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Sunday, September 6, 2009

Culture of learning acquired through the learning process

Cultural learning is not something that is genetically inherited is hereditary, but is produced through a process of learning by individuals social groups in its’ environment. Learning culture is a product of human creations that are formed through a unique cultural environment.

The decisive factor in studying the culture of learning is through communication with the symbols of language. Anyhow the simple of the community of a culture, individual or social group of his supporters were still able to communicate with the language of creation. The more developed a learning culture, the language of communication structure showing complexity. In a learning culture, the role of a tool of language whose presence is needed in culture event.

Wednesday, September 2, 2009

Meet Bank Credit

Some of you may have read Donald Duck Comics very famous. Narrated Donald Duck has a very rich uncle named Uncle Scrooge. Uncle Scrooge is a wonderful duck wealthy that he could build a very large warehouse which can be used to store all the piles of money, both paper money and coins.

So much money he has, piles of money often seems piled so Uncle Scrooge is portrayed as a greedy person - often soaking in a pile of money.
Writing this course will not discuss about Uncle Scrooge and his money pile. But when we talk about the bank, can be said that much money may also be owned by the bank where you save money. Even so you do not have to worry about all the money in the bank piled in a warehouse like Uncle Scrooge's.

Most of the money in the bank is the customer money. If the bank keeps all the money that customers in one place, meaning the money is not productive. In fact, banks should also look for revenue in order to pay interest on savings and deposit that you saved them, right? That is why, the bank then "threw" the majority of the money back to the community in the form of loans (credit).

For example, if you save money USD 10 million in deposits, the bank promised to provide an interest rate of, for example, 13 percent per year. By banks, in fact the money USD 10 million will be "thrown" back into society by way of loan it to those in need (like people who want to start a business or want to purchase any item by credit). Borrowing requirement of return is accompanied by a greater rate than 13%, say 18 percent.

So roughly - the bank will earn Rp 1.8 million (18 per cent rate of USD 10 million), and of that number, amounting to Rp 1.3 million would be used to pay interest on your deposit, the amount of 13 percent. The difference of USD 500 thousand will be the bank profits. Of course, that advantage was to be reduced again with the operational costs of banks such as employee salaries and so forth.

Can you imagine how much money could be lent by the bank when there are thousands of people who save money in the bank? In fact, the bank certainly does not throw 100 percent of the money to its customers in the form of credit. This for every day another community member who took the money in bank deposits. Well, if 100 percent of the customer's money thrown in the form of credit, so if there are customers who want to withdraw money going difficulties. That is why, the bank must have a supply of cash to be always available money for customers who want to attract deposits money in the bank.

Inventories of cash by banks that will spread to all branches and also into ATM machines. Of course numbers are limited. That's why the money at an ATM withdrawals are often limited in number. There is a limit banks in ATM cash withdrawals amounting to Rp 7.5 million in one day, there is also the only Rp 5 million in one day. If you want to withdraw money in amounts larger than that, you have to come directly to the checkout counter at the bank.

Withdrawal of money at the checkout counter at a bank is usually not limited in number (as long as your balance is sufficient). It's just that, because cash-owned banks are usually "limited", then you usually have to tell you (usually the day before) if you want to attract huge amounts. This would allow banks to provide cash first.

Broad range of products CREDIT
So readers, but can keep the money in the bank, you can also BORROWING money in the bank. Because of that, it never hurts when you first meet with the loan products (credit) in the bank. Who knows one day you do need to borrow money from banks that this paper might be increasing your knowledge about it.

Borrow motifs in different communities. There are people who borrow for capital to open businesses. There are also people who borrowed to renovate the house, buy a new car, buy a computer and so forth. The difference is that the motives and make the bank and create a variety of loan products. Each product is made to meet different objectives. Basically, there are three kinds of credit products. Namely:
1. Business Credit
2. Consumption Credit
3. Multipurpose Loan
Business Credit is the credit used to finance the business or the business cycle which can lead to something productive, such as trade, domestic industry, business consulting services, and lainlain. If you have a business that prospects look pretty bright, you can come to the bank and apply for a loan can get money for your business.

Meanwhile, consumption credit is a loan used to buy something consumptive nature, such as buying a house or a private vehicle. Two credit consumption demand is usually enough House Ownership Credit (KPR) and the Vehicle Credit. Of course, because that money will be used by customers for consumptive purposes, the risk for the bank that customers can not pay their loans will be larger so that the general interest rate charged to customers for consumption credit would be greater than the mortgage interest for business purposes.

Besides the two types of this credit, there are Multipurpose Loan. As written in his name, Multipurpose Loan is a loan that can be used for any purpose can be used for consumption or for business. Well, one multi purpose credit products that are often marketed Loans. Collateral is another name of security. Lo, do not borrow money from banks usually have to wear a guarantee?

Yes. In general, if you want to get credit, you have to pledge one of your own property to the bank so if you are not able to repay the loan, the bank will confiscate your property is guaranteed. Surely the value of goods that security must be greater or at least be equal to the value of money you borrow. But on Loans products, you do not have to submit a guarantee to banks Goods. You are only required to have a certain amount of income each month and give some evidence to show that you are really earning the required amount.

Of course, the banks concerned, the risk of default of borrowers will be even greater because the bank has no guarantee of your goods and the bank will also not be used to monitor what their money is lent to you (on the numbers we will discuss the future special about one of the loans without collateral now being heavily marketed in the community).

How? Interested to try to borrow money from the bank? For consumption or for business, perhaps? Hoaaa, not yet. To be able to borrow money, of course, there are some requirements you must meet. In the next number we will discuss what conditions are required by the bank if you want to borrow money from them.

Business Network Marketing (Part 2)

On the last numbers we have seen that you do not have to do their own sale of your merchandise. Because, you can open a marketing network where there are people who do exactly as you do. Good again, if your marketing network big enough, you do not need to sell a lot. You just sell a little, but if each person in your network are also selling slightly, the total turnover in your marketing network has become very large. Here, in addition to retail profits, you also will earn a percentage distribution of sales turnover in your network. Interesting, huh?
In fact, if your marketing networks already meet certain earnings requirements, you may not need to keep running this business, because your marketing network that would later your revenue. So, you only worked briefly for a few years in building the network, and when the network was "so", the network that will be an asset and gives you a regular income (maybe even bigger) from year to year, forever, regardless of whether you are still active or not even alive or not.

In fact, your income can leave to your grandchildren one day. So here, your focus is to create a network, not just selling goods.

LEISURE TIME ON

In practice, to be able to run a network marketing business, you must be registered at a provider of goods and services as I have described above. Companies that will provide goods and services to you, for then you are selling to buyers and customers.
To join, you must be sponsored by someone who had already been joined in the business. He who will introduce you to the goods and services sold by the company, and also introduced to your business.

In turn, when you begin to build a network by sharing this business to your colleagues and sponsor them, then the whole line will be sponsorization recorded by the company. This is because when you and your colleagues to register, on the application form there are fields of the sponsor's name, where all this will be recorded by the company and entered into the data on his computer.

In this business, capital is generally not needed much. Ranging from several tens to hundreds of thousands of dollars alone. This course is different from conventional businesses who require a minimum capital of several million dollars. That was not necessarily successful. Because of the small capital needed in this business, automated almost no risk.

How about the place? In this business, you can run wherever you are, because to run this business you can simply only with paper and pen so you can do it practically anywhere. Plus, you do not need to leave your job or your business right now, because this business can you set the time according to the time you have.

The most interesting, business is good marketing network usually also gives you a way that has proved successful run earlier. So that anyone of you do not need to have the first specialized expertise in running this business, because your sponsor will act as consultants to teach these ways to you.

INCOME CAN ENLARGE

What about the acquisition of income? In business marketing network, someone can get the income potential there is no limit. This is because the network marketing business is a duplication business. So if your network meets certain qualifications, your income will decline instead, but continued to increase because of duplication in your network also increases.
For information only, income which can be obtained from this business is from tens of thousands to hundreds of millions of rupiah. Even up to billions of rupiah. In the United States alone, approximately 20 percent of millionaires in there making money from marketing network business.

Why someone can get such a huge income from this business? Because the income was generated from the sale of goods and services increased rapidly in number, while the cost of operating your business a low course. Providers of goods and services you do not need to spend money to rent the building, employees, advertising and where the stocks.
Thus, providers of goods and services you can provide money that should be used for the costs mentioned above, as your income.

NO NEED

SPECIAL SKILLS

Did you ever interested in one thing, and tell it to everyone in your neighborhood? When you watch a good movie, for example, and because you love it, you tell the movie to your colleagues so that they eventually also curious and wanted to see it.

Or you never ate at a delicious restaurant food? Because the food is very good there, so when you go home tell this to your family and then took them there to enjoy the food. I never did, and I think all those people never do. At least they never promote something that they praise or love. Can kind of food, some may brand perfume, brand shoes, electronic goods, up to a laundry service to the courses and schools.

Come to think of, the owner of the cinema watching a movie where you might not share his commission to you. Or the owners of the restaurant where you neither came with your peers, nor will distribute free food to you. But still you would not get paid. Here, you actually have to sell the activities of marketing a product or service.

This shows that each person actually has the ability to sell. Only, they often do not realize it. Now, rather than your ability does not produce anything, why do not you use it to produce something for you?

Network Marketing Business (Part 1)

Do you interested in having a small capital business? It's small capital, the risk is also small. You can do this business no matter where you are, whenever you want, and the best part - there are consultants who will provide advice you need so you can succeed in business.
If all this you always have the desire to have your own business, maybe that's business as you need. Maybe you gasped. Was that kind of business? There dong. In fact, many people who have flocked to this business, that when the first side is generally done before the end - is a full-time.
Interested? Find out more.

DESCRIPTION OF THE SIMPLE

I will try to describe this business in a simple way. First of all, I want you to close your eyes and try to remember: ever in a time in your life, you sell something to your friend? You have a friend and tell you to sell your watch on him.
Well, maybe not have to watch. You may never sell a shirt, a pair, or pair of shoes. Remember, you do not have a building for displaying your goods, but there is only you, the goods you sell, and your buyers.
Ever? I think almost 90 percent of you have ever done. Okay, now what you get from these sales? Obviously you will benefit retail, where you bought the goods from a place somewhere with a certain price, and you sell more stuff to your friend with a higher price.
For example, you buy goods at a price of Rp 10,000, and sell more goods with the price of Rp 13.000. The difference between the selling price and buying price is your retail profit.
Now that's a good one. Now imagine if you do not just have one item for sale, but dozens, dozens, hundreds, even thousands of goods. Proverbial, you are like department stores, where what people need, you have it. Clearly, this means you will have not only benefit from a single retail goods, but of the many items you sell.

THERE MUST BE BUILDING?

If you want sales, we must have some sort of store, dong. So maybe you are thinking. It was not always so. Why, then how does one know that you are selling these goods? The answer is the introduction. If you are known by your friends from school one that you often sell the watch, so every time your friends will be looking at his watch, they'll come to you. That's because you've known as a watch salesman. So here, you do not need to have a building to display your stuff right? You need to known as the seller of the product.
However, let's say you have a building to display the goods you are selling, your sales will probably increase. However, as many commercial goods, fixed-blocked what the hell? Plus, the building may make you have to have a special time to keep your store.
Keep in mind also, you may need to buy stock in sufficient quantities so much for the goods are abundant. This means, you must exit substantial capital. So here, you are going to get the retail profits. But that advantage will you get if you sell. Well if you're sick how? Retail profit you may be stopped.

BUILDING NETWORK MARKETING

So, instead you rely on your own (which could be any time you get sick and are forced to stop selling), why not build a network of people who do exactly what you do?
So here, what you do is to open a network marketing (network marketing). Within these networks there are dozens, dozens, maybe even hundreds of thousands of people who make sales just as you do. Each of them will get the retail profits exactly what you get. So if you stop and cannot sell, either because of illness or because of whatever, your marketing network will continue to sell with or without you.
If seen, this business-like similar to a franchise business. Es Teler 77 for example. Es Teler 77 is the name of a food and drink stalls are well known businessman's called Sukyatno Nugroho Indonesia. I've never seen financial records, but a clear Es Teler 77 visited a lot of visitors, whether for just a drink of ice, ate meatballs, chicken noodles, dumplings or whatever it was.
Well, if Es Teler 77 has only one place (hereinafter we call the outlet), then if the outlets were busy, may be greater benefits obtained by the owner. But in the long-term consequences of these outlets should be kept open to continue to get visitors. Imagine what would happen if anything happens and these outlets cannot be forced to open?
Here, the owner of the Es Teler 77 to open branches. He can open the 1, 2, 10, even 100 branches. The problem, it is often open branch costs. More and more branches are opened, the greater the cost will be required. Es Teler 77 owner could have offered the rights to open 77 Es Teler it to others who have capital. For example, if you have a certain minimum amount of money, you can come to the office Es Teler 77, and bought the rights to open a branch Es Teler 77.

If you pass the test, then you will have the support of the division of secret recipe, the concept of service, the recommended interior design, and so on and so forth that have been proven successful in attracting visitors. So if you come to the Es Teler 77 outlets anywhere, the service was standard. Starting from her maid's uniform, to taste the food.
So what is gained by the original owner of the 77 Es Teler outlets you open? The answer is: you have to divide your sales results each year to the original owner Es Teler 77. This is called a royalty. More and more people are interested in having outlets Es Teler 77, the greater the royalties that go to the original owner.

And usually, the number of outlets can be opened more with the franchise system than if the owner of Es Teler it opened 77 branches at their own expense. This also happened to McDonald, where the average is now a branch of McDonald's is open every day all over the world, so from year to year, the royalties that go to McDonald's instead of the original owner, but even smaller bigger.

Tip Success In Business Online

Hail the Anti Poverty ... The Millionaire Candidates After doing internet business trip for 5 years, it was always stunned hearts with the spirit of the internet business newbies who never stopped trying to keep changing his luck in cyberspace. But unfortunately many of them finally said that internet business is a fraud masquerading as information technology systems and make them wary of doing business online, even in the website I manage many of those who feel disappointed. Actually wanted to convey the heart of all the knowledge I have yet found the level of education, perception, other resources that they have different and not able to translate any of what I described. I finally started to understand, after getting feedback, sharing, and other forms of communication with all its members in particular and the general internet business newbies ... it became obvious, that everyone needs something very SIMPEL, PRACTICAL, cheap, easy, and FAST in the running a business and a profit of course. Ways that may be better for business online It seems lately, tips for online promotion has changed and began to more refined than previous methods by those who actively joined in EliteTeamIndonesia mimic a common procedure used by spammers before the 2000s as it was written by Anne Ahira in his article "How NOT to Design an Email Campaign". Unfortunately though was more elegant than ever before, it still was not quite right still, and often still use the public forum not completely related to what eventually posted violate established ethics in each forum. I have thought about ways that may be better and elegant than using the methods currently done, create a campaign slowly, with smooth, by raising the reader's own desires without having invited or asked to talk about the examples, testimonials success of others often in the end the reader will be more likely to consider it a fake story, or hoaxes. 1. Product Categorization If the product is offered in the form of articles online psychological motivation or other products that are distributed online, before the start marketed certainly be better if these products are classified, or dissegmented according to target audience is reached first. This is due to the internet community is also classified users and very heterogeneous, there are old, young, there was a profession as a journalist, network administrators, programmers, information technology analysts, and others. Enrich existing product libraries and select the articles that match the target of the audience thus subject himself would feel that the article is useful for him. 2. Method spreaded-by-my-friends Do not use the public media such as newsgroups or mailing list, otherwise just use the method "spreaded-by-my-friends", I am not saying this is not spam, but in general things like this could be more acceptable to your target audience. I own until now still often receive emails from my colleagues who are actually forward mail from other colleagues. Indeed this method is not as fast as the ways that this be done, but more effective and have been through the automatic filtering of our colleagues themselves, at least they will not forward email that they are not useful to others, thus the probability of correspondence between matter the audience targets also can be larger. The potential of this method is as big to be dug, a friend is "The enemy of my enemy is my friend", the friend is "The friend of my friend is my friend". Net of these friendships can be very large, and powerful, myspace is one of the web model, I was surprised to find my friend's actually a lot after I put some of them in friendster. 3. Informal Relationship It is a very good thing if the actors are struggling in this online business provides an opportunity to get to know the audience for a closer, personal, and informal. This can be done in a way have their own blog that can be done in a way that is easy, inexpensive, even free. Through this medium, you are free to tell the audience informally and can provide feedback or comment on your own, you eventually will be easier to do "prospecting" the people who knew you. 4. Promote your Product and Not Just Asking Do not be stingy with the product you have, if you want to succeed as a marketer, then you also have to do promotion. Enrich owned collection and save these articles for free on your target audience. Things like this much more rewarding than spreading the story-testimonials of success testimonials of others who too quickly you will get negative feedback ** **, it is only natural, even if we alone mirror will easily take the story as a lie if we ever knot know what products, such as what, and whether it is useful. If you believe egret brand ketchup was good just to hear the A, Person B, the C while you never know ndak bango sauce taste like anything, suitable used for cooking as it wrote. From what I saw during this, the poor will EliteTeamIndonesia such information, which is owned site only contains testimonials, testimonials, and information about what the product is, what kind of example, missing, otherwise in a way that there are currently more like "force" people to go first to know. Weird thing for a business that he uses the Internet medium, but does not open and not use the web as a medium of public information to the fullest. 5. Avoid Propaganda bombastic Do not be impressed in bombastic grandiose things, contrary let you bombastic things that are positive, a grandiose impression easily get negative feedback. Examples of this grandiose impression it clearly is on EliteTeamIndonesia website. Would not it be better if the sentence had to be "successful trick to take advantage of free time at home effectively and productively with doing business online". Nothing seemed grandiose and false promises. 6. Use the Right Domain Name Many people say one key to success is correctly naming, if the intention is to do business online, then the domain name is very influential on the success of your business. Do not use domain names that seem grandiose, for example just AyoPensiunOnline.com, as well as any article, other people easily will immediately throw into the trash box. Why not just use the formal URL if necessary, the ways this is more like exactly conducted by spammers by using methods such as "http://be-rich-by.online-pokers.com". 7. Do not be rash to Rich Quick Do not be stingy with your time, you really have to use time effectively because time is money, but money will not come to you and you just wasted time if in a hurry to assume prospecting because time is money. Do not do prospecting is flat, but cleverly done, gradually, and friendly. Target your audience is not a computer, but someone behind it, and someone that people who are like you. Generate awareness of your audience to use the value of the product, and not to lure in thousands of dollars, abundant wealth, early retirement or something like that. If the audience understands the usefulness, the new warning would be better if you go to help others also to feel the benefits you feel, if they are interested in explaining add in new value can be obtained on these efforts. So the motive was not money, but helping others, and the money will come naturally to those who have been doing.