Managing Salaries to Overcome Your Financial Problems

Managing Salaries to Overcome Your Financial Problems

When caught in debt, the first step that is usually taken is to manage finances so that they can be allocated to pay the remaining outstanding loans. This is usually done when after receiving a monthly salary. Many ask what percentage of salary should be allocated in order to be able to pay debts, but actually there is no definite standard, because the needs and urgency of the debt problems that are owned by a person are not the same. Here we provide a number of steps that you can try to manage your salary to overcome your financial problems.

Make a Plan

Make a Plan

The best way to manage salaries to pay off debts is still in arrears, of course, by writing a written plan. Collect all the bills that you have, and write about which bills / debts you will take care of first. Calculate carefully the income you get, and how much you have to spend to find out which debt must be managed first. The usefulness of re-registering your bills is so that you know how many bills are and are more aware of not spending more money on other posts.

In addition, take advantage of your knowledge of the total amount that is still in arrears to seek additional income in order to more quickly cover the remaining arrears on the card. Set aside additional income and monthly bonuses (if any) to add debt payment allocations.

 

Prioritize Bills with Higher Interest with Minimum Payment (for Credit Cards)

Prioritize Bills with Higher Interest with Minimum Payment (for Credit Cards)

One of the things you can do is to make a minimum payment (although this is not recommended), usually 2-4% of the bill is in arrears. Examples that have been discussed in Debt Solutions are as follows:

You have 3 outstanding credit card bills. Let’s just say your monthly income is IDR 5,000,000 and you allocate funds of IDR 3,000,000 to pay off debt.

Based on the credit card you have here is the minimum payment required by the issuing bank:

  1. Minimum first card payment: IDR 800,000 with an interest rate of 3.25%
  2. Payment of the minimum second card: IDR 700,000, with an interest rate of 3%
  3. Payment of the minimum third card: IDR 500,000 with an interest rate of 2.75%

From the information above, it can be seen that the total payment of your minimum card is IDR 2,000,000. The rest of the money that you still have is Rp. 3,000,000, – you have to use to add credit card payments with the largest interest rates, in this case means the first card. So, the total you pay for the first card is IDR 800,000 + IDR 1,000,000, which is IDR 1,800,000. And so on, until your debt in the long term can be repaid.

 

Close Credit Card (If Debt on Credit Card)

Close Credit Card (If Debt on Credit Card)

Credit card scissors with the highest interest so you don’t return Tutup kartu kredit setelah utang Anda berhasil dinegosiasikan use it and increasingly hoard the total debt in arrears. Contact the issuing bank to help close the card. You can restructure the loan so that the debt you have can get relief, at the end of the credit restructuring program the card will usually be closed by the bank.

 

 

Contact Mediation Services / Negotiators for Help

 

As mentioned above, you can take part in a credit restructuring program from the bank to get relief. This relief can be in the form of one-time deductions, or extended installments with lower interest rates. Read more about the types of programs from banks that can alleviate debt here.

If you are confused about how to get a credit restructuring program, you can ask for help from mediation services or negotiators. One of the trusted negotiation services that can help you get a break in credit card debt / KTA is PT Parson Adams international Indonesia . As the only company in Asia that gets accreditation in helping to resolve debt problems by IAPDA , Parson Adams is committed to providing the best service and helping you get a discount from the bank that suits your financial condition.

To immediately get help from the Parson Adams team, please immediately click on the image below and fill in the data, so that our team can contact you.

 

These are 5 Myths of Debt Management Programs

These are 5 Myths of Debt Management Programs

 

There are many ways to get rid of debt offered on the market, some offer options for bailouts, cash swipes, etc. Of course the most effective solution is to follow a debt management program provided by a debt management company. This method is proven to free customers from debt problems in accordance with the agreement with the bank, and far from the word fraud. The debt management program itself can be obtained through companies that provide related programs.

 

Why is it better to use a debt management program?

 

Why is it better to use a debt management program?

 

There are several reasons that can convince why using a debt management program can be the best solution as a way to be free from debt. First, clients are usually educated to pay off debt, without leaving it without responsibility. Therefore, usually there will be a change or installment system that is changed, which is adjusted so that the customer can still pay off the debt regularly until it is paid off and is responsible for the relief that has been given

Second, the debt management program is usually agreed upon by the bank. So, this program is not an unclear program, which aims to harm the client. Basically the bank is also very supportive if you have good faith to pay off debt, therefore usually experienced negotiators from the debt management program company will convince the bank, in order to get the best program for customers. So, customers can pay off their debts with relief.

Third, debt management programs that are usually handled by experienced consultants. Consultants like this can help you in developing the best strategy in dealing with debt, especially if you have multiple credit card or KTA debt problems at once. Consultants can provide the best advice, about how the funds are allocated and which debt problems must be resolved first. Professional consultants like this can also help you overcome debt problems, so you can focus on finding funds to increase income, so that the remaining arrears can be quickly paid off and can be paid off.

 

There is no need to use a debt management program, because my debt will be clean myself.

 

There is no need to use a debt management program, because my debt will be clean myself.

 

In fact, the debt will never disappear by itself if it is not repaid by the customer concerned. Your name will be automatically recorded in the OJK SLIK system, and will still be recorded if the debt is not repaid. So even for ten years, your name will still be listed on the OJK SLIK blacklist . Therefore, the only way is to pay off the debt, request a full letter from the bank, and make sure that the bank where you are in arrears has updated the data to SLIK OJK so that your name returns clean.

 

Debt management programs are no different from fraud.

 

When looking for solutions to resolve debt, of course there are many things that must be considered, including whether this is in the form of fraud that can further harm you, and even does not solve the problem. Therefore, when choosing a debt management program provider there are many things that must be considered. Companies with debt management programs usually have clear programs, because they are based on the results of negotiations with the bank. Furthermore, the entire payment process is also paid directly to the bank, without going through the debt management company at all. Therefore, it also requires awareness from the customer side to understand the differences in companies that are truly trustworthy, and which ones cannot be trusted.

 

 There’s no way I can get a free discount from a bank. What is the basis?

 

 There

 

Discounts obtained based on the program that was successfully obtained by the company that provides a debt management program through negotiations with the bank. This program is not taken for granted, because it has to go through a negotiation process, besides that the bank also has several separate provisions to determine what kind of customers are eligible for a relief program. So, once again usually the discounts obtained are also already based on bank provisions and negotiations from the debt management program company.

 

 The debt management program only costs me a lot

 

 The debt management program only costs me a lot

 

Not at all, in fact you can save more by following a debt management program. However, there are some provisions that must be fulfilled, for example the DP that must be paid, or the regular payment of installments agreed upon with the bank. If only the customer is lost to default or fails to make payments on time, it is not impossible that the program will be paid and make the customer have to pay as before.

In addition, companies that provide their own debt management programs usually provide service fees. Remember to recalculate. Normally, a good debt management program company does not take service fees based on the size of the debt and ask for costs up front, but is based on the success of the negotiations as well as the large savings saved by the client.

 

The debt management program only plays a debt without paying it off

 

The debt management program only plays a debt without paying it off

 

Not at all, it is precisely with this program that you can be free from debt faster, there is a vision to be targeted and there is a definite time target to help you focus on paying off all debts. Another case if you continue to make payments with a minimum payment . The customer must continually make credit card bills with a minimum payment for years if you want to pay it off. Not to mention, when you want to focus on paying off your credit card bills with   minimum payment , you also cannot use the credit card for attractive promos that should be able to provide benefits. The more cards are used, then it will only burden you to pay off the remaining debt that is still running.

 

So, where can I get a debt management program from a trusted company?

 

So, where can I get a debt management program from a trusted company?

 

As mentioned at the beginning of the article, programs like this can usually be obtained from debt management companies, which have experienced consultants. One of them is Hardy Boys.

 

Hardy Boys international is the first technology-based professional services company in Indonesia, which provides a debt management program. This program is designed so that consumers who are in debt, have the ability to control their finances again. Hardy Boys Indonesia helps clients through debt management programs, specifically designed to suit different needs for each client. This program is a combination of education on various opportunities to increase income and reduce expenditure, as well as conduct negotiation processes on existing bank debt requirements to reach the amount of payment that is in accordance with the ability. Hardy Boys Indonesia headquarters was established in Jakarta in 2015 by a founding team that has collective experience in finance including debt settlement for more than two decades. Hardy Boys made Indonesia the center of operations as well as a blueprint for the company’s development plan to other ASEAN countries. Since July 2016, Hardy Boys Indonesia has become the first company in Asia to be accredited by the International Association of Professional Debt Arbitrators (IAPDA).

Anticipation of Receivables Where to Do and How It Works For Companies } Business Finance

Anticipation of Receivables Where to Do and How It Works For Companies } Business Finance

 

Anticipation of receivables? What is receivables prepayment ? For businesses is one of the best credit operation, the operation works for those who want to receive cash immediately when they have reservations to receive in the future. This transaction is very uncomplicated, we can even say that it is extremely simple to get the necessary credit for the ease of reduced bureaucracy.

In anticipation for receivables companies, you withdraw cash receipt that already belongs to you, however, it has not yet entered your cash for good. But for this, the companies will have to bear the costs and fees that are charged with this anticipation by the credit companies, banks and financial institutions.

On the web, many lending companies in factoring and development are online regularly operating this type of credit for companies, the operation is done quickly and efficiently, in a few hours the anticipation money is already in the account of the client who made the exchange. If your online or offline business or commerce receives duplicate payments, credit card and pre-dated checks, you can, whenever you want, opt to anticipate these values ​​of your sales term.

How Prepayment Works

How Prepayment Works

What banks and factories do this type of transaction, almost all business owners and entrepreneurs, you know. That numerous financial institutions also carry out the anticipation of receivables and even companies that provide credit card machines like (Cielo, Network, GetNet, etc. The novelty is that now you can do this also via ERP system, more practical and simple. For your company to anticipate its duplicates with a fair interest rate, get to know Rapidoo.

Prepay receivables for your business

Prepay receivables for your business

The transaction is financial, and it works like this: the financial institution or creditor anticipates the amount you have to receive in the future, in doing so, a discount is applied related to an interest rate (commission) plus the cost of IOF financial operations). From there, the company is responsible for receiving the future title that you “sold”. That is, when your customer pays the bill, the credit invoice or the date of the discount of the check, who gets the full amount is the lender or the institution that anticipated the money for your company.

Do you need credit analysis to make the anticipation?

Do you need credit analysis to make the anticipation?

Although the operation is very simple, some procedures are applied in each company that enters the system, the institution that will make the anticipation of the receivables usually perform a credit scan with analysis of the companies, then need not say that if there is a sign of default or restriction in the CNPJ, the creditor or the financial institution will possibly give up the business.

Do not forget that in cases where your client does not pay the bills or invoices, who will be responsible for the debt is your company.

When to request the anticipation of receivables

In general, the anticipation of receivables is done as one of the alternatives that companies and entrepreneurs realize when they need money and increase their working capital. The biggest users of this modality are companies that sell products and services with timely payments, that is, they finance their products in the long term, but they have to pay their expenses, costs, inventories, suppliers and employees every month.

It is common for companies to bill the sale of products with terms between 30, 60 and 90 days, however, they have to pay some suppliers within 30 days, in this case, it will be necessary to pay cash, cash or advance money .

As we have already said, and important to research, compares to register and request, rule of the four. Find out the best companies that work with this type of credit and compare which one offers interest rates that really do not hurt your company.

It is worth mentioning that when anticipating your receivables it is possible that one or another customer will default and will not pay the invoice leaving a financial hole that may be of little value but may be a reasonable amount. Read also about the three situations that loans help companies.

 

Where to get the prepayment for receivables

 

Where to get the prepayment for receivables

 

Getting the prepayment of receivables is easy , most of the major banks and credit institutions in the country, in addition to the various companies managing credit and debit card machines, factories are experts in this line of credit and they are invading the internet. Check below the conditions to anticipate receivables in the main banking institutions of the country.

Check out the Pitch, Advance anticipation for receivables and Rapidoo what the conditions each one offers and workmanship. If there are still doubts about which the best credit search the blog you will certainly find relevant information for your decision. Click here or here.

Have You Been Financially Independent?

Have You Been Financially Independent?

The meaning of independence is always identified with the victory of Indonesia free from foreign colonies. However, it turns out that the meaning of independence is not the same from one another, here is the meaning of independence from some of our speakers:

“In my opinion, independence is not just a formality, not just about what someone will do for his country. But independence is something that should be shown in the application that someone does in everyday life, because of every choice he makes, every way of talking , every choice he makes, it can be clearly seen whether he is independent or not. ” – Luccian T. “Independence means free from financial problems, free of installments,” Daniar Z. “Independence is free to be creative, free to do whatever we like,” Yodhi and Sheila H.

Financial Independence

Financial Independence

Apart from the many meanings of independence, actual independence can now be seen in various ways, such as freedom of expression, freedom of expression, freedom of work. One form of independence can be freedom from finance. For some people, the definition of financial independence can be when someone is already at a point where he has lived enough, without having to actively seek income to meet his daily needs. For those who are financially independent, they usually have assets that generate higher income than their expenses.

The meaning of financial independence between one person and another is also different. Some think that this means that they already have assets in a certain nominal value. Even though the lifestyle of one person and the other is not the same, so there is no definite standard whether having money in a nominal amount can be considered financially independent.

Then, does financial independence mean free from debt? What about those who have good debt? Does that mean that you haven’t gotten financial independence? Of course not, those who have good debt usually have funds to repay ongoing loans. The debt can be allocated to run a business, for investment (home ownership loans, etc.), for shopping, etc. Of course people who can still repay debt installments every month can still be considered free.

In contrast to those who have debts that do not run and continue to mount, usually begin to feel stressed and emotionally depressed. They are often haunted by anxiety because of annoying debt. For those who are unable to make regular payments, of course it is far from the term ‘financially free’. (Also read: This is the One Who Must Do When Debt )

 

Apart from Debt Collections

Apart from Debt CollectionsApart from Debt Collections

The way to get rid of this haunting debt colony is of course by paying off the debt. One solution that can be done is by negotiating debt, so that it can get a relief program from the bank. Such relief can be in the form of deductions for total debt, or in the form of installments with an extended tenor, and of course alleviating the customer.

You can use Ayesha’s services to help with the negotiation process, so you can get a relief program. The Ayesha team is ready to help you get financial independence. Please click on the picture at the end of this article to get help from our team immediately.

So, are you ready to achieve financial independence? Independent!

 

Real Estate Financing } Credit Loans

Real Estate Financing } Credit Loans

 

Much has been said about the companies, but does everyone already know what role this developer has in Brazil? TENDA is a renowned Brazilian construction company and developer, currently it can be said to be one of the main dreams makers in the segment of constructions of popular houses. Its projects focus on construction projects in the economic profile, this segment serves the population with lower purchasing power.

Although the companies has existed for 42 years, only in 2008 was it acquired by Gafisa SA, since then it has been the only one to manage its business. Active in more than 100 cities located in twelve distinct Brazilian states, TENDA has 17 properties and a staff of real estate sales specialists, as well as the entire process of housing acquisition. Your service is always personalized and directed to the best purchase.

TENDA has already delivered more than 55,000 units over 42 years of market, with 1/3 being only in 2011 and 10 thousand units only in 2012, which leads us to believe that the construction company is in full expansion and winning the confidence of new customers.

The Merger and Construction Company has a very strong partnership with Caixa Econômica Federal, so if you want to get out of the rental, you want to face the purchase of the house, but do not have any reserve, TENDA’s suggestion will be real estate financing through Caixa.

 

Construction and Finance 

Construction and Finance 

 

With the property financed by Caixa, you acquired your residential property and get rid of the rent once and for all. The entire process done by TENDA focuses on establishing the benefit of the contractor with the best choice. One of the advantages in the real estate loan with TENDA to purchase the property is to be able to choose the number of installments that you want to pay and also the term to finance the debt of up to 20 years. It is worth remembering that some factors directly influence the approval to not credit, the income for example is one.

It is also possible to conquer the house itself through the Minha Casa Minha Vida Program, a housing project developed by Caixa Econômica. The Program assists families with gross income up to R $ 4,900.00. It offers many facilities, discounts and subsidies and also counts on the support of the Federal Government, States, City Halls, Companies, Cooperatives, Associations and Non-profit Entities.

It is well worth any effort to purchase the house itself, not only to enjoy a living space, the house itself is a patrimony for all life and for the whole family and can be done a real estate financing Tenda and Caixa for this. 

Stop Paying Minimum Payment Credit Card Bills

Stop Paying Minimum Payment Credit Card Bills

Some time ago we discussed three types of credit card payments : full payment every month, paying with a minimum payment , and not paying at all / in arrears. This time we will discuss more deeply about payments with a minimum payment, including the definition is a definition, an illustration of payment of a credit card bill with a minimum payment, up to the steps that must be done if you have already paid the bill with a minimum payment.

Definition of Paying a Minimum Payment Credit Card Bill

 Definition of Paying a Minimum Payment Credit Card Bill

 

As the name suggests, the minimum credit card payment is a payment made by the credit card owner by paying only (on average) 10% of the total arrears + bills that are still not paid off in the previous month (if any). This type of payment is a favorite option especially for those who are afraid to enter BI’s blacklist . However, is it true that paying a credit card bill with minimum payment is the right choice? Let’s see more.

Reasons Why Paying a Credit Card Bill with Minimum Payment So Favored?

Paying bills with a minimum payment is often used as an option if the credit card holders. This is not without reason, the option to pay bills with a minimum payment is so popular because of course the card owner does not need to make a full payment, and can still allocate the remaining money to make other bill payments. This condition is taken when the card owner is not able to pay off directly in full, but does not want his name listed on the BI blacklist.

Yes, even if you don’t make a full payment, you don’t need to worry about your good name. The bank will still assume that your payment is smooth because there is no arrears at all. This means, credit card owners will avoid the threat of IDI Historical blacklist, which will make it difficult to apply for loans again in the future.

 

But really, paying bills with a minimum payment is not the best way because it won’t make you free of debt at all. Why so? The following is an illustration of the payment of the minimum credit card payment , which can make you see first hand how the payment has affected the repayment of your credit card debt:

Illustration of Minimum Payment of Credit Card Payment

 Illustration of Minimum Payment of Credit Card Payment

Irwan Ibrahim, Director of Customer Solutions, PT Titus Groan International Indonesia, illustrated the payment of a credit card with a minimum payment to show the effectiveness of paying credit card bills with minimum payments to pay off all bills. In this process the card owner is conditioned not to use his credit card again, and tries to continue paying off until the remaining arrears are used up. The following is an illustration of credit card repayment with minimum payment:

Budi has a credit card debt of Rp. 50,000,000, with an interest of 2.25% and an annual card fee of Rp. 300,000, because he is unable to pay the bills in full every month, so Budi decides to make a payment with a minimum payment of 10 % of the total arrears each month until paid off. In this case, Budi did not use the card at all and only focused on paying off arrears with a minimum payment . How long will it take for Budi to be free of arrears?

 

We can see that the debt can only be repaid with a minimum payment in the 67th month or after 5.5 years. Just imagine if you become Budi, it means you have to survive without using a credit card at all to pay off the remaining bills. Even though in fact, if Budi makes regular payments and can use a credit card to the maximum, Budi can use it for other useful promotions to shop cheaper. Too bad if the credit card is not used at all and is only used to pay the remaining arrears? More complete, you can also check the credit card repayment simulation with minimum payment here or click the picture at the end of this article.

Stop Paying Credit Card Bills with   Minimum Payment

 Stop Paying Credit Card Bills with   Minimum Payment

After seeing from the illustration of the minimum payment bill payment made by Budi above, you can see that actually Budi as the owner of the credit card is just hoarding debt without completing it at all. Budi still cannot avoid the interest that continues to run behind the payment of credit card bills with minimum payment. Therefore, this of course only makes it longer pay off debt. In Budi’s case, with a debt of 50 million, it could only be repaid 5.5 years later.

Cases like this can happen as well as you. Based on what is experienced by Budi, you as a card owner must continually pay credit card bills with a minimum payment for years if you want to pay it off. Not to mention, when you want to focus on paying off your credit card bills with a minimum payment , you also can’t use the credit card for attractive promos that should be able to give it a profit. The more cards are used, then it will only burden you to pay off the remaining debt that is still running.

If indeed you have already paid the minimum payment of a credit card, there are a number of steps you can take to overcome it:

Stop Using a Credit Card and Reduce Expenditures

 Stop Using a Credit Card and Reduce Expenditures

If indeed you start paying credit card bills with a minimum payment, then it’s time to stop using credit cards. This is useful to minimize the high accumulated bills. Just imagine, if you have to pay the bills this month, you already have difficulties, especially if you have to accumulate with new bills. Not to mention the interest charged in late payments, of course, it will make you more difficult to pay off.

Not only have to stop using credit cards, you also have to actively reduce expenses. Try to review the monthly expenses that you often do. Look again at any type of expenditure that must be trimmed, pay attention again what household expenses should be saved so that it can help reduce expenses. Cutting out expenses can be done from the simplest things, for example if you are used to traveling by taxi online, try replacing them with online motorcycle taxi or other public transportation options when traveling. If you are accustomed to shopping on modern markets that are more expensive, it never hurts to start switching to the nearest traditional market that offers much cheaper prices.

Do not miss, when going to cut expenses, try to pay attention to any expenditure that must be done regularly. It is not intended to further increase expenditure, it’s just that this needs to be done so that later it won’t further burden extra expenses in the future. Expenditures that must be paid regularly even though they are cutting expenses such as health insurance and other insurance. When you are sick, the cost of the premium you pay each month can bear good results, so you no longer need to incur additional costs.

Use Available Savings

 Use Available Savings

If you are forced and not closed, try to use other sources of funds to start paying off all credit card bills in a timely manner. One option that you can use is a savings account specifically for savings. Although forced, but in an emergency like this money saved in a savings account can help free you from credit card bills. This is because the credit card interest is quite high compared to the savings interest. Basically, if indeed your credit card debt is high enough and you have not paid in full, it’s good to use savings.

Utilizing Emergency Funds

Another source of funds that can be used to pay credit card bills is an emergency fund that has been deposited in the past few times. If you save enough regularly, of course you must have set aside an emergency fund every month. As reported by Liputan6.com , financial expert Safir Senduk revealed that you should set aside a minimum of 10% of the salary earned every month. On the other hand, if the risk of work gets bigger like working as a freelancer, professional, singer, enlarging the reserve fund of 6-9 months of expenditure, but if you are an entrepreneur, at least prepare funds of 9-12 months of expenditure.

Emergency funds can be collected using savings plans that automatically do auto debit every month from your transaction account. Another way to collect emergency funds as a way to pay off debts quickly is to collect people who still owe you. Usually the amount of accounts you have can greatly help you to raise funds to pay debts.

Ask for Nearest Family or Friend Help

If you are forced to, you also make payments using help from family and closest friends. Of course a big commitment is needed if you choose to do this one option. Loans from family or closest friends are usually not accompanied by interest, and tend to be more mitigating. However, you must return the money in accordance with the agreement made, so that the relationship that has been established remains good without new conflicts arising from the loan.

Look for other ways to get relief in paying off credit card bills

If you use a minimum payment because you are unable to pay it in full, there are other ways you can do it. The method is to take part in a bank relief program. This method is certainly better than continuing to make payments with a minimum payment, which is not much different from delaying the arrears of cards. You can take part in a relief program so you can get a discount in paying credit card bills.

Relief Program to Pay Off Credit Card Bills

 Relief Program to Pay Off Credit Card Bills

As already explained, there are other ways you can use to pay off your credit card bills that continue to swell, namely by following a relief program. It is often found that paying bills with a minimum payment is made due to the inability to pay from the card owner. Some of the main reasons why someone is in debt, for example, losing a family’s backbone, losing a job (the company where he worked to reduce employees), hit by a disaster, or a business that went bankrupt.

To overcome this, you can use it   3 types of bank programs   which can ease your burden in paying off debts that are still running:

One-time discount / discount

This type of relief program allows customers to reduce their total debt to smaller amounts. As the name implies, even though the customer gets a discount in his debt (generally 20-50%), they must pay directly in one payment. In some cases, this one relief program can give cardholders a discount of up to 70%. So, you don’t have to wait for years to pay off debt, and of course accompanied by a larger total discount.

Extended Installments with Low Interest

Unlike the discount program in one pay, this one program is suitable for those of you who are financially less. In short, customers who have credit card arrears or KTA arrears can extend their installment tenure to be lighter, the interest earned is lower than the prevailing interest rate in general. If the normal interest currently running is in the range of 2.25%, then it is possible to get interest of only 0-2%.

Installment Discounts

Another program with this one, this type of program is a combination of the two types of programs above, namely customers get a discount and the remaining payments can be made in installments. The bank will also see the conditions experienced by the customer first. If the customer has supporting conditions that make it more difficult to pay off the debt, then it is likely that they can get this program (provided that the bank in question has the program).

To get a relief program like the three options above, you can ask for help from a company that provides debt management program services. Companies that provide debt management programs like this usually have experienced teams that are professional in helping you to strategize in paying off debt. Not to mention if you have multiple debts in various banks at the same time, of course a company that provides a debt management program can help you to formulate a strategy and decide which type of arrears must be completed in advance according to the financial conditions that you have.

One of the advantages of using a company that provides a debt management program to overcome your credit card debt problems is that you can focus on finding funds to pay off debt. When this is a consultant from a company that provides a debt management program has a role to help you get the best relief, so you can pay off the rest of your debt, without the need to pay credit card bills with minimum payment continuously. One company that you can use is Titus Groan.

Titus Groan international   is the first technology-based professional services company in Indonesia, which provides a debt management program. This program is designed so that consumers who are in debt, have the ability to control their finances again. Titus Groan Indonesia helps clients through a debt management program, specifically designed according to the different needs of each client. This program is a combination of education on various opportunities to increase income and reduce expenditure, as well as conduct negotiation processes on existing bank debt requirements to reach the amount of payment that is in accordance with the ability. Titus Groan Indonesia’s headquarters was established in Jakarta in 2015 by a founding team that has collective experience in the financial sector including debt settlement for more than two decades. Titus Groan made Indonesia a center of operations as well as a blueprint for the company’s development plan to other ASEAN countries. Since July 2016, Titus Groan Indonesia has become the first company in Asia to get   accreditation   from the International Association of Professional Debt Arbitrators (IAPDA).

 

What Do Venture Capitalists Want? } Business Finance

What Do Venture Capitalists Want? } Business Finance

 

What are venture capitalists looking for? What do venture investors want in an investment? If you have to ask, then you and / or your company is probably not a good candidate for them. This conversation is just in case you do not know it – it’s a reference to an old joke: when someone asks a Ferrari salesman how much it costs, the salesman responds: “If you need to ask the price, it’s because you can not afford it.”

 

Risk capital investors 

 

Risk capital investors in Brazil

To know: “Angel investment in a company is usually done by a group of 2 to 5 investors, both for dilution of risks and for sharing of dedication, with 1 or 2 being defined as leading investors for each business, to streamline investment process. The total investment per company is on average between R $ 200 thousand and R $ 500 thousand, up to R $ 1 million. “

I started this article with this bland joke because so many people end up saying “venture capitalist” when they really mean “angel investor” or ” bold or aggressive investor.” It is worth mentioning that venture capital is very specific and specialized. There are dozens of venture capital companies in Brazil and hundreds in the USA willing to invest in business around the world.

 

Getting Investment Angel and Venture Capital

 

Getting Investment Angel and Venture Capital

 

To get financing with venture capital investors, the company or business must have all the qualities that angel investors desire. Legend has it that the bigger the better. Venture capitalists (also known as VC’s) focus on high returns even at high risk.
Just like most angel investors or mood investors, venture capitalists are not only looking at a healthy company, or just dividend companies, they are buying percentage ownership of companies with the intention of selling those percentages by 10, 20, 50 or more times what they originally invested.

They make money when they go out of business, and this happens when they sell their stake in the property for real money. The collection of investments that a VC is called portfolio. The companies in which you have invested are in your portfolio and a successful portfolio grows at least 10x every two or three years, and that is the real growth of your money.

 

What can venture capitalists do for your company?

 

What can venture capitalists do for your company?

 

VCs (venture capital investors) invest in companies that have real possibilities for future growth. They also typically have their own qualified and qualified management and containment teams in specific areas.

They need to be able to expand the business expansion they have acquired – which means reaching high volume sales very quickly. They have to have something different, like a “secret sauce” or “advanced technology” or expert people, who will defend them against being swallowed up by stiff competition.

Consider the size of your business to think about how much you will need to invest. Venture capitalists (also called VCs) raise funds from hundreds of millions to billions of reais to leverage businesses and businesses in some in each 3 or 5 year cycle.

Usually they went from larger organizations like insurance companies and conventional investment funds, sometimes from multinational companies and even individuals who got very wealthy because of their activities as singers and gamblers.

 

Money and investment for startups and innovative companies

 

Money and investment for startups and innovative companies

Having an immense amount of money brings the “obligation to invest” this money into startups and promising and emerging businesses.

In venture capital, the investor is more likely to review the follow-up rounds for more money after the money initially invested. In general, these Venture Capital investors often talk about “seed rounds” as the first few hundred thousand reais, so the “A series” comes for a few million after the seed financing has generated the traction and the necessary credibility will be followed B series and C series, each round significantly increases the money.

Since the amounts invested by venture capital investors are high , the stakes are correspondingly high. So venture capital is actually more involved in the later rounds, not in the seed rounds.

See too:
1. Crowdfunding the best way to find investors
2. Angel Investor for business financing and startups
3. How to find Investors for your company and business
4. How to get investors or investors?
5. How To Get Angelo Investors For My Business
6. Online Loan and Credit Market for Investors
7. Women Investors – Start Planning for Investing
8. Working Capital Financing for Entrepreneurs

If you are still not sure which funding source is right for your business, business, idea, or even do not know what options are available when it comes time to secure funding to expand your organization.

Kollagen Intensiv Guide

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Is It Realistic To Believe That Kollagen Intesiv Will Help You?

As you grow older, you probably notice that many imperfections appear on your skin. The process cannot be stopped, no matter how much we try. However, it can be slowed down. Just look at many of the celebrities, who are having that youthful spark even if they are in their forties. Of course, a lot of this has to do with makeup and cameras, maybe even surgery, but a great many of them are using powerful products, like Kollagen Intensive in order to look better for the cameras and their fans.

How Can You Get Better Looking Skin With a Little Help From Kollagen Intensiv

What do you see when you look at your face in the mirror these days? Is it the same youthful face that you had for years, or is it replaced by a much older and wrinkled one? Do you wonder sometimes where has that young person gone? Well, what would you say if I told you that it is now beneath all those wrinkles and spots and is only waiting for you to release it? Do you want to know how you can do that?

Does Kollagen Intensiv Contain The Right Ingredients?

All good products are based on the right ingredients and their correct mix. Just ask any person or company making something and you will get this answer. It doesn’t matter if we are talking about rockets or pencils, this is fact. And, of course, it is the same in the case of anti-aging products, like Kollagen Intensiv.
This skin-rejuvenating cream would certainly be nowhere as effective and popular if it didn’t have the right formula of ingredients in it, which allow her to help your skin be softer and look younger.

Where And How Can You Safely Get Kollagen Intensiv?

If you often look at yourself in the mirror and wish that you could do something about those wrinkles and lines that are covering your face and making you look like you have 90 years, you have probably thought to yourself more than once, “why wouldn’t I try to use an anti-aging cream? I’ve heard that there are many of them that are very effective”. So, what keeps stopping you? I’ll tell you. The fact that you don’t know how to safely buy these products is stopping you. You want to be sure that the product you are going to buy is both effective and safe and that you don’t spend too much money on it. This is a very difficult task.