Oracle profit of U.S. $ 1.3 billion

San Francisco (Bloomberg): Oracle Corp., software producer in the world's second largest, recorded little change in profit in the quarter after customers II to update the annual contract.
Recorded net income of U.S. $ 1.3 billion, or U.S. $ 25 cents per share, the same as the previous year, said the company based in Redwood City, California in this statement to PR Newswire.
Including income from the acquired companies, sales rose 6% to U.S. $ 5.69 billion in the period ended 30 November, the decline from the average of estimates collected Bloomberg.
Chief Executive Officer (CEO) Larry Ellison, 64, has spent more funds from U.S. $ 34.5 billion for the maker and a number of companies to add customers. This step provides a source of income for the Oracle contract from supporters.
The majority of clients automatically renew the agreement, which contributed to the profit even though sales to weaken the new products.
Not including the cost of acquisition and compensation, recorded a profit of U.S. $ 34 cents per share, in line with analyst estimations. They project sales of U.S. $ 5.82 billion.
Bisnis.com
12:32 PM | Labels: Business | 1 Comments
CBclickbank.com Money Flow Plan
There is no joining fee! There are no other hidden fees for joining. This program enables us to give you Internet business Tips very valuable and informative. You need to acquire as many as you can because you are being paid for direct and indirect referrals.
Members earn for every direct referrals and for indirect referrals. This means that you do not only gain money for every person you refer, but you also get paid for the referrals referred by your referrals and then for their referrals and so on, 15 levels deep. The above table is an example which demonstrates how your earnings will accumulate.
The example shows that you can make $167,422.89 by referring 3 people, but as we do not limit the number of your direct referrals, you may refer as many as you can and therefore earn quite a bit more.
your earnings as below:
Read More..
8:49 AM | Labels: Business | 10 Comments
GLOBAL THREATS
Globalization and free market are expected as the global effort to improve efficiency. Global trade to help many countries to develop more quickly. Globalization is also considered to make the developing countries gain access to knowledge that can not be obtained previously. Globalization is as if the progress that must be accepted developing countries, if they want to grow and fight poverty effectively. But for most people in developing countries, globalization does not bring the promised economic benefits (Stiglitz, 2002:6).
Globalization in practice, developing countries must pay for the welfare of the efficiency of the world's developed countries. South efficiency of the global fund for the benefit and progress of the North. Market failures or failure, market failure occurs everywhere, not only because of the conditional demands for the realization of the market that can be self-regulating is not met (because of the assumption realization of the competition-free for the formation of a pure free market is not proven empirical-realistic), but also because of the economic interests and nonekonomi that must be maintained and through efforts to distort the market significantly (Swasono, 2003:83).
Joseph E. Stiglitz
The increasingly wide gap between the rich and the poor has raised a lot more people in the Third World to become increasingly poor. In 1990, 2,718 billion population live with less money than $ 2 per day, whereas in 1998 the number of poor people who live with the money less than $ 2 per day is estimated to be 2,801 billion. This happened with the increase in total revenue in the current world average of 2.5% every year (World Bank, 2000:29).
World Bank Office in Washington
Globalization has not succeeded in reducing poverty and ensuring stability has not been successful. The crisis in Asia and Latin America has been the economy and threaten the stability of developing countries, even the 1997 crisis and 1998 is a threat to the entire world economy.
11:21 PM | Labels: Business | 1 Comments
Virtual Credit Card, for verification Paypal
Dear Netter,
You already know what that is a Paypal site that serves as a mediator of payment, or receive payments from other people.
Almost exactly with a bank, where you can transfer money from one account to another account.
Paypal in the service received more than millions of sites that sell products is a good goods, services, software, etc..
This, for instance you want to buy a software on certain sites, and sites seller accepts paypal as a payment, then you simply transfer the money only to the paypal account, to transfer paypal, you must have a paypal account first, and account paypal you must be verified.
To create a paypal account is not difficult, you just fill out the registration data with a complete and correct in accordance with the existing card in your identity.
To fill your Paypal account is easy, there are many exchanger, which receive the e-currency exchange. for example, is the site nanaimogold.com. , For example, you have the money in the account of Liberty reserve, e-gold, e-bullion, etc., then you can change money in your e-currency is a currency Paypal.
But even if you have a fund of 1 Million Dollars for example, will be free paypal account if you have not been verified. in karenakan paypal account if you have not been verified you can not do your funds to your account at the Bank Indonesia,
eg from paypal would transfer to the account at the Bank BCA you.
Besides, If the account has not been verified paypal, you can only transfer of $ 100 / month, more than $ 100 can not.
So that you verified paypal account, you must enter data to your credit card, for instance, the card number, date expired, ID Card, etc..
This is for the owner of a credit card is not a problem, but how do not have a credit card? Well, perhaps the explanation about the Virtual Credit Card can be the solution.
What is a Virtual Credit Card?
Virtual Credit Card is a credit card, the difference between this card is not shaped plastic, can not hold on, only the data that credit card information only.
For example, if you buy a Virtual Credit Card, you will only receive information, such as below in your email:
Card Number: 16 digits
Expired Date: month / year (month / date valid card)
ID Card / CVV2: 3 digits
But although Virtual credit card is only the form data, the information is functioning as you have a real credit card, with the notes you only use the Internet only, if at the mall - shopping malls, real shops, gosh you can catch in the satpam, cooking pay card use virtual one.
This virtual credit card you can also use paypal for verification.
11:08 PM | Labels: Business | 0 Comments
Insurance What's We Need
Quoted from Tabloid NOVA No. 787/XIV
Human plan, but God also determine that. This expression is commonly heard, and we may also have been there since the days of yore. If the snow did we, the phrase is actually contain a hidden message: life is full of risk. What? Many, Mr.-Mother. From the small risk, such as tepeleset in the bathroom, until the risk of loss of property, members of the body, even death.
The question now, whether we should assign only, or in fact do the best preparation for the guard in case the risk is to arrive. As financial planners, of course, I recommend the last option. I mean not to invite you to think pessimistic, but otherwise seemed to invite you to think far ahead. There are many goals in front of it you still want to achieve. Therefore, in achieving the objectives before, you should also prepare ourselves facing a number of risks that may occur.
One of the anticipated risk that you can do is to take a number of insurance. Here I will inform the various risks that may occur to you, and manages to insurance.
1. Death
The risk of death can occur at any time without the blue. When the die is a kara, certainly not a problem. Repotnya if the death is still have dependent children or other family members. How would they? From which they can eat and pay school fees?
If you currently have other people whose lives you responsibility, of course, the life insurance should be considered. If there is life insurance, the people you leave behind will get some insurance money that he can use to pay for his life. So, there is a third party that will "keep" the people you leave behind.
There are many insurance companies that provide this service. All strive to provide the best service with a variety of other cajolery. You need not hurry themselves or close vote. Use your time to qualify a company which bid and provide the best service.
2. Accident
Wherever you are, the risk of accidents would still exist. Your plane, train, ship, little chance of any kind always there. In fact, there are incidents of people running in the open field suddenly fall aircraft. There is also a bus had hit a home nyelonong and mencelakai of the residents are sleeping.
What happens if you have an accident? You will usually be taken to the hospital. You also will stay if the injuries you need treatment long enough. The worst result, your disability. Can be one of the organs of the body or you do not work. As a result, you can no longer work and earn money.
Therefore, Mr., Mrs., to anticipate the risk is taken only accident insurance. Insurance, accident insurance provides money when you have an accident that should be treated in the hospital Inap, experienced disability or even death. Just as the death of insurance, there are many companies that offer accident insurance. Generally, they provide an affordable premium.
3. Ill
Pain is expensive. If you get sick, at least you have to go to the doctor so that there is a consultation fee you must pay. Not to drugs, and if Inap treated in hospital. Yes, if there is money. If not? Some hospitals are now requesting advance before you enter treatment. Yet again if you need an operation.
To guard from this situation, you can take health insurance. Compared to some years ago, now more and more insurance companies to sell this product. There are products that provide a replacement hospital alone, or the replacement of hospital outpatient reimbursement plus, plus drugs also. Now, you live alone determine the best options to suit your needs.
4. Music of the House
Recently we witnessed frequent occurrence of the fire. Both the market, office or residential. Now, if it falls to befall the house you live now, imagine what will happen. Repotnya, not all people have enough money to rebuild their houses affected by landslide, so many that eventually must stay at home brother, or more Apes in emergency tents. For this kind of landslide insurance is also available. Usually, the price is quite affordable.
5. Music of the Vehicle
You have a car or motorcycle? Your vehicle is also likely to have accidents. Now if only this drive, can be almost the only other vehicle memepet-mepetkan problems light to my vehicle. And it happened almost every day, especially in large cities. Even have to drive carefully can still be victims due RADIO other drivers who do not know the rules.
When the risk of accident is quite big, harmless to car insurance. Furthermore when the vehicle is to support you in search of sustenance. When you asuransikan, when the damage occurs, the insurance company who will to bear.
In conclusion, there are a variety of insurance that you prioritize. Then you can determine whether it needs to take some or all of need. You know the exact condition of your self.
10:32 PM | Labels: Business, Insurance | 0 Comments
Knowledge Commerce
Public Internet increasingly rampant, a small investment with the possibility of a quick ROI in just in asosiasi-warnet@itb.ac.id. Presence Garnet & Internet Service Provider (ISP) in Indonesia is very important for services on the Internet such as online media. Without access to the Internet users will Die services on the Internet. But things such as his other business access, ISP & Garnet is a business with a marginal profit. Bundling with other services that will support the overall business access.
Services on the Internet no less rampant - the lack of regulatory information memarakan online media in Indonesia, in addition to the print and electronic media. Detik.com online media, golly! Com, etc. are true. Add more vibrant world Matt assisted with media penetration of the press and publishing partners, such as campus kampusonline@egroups.com, angkringan@egroups.com based peer students. Also on the unforgettable colleagues AJI, which adds a lively coverage of independence.
Of course, here we are talking data, facts and information. Data, facts and information in komodity peers is a very hot (perhaps even most heat) if we see a high online media. Clearly visible in the cache server at the campuses will be places online media on top of the ranking of web pages most frequently in Internet access by the user in Indonesia. Hit rate higher stock prices helped the online media.
Trade materials and services are also not lose interest in e-commerce, e-business to attract many actors around in it. Lippo-e-net and equivalent institutions start moving with his roadshow to form a community. It has not been set but online media is quite promising.
If the note is in the business / business access followed by the material transactions, data, information thereon. With the simple logic, there should be strata transactions higher than simply the material, data, facts and information. Strata knowledge (knowledge) and the last Wisdom is not usually traded in a vulgar. Both the strata is higher than just data, facts and information.
Many are not yet a portal "transactions" knowledge, traditional forms of transactions are still done as a consultant as mckinsey.com, ac.dom, forrester.com. Or in formal academic education, such as distance, which is also currently still done the conventional. Platform for Internet-based information technology allows the acceleration of the transaction information and knowledge - this platform should change the paradigm of the learning process of empowering the knowledge that for at anut this. Fast or slow disintermediasi will occur in the body accreditation audit & accreditation process so that brokers and the audit will be directly by the people. Evaluation accreditation audit knowledge will be someone from a person's ability views in a transparant by the public, assisted by the electronic media, in a simple transaction domain knowledge implicit, explicit in the Internet-based platform will eventually allow the public to performance audits done by someone easily. The concept of a diploma, accreditation, the state exam to become blurred - do it all? In the e-Millennium platform that enables society audits occur?
Knowledge commerce become a hot commodity on the accreditation body disintermediasi & audits occur and the amount of the existence of large mass of people versed in the platform that allows information society audits occur. Knowledge management will become the main gateway in domain knowledge commerce; different online media portals that we know this. Portal knowledge management must be able to process transactions between the implicit knowledge of human interaction through media such as mailing list, to the knowledge explicit form of documents, research results, which are integrated in the digital library, and the last of the potential in the form of the results of the analysis of raw data and the spread of various information. Embryo knowledge commerce has actually looks like in the digital library by the ITB team led by Ismail Fahmi (digilib@itb.ac.id) related to the network of 20 libraries, knowledge management initiatives are also supported by the Telecommunications Research & Development Foundation of Indonesia (YLTI) .
Dr. Onno W Purbo
7:53 PM | Labels: Business | 0 Comments
Borrowing for the Better
Borrowing for the Better
Borrowing money can seem like a rather scary prospect. Especially if you are a young homeowner, or a recent graduate still paying off debts incurred by student loans and the like, the idea of taking out more money again in order to simply survive is intimidating to say the least. And given the current economic climate, it can also seem a little unstable: are we really ok to be borrowing money that isn't ours from banks with unsecured financial deposits in offshore accounts and international lenders also dangerously flirting with collapse?
It is a devastating catch 22. Many of us need such loans to secure a house, a job, and bring in a steady income; yet it now seems that these loans themselves could be a liability, not to mention an expensive enterprise which demands huge interest on the returned instalments. Whether you are an economics whiz-kid or a complete financial clutz, these questions have never been more pertinent.
If you do find yourself in the position where borrowing money seems to be the only way out, make sure you find the right lender, and the right policy. There are generally two types of loans: personal, and secured. A personal loan is usually a relatively short-term hand out of up to about �20,000 pounds, with less financial guarantees required in order to obtain them. A secured loan is for over �20,000 and normally requires the applicant to be a registered home-owner: that is, assuredly financially sound and active.
First things first, then, sort out what type of loan you need. Then scout out the differences in offers available from various UK lenders. The best point of comparison is on the typical APR hefted onto your instalments as the interest paid back on the original loan. This is usually higher for secured loans than personal ones as, understandably, the amount loaned is a lot higher. Further, you might want to do some research into the investments and associated clients related to your lender. An example in the UK is Alliance and Leicester, which is backed by the Santander group, and offers APR 8.9% on personal loans and 10% on secured loans. But before you sign anything, couple your online research with a face-to-face chat with a member of staff for peace of mind alongside your financial security.
Article Source: http://www.articlesnatch.com
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11:37 PM | Labels: Business | 2 Comments
Safe Assurance with Unsecured Loans
Safe Assurance with Unsecured Loans
It is an uncomfortable paradox that in the current economic climate, in which recession threatens and the most basic utilities and grocery costs rise unpredictably, the average citizen seems caught between a rock and a hard place. Borrowing is on the increase as banks and regular Joes alike find themselves short on savings needed for mortgages and regular expenditure; yet at the same time many see over-active borrowing as a potential root of the economic problem, as well as a financially insecure dalliance with money that may never come back to the investor.
So how to ensure that you negotiate the tricky obstacle course of lending and borrowing, without ending up even further entrenched in debt and financial struggle? If a loan or mortgage is inevitability, the best advice is to ensure that the bank you choose to borrow from is as secure as possible: that you know where your money is coming from, and how it will be coming back.
This kind of guarantee is hard to come by, but at the moment it does well to keep an eye on international markets as well as local British banks. Whether you read the finance sections of the newspaper or not, you will probably be aware that, aside from nationalisation and government bail-outs of the UK's major banking companies, there are also several takeover deals being enacted by European and international conglomerates in a bid to shore up the damages incurred on Britain's high streets.
One such company is Santander, a Spanish company which is proving a major stronghold amidst the current turbulence. Keep an eye out on its British outposts if you are looking for loans: Alliance and Leicester is one of its recent acquisitions, and is also one of your safer assurances when it comes to borrowing money. Whether you are after a small personal loan of up to �20,000, or are looking for a large secured loan of between �20,000 and �100,000 pounds, their rates prove competitive and stable. And if you are already a mortgage holder with the company, you could find yourself with an APR rate which is much easier on the bank balance if you decide to take out a further loan. After all, in times like these, it is better to be safe than sorry.
Article Source: http://www.articlesnatch.com
11:33 PM | Labels: Business, Insurance, Loans | 0 Comments
Steps To Risk
Quoted from No. Tabloid Nova. 639/XIII
Risk is all that can happen in the man himself is not to happen. Every human being has the risk of what he is doing. In addition, human life itself also contains many risks.
There are some risks that can be avoided, and there is some risk that can not be avoided. Examples of risks that can be avoided is the risk of accidents or the risk of theft. While the example of the risks that can not be avoided is the risk of death.
The effects of risk often cause large losses. Whether the loss of the psyche, as well as losses from the financial side. If your house falls to the fire, then you will experience financial losses in the amount equivalent to the value of your home when the fire occurred. Therefore, it is important for you to anticipate every risk that may occur on yourself.
MUST BE NO INSURANCE
Hear the words anticipate risk, your mind may be brought directly to the term "insurance". In the science of financial planning, the purpose of insurance is to protect the (beauty) you from financial losses arising from the occurrence of a risk. For example, you may not be able to avoid the risk of accidents on yourself, but you can protect their yourself from financial loss arising from the accident.
Are all the risks that can happen to you need to be insured? The answer is not. For example, shoes that often you have the possibility to use stolen lost. But what I will assure you your shoes? Likely not. Why? This is because if you lost your shoes, the number of losses you may not.
As if you have a house fire, the financial losses that may arise can be enormous. That's why you need to take fire insurance for your home.
Options to anticipate such risks, called the Risk Management. For convenience, I call this course as the anticipated risk. In writing this time, I will show you how you can anticipate the risks that can occur on yourself.
DIFFERENT OPTIONS
Financial losses can occur when you experience death, accident, illness, or if your property lost or damaged. Sometimes, financial losses can also occur if you have legal claims from third parties, like when you bump up to other people injured, and you are required to replace all of the cost of treatment.
Now, what options are available for you to anticipate the risk? We assume you are required by your boss (or anyone) to bring a package with the use of vehicles, from city A to city B. However, the situation of street bustling threatened to create your risk of accidents. Therefore, there are a number of options for you to anticipate these risks:
1. Avoiding Rrisiko. You can avoid the risk of accidents. How, do not drive. But the consequence, the package will not be sent.
2. Facing the risk. You can drive and take the package as normal without the need to be careful, and you accept the consequences if the true risk of accidents happen
3. . Reduce the Risk. You drive and bring the package, but be careful in the drive. Thus, the risk of accidents can be reduced.
4. Risk share. Package that you must take two shared with your friends. He brought some of the package in a different vehicle, so have you.
5. Risk transfer. You ask your friend, telling the whole package.
Well, now we try to anticipate practical theory of the risk. For instance we only want to buy your house, but like the other houses in general, the house that you buy will have a risk of fire. For manages, the options available to you is:
1. Engage home alone, do not buy (to avoid the risk).
2. Buying a home, and the only risk is, where you hope that the risk of fire do not occur (the risk).
3. Providing a tube fire in your home (reducing risk).
4. Delivering some losses on the other hand, if you have a house fire (the risk).
5. Transferring the entire loss on the other hand, if you have a house fire (risk transfer).
Options fourth and fifth above that we know with insurance. This means that the insurance can be a party that you serahi loss when you have a risk.
Decision making
Once you know what options are available for you to anticipate the risk, then your next step is to write the risk of what may happen to you, and the choice of what you will use to manages. Below are the steps:
1. Know your risk
2. Consequently, risk evaluation, when it occurred.
3. Take a decision on what choice you will use to anticipate the risk
For example, the risk that may occur on your self is death, accident, sickness, falls on the vehicle, falls on the car, lay, and can not work. Therefore, the steps are:
1. Know your risk: death.
2. Evaluation result: Cost of living that your family will not leave due.
3. Take the decision:
1. Avoiding the Risk: In this case it is not possible to avoid the risk of death.
2. Facing the Risk: Can only, with the consequence that the cost of living will not be due to family
3. Reduce Risk: Risk death can not be reduced
4. The risk: Submitting a part of family life on the other hand you when you die
5. Transfer of risk: Submitting all of your family life on the other hand, when you die.
It is up to you, a decision which would be retrieved.
After you take the decision to risk one, then repeat these steps for the risk that the next (like accidents). So forth. So now you have a program already anticipating the risk to your family.
10:35 PM | Labels: Business | 0 Comments
7 Causes Currency Insurance Not In Pay
Quoted from No. Tabloid Nova. 744/XIII
Insurance? Ahhh ..., I have the neighbors often, did offer insurance. But I was interested in baseball. It was their promise and I ... "Yes, some of you may think that it can provide insurance promises without any evidence. However, if you have to prove? If not, perhaps you should first take insurance, to prove whether the new Insurance Company (PA) that you refuse or promises, including that good.
PA cases that promise should be disbelieved cases per case, do not digeneralisasi. That is, not only because of a PA does not fulfill the promise, and you assume all the PA is based. No dibayarnya insurance money by a PA can be due to many things. So, this article will discuss what are the causes of the sum of life insurance is not paid to customers.
ERROR FROM THE Customer
Not all claims due to the failure of payment by the PA. Can also cause the customers themselves. Generally, there are five mistakes that can cause a customer The money is not paid by insurance:
1. Customer Dishonesty
Before a person has a life insurance product, he must first Mail Application (SP) Insurance. In the AL, there are questions that must be answered by a prospective customer, and from the answers that the PA will see whether it will provide life insurance protection to you or not.
Now, this is the time to fill SP prospective customers often do not provide the right answers. For example, in the AL, there are questions about whether you have been treated in hospitals in the last two years. If you answer no - at the hospital had treated six months ago, for example - when the deaths occurred in the PA and you find that you are the cause of death because of a disease that never make you enter the hospital about six months ago, no ... hope that the PA will not pay UP that they promised.
2. The existence of exclusion by the PA to pay the sum
Sometimes Life does not give the PA the benefits that they promised when the cause of death appeared to exclude you (and the exception is written in the policy). About this exception, generally the PA set number of exceptions that vary. However, generally is:
1. Death due to suicide
2. Death because of the conduct criminal offense
3. Death due to AIDS
4. Death due to critical illness, where the death occurred in the first year he was the insurance program from the PA concerned
5. Death due to force majeure, or things that can not be avoided, such as war, natural disasters, or the hurly-burly
So, often the exception, there are exceptions in the police is not read by customers, so it felt injured when the sum is not paid by insurance. Therefore, if you have an insurance policy, sempatkan again to read the articles in the existing policy.
3. Customers too long to submit claims
Generally, the PA set a time limit proposed insurance claim. Typically, the time limit set is three months. Repotnya, customers often claim outside the time limit, thus fulfilling the PA difficult.
For example, your husband to follow a program with the Life Insurance as your beneficiary. When death occurs in your husband, then you can only get insurance benefits that were promised when you claim the proposal is still in a time of three months after the death. If not, insurance companies may not want to provide the benefits that they promised.
Now, you can know how long the time limit given by the PA to submit your claim in death? You can read it at your insurance policy. After that, if it really happens risk death, all claims submitted to the PA.
4. Terms of the proposed claim is less complete
PA usually ask a number of requirements when the proposed claim occurred when the right people at risk of death by. The requirements that often are not fulfilled or completed by the heirs customers, so the PA certainly can not directly pay their claims.
Typically, the requirements demanded by the PA if you want to submit a death claim is:
1. Death Certificate from the RT / RW local
2. Letter from the Police Accident description (if death occurred because of an accident)
3. Certificate from the hospital (if death occurs in the RS), where the letter was signed by the doctor concerned
4. Filling in forms of Claim issued by the PA
5. Photocopies of identity Heirs
So, if there is the risk of death, do not forget to meet all the requirements demanded by the PA. Call difficult, huh?
5. No dibayarnya premium by customers in the time period specified
This is clear. If you do not pay premiums according to a specified period of time, can become your insurance policy does not apply anymore. This means that you no longer protected by insurance. This is often the case. In the beginning, customers pay a premium diligent, but at a certain time, the premium is no longer paid, even up to a certain time limit. This is just the same as if you use electricity and do not pay it in a certain time limit, so the electricity in your house threatened disconnected by the PLN.
Therefore, make sure you know your premium payment rules. Do not until your insurance policy does not apply to become only more turbulence you forget to pay premiums on time.
ERROR FROM THE INSURANCE COMPANY
Apart from the customer, not dibayarnya Insurance Money can also be caused by an error caused by the PA PARTY. There are actually several, but the public occurred only two:
1. Dishonesty Insurance Agents in the present insurance products
Insurance Agents can you honestly not present in the product's Insurance. For example, when met, he said that the PA will pay UP Insurance if death is caused critical illness, including when the risk occurs in the first year. In general, is not the case.
Indeed, the PA does not have the same policy. So my suggestion, what you see in your insurance policy that should be used as a reference, not from any of Insurance Agents. Generally, the PA to provide such Money Back Guarantee if you had not satisfied the articles listed in the police. You can restore the polisnya, and your money will be returned. Of course, during the refund policy will be in a certain time limit set by the PA, which is usually 30 to 90 days.
Then, if all Insurance Agents can not be trusted? Yes, baseball, folks. That, to return to the people. Do not turbulence there is one agent who 'baseball drama,' and then you equate all insurance agents in this world 'but never'. Once again, it all back to the character of each.
Now, to prove whether the presentation given by Insurance Agent, you only live match with the Insurance issued. When the same, the insurance agent that you can be honest and trustworthy. If not, he reported it Insurance Company on it.
2. The company is recalcitrant
If you meet all the requirements asked, to fill in the SP honest, diligent pay a premium, sending the proposal of the claim still in the time period specified, but your claim is also not paid, try to check again. Only company that can be undisciplined.
10:34 PM | Labels: Business, Insurance | 0 Comments
Tips & Tricks Google AdSense for beginners
I have not apply Google AdSense (GA) is often denied or apply in adsense, may start with English-speaking diwww.blogger.com Blog - Update at least 1 - 2 Month OK if the new GA apply.
This step is a 90% likelihood of success with a note of your site is not illegal site (hackers, porn, download Crack), and others, and the site should also be updated frequently in regularly. Blog is free and fast solution, rather than netter domain or buy out the money for hosting. After his public blog, buy domain solutions can be done, and bloggers to provide facilities for it.
The site should netter English-language learner if Indonesia or mixture will usually rare out-text ads, Google, with 99% out of service ad (but can diakalin violate TOS - Terms of servises) unless the site has annual netter (more than 1 - 2 years) new ad out that if the Indo mixture can sometimes Indo and also English and sometimes can come out "ad services."
Never you mencurangin Google because sooner or later, netter would be discovered. Read the TOS before because every 3 - 6 months once the new provisions there is certainly a day I see more and more complicated ... 90% of the GA would have been cheating to make good on intentionally or not, most often in foul will tire, if the most rare diperingatin first.
I want to increase traffic to the site can use free ways:
- List all the sites in search engines, particularly Google, Yahoo and MSN (do every 2 Sunday)
- Tukeran links / banners with fellow site
- Send e-mail to know, I know it (do not spam) or put the signature in your e-mail
- Use the signature site netter when posting in the forum
- Mailing lists can sometimes help (also do not spam)
- Update site and create interactive and informative so that the interest for the incoming
- Perform any origin do not SPAM does not violate TOS & GA
Alternatively netter must pay with a prominent banner in the other sites, which according to your taste with what you promote or pairs with Google AdWords. Never pay sites that promise thousands of visitors because the traffic is only temporary and is prohibited by the GA.
Do not make spam netter in any campaign for the site because spammers be among the virtual world, and that spam is usually bad reputation and there will be increased traffic, albeit briefly, but for the long term will not had a good, and the site will be netter in the "blacklists". Do not be so annoying because the Indo netter have been labeled with bad reputation in the Internet as a netter contentious cracker, pirate copyright, nipu own nation and the last start-SPAM loved hobby.
Netter can affiliate with clickbank, or Amazon's other nambah revenue for your site. Position the appropriate placement of the ad, view sites and often in the news update can also make a profit apart netter
Should have the site netter. Com or. Net (not free domain such as. Cc, or berakhiran.info, etc.), albeit in the first blogger (blogspot) enough help from Google. This is because in the web world is very competitive, and many use the sites were not. Com or. Net rarely enter the top ten ranking except netter find words for it's unique, or netter very informative site with news provides a useful for many people. If they take so long to be in the top position except netter advertise the site.
Netter should have a hobby to write articles, because not only netter site contains information taken from other sites, and rating sites will slow the increase. Even if netter taken from the site and other people continued edits and in-the-perbagus, please cantumin source, because this is a code of ethics journalists. Our articles on the Internet also often dibajak netter without mencamtumkan other source from where.
Study sharing and mutual respect fellow netter, if netter including those who like to make, no, please reduced and removed long time ...
This last is the most important "never surrender", because all people and I also start from zero. Everything there is always the outset. Learn, learn, and learning is the key if they want success in this field, and I still do to this day
Source: ketok.com
9:57 PM | Labels: Business | 0 Comments
What are the key success of Adsense?
During several months, google adsense has become a hot discussion in several forums, discussions and newsletters on the Internet. Already there are stories about people who become rich and generates millions of rupiah with the only working from home. It looks like Google AdSense has dominated the internet marketing business and become one of the easiest ways to make money online.
Key adsense success is placing ads on web pages that have high traffic keyword with a combination of the most sought. The higher the price per click, the more money we can from the clicks that occur in our web site. Of course, we will get a little money if we ads targeting the low price perkliknya especially if the ads we place on the web page that few visitors.
Now, almost every day millions of people already online and there is that they "click" every day, it is not surprising if you see a program that quickly Top.
1. Increase our site visitors as much as possible. The goal, adsense ads we will work more effectively and will generate more clicks, which means more money is generated.
2. Place adsense links on the page or not generate little profit. By placing adsense on the page will reduce potential losses due to shifting kesitus other visitors.
For the study while still working, 2 factors are actually a good way to get revenue from the sites that have traffic (traffic) visitors level. Most people use this strategy to generate money through adsense. Google adsense also provide benefits for sites that contain information that focuses on providing content for free to its visitors. Now they can meraup money from the service they provide. With so many techniques have been developed to produce the easiest way to earn money with google adsense, it is not always wonder if google adsense mempoles update and to maintain the image that already exists.
AdSense allows us to have more than one site, so the opportunity to become better and generate revenue that is not counting things that are not impossible.
Even the features provided adsense can spoil if the owners of the site, including: we can mem-block keywords perkliknya low prices and otherwise be mem-block ads are our business competitors, so that their ads do not appear on the site.
With google adsense, opportunity is not limited. Therefore, many people who "take advantage" from the convenience of getting money in Adsense. If you try ways negative in the learner adsense, is not impossible to stop forced google adsense program. If this happens, then we will return to the old way in about marketing that is not easy money adsense.
12:48 AM | Labels: Business | 0 Comments
How appropriate money from adsense
You never even heard the news about someone who has thousands of dollars from google adsense? Have you heard the story, although its CTR-10% but generate $ 1 - $ 5 per click? We hope you can disclose how they can do trersebut and began to generate money from the adsense? If Yes, be prepared because I will show how it can happen ... ..
Google adsense advertising program that is very exceptional because it involves a very large network and millions of websites. This program originally designed only form of text ads with variations in size, but has now penetrated the ad is an image. The form of text ad that has shown success because kerelevananya to content / subject that is displayed from a site.
Google adsense also one of a very powerful weapon for the website publisher. Because he can juggle the site into the engine generates money easily and if used properly it can generate income that is not small. However, if we do not use it properly and to generate maximum income, the same as we merelakan pullout of money that is available in front of the eye.
To maximize our revenue adsense, there are 5 things that we need:
1. Format and the appropriate placement of the ad.
2. Target keywords (keyword) of value.
3. Some content may be appropriate to the target.
4. Fill relevant sites.
5. Monitoring of statistical give a good google.
The exact format of the ad.
Basically, to generate money in adsense is how to increase the click through rate (CTR). What's the point of so many visitors to the website or keyword that we have earning-per-click it is very expensive, but there are no visitors to click our ads.
So, to maximize the CTR, there is the 5 rules that must be done:
1. Use ad formats that performance is better than the other. Use the format 250x250 rectangle.
2. Place the ad location and the appropriate page, and the best sites we (not a place that is normally used in general, the publisher).
3. Use the right combination of color, this will make visitors feel interested.
4. Make a background color ad with the same color pages, or may earn semirip.
5. Make your ads without border (limit), by downloading a border color settings like background color ads.
Keyword
Words appropriate for the page that is adsensenya is important.
Because advertisers (adwords) pay only on particular keywords, and some keywords have a value that is very expensive compared to other keywords. If the subject that we discussed on the site is that it is only, and keywords used are not valuable, then the ads appear any ads that are low in value.
Content
Writing rich content that will be targeted keywords that are very important, and it is advisable to write the content as every day. But the road to a smooth start in adsense, we need to have thousands of articles ready for publication.
(Free translation from: How to start sharply in the Google AdSense earnings.)
12:43 AM | Labels: Business | 0 Comments
Executive Lifestyle in the World Cyber
Nerd, tousled look, less sleep, rarely shower, hangouts day in front of the computer,
bercelana jeans or shorts and T-shirt shops for perhaps a clue
most of the people who work in the virtual world or the language of his cool-world
cyber. In the free thinking, free in the work, not tied to a particular office,
one institution that is clearly a characteristic pattern of thinking and work of the executive virtual
it.
Is this true dilapangannya? I will try to depict a little
I experience during at least one more year to be retired civil servants, pensioners
ITB lecturers who do not work everywhere, not working on who-who, except for
community and all done from home, without institutions, without the side issue of
little importance any company, without salary, without a clear revenue.
Maybe some people from the shadow of the executive workers in the virtual world there
truth. True, there are many alternative pattern think that because I do not bind the
once by the same structure, by the company, by any institution. Themselves and how
see the problem will be very different with friends in a bind by the policy
institutions, government regulations, the desire to move up, down and afraid to lose
all powers not to be relevant. At the end of a cyber workers, working &
work for many people not only for themselves, but need to
many communities. How that his work, living beneficial for the community
much.
The pattern used by the cyber community in the work actually very simple
once, all based on trust (Trust) among fellow community members. Kate
believe (trust) can not happen overnight, all happened in slow -
Coffee land through a process that can take months and even speaking
for many years. Coffee this process, carried out in very haphazard effisien &
cost-effective and carried out every minute, every hour, every day without know tired
through various places electronic discussion on the Internet, known as the mailing list.
One of the places the discussion on the Internet to become the favorite for most netters
Indonesia is http://www.yahoogroups.com serving tens of thousands of netters
The history of each other at any time.
Mutual security, trust is generally followed by discussions
physical, physical communication via phone and various physical meeting. Because
at the end of the meeting remain in the physical need for more convincing that again
the opponent we are talking really can trust. Do not be surprised if the frequency of
physical meeting friends netters this was much higher than colleagues
that does not use the Internet. As an illustration, at this time friends activists
the National Movement on genetika@yahoogroups.com as Heru Nugroho, RM
Roy Suryo, Mas Wigiantoro, Sumitro Roestam etc. ... including my haphazard, almost
be a lot of time spent in travel-travel to many
friend in the whole country. Many spend a lot of pains to his phone
talk to one another. Many spend the time to meet, discuss
with the many friends that we know this only on a computer screen. Thus
increasingly active in our mailing list on the Internet, the more often we will be traveling to meet
home / land together with fellow netters other. Because the development process of Trust
These meetings should occur through the physical. Indeed, our style meeting
family usually very, very simple as the old friends that
meet each other.
Various business and the business will happen to own it after the mutual trust
(Trust). To know each other strengths and weaknesses of each. Fill in for each other
achieve the same goal.
Perhaps as the art world, there are times when we work separately.
But there is time to work together to build a large paper. All
based on trust (Trust) and the freedom to think and to create. That is
an overview of cyber executive who was also an artist technology
information.
Dr. Onno W Purbo
7:49 PM | Labels: Business | 0 Comments
Reality Technology and Business
The technology is intended to increase efficiency, reduce costs, and increase output (output). However,
it was not always in line with reality. Meletusnya still remember the Internet bubble,
development of the aircraft manufacturer that fails, the failure of some of the implementation of 3G, and many more others. <
that many more still and 3G, the implementation of the failure of some failed, the aircraft factory of the Internet,
meletusnya remember the bubble with the reality. in fact it is not always the hope, however, (output).
output increase costs, reduce efficiency, to be>
Judging from the development of technology, things on the actual development of a technology that
quite interesting, but the business had different results. Many factors that determine success
the implementation of technology, from the cultural community and the readiness to packaging technology in the
mengomunikasikannya to the market.
Mobile telecommunications sector is one of the areas that experienced the development of technology that is
fast. If we note with the attendance of the services offered by the operator, the birth of various new services
very quickly. Meanwhile, if we see the emergence of cellular phones in the market, the average phone market leaders
mobile (phone) issued a 8-20 new type of mobile phone each year.
This means, how rapid technological innovation is happening. One of the development of technology in the world of cellular technology is
messaging (sending) from the SMS (short message service), EMS (enhanced message service), and the
are now frequently promoted the cellular business is MMS (multimedia message service). Attendance
MMS technology can be considered as a messaging technology revolution because of the conditions which can only be
send a message form of text, images and ring tones or simple, it can also be used to
send photos, moving pictures, ring tones and more complex. This should be of the with the
creativity higher.
MMS technology is expected to replace the position of the SMS later. However, it looks like it will be realized at the time
MMS tariffs are cheaper SMS rates approaching, the device also has ponselnya affordable for the middle
(around Rp 1.5 million), and inter-operator can be done. If the total MMS traffic in Indonesia (provided by the
two operators) around 20,000 MMS per day, it is necessary once the strategy to encourage the use of MMS
This can be offset so that SMS traffic is more than 15 million per day.
MMS traffic on a condition in which the current MMS tariffs are still free, so it is very possible
will increasingly be down when the tariffs. This data is Ovum, a consulting firm and survey, estimated
that around 2006, the number of SMS users the world will begin to decline (from around 1.000 billion per year),
while users of MMS will rise sharply (over 350 billion messages per year) in the same year. And, about 3-4
years and then will be possible to have the same amount. However, whether it will happen in Indonesia
range of time?
One of the strategies proposed to encourage an increase in revenue through the MMS service is to
to bring the various applications that can trigger the use of MMS, so we will have the justification that
implementation of MMS is not just to maintain the prestige that in turn can make us as
the victims of technology. However, the implementation of this technology is feasible because it has high demand.
Currently we have been able to get the various mobile phone, MMS learner with a price range of Rp 1.5 million, and it seems
industry and the phone industry of the information and communications technology has reached economies of scale
so that the costs incurred will be more affordable in line with the development of the time. However strange phone tariffs
still continue to rise. Thus, it is expected that soon will be available more affordable mobile phone MMS
the wider community. Attendance MMS along with several new facilities we can make various
applications more attractive.
There are many applications that can be built using the platform of MMS, among other telemetry applications. If
before we get the information only if the form of text using SMS as a medium, for example, the data
engine temperature, can now also get information about the form of graphs temperature changes in the
a certain period.
MMS can also be used for monitoring application. One of the applications developed by local company
Jaya is the I-net mengombinasikannya with a CCTV camera. If the camera is mounted on the house, where
child care, or roads, with the connection on a server computer a simple form, then
anytime you can know the information home state, the condition of children in child care, and the conditions and
cross roads that are not only the form of text information, but also the image or images that will be sent in
automatically to the phone via MMS. And if you are in office, we can access the server through the Internet.
Currently, communications technology, which is also rampant, or Wireless Fidelity technology that often many people
known as the Wireless LAN. In Indonesia it may be a new start developing with the emergence of several locations
access or often called the Hot Spot, which is then combined with cellular technology, and GPRS.
Thus, in the area outside the Hot Spot will use GPRS to access their Internet access,
but it will automatically switch to the W-LAN connection to enter the Hot Spot, which offers speeds of up to
512 Kbps.
The question is now whether the development of Hot Spots in many places have economic value to the
and can offer various new services to encourage the growth of profit? While this is the time for us
to not only consider the ARPU (average revenue per user) to the performance of the service, but more precise
if we consider the AMPU (average margin per user) because it is possible that its ARPU up, but after
with the reduced cost required to bring these services had cost more than
revenue obtained.
And vice versa, if ARPU decreased sure whether the company is loss? Not necessarily! Because
possible to occur due to prepaid card users meledaknya the revenue contribution of each low users.
And, because the number of lots, then the results will affect the average, where the number pembaginya
with a large presence in high technology, cost of implementation to be down.
Thus, despite its low-ARPU, but for still greater than the average cost
required, the operator will still speculate. Therefore, the objective is not simply an increase ARPU, for example,
with various ways to bring new services, but also need to consider whether the cost of implementation services
is balanced with the increase in its revenue. Apparently, the presence of a variety of data services that can be expected
boost ARPU, does not guarantee increased their profit.
Therefore, many new technologies that require alertness present in select technology which can be
the market absorbed. If not, we will only remain in a soft market technology like the foreign players and
economically we do not benefit from.
If it is assumed that the investment cost for the MMS service reaches 1 million U.S. dollars, if the level of capital
for 5 years with the tariff of Rp 350, the required traffic each day about 15,000 of MMS. So, to make this technology
can be absorbed by the market, should be given MMS and SMS tariffs properly conducted with the focus on encouraging
the growth of traffic through one application. A large number of mobile phone, MMS learner with an affordable price
many circles, particularly the largest users SMS / MMS is a young group, the number is 15,000 per day
the amount is very small. Thus, soon will be replaced MMS SMS as a producer
the largest revenue for the service after voice services.
Source: Kompas Cyber Media
12:38 AM | Labels: Business, Technology | 0 Comments
VSAT technology and business benefits in the world
In the beginning, COMMUNICATION need an antenna, satellite antenna and connect only point to point. Functionality satellite communications when it is still limited for such large capacity for operators (such as PT TELKOM), trunking, microwave back-up, and telecommunications services in remote areas.
In the United States in the early 80s appear satellite communication technology with a small antenna, capable of connecting points to multipoint or multipoint to point and vice versa. The technology is known as VSAT (Very Small Aperture Terminal).
VSAT first entry into Indonesia in 1989 in line with bermunculnya private banks that need the online communication system, such as ATM (Automated Teller Machine). Utilization of VSAT in Indonesia including the first in Southeast Asia, which by the national private company PT Citra Sari Makmur (CSM) with the license of PT Telkom. CSM began operating early in 1990 by using the Palapa satellite. Currently there are 3 other than CSM private VSAT operators, namely Lintasarta, Elektrindo Nusantara and prosperous path (Primacom). Still the largest market share domination CSM. Outside it still has 2 operators that serve only among themselves, Dwi Partners (groups of Garuda Indonesia) and BMG (Meteorological and Geophysics Agency).
Benefits VSAT
With the VSAT technology more advanced, communication between islands in Indonesia so more easily and cheaply. Easy, because not terhalangi ocean and earth disturbance other structures such as mountains. Cheap, because the one near or far cost the same. Cheap here will be more meaningful if the number of customers more, because for one channel on the satellite can be used by several customers alternates. Utilization of the Internet and ISDN (Integrated Services Digital Network) will be more optimal and also cheaper.
Features of VSAT cable channels in addition to the fee is cheaper and reliable system with a wide bandwidth transmission of data packets. VSAT is also functioning as a complement or substitute for a phone line and micro-wave (microwave).
VSAT capability in the transfer of data, voice and video are very good because of the wide bandwidth. Moreover, by using compression techniques are good, picture and sound easy in the transfer of the cost.
Line of business that requires very VSAT, among other banks (such as the computerized online), the company's oil industry, aviation, distribution of goods and services, carpentry business and others. VSAT usage will be more effective if the customer has to prepare and provide application at the start using VSAT.
VSAT Customers in the Eye
One of the VSAT customers in the banking sector is Commerce Bank. According to Assistant Vice President Commerce Bank, Paul S Hasjim, banking services to the customer becomes more complete and better by using VSAT, for example, ATM (see photo) and online facilities. There are several reasons for the use of VSAT for Commerce Bank, added, among others, according to which there is no local phone line, to remote branch and a wide bandwidth.
Commerce Bank has been utilizing the VSAT from the CSM since the early 90's. VSAT facilities are used for other than Commerce Bank ATM is VSAT LINK with 64 Kbps of bandwidth, while ATM only require 2.4 Kbps.
VSAT LINK can be used as a disaster recovery (recovery operation when a disaster), which in this case Commerce Bank using the facilities of CSM is in the Dir. Because of wide bandwidth, VSAT LINK is very good for voice and data communications. Thus, the staff at headquarters can easily deal with branches and vice versa, the relationship between the branch runs smoothly without long.
Currently, Commerce Bank will develop the use of VSAT, for example, regional or branch of the high cost interlokalnya such as in Medan and Semarang. Relations between the regions that use LINKS VSAT, namely Jakarta, Surabaya, Bandung and Jakarta.
"Actually there are other telecommunication system which is also used as microwave Commerce Bank," said Paul, "however, because some benefits, VSAT will remain an important role in the present and future."
Alternative Telecom the Right-To
Lately it by the news surge flooding many cities in Indonesia, which damaged many phone cable channel. That reminds us on several alternative replacement for the cable channel and one satellite communication system, namely VSAT (Very Small Aperture Terminal).
To learn more about the benefits of VSAT in the business world in Indonesia, we have a written interview with Dr. through the Internet. Joseph FP Luhukay, a telecommunications and informatics experts from PT Bahana Business Development of Indonesia in Jakarta.
What is the background of the use of VSAT in Indonesia?
Basically, the use of communication ekstraterestrial generally encouraged by inadequate communication terestrial point to the need for data communications in Indonesia. Not only inter-city, terestrial communication in the city, it feels very drawbacks for inter-computer.
In addition, the use of the VSAT network also facilitates planning for data communications because "availability" will be at any cost and virtually "flat". This means that the relationship between Jalan Thamrin and Jalan Kiai Tapa in Jakarta on the same charges with the relations between Jakarta and Ujungpandang.
What is the advantage of the VSAT communication system to another?
In addition to this, the VSAT communication terestrial also excel in quality of the duct. Some locations in the ground-water is very dependent on the network cable-land, which often interfere in the quality of its installation may be due to less water-impermeable.
Pemasangannyapun relatively very quickly because they do not need to wait for the installation of cable-land. The time required for installation in Irian Jaya is not practical with many different installations in Surabaya, for example. Antenanya small size, even smaller dish from television, also simplifies the installation.
How the development of VSAT currently and in the future?
We think that its development will be very rapid. Which is very urgent to improve the quality of operation and services of the VSAT service.
Perhaps because the "cured" with the service "they" are the users of telecommunication phone service, the business world Indonesia oust the quality of services that are really Friendly of the VSAT service. That is the global will boost the quality of telecommunication services generally, especially VSAT service.
Who are the players (the operator) VSAT in Indonesia?
Which is already well established Citra Sari Makmur (CSM) and Lintasarta, although in terms of service quality and operational readiness of CSM we deem more reliable. There are several more new operators in the field, which still must build the capacity and operating reliability of service quality.
What type of business that requires very VSAT?
Practically all business sectors that didera by the competition, both national and international, will likely need the support of both information technology. Similarly high volume business and operations scattered locations. Not to efforts to strengthen the position in the market with built-keterhubungan upstream with downstream suppliers and customers. Ketersebaran location is encouraging the development of a data communication network, which then tends to increasingly use VSAT "cemepak." Until the end of this decade can be estimated that the business of insurance and financial services, business "retail, tourism and business will dominate the use of VSAT. In addition, the government sector and public services that dominated government will also use the more VSAT.
How to make VSAT and what the most tangible benefits for companies, consumers?
Relatively high cost of subscriptions VSAT encourage users to use the need for more communication in addition to the plenary for data communications only. For that, the relationship between the PABX locations in the operation will improve the ratio of "cost / benefit" to remain in the boundaries of the legality of the use of the VSAT, the use of "groupware" between al-location includes e-mail by using Web technology from the Inernet or technology from Lotus Notes, for example, network information and integration of a company will become the method and principle uses.
How VSAT service business prospects in Indonesia?
Good enough. The problem is how to achieve "economies of scale" to the existing operators. The granting of authority for telecommunications operators should consider new things, because if not, that there is "equity-stunt" only. On the other hand, there is a healthy competition among the operators will help increase the quality of services, although the cost to switch from one operator to another operator that is not easy for a company to the user. Start the emergence of techniques of communication terestrial which also is raising a new urgency for the operator to quickly achieve economies of scale and profitability of the business.
12:32 AM | Labels: Business, Technology | 0 Comments
Internet business revolution
Bill Gates is one of the last decade (for precisely 13 years) is not tergoyahkan number one position from the world's richest version of Forbes magazine. Can be if Bill Gates pan sac dolarnya 'only' from Microsoft Corp.., An American multinational company which was established early April 1975 and registered in Nasdaq in March 1986 with the MS or MSFT. Microsoft currently has more than 70,000 employees in 102 countries with a total market capitalization (the value of shares) 287 billion U.S. dollars in mid-August 2005. If your roads to all corners of Indonesia, the computer can be no more than 90 percent drop from the touch Microsoft.Namun, recently dikabarkan Bill Gates is panic, because the Microsoft-garanya difficulties "dominate" the Internet business, while more than 50 percent of internet users in the world are users of Internet Explorer (IE), one of Microsoft products. So who actually "can" by Bill Gates? Google, the answer.
Yahoo acquisition
As was dikabarkan by the New York Post, the news was broadcasted Microsoft maker is to Yahoo bernegoisasi the current value of market capitalization reached 50 billion U.S. dollars. Negotiations also allowed by the Wall Street Journal, although still not clear whether the acquisition or only form a joint venture. Positive impact for Yahoo with this issue is the increase in the value of shares of 17 percent.
By some analysts, the discussion between Microsoft and Yahoo is called as a step to menjegal Google in Internet search business, although many are still skeptical that Yahoo interested. Currently, the position of Yahoo and Microsoft are in the position of the second and third in the bottom of Google. Currently, more than 50 percent of the world's Internet users use Google as a search tool on the Internet.
Then whom Google? Is Google really menghunuskan pedangnya to Microsoft that Bill Gates panic? Google Inc.. Founded in early September 1998 by Larry Page and Sergey Brin. Similarly, with Bill Gates, Google founders also left the course at Stanford University to pursue dreams in Google. The difference between Bill Gates from Harvard University. Currently more than 20,000 people joined in the Googleplex, to the headquarters of Google. Google listed on Nasdaq in mid-August 2004 with the code GOOG, and recorded in mid-August 2005 the value of the market capitalization of 79.6 billion U.S. dollars, a quarter of the value of Microsoft at the same time. However, Google's shares have value is only 1 year since the IPO to make (Initial Public Offering) in the previous year.
Eric Schmidt, Google petinggi one, never sesumbar that Microsoft is the giant who is pregnant with the successes that have been passed. According to him, Microsoft is rooted in a long phase of the technology that has been left behind by kedigdayaan Internet. Based on this viewpoint, the role of the Microsoft continues to decline, while Google increased. "You go around in a stage that is far larger bets with greater also," said Eric. "We compete with Yahoo every day. In fact, Microsoft recently announced its participation in this market. Now they can not yet be called a competitor, but I believe they continue to try. "
The clear for Schmidt if he considers Bill Gates panic when witnessing the performance of Google's unusual in that short time. Even during the IPO, Google had predicted the same boat with Netscape, the company that became symbols of the Internet explosion in pengujung 1990-before dilindas by Microsoft. An article from Fortune journalist, Fred Vogelstein, titled "Why Google Scares Bill Gates" the more competition, which explains the extraordinary two days of this company is different.
Google's dominance is recognized by many parties such as the one published in Business Week magazine's Indonesian edition published in May 2007, is tercantumnya Google in the second as the company's innovative version of the Boston Consulting Group, while Microsoft is ranked fifth. What is interesting is when Google offices to develop applications that can be accessed online through the Google Apps brand in which there are applications such as Google Docs, Google Spreadsheets, which dikolaborasikan directly with the e-mail through Gmail brand, with brand-messenger Google Talk, Google also Calendar, and Google Apps application can be dikustomisasi using its own brand as well as we have a virtual office.
The Google Apps services is to compete directly with Microsoft Office Live, an online service owned by the application of Microsoft office. However, Google Apps still more superior added value through collaboration with services that have been mentioned before. Through Google Docs or Google Spreadsheets, we can also edit documents created by Microsoft applications. At a later time, Google's service will be against the hegemony of Microsoft's Office. It is no secret that Microsoft pan sac dolarnya the most is from the operating system and office software such as MS Office.
Is still considered "Bubble"
From the above explanation, which should be recognized is the business revolution, the Internet has created Google in a short time become a global company calculated many more parties. In fact, said Google may be richer than most small countries. The question, the Internet revolution in Indonesia?
Some business consultant in Indonesia is still considered a business on the Internet is something that still Bubble, is too much to be discussed, much moonshine. These conditions occur when indeed in 2000, which triggered many Internet entrepreneurs, so do expectations encourage more quickly to get the IPO to make quick fortune, even menggelembungkan operational costs due to expectations will get a fortune in fast time. However, this is not balanced factors such as the business market conditions, culture, and others.
This is not only happening in the United States, a similar kind in Indonesia, many Internet entrepreneurs like KopiTime roll mats, Mweb, true, and the other. The difference, in the most influential factor is the penetration of the Internet infrastructure and the direct impact on market conditions.
These fears are apparently not reaching for some companies. If the previously mentioned Google as the King Midas of the Internet, also have Indo.com, Bhinneka.com, Detik.com, Masterweb.net, Techscape.com, and many others still exist even begin reap the fruit of hard work consistency in the results business on the Internet. Here will not be written about the classification of the types of business, which is considered reap fortune in the Internet business, or how the perpetrators of that business to do so. So that the center of gravity is Now is the time revolution, the Internet business.
Although still need to keep trace data to see when conditions in the Internet, the Internet when market conditions changed, and this is relatively better than previous years. So, as saying that dipopulerkan Peter F. Drucker, "The best way to predict the future is to start" Now is started and we must start.
source: http://www.cybermq.com/index.php?kolom/detail/4/341/kolom-341.html
11:47 PM | Labels: Business, Technology | 0 Comments
start the business of education
Many complained that to open a business opportunity is not there. This is a classic complaint that can not be with us again. Indeed, to start a business we can do with a variety of ways, one with the education that we have. Jerry Yang and David Filo, the founders of Yahoo start a business with education. They are students from Stanford University. Yahoo started from the back parking lots is now growing rapidly. Jerry Yang and David Filo started the business from small and simple. Jerry Yang describes the discovery that Yahoo is "an accident" when he and Filo tesisnya complete. Filo and that this launch Yahoo when they sit in the universities, before they complete studies. They start doing business with the listing several web sites that they like and write some software that allows a website to get other web sites that will be placed on a web portal called. At the time established in 1994, named Terry's Guide To The World Wide Web. When they know that their sites visited by people from 90 countries, spontaneously say "Yahoo" and finally the words that are used to name their company. In 1999, Yahoo reach star status. Net income in quadruplicate fourth quarter of 57.6 million dollars, while revenue jump from 91 million dollars into 201 million dollars. Now, Yahoo is the best portal in 2002.
Kiichiro Toyoda merupakan putra dari pendiri perusahaan Toyoda Spinning & Weaving Co, yang bergerak di bidang perkakas tenun otomatis. Setelah menyelesaikan studi teknik mesin, ia memutuskan untuk memulai bisnis dengan mengubah perusahaan tersebut menjadi produksi mobil dan mengubah nama perusahaan tersebut dari Toyoda menjadi Toyota pada tahun 1936. Kiichiro Toyoda menjadi Presiden Direktur perusahaan Toyota sampai tahun 1950. Mobil pertama yang dibuat adalah Model AA kemudian Model Crown. Kantor di luar negeri yang didirikan pertama adalah di Taiwan dan kemudian Arab Saudi. Perusahaan inipun mulai memproduksi truk-truk forklift (bak/gandengan), yang menjadikan perusahaan nomor satu di dunia pada pasar ini. Truk-truk ini memasuki pasar Amerika tahun 1958 dan pasar Inggris tahun 1965. Tetapi untuk Model Crown gagal memasuki Amerika, karena mobil tersebut didesain untuk pasar Jepang, tidak didesain untuk jalan-jalan bebas hambatan di Amerika. Akhirnya Toyota membuat Corolla pada tahun 1968 dan meraih kesuksesan sehingga dapat menggeser Volkswagen sebagai mobil impor nomor satu di Amerika. Bahkan menembus jantung kota Amerika dengan menggandeng General Motors untuk membuat mobil-mobil Toyota di Amerika. Camry merupakan mobil dengan penjualan tersukses di Amerika pada tahun 1997. Toyota sekarang merambah bisnis ke bidang lain, yaitu pelayanan keuangan, telekomunikasi, perumahan, mesin-mesin angkatan laut, kapal-kapal rekreasi, distribusi bagian-bagian dan pelayanan penerbangan. Sekarang Toyota merupakan pembuat mobil nomor tiga di dunia setelah General Motor dan Ford. Yoyota telah menjual 5 juta kendaraan per tahun.
Pierre Omidyar started the business with a degree in computer science. He was interested in developing the technology for different products and consumers love the idea that he can take the concept with all the way through the delivery of products to consumers, and their reaction shows and changing them. Internet gives you a place to do it, because you can publish software quickly, you can get a reaction from your customers quickly and Andapun do know if the error quickly. He thinks, how the auction in Paris of participants do not go to Paris, but in their homes or offices in each. Finally Omidyar founded on the Internet auction company with the name eBay in 1995. Before Omidyar founded eBay with i establish eSharp, which provide experience as Entrepreneurs. eBay is a company that relies on trust. Imagine! People want to pay what dilelangkan with only see an image only. Without trust this company will not run. Net income more than three times reached 1.35 million dollars in the third quarter of 1999, with sales increased to 58.5 million dollars. The amount of that conduct registration on the site eBay increased from 5.6 million to be 7.7 million compared with the previous quarter and increased 1.3 million dollars in the same period the previous year. Penjulan value of the goods on the web site jump from 195 million dollars into 741 million dollars. eBay auction is the best company in the Internet in 2002, the magazine version of Yahoo.
About what makes you great. What separates you and I made history as Entrepreneurs "said Anita Roddick. With the history of his love of the environment eventually make the concept of "natural", to make herb-pure ingredients, do not test on animals and friendly to the environment and indigenous population, where the herb-derived ingredients. With almost no advertising at all but with the publicity that is very passive, The Body Shop has become one of the legends of the world.
Ir. Ciputra start a business with the education field of architecture and properties, because it of Architecture faculty alumni ITB 1960. Ciputra now as the President Director of PT Ciputra Development (CD) and President Commissioner of PT Jaya Realty (JR) and the CEO off the public's best 1997 version Sembada Swa magazine.
My education after completing a Master of Arts Management with friends established the Masters of Business Administration, in cooperation with the West Coast of the Institute of Management and Technology, Australia and Warnbrough University, the United Kingdom before any regulations on the MBA program. Once the rules are and then establish a Master of Arts Management Program at STIE "Artha body Iswara" Surabaya. Currently, students Magister Management Program is about 1000 students, perhaps the Master's Program Management that the number of students in Indonesia. So Andapun can start your business with education, and when the course.
10:55 PM | Labels: Business | 0 Comments
SMART ENTREPRENEUR
TERMS Entrepreneurs dipopulerkan by an Austrian economist named Joseph Schumpeter (1883 - 1950). According to Schumpeter's overall economic perbuahan process ultimately depends on personal behavior, namely Entrepreneurs (wiraswastawan) Kewiraswastawan (entrepreneurship) first menyakut changes. The wiraswastawan see the changes as the norm and something healthy. Usually they do not create the change themselves, because they themselves are usually not the inventor. However, this determine wiraswastawan and entrepreneurship.
Entrepreneurs always looking for a change, and utilize it as an opportunity. Each ditanggapinya changes in creative and innovative.
Entrepreneurship with different management. Entrepreneurship is the power to initiate changes in the management prosuksi while covering a pro card for the merger duksi. Therefore, management refers to the coordination of the process, without stopping production which can be viewed as a merger without a stoppage of the production process, which can be seen as compounding continuously from the factors of production. While entrepreneurship is the symptoms that are not continuous, which appear to start the changes of the production process and then lost to appear again to start the other changes again. While the information is data that can be used as a basis for taking decisions. Information is the "heart of the problem because the open doors of success" said Herb Cohen.
Smart means clever or smart or wise. Confucius said, "If you are not clever, you have to be smart." Definition is broader enrteprenuer smart people who are able to create new business and creative and innovative and take risks with the uncertainties and to achieve profit growth in a way to Identify the opportunities and and the threat to combine with the resources they had. The essence of smart Entrepreneurs username right brain and left brain or the optimal use of intuition and the intelligent information. Intuition is a heart murmur. Intuition is the ability to know things without conscious thought.
People, including a smart Entrepreneur is Bill Gates (Microsoft), Steve Jobs (Apple Macintosh) Henry Ford (Ford Motor), Seichiro Honda (Honda), Akio Morita (Sony), Konusuke Matsushita (Matsushita), Anita Roddick (The Body Shop), Sam Walton (Wal-Mart), Jerry Yang (Yahoo), Jeff Bezos (Amazon), Piere Omidyar (eBay) and so forth. Most of the Entrepreneur of the world's top Entrepreneurs as a smart Entrepreneurs. They combine information and intuition to achieve business success. Bill Gates, for example, when the opportunity to see that Apple and IBM would not license its operating system to computer manufacturer, then this information by Bill Gates with intuisinya and arrested, he cut off going to make the operating system and give license to be used by the computer manufacturer. The first operating system created by Bill Gates of Microsoft Disk Operating System (MS-DOS), which ultimately controls the market, 80% of the entire operating system used at that time. Kesusksesan Bill Gates also continues with the emergence of Windows that is currently very successful and has been the emergence of the new Windows XP.
Steve Jobs has been getting information that there is a need in the market that used computers personally. Intuisinya with Steve Jobs to make a personal computer (PC) that are easily used by ordinary people. The first product, the Apple Macintosh. Steve Jobs, co-partner partner Steve Wozniak first to make this machine in a garage.
Henry Ford utilizing information about most of the population Amreika intend to have a car, but they do not, have enough money to buy them. Henry eventually produce a car with intuisinya en masse to the price of the car is affordable by the United States in the year 1903. The first car is a car that diabuat Model A. After one year, he can sell 600 cars per month. In the years 1908 to 1927 have sold 15 million cars a model T. In the year 1919, Ford resign as President of the company, which is replaced by her sons Edsel. Annual car sales soar into 2,120,898 in 1923 while Ford controls the more ndari market of 57 cars in the United States.
Education institutions Primagama use of information and intuition to this menjulangkan name. One of the ideas I Purdi, when it became Director of the ideas that have touched, Supervising Insurance Accepted Test Program. Warranties vary with the word guaranteed. Guaranteed, if accepted would mean the Universities Affairs, but that depends on the assurance means students and Primagama. Primagama provide assurance, if not State Universities do not pay enough money to Rp administration. 10.000, - but if received in state universities students, in accordance with the pay he promised. To be accepted at the Universities Affairs, Primagama also asked students to study hard and be given a high motivation to learn can have a high spirit. Pak Purdi idea is intuition. Then when I was a manager of Research and Development Primagama add information that must be students Primagama students proficient, it's how to be students Primagama time favorite ituberasal from high school in Yogyakarta, among others, SMA 1, SMA 2, SMA 3 and so forth. If a student Primagama comes from high school - high school favorite, the dibimbingpun not likely be accepted at the Universities Affairs, let alone be in Primagama. In fact, the correct way of thinking Primagama, received at the Universities of more than 90%, due to fool the students choice. Then the students who received their students in universities to install one of these pages in Kedaulatan Rakyat daily, so that people know of Yogya Guidance Test Primagama. That is the point of initial magnitude of the Board of Education Primagama. The decision is a decision that intelligent Entrepreneurs from the combine intuition with information. This can happen if we behave mentally positive.
10:06 AM | Labels: Business | 0 Comments
