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A Guide To Investing

Company Mission Statement As a Component of Strategic Thinking Business

The mission statement is a statement that became the basis of all the major decisions for your store/business. Comprehensively, the mission statement will usually consist of several elements of the following:

1. The concept of your store.
2. The nature of your business (in this case is the retail business).
3. The reasons for the existence of our stores.
4. Principles and values ​​into the handle when the store is run.

For example, you run the specialty store for men’s clothing named “Store A”. The following mission statement you may be able to consider:

“Store’s A mission is to meet the expectations of the adult men for medium community with high quality dress, with following trends and fashion at an affordable price. For that we have a commitment to:

- Choosing the location of the shop only at places that match our target market.

- Selecting and establishing relationships with suppliers with brand has been recognized by our target market.

- Creating a shopping atmosphere to satisfy our customers with an entertaining store concept and attitude of employees who serve.

- See the development of fashion trend in order to always be able to anticipate the market needs.”

With a mission statement above, then at least there are some benefits that we will get in managing the store, namely:

- Establish and maintain consistency and clarity of the overall goal of establishing a store / outlet.

- The terms of reference for all major decisions to be taken.

- Gaining understanding and support of the people involved in the operation of the store, either directly (as employees) or indirectly (local communities and government).

If necessary, you make the documentation of the mission statement has been made, so that you and all your employees can continue remember the mission when doing any activity.


Gold As An Investment Option

Currently there are at least three types of commonly traded gold. Each type has its own advantages and disadvantages. But in terms of investment, of course we will choose the type of gold that gives the greatest advantage.

1. Gold for jewelry
Gold jewelry is the most popular and commonly type sold in the community. Gold in the form of jewelry can be worn everyday as beauty accessories. However, this type of gold is less recommended for investment purposes. This is due to when we buy jewelry, there are additional components price we should pay, namely the manufacturing cost whose value itself can be quite large. Meanwhile, if the jewelry was resale, it just judging from the weight of gold alone.

2. Gold in coin form
In contrast to gold jewelry, gold in the form of coins was deliberately made to be traded as gold deposits. Gold coins are often used as a collector’s item. No wonder, for coins that are scarce then its value can be enormous, far exceeding the value of gold contained in the coin itself. Usually the size of the gold coins is from 1 gram to 10 grams.

3. Gold bullion
Do not imagine for gold bullion as bullion bricks that are all made of gold, as we so often see in Hollywood movies. Heavy gold bars ranging from 1 g to 1 kg. Usually this gold is pure gold with 24 karat content. For investment purposes, you should choose 24-karat gold bullion with a purity level of 99.99%. Purchasing gold bullion is not subject to VAT taxation by the government, because this gold is considered as raw material for the jewelry industry and so on. Therefore, for the same weight, the purchase price of gold bullion less expensive when compared with gold coins. Thus, gold bullion is the most suitable type for use as an investment instrument, because we do not need to pay extra to pay the VAT or manufacturing cost.

MONITORING GOLD PRICE AT ALL TIMES
To invest in gold, it is important for us to be able to know the growth of the gold price to get a better profit. Both for buying and selling gold. We can monitor the development of international gold prices through some websites. In addition to showcasing the latest gold prices, the website also displays the gold price growth in the form of graphs, ranging from a month, 6 months, a year, 2 years, even 10 years.
From that graph, combined with our knowledge about things that affect the gold price movement, then we can estimate how the direction of further growth of the gold price so we can take better investment decisions.

Overview Of Gold

Gold as the metal is a chemical element that has the symbol Au and atomic number 79. Chemical properties of gold is “inert”, meaning that gold does not readily react with other chemical elements. Gold will still be shiny though so long buried in the ground or on the ocean floor.

Gold metal has uses in various industries. But its main use is as jewelry and tools of trade or currency transactions, both of which are hedge. Gold has been used as currency since more than 5000 years ago. Gold is a metal that has a very high value in all cultures in the world, even in its raw form.

Gold is often referred to as a “barometer of fear”. At the moment people worried with the economic situation, they tend to buy gold to protect their property values. Two kinds of economic situations that often make people worry is inflation and deflation. Gold has been proven as a means of storing treasure that are resistant both to inflation and deflation.

GOLD PRICE ANALYSIS
Gold has a limited supply and not readily available, while demand for gold is never reduced, consequently the price of gold tends to increase from year to year.

In everyday reality, the gold price not only depends on the situation of supply and demand. Gold prices are also influenced by the overall economic situation.
Here are some of the economic situation that often affects the price of gold:

1. Changes in exchange rates
The weakening U.S. dollar exchange rate is usually pushed up gold prices. This is because investors choose to sell their dollars and then buy the gold which was considered capable of protecting the value of assets they have. For example, mid-October 2009 exchange rate of the dollar against other currencies continued to decline, while gold prices continue to rise up to a level of $ 1,070 per troy ounce which is an all-time high gold prices.

2. The political situation of the world
The rise in gold prices in late 2002 and early 2003 occurred as a result of an attack to Iraq by U.S. allies. Market participants switch from money market investments and the stock market into gold investment so demand for gold jumped so sharply.

3. Supply and demand
One example of things that can affect the supply and demand of gold is like in mid 1980. At that time, forward sales by mining companies always blamed for rise in gold prices. In business terms, the actual behavior of these mining companies makes sense. By performing a forward sale when the price of gold rose, they can secure the mine output prices at a fairly attractive price.

Another example, the case in mid-1998 in which the gold price continued to decline. At that time, central banks in Europe said would reduce its gold reserves in respect of plans to implement the euro currency. The gold price dropped around 290 dollars per troy ounce.

4. The global economic situation
About 80 percent of the total supply of gold used jewelry industry. Consumption of jewelry is a great influence on the demand side.

When economic conditions improved, the need for jewelry tends to rise. However, from statistical data seen the need for jewelry is more sensitive to gold price fluctuations than it increased by the economic conditions.

The fall of the level of jewelry demand during recessions in the years 1982-1983 due to rising gold prices simultaneously. The fall of the level of jewelry demand in times of recession the early 90s more in tune with the above, at the time the gold price has fall.

Uncertain economic situation may lead to high inflation. Gold is used as a means of hedging against inflation. This benefit has been felt by investor for a long time. With gold, investors got a perfect protection against the decline in purchasing power. Years 1978-1980 when gold prices are booming, while inflation in the U.S. rose from 4 percent to 14 percent, gold prices rose three-fold.

5. Interest rate
When interest rates rise, there is a big effort to keep money on deposit than gold that does not bear interest. This will lead to pressure on gold prices. Conversely, when interest rates fall, gold prices will likely rise.
In theory, if the short-term interest rates rise, the price of gold fell. However, in some cases this theory does not always work. For instance occurred in Indonesia in 1998, due to the Rupiah fell sharply against the U.S. dollar, the Indonesian government raised interest rates significantly. The hope, restrain the rate of increase in U.S. dollar exchange rate. As a result, despite rising interest rates, gold prices also rose.

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Financial Life Cycle

In line with the passage of the human life cycle from infancy to old, then the various views and financial needs are also always changing according to circumstances. For example, when someone was in the 30s, the chances are greatly enjoying his youth, worked diligently and aggressively, but a race against consumptive lifestyles are struggling with credit card bills. Retirement at age around 50′s, someone usually is work hard to make sure have enough money after not working.

Personal Financial Planning

When people talking about Personal Financial Planning, they suddenly silence a thousand words and begin to wonder in their own hearts, “what Asset I [already] have at this time? “. Maybe that’s what happened with you at this time.

Some of them, and you may of course, be thankful that they are a little start, or even have some tangible assets in their life such as motor vehicles, jewelry, and even private homes. Regardless of the small size and prestige value of course, because all comes from personal achievement.
If the first words, “Well, I have thin balance. Must saving until next payday “is pronounced when comes to ‘old date’, now the words that can even be heard shortly after receiving the salary, because the salary almost out for installment. Maybe this is happening to your relatives or even to your own, I do not know. But I may be slightly out why many people can not manage its own finances.

Before we discuss about the personal financial plan, let’s check is there anything wrong with our mindset all along? Wait, you might ask what to do with the mindset of personal financial planning? Obviously there is, because our mindset is [probably] not exactly make us also not appropriate to do some actions related to personal financial.

Let’s get started …
Please answer a few questions, “Where you have to save?”, Then continue with, “Why does there have to save”, then as we all know that generally the first answer is the “Bank” and the second answer is “To be safe, and having interest”.

Not without reason I say

Service as a Marketing Strategy

If you have ever received disappointing customer service, you won’t be surprised to learn that most companies spend more on acquiring new customers than keeping existing ones happy. Winning lifelong customers requires the ability to not only get a prospect to buy again and again, but to do so happily. The benefits go far beyond inspiring loyalty and repeat business; happy customers become advocates for your brand, driving referrals by sharing their experiences with friends, colleagues and social networks.

Great customer service is a competitive advantage. Say you need something fixed at your office. Company A was an hour late, talked on their cell phone the whole time and left without telling you they were done. Company B, on the other hand, arrived on time, explained what they were going to do to fix your problem and gave you a coupon for your next service. Which company will you use next time? The same warm, friendly, accommodating approach you take to nurture a customer should be continued for the duration of the relationship. Positive experiences lead to repeat business and referrals. Service as a strategy has to come from the top and be truly ingrained in your company’s core values. Every process, every decision, every employee must act in alignment with this strategy in order to be successful.

Personal Selling
For some companies, customers must connect with a salesperson before making a purchase. Unfortunately, many of these sales-intensive businesses lose revenue because of a buy-or-die mentality on the sales floor. If a lead comes in that isn’t ready to engage right away, it can fall into a black hole of lost leads that could have become customers given enough time and nurturing. These wasted opportunities add up to a lot of lost revenue in the long run.

To prevent this, you must be able to nurture leads and identify when they are ready to distribute to your salesperson. Your sales team is a valuable resource, the driving force behind growing your business. They can be much more effective if your system automatically evaluates certain behaviors and factors, identifies hot leads and intelligently distributes them based on specific factors such as industry and geography.

In addition, every day your sales team engages in dozens of communications with leads. Automating some of these communications could free up your team to focus on only high-impact conversations instead of routine follow-up messages. This type of workflow automation can be used to automatically add notes to records, send thank you notes after sales calls, kick off educational emails and more. The best part is, by leveraging workflow automation to save time, your sales team starts to view your system as a valuable resource—and not just a waste of time.

Deliver as Promised—Automatically
Despite their best intentions, many small businesses over-promise and under-deliver simply because they don’t have enough time and energy to meet the expectations set during the sales and marketing process. Luckily, many elements of great customer service can be automated, which eases the burden on the business and helps customers feel valued and appreciated. For example, a big customer service challenge for many businesses is training customers on how to successfully use their product. Instead of training customers in person or over the phone, which requires a big commitment from both parties, automation allows you to create engagement campaigns that slowly drip information over time.

Another advantage of automation is that it allows you to easily identify and segment happy and unhappy customers through a simple survey. Customers who are satisfied can be automatically rerouted to a testimonial and referral campaign while unsatisfied customers can be routed to customer service for personal follow-up.

Soccer Seen From The Eyes Of Marketing

Soccer euphoria swept the world. First, soccer only popular in Europe. In the United States? Uncle Sam’s country is even assume that soccer is a sport done by “stupid people”. This country prefers basketball or baseball.

But conditions changed, Americans now realize that soccer is a popular sport in the world, and even a lucrative business area. Finally, many business owners who seek to acquire ownership of European soccer clubs . Lets say Malcolm Glazer who acquired a formidable soccer club from England, Manchester United. Even for more popularizing soccer in the United States, the soccer league in the country is bringing world-class players like David Beckham and Robby Keane.

It is not possible in the coming decades soccer will exceed the popularity of basketball or baseball, and I think this will happen soon.

Why is soccer so extraordinary could expand the world? Is this just coincidence or is there such a great design behind all this? I think it is not a coincidence. From the business side , of course, the business person in the field of soccer role in popularizing the sport. Of course, to reap the revenue.

The presence of David Beckham in Major League Soccer is not merely to strengthen the club LA Galaxy in order to win the competition, but also as part of marketing activities. If soccer is a brand, then David Beckham is as its brand ambassador. Who does not know with David Beckham, the world soccer player who is also a public figure and celebrity. And it is common that a celebrity is an attraction and an effective weapon to introduce a product and attract customers. Soccer is a product, and David Beckham’s role as an attraction to gain United States market share which held by the basketball and baseball. If the basketball and baseball does not fix the marketing activities, it is not impossible that the U.S. sports market will be dominated by soccer. And this process is happening, slowly but sure! VV85G5NQMR67

The Importance Of Presentation and Image for Your Business?

So you’ve decided on a business. You’ve set it up and you are ready to trade – why do you now need to think about your image? Your image tells people around you a lot of things – from how successful you are through to what matters to you. People seeing you will rarely differentiate between you as an individual and your business so whether you are ready or not you are now the face of your business!

Recent reports suggest it takes just 7 seconds for someone to form a first impression about you. 93% of a first impression is based upon how you look and sound – only 7% is what you say. So, when a parent or friend used the phrase “dress for success” they were right – if you want to be taken serious you have to dress, act and look the part.

How do you get started without losing “you” inside all of this?

The 4 key areas to think about are:

1. physical appearance
2. posture and body language
3. the hand shake
4. communication

Physical appearance – you might not be able to afford or even want the latest fashion trends, however dressing smartly and being well groomed is possible. A suit is a good investment, but don’t wear lots of accessories with your outfit and don’t wear a lot of jewellery – the noise and look may distract you and the people you are talking to. Do think also about your grooming – shiny, well brushed hair, polished shoes and clean, well cut nails will all get noticed.

Posture and body language – how you choose to stand or sit and the way you present yourself when speaking or listening will have a big impact on the effectiveness of your message and how seriously you are taken. Have a relaxed stance ie not standing to attention like a soldier on parade and make sure the stance is open – this means in particular don’t sit or stand with your arms crossed. Keep fairly still when in conversation or waiting for your moment to speak and avoid at all costs big gestures or fidgeting when either speaking or listening. Practice your stance in the mirror to get a feel for what you look like – the look you are seeking to achieve is confident, approachable and capable. You need to remember to not slouch – sit and stand tall with your shoulders back, rib cage lifted and chin up.

Most importantly smile and maintain plenty of eye contact – people like people, like themselves. Everyone likes to think they are liked, positive and approachable most of the time so keep this in mind and smile confidently.

The handshake – greeting or parting, it’s part of the western culture that we all need to master. What you are seeking to achieve when you shake a hand is a full hand to hand shake – don’t just shake fingers. Also you need to get the pressure of the handshake right. This means not being too light (this will be taken as a limp handshake) but also not being too hard – this will be taken as a bone crushing method to demonstrate your strength over that of the other person. If you are not sure, practice with a friend or family member and ask for their honest opinion.

Credit Cards for Bad Credit Score

If you’ve bad credit score, you may consider that it’s difficult for you to get a credit card. Let’s begin by stating that if you have bad credit score, the only possible factor might have for seeking another credit card is to try and improve your own credit rather than to take a buying spree in the local Wal-Mart. For individuals with bad credit score, credit cards could possibly be the bane of existence.

Yet, there will be legitimate causes of wanting credit cards. First, they really are helpful within emergencies. For instance, when you need to get stranded through the side from the road along with car problems, a credit card may enable you to get a pull truck faster than if they have to costs you. Having credit cards with bad credit may also assist get you back on the road toward great credit supplied you use it properly.

Just which means you cannot get into too much problems with credit cards although you’ve bad credit score, we advise that you will get a guaranteed credit rather than attempt to obtain a standard credit card. A secured credit card could avoid you through getting into credit troubles and still present that you could be sensible with credit cards as well as provide you with the peace of mind you require in the case of an urgent.

With the secured credit card, you deposit some money into a merchant account that is tied to that card. You may then utilize your own card exactly would a normal credit card. The excellent part about a secured credit card is that when you’ve reached the quantity of that deposit, you can’t make use of the card anymore before you deposit more cash.

A secured credit card is a terrific way to begin creating your credit score if you’ve amassed a bad credit record. Most credit agencies don’t examine secured credit cards very identical way that they do standard credit cards, yet they do consider it as a great trust motion in your part to repair your own credit as well as show that you could handle credit responsibly.

Even when you have bad credit score, you may also have the ability to secure the department store credit card. Several stores offer a credit which has a low restrict even though your credit score isn’t stellar. Of course, the large thing here’s to make your installments on period and don’t overextend your own credit. It’s credit suicide to obtain a card, charge too much on this, and next miss bills or become late upon payments.

Just since you have poor credit doesn’t imply you can’t get credit cards. Just be cautious should you choose get 1 and keep in mind that there’s grounds you possess bad credit to begin with and study from your previous mistakes.

Expand Your Info Marketing With New Technology

Things are going on right now in information marketing that you need to know about. You can’t see them. You can’t touch them. But they could help you make money online, and the only thing you need to do is tune in to what’s going on.

Specifically, we are talking about expanding your information marketing business with audio, video and tele-seminars. For example, earlier today, we conducted a tele-seminar with a few dozen participants. we’ll have another one going on tomorrow night. We could pretty much do one every day, if we wanted to, but we like to go out and party now and then, too.

So, the bottom line is that technology is evolving right under our noses. Some of us will pay attention, take advantage, and reap the benefits through information marketing. Others will completely miss the opportunity to make money online.