Sunday, 26 August 2012

How to Get Rich / Bagaimana Menjadi Kaya

Getting Rich Through a Career

  1. 1
    Excel academically. Whether it's a four year college or vocational training, most successful people pursue further education beyond high school. In the early stages of a career, your employers have little to go off besides your educational background. Pursue an appropriate degree.
  2. 2
    Choose the right profession. Look at research survey salaries which indicate average annual incomes for specific professions. Your odds of getting rich are way less if your pursue a career in teaching than a career in finance.
  3. 3
    Choose the right location. Go where the good jobs are. If you want to pursue finance, for example, there are far greater opportunities in NYC than in Kansas.
  4. 4
    Get an entry-level job and work your way up. Play the numbers game. Apply to many places and conduct many interviews. When you get your job, stick with it to get the experience you need to advance.
  5. 5
    Change jobs and employer. By changing your environment, you can increase your pay, experience different corporate cultures and reduce risk. Don't be afraid to do this many times. If you're a valued employee, it's also likely your current company may offer you a raise or other benefits if they know you're looking at leaving.

Getting Rich Through Investing

  1. 1
    Invest your money in education. Go to universities and obtain degrees that are considered in your chosen profession. You sometimes have to spend money to make money. For example, if you're interested in business and obtain an MBA, the money you spent on that will likely earn itself back in a few years.
  2. 2
    Put money in the stock market. Invest money in stocks, bonds, or other vehicles of investment that will give you an annual return on investment (ROI) that's enough to maintain you in your retirement. For instance, if you have one million dollars invested and you get a reliable 7% ROI, that's $70,000 per year!
  3. 3
    Invest in real estate. Relatively stable assets like rental properties or potential development land in steadily growing areas is a good example. These are purchases whose value will likely increase over time. Your odds of that happening are better in some spots than other. For example, an apartment in Manhattan is guaranteed to increase over a five-year period.
  4. 4
    Invest your time. For example, you might like having free time, so you give yourself a few hours a day to do nothing. But if you were to invest those few hours into getting rich, you could work towards having 20 years of free time (24 hours a day!) with early retirement. What can you give up now in exchange for being rich later?
  5. 5
    Avoid purchases whose value is guaranteed to decline. Spending $50,000 on a car is usually considered a waste because it's a guarantee that it won't be worth that much in 5 years, regardless of how much work you put into it.
  6. 6
    Stay rich. It's hard to get rich, but it's even harder to stay rich. Your wealth is always going to be affected by the market, and the market has its ups and downs. If you get too comfortable when times are good, you'll quickly drop back to square one when the market hits a slump. If you get a promotion or a raise, or if your ROI goes up a percentage point, don't spend the extra. Save it for when business is slow and your ROI goes down two percentage points.

Getting Rich Through Saving Money

  1. 1
    Pay yourself first. This means before you go and blow your pay check on a new pair of shoes or a golf club you don't need, put money aside in to an account that you don't touch. Do this every time you get paid and watch your account grow.
  2. 2
    Make a budget. Create a monthly budget that covers all your basic expenses and leaves a little bit of "fun" money aside. Do not go over this.
  3. 3
    Downgrade on your car and house. Could you make do with an apartment instead of a house, or have roommates instead of your own place? Could you buy a used car instead of a new one and use it more sparingly? These are all ways to save a ton of money every month.
  4. 4
    Cut expenses. Look at the ways you frivolously spend money and remove everything. For example, avoid going to Starbucks every morning. That $4 you spend on designer coffee every morning comes out to $20 per week, or $1,040 over the course of a year!

Monday, 20 August 2012

How can you attract more clients?

Times are hard.  But hard times are also opportunity time if you can help your clients achieve more with less.
In good times, businesses need more clients to grow and prosper.  In hard times that becomes an absolute imperative.
When you’re clear about what you do and the benefits you bring your clients, the next obvious question is “How can you attract more clients?”
It’s a given that every €, £ or $ has to work harder.  So how can you make that happen?
  • Be totally clear on why a new client should buy from you
  • Be totally clear on how you can recognise a good, new client
  • Recognise that a majority of clients are looking for new and better ways of doing more with less.  How can you help them?
  • Recognise that ultimately, differentiation come about from people.  Email and social media can only take you so far.  How do you sound to your clients?
  • Be an expert in what you do.  Even a small effort to improve yourself applied consistently will make a big difference

What is your unique value?

It is such a simple question, yet at the same time such a hard question for most business people to answer.  So often the answer is coloured by what you’d like as opposed to the reality.
Often it’s easier to start with “What are clients buying and why?”  If you are honest and objective about coming up with an answer, it might surprise you.
When you get to the “Why” bit of that question, what sort of shape are your answers taking?  Are you talking about your capabilities, or the benefits they provide?
The sorts of things you should consider include:
  • Are there things you’re doing that don’t have value to your clients?
  • Are you doing enough of the things that do have value to your clients?
  • What are the things you do that bring your clients and you the greatest returns?
  • When you are talking with clients, are you talking about the things that really matter to them and they can instantly identify with?
  • Are you sounding generic or focused?
  • How can your sales and marketing messages be improved?
  • Is your elevator pitch totally client focused?

Tuesday, 14 August 2012

Greatness Comes to Those Who Dare to Fail

There seems to be an increasing number of Indonesians that are interested in being entrepreneurs. Strong indicators of this interest are the numerous events that have popped up recently offering education, business forums and courses in entrepreneurship. Just last month alone, thousands of enthusiastic individuals flocked to two large entrepreneurship festivals in Jakarta and Bandung seeking knowledge and opportunities.
However, there are also thousands of people who pass up entrepreneurial opportunities for the same reason why people in general are reluctant to try something new in their life — the fear of failure.
Mankind has long been programmed with a natural desire to learn, improve or achieve something. This can be seen with the various technological advancements we have seen in the last two decades. Without this desire, we will still be living in the Stone Age. There are those, however, that have become too comfortable in their perceived comfort zone. Any change is taken negatively rather than positively, and taking a risk in something new is just not worth the disruption to their lives.
As such, you can expect a plethora of feeble excuses from these people to stay put and avoid the unknown: I’m not ready. I don’t have the time. I don’t have what it takes. I don’t have enough money. What will people say? How can I compete with others? 

And the biggest excuse for inaction would be: What if I fail?
It seems that fear of the unknown and worrying are fundamental aspects of being human. It is a natural instinct of self-preservation. However, it is best to change one’s mindset regarding failure. Fear of failure prevents us from trying new life experiences: a new hobby, a new relationship, a new business, etc. Luckily, self-limiting beliefs are not unbreakable. Fear can be overcome. Worry can be rationalized. Failure can be mitigated.
First and foremost, we need to wrap our head around the fact that we need failure in our lives. Failure gives us feedback in order to succeed. Every successful person I have known has failed one way or another. It is how they used failure as a learning experience to bounce back and become successful again that is the hallmark of a true entrepreneur. 

Steve Jobs was a shining example of being able to sustain failure. Today, we remember him for his turnaround at Apple and the introduction of life changing devices such as the iPod, the iPhone, the iPad and the new iMac line of computers. However, few would remember him being forced out of a boardroom coup at Apple in 1985 after a run of bad products (the most notable being "Lisa," a computer that costs tens of millions to develop but was considered an epic fail), or his attempt at starting a competing company, NeXT which ended up as a flop — depending on which side you are standing on (Apple bought NeXT for $429 million in 1996 as part of the deal to hire Jobs back). As Apple co-founder Steve Wozniak mentioned in the Innovation and Creativity seminar in Jakarta last month, it was Jobs' failure in his previous stints that drove him to do better when he returned to the company he founded.
Secondly, for those who still tremble at the word "failure," try to refocus and re-classify failure as "practice" or "experimentation." A professional football player attempting to perfect a trick would have to practice it hundreds of times first during training sessions before daring to try it out on the big stage. Each of these practices are actually miniature failures — from the feedback he gets, he will attempt to either replicate the same action or change the way he is doing it in order to achieve the desired result. 

Cristiano Ronaldo of Real Madrid FC is a perfect example of this. Many laud his God-given talent on the pitch, but few know of the number of hours he puts in after training each day practicing his craft to fulfill his ambition of being the world’s best. If we can do the same with our lives and keep practicing until we succeed, then every single failure we have brings us closer to our goal.
Finally, we need to manage and learn from failure. Know your limits and fail within the "safety zone," that is, when failure occurs, it is not catastrophic or affects your life in an adverse manner. You also need to stand up to failure. Analyze what created that failure and treat it as a life lesson. Don’t run away from it and try to bury your head in the sand like an ostrich. Most of all, never be afraid to attempt again. I like to think the cost of failure is akin to your "tuition fee." By making mistakes and failing, you are gathering life experiences that give you the insight to improve and become a better person.
Be it in business or in everyday life, if we dare ourselves to be a little bit more adventurous, confront our fear, muster the courage to try a few simple but new things or to pursue your true calling and savor the ups and downs, you will eventually succeed. You will also feel empowered and in control because you took the opportunity and gave it a try. After all, we all need to get around the fact that failure is part of life, and is also a necessary step towards success. Once you dare to fail, you are on your way to success.
Brandon Chia is Chairman of HDI Group of Companies and recently assigned to oversee the business unit in Indonesia.

Saturday, 11 August 2012

kiat sukses mempertahankan eksistensi usaha

Berhasil merintis sebuah usaha ternyata belum bisa menjanjikan kesuksesan bagi pelakunya. Tak jarang para pelaku usaha harus gigit jari manakala bisnis yang dijalankannya mengalami kebangkrutan akibat gempuran pasar yang semakin pesat.
Tingginya persaingan pasar dan besarnya tuntutan konsumen menjadikan langkah para pengusaha dalam mempertahankan eksistensinya tidak lebih mudah daripada merintis sebuah usaha. Kondisi seperti ini tentunya menjadi tantangan besar bagi para pelaku bisnis, sehingga dibutuhkan strategi-strategi jitu agar kesuksesan usaha mereka tetap bisa terjaga di tengah persaingan pasar yang semakin meningkat.
Nah, untuk membantu para pelaku usaha mempertahankan eksistensi bisnisnya. Pada kesempatan kali ini sengaja kami informasikan beberapa tips bisnis yang bisa Anda jalankan agar kesuksesan bisnis Anda tetap terjaga di tengah ramainya persaingan yang ada.
Pertama, jadilah solusi total bagi permasalahan para konsumen. Ketika Anda telah berhasil merebut kepercayaan para konsumen, maka selanjutnya tingkatkan loyalitasnya dengan memenuhi kebutuhan yang mereka cari. Strategi tersebut cukup efektif untuk mempererat hubungan Anda dengan para konsumen. Dengan memberikan total solution bagi permasalahan yang mereka hadapi, tentunya konsumen pun semakin enggan untuk berpaling ke produk yang lain.
Kedua, ikuti perkembangan pasar. Untuk mempertahankan kesuksesan bisnis Anda, sebaiknya ikuti perkembangan trend pasar yang diminati para konsumen. Dengan mengikuti perkembangan trend terbaru, maka Anda bisa mengetahui minat para konsumen saat ini dan berusaha memenuhinya untuk menciptakan kepuasan pelanggan. Semakin sering Anda melakukan inovasi, maka semakin besar pula peluang yang Anda ciptakan untuk memenangkan persaingan pasar.
 Ketiga, amati gerakan para pesaing. Laju pertumbuhan para pesaing perlu diamati agar pelaku usaha bisa mengetahui seberapa besar ancaman yang ada di sekitarnya dan strategi apa yang bisa mereka gunakan agar bisnisnya tidak tenggelam di tengah gempuran persaingan yang ada. Ketika pergerakan para pesaing telah Anda ketahui, maka secara tidak langsung Anda akan termotivasi untuk mencari ide-ide baru dan menciptakan inovasi produk unik guna mengatasi ancaman kompetitor yang semakin sengit.
Keempat, fokus untuk mengembangkan usaha Anda. Ketika Anda dikelilingi para pesaing, maka jangan pernah takut dan usahakan untuk menentukan satu prioritas utama yang menjadi target bisnis Anda, baik untuk rencana jangka pendek maupun jangka panjang. Dengan menentukan prioritas utama yang ingin Anda capai, maka secara tidak langsung Anda bisa lebih fokus membawa bisnis tersebut semakin ke depan dan meninggalkan para pesaing Anda.
Kelima, perluas jaringan bisnis Anda. Banyak orang mengatakan “Semakin banyak relasi, semakin banyak rejeki.” Perumpamaan tersebut memang sangat cocok bagi para pelaku usaha. Dengan memiliki banyak relasi, maka semakin besar pula peluang sukses yang mereka miliki, sehingga tidak heran bila pemasaran bisnisnya semakin pesat dan perkembangan usahanya mengalami peningkatan yang cukup positif. Ingat, semakin kuat kerjasama yang Anda jalin, maka semakin mudah pula jalan Anda dalam mempertahankan eksistensi usaha.

 Semoga informasi kiat sukses mempertahankan eksistensi usaha ini bisa memberikan manfaat bagi para pembaca dan membantu para pemula yang sedang mulai merintis sebuah usaha. Ciptakan strategi jitu bagi bisnis Anda dan jadilah pemenang dalam setiap persaingan yang ada, salam sukses.


Ini yang Membuat Orang Kaya Makin Bertambah Hartanya

Istilah orang kaya makin kaya dan yang miskin makin miskin, sudah sering kita dengar. Kenyataannya fenomena itu memang benar-benar terjadi dalam kehidupan kita.

Berikut ini penjelasan singkat pakar marketing Tung Desem Waringin, bagaimana kita berpikir dan memposisikan diri sebagai orang yang kaya, menengah atau bahkan hanya sebagai orang miskin:

Mengapa orang kaya semakin kaya? Karena begitu orang kaya penghasilannya bertambah besar, maka gaya hidupnya sementara tetap (menunda kesenangan). Penghasilan yang lebih ini di investasikan kedalam asset. Misalnya beli saham yang menghasilkan deviden, rumah kost kost-an, ruko yang dikontrakkan, Mall yang disewakan, sarang walet, usaha-usaha yang menghasilkan, dan lain-lain.

Sedemikian sehingga penghasilan mereka bertambah besar. Dan ketika penghasilan mereka bertambah besar lagi, mereka investasikan lagi ke dalam asset tersebut diatas, sehingga semakin kaya dan semakin kaya lagi.

Mengapa orang menengah bergumul terus secara finansial? Ketika orang menengah penghasilannya bertambah besar maka dia mencicil rumah yang lebih besar, mobil yang lebih besar, handphone yang lebih canggih, komputer yang lebih modern, televisi yang lebih besar, audio yang lebih canggih dan banyak sekali uang untuk kewajiban sehingga masuk kedalam pengeluaran.

Orang menengah ini bisa memiliki rumah yang besar, mobil yang besar tapi tidak mempunyai uang yang bekerja untuk dia. Dan seumur hidupnya menjadi budak uang karena membayar cicilan semakin besar seumur hidupnya.

Mengapa orang miskin bablas miskin?
Orang miskin tidak perduli seberapa besar pun penghasilannya semua akan masuk ke pengeluaran.

Orang miskin begitu penghasilannya bertambah besar mereka beli TV yang besar, beli jamnya yang mahal, beli hp yang lebih baru, beli baju mahal, makan di restoran mewah, ikut keanggotaan fitness, ikut asuransi yang tidak perlu, dan lain-lain. Semua dijalankan karena gaya hidup moderen atau tidak mau ketinggalan zaman.

Pertanyaannya: Bila penghasilan Anda bertambah besar, Anda belikan apa? Hal-hal yang menghasilkan uang lagi atau hal-hal yang menghabiskan uang. Silahkan dijawab, Anda yang tahu termasuk golongan manakan Anda?

Semoga bermanfaat, Saya Tung Desem Waringin mengucapkan salam dahsyat!

(Sumber: detik finance)

Ngutang ke 'IMF' Masuk 11 Jurus Jitu Dapat Modal Usaha

Modal adalah suatu hal yang wajib ketika Anda mulai bisnis. Ada yang menggunakan modal besar atau pun modal kecil. Namun ada pun yang tidak memakai modal dan bisa memulai serta mengembangkan bisnis.

Berikut ini 11 cara mendapatkan modal untuk memulai bisnis, yaitu :

1. Menabung
Menabung adalah modal awal Anda.

2. Berhutang kepada IMF (Istri Mertua Famili )/(Suami, Mertua, Saudara)

3. Berhutang kepada teman
Jika Anda diberikan pinjaman oleh teman Anda dengan jumlah uang yang lebih besar dari yang Anda pinjam, Anda bisa melakukan cicilan untuk membayar uang yang dipinjam.

4. Berhutang kepada Bank
Jika Anda berhutang kepada Bank, Anda harus membayar tepat waktu. Jika Anda tidak bisa bayar, Anda akan diblacklist dan sulit untuk berhutang ke bank-bank lainnya. Karena hutang Anda sudah tercatat di Bank Indonesia.

5. Private Investor
Anda beli diawal dan menjadi private investor dengan membangun investor juga.

6. Modal Ventura
Suatu bisnis yang sudah terlihat bahwa bisnis itu akan berkembang pesat sehingga di beri modal dengan bagi hasil jika sudah mendapatkan keuntungan.

7. Jual Saham
Anda juga bisa menjual saham dengan vuture Value.

8. Jual Franchise
Jika Anda sudah memiliki tambahan modal, Anda bisa mengembangkan dengan lebih besar.

9. Jual Ide
Meskipun Anda tidak mempunyai modal, Anda bisa menjual ide Anda jika Anda memang memiliki ide yang sangat cemerlang.

10. Partnership
Jika memang sudah join dalam berpartner, maka proyek diatas namakan milik berdua. Sehingga terjalin kerjasama yang erat dalam suatu proyek.

11. Berhutang kepada Supplier
Anda juga dapat meminjam kepada supplier Anda, jika memang ada. Jika tidak alda, jangan memaksa untuk harus ada.

Dan ada 2 cara untuk usaha tanpa modal, yaitu

1. Makelar
Menjadi makelar, memasarkan produk orang lain dengan perhitungan komisi.

2. Tukar ilmu atau waktu, tempat dan talenta

Sekian artikel tentang cara mendapatkan modal, dan bisnis tanpa modal. Semoga bermanfaat, Saya Tung Desem Waringin mengucapkan Salam Dahsyat.

(Sumber : Detik Finance)

Ini Cara Mengubah Kegagalan Jadi Sebuah Peluang

Bagi seorang pemenang, kekecewaan, kekalahan atau kegagalan memberi inspirasi kepada mereka untuk terus belajar dan take action sehingga mereka lebih baik dan lebih kuat. Bagi pecundang, kekecewaan, kekalahan atau kegagalan menghentikan mereka.

Mengutip John D. Rockefeller, "Saya selalu berusaha mengubah setiap bencana menjadi peluang" Menurut ayah kaya Robert Kiyosaki, "Hanya orang bodoh yang berharap semua berjalan sesuai dengan keinginannya"

Siap untuk kecewa bukan berarti menjadi seorang pecundang yang kalah atau pasif. Dengan siap secara mental dan emosional serta finansial mempersiapkan diri menghadapi kejutan yang mungkin kita tidak inginkan maka kita bisa bertindak dengan tenang dan bijaksana ketika keadaan tidak sesuai dengan keinginan kita.

Dengan kata lain kita harus siap dengan kemungkinan terburuk dan selalu berjuang (termasuk dalam hal ini belajar, mempunyai impian) dengan konsisten dan persisten untuk mencapai yang terbaik.

Singkatnya, kita semua melakukan kesalahan. Kita semua merasa kesal dan kecewa ketika keadaan tidak sesuai keinginan kita. Namun perbedaannya terdapat pada cara kita memproses kekecewaan itu secara internal. Ayah kaya meringkasnya seperti ini.

Ia berkata, "Ukuran keberhasilanmu ditentukan oleh kekuatan hasratmu; besarnya mimpimu; dan caramu menghadapi kekecewaan selama perjalanan.”Banyak orang yang menggunakan kekecewaannya seperti membangun tembok mengelilingi mereka sehingga mereka tidak berkembang lagi. Tetapi ada juga yang menggunakan kekecewaan sebagai pondasi atau batu pijakan untuk tumbuh menjadi lebih baik.

Bagaimana caranya menggunakan kekecewaan, kekalahan atau kegagalan menjadi kekuatan. Yaitu dengan menggunakan pertanyaan di bawah ini :

  1. Apa yang harus saya pelajari dari kejadian ini sehingga besok saya menjadi lebih baik?
  2. Saya harus belajar apa sedemikian sehingga bila menghadapi hal yang sama, saya akan jauh lebih berhasil?
  3. Siapa yang bisa membantu saya untuk menghadapi masalah yang sama sedemikian sehingga menjadi lebih mudah berhasil?

Semoga bermanfaat, Saya Tung Desem Waringin mengucapkan salam dahsyat!

(Sumber dari