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In difficult times like this, when nearly all the price increases of goods and services, need a more creative strategy and mature in the education fund set up for baby. Actually, there are only two keywords, the positive cash flow and savings strategies. What is positive cash flow? The formula is simple, namely income greater than expenses How, when revenues do not increase every month, while expenditures increased due to price increases? Following strategies.

1. FORGET THE DEBT
By forgetting the debt, you are truly living according to ability. If it was not enough money to buy a car, so do not credit. If not enough money to buy a laptop, so no debt. Moreover, mild installment tempted to fulfill holiday wishes to foreign countries. Whew, finished his vacation, Read more…

If you take out, you have to pay insurance premiums every month. This looks like the money disappeared. But if one day something happens to your health, your medical expenses will be covered. If you do not take insurance, means you spend less each month. If you hit a time of serious illness (which cost tens and even hundreds of millions of rupiah), the cost of your own medicine. Well, why should you take insurance? Because the premiums you pay each month is not actually lost money. Rather, these premiums are an expense that must be paid every month. This concept is very common in foreign countries like the U.S. and developed countries in Europe. That’s why the population’s health is guaranteed. While we in Indonesia? The majority of people still think of insurance as being “not necessary”. As a result, so there is a disaster, the family will be desperate for funds. Debt here and there, selling this and that. Things like this will not happen if the following insurance, because insurance companies will pay, not you. Peace of mind, health guaranteed, happier lives.

Saving each month? Oops again … a lot of expenses. Engadget aja capture new car loan is difficult, more price rises all etc, and a million other reasons, when it started saving?

Saving money was actually very easy, if you know how. The following simple tips to save:

1. Set aside money for savings before you pay for other necessities of life.

2. Make savings as postal expenses. Enter the postal savings into the routine expenditure each month same as phone bills, transportation, and meals.

3. Have a special savings account. Separate accounts allow funds collected are not used for other expenses

4. Take advantage of auto debit facility from your salary account to the savings account. That way you do not have to bother to come to the bank or ATM to transfer or book-entry.

5. Save a dime. Shop only with paper money. If you get back the coin, put the money into a piggy bank. If you have full enter into your account at the bank.

6. Increase your savings deposit every time incomes rise. Every time you get a bonus or THR, set aside in advance to increase your savings. Likewise, when wages rise, the share of deposits also increase your savings.

Perhaps this question would be very unlikely, if fraud auditing is created by the management company. Meanwhile, one of the objectives of internal auditing fraud is precisely to find the deviation, whether the result of a deliberate misstatement (fraud) or not. Yet according to the report “2002 report to nation on occupatinal fraud and abuses” states that the internal audit activity can hit 35% of seminars and seminar fraud auditing.

Answer above question would be more difficult to find, when the top management plays an active role precisely by designing tasks in the company’s internal audit is the duty of the “merely” Read more…