information: it can contain the potential partners, employees, board of directors, and you can show where the business will be in future years.

Angel investors want you to succeed and often they also like to give their input and if you end up taking their money for your startup, the need to realize that their input needs to be taken seriously. One of the great myths is that you only need a Business Plan if you are going to borrow money from a bank.

A business plan of a start up business making no money — for example — is going to be bigger than the ones that are running and making money already. The angel and VC investors, are risking their capital money when they invest in your business, they hope in the long run they will receive returns that is worth many times what they put in.

David Fishman Read More......

How To Write A Business Plan

Creating a business plan is perhaps the single most important thing you can do to start and grow a business. A business plan not only covers your business mission and vision but also outlines your strategy for research, marketing, fulfillment and all aspects related to your business. A business plan will serve as your guide, your roadmap, to achieving your business goals and dreams.

Step One: Your Business Description. The very first think to do is to sit back and draft a few paragraphs about what your business does. You’ll answer the following questions:

* What does your business do?
* What are your products or services?
* Who is your audience?
* What makes you unique or different from your competition?

Condense your business description until it is concise and can be presented to someone in about thirty seconds.

Step Two: Your Resources, Strengths and Weaknesses

In this second section, make a list of the resources you have for your business. This will include office equipment, products or services, and also any people you can access for example your brother in law is an attorney and has agreed to help you with the formation of your company.

You’ll also want to conduct an analysis of your strengths and weaknesses. What skills, knowledge and experience do you bring to your business and what areas are you weak in and will need help or further education?

Step Three: Your Business Organization and Legal Considerations

What type of company are you going to form?

* Sole Proprietorship,
* Partnership,
* Corporation
* Limited Liability Company

Each offers significant benefits depending on your situation and goals.

You’ll want to take a look at the certifications, regulations, and insurance needs for your industry and location. Additionally, you’ll want to take a look at how you’re going to handle financial reporting and taxes.

Step Four: Operating Requirements

What do you need to start and grow your business? This is the place on your business plan where you outline what you need to get started, for example your office equipment. You’ll also want to outline the tasks required to run your business and who will perform those tasks. For example, an accountant or bookkeeper, a shipping and fulfillment person, a virtual assistant, a copywriter and so on.

Step Five: Financial Goals

What are your financial goals and how will you achieve them? Outline your present finances, how much you have to invest into your business. Also outline your financial goals and how you’re going to achieve them. If you’re seeking financing from an outside source, this section will be looked at very closely. You’ll want to create a budget along with your pricing strategy for your products or services.

Step Six: Sales and Marketing

This is a big section of your business plan and perhaps the most adaptable – it will change as you grow. In this section you’ll want to outline your competition, who they are and what they do well. You’ll also want to outline your strengths and how you’re going to position yourself above your competition.

You’ll also want to outline your marketing strategy and the various tactics you’re going to take to promote awareness and sales. For example are you going to have a website, flyers, and advertisements and so on.

Step Seven: Executive Statement

This is the conclusion of your business report and where you’ll wrap it all up into a nice concise package. You’ll include your mission and vision statement here along with a summary of the previous six sections.

Congratulations! Once you’ve completed your business plan you have a plan you can refer to, to keep your business on track. It’s the best way to attain your goals and to achieve the business success you desire.

source Read More......

The Top 3 Money-Making “To Do” Activities

By Jimmy D. Brown

I’ve always been impressed with those who can take overwhelming things and handle them with ease and poise. It never seemed
to work that way for me, until I discovered the secret for tackling those daunting tasks.

The secret is simple: make things simple!

With just about every major undertaking, things can be simplified into a handful of “core” components. That makes them manageable. Manageable fosters productivity simply because I can work on something that seems accomplishable. And when productivity goes up, desired results come.
I received the following question from one of my clients…

“If you have to pick, what would you say are the top 2 or 3 things we should concentrate on? I’ve heard the domain/site(blog) are the most important, then others say writing info products, others say lists. For short term and long term investment, what is the most important things to
be working on?”

This client wants things simplified. And rightly so. He knows the secret to success is getting things down into manageable

So, what are these core practices for building an internet business? There are three things - and three things only - that you need to concentrate on with your business…

1. Offer Development.

You cannot make money online unless you have an OFFER. It’s that simple. Unless there is some way for income to be generated, you can’t get paid. End of discussion. Every business is founded upon a revenue-generating offer. Now, this can either be your own offer (small reports, ebooks, membership sites, coaching/consulting, advertising, etc.) or something you promote as an affiliate and earn revenue for referred sales.

2. List Marketing.

The fortune is in the list. You’ve heard it an untold number of times in the past, right? Building and profiting from opt-in lists should be a major priority on your schedule. You need to devote yourself to attracting new subscribers and then getting all of your subscribers to spend money with you … by purchasing your OFFERS (see #1 above).

3. Traffic.

The third and final thing you need to concentrate on is “traffic”. This includes both traffic GENERATION (getting visitors to a site)
and traffic CONVERSION (getting that traffic to buy). This includes things like: starting an affiliate program, buying PPC ads, participating in joint ventures, utilizing viral marketing tools, raising your visitor value, tweaking your sales pages, etc.

With each of these categories, you have a variety of options to choose from in directing your attention. It would be foolish for me to say “grow your affiliate program” as your number # traffic activity since I don’t know if you even have your own product to sell. That’s why I don’t recommend specific activities, but rather three key categories of business-building.
With each of these categories, find 2-3 activities to work on each week and you should see results in a short amount of time.

I recommend you work on offer development every Monday, list marketing every Tuesday, and traffic generation every Wednesday. If you just spend a couple hours each of these days working on these core parts of your business, sales should come.

In a nutshell -

• Find an offer to promote.
• Setup a list to promote the offer.
• Drive traffic to the list opt-in page.

Keep it simple. Keep it successful.

Jimmy D. Brown is the author of the 65-page “operations manual”, Homepreneur Habits: How To Run A Successful Home Business. Learn The Internet Marketer’s Weekly R.O.U.T.I.N.E.™ at Read More......

What Accounting Basis means for your business

Summary :

Deciding on which basis of accounting to use for your business will determine how you record your transactions in any given period. Of the several methods, whichever is chosen, the business owner must be consistent in its use thereof for tax reporting and bookkeeping purposes. In order to change, they must file a request with the IRS. The most common bases of accounting are the accrual basis, the cash basis, and the income tax basis.

The accrual basis of accounting records transactions in the same period of which the related transaction occurs, regardless of whether cash is received or not. For instance, if you purchase equipment in 2009, but don’t pay for it until 2010, under the accrual method you would still include the purchase on your books for 2009. The purpose here is to match the income and expenses in the same period. The IRS has clearly defined tests that outline these events. For instance, income is considered earned on the earliest date of these occurrences:

· When you receive payment.

· When the income amount is due to you.

· When you earn the income.

· When title has passed.

And expenses become deductible when:

· The all-events test has been met. The test is met when:

o All events have occurred that fix the fact of liability, and

o The liability can be determined with reasonable accuracy.

· Economic performance has occurred.

read more here Read More......

Develop Life Entrepreneurship, 180 students Ikut Investor Day

Not difficult to find capital from investors, provided that the business is managed and the benefits and not have a competitor. This is evidenced Group "Goodies" (Good for Kiddies), consisting of 10 students semester 2 majors International Business Management (IBM) Ciputra University, chose as the event organizer (EO) for children.

According to Jennifer Smith at the Project Manager Goodies, Friday (06/03), on the sidelines of the University of Ciputra Investor Day, 9 together with friends is deliberately choosing a business on the field with the EO EO specialist for children. The reason, for this EO is likely to hold back the years as well as exhibitions and seminars.

"But that EO specifically the use of children, there has not been in Surabaya. We choose a golf training and preparing a snack for children of preschool and elementary school age. This potential market is big enough and the fact investors are interested in our business. We already have the capital up to Rp 16 million from the second target of our Rp 20 million, "he said.

Goodies, said Jennifer, have also set up the "Celsius" (Cooking & Charity Delicius Easter) in the Passover, 11 April 2008, at the PTC. This activity is done with the concept that has been prepared before, so that the children involved do not simply know how to make cake but motivated how to share love with each other. Target children involved in this activity for about 300 children.

Generally, the EO program on-demand. However, the Goodies, Jennifer said, vice versa. Thus the concept of the ingredients including the activities of the EO and offered to new clients.

Early establishment of business EO, plus Jennifer, own dimodali where each member urunan Rp 100 ribu. "From 5 Easter activities including upcoming events, our business is 100% capital back. This business and develop our garap although later finished college, considering we have truly entered the competition business EO, "accuse him.

Meanwhile, INGE Gunawan SE, Msi IBM University Lecturer in Ciputra separately found that activities that have a value 2 SKS involve 180 students semeter 2, and-10 group. There are 18 business garapan in the Investor Day, started Food and Beverage, entertainment service businesses, printing and sablon, souvenirs, T-shirt making.

The number of investors who are invited to reach 900 people, where every child should be able to bring at least 5 investors. "So 1 must have 50 groups of investors who can provide capital for their business. Real business that they did previously through the selection process, must be unique from either the product or how to sell it. Is entirely visible in the Business Plan that they make, "said INGE.

INGE not add enough to find and use the capital from investors, in the upcoming May, each group must be responsible in the capital before the investors. "They deliver it in the General Meeting of Shareholders. Investor Day is aimed at pumping more life and creativity Entrepreneurship students. Because each person has certain, "his him.. Read More......


A business (also called a firm or an enterprise) is a legally recognized organization designed to provide goods and/or services to consumers, governments or other businesses. A business needs a market. A consumer is an essential part of a business. Businesses are predominant in capitalist economies, most being privately owned and formed to earn profit to increase the wealth of owners. The owners and operators of a business have as one of their main objectives the receipt or generation of a financial return in exchange for work and acceptance of risk. Notable exceptions include cooperative businesses and state-owned enterprises. Socialist systems involve either government agencies, public, or worker ownership of most sizable businesses.

The etymology of "business" relates to the state of being busy either as an individual or society as a whole, doing commercially viable and profitable work. The term "business" has at least three usages, depending on the scope — the singular usage (above) to mean a particular company or corporation, the generalized usage to refer to a particular market sector, such as "the music business" and compound forms such as agribusiness, or the broadest meaning to include all activity by the community of suppliers of goods and services. However, the exact definition of business, like much else in the philosophy of business, is a matter of debate.

Business Studies, the study of the management of individuals to maintain collective productivity in order to accomplish particular creative and productive goals (usually to generate profit), is taught as an academic subject in many schools. Read More......

Seven Steps to Success

Make a commitment demands grow every day.
One of the biggest mistakes that people in general do is to choose the wrong focus.

Size does not see the success of the property, or increase the level of success. If you try to grow just a little each day, you will soon see positive results in your life.
2 more appreciative of the incident.
Genesis-keajadian particular in the life of encouraging us to take a decision.

While the process of change and which have a value pertumbuhanlah means. If you want to ascend to the next level, berjuanglah for sustainable growth.
3 Do not wait for inspiration.
A basketball player a reliable, Jery West, once said "You will not be able to complete the work if you only work when you feel happy to work.

"Those who have been able to achieve success do so because they motivate themselves and try to keep the most of their costs at the time. To be successful, you must be diligent.
4 Willing to sacrifice the opportunity for fun.
One of the principles of academic teaching "Pay now, play later" to all things in life, you have to pay the price. You can choose to pay for them in front or behind.

If you pay in advance, you will get the award at the end and perhargaan will be rather sweet.
5 Impikan something that big.
Dream of something big.
Dream things that do not have small gunanaya. Robert J. Kriegel and Louis Patler, author of the book to write "we can not find the limits of human beings. All tests, the size and the finish line in the world can never measure the human potential. "

When someone chase the dream, he will exert every effort, even beyond the limitations attempt itself. The potential that exists in ourselves and not many that have not been used. If you think you create a boundary limit.
6 Set your priorities.
One similarity of the people who have achieved success is: they are experts in managing the time. Is the most successful they have been mengorganisis themselves.

Henry Kaiser, the founder of Kaiser Aluminum and Kaiser Permanente Health Care said, "every minute is used for planning, cut 2 minutes needed to pelaksanaanya" you will never again be able to reach the time that has terbuang. So manfaatkanlah
7 sacrifice for progress.
Does not have anything that can be without sacrifice. Life is full of time-critical time when you have the opportunity to exchange something of value for something else. Wide-open eyes wide to time and so always make sure you benefit, not a loss.

If you are dedicated to the seventh step, you will be growing and you will surely succeed. The growth you may not be immediately visible, but you will soon see progress in yourself. Although people can not see it, do not be disappointed. Keep trying. In the end you will succeed Read More......

Financial Revolution

Financial Revolution - menunggang kuda
Read More......

3 Franchising Success Secrets

With many more people decide to become serious franchisee, one of the key questions often asked whether I have to prepare to become a successful franchisee?

Good news, many things can be done to make this a successful experience. Here are 3 secrets to success.

1. Before you look a franchise opportunity, you should make preparations. This process begins with understanding yourself and find out a clear understanding of who you are and what you want with the franchise business. You have to start with and think through the process of self-assessment (self examination) and ask questions such as:

What you want and do not want to do in a work environment? Aspects of the business that has provided success and satisfaction in your past? How do you feel when managing employees? How many hours you are willing to work? What general characteristics of a perfect job for you?

How do you face the risk? How much money you want to invest in the franchise? What is the value of debt that you may take to close the first investment fund? How long can you operate without income from the franchise and can sleep soundly at night?

What goals have you franchise? What is the expected resolved in your life with this business? Changes such as what is desired in the next few years if you are successful with the franchise business?

Once you complete the self penilain, you should have a clear idea and not just general parameters about what you want from the franchise. More importantly, you will know what to dituntaskan in the long term. This knowledge is vital to choose the right franchise to sell and avoid things that actually do not match with the goals you want.

2. Kerucutkan opportunities. Start with the opportunity sort through "glasses" work experience you have. In most cases the objectives may be, compare what you learned about a franchise opportunity that has been investigated with the questions above, and check on yourself, whether this is the same as the chance that you want to, but not only in part as a whole?

If the answer is not, you need discipline to explore other opportunities. Many opportunities are available, so do not compromise with something that you are very important. Fast or slow, you will find that in accordance with the type of talents and goals, so that the note continues.

3. Trust with verification. You have already set aside time to find out what you want and define the specific opportunities that are expected to give what you're looking for. Now is time for you to verify that your conclusion is correct fact.

There are a number of steps that you must do this in the verification process, including:

The existing franchise. You may have to speak terwaralaba (franchisee) to find out their feelings in the business. Now it's time more specific. Select a number of people who seem cooperative and jabarkan plan and specific expectations.

Say something like, here I good, this is what I want to do, I want this franchise to be completed to provide certain things are for me. Ask them what are the significant challenges they may face you. Keep in touch until you believe you have to get the desired result.

Franchisee heel. Ask one or more if you are allowed to follow their daily routines. You need not do so during the months or years, with just a few days this event will give you a new perspective on the franchise. For variations, you can also ask for work as employees for several days in order to feel the operating business.

Related in earnest with pewaralaba. Discuss the plan with specific pewaralaba, particularly the support operations officer and executive perusaahaan. They will each mengapresiasi thought that you would normally do and they will also be grateful on this matter.

Similarly, you must maintain good relations with the sales that are often associated with you, and remember in mind not only that the person we are looking for input in the process of verifying this.

Now you have completed the three stages of a successful run secret franchises. You are now ready for large memebuat decision. Time to move forward with the assurance you have to prepare a colored breast success

Read More......