Guaranteed Loans For People With Bad Credit -Prendinota.Net / Thu, 18 Jul 2019 05:42:33 +0000 en-US hourly 1 https://wordpress.org/?v=5.6.1 Guaranteed loans bad credit -Loans for bad credit guaranteed approval: get one /payday-loans-hemet-ca/ /payday-loans-hemet-ca/#respond Thu, 18 Jul 2019 05:42:33 +0000 http://www.prendinota.net/online-payday-loans-a-loan-payday-loan-is-a-short-loan-get-one-now/ Loans for bad credit guaranteed approval: get one now

Humans are social beings and social beings will not be able to survive alone without the help of people around them, that’s what the wise saying says. At present, the economic needs are very crucial and for that reason, https://bridgepayday.com/ suggests you loans for bad credit guaranteed approval.

1. Shari application

For those of you who are looking to get a loan of money online without borrowing from a bank, one of them is to download the Shari application. This application offers you a loan of money from the range of Rp. 600,000-1,200,000, a payment period of 2 weeks, this loan is indeed classified as a personal online loan because the money lent is not too high and a lot. This is perfect if you need urgent money for medical purposes but payday money has not dropped, you can use the Shari application.

2. Friend Money Application

Online applications that you can submit for personal online loans are friends’ money, meaning that the money obtained is a form of financial assistance from friends or the community in Indonesia even abroad. This application requires you to create an account first and a complete profile of yourself, which will later be promoted through the official website of friends money, usually people who apply for funds in friends’ money are students or students, the funds included in our profile can be seen directly through the account. But this is not a loan, because you do not need to spend money to pay for loans obtained from the friend’s money application.

3. Our Fund Application

This online based application provides private online loan services. Our fund application is an application that was created to facilitate the children of the nation to achieve proper education, because the funds given will be none other than for educational purposes, which hope that education in Indonesia is not too far behind, so with the application of our funds we hope that it can assist in efforts to alleviate education left behind in Indonesia. This Chan provides a number of private online loans that are not half-hearted, ranging from 5-50 million with a long enough period.

4. Boyle application

If you need money for urgent needs and not too large, you can use the Boyle application as a private online loan container. The money lent from the Boyle application does not reach tens of millions, but the process is very fast and easy. Total loans given range from Rp. 600,000-1,200,000. You only need to include a complete and clear Resident Identity Card and home address. Then the money loan will soon enter your account. So much has been explained about applying for an online loan without borrowing money at the bank, even though the amount of money offered is not too large, but enough to fulfill a personal online loan, because it is private, the interest offered is not too large.

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What Is Financial Education? How to Use and What Is It For? – Improve Your Financial Health /what-is-financial-education-how-to-use-and-what-is-it-for-improve-your-financial-health/ /what-is-financial-education-how-to-use-and-what-is-it-for-improve-your-financial-health/#respond Sat, 22 Jun 2019 15:17:45 +0000 http://www.prendinota.net/what-is-financial-education-how-to-use-and-what-is-it-for-improve-your-financial-health/

 

The Low Interest is a loan simulator that aims to guide the user towards a smart and conscious financial decision.

If you like to understand about money, visit our financial education page and understand more deeply about various areas. Investments, loans, banks, budget ..

 

Understand Financial Education!

 

 Understand Financial Education!

Being financially educated is knowing exactly why each step involves money. Not just your obligations.

So, the one who aims to achieve financial education should always seek the best solution to their financial “problem”. Never the most basic or the easiest.

There are several areas within financial education, I will list some below. Which area do you most care about? Saving, Accounts, Contracts, Card, Interest, Investment, Goals, Divide ..

Learn to put Financial Education into practice!

 

 Learn to put Financial Education into practice!

See where Financial Education helps:

See what you may be missing out on, and reasons to start entering the world of financial education!
12 Reasons to Have Financial Education!

There are financial education courses! If you really want to get in and understand this area, nothing better than having elaborate topics and topics, with tips and teachers, know what you will learn and if it really is a good area! Why take a Financial Education course?

For example, to find a property to rent, buy, or whatever the intention, you need a knowledge of financial education. Will it fund? Get loan? What are the Interest? Here are a few tips. Read: Tips and Websites to Find a Property on the Internet!

Money is deeply rooted in our society, and we have so many good examples of its use as well as negative ones. Here are some phrases for you to understand the effect of financial education and to pass on to help your colleague who does not stop spending and does not spare! 6 Dictations on Financial Education!

Sites, apps and newspapers that teach you how to care for and value money!

Sites, apps and newspapers that teach you how to care for and value money!

Financial education is everywhere on the internet, whether on social networks, newspapers, or apps. The sites help with news, spreadsheets, strategies, news and various ways to help you financially. 5 finance websites to learn more about your money

Other sites help you with extra income guidelines, with practical guides on how much to save to make a trip or accomplish some goal. 5 websites that will help you take care of your pocket!

Have you thought about explaining to your child the importance of money? Do you expect him to value money? 10 Ways to Teach Kids About Money!

Financial education and children!

Financial education and children!

Ever thought that we were financially educated in the adulthood of life? There is a trend and different projects for students to have access to financial education in schools! Are you looking for material? Here’s how to use and apply financial education in schools!

These are some good topics of Financial Education! That encourages you to discover the banking, taxing processes .. The more information you have, the better you will choose your services.

 

 

 

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Is Bad Credit Card Act? Find Out The Answers Here! /is-bad-credit-card-act-find-out-the-answers-here/ /is-bad-credit-card-act-find-out-the-answers-here/#respond Fri, 21 Jun 2019 16:40:39 +0000 http://www.prendinota.net/is-bad-credit-card-act-find-out-the-answers-here/

 

When you start delinquent credit card payments or KTA (unsecured loans), people will usually start looking for as much information as possible. Both about how to be free from credit card debt, how to increase income in order to be able to pay credit card debt, and not be closed to find out about whether or not there is a Bad Credit Card Act. But actually, is there really a law that specifically regulates this?

 

There are no bad credit card laws

 

 There are no bad credit card laws

 

If examined further, in fact there is no Law of Credit Card that regulates specifically. Basically the case of bad credit has a similar bond with the agreement. So, if one party does not fulfill its obligations (wanprestas), then the consequences that apply are as agreed.

You need to see again in the written agreement that there are consequences that will be borne, and whether the written consequences are considered lawful and do not violate the law. This means you have to double-check what the consequences must be borne if one day you are no longer able to pay the installments and are forced to default. Usually the consequence that must be done is to pay a late fine, and interest that continues to run during delinquency.

Of course, usually the bank also has the right to collect arrears. This is where you need to pay close attention, you also need to know that the billing process also has limitations that need attention. A debt collector may not arbitrarily collect, for example you have credit card installments or KTA loans (unsecured loans), from the name alone it is clear that there are no collateral assets. Try to re-read the agreement, is it written that the bank will have the right to withdraw assets in the event of a default. If it does not exist, it means that the debt collector is not permitted to take especially to seize / withdraw the goods of the credit owner by force, with the reason to pay off the debt that failed to be paid.

 

Overcoming Bad Credit

 

Overcoming Bad Credit

 

Instead of being afraid of being unable to pay off bad credit and bothering to find out about bad credit card laws, it is better to start looking for ways to keep credit card debt and KTA still in progress quickly. Few know, that you can actually get a relief program to solve outstanding credit card or KTA debt problems.

According to the Bank Indonesia Regulation, the relief program or commonly referred to as credit restructuring is an effort to repair the Bank in credit activities against debtors who have difficulties in fulfilling their obligations. The results of this credit restructuring can usually alleviate customers so that they can better afford to pay.

You can get credit relief or restructuring programs, including one from a debt management program provider. Usually companies like this have consultants who are professional in their fields, so they are able to give you advice in developing strategies in resolving the types of debt that are considered more priority to those with less priority. Services from companies like this will be very useful especially if you have multiple debts in several banks at once. The high level of difficulty in overcoming this will certainly make you more helpful if you use the services of a debt management program.

Speaking of lightening programs that you can get, here are some types of relief programs that you can get:

One-time discount / discount

This type of lightening program makes customers able to get a discount with a nominal that is usually quite lightening.   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%. It’s just that you have to have financial readiness so you can pay immediately. This type is certainly not suitable for those of you who do not have enough savings, which can be directly allocated to pay the remaining arrears that have been discounted in one payment. The main advantage that can be directly felt is free from the disruption of debt collectors and feel more calm because the debt has disappeared, because in one payment all payments can be completed.

Extended Installments with Low Interest

The second is to pay more lightly. Usually with this program customers can pay in installments at a much lower interest rate. If the normal interest currently running is in the range of 2.25%, then it is possible to get interest of only 0-2%. As with the installment tenure, you can pay in installments over a longer period of time. In some cases, you can repay up to 60 months (5 years).   Funds that need to be prepared to join this program are at least funds to pay DP (minimum 10% of total debt for a credit card or one month installments for KTA) or depending on the policy of the bank. The advantage of this program is that you can pay little by little without directly dredging savings. Unfortunately, high payment consistency is required. Once you miss a payment, the program will be considered a failure, and the total arrears will return to normal as if they didn’t get any relief at all.

Installment Discounts

For installment discount programs, you can usually benefit from the two types of programs above. But because of its combined nature, of course you cannot pay in installments throughout the installment program, generally as much as 6x payments. Likewise at discounts, you do not get a discount for a one-time discount program. This type of program is only available in some banks. In addition, 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 has the program).

One of the debt management program providers that you can use to overcome the problem of bad credit cards is Tonio Kröger.

Tonio Kröger 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. Tonio Kröger 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. The Tonio Kröger indonesia 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. Tonio Kröger makes Indonesia the center of operations as well as a blueprint for the company’s development plan to other ASEAN countries. Since July 2016, Tonio Kröger indonesia has become the first company in Asia to be accredited by the International Association of Professional Debt Arbitrators ( IAPDA ).

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What Is The Profit Margin For Your Business? | Business Tips /what-is-the-profit-margin-for-your-business-business-tips/ /what-is-the-profit-margin-for-your-business-business-tips/#respond Sat, 15 Jun 2019 15:46:27 +0000 http://www.prendinota.net/what-is-the-profit-margin-for-your-business-business-tips/

 

03 Jul Profit margin: why should you establish it for your SME?

 

 03 Jul  Profit margin: why should you establish it for your SME?  

 

All SMEs need to establish a profit margin for their products or services. This helps to know if you are getting profits from what you offer or if your SME is really working.

Let’s remember a little what this margin is and what it is for:

The profit margin is the calculation that is made to know the profitability of a product / service or your business as such. It is commonly expressed as a percentage, that the higher it is, the higher you get.

There are two types:

Profit margin gross

 

 Profit margin gross

 

This type of margin works for the products or services you offer. This way you can calculate the profit that you have from the sale taking into account the production costs.

For example: you sell handbags with designs printed for $ 600, but everything that involved having the bag already finished cost you $ 400 (paint, labor, fabric, accessories). The profit is calculated from the difference of your sale price and the cost of production.

Sale price (Pv): $ 600 Production cost (Cp): $ 400

Formula to follow:

 

600 – 400 = 200 You are earning $ 200 for the sale of each bag

But remember that you have to express in percentage:

 

200/600 * 100 = 33.33% Your gross profit margin is 33.33%

 

Net profit margin

 

 Net profit margin

 

This type of margin is used to know the profitability of your entire business. Here not only do they involve production costs but costs of all the areas necessary for your business to work.

Costs of administrative, legal, advertising and marketing and even services such as electricity, water and internet.

Normally it is calculated with information of a certain period of time:

Gross sales (Vb): $ 120,000 Total expenses (Gt): $ 60,000

Formula to follow:

 

 

 

120,000 – 60,000 = 60,000 Your net profit is $ 60,000

It is also expressed in percentage:

 

 

 

60,000 / 120,000 * 100 = 50% Your net profit margin is 50%

The benefit of knowing your profit margins will be greater if you accompany it with a general monitoring of the finances of your SME. This way you will know which processes you should speed up or which expenses you can reduce.

For this you can rely on our digital tool, called Kompás, which allows you to know the income and expenses of your SME in real time and you can even see who your best customers are and in what concept.

Remember that by implementing improvements in your business you can achieve the goals you have set.

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Finance a New Kitchen – Renovation Loan /finance-a-new-kitchen-renovation-loan/ /finance-a-new-kitchen-renovation-loan/#respond Sat, 18 May 2019 04:45:00 +0000 http://www.prendinota.net/finance-a-new-kitchen-renovation-loan/

The kitchen is a center piece of a house’s life. Thus, the French are ready to spend a lot for their cooking. Learn more

The kitchen is a center piece of a house’s life. It must be functional and well equipped to fulfill its proper role. Sometimes you need to change the decor to bring a personal touch to the kitchen.

The frequency of use of this piece is another reason to remake it partially or completely. Two options are available to you in these cases. Either you finance the new kitchen on own funds, or you take a loan. In either case, it is important to measure the impact on your budget.

 

Change the kitchen with its savings

Change the kitchen with its savings

At a stroke of heart, you decide to buy the kitchen that seduced you by paying cash. Direct payment gives you the benefit of saving the cost of a loan and canceling out its risks. However, you must pay up to € 10,000 and depending on the cook (industrial or artisanal) prices can increase sharply.
Between the furniture, the work plan, the appliances, the accessories, the materials and the labor, there are many expenses to be made. In addition, for a partial or total renovation of the kitchen, it is necessary to provide:

  • the advice of a designer or an architect for 1000 €. Advice is important to guide and stop your choice and your budget. Specialists help you make the most of the available space and provide you with information to help you get accurate pricing from suppliers.
  • the cost of demolition
  • the cost of ancillary facilities that accompany equipment. The price of a cabinet, for example, must contain the price of moldings, drawers, finishing panels and light caches.
  • the cost of unforeseen events or surprises reserved for a renovation. It is recommended to allocate a minimum amount of 10% of the total budget.

Financing a new kitchen can be very heavy for your personal budget. There is always the option of credit, but start by thoroughly evaluating your project before you start. Experts recommend putting less than 10% of the value of the house in this equipment to be able to recover it for sale.

 

Finance the new kitchen with a loan

Finance the new kitchen with a loan

If you decide to rely on a loan to finance the new kitchen, several offers are available to you.
First, the consumer credit that is directly offered by the cooks in the form of loan work or personal loan work kitchen.
You can request and obtain up to € 30000 delivered in 72 hours maximum subject to acceptance of the work loan file. Think before any commitment to compare the competing offers before choosing. Rates can vary a lot from one lender to another. Credit gives you the benefit of:

  • quickly get the money to cover all expenses
  • keep your savings, when you have them, to make beneficial investments. Saving also allows you to negotiate with your lender the credit rate and related charges
  • to make room for other investments.

Second, the payment facilities to spread over several months. It is possible to ask them on site at the store.

 

Enjoy a reduced VAT

Enjoy a reduced VAT

According to article 279-0 bis I of the general tax code, you can benefit from a reduced VAT of 20 to 10% on labor and furniture by entrusting the installation of the new kitchen to a approved specialist provided that the dwelling is more than two years old.

To finance a new kitchen is to face two options. Use personal money or credit. In any case take the time to properly locate your needs to clear with the help of professionals a clear budget.

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Is How To Pay Credit Card Without Pay? Loans /is-how-to-pay-credit-card-without-pay-loans/ /is-how-to-pay-credit-card-without-pay-loans/#respond Mon, 06 May 2019 16:34:58 +0000 http://www.prendinota.net/is-how-to-pay-credit-card-without-pay-loans/

 

Although credit card debt has begun to accumulate and it seems impossible to pay off all arrears, in fact there is always a way out to pay off the arrears. Many options are often chosen by many people.

Some options are usually done to pay off credit card debts that accumulate for example:

  1. Paying Minimum Payment
    The main way that is often done to overcome credit card debt that is starting to accumulate is to make a payment in aluminum, or more commonly known as English, which is minimum payment. By making this type of payment, usually you as the owner of the credit card pay (on average) 10% of the total arrears + bills that still haven’t paid off in the previous month (if any). This type of payment is often a favorite option, because the card owner does not need to worry about being listed on the BI blacklist , which can make it difficult to apply for a new loan.

    However, we can be sure that payment with a minimum payment is not the best option that can be done. The owner of the card is actually just hoarding debt without completing it at all. Not to mention, the interest on the bill will continue to be charged because it doesn’t pay. It’s not uncommon for new people to complete their debts after years. 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. Because the more used means more bills, the more bills means the total minimum payment will also increase. The best way is to not use the card at all and focus on paying off the minimum every month. This means you are forced to miss various attractive promos from credit cards, which should be able to benefit.

  2. Requesting assistance from the family
    Another option is to ask for family assistance. Usually family members who have problems like this often share it with other family members. Of course the family will provide the best help for your credit card problems. Not infrequently the family will help pay off all outstanding payments and help the card owner to be free from debt bondage. After that, usually the card owner will pay in installments
  3. Using Bailout Services
    Another way that is also often done is by using bailout services. Just like minimum payment, this option can indeed free you from BI’s blacklist. But actually, the option to use a real bailout service would be to hoard your debt to another party. Simply put, they only move debts from the bank, to the bailout party, with interest that is certainly bigger. Every month, you still have to repay the repayment to the bailout party. The amount of interest charged is also quite large, so your total arrears will increase. This method is also not recommended in terms of security. Usually to use this service, the card owner must leave the card to the ‘service’ party. Credit cards must be properly guarded so that they are not potentially used irresponsibly by others. If only the card is used by another party, of course your debt is not hoarded, even more deeply it will not be finished.

 

Is there a way to pay off a credit card without payment?

 

Is there a way to pay off a credit card without payment?

 

The answer is no. Basically the debt owed to the bank must be repaid. If not, your name will remain poorly registered in the Bank Indonesia Debtor Information System (SID). So once again, there is no way to pay off a credit card without paying. But do you know? There are other options that you can take to be able to pay off credit card debt with pieces that ease the burden. So, even though it’s not a 100% discount, you can still pay off the debt much lighter. 

 

Relief Program & How to Get It

 

Relief Program & How to Get It

The relief program is a program provided by banks to customers who find it difficult to repay the remaining debts. This program is divided into three types:

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%.

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 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. One company that you can use is Lemminkäinen.

It’s just that, to get the help, you also have to be more careful in choosing the right service. Here are some ways you can choose a good debt management service company:

Not Promising Bleaching

The definition of bleaching itself is that customers are not required to pay a penny to the bank. The forms also vary, companies that lack credibility usually can also promise unreasonable discounts of up to 90% or even installments as best they can. Even though the bank does not have a way to pay off the credit card without paying it like that, the customer still has to pay it off. Banks can provide a nominal reduction in debt, but never eliminate debt. In essence, debt must be paid.

No Request Payment (Fee) Upfront

Trustworthy companies usually only receive payment at the end, after all debt problems are resolved. In addition, usually consultants in the company can also provide predictions of funds that must be prepared by the customer so that the person concerned can directly participate in the relief program and pay it off immediately. If under certain conditions the company requests a deposit fee, make sure that the company can return all deposit fees if the customer fails to obtain relief.

Has a clear official website

Companies that have credibility usually have an official website that explains all services provided. Note also the grammar and appearance of the site, trusted companies usually have good grammar and professional site appearance, not just blogs. In addition, you can also check the Facebook FanPage account. Usually accounts that have credibility have educational content, and are used as a medium of interaction with their clients.

Have a Free Hotline & Not A Mobile Number

Another way you can do this is to check the free hotline that you can contact. When you get service via telephone, you can also check the friendliness and competence of the consultant who serves you. If the company only has a cellphone number, then you should be suspicious, because mobile numbers can be deactivated at any time. If something is expected, of course you will find it difficult to track and solve problems, right?

Clear Address

Check again whether the company has a clear and accessible office address. A good consultation is not enough just by telephone, go to the office in question and check again whether the office is indeed not fictitious and looks professional.

Have Accredited Services

It is inevitable that to ensure that you get the best service, you can check the accreditation that is owned by the company concerned. For services that help with debt management, one of the standards used throughout the world is IAPDA. World class accreditation usually ensures that every company related to debt management has a good standard of service to all its clients.

One of the debt management companies that you can use to get a relief program is Lemminkäinen.

Lemminkäinen 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. Lemminkäinen indonesia helps clients through a debt management program, specifically designed according to 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. Lemminkäinen Indonesia 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. Lemminkäinen made Indonesia the center of operations as well as a blueprint for the company’s development plan to other ASEAN countries. Since July 2016, Lemminkäinen Indonesia has become the first company in Asia to be accredited by the International Association of Professional Debt Arbitrators ( IAPDA ).

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How to Start a Dropship Business from Zero to Success } Credit /how-to-start-a-dropship-business-from-zero-to-success-credit/ /how-to-start-a-dropship-business-from-zero-to-success-credit/#respond Thu, 02 May 2019 16:35:46 +0000 http://www.prendinota.net/how-to-start-a-dropship-business-from-zero-to-success-credit/

 

  • What business can be started without large capital? Or even zero capital? One answer is the dropship business. Dropship system business is very popular in recent years, apart from the lack of capital because of the high potential profits, plus the way to start a dropship business is quite easy to do.

    I myself am also an actor in this business, since last year I have plunged into a dropshipper, and of course I have felt the bitter and sweetness of the dropship business itself. But overall, in my opinion dropship business is very promising, it can be used as a main business or can also be studied in marketing.

    Well, are you also interested in this business? Want to start but where do you start confused? Okay I understand, as a consideration, try to read this article to the end! I’m sure the contents of this article will really help, please refer to the following:

 

Determine what you want to sell

 

 The first thing to start a dropship business is to think about what will be sold later. My advice is to focus on 1 type of sale first, for example clothing, shoes, electronics, or something else. Try to think about what areas you like, master, or what you think are needed by people.

There are several fields which in my opinion are very large sales potential, including in the fields of fashion, electronics and beauty. But in line with its potential, the competition is also very tight. All you need to understand, the greater the potential, the greater the competition.

And it’s good that you also specify the items you will sell. For example, there are many types of fashion such as women’s clothing, men’s clothing, accessories, shoes, bags, or even soccer jersey. By further specifying products, you will be more focused on marketing and choosing marketing targets. If in the future it has developed, then it has expanded the specifications of the products sold.

Finding and Choosing a Supplier

 

 Finding and Choosing a Supplier

 

If you have determined what products to sell, the next way to start a dropship business is to find and choose a supplier. From my experience in dropship business, searching for and choosing suppliers is one of the biggest challenges because not all suppliers are good. There are two ways that I usually use to find suppliers, namely:

 

Looking for a Supplier

 

 Looking for a Supplier

Search Google

The most common way I usually do is look for it on Google search engines by typing in certain keywords. For example, you want to dropship women’s clothes, you can type keywords like dropship women’s clothes, dropship girls clothes, women’s clothing resellers, dropship robes, or other keywords, please try it yourself.

Search on Instagram

The second way is to look for it on Instagram social media, I used to look for it using certain hashtags, but I didn’t focus on the keywords “dropship” or “reseller” because the search results that came out were only a few, so I often searched for product name keywords. For example # clothes for women, # sellgamis, # sellbajucewek, and others.

Usually the online store that opens dropship will write it in the profile, even if there is no writing you can ask directly by way of DM or contact the WA or Line number provided. Don’t be afraid and embarrassed, without actions we will get nothing.

Search the Marketplace

I rarely search the marketplace because in my opinion it is rather difficult to find it, but I have found a supplier that is quite good in its products even though the service is normal. You can search the marketplace like Tokopedia or Shopee. Try typing in a particular keyword or being able to check every profile of the store whose products look good, don’t hesitate to ask directly if there is no info obtained on the profile.
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Search for Info on Famous Web

The last way I used to do it was to open and search for information on well-known and favorite websites, the aim of which was to find out whether they opened a dropship or not. Usually if they open a dropship, there is an info at the bottom or top of the web. One of the advantages if a famous or favorite web opens dropship, the product is likely to be very good and always up to date.

Choosing a Dropship Supplier

Choosing a Dropship Supplier

 

After you search for suppliers here and there and find several suppliers, don’t take everything, just start with the best suppliers according to you. How to determine a good supplier? Apart from being seen in terms of the quality of its products, a good dropship supplier can be seen from its service, communication, price offered, and much more.

Read: Tips for choosing a good, trusted dropship supplier.

Determine Media Marketing

Determine Media Marketing

 

Choosing media marketing is an important step in starting a dropship business. Many people who use the marketing media are not optimal, for example, only selling to friends via WhatsApp or Line or other messaging applications, this is understandable because they think the dropship business is only for side business. In fact, there are many other media that can be used easily to optimize it, even making a dropship business not just a side business, but a main business.

The marketing media is very simple but rarely used by dropship businesses because they are not used to it, for example you can market it on Instagram, Facebook, and in the Marketplace like Tokopedia. I myself market and sell dropship products on Instagram, Facebook and Tokopedia. In my personal opinion, the three media are effective as marketing media.

Don’t feel inferior just because you sell dropship items, just consider your own items. But what if suppliers sell in the same media, for example, both sell on Instagram? My supplier also sells in the same media as me, in fact my product sells well.

But what you need to do if something like that happens, do not market the product to supplier customers, meaning that you do not compete with suppliers because you will most likely lose in terms of price. In addition, avoid marketing techniques that are the same as suppliers, for example the use of tags must be different from those used by suppliers. Why? Because new customers can find your store and supplier shop, if consumers compare prices, of course your shop will lose.

Read: How to marketing a dropship business to increase sales.

Creating a Management System

 Creating a Management System

Let’s say you already have a flagship marketing media and start focusing on marketing it in the media. In order for business management to run smoothly and neatly, I suggest creating a management system that will facilitate management. Starting from the simple first, such as a product recording system, for example, which product is from a supplier, what price, how many variants are available, etc.

Another example, how many sales this week, from which media the sales came from, what products were sold, and there was a lot that you could record including when was the best time to post the product. With the recording and management of this detail, it looks troublesome but try because it is very helpful in making decisions. I myself have felt the hassle if there is no good record.

To start making notes, you can use Excel on your computer / laptop or can use your Smartphone. Starting from the simple first, the important thing is neat and clear.

Simple Secrets To Success

 Simple Secrets To Success I am not a successful person, only someone who feels that what has been done has run smoothly, including my business. I have a simple recipe to make my business run smoothly, which is action and consistent. I believe, if I can be more actions and more consistent then in the future the business will be more smooth and growing again. How about you Already action and consistent? Or can you just read it (sorry ^ _ ^) and just dream?

Okay, guys, those are some ways to start a dropship business from zero to developing, all of which really depend on your willingness to try and try. But, hopefully the article above is useful and helps realize your dreams. Don’t forget to share this article too, thanks and good luck.

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What Types Of Credit Are Allowed? Debit Card} Debt Consolidation /what-types-of-credit-are-allowed-debit-card-debt-consolidation/ /what-types-of-credit-are-allowed-debit-card-debt-consolidation/#respond Wed, 01 May 2019 15:26:32 +0000 http://www.prendinota.net/what-types-of-credit-are-allowed-debit-card-debt-consolidation/

 

 

There are times in life where a job is no longer satisfactory, or you need to move, or find facilities in a service you have the old version of, or, in a more specific situation, you have come across advantages in a possible portability of credit. In times like these it may be interesting to make a debt change for other banks and financiers who accept this type of credit.

In this post we will deal with the option that bank customers have free access to swap debts and financial services. Making a credit portability is to pass on the loan or the negotiations that you acquired in certain financial or bank to another option of your choice.

There are a few steps to follow so that you can safely do the procedure and not add unnecessary problems. Unfortunately, we can not always count on sufficient time to seek information satisfactorily. Continue your reading and know the most important points about loan portability!

 

When can loan portability be done?

 

When can loan portability be done?

 

The first thing you need to know before asking for portability is to know if the bank to which you want to pass your business or account debts accepts this type of transaction. Then look for information about the total value of your debt.

Upon its request, the Central Bank stipulates that the bank must make the information available within 24 hours. The customer can appeal if the bank does not fulfill its part. Check below the list with some of the loans available and also those that can be ported to another bank.

 

Personal Loan Portability

 

Personal Loan Portability

 

This type of loan is made in a bank or financial institution of your choice, with the acceptance of the contractual rules and the signature between the parties involved. It can be a bureaucratic process needing some documents. It is important that you pay attention to the interest rates charged. Because it is an account loan, it is easier to apply for loan portability.

 

Payroll loan portability

 

Payroll loan portability

 

This type of loan can be interesting because it has lower interest rates. It also counts on the stipulation of a certain amount to which its monthly installment can arrive, helping the client not to commit an exorbitant amount of the salary.

Another advantage is the debit of the installment directly from the applicant’s payroll, so there is no danger of passing the due date. It also has the portability facilities.

 

Portability of overdraft

 

Portability of overdraft

 

Overdraft is the type of loan that you should be more aware of. Due to the ease with which it can be requested, many clients will eventually ignore their interest rates which are usually much higher than those of the more common loans. That way, you may pay a few times more than the amount requested.

This mode of credit still can not be done portability, however, you can get cheaper loans and pay off the overdraft and switch banks if you want.

Rotational Loan Portability

 

Rotational Loan Portability

 

Connected directly to credit cards, the revolving loan provides the credit handling amount of your card. It works as follows: you have an x ​​balance on your card and make a purchase with it. The remaining amount of the limit can be used as a loan. This is the same as overdraft, you can get cheaper loans and clear balances from the open invoice.

At the same time that it brings ease both in service and payment, once you pay the installments through your monthly invoice, the interest is usually very high and may end up not compensating.

Also read these relevant articles on portability:
1. Portability of Loan or Renegotiate for cheaper interest
2. Purchase of Debt, Transfer or Credit Portability
3. Is Credit Portability Worth Or Not To Swap Your Loan?
4. Alternative credit portability to pay off debts

Every kind of loan or move that involves your finances, demands extra care. Making money in times of crisis and being able to keep it is a challenge for most people. Operations such as portability of credit can bring advantages if done with care, attention and mastery of important information, so as not to add problems that could easily be avoided.

So, did you enjoy learning more about loan portability? Do you want to continue reading this topic? So we suggest you see how to get better credit by using portability to renegotiate your debts for a more attractive rate. Check out!

 

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How to Pay Off a Credit Card without Payment. Is There Really? /how-to-pay-off-a-credit-card-without-payment-is-there-really/ /how-to-pay-off-a-credit-card-without-payment-is-there-really/#respond Tue, 30 Apr 2019 17:18:20 +0000 http://www.prendinota.net/how-to-pay-off-a-credit-card-without-payment-is-there-really/

 

Many people are curious, is there a way to pay off a credit card without paying? Is it possible that all credit card loans that have been in arrears and buried for months or even years can be removed without being paid? Not to mention there are some statements that reveal that credit card debt that has been piled up can be considered paid off on its own because it has been accompanied by insurance. To be clearer and answer the statement, let’s look at the following points:

 

“He said using insurance could free up the obligation to pay credit cards?”

 

"He said using insurance could free up the obligation to pay credit cards?"

 

Some reveal that the insurance contained on a credit card can be a way to pay off a credit card without paying. Though there are mistakes that people do not know. The insurance contained in a credit card is not immediately available, you must register first. This means that you also have to pay insurance premiums regularly every month. So, if you never recorded a bill paying credit card insurance, it means that the card you have has not been accompanied by these paid facilities.

In addition, having insurance does not mean you can get rid of outstanding credit card payments. Usually new insurance applies and can be a way to pay off a credit card without paying if the owner of the card dies or is permanently disabled. If the case is experienced, it means that all arrears costs can be immediately released and do not need to be repaid.

 

In fact, Credit Card Debt can be ‘inherited’ to the family if the card owner dies

 In fact, Credit Card Debt can be 'inherited' to the family if the card owner dies

 

Another fact that you need to know is that credit card arrears owned by the card owner can also be passed on to the family. This of course applies if the deceased does not facilitate insurance costs on his credit card. So, even if the card owner dies, the family left behind has an obligation to pay it off. If not, of course the bank will still be pursued through a debt collector.

 

Means There Is No Way To Pay Off A Credit Card Without Paying

 

Means There Is No Way To Pay Off A Credit Card Without Paying

 

If indeed the credit card is not equipped with insurance that the dependents of the dependents have died / experience permanent disability, which has been protected by insurance, it means that the obligation to pay off arrears will still apply. But don’t worry, if you don’t find a way to pay off your credit card without paying, you can still take advantage of credit relief or restructuring programs to be able to pay off credit card debt until it is paid off and free from a bad IDI Historical score.

What is Credit Relief / Restructuring Program?

According to Bank Indonesia Regulations ,   Credit restructuring is an improvement effort made by the Bank in lending activities to debtors who have difficulties in fulfilling their obligations. The results of this credit restructuring can usually alleviate customers so that they can better afford to pay. There are several types of relief programs that can be obtained, for example: getting a discount on credit, deductions with extended installments, or a combination of both.

These three programs certainly can relieve you, so you do not need to spend a lot of money that is burdensome to pay off the remaining debt. The following is an explanation of each lightening program that can relieve your credit card debt:

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%.

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).

After knowing various programs that you can use to remain free of debt, but in a way that alleviates, the next step is to find out through which programs can be obtained. One way to get the program is through a company that provides a debt management program. Companies like this usually have consultants who can give you the best advice for paying off debt.

A consultant like this is needed so you can choose which type of relief program is better and in accordance with the financial conditions that you currently have. Not only that, if you have several debts at the same time with various interest rates, of course choose your own advantages and disadvantages. Consultants can help decide which type of debt must be completed first, and how to manage finances you must do.

Third parties like this can also give you additional benefits in the form of time savings. This will certainly be felt for those of you who have credit card debt in several debts at once. You do not need to bother handling debt one by one, the consultant can represent you to meet with the bank and resolve the debt problem. Meanwhile, you can focus on finding income that can later be allocated to pay off debt. The leisure time that you have can also be used to look for side jobs which of course can help you pay off debts faster.

To get help from experienced and professional consultants like this, you can use Brighella’s services.

Brighella 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. Brighella Indonesia helps clients through debt management programs, which are specifically designed according to 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. Brighella 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. Brighella made Indonesia as the center of operations as well as a blueprint for the company’s development plan to other ASEAN countries. Since July 2016, Brighella Indonesia has become the first company in Asia to get   accreditation   from the International Association of Professional Debt Arbitrators (IAPDA).

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Why Should You Accept Digital Payments In Your Business? | Business Tips /why-should-you-accept-digital-payments-in-your-business-business-tips/ /why-should-you-accept-digital-payments-in-your-business-business-tips/#respond Fri, 26 Apr 2019 14:47:53 +0000 http://www.prendinota.net/why-should-you-accept-digital-payments-in-your-business-business-tips/

 

13 Aug Why should you accept digital payments in your business?

 

13 Aug  Why should you accept digital payments in your business? Posted at 16: 30h in Tips for Business 0 Comments

Today, technology has increased the payment methods that exist to facilitate all processes and experiences that a customer has when buying a product or service. That’s why accepting digital payments in your business is essential, because you show that you are at the forefront and above all that any customer can consume you without any problem.

You may have traditional payment methods such as cash and other more digital ones such as credit or debit cards, but you will soon have some contact with a customer who asks if you can make a payment without contact or with cryptocurrencies. But so that at that moment you do not deny a business or purchase opportunity, here we will tell you the types of digital payments that exist and how they would improve your business.

What are the digital payments?

The digital payments range from credit and debit cards to the newest ones such as bticoins and e-wallets. All these have been created under the idea of ​​maintaining total security in transactions to send, pay or receive money.

Credit and debit card

 

Credit and debit card

 

The credit and debit cards are plastic that contain data (bank account number and name of the one to whom it belongs) that are processed and identified by a reader commonly called terminal point of sale. Which allows you to accept these payment methods by receiving the money in your company’s bank account. The banks belonging to these types of payment charge a percentage of commission to affiliate your business to them and that way you can accept certain cards. The conditions depend a lot on each bank and even on the type of card used.

 

Payment without contact or e-wallet

 

 Payment without contact or e-wallet

 

The contactless payment or e-wallet has emerged a few years ago, but recently it has been the most novel payment method used by consumers. It works in such a way that just by having a closeness between a card and a terminal, there is wireless communication between them and the necessary information is transferred. This has been able to ensure even more transactions and above all avoid fraud or possible identity theft. Even some cell phones can be used to make the first connection with credit cards and then only use your smartphone to pay.

 

Cryptocurrencies or bitcoins

 

 Cryptocurrencies or bitcoins

Before this type of payment seemed very far from reality, but today there are already businesses and businesses around the world that accept the value of bitcoins as valid. And although in Mexico the market for cryptocurrency transactions is still low, do not doubt that in a short time it will continue to grow. Some of the companies that accept and operate in the country are: Dell, Shopify and Amazon. But restaurants or coffee shops are not far behind, as Café Punta del Cielo welcomed the bitcoins in Puebla. So it’s good that you’re preparing your business for a new payment method.

 

How would your business improve?

 

 How would your business improve?

Greater sales

 

 

According to the INEGI, only 32.2% of the economic units in the country accept digital payments and of the different types only credit and debit cards. The fact that you can accept digital payments will open many doors with new clients, since you would be facilitating the acquisition of your products or services and thus achieve greater and better sales.

Image

 

The image in a business is important, since it is what gives credibility and confidence to the client to be able to approach you and buy or consume your products or services, the more value your business has, the more people can get to know you. With accepting different methods of payment, you would be raising the perception that has all that audience that interacts with your business, because staying up to date generates that confidence and assurance that your processes and improvements are appropriate.

Customer service

 

Your service could be qualified as excellent, since your clients can ensure that you are always willing to offer them the best so that their experience is totally positive. They will also know that you have the appropriate technology and will stop worrying about the payment transaction.

Now that you know a little more about digital payments and are aware of what they can do for your business, decide to accept most of the existing methods to see results that will keep you moving towards the goals you have defined for your business.

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