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, installment move on. By forgetting the debt, you are released from bondage, and mortgage interest, because no one knows what will happen in the future.

At least, when suddenly your own spouse or ill, or no, you’re not being chased installments. If you really need something and it can only be obtained with debt, try to think and calculated again, if need be a thousand times, do you really need it. Try using this formula, IF NOT BUY OR USE THIS SERVICE I CAN DIE. If the answer is still not dead if you do not buy goods or services are consumed, means that desire is still to be deferred.

2. Easily satisfied
When you become a person who easily satisfied and always grateful for anything that belongs to, you are released from the temptation to buy goods or services that are not necessary. For example, our old mobile phones can only be used for calls and SMS, so what? Most of us use the phone a sophisticated, complete with Internet features, wifi, and so on, also never used. So, you should buy something that is consistent with your needs. Thus, in the end is not easy to be tempted seduction ads are very tempting. In essence, always looking for ways or the most appropriate therapy for yourself to appreciate what you have.

For additional tips, I tried to keep the credit card as far as possible when I’m at the mall. Know that the items in the mall always tease my eyes, I only brought enough cash. So as, if you stay a little cash and suddenly tempted nan pretty cool shoes, I had not bought for money in the wallet was a little (just do not come back again the next day, yes). Because after all, I’m just a normal cosmopolitan woman, born to love beautiful things and branded.

3. CREATIVE
Petrol expensive, so use public transport. Driving down the street traffic will only throw gasoline waste. Keep your pride, turn creative ideas, search for the most creative ways to make money lawful and pressing expenses. If you feel so expensive lunch, bring lunch. If the salary of a mediocre office, you can bring merchandise into the office (eg cake pastries, mukena funny, or work clothes. With notes, the rules do allow the office).

Or, if you normally Sundays hanging out in the streets and expensive coffee shop, joined a friend better selling in the bazaar. If you are good at marketing, why not sideline work to be a broker or agent (home office does not violate rules). That is, many a thousand creative ways that you can halal can get if you want just a little to maximize the creative brain. Do not wait for a salary increase that may never come. Better pick up the ball, looking for opportunities.

4. DISCIPLINE
The latter is a discipline with rules that you have created yourself. Imagine this, just because tempted by circumstances, you break a promise or commitment that has created itself. It’s like licking his own saliva. I accidentally created a parable that is a bit hard, because a positive cash flow, it takes struggle. Believe me, people who will work discipline, and the fruits of success would be very nice, that is the extra money could be saved each month, so you can more thoroughly prepare the education fund for your children.

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.

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” to assess the performance of a part of seminars and seminars fraud auditing, rather than working to meet the internal control function . Thus, the management strives to make a fraud auditing workshop untouched by internal audit, and even become impossible to find.

Typically, in addition to designing for internal audit activity has been paralyzed, a massive fraud conducted through the trick making multiple financial statements. The financial statements that have been manipulated, specially prepared for consumption by the auditors, while the actual report - the report truly describe the actual condition of the company’s finances - only distributed to the exclusive top management environment.

Massive fraud in pharmacy mor inc.

History records the case of mor pharmacy inc. In the case of fraud auditing workshop that was legend among the financial auditors. Mor pharmacy executives intentionally do fraud for financial gain entry into the private pockets of individuals in the top ranks of corporate management.

Pharmaceuticals inc number, including the largest retail companies in the United States bangkrupt declared in August 1992 under legislation Bangkruptcy us code

Well, to anticipate such things, there is little some tips for your online shopping:

1. Beware of shopping at online stores that use hosting or a domain name free.

2. When conducting order, make sure the online store has a phone number, and address clearly.

3. Consider the warranty goods.

4. Make sure that the item is sent in the warranty not the way to our address. That means we do not want to know the buyer with a loss of goods in the middle of the road.

5. Read the privacy of online stores that police.

6. Make sure that items such as clothing online that we buy according to our needs. So before you decide to buy something good, read the criteria and specification criteria such goods.

7. If you do transfer to Bank account number is on the point of the seller, so that processing speed, then add the numbers or odd numbers on the back of the transfer. For example we are asked to deposit money Rp200.000, so that we quickly know transferan please do Rp200.085.

8. Do not be tempted by the cheap prices even though the same brand used to check the store and consider the costs pengirimanya example: a store selling 900 thousand, 875 thousand b store but if it is outside the province b store and send more expensive fare and stores a 1 province can be calculated + shipping cost margins.

1. Choosing a health insurance products that suit their needs and abilities.

2. Knowing bonafiditas credibility and insurance companies targeted.

3. Need to know how much of his provider.

4. Studying the insurance policy offered a careful and thorough, given the clause listed in the policy usually use language or terms that are quite complicated, and printed in small letters.

5. If there is a less clear do not hesitate to ask for clarification to the insurance company.

6. As a consumer you are entitled to correct information, clear and honest.

7. If the insurance company has decided, and its practice is not in accordance with the agreement in the policy so that you feel loss, you are entitled to express their opinion and complaints.

8. If insurers do not responsive in responding to complaints and opinions, you are entitled to complain to the consumer agency to resolve between ourselves or through legal channels.

9. If you’re injured party proves the insurance, you are entitled to compensation, damages or reimbursement of eligible.

10. Presence or absence of representation in the country where you are experiencing health problems. Call it your having problems in Washington, the United States at two o’clock, and you should contact the insurance company in Jakarta, which at the time was at two AM, surely it will cause problems.

11. Choose a company that provides the best coverage at the lowest cost.

12. Warranty available hospitalization, surgery, help in emergencies through emergency road assistance and treatment.

13. There are no restrictions on election hospitals, doctors and pharmacies.

14. There is no limit region, the guarantee is valid in the whole world.

15. Reimbursement system which rapidly.

16. Is health insurance that stands alone or is the additional benefit of life insurance products.

17. What doctor (general / specialist), where hospitals and supporting facilities what health checks obtained.

18. Are there any inpatient facilities, outpatient care, eye care.

19. Is there a limit fees and exceptions for cases of critical illness, surgery or treatment of pregnancy and childbirth.

“The crisis makes people start to worry and they are looking for self-protection. Therefore, the insurance industry will grow, “said Managing Director of Life Eddy Artha Wana Berutu railway through seminars Insurance Opportunities and Challenges in 2009.

Eddy pointed out, as happened in 1998 monetary crisis, insurance premiums grew just over 30 percent. The reason is, when the monetary crisis, people worried about the growing unrest and start buying insurance products, especially life insurance.

The same thing also conveyed Head of Insurance Bureau of Capital Market Supervisory Agency Financial Institutions (Bapepam LK) Rachmatarwata Isa. He said the insurance industry growth is expected to occur in 2009 were also influenced by declining prices of premium gasoline.

“Next year the insurance industry a little bigger than can be done this year. However, I do not want to give the percentage of growth, “said Isa.

According to Isa, the growth will occur, but not so high as in 2006 and 2007. He estimates that, in 2009 the life insurance will grow larger than the other insurance.

It is also important to understand, kind of features and benefits provided by the health plan you purchase. In some cases, the health plan will be presented on health insurance benefits. For more detailed information, you need the help of your health insurance representative.

To help you make a decision among several health insurance plans. Here are some questions and tips that can help. Questions and tips will make your stay on your plan which was previously planned.

• What happened to the claim?

Planning a traditional health insurance requires employees to collect claims for reimbursement. How fast can claim handled properly?

• What is focused spending out-of-pocket?

Are there types of expenditures for health care different? Would be reduced?

• Are there any restrictions?

Know the services covered by health insurance plans that you buy. Make sure you ask about the limits of your health insurance coverage.

Do check with the insurance department in your country and look at every complaint that generally occur. Do check any insurance company that handles all complaints properly. Do not choose a bad company in the handling of a complaint. Good work!

Credit insurance usually cover the outstanding balance to, credit card holders are protected if exposed to disaster, and not billed again. Given the usual disaster:

a. If the credit card holder dies then the credit card bill in - insurance cover, so the heirs do not mess around credit card bills.

b. If the credit card holders affected by the accident to accident crippled for life that causes the credit card holders can not work anymore, then the credit card bills on - covered by insurance.

c. And if the credit card holder loses his job then insurance - cover credit card bills in a certain period.

To obtain more detailed information should contact the bank your credit card issuer, for each credit card issuing bank to work with different insurance vendors - so different from different services.

So, to get the perfect auto insurance service, there are so many things that you should consider. One of the most important things is the rate. You must get the cheap rates for the insurance. The other factor that you must pay attention is the quotes. You must consider the best auto insurance quotes that the insurance packages offer to you.

In the Autoinsuranceselect.com, you would be able to get the best insurance services for you. You may get the cheapest online auto insurance for your vehicle. So, whenever you feel that you need the insurance services, click the site and get it.