in trouble

Consider whether the goods that we buy will suit our budget.

            If not, postpone and want to buy it in the future. Even even though it seems it will take a long time before we can afford, we will avoid debt dizzying. There is nothing wrong we want to buy a set of dining table. But we should save first of the month to buy it.

            Ask for advice.we know people are able to save money? Ask what's the secret, who knew he had counsel. Ask your parents or grandparents of us who have eaten sour salt the way they manage finances. My parents have been married for ten years before they bought the house. They live frugally in order to be able to pay large advance so that the monthly payments are not overly burdensome.

            Remember the proverb "little by little into the hills." We want to buy a new car, but think carefully, whether we need a new car? Is it cheaper if we fix our old car? Maybe we should. Although according to the Astra, Toyota's cutting edge has many advantages, but the old Toyota we still can take us everywhere, why should it be exchanged? If you do not really need to do to buy it.

            if you are in debt it will endanger you and your family because when you die all your accounts payable will be covered by your wife and your children and even your family

living on your own

hello my name is fernando setiawan I was the eldest of two siblings my mom called fenny Anggrainy liem and my papa named alm dicky setiawan I enrolled at the university Unika musi Charity accounting majors 2nd half I was a member at one organization at the monastery Dharmakirti namely KMBP ( family Student Buddhist palembang ) and I was one of the members of UKM contrast in this musi is my personal profile thank you for your attention I say so and thanks

banking services

Banks is a product that offers services to serve customers save money or transact. Therefore, banks are in need of services in order to become the best quality products that have a lot of customers (clients).
Services is defined as an activity to deliver tangible benefits that are not physical but is required to achieve optimum utility. Services bank service is a collection of activities devoted to the smooth and sustainable savings activities or transactions.
Although the service is not shaped items for sale, but each service provided bank is an asset sales as a source of profit of the bank. Bank services can take advantage of customers through administrative fees, shipping, tagiham fees, rental fees, tuition fees, commission fees, and others. With a variety of benefits to employees of this bank, we know that the bigger / better bank services, the greater the gains of the bank.
1. Services save
Saving money is actually the main activities performed or the main services provided by the bank. The customers do not have to worry about money or property deposited with the bank will be lost. Bank will provide security guarantees for the treasure that you dropped off, and security services, you pay the monthly administration fee.
2. Services remittance (transfer)
Transfer is the activity of sending money from someone's account to the account of the destination, although the destination account is in a more distant location, for example outside the city. The desire of customers greatly affect the speed of delivery of money and profits earned by the bank through this service.
3. Services Deposite Safe Box
This service provides a safe locked to hold securities such as stocks, land titles, and so on.
4. Clearing Services
Clearing Services is an institution that deliberately provided for the benefit of inter-bank settlement of accounts payable by way of scrip-scrip betray such as checks, demand deposits, bank notes, credit notes and proof of transfer.
5. Credit Card Services
These services are most commonly used in the community to meet the needs of shopping. Bank will provide cards as valid proof of payment at which banks will lend some money and customers will pay at the end of the month usually

credit car

Credit Car

Advantages and disadvantages of credit car with cheap dp 

 Advantages:

            It's helpful to certain customers who only have enough funds or minimal to dp cars. For example only with dp 13 million could have a Toyota Avanza, usually selected by the middle and lower class who have the determination and believes that in the future it could be paid without thinking about how much percentage of annual interest to be borne, during the period of credit because it was already helped in the beginning by dp which according to them lightweight and able to pay.

Deficiency:

            Interest granted by financial institutions with mild dp (split rate) is well above the normal / very high. Can reach 11% or more annually. Because what could interest setingi it? Yes yes, to cover losses in the light dp. Even 11% of the new interest rate, not including the insurance rate that does have a standard calculation depends on the price (OTR) car.

            The credit process also includes very complicated, because all the required documents must meet the criteria of financial institutions. And you should know also the survey process during the credit not only once, but can be up to 2-3 times and it could take up to 1 month or more, which can lead to saturation of customers who are already looking forward to his ideal car parked in the yard.

            Amir of experience for becoming Salesman at Toyota, for example, between 10 light dp credit application (split rate) is most likely approved the submission of credit only 2 / 2:10. Based on the criteria of suitability customer capacity, revenue, customer and field conditions regarding the use of the car.

Both the normal dp (25% -30%)

Advantages

            The credit process is easier and seem not too long, because financial institutions find customers who apply for credit with normal dp classified as people who are able and belong to someone who had calculated in detail about the ability to repay in the future to completion without any deformity.

    Flowers are offered for normal dp, including very light, say for example, for 3-year interest rate is only 5.18% per year.

    Long loan process should also be considered, since different light dp which requires a fairly long time, that's probably just a normal dp 3-7 days.

http://infokredittoyota.com/kelebihan-dan-kekurangan-dp-ringan-dalam-proses-kredit-mobil/