BE ENTREPRENEURS "INSANE"

  1.  Successful entrepreneurs are people who are very sane. They are not crazy, there are five characteristics that convinced me that they are not crazy.
A. They are very knowledgeable, as diligent joined the seminar and workshop.
B. They do not easily believe what they say, they are proving to practice all kinds of theories that they already know.
C. They are not afraid to fail not because of "crazy", they understand that there is no success without the process of learning through mistakes.
D. They mastered the science of effective communication.
E. They understand how to manage money, even though many of those who started with no money.


This means that a businessman should be 100% sane!


2. Find a difficult employee
Global Employment Trends for Youth of the International Labour Organization (ILO) says the number of unemployed youths throughout the decade, 1995-2005, an increase of 15% to 85 million people. That said, the increase was driven by the inhabitants of the world's growing population aged 15 years-24 years who did not draw with the expansion of employment.
Unemployed youth in Indonesia also continues to grow. When in 2004 it was 10.25 million, next year reached 10.85 million. Similarly, the number of unemployed graduates, the following year recorded 385 418 inhabitants. Www.bisnis.com sources. What is true, none of the good people to be employees?
In fact, not difficult to find employees. If you know how. You can give 10 reasons why you are working in the company is very exciting.
If a man has been able to find a way to go to the moon, I'm sure there's flagship strategy in recruiting employees, even the ideal employee. The question is, whether you've been looking to do?


  3. Success would have to work hard 
Ever heard the term, IF WANT SUCCESS, RICH MUST WORK HARD ...
If you believe that success happens only with hard work, should have been a lot of rich porters, singers who became millionaires, successful bricklayer.

 Clear objectives
   Hard work is the main capital, but success comes because we have the knowledge / knowledge and experience / experience, not only because of hard work only. There are other things besides hard work is a clear purpose. Vision, goal and direction of the company is a spotlight that will make the hard work was an immediate success.     Hard work without a clear goal is a nightmare. Someday there will be moments of boredom, frustration, after getting what he wanted was not satisfied.Clear direction without the hard work is the dream of the day fantasizing alias.
   Hard work with clear goals, success brings with contentment. The clearer the goal, the mind is calm, satisfied feeling, the spirit of action, the easier the wealth approach you.
    Unless there are people who are not willing to work hard, no purpose, this is what I call "unconscious". There is no consciousness, loss of control of life.   
     Do not be hypnotized by the myths that hinder your productivity. Take care not to employees and your team are also stuck with these myths. Let this be your guide myth, only that you give your brain a chance to learn new things, new creativity, new philosophy, and of course bring you to the new action.Positive thinking without positive action Positively you will get nothing!

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BUSINESS WITHOUT CAPITAL

    Could we start a business without cash? I think it's possible. Why not! If we are able to optimize our thinking, it will be many paths that can be taken in dealing with the issue of capital for us to start a business. Just a matter of capital for us to start a business. Only problem is, where did the money come from? Logically, all businesses that need capitalmoney.
Indeed, most of us always complain the lack of financial capital as a reason why we are "reluctant" entrepreneurship. In fact, the most vital capital sebenarnyabukanlah money, but non-physical capital, in the form of motivation and courage to start a mengebu passionate.
I am sure, if it can be met, then the search for capital money is not an issue that is not possible, although we personally do not have the money. While we already know, that business opportunities have been there in plain sight. Sure, it would be nice if we did not put it off to start a business.
After all we know, that in fact many sources of capital. Such as savings, severance pay, the bank loan and in the cooperative or from financial institutions or from other parties. However, if we did not have the money savings, severance pay or let's say there is no courage to borrow money in the bank or a cooperative, I think we also need not worry. Because there is a way to start a business, although we do not have the cash though.
For example, we can be an intermediary. For example, a broker buying and selling homes, buying and selling motorcycles and others. The advantage that we can be out of commission on the sale or other means we deal with the product owner. I'm sure we could do it.
We can also make an effort by consumers to pay in advance. In this case, we can look for businesses where consumers are targeted in our business is willing to pay or spend the money first before the business process, either services or products, it happens. For example, can be done in a service business, such as educational services industry. In which, students are required to pay first before it occurs before the educational process.
It could also for example, there are people who order the goods to us, but before the goods ordered were so, the consumer has given a down payment first. That is, that we might as well have been given capital by the consumer.
There are still other ways we have to start a business without cash. For example, using a system of revenue sharing. Usually, the way the business model is widely applied in Padang Restaurant. Where we are as a person who has the skill to cook, while our business partners as owners of money capital.
We work and the profits were divided according to agreement. Or we might want another way? Of course there is. For example, we can do it with a barter system with suppliers, and even if we have a particular skill, why not just become a consultant. In addition, it could be denagn way we take first product to be traded, only for the payment can be done after the product is sold to consumers. Sure, there are many other ways for us to start a business without cash.
Therefore, in my opinion, we should not be discouraged or afraid despised, if it turns out we did not have the cash but eager to start a business. I'm sure that we have the cash but eager to start a business. I'm sure that we have a great willingness to be an entrepreneur or entrepreneur, then at least there will always be a way to start a business. In fact, many entrepreneurs who have achieved success even though it started its business first without having the cash.
It shows that is not true when someone says "No way we started the business without having the cash." The key really lies in the motivation and courage to start a business-ngebu mengebu. Except for the immediate success - especially without having the cash - it's not as easy as turning the palm of our hands. Everything is a struggle.

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CASE NAME BEHIND THE LAND WITHOUT PERMISSION

    Perhaps this case can happen to you juga.Karena ignorance and innocence of a person causing the loss of assets owned.
   My father's debt Rp3, 5 million to B with guaranteed land titles. Then B presented the certificates were handed over to C. Apparently, it's in a name certificate by C (with the terms as they should / use as well but the deed without the consent of my father and mother) and used to apply for loan guarantees amounting to Rp90 million to the government bank, entered the court decision but stopped without any (frozen ). The question is: (1) How can we get back a certificate that has been behind the name, while C and my father already died? (2) Bank will release the certificate on behalf of C is to ask for a fee of Rp45 million, will this action right? What action should we take?
Keep in mind first when providing a guarantee for the payment / penulasan debt with land titles should be done by the imposition of mortgage in accordance with the Act 4 of 1996. In this way, in addition to any deed of mortgage of loading, loading (transfer) the right material for land recorded in the soil (soil attached to the certificate), so this avoids the transactions carried out by B and C.

Because your father had already presented a certificate of land (in fact, physical evidence) to C and C have been doing it behind his name and has menjaminkannya to the government bank, it is necessary to observe the following:


a. Given your father's dead, then you have to prove you are the legitimate heirs. Written evidence may include testimony from the heirs of headman / local subdistrict or court order.

b. After obtaining evidence of the beneficiary, you can ask for cancellation under the name of the land certificate to the court. Before that, you need to collect written evidence including copies of certificates of land in the name of your father or otherwise to indicate ownership of the land.You should know how to return the name of the certificate of land to C, because behind every name on the basis of the acquisition of certain rights, including by buying or selling or other transfer of title. Included also to find out (if any) whether the agreement or any agreement between B and C.Regarding the status of your debt to Mr. B could be one option to help efforts to land the cancellation of the certificate on behalf of C. Namely, by way of paying off the debt.

c. If you already know or even have the evidence above, then you should be able to ask for more in-depth consultation with a competent attorney regarding the cancellation of land titles and other related matters that need to be legal if done by you.

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FACTORS THAT is the bottleneck of mortgage

    For those of you who already have the funds for the DP and the cost of mortgages, and are ready to take home loan, the wise tips this time, I try to discuss, what are the things that prevent us to get a good house wife.



1.employin to paying cash.
Is not it funny .. why pay cash instead hamper? Due to be paid in cash, there is no track record of income to your bank account Anda.Bagaimana way out?
If you are a civil servant, just add a copy of the book, if private sector employees, a copy of any SPT Pph 21.

2.Masih owe credit card.
Should still be paid away. Because your credit card is now stuck in any bank, it would go unnoticed because you are names checking.Ini BI also applies even if you just stuck in credit card Rp.6000 stamp money.



3.Punya bad credit.
Your name will be recorded in the BI blacklist and be clean again after three years. Actually to be seen case by case, in this case, the bank does not average out.

4. installments or other loan vehicles.
Do not worry, if there is other income which can be proved with the financial statements and ownership of its business, may also be included to add income. Or joint income with a spouse can too. The explanation is due to the persistence of the installments of the vehicle, then pay the mortgage so you still have to pay down karenba car loan. Our suggestion, because it decreases the value of teryus car, new car take pay off first mortgage home values ​​continue to rise.

5. Has not worked for 2 years as a permanent employee
This means the bank will look at you do not have a fixed income cash flow. If you have previously worked for 2 years at the old company, can include letters of reference.

6.home a targeted, not "marketable"
The point is not that hard to sell more marketable. For example if the house in the alley, under SUTET, next to the grave, or is near the "gray area" (plus-plus massage parlors or localization).

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CHANGE STATUS TO BE SHM - HGB

   I am a private employee, and has a land area of ​​120 m of property to be acquired by a company engaged in the field of special culinary initial premises sells Ayam Bakar grilled chicken MM. We heard the information that companies are legal entities may not buy land with the status of Ownership (SHM). If the information is true, how the alternatives to be able to sell our land to the company?

   It is true that a corporation is not allowed to own land with the status of Property Rights. Thus the alternative to do is change the right of first before doing the transfer of rights (selling). In this case the Head of the Land Office will change the status of Property Rights (HM) a Right to Build (HGB) or Right to Use (HP).
The process of transfer of rights (purchase) is as follows.

A. Apply to the Chief of the Land Office

for certificates issued Broking / Right to Use of the land. Or the Parties make a Sale and Purchase Agreement and give a power of attorney to Mr. companies. Based on the authorization letter, the company can apply the right changes (from the Property into Broking / Right to Use) in the name of the Father, to the Head Office.

2. Furthermore the Land Office will issue a certificate Hak Guna.
Building / Use Rights on behalf of the owner. Broking Certificate / Right to Use is used for transfer of deed (Deed of Sale and Purchase) in the presence of PPAT to turn right and then filed the registration in the local Land Office (No. PMNA. 2 of 1993).

The process of transfer of rights (selling) on ​​top of the steps can be taken. Please note for the process, all costs incurred to change the rights or land for sale-as-usual PPAT honorarium cost is borne entirely by the company / investors to acquire land.

The status of land use right certificates up (HGB) can be used as a certificate of ownership (SHM) by performing the maintenance of the land office in the land of SHGB located. With HGB land certificate shall be owned by citizens of Indonesia (WNI) with an area of ​​less than 600 square meters, still control the land and have HGB that is still valid or has expired.

Terms HGB apply for a certificate to change ownership:
1. The original certificate is HGB status will be changed2. Photocopy of the IMB (building permits) which is used to set the building permit
3. Proof of identity
4. Photocopy of the UN SPPT (property tax) last
5. Letter of request to the Head of the local Land Office
6. Letter of revelation does not own the land more than 5 fields and the area less than 5000 square meters.
7. Pay court fees

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