Category Archives: Risk management

Know Risk & Return Of Your Investment

November 13, 2011   admin   No comments

risk-return-compWe often heard the saying that says that the Risk & Return is always adjacent to and directly proportional to the same alias, language kerenya yes High Risk High Return. That is, when the target of our investment goes up, then the risk of our investments will also go up. Or when there is a product that offers a return on investment (return) is high enough, then certainly the product contains the risk of “hidden” that maybe we do not understand or know. Although this is often touted, but still people who wonder about a product or even an investment scheme. The phenomenon became Rich was later made a lot of blind people, aka rational disturbed when faced with offers of investment products that promise a very high yield. Being rich is a dream of all people, let alone get rich quickly. Unfortunately it will never be taught by a Financial Planner.

In the process of Financial Planning is good and right is done by a professional financial planner, then a client will be creating a book Plan in accordance with their financial goals and will be asked to allocate funds and continue to increase their investments each month. It takes perseverance and discipline to always be able to do this every month for years. For the majority of Indonesian people who want this instant all felt old and a waste of time. So many people looking for short cuts to increase the investment to 50% and some even want to 100% in a short time through investment schemes. That is why investment scheme also remains rife and many casualties.

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Economic crisis or Twilight of Capitalism?

November 01, 2011   admin   No comments

the-end-of-capitalismThis time of economic crisis 2008 is a crisis in the multi-layered. Indeed since Lehman Brothers went bankrupt in 2008, public confidence in the American model of market economy system is running low. Lehman Brothers, the 158-year-old financial institution which has been a symbol of the optimism of the free market system, was porous. The heart and nerve center of capitalism turned out to contain the virus are very destructive.

Demonstration occupy Wall Street (OWS), which began last month (17 / 9) and extends for several weeks across the world, signifying the growing awareness and collective aspirations that globalization and world economic system can not be built on the institutionalization of greed or avarice.

Superiority of capitalism, citing Obama (20/02/2009), is “Its power to generate wealth and expand freedom is Unmatched.” Extraordinary freedom to accumulate material wealth has spawned greed century (Martin Jacques, 2004), thus giving birth to a new culture as if greed is a gift (selfishness as a virtue).

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Six Sigma Employment Counseling Industry Leaders

October 15, 2011   admin   No comments

lucrative jobWhen someone is a recent graduate of the intention of getting a lucrative job in their chosen industry, already on its way toward achieving that goal. In the corporate world, knowing the inputs and outputs of the core business functions is a way to climb the ladder and get a better position. One way that some people used to give an extra edge at the central office is learning and applying Six Sigma methods. This is a business strategy used by many successful companies worldwide to improve the quality of its products and services offered while reducing expenses.

Six Sigma professionals working in the quality of products and services offered by companies. When someone works for one of these companies, or looking for a job with the understanding of how to apply their methods is an added advantage. Six Sigma professionals are experts in their field and have the skills to analyze companies from the inside out, looking for issues and problems, collection of necessary data and developing action plans to improve the quality of the company in general. There are several levels in the Six Sigma belt level that mean the individual is experienced with the use of methods. The Black Belt means that the employee is well trained in the methods and is able to lead a team in any project proposed for the executives of the company. They elect a team of Green and Yellow Belt for the project. These professionals will be chosen based on their skills and qualifications, their personalities and talents.

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Beware of credit card company: Do not put your personal finances at risk

October 09, 2011   admin   No comments
creditcards

creditcardsThe Pew Charitable Trusts, released a study showing that millions of individuals and small business owners receive offers credit card company each month. While this may sound like a tempting offer to some, should be aware that the credit card company are not covered by the responsibility of Credit Accountability and Disclosure (CARD) Act 2009. Consequently, entrepreneurs who use credit cards for business or commercial use, could face charges of sudden high interest rates.

If your company is structured so that you are personally responsible for its commercial debt (as a sole proprietorship or partnership), you are personally responsible for the card. Therefore, your business credit card usage is recorded on your individual credit report, which means that your personal credit can be adversely affected.

Here are some things you should consider:

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Employers Liability Insurance and its benefits for small businesses

September 12, 2011   admin   No comments

insuranceAny company, big or small, that employees must have permanent or temporary employers’ insurance liability. Not only necessary but mandatory in the United Kingdom in accordance with the Employers Liability (Compulsory Insurance), 1969. This helps the insurance company to cover unexpected expenses that comes from injury or death of its employees. Especially for small businesses, this is particularly advantageous because of the soaring costs of health and safety needs, which when incurred unexpectedly makes it difficult for business to bear.

The following discussion points will help you know what actually the liability insurance covers employers and why it is important for small businesses.

What responsibility do you cover? Employers insurance liability covers the costs associated with injuries or fatalities occurred to employees on site or off site in the course of their work. In addition to medical costs, lost wages during the treatment of employees is also covered. It also covers legal costs incurred because of the demands made by the employee / his family against the employer for injury or death.

How useful to the employer? Small businesses have limited capital, which is not sufficient to rescue the business of the difficulties. The cover of the employer’s safety is an important part of the risk management business. Thus, by having an employer of liability insurance, small businesses can be assured of timely monetary help at the time of unforeseen financial liabilities. In addition, make sure you create a sense of security among employees. It also shows that the employer cares about employees.

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Hiring a private investigator to reduce your risk – What You Should Know

September 08, 2011   admin   No comments

Private DetectiveHiring a private detective may be a smart choice that companies can not afford to avoid. Several benefits are available to companies that hire these specialists in information and in the long term, a large amount of money can be saved and find solutions to a variety of problems.

A researcher has many hats and may specialize in the same way as its counterpart in the police do. Detectives private investigators private rental by individuals, businesses and government agencies. The detectives working in the field of finance, the location of missing persons, criminal investigations, commercial espionage and sabotage, surveillance and anti-surveillance techniques, and background investigations. Where there is a need for the private detective can fill it.

Financial investigations are usually performed by accountants, but the private detective takes over the account leaves out. The researcher suspects that the interviews, tracks funds, and serves the interests of private companies, banks and other financial institutions for prosecuting offenders.

Search for missing persons investigation involves specific techniques when the missing person does not want to be found. The detective uses his investigative techniques to generate leads business where the missing person may have happened and why. Electronic searches produce results for the professional who knows how to interpret the results and correlate the information obtained from family and friends.

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