Select Insurance Savings Education or Education?

You and your wife are a young couple, only 1 million a month income, and just having a child are 1.5 - 2 years. Well, where should you choose, insurance or savings? If possible can only be saved, how much money should you set aside each month?

Actually, just the same, Insurance education or education savings to have the same characteristics, In addition to its investment decision can be customized with your child's school schedule, they both provide protection functions. That is, the availability of funding your children's education will remain secure despite the risk of death to happen to you.

In particular, education insurance is insurance that offers two usability (endowment) the function of protection and investment, so Protective functions will bear the risk of death over you, by promising a certain amount of money if you experience death. It's just a given sum assured is usually adjusted for the cost of your child's education and have been agreed in the policy.

As an investment, this insurance will manage and invest part of premium you pay. Instead of managing your money, the insurance company will provide a large number of funds have been agreed in the policy. When payment was already scheduled, it is time to match your child's school.

Meanwhile, education savings accounts are savings products from the bank. This product has characteristics similar to insurance education. With this type of savings account, you will save a certain amount of money regularly.

The amount of monthly saving were calculated from the education fund that will target you take, the future, and to ensure the availability of educational funds, the bank has worked with several insurance companies that will guarantee your deposit despite the risk of death.

Instead, the money you'll need to set aside a monthly savings associated with the size of your needs in the future. To fund your children's education, for example, you must first calculate the amount of funds you need, and time of use.

After that, calculate the amount of money should you tube. While for its reserve fund, you also have to prepare another savings account until the amount with multiples approximately between 5 to 15 times your salary.

Presumably, not ban them to save for a young couple on low incomes. However we recommend you do not need too much force my-self to have as soon as funds for education and fund reserves. Make your money-management perspective. As a result, set aside money by saving money can still be achieved without sacrificing other interests at this time.

Protect Credit Card from Fraud

Carding or counterfeit credit card to be one part of crime motivated Internet economy, Technological sophistication and omissions giving users the carding gap, Carding just one practice underground economy, the mode of economic crimes committed by illegal attacker.

This attacker is not even the internet or IT expert, and could be a newbie who is practicing a free software module traded and user friendly. Carding is done by several modes, namely:

1. Breaking into the bank database. With specific technical expertise, attackers broke into the bank database. Bank customers' credit card numbers obtained from this method.

2. Skimming, put simply, skimming is the magnetic card data make copy illegally, by using a magnetic card reader device.

3. Merchant transaction. Attacker to read and could have been recording with the camera, three points behind on your credit card. This figure represents the code Verivication Card Value (CVV) of your credit card, a transaction will only be successful if the cashier enter this three digit number.

Credit card user carelessness allows an attacker in launching the action. Consider the following ways to protect credit card carding mode:

1. Recognize and be aware of carding mode
As described above, there are a number of carding mode. Credit card users need to be more vigilant when making transaction merchants. Make sure your credit card is not visible to others when going to swipe it. Attacker could exist around you, and work in teams. As one of the actors to draw your attention, the other players observe the CVV code on back of credit cards. It takes just few seconds to remember three numbers.

2. Cover with tape CVV code,
A simple way to do in CVV code is covered with tape. These help protect the credit card of target players carding.

3. Do not store passwords or account numbers in your phone
Data Information is the most valuable assets targeted by the perpetrator. By storing all important data on the phone, when phone is missing, this gap becomes illegal economic opportunities for the attacker.

Attention to detail and attitude of Professionalism

A professional attitude is not only seen from the styles of dress and the words said that neatly arranged. Such little things ringtone phone, the sound of a voice mail, email address, also plays a role in the formation of your professional image.

If you work in a creative field, such email address dhinnaimoet@yahoo.com may still be acceptable, though impressed too childish. More to be safe, you should create a special email account for your job. Normally, use the full name.

Professional image formation does not stop until the email address. Such social networking sites facebook and friendster can also be the barometer. In fact, this friendship sites have become a source for finding out about someone's personality by their prospective employers. According to a survey mentioned, approximately 20% of potential employers take advantage of the friendship site for finding out more information about prospective employees.

It is a major concern "investigation" through the social networking site is the comments from the friends, notes or comments that you post, the photos are shown, also the way you interact with your friends on FB and FS.

Even the smallest details that you post on the site could affect the friendship chance to get a dream job. Thus, online behavior must be adapted to your behavior in public places. Better to show the best out of yourself even if only in facebook or friendster profile.

Plus and Minus "Jumping Fleas" in a Career

Do you belong to the category "the fleas" in your career, alias like moving the workplace? Nothing wrong with it, take every opportunity in front of the eye for a better career advancement.

This can often happen because right now, companies tended to give priority skilled professionals who have expertise, knowledge, behavior, work orientation, as well as good communication skills. Bosses are generally more appreciative of and protect employees who contribute significantly and consistently towards their company. Considerations in choosing a professional company are also not solely based on loyalty.

Still, you should consider several things before deciding to move to another company. According to experts, in order to work productively, every employee must be loyal to those companies. Each person can still perform at 100% to the company while developing their careers.

In addition, the company moved in too short a period is less wise. If you move to another company after less than one year, it would still be acceptable. But what if you do it once every three months? People will think there is something wrong inside you. Other companies will be questioning their commitment and hesitant to hire you as their employee.

Moreover, various job vacancies currently include various requirements, one of which is a long work experience and technical skills within oneself. Too often the company moved in a short time will reduce your chances of getting the job.

Noting It Small

Are you aware, just little things can make it work productivity declined? Because no order keep records, for example, we will be confusion when the note is required, not only wasted time, mood can directly sluggish employment. There are some small things that you might miss, but it was important for a smooth job. Some of them:

1. Consider comfort
The chair is too hard, too short or too high can interfere with the work. Make sure to use a comfortable seat, especially when a lot of work while sitting.

2. Arrange desk
Use a computer keyboard with keys that good and the computer screen are parallel to the eye, well-functioning computer capable of influencing the smoothness and productivity. Comfort and good posture while working, will make the mind becomes more clear and flowing.

3. Take a break
Every half hour, got up from his desk chair and leave for three to five minutes. Use that time to loosen the body and refreshes the mind. After that, right back to the table with the concentration and fresher conditions.

4. Discipline
Make your own rules, how much time you need to complete the office work. Obey the rules you created it, so time to work so much more efficiently.

5. Create a list of jobs
In order to more efficiently and effectively, write a list of work to do every day. Then mark one by one so finished work.

6. Trim record
Discard the habit of writing important notes in any paper, prepared a special book or agenda which can be brought at any time, so if there are ideas across, can be recorded. Thus, there would be wasting any more time to search.

7. Trim tool
Make sure you have a special place to store office equipment, ranging from paper clips, pens, markers, and others. So that when needed, immediately knew where to look. According to the survey, 75% of workers spend 15 minutes every day just to find stuff that's hard to find.

Competition between women's career

Women known as emotional beings, in the world of work, this emotional attitude can affect adversely. Dealing with male coworkers and compete behave in their own way. Meanwhile, women face, there are a few tricks of its own.

1. Do not make a triangle
When you have problems with colleagues or superiors, do not complain in the third person (creating triangle). Instead, tell the person concerned directly.

2. Immediately solve the problem
Costs are allowed to settle without a solution will only complicate the situation. Do not bother too concerned about small problems, because sometimes, women can be so sensitive just because a friend was invited to eat lunch together. No matter whoever is wrong, try to dilute the atmosphere.

3. Do not open too much personal information
During the school or college you are already familiar with the model of female friendship is "open". And information sharing can be a powerful way to enter into a social group. But do not be too eager to align them-selves in the workplace. Although you seem to have much in common with your female colleagues, remember that not all people you can trust.

4. Living without the need of close friends
Friends with coworkers are not prohibited. But you need to always be alert and self-limiting. Some signs of friendship you become a professional office: You spend more time socializing than working.

5. Build a network
Classmates would be more helpful than a boss. When you are in difficulty and need help somebody, who would you go? Certainly not someone who is more senior than you, Also, job referrals and you hear more from your peers. That is why it is important to close with a woman in horizontal, and start building your network now.

10 Success Strategies Entrepreneurship

Want to be self-sufficient and start your own business? It must be remembered that starting your own business takes hard work and will probably take a long time until finally there is revenue.

Need an apt strategy for your entrepreneurial efforts are successful, as well as minimize failures. Here are strategies that are collected by Renee Martin, author of "The Risk takers: 16 Women and Men Share Their Strategies for Entrepreneurial Success" of the entrepreneurs are successful entrepreneurs.

1. Finding an untapped niche market
Identify a specific market segment (niche market) are the main needs are not met by competitors. Build a specialization that you know are the hallmarks of your company. Remember, that even large and international companies could not satisfy everyone, many specialty markets which often was not flown because it was considered too small.

2. Sensitive to dare to start the latest trend
Find the latest needs and desires of consumers who grew from a change in trend in terms of cultural, economic, technological signal into a new market opportunity, Act quickly do not wait too long.

3. Do it!
Stop making excuses, when most "perfect" to launch a business can never be predicted accurately and surely. Do not let the prospect of competitors stealing the actual start of business can you start first. Start moving. Create a short goals and deadlines that bring you closer to opening a new business area.

4. Avoid words that discourage
Ignore people who say "That's not going to work" or "It will not be successful if you do it that way." Occasionally, away from the notion that lowering morale and standard rules can help you to succeed. Watch and learn how successful entrepreneurs in their field with a critical view. Learn how they worked and the program they are doing. Ask the questions "what if" in your mind.

5. Explore competitor weaknesses
Take a critical view of your competition from the consumer perspective. Listen carefully to the needs and complaints from prospective customers when doing phone sales. This will help identify deficiencies and weaknesses of competitors. Find ways to cover the shortage of services and products you own, then repair it.

6. Fill vacancies
Focus your gaze on the area covered by the competitors who forget you. Learn how to anticipate new areas that you can fill with the service or can position your business faster than your competitors.

7. Fame with minimal funding
Think of ways how to be better known by the fund minimum. Do not get too close them-selves, be creative, ventured to the more well known to many people (but for good reason). Exchange ideas with the people closest to you.

8. Believing in the ability of self
Wake up and learn to use the power of your intuition. Listen to your heart. There will be times when you must choose to play it safe or playing desperate to face business challenges. The people around you also provide a variety of inputs, so that you can trust is yourself and your heart.

9. Do not let adversity or failure to defeat you
Do not let the restrictions created by others or circumstances that make you weak pinning, Many entrepreneurs who closed their businesses because they do not believe in yourself. As an entrepreneur, you will face during times of stress that will test your belief. Remember, that means to expel feeling restless it is the persistence and resilience. Believe in your business concept and committed ourselves to see this business successful.

10. Do not stop innovating
In continuous mode, look for new ways to introduce new products and services to consumers and new market you have subscribed you meet. Complacency is something that can harm your company. Customize your business with market trends.