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Monday 31 August 2009

QUIZ Entrepreneur2

7. Can You Make Decisions?

I can if I have plenty of time. If I have to make up my mind fast, I usually regret it.

I can make up my mind in a hurry if necessary, and my decision is usually O.K.

I don't like to be the one who decides things. I'd probably blow it.


8. Can People Trust What You Say?

I try to be on the level, but sometimes I just say what's easiest.

They sure can. I don't say things I don't mean.

What's the sweat if the other fellow doesn't know the difference?


9. Can You Stick With It?

If I make up my mind to do something, I don't let anything stop me.

If a job doesn't go right, I turn off. Why beat your brains out?

I usually finish what I start.


10. Can You Keep Records?

Records are not important. I know what's need to be known without keeping records.

I can, but it's more important to get the work out than to shuffle numbers.

Since they are needed I'll keep records even though I don't want to.

That's it ...


Grading

Score 100
Excellent. A perfect score. You are a born entrepreneur. If you are not presently running your own small business you should definitely start one -- the sooner the better. You are on the way to fame and riches.

Score 91 - 99
Very good. You definitely have what it takes to succeed in a small business of your own. Don't hesitate, your way to business success is wide open.

Score 72 - 90
Good. You have the qualities of a successful entrepreneur with some weak spots. Read the interpretation below to identify your deficiency. You should be able to cover that deficiency by either retraining yourself or hiring someone with the necessary skill.

Score 40 - 71
So so. The prospect of your success in a business of your own is questionable. You have some deficiencies that might out-shadow some good traits you have. If you still want to go on with it, be sure to call up all the persistence you can get. You are going to face some tough adversity on the way.

Score 40 and below
Unsatisfactory. Forget your dreams of being your own boss, it's not for you. You'd better keep your comfortable and secure job. Why bother with all the risks and hustles of starting a business.
REFERENCE : web.bizmove.com

QUIZ Entrepreneur

The Entrepreneur Test (For a Small Business Owner)

The first question you should answer when you are thinking of starting a business is "Am I the type?" You will be the most important employee in your small business. It is more important that you rate yourself objectively as the small business owner than how you rate any prospective employee. Appraise your strengths and your weaknesses. As a prospective operator of your own small business, acknowledge that you are weak in certain areas and cover the deficiency by either retraining yourself or hiring someone with the necessary skill. The questions in this test indicate to what extent you have the personal traits important to a business proprietor.

Instructions: Read each question and click on one of the suggested answers. Respond by marking the answer that most accurately describes your behavior, feeling or attitude as it actually is, not as you would like it to be, or think it should. You must be absolutely honest with yourself in order to get a valid score.

Go to the first question


    1. Are You a Self-Starter?

    If someone gets me started, I keep going all right.

    I do things my own way. Nobody needs to tell me to get going.

    Easy does it. I don't put myself out until I have to.


2. How Do You Feel About Other People?

Most people bug me.

I like people. I can get along with just about anybody.

I have enough friends and I don't need anybody else.

Go to the next question

3. Can You Lead Others?

I can get people to do things if I drive them.

I can get most people to go along with me without much difficulty.

I usually let someone else get things moving.


4. Can You Take Responsibility?

I'll take over if I have to, but I'd rather let someone else be responsible.

There's always some eager beaver around waiting to show off. I say, let him.

I like to take charge of and see things through.


5. How Good An Organizer Are You?

I like to have a plan before I start. I'm usually the one who lines things up.

I do all right unless things get too complicated. Then I may cop out.

I just take things as they come.


6. How Good a Worker Are You?

I can't see that hard work gets you anywhere.

I'll work hard for a time, but when I've had enough, that's it.

I can keep going as long as necessary. I don't mind working hard.

REFERENCE : web.bizmove.com

Kuiz entreprenuer

Apakah Saya Cocok jadi Entrepreneur? Jawablah Pertanyaan Ini

Cukup jawab *YA* atau *TIDAK* saja

1. Saya berkemauan keras

2. Saya punya alasan yang sangat kuat

3. Saya suka tantangan

4. Saya lebih suka bertindak ketimbang berteori

5. Saya bertanggung jawab penuh terhadap diri dan keluarga

6. Saya tidak suka diperintah dan diawasi

7. Saya suka belajar dari kesalahan

8. Saya suka mengambil inisiatif

9. Saya berpikiran terbuka (open minded)

10. Saya mudah beradaptasi dan bekerja sama dengan orang lain

12. Saya punya ide-ide baru

13. Saya selalu melaksanakan keputusan yang telah dibuat

14. Saya selalu melihat masalah sebagai tantangan

15. Saya suka mempelajari hal-hal baru

16. Saya berani mengambil risiko

17. Saya suka mengikuti intuisi (kata hati)

18. Saya tidak peduli dengan pendapat negatif orang lain

19. Saya selalu ingin tahu

20. Saya ulet, gigih, tidak mudah menyerah

21. Saya dapat menguasai emosi

22. Saya percaya akan diri sendiri

23. Saya punya keyakinan yang kuat

24. Saya punya impian yang jelas

25. Saya bersedia menunda kenikmatan dan berkorban untuk mengejar impian

26. Saya punya model yang menjadi inspirasi

27. Saya suka bekerja keras

28. Saya mandiri, tidak suka bergantung kepada orang lain

29. Saya selalu berpikir positif

30. Saya percaya dengan takdir Tuhan bahwa saya dilahirkan untuk jadi
pemenang


*Nilai:*

Jika anda menjawab YA sebanyak:

- 26 atau lebih, artinya punya peluang jadi entrepreneur sukses di atas
rata-rata

- 21 sampai 25, anda berpeluang jadi entrepreneur sukses dan financially
free

- 15 sampai 20, masih bisa jadi entrepreneur sedang-sedang saja

- Di bawah 15: wah, kayaknya anda nggak cocok jadi entrepreneur nih.

Sumber: Kompilasi dari berbagai sumber

Salam FUUUNtastic! SuksesMulia!
Wassalam,

Badroni Yuzirman,
To live, to love, to learn and to leave a legacy...

INDAH FASHION

ONLINE&OFFLINE SHOP
SALE MATERNITY/BIG SIZE& BREASTFEEDING CLOTHES/UNDERWEAR , BABY UNTIL 5 YEARS BRANDED (CUBITUS,ETC) CLOTHES,DRESS,WOMAN JEANS PANTS NEW&REASONABLE,BRANDED WOMAN&MAN WEB (LV,ETC), http://indahfashion.blogspot.com
e-mail:sweetye_indah@yahoo.com

Also visit, http://indahlifestyle-healthy.blogspot.com

http://indahmoney.blogspot.com

http://indaherbal.blogspot.com

http://indahcareer.blogspot.com

http://indahbrand.blogspot.com

Friday 28 August 2009

7 Characteristics of Incredibly Rich People

According to Forbes magazine's latest tally of the world's richest people, there are 465 billionaires in the world. That's 18 more billionaires than Forbes found two years ago. The world's top seven "working rich" billionaires (i.e., people who either earned or contributed to their wealth) all live in the United States. This suggests that if, like Chatterbox, you are lucky enough to live in the United States, sooner or later, you too may become a billionaire! Here are a few ways to prepare:

Become an info-age tycoon. OK, this one's a little obvious. For what it's worth, though, five of the Magnificent Seven made their money from information technology, including Microsoft chairman Bill Gates (still capo di tutti capi at $90 billion) and Michael Dell ($16.5 billion). Three of the five info-tech fortunes were made at Microsoft, publisher of Slate.

Be in your forties. Chatterbox's mental picture of a billionaire is someone who's at least 70, maybe 80 years old. Must be all those pictures of John D. Rockefeller and J.P. Morgan that cropped up in magazines a few months ago when major biographies of them were published. In fact, though, Warren Buffett ($36 billion) is the Methuselah of Forbes' Magnificent Seven at 68. The baby of the Seven, Dell, is 34. The mean age of the Seven is 49, so if you're older than that you should probably forget about ever becoming a billionaire.

Be a man. Sorry, still no girls allowed. Maybe next year.

Don't go to business school. Among the Magnificent Seven, only Microsoft president Steve Ballmer ($19.5 billion) has an M.B.A. (from Stanford). The only other person who went to grad school at all is S. Robson Walton ($15.8 billion), a graduate of Columbia Law School, but his being a billionaire probably has more to do with being related to Sam Walton. Three of the Magnificent Seven--Gates, Paul Allen ($30 billion), and Dell--didn't even graduate from college.

[Correction, 6/21: Whoops, Warren Buffett has a master's degree from Columbia. If you must go to graduate school, make it Columbia.]

[Correction, 6/22: Double whooops. Ballmer attended Stanford business school, but he didn't graduate. This further underscores Chatterbox's point that having an M.B.A. gets in the way of becoming a billionaire.]

Don't have lots of children. Chatterbox used to think people who had more than two children were showing off how loaded they were. Now he'll have to rethink that. The average number of children sired by the Magnificent Seven is a comparatively modest 2.6. Allen, who is single, has no kids. S. Robson Walton, the most fruitful of the Seven, has five.

Live west of the Mississippi. They all do.

source :web.slate.com

Have a surname the comes near the beginning of the alphabet. All but Walton have last names that begin with the first seven letters of the alphabet.

15 ciri pria berbakat kaya

Tidak sulit mencari lelaki kaya. Tapi
tidak mudah menemukan lelaki yang pantas Anda cintai sekaligus membuat
Anda tidak akan jadi "kaum duafa". Sebelum memutuskan menikah
dengannya, lihat dulu apakah dia punya 10 dari 15 ciri ini.
1. BEBERAPA REKENING
Lihat apakah kekasih Anda punya rekning bank lebih dari satu. Ini bisa
jadi indikasi dia berbakat kaya. Karena, biasanya orang yang punya
rekening tabungan dua atau lebih cenderung berusaha mengatur uangnya
dengan benar. Lelaki tipe ini memisahkan pos-pos pnghasilannya. Misal,
satu rekening digunakan hanya untuk menerima transfer gaji dan belanja,
rekening lainnya untuk tabungan.
2. SUKA MENOLONG
Tidak tepat jika orang yang suka menimbun harta, pelit, serta enggan
berbagi dan memberi adalah orang yang berbakat kaya. Justru lelaki yang
mudah tergerak hatinya dan gampang menolong oranglah yang pantas Anda
lirik. Dia adalah tipe orang yang akan relatif mudah hidupnya. Entah
bagaimana caranya, Anda berdua akan sangat jarang kesulitan uang. Dan
yang terpenting, kenikmatan memberi itu memang tak ada penggantinya.
3. PUNYA CITA-CITA
Jangan harap Si Dia berbakat kaya jika hidupnya dialirkan bagai sungai,
entah hendak bermuara di mana. Lelaki yang berbakat kaya selalu punya
rencana besar dalam hidupnya. Ada sesuatu di masa depan yang hendak
diraihnya. Untuk itu, dia akan punya rencana jangka pendek dan menengah
untuk mencapai cita-citanya. Dalam bercita-cita, dia tidak takkut ada
mmpi yang tampaknya mustahil.
4. TAK BERHOBI SPESIFIK
Lelaki yang punya hobi spesifik cenderung menghabiskan uangnya untuk
hobinya. Ini juga berlaku untuk lelaki yang hobi berbelanja. Tentu saja
ada orang yang punya hobi spesifik punya urat kaya. Namun, toh tidak
semua orang punya nasib bisa kaya begitu saja. Lelaki yang tidak punya
hobi spesifik biasanya akan mengeluarkan uangnya untuk berbelanja
berdasarkan mood. Dia cenderung merasa tidak punya kebutuhan spesifik, sehingga enggan membeli seusatu.
5. BUTA HARGA

Dia tidak tahu persis apa bedanya barang mahal atau murah. Buatnya,
kemeja ya kemeja. Bentuknya seperti itu, ada ukurannya yang pas dan
pantas dipakai ke kantor. Lelaki seperti ini tidak akan bermasalah dengan kemeja murahnya.
6. HIDUNG BISNIS
Apakah Anda pernah mendengar dia mengatakan (kurang lebih), "Ini bisa
jadi peluang bisnis. Bisa dicoba." Artinya, dia dapat melihat sesuatu,
sekecil apa pun, sebagai sebuah peluang bisnis. Tiak banyak orang yang
punya kemampuan seperti ini. Jadi, kalau dia kerap melontarkan komentar
yang berhubungan dengan peluang bisnis, bisa jadi ia memang berbakat kaya.
7. PEKERJA KERAS
Punya hidung bisnis saja tidak cukup tanpa kerja keras. Ini yang
membedakan seorang pemimpi kelas berat dengan pengejar mimpi. Seorang
pengejar mimpi akan berusaha sekuatnya untuk mewujudkan cita-citanya.
Tentunya itu dengan kerja keras.
8. KEAHLIAN KHUSUS

Perhatikan deh, apakah Si Dia punya satu atau dua keahlian khsuus.
Misalnya, dia menguasai komputer dengan baik, pandai melobi, atau apa
pun. Kemampuan khusus ini bisa jadi modal dia dalam menjalani hidupnya.
Lelaki tipe ini cenderung survive dalam hidupnya.
9. BANYAK TEMAN

Temannya ada di mana-mana. Tidak hanya mantan teman-teman SMA, kuliah
atau kantornya. Tapi juga dari komunitas lain, yang mungkin Anda tidak
pernah duga sebelumnya. Orang yang banyak teman bisa diartikan punya
networking yang cukup luas. Sehingga, ditaruh di mana pun dia akan bisa
hidup (dengan baik).
10. MEMELIHARA PERTEMANAN
Kadang Anda jengkel karena dia rajin menelepon atau SMS yang tidak
penting ke teman-temannya. Just say hello saja bisa berkepanjangan.
Mestinya, Anda tidak perlu kesal, karena ini adalah caranya untuk
memelihara pertemanan. Orang boleh punya banyak teman, tapi jika dia
tidak bisa memeliharanya, maka sia-sia saja.
11. MUDAH BERTEMAN
Hanya orang yang menyenangkan yang mudah berteman. Pergi ke tempat baru
mana pun, dia bisa dengan mudah punya teman ngobrol. Ini menandakan dia
orang yang terbuka, punya sense of humor dan berwawasan cukup luas.
Orang-orang seperti ini biasanya tidak sulit beradaptasi dengan
lingkungan baru, termasuk jenis pekerjaan baru. Sehingga, dia tidak
perlu khawatir tidak punya pekerjaan yang baik.
12. PERCAYA DIRI
Dia tahu persis apa kelebihan dan kekurangannya, dan percaya orang lain
pun begitu. Sehingga, dia tidak gentar ketika berinteraksi dengan orang
lain, atau diharuskan melakukan sesuatu yang baru. Termasuk dia percaya
bahwa dia bisa hidup layak hari ini atau esok lusa, bersama Anda.
13. FOKUS
Dalam melakukan apa pun, dia fokus. Perhatiannya tidak mudah
terceraikan oleh hal lain. Orang yang fokus biasanya punya tanggung
jawab yang baik. Ini berhubungan dengan bagaimana dia berusaha mencapai
cita-citanya, menyelesaikan pekerjaannya, dan serius membangun hidup bersama Anda.
14. OPTIMIS
Hampir tidak pernah Anda mendengar, "Ah, susah", Enggak bisa",
"Mustahil aku bisa melakukannya" , "Malas ah", dan yang sejenisnya.
Lelaki pesimis akan sulit survive dalam hidupnya. Keoptimisan bisa
membuat seseorang mampu melakukan sesuatu yang secara hitungan di atas kertas sulit.
15. SEHAT
Lelaki penyakitan akan lebih banyak menghabiskan waktunya dengan tidak
melakukan apa-apa.. Belum lagi ongkos dokter dan rumah sakit yang makin
tidak masuk akal mahalnya. Uang Anda berdua bakal habis di sini. Selain
itu, orang yang sehat akan bisa berpikir dengan lebih sehat.
Jangan pernah terjebak pada penampilan luar dan mulutnya yang
bilang, "Hidupmu terjamin sampai kapan pun, Sayang." Karena, yang
terpenting Anda merasa nyaman hidup dengannya, dia bisa membuat hidup
Anda berarti, dan Anda bisa tertawa bersamanya.

Artikel ini diambil dari sumber web.beritane t.com/Life- Style/Jokes/ 15-Ciri-Lelaki- Berbakat- Kaya.html
Immel Razak

INDAH FASHION

ONLINE&OFFLINE SHOP
SALE MATERNITY/BIG SIZE& BREASTFEEDING CLOTHES/UNDERWEAR , BABY UNTIL 5 YEARS BRANDED (CUBITUS,ETC) CLOTHES,DRESS,WOMAN JEANS PANTS NEW&REASONABLE,BRANDED WOMAN&MAN WEB (LV,ETC), http://indahfashion.blogspot.com
e-mail:sweetye_indah@yahoo.com

Also visit, http://indahlifestyle-healthy.blogspot.com

http://indahmoney.blogspot.com

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Si Gagap Salesman Handal

Salesman Manager dan para salesnya heran bukan kepayang. Bagaimana tidak, salah satu salesman mereka yang ngomongnya GAGAP, mencapai rekor penjualan terbanyak atas buku buku yang dijual perusahaan itu. Dalam pikiran mereka, ngomong saja GAGAP, bagaimana mungkin dia bisa membujuk orang dengan kata kata yang menghipnotis agar mereka mau membeli buku buku yang dijualnya.

Saking penasarannya, akhirnya sang Sales Manager menemui Salesman Buku yang ngomongnya GAGAP tadi.
"Heh.. kamu sini !", seru sang Sales Manager.
"Aaaa da aaapa... Paal... ssssaaaaya.. dididipppanggil? ???...", jawab sang Salesman GAGAP.
"Apa yang bisa buat penjualan buku mu jadi laris?", kata sang Sales Manager.
Lalu Salesman GAGAP menjawab, "Ggggampang. .. Ppppak. Sssama tttiap ooorang yayayang bbaru mau bbbeli Buku sssaya ...kkkasih 2 pppilihan:

"Bu/ Pak, Bbbbukunya mmmau dibeli Aaatau Sssaya Baccain ssssajaaa... ..".

Waduuuh ....kalo saya pembelinya terpaksa saya beli bukunya daripada dia yg bacain cabe deh...bbbbettuuul kkkkaaan...: )

Tapi ada satu poin penting kalau terkadang kekurangan kita justru adalah kekuatan atau sekedar pemicu kekuatan terpendam kita

cheers...
source (Wids 2009), "Widi Safari"


INDAH FASHION

ONLINE&OFFLINE SHOP
SALE MATERNITY/BIG SIZE& BREASTFEEDING CLOTHES/UNDERWEAR , BABY UNTIL 5 YEARS BRANDED (CUBITUS,ETC) CLOTHES,DRESS,WOMAN JEANS PANTS NEW&REASONABLE,BRANDED WOMAN&MAN WEB (LV,ETC), http://indahfashion.blogspot.com
e-mail:sweetye_indah@yahoo.com

Also visit, http://indahlifestyle-healthy.blogspot.com

http://indahmoney.blogspot.com

http://indaherbal.blogspot.com

http://indahcareer.blogspot.com

http://indahbrand.blogspot.com

Friday 21 August 2009

The 8 Traps Causing Failure3

Trap 6 - Poor Marketing

The first priority of every business is to get and keep customers. No matter how good the service; no matter how excellent the product; nothing happens unless you have customers.

‘The best advertising is word-of-mouth’ is a maxim that has harmed more businesses than any other truism. It’s not because it’s untrue, word-of-mouth is probably the best advertising. After all, it is free, it is believable and it works. But too often it is used as an excuse for having no marketing at all.

So even if an enterprise adopts word-of-mouth advertising as its preferred marketing strategy, it should formulate a plan to stimulate its customers to talk to their friends. What if it isn’t bringing in new customers at a fast enough rate to remain profitable? I see so many clients who buy coffee shops and then sit back and wait for customers. You can’t grow that way.

When you get down to the basics, marketing is fairly simple really. You need to know exactly what features your product has and benefits your customers derive from those features. You need to know what sort of people your existing customers are, and then explore how to present you product/service to the same sort of people.

Whatever your business is, you should strive to make it ‘different’ in some way. No two restaurants should be identical even if offering the same cuisine. Be independent and innovative in what you do and offer something different-even if it is in the quality or personal service. Give customers a reason to come to your restaurant instead of the one up the road.

Take the time to explore ways of increasing the number of customers. Sales seldom increase without some effort, and a business standing still with no new customers is a business beginning to die.

Trap 7 - Poor employee Management

Despite their good reputation for employer/employee relationships, small businesses often mishandle staff. Small business proprietors continually complain of the poor staff on offer. They complain of employees not taking direction, being unenthusiastic at work, taking sickies and long lunch and tea breaks.

Disgruntled workers are poor performers who chase customers away. Yet it has been proven that the cause of most of these problems is not the poor quality of the staff offering themselves for jobs, but inept staff management.

Very few small business proprietors have formalized training programs for their staff. Nor is the typical small business owner particularly skilled in hiring the right staff. If the employee who is hired does not have the necessary skills when hired, then lack of suitable on-the-job training ensures that she will never acquire it.

Another problem for the small business owner is that because the closeness with which he works with his staff he becomes so friendly with them that he lacks the necessary assertiveness to create a happy, co-operate environment in which quality service is given.

In most cases of failing firms there is a low or complete lack of morale.

So check the morale of your staff. If you think poorly of them, it’s odds on that they think poorly of you. Do something about it because low morale is another sign of a failing business.

Trap 8 - Assuming the proper role

Why is it that one restaurant succeeds and grows while another with similar service, location and capital just doesn’t get off first base? Usually the difference is in the skills of the owner.

The skills required change as the business changes. We all know about the chef who prospered while he spent most of his time in the kitchen doing what he did best. His troubles started only when the business grew to the extent that he needed to be out of the kitchen so much that he needed to employ other chefs and kitchen staff.

While he was doing everything, he could easily keep all the things he needed to know in his head. Now he can’t, and the records have not been put in place so that he know what’s going on.

He forever lurches from one crisis to another, from one angry supplier to another, from one dissatisfied customer to another, from one angry employee to another. His business is doomed if he doesn’t realise that his role has changed.

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The beginning business needs an operator. Someone who can get his hands dirty and perform any of the functions that are required. As the business grows the owner can be a chef no longer but needs to assume the role of manager. Paperwork has multiplied, staff and equipment have increased and the role of the top man has been made more complicated. Failure at this stage to grasp the new role may mean the failure of the business, too! The owner can be a chef no longer!

It is difficult for the small business owner to know when each stage of his business has been reached and the business may never reach the transition stage because he fails to allow it.

This is the reason small business owners must be careful in their choice of accountant. If his accountant merely produces tax returns each year without advising on the health of the business-then the owner is alone, indeed!

Contact Kelvyn Peters CPA & Associates. You just need a little help, you will find it at http://profitstrategies4business.com

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He is a director of Restaurant Catering Qld Inc the peak employer representative in Queensland, and advised the hospitality industry for many years.

His speciality is moving in to rescue ailing restaurants.

Kelvyn Peters CPA has spent over 20 years experimenting and researching methods to help small business in meaningful ways that are affordable.

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The 8 Traps Causing Failure2

Trap 2 - Sloppy Bookkeeping

New operators often ask the question-What books should we keep? The question invites a short and concise answer. But it is the wrong question and the accountant who answers does disservice to his client.

The question is not-“What should we keep?”- but “What do I need to know?” The correct books meticulously kept are useless if the proprietor makes no use of the information they convey.

A poor record keeping system leads to serious problems in every aspect of the business from advertising to sales, from stock control to taxes.

A record keeping system should be easy to maintain and regularly kept to provide current information quickly.

The appropriate records will tell you a lot of things about your business that you will need to know! If it doesn’t you need to change it. Information unused is worthless information and a waste of time.

Trap 3 – Spending more than you receive

One of the most dangerous pieces of information that traditional accountants give is a ‘breakeven figure’ which tells you the level of sales which is just sufficient to pay expenses. But what good is that if the business is your only income producer? How will the business survive if you can’t pay the rent on your home or make mortgage payments or pay school fees?

A more meaningful figure is the sales required to produce the necessary cash to pay all your living expenses and your taxes.

Many proprietors don’t know that a growing business requires more and more capital to support it. Even if a doubling of sales does not require an increase in staff or equipment, it does require an increase in stock and debtors.

In most small enterprises this can only come from profits. It is seldom that the money in the bank today is completely available for spending today.

Often a shortage of cash is a symptom of other problems with the business, so your first move should be to your accountant.

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Trap 4 - Failing to Plan

Failing to plan is the single most common management trap among struggling business owners! Planning is very important for ‘Big Business’, but it is vital for the small firm because it hasn’t the resources to cope with any mistakes as does the large organisation.

Developing plans for your business isn’t easy - only necessary! We often hear the plea, ‘But it is impossible to accurately predict the sales in this business!’ And often they are right too!

But it isn’t necessary to be accurate in predictions and estimations if you monitor and adjust as you go. Nor are figures as important as the trends. So absolute accuracy isn’t necessary. A poorly prepared plan well maintained and adjusted as you go is a thousand times better then no plan.

Trap 5 - Dilly Dallying

The typical small business proprietor has too much to do. Surveys suggest that most small business owners work a sixty-hour week with some regularly doing over seventy. Does this sound like anyone to you know? So busy are they that they haven’t time for trivial matters and all time is spent on vital matters dealing with business management-right?- Wrong!

A trap for the unwary is to allow the business to run the proprietor instead of the proprietor running the business. Sometimes this a symptom of poor planning, but often owners fritter away their time on trivial matters doing insignificant tasks which staff should do while vital jobs are left undone.

A safeguard against this is to ask yourself several times a day ‘Is this the most productive thing I could be doing right now?’ And do the most productive task right now.

Article Source: http://EzineArticles.com/ ,http://work911.com

The 8 Traps Causing Failure

Editor's Summary: Poor management and poor money sense are the number one reasons why businesses fail within the first twelve months of opening their doors. Learn how neglecting to write a business plan, and not recognizing a very real need for experience can lead to business failure. Read about the other six traps presented in this article.


It is estimated that 78% of all small business start-ups fail within the first twelve months years, and long-term survival is likely for only 22% of all new business start-ups.

At the same time huge corporations with seemly vibrant trade suddenly close their doors.

Why is this so?

An analysis of the reasons for business failure suggests that over 60% of all business failure is due to poor management practices.

The one attribute which must exist in every firm The only rule to survival is that money in must be greater than money out. We often forget this. Too many entrepreneurs think that extra cash will solve almost every problem. Good management - not money - is the key to a business flourishing or dying.

Does this mean that the old saying about using other people’s money is wrong? No! But the money coming in each year must be greater than the money going out for expenses, owners’ private expenses and the costs of servicing loans. Profit is vital to a business but cash is king.

No cash no business

Learning management skills

There are two very good ways for small business owners to learn management skills.

One is to find out what the “high-fliers” in your industry do, and do the same! Perhaps then you will become a “high-flier” too!

If you don't PLAN training for employees you are wasting time and money. Ensure training provides return on investment

Training Needs Assessment Step-By-Step Helpcard gives you the know-how to ensure that employee training fills real organizational needs. And that's the key to getting return on investment. Explained in terms any manager or HR professional can use right away.

Preview before purchase. Buy downloadable version or printed one.

For more information click here

Another is to study the mistakes of others. We have identified those often made by business owners.

The following are the 8 traps which cause business failures.

Trap 1- Discounting the need for experience

If there is one thing that distinguishes big business management from small business management, it is that the owner/manager must be the chief cook and bottle washer in a small business whereas each of the different facets of a business such as accounting, marketing, purchasing, research, training and sales, has a specialist who is responsible for them in large firms.

Seldom does one person have an in-depth knowledge or experience in all management disciplines. So the businessman who has a real skill in only one or two needs to be strengthened by knowledge in the others.

The best Chef in Australia will find it hard to succeed in business for himself if he has no skills in marketing or financial matters.

One solution is to get some training in operating a small business before you start; Colleges now have good programs for the intending new purchaser.

The owner should review her own weak points. The gaps can then be closed by a crash self-development program, getting some knowing partners or staff, or by hiring outside consultants.

Article Source: http://EzineArticles.com/ ,http://work911.com

8 jurang kegagalan dalam berbisnis

Berikut ini adalah 8 jurang kegagalan dalam berbisnis yang sebaiknya anda hindari :

1) Tidak berbisnis secara serius

banyak orang yang ingin berbisnis dan hanya menganggap sebagai penghasilan tambahan, ketika anda berpikir bahwa bisnis anda hanya penghasilan tambahan maka yang ada dapat hanya sebagai penghasilan tambahan. Pebisnis sukses sangat serius mengelola bisnisnya dan mencurahkan tenaga dan waktunya untuk memperbesar bisnisnya

2) Memiliki keraguan

Orang sering kali ragu ketika ingin berbisnis, apakah saya bisa? Bagaimana dengan pengahasilannya nanti? Dll. Dan bahkan ketika sudah memulai bisnisnya banyak sekali pengusaha yang masih ragu akan banyak hal. Pebisnis sukses tidak pernah ragu dan berusaha menghasilkan yang terbaik bagi bisnisnya

3) Tidak menginvestasikan waktu untuk menguasai bisnisnya

tidak ada bisnis yang mudah, tetapi bagaimana anda meluangkan waktu anda untuk belajar membangun bisnis anda dan mencari ilmu dari pengalaman dan orang-orang yang sudah sukses dalam bidang yang anda jalankan menentukan berkembang atau tidaknya bisnis anda.

4) Berpikir bahwa bisnis adalah cara kaya yang instan

Tidak ada bisnis kaya yang instan, semua dilalui dengan proses dan kerja keras. Sama seperti halnya anda bekerja, semua dimulai dari kerja keras dan integritas barulah anda dapat mencapai hasil yang anda harapkan

5) Tidak memiliki fokus

banyak pebisnis yang tidak fokus akan tujuan awalnya berbisnis, semula ingin ke tujuan A tetapi dalam perjalanannya menghadapi rintangan dan cobaan kemudian mulai ingin coba-coba bisnis yang lain. Pengusaha yang sukses akan menghadapi semua halangan dan rintangan dengan fokus sampai mereka melewatinya, baru kemudian mereka berpikir jalan lain.

6) Tidak tahu bagaimana mempresentasikan bisnisnya

orang tidak akan tahu dan tidak akan melihat bisnis anda kalau anda tidak dapat mempresentasikan bisnis anda dengan baik, menonjolkan kualitas layanan dan produk dari bisnis anda adalah hal yang sangat penting untuk dilakukan.

7) Tidak memiliki visi yang jelas

kebanyakan pengusaha hanya mengikuti apa yang sedang menjadi tren saat ini, mereka tidak mempunyai pandangan yang jauh kedepan, dan tidak mempunyai visi atas bisnisnya, sehingga ketika tren itu berubah maka bidang bisnis mereka pun ikut berubah

8) Tidak memiliki goal yang jelas

seorang pengusaha harus memiliki goal atau tujuan yang jelas akan bisnisnya. Dibawa kemana bisnis itu 1 tahun lagi, 5 tahun bahkan 10 tahun kedepan. Banyak sekali pengusaha yang hanya memikirkan proses dan tidak melihat tujuannya. Sehingga bisnis mereka hanya berputar-putar tanpa pernah sampai pada tujuannya.

Reference
JUANDA ROVELIM
Associate A Partner


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Friday 14 August 2009

5 Tips To Survive a Financial Crisis

There's no doubt about it. We are living in very uncertain times with the world's financial credit crisis.

But what about your personal finances?

If times get really tough can you survive a financial crisis?

Now's a good time to do a reality check and start preparing.

Here's how.

1. Budget. Talk to any financial adviser and they all agree on one strategy- we need to have a budget.
A budget shows you where all of your hard earned money is going and balances our expenditure. It's an excellent tool to control the spending, pay off debts and save money.

There are many websites that provide free Budget Planner to calculate your total income and expenses or just draw one up yourself.

2. Reduce Debt. Write down all your debts and start paying them off as quickly as you can. If you become unemployed you won't need the extra stress of having debt. Paying off your debt may mean tightening the belt by cutting down on spending but it will be worth it.

Pay credit cards off in full each month. If you are unable to do that, try not to spend anymore on the card and pay more than the 'minimum payment' each month. This will cut the time it takes to pay off the credit card and save a fortune on interest.

3. Reduce Your Mortgage. Making additional repayments will slash interest costs and reduce the term of your loan. Find out if your loan allows you to make additional repayments without penalty. If not, it may be worth finding a better home loan so that you can keep your money in your pocket not the banks.

4. Reduce Your Bills. Re-access all accounts such as your bank accounts and credit cards and cancel any you're not using so you're not paying unnecessary fees. Search for cheaper energy, insurance and deals on phone plans.

Set a limit on how much you will spend on groceries and shop with a list.

Limit takeaways such as buying coffee every day, lunch and dinner. Take coffee to work and apply this to lunches too - you'll save thousands more.

5. Set Up An Emergency Fund. It's important to start an emergency fund if you haven't already. Begin doing this as soon as you have paid off all your debts.

An emergency fund is like a parachute - ensuring your financial survival.

Firstly experts recommend having a $1,000 emergency fund then increasing it to 3-6 months of expenses.

Start saving by opening up a high interest bearing saving account, then set up an automatic transfer so that each payday some money is saved - before you spend it.

Follow these tips and you will be better prepared when times get tougher.
Reference : web searchwarp.com

Tahan banting dlm finansial

Liputan6.com , Jakarta: Pernahkah Anda berpikir mengapa seseorang dapat menghadapi suatu masalah sedangkan yang lain tidak? Jika ini terkait dengan masalah finansial, pertanyaannya bisa menjadi, mengapa seseorang dapat bertahan dari badai krisis sedangkan yang lain tidak? Dan bila harus memilih untuk bertahan dengan kondisi keuangan saat ini, bagaimana strateginya? Berikut langkah-langkah yang dapat diterapkan:

1. Jangan pernah menunda. Tidak ada orang yang menginginkan suatu yang buruk menimpanya. Untuk itulah jangan pernah menunda membuat dana darurat. Karena Anda tak pernah tahu kapan bencana itu datang. Semakin Anda menundanya, semakin rentan. Sebaliknya jika Anda telah memulai sebuah persiapan, maka Anda akan merasa lebih tenang.

2. Peluklah sang monster. Tidak peduli dengan keuangan Anda menjadi mimpi buruk. Saat Anda membiarkan tagihan-tagihan tergeletak tanpa disentuh, ia akan menghadirkan masalah. Hadapilah masalah keuangan Anda. Bukalah tagihan telepon, lihatlah berapa biaya sewa yang harus Anda bayar untuk rumah kontrakan. Jika ada masalah, jangan ragu-ragu menerangkan pada sang pemilik bahwa Anda tengah menghadapi masalah. Dengan penjelasan yang baik sang pemilik tentu akan mengerti.

3. Ambil kendali. Hindari berpikir buruk, jangan berpikir Anda akan kehilangan pekerjaan dan rumah karena itu akan menjadi kenyataan. Ketimbang bertindak berdasarkan asumsi buruk, lebih baik membawa diri pada kenyataan sekarang. Segala yang Anda pikirkan di masa depan belumlah terjadi. Coba bandingkan bukankah lebih baik memikirkan mencari pemasukan tambahan atau mencari pekerjaan lain ketimbang memikirkan Anda akan kehilangan pekerjaan esok?

4. Belajarlah fleksibel. Benar bahwa krisis telah membawa kita pada kesulitan dan hidup bisa saja tidak seperti yang Anda rencanakan. Tidak masalah bersedih sebentar. Tapi, yakinkan diri, saat sesuatu tidak berjalan seperti yang dikehendaki, keajaiban sedang menunggu di depan Anda.(ANS/Oprah)

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10 HAL YANG BUAT TUKUL ARWANA SUKSES

Tukul Arwana - Siapa sih yang ga kenal dia? yaps, sosok pelawak yang
karirnya melambung tinggi ibarat "Superman" lewat acara Talk Show EMPAT
MATA/BUKAN EMPAT MATA ini sepintas memang terlihat biasa-biasa saja.. Namun
jangan salah dulu, sesuai dengan guyonan dia "Casingnya boleh kurang bagus,
tapi dalamnya bagus donk"., Ya,gue setuju banget dengan dia. Terbukti, dia
sudah berhasil menghasilkan milyar-an rupiah dari lawakan-lawakan dia yang
segar tersebut. Ada beberapa sikap positif yang bisa kita tiru dari pribadi
seorang Tukul Arwana ini.

1. Menghargai Orang Lain
Seseorang yang sudah sukses cenderung berperilaku sombong, kurang menghargai
orang lain, dan maunya dihormati. Tukul tidaklah demikian. Ia memiliki
prinsip positive thinking, tidak pernah merendahkan orang lain atau pun
mengecilkan orang lain. Sebaliknya ia lebih suka membesarkan (hati) orang
lain dan menghormati orang lain. Menurut Tukul, kesombongan itu akan menjadi
bumerang bagi diri sendiri dan akan merugikan diri sendiri.

2. Bekerja Keras
Rahasia sukses Tukul yang lain adalah ia mau bekerja keras dalam menjalankan
setiap pekerjaannya. Ia juga sangat menjunjung tinggi kejujuran. Seperti
diungkapkan oleh Alex, Tukul adalah salah seorang perantau yang rajin dan
sangat menjunjung tinggi kerja keras dan kejujuran. Terbukti, selama tiga
tahun menjadi sopir pribadinya, Alex tidak sedikit pun pernah dikecewakan. ,
Tukul juga sangat disiplin dan menghargai waktu. Ia selalu berusaha tepat
waktu dalam menjalankan setiap pekerjaannya. Hal ini telah diakui oleh para
mitra kerjanya. Tujuannya tidak lain agar mitra kerja Tukul selalu puas dan
mau menggunakan jasanya lagi.

3. Belajar Dan Terus Belajar
Tukul merasa bahwa dirinya bukanlah berasal dari kalangan serba cukup dan
bukan dari keluarga yang mempunyai banyak fasilitas maka ia merasa harus
terus belajar. Semangat belajar Tukul sangat tinggi. Hal ini bisa dilihat
tatkala ia bekerja sebagai sopir pribadi Alex Sukamto. Mantan majikannya ini
sempat heran dengan kemauan belajar Tukul yang sangat tinggi.

Seperti pernah diceritakan Alex bahwa setiap gajian, Tukul selalu menyisakan
uang untuk beli buku. Alex tidak menyangka bahwa seorang sopir seperti Tukul
ternyata mempunyai hobi membaca buku. Lebih mengherankan lagi, buku-buku
yang dibacanya adalah tentang psikologi, politik dan lain-lain., Tukul
mengakui bahwa dirinya memang tidak pintar. Ia biasa-biasa saja, tetapi ia
senang membaca bacaan apa saja. Ia juga senang mengobrol bertukar pikiran.
Dari kegiatan membaca atau mengobrol inilah ia bisa mendapatkan ilmu dan
kemudian dijadikannya bekal untuk masa depan., Di tengah kesibukannya yang
cukup padat, ia selalu berusaha menyempatkan diri untuk membaca. Ia sadar
bahwa bacaan akan membuatnya tidak terbelakang. Ilmu yang semakin bertambah
diyakini akan semakin menambah kemampuan dirinya sehingga ia mampu menjadi
seorang penghibur sejati.

4. Hidup Itu Harus Ber-proses
Mas Tukul yakin betul bahwa hidup itu merupakan sebuah proses. Tidak ada
ceritanya hidup langsung sukses, langsung kaya, atau langsung ngetop tanpa
melalui sebuah proses. Mas Tukul sangat memegang prinsip bahwa yang
terpenting dalam hidup adalah proses. Dan ia telah membuktikannya dengan
menjalani sebuah proses yang cukup panjang, berliku dan tidak sedikit ia
harus menghadapi tantangan yang begitu berat., Berjuang dengan butiran
kristal keringat tentu berbeda dengan mereka yang meraih kesuksesan dengan
cara instan. Mas Tukul sudah sangat kenyang diremehkan, dicaci dan dicibir.
Namun, semuanya ia lalui, ia jalani tanpa menyimpan dendam. Ia jalan dari
kampung ke kampung, dari panggung ke panggung yang lain dengan penuh
keyakinan suatu saat bisa meraih kesuksesan. Ternyata, sukses itu akhirnya
datang juga.

5. Tidak Memilih-milih Pekerjaan
Tawaran pentas tidak pernah dipilih-pilih. Di mana pun dan kapan pun tawaran
itu ada maka akan dijalaninya dengan penuh rasa tanggung jawab dan sikap
profesional. Barangkali dari sikap inilah banyak tawaran justru mengalir dan
membawa rezeki., Sementara di kalangan artis, tindakan selektif dalam
memilih tawaran job sudah biasa. Bila dipertimbangkan untung ruginya tidak
seimbang maka tawaran tersebut akan ditolak. Hal ini tidak pernah dialami
Tukul.

6. Ikhlas Dan Serius Mengerjakan Segala Hal
Tukul tidak pernah merasa gengsi atau rendah diri mengerjakan pekerjaan apa
pun. Mulai menjadi sopir omprengan, sopir pribadi, kerja di tukang pembuatan
pompa, menjadi model figuran, menjadi pembawa acara dan lain-lain. Semuanya
dikerjakan dengan tingkat keseriusan tinggi., Teguh, salah seorang yang
biasa mengatur jadwal kegiatan Tukul, pernah mengatakan, "Bisa dibilang Mas
Tukul paling semangat kalau dengar ada kerjaan. Apa saja pasti dia kerjakan.

7. Sukses adalah "Kristalisasi Keringat"
Sering melihat penampilan tukul di TV..? kalau begitu anda pasti sering
mendengar kalimat ini bukan? dan dia membuktikannya. . salut...

8. Percaya Diri
Tidak perlu di ragukan lagi tingkat kepercayaan diri dari sosok Tukul ini.
Percaya diri disertai ambisi dan target membuat Tukul bisa mendapat tempat
tersendiri di kalangan selebritas indonesia.

9. Menerima Kekurangan Dan Memaksimalkan Kelebihan
Ini yang saya suka dari mas tukul ini.. dia tidak melihat kekurangannya
sebagai batu sandungan, namun dia melihatnya sebagai pendongkrak untuk
memaksimalkan kelebihan.

10. Kegagalan Adalah Sukses Yang Tertunda
Tukul sudah mengalami beberapa kali kegagalan dalam hidupnya. Namun hal itu
tidak membuat nya jera ataupun putus asa. Semangat dan kreatifitasnya memang
boleh diacungi dua jempol.. sukses selalu..
reference
IBSC TV Presenter

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Tuesday 4 August 2009

Henry Ford Continuous Improvement

Tuesday, February 13th, 2007

Henry Ford embarrassed himself later in life and left his company with a dark legacy surrounding his public and published anti-Semitism. He’s certainly no role model, but his genius for manufacturing is legendary, and he is easy, even fun, to read when he focuses on business. He had a gift for envisioning simple solutions to unsolved engineering and business issues.

As an example, here are excerpts from Ford’s My Life and Work (available from Amazon and B&N) that I categorized by current topics that challenge us still today:

Continuous improvement

Hardly a week passes without some improvement being made somewhere in machine or process…The factory keeps no record of experiments. The foremen and the superintendents remember what has been done.

Not a single operation is ever considered as being done in the best or cheapest way.

Try new processes

The saving on one style of bolt alone amounted to half a million dollars a year.

Engaging Everyone in Continuous Improvement

We get some of our best results from letting fools rush in where angels fear to tread.

None of our men are “experts.” The moment one gets into the “expert” state of mind a great number of things become impossible.

Target costing

We have never considered any costs as fixed. Our policy is to reduce the price, extend the operations, and improve the article. You will notice that the reduction of price comes first.

reference: web leanexecutive.com

Cara Aneh Henry Ford

Suatu hari Henry Ford tengah makan malam dengan beberapa orang. Ternyata orang orang yang diundang makan malam tersebut adalah kandidat kandidat manager untuk perusahaannya. Selidik punya selidik dengan cara melihat cara makan para kandidat, ia dapat menyimpulkan siapa yang layak jadi Manager di Perusahaannya. Tapi Bagaimana caranya?.

Caranya cukup sederhana, yaitu dengan cara melihat cara mereka menambahkan garam ke makanan yang mereka makan. Mereka yang langsung menambahkan garam ke makanan sebelum mereka makan, GAGAL jadi manager. Mereka yang mencicipi makanannya dulu kemudian baru menambahkan garam, LOLOS jadi manager. Lho ko nggak logis gitu..?. Sebentar sebagian dari kita mungkin bereaksi seperti itu, tapi kita akan mengungkap sedikit mengenai cara Aneh Henry Ford dalam memilih manager untuk perusahaannya.

1. Mereka yang menambahkan garam sebelum makan cenderung banyak berteori, belum apa apa ko sudah nebak/ berteori kalo makanannya kurang garam.
2. Mereka yang makan sedikit makanannya lalu baru menambahkan garam cenderung banyak beraksi/ praktek dahulu lalu memperbaiki aksi mereka.

Anda boleh setuju atau tidak dengan cara Henry Ford, yang pasti kita dapat mengambil secuil tips marketing dari hal tersebut, yaitu "Marketing adalah Eksperimen". Artinya apapun teknik Marketing yang Anda pelajari, jangan banyak ditimbang timbang, tapi LANGSUNG PRAKTEKKAN !!!. Urusan berhasil atau tidak itu belakangan. Kalaupun gagal pada langkah pertama berarti itu adalah langkah pertama dari sekian langkah menuju sukses, betul toh...:). Yang pasti terus perbaiki setiap langkah menuju kesuksesan teknik marketing Anda.

Selamat Bereksperimen....

reference :newmarketingstrategy.blogspot.com

Ijazah Untuk Jaminan Kredit

*Wapres Usul Ijazah Untuk Jaminan Kredit*
JAKARTA -- Mahasiswa atau pun pemuda yang ingin terjun ke dunia usaha kerap kesulitan mendapatkan kredit untuk berusaha. Wakil Presiden Jusuf Kalla mengusulkan agar ijazah bisa digunakan mahasiswa sebagai jaminan untuk mendapatkan kredit perbankan.
Usulan Wapres itu dilontarkan saat menerima jajaran pengurus Himpunan Pengusaha Muda Indonesia (HIPMI) di kantornya di Jakarta. ''Saran Wapres, cobalah HIPMI untuk memperjuangkan bagaimana jaminan untuk kredit mahasiswa, jaminannya bisa ijazah,'' ungkap Ketua Umum HIPMI, Erwin Aksa, usai diterima Wapres di Jakarta, Jumat (31/7).
HIPMI sangat tertarik dengan usulan Wapres itu. Erwin berjanji akan mengkaji usulan itu dan memasukkan kembali konsepnya kepada pemerintah. Kredit dengan jaminan ijazah ini bisa diberikan untuk pengusaha-pengusaha pemula. ''Beliau sangat mendukung pengusaha pemula,'' katanya.
Menurut Erwin, usulan ini bisa diselaraskan dengan program Kredit Usaha Rakyat (KUR) yang sudah dijalankan pemerintah. Dengan agunan ijazah,mahasiswa yang baru lulus bisa mendapatkan pinjaman sekitar lima sampai 10 juta. Caranya, KUR dimodifikasi dengan syarat yang lebih mudah. ''Kalau bisa dipermudah dengan jaminan ijazah, bisa menambah volume calon pengusaha,'' imbuhnya.
Bagi masyarakat Indonesia, jelas Erwin, ijazah sangat berarti. Dia yakin mahasiswa tak akan mengemplang kredit ini karena risikonya cukup besar. Bila Ijazah disita oleh bank maka mahasiswa yang bersangkutan bisa kesulitan untuk mencari kerja di tempat lain lantaran tak mempunyai ijazah lagi. ''Ijazah sangat berarti bagi mahasiswa,'' tegasnya.
Erwin menyebutkan KUR yang telah disalurkan sekitar Rp 20 triliun. Dengan alokasi kredit sebesar itu, dia memperkirakan pengusaha yang bisa terserap sekitar tiga juta orang. Menurutnya, banyak usaha yang bisa dilakukan mahasiswa seperti usaha motor ojek, taksi, warung, warnet, atau menjual voucher telepon seluler.
''Kendalanya biasanya pengusaha pemula ingin bisnis yang langsung besar,miliaran dan tak mau kotor-kotor. Maunya berusaha di ruang ber-AC. Ini tugas HIPMI untuk membuka wawasan mereka,'' jelasnya. *djo/ahi*
reference TDA

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