Why do you owe?

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Debt, debt, debt. Everywhere you go, the word is not foreign to your ears because everyone owes. However why would you owe? "if you do not owe, we will not have the property, even the smallest thing." that's what they say is owed. Did you not be able to get something to fulfill your dream? whether you need to have and bear the debt in order to live safely? however, secure your life with 1001 debt?
Why do you owe?
- Meeting the basic needs
- Fulfill the desire and willingness
- Luxurious and extravagant lifestyle
- Crazy Shopping
- Ease of loan
- Capital business
- Not having the financial planning
- Financial Sciences shallow

"Do not ever based on the education and experience to state that you are smart. Syafiie priest once said, the more I learned, the more I know myself stupidity"

Debt turmoil

" In the past, I feel that I am a wise credit card user, but it turns out I was the user who trampled. "

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How do I tell you that your debt is at a crisis stage? if let to continue, one by one they will fall into bankruptcy.
Debts such as illness. we can find out the disease through signs., for example, people who suffer from diabetes can be identified by symptoms, such as frequent waking at night to dispose of urine, weight decreased drastically, and loss of appetite.
So is that too many people take on debt. signs below can help you determine if you have a lot of debt and are in critical condition or not.
-Do not know how much money you
-Spending money with credit card
-Not having savings
-shopping to the maximum extent credit
-The minimum payment on your credit card
-The amount of debt is not reduced
-Asking the remaining credits can be used
-Having more than one credit card
-Check in decline
-Long-unpaid bill
-Purchase by credit card is rejected

-Revenues are used to pay debt
-Failed bank can loan
-Hide the credit card bills from the family
-Do not open your credit card bill
-Got the answering of loan officers
-The night was short

'''' Should, in your life. Avoid black marks debts that have been submitted. Debts can be avoided if you are careful! ""


 

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DOCTOR OF FINANCE

Seeing the task of a financial planning, it can be said that his job is to help clients to plan personal finances, by giving planning solutions, choose financial planning, wealth, or investment customers, so that customers' financial needs in the short term, medium, and the length can be achieved.
Choosing a financial planning with choosing a family doctor. Therefore, if you require the services of a financial plan to help manage the family finances, there are some things you can use as a handle to pick good financial planning, including trust, comfort, track record, the cost of compensation, work systems, education degrees.


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MISTAKES HAPPEN OFTEN IN FINANCIAL PLANNING

when you do financial planning themselves, there are some common mistakes
1. you think you can do it all yourself
2. you think that financial planning with investing.
3. you think that financial planning is only for rich people.
4 you fail in setting financial goals.
5. you make financial decisions on without knowing how it will affect other financial issues.
6. you are confused about financial planning with investing wrongly.
7. you neglect to re-evaluate your financial plan regularly
8. you think that financial planning is for those who are old alone
9. you think that financial planning is just as equal pension
10. you think that financial planning is the same as the insurance program
11. you wait until there is a financial crisis like the insurance program.
12. hope you come back and hang the fate of the investments that are not realistic.
13. you think that using the power of a financial planning means that they have lost control of the finances and assets.
14. you believe that financial planning is tax planning.
15. you think that financial planning is only needed in times of crisis only.

WHY ECONOMIC

Why do brown eggs cost more than white ones?

Why is there a light in your fridge but not in your freezer?

Why did Kamikaze pilots wear helmets?

The answer is simple: economics.



 from the book The Economic Naturalist

The main things in Financial Planning

if further, the main things that are included in the personal financial planning is as follows.
1. profit and credit arrangements. Credit should be monitored if need be reduced to avoid the debt that has accumulated and unpaid, especially for debts that are consumptive and productive.
2. the right insurance products to protect the personal risks such as the risk of death, total disability, and loss of revenue. appropriate insurance is necessary for anyone who has dependents.
insurance protection should be devalued periodically.
3. accumulation of wealth. regular savings and investment program, certificates of deposit, security of assets, and income security but it depends on two things, namely financial goals and risk tolerance.
4. property investment and planning.
in this faithful people have the same goal, namely how to keep assets can grow up with a risk that is not too high.
5. taxes. appropriate allocation of certain assets to reduce individual income tax.
6. retirement. calculation needs to be done carefully and detail to know the opinion desired retirement to maintain a decent lifestyle later.
7. estate planning. how to continue or reduce assets to heirs in the most effective manner.

PERSONAL FINANCIAL PLANNING

usefulness of personal financial planning can help someone, get a picture of what is really desired inside or outside every stage of life. protecting assets owned assets, using debt carefully, perform risk management and train someone to manage investment risks properly, determine the right insurance protection for life, health, and property ownership, increasing wealth and control expenses, and the cost

UNDERSTANDING FINANCIAL PLANNING

Simple definition of financial planning is a process of adjustment to achieve life goals through appropriate financial arrangements.
Purpose of life
are of different kinds, in accordance with the wishes of a person or family, such as buying a house or a car, education savings, retirement planning with a decent and well-established, as well as other financial planning.
Financial planning is one way that can be done by
someone to be able to provide a solution to the financial problems is one way that can be done by a person to be able to provide a solution to the financial problems faced.
This is one way to gain an advantage and maximize the funding of our income each year in order to achieve financial independence.
In order to achieve maximum results, financial planning requires monitoring [review] of the plan have been made, including the implementation of the [implementation] seriously of plans [plan] are coordinated to achieve personal goals. 
No matter how old there, it can be started from any age-of course, the earlier or soon might be better.
Value of money over time [time value of money] that shows how financial planning starts early will greatly assist in achieving the investment itself, especially the advantage of achieving a period of time longer. 
When we enter middle age or middle, a lot of options and additional financial and life goals you want and can be reached from at the time. 
Options include open or start a new business, obtaining a higher education, or other pleasures in life. 
Therefore, setting financial goals early on is very important as this is a good foundation to start everything, and that's where financial planning will begin and may be required to achieve a sacrifice. . to achieve stability and wealth does not have to start from the income.
Amiddle income one, you can train yourself disciplined in the use of money and discipline to invest.
Through financial planning, financial goals one has a definite meaning and direction.
that is, to know the extent to which financial goals are made will affect the other financial aspects,
for example, if we buy an investment product that delivers a high return on investment, the investment might be able to help us to pay off the mortgage repayments or other loans more quickly. 
Perhaps also, the investment could help speed up the program targets retirees or pensioners. 
By looking at each financial goals as part of the overall life goals short term, medium term, or long term will be more organized.
Individuals can adapt more easily to life changes and feel more secure because the purpose of his life remained as planned.

THE FUTURE IS NOW

Life begins from birth to death is not only emotionally, but rather related to the human need for finance.
Then financial planning is needed.
Financial planning starts from the set goals, execute all the plans, to conduct an evaluation of all that we have run.
Financial planning is very useful in achieving the dreams of the reality of life.
with small steps we decided that was premeditated will lead to great strides in the future.
in deciding life. not all be instant, because all require a long process. there is no business that can be an immediate success all need time to large.
financial planners can not promise we instantly become rich. but our students to be a disciplined and self-control. 

 And also provides the steps of effective and efficient in managing the current financial capabilities.
Personal financial planning, but when you can not plan your own then it is good we are consulting with a financial planner.
Many people also do financial planning has failed, it is because they do not understand the basic principles of personal finance.  

If you do not have the skills to manage money well, regardless of your income will not be able to help you.
The base of our failure is the refusal to establish a financial plan, do not try to reach your goals.

if today we are afraid of the future we have outlined own. because relying on one day is at the core of the financial failure of.
THE FUTURE IS NOT ONE DAY LATER. THE FUTURE IS NOW.