February 2016

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Are 3 important things before borrowing money

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Financial planning may not go according to plan. Although various means saving and saving is done, there are still things that often happens as unexpected expenses.<br />
Borrowing money is often an option to resolve the financial problems. Before deciding to borrow money, consideration should be thought through is if you can pay it off.<br />
The following are three considerations before deciding to borrow money:<br />
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1. The amount borrowed</h3>
When we apply for a loan of course there are conditions that must be met. The bank or lender will check our financial condition, ranging from employment status and length of our work, the monthly income and other loans that we might have.<br />
For that you have to be able to measure whether the ability to restore the amount of money that we borrow within a specified time or not. If you need a little bit but was offered a higher amount, you should not take it all. Adjust to your needs and abilities.<br />
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2. Interest on loans</h3>
Interest loans vary widely, depending on the lender and type of loan, in addition to factors related to our own credibility. So it is very important that personally know the interest rate of the proposed loan.<br />
Remember this interest rate would have an impact on installments per month. In addition, we also have to understand how interest is calculated.<br />
Before signing the agreement, ask for a detailed explanation of the calculation of interest rates, how much the amount of money available, and how they change when we change the monthly payment and term loan.<br />
In short, do not accept everything as it is. Generally, borrowing money from the bank can be very expensive.<br />
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<h3 style="text-align: left;">
3. Other costs</h3>
Not only the interest alone that makes loans can be expensive, but sometimes banks charge other costs. Starting from the administration, penalties, deductions and so on. You have to know in detail about all the costs that arise when borrowing money from a bank.<br />
Other costs that may be described in the beginning but will show up when things go wrong is fine and the consequences of not being able to pay off or default.<br />
Although we do not expect that to happen, but we must know the correct procedure if it really can not repay the loan, including the costs and other consequences that may not have been stated in the agreement.<br />
If using auto-debit system in the repayments, try a few days payment due upon receipt of a salary. This prevents late if the current salaries paid by where we work.<br />
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<span style="color: red;"><b>READ TO</b></span><br />
<a href="http://thegion.blogspot.co.id/2016/02/holidays-abroad-this-4-ways-smart-money.html" style="background-color: white; border: 0px; color: #cc0000; display: block; font-family: 'Droid Sans'; font-size: 19.6px; font-stretch: inherit; font-weight: bold; line-height: 27.44px; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">Holidays Abroad? This 4 Ways Smart Money Exchange</a><a href="http://thegion.blogspot.co.id/2016/02/holidays-abroad-this-4-ways-smart-money.html" style="background-color: white; border: 0px; color: #cc0000; display: block; font-family: 'Droid Sans'; font-size: 19.6px; font-stretch: inherit; font-weight: bold; line-height: 27.44px; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;"></a><a href="http://thegion.blogspot.co.id/2016/02/financial-mistakes-at-age-50-years.html" style="border: 0px; color: #cc0000; display: block; font-size: 19.6px; font-stretch: inherit; line-height: 27.44px; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">Financial Mistakes at age 50 years</a><a href="http://thegion.blogspot.co.id/2016/02/financial-mistakes-at-age-50-years.html" style="border: 0px; color: #cc0000; display: block; font-size: 19.6px; font-stretch: inherit; line-height: 27.44px; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;"></a><a href="http://thegion.blogspot.co.id/2016/01/7-secrets-of-how-downsize.html" style="border: 0px; color: #cc0000; display: block; font-size: 19.6px; font-stretch: inherit; line-height: 27.44px; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">7 Secrets of how Downsize</a></div>
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Financial planning may not go according to plan. Although various means saving and saving is done, there are still things that often happ...

Holidays Abroad? This 4 Ways Smart Money Exchange

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There are many people who choose to spend the holidays with holiday traveling abroad, one being the reason is because of the holiday period held long enough and long enough to make the trip.<br />
Ease of access to the information system is also one thing that plays an important role in increasing the number of local tourists who travel abroad.<br />
Nowadays people very easily can find information about travel destinations and a variety of amenities and accommodations that can be found there later.<br />
Various types of social media also plays an important role towards this increase. With a very easy going person uploading and showing off photos and share their traveling experiences to the general public, and it is certainly becoming a separate temptation that might make a person would intend to go to these places.<br />
If you are one of those who intend to travel abroad in the near future time, then of course have to prepare everything very mature and well-planned.<br />
One thing that should not go unnoticed is considering the issue of exchange of money that will be used in the country of destination.<br />
The main points to be considered in the affairs of exchange money is to make sure to get the best rate or the exchange rate and this will depend on the consideration of when to redeem the money.<br />
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You can find out the latest up date on the value of the rupiah in the country of destination. Check out a few points that you must consider when going to exchange money.</h2>
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1. exchange in Hotel or Airport</h3>
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Change money at the hotel or the airport is much easier and practical to do. But keep in mind the exchange rate offered by the hotel or the airport tends to be unstable or even tend to be high. It happened because of the impact of the transaction costs are quite high as well.<br />
It helps you avoid having to exchange money at the airport or hotel, because you will be at a disadvantage, especially when doing onsite in a sizable amount.<br />
If you are really in dire need of funds urgently, it does not hurt you to do onsite at the hotel or airport, provided you redeem your money in the amount as needed.<br />
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2. Redeeming Through Credit Cards</h4>
Do onsite via credit card will give you an advantage because bank credit card issuers generally have access to better exchange rate when compared with individuals.<br />
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But still avoid using credit cards when the value of the nation's currency is weakening because in general the transaction can not be converted at once and there is the possibility of getting the exchange rate is not good a few days later.<br />
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3. Currency in Local Bank</h4>
You will be better off when exchange money at a local bank because usually the exchange rate is much better and trustworthy. If the exchange rate is determined purely by supply and demand, then you will get a value close to the prevailing market price at that time.<br />
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However, if exchange rates are determined by the government of the country that you are visiting, the local banks will provide good value relative to the amount of cost is not too high.<br />
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<br />4. Redeeming Through ATMs</h4>
You can make this as an option only when it has enough funds and can be used during the trip.<br />
In general, the ATM will offer the exchange rate was quite good and interesting, but it must first ensure that the destination state bank.<br />
It is important to always keep in mind that in general your bank in Indonesia will account freeze when he saw there was no reasonable transaction on your account, such as the withdrawal of money in a number of different countries within one week.<br />
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When this option which will be planned in your trip, so make sure the bank has heard it before, you should contact the bank before departure.<br />
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Do not Take Too Much Cash</h2>
Wherever you plan to exchange money, we suggest you do not carry too much cash. In addition to complicated, from the financial side obviously this will be very dangerous.<br />
Bring enough cash, and use the card like a credit card transaction that provides services for Visa and MasterCard in there. In addition, set the finances well before you leave, so as not to waste during the holidays.<br />
<span style="color: red;"><b>READ TO</b></span><br />
<a href="http://www.thegion.blogspot.co.id/2015/12/5-indonesian-favorite-tourist-places.html" style="background-color: white; border: 0px; display: block; font-family: 'Droid Sans'; font-size: 19.6px; font-stretch: inherit; font-weight: bold; line-height: 27.44px; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;"><span style="color: red;">5 Indonesian favorite tourist places</span></a><a href="http://www.thegion.blogspot.co.id/2015/12/5-indonesian-favorite-tourist-places.html" style="background-color: white; border: 0px; display: block; font-family: 'Droid Sans'; font-size: 19.6px; font-stretch: inherit; font-weight: bold; line-height: 27.44px; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;"><span style="color: red;"><br /></span></a></div>
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There are many people who choose to spend the holidays with holiday traveling abroad, one being the reason is because of the holiday peri...

Yoga is proven to have many benefits

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<span style="font-size: x-small;">Ranging from improved posture, keeping the flexibility of the body, to make the body fit and stable blood pressure.Unfortunately, not everyone can practice yoga every day. Whether for reasons of busyness or feel free to practice at home for fear of injury.</span><br />
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<span style="font-size: x-small;">The following 7 tips practicing yoga at home:</span></h3>
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<span style="font-size: x-small;">1. Create a comfortable area to practice</span></h4>
<span style="font-size: x-small;">If you have a room that can be used to practice yoga is certainly very good. But if not, you just need to find an empty area that is fairly roomy and quiet and calm. You can equip it with candles to create an atmosphere that you like. The decoration is just a complement, not a primary.</span><br />
<span style="font-size: x-small;">Basically you can practice yoga anywhere. Just make sure the area is roomy enough so that you do not need to form a table, stool, or other interior during practice. Look for your favorite spot and start practicing</span><br />
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<h4 style="text-align: left;">
<span style="font-size: x-small;">2. Complete your yoga gear</span></h4>
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<span style="font-size: x-small;">All you need is a yoga mat, preferably the slip. There are many types of yoga mats are sold freely. However, using nonslip mat and not slick would be better.</span><br />

<span style="font-size: x-small;">You may also add a box (block) to practice. But it could be replaced by a book. Your creativity and keep practicing.</span><br />
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<span style="font-size: x-small;">3. Ensure safe and avoid injury</span></h4>
<span style="font-size: x-small;">Always pay attention to your limits and be aware of the most vulnerable areas of the body, especially in the knees, hips, spine, and neck. If you feel the sensation of pain, adjust and refine the movement, even stop pose if necessary. Do not force pose if pain is felt.</span><br />
<span style="font-size: x-small;">Warm enough before trying some advanced poses, and always check whether you are fine when doing so. Always conscious when switching from one pose to another pose. This condition is potentially dangerous if we do not really focus when doing so.</span><br />
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<span style="font-size: x-small;">4. Select the style of yoga</span></h4>
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<span style="font-size: x-small;">While on a yoga mat, ask yourself this, "What is necessary for the body and my mind?"</span><br />
<span style="font-size: x-small;">Active movements that make sweat or subtle movements that help dampen the body and mind? If you do not know what to choose, follow the impulse alone. Over time, you will get to learn about the effects of different movements. Thus the more you recognize what is necessary for the body and mind at different times.</span><br />
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<span style="font-size: x-small;">5. Enjoy your practice</span></h4>
<span style="font-size: x-small;">Do not do it excessively. If you do not enjoy yoga then you will not be able to defend it.</span><br />
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<span style="font-size: x-small;">6. Always relax, do Savasana after practice</span></h4>
<span style="font-size: x-small;">It is important to give time for the body to rest after practicing yoga, so did the corpse pose (Savasana). The nervous system needs time to assimilate the soothing benefits gained during the practice. Sometimes you will feel no need to be connected to anything after practicing yoga, especially after intense exercise.</span><br />
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<span style="font-size: x-small;"><br /></span><span style="font-size: x-small;">7. Exercise regularly</span></h4>
<span style="font-size: x-small;">Although only once a week, yoga exercises that you do on a regular basis will benefit. Practice 3 times a week is also good, and much better if it is done every day. Select the training period is most appropriate for you. If you are very concerned about the process of achieving the goal, it is good practice 3 times a week and develop a sense of pride in themselves rather than forcing you to practice every day but did not enjoy it.</span><br />
<span style="font-size: x-small;">Maintaining a sense of failure when you skip a workout session will usually make you more often truant. So be honest with yourself, set realistic goals, and do as much as you. Practicing yoga 10 minutes each session also remain valuable.</span><br />
<span style="color: red; font-size: x-small;"><b>READ TO</b></span><br />
<span style="color: red; font-size: x-small;"><a href="http://thegion.blogspot.co.id/2016/01/want-long-life-and-life-longer.html" style="background-color: white; border: 0px; display: block; font-family: 'Droid Sans'; font-size: 19.6px; font-stretch: inherit; font-weight: bold; line-height: 27.44px; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">Want Long Life and life longer</a><a href="http://thegion.blogspot.co.id/2016/01/want-long-life-and-life-longer.html" style="background-color: white; border: 0px; display: block; font-family: 'Droid Sans'; font-size: 19.6px; font-stretch: inherit; font-weight: bold; line-height: 27.44px; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;"></a><a href="http://thegion.blogspot.co.id/2016/01/clear-acne-with-tomatoes.html" style="border-image-outset: initial; border-image-repeat: initial; border-image-slice: initial; border-image-source: initial; border-image-width: initial; border: 0px; display: block; font-size: 19.6px; font-stretch: inherit; line-height: 27.44px; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">Clear Acne with Tomatoes</a><a href="http://thegion.blogspot.co.id/2016/01/clear-acne-with-tomatoes.html" style="border-image-outset: initial; border-image-repeat: initial; border-image-slice: initial; border-image-source: initial; border-image-width: initial; border: 0px; display: block; font-size: 19.6px; font-stretch: inherit; line-height: 27.44px; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;"></a><a href="http://thegion.blogspot.co.id/2016/01/vitamins-that-can-lower-risk-of-heart.html" style="border-image-outset: initial; border-image-repeat: initial; border-image-slice: initial; border-image-source: initial; border-image-width: initial; border: 0px; display: block; font-size: 19.6px; font-stretch: inherit; line-height: 27.44px; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">Vitamins That Can Lower Risk of Heart Disease</a></span></div>
</p>

Ranging from improved posture, keeping the flexibility of the body, to make the body fit and stable blood pressure.Unfortunately, not every...

Financial Mistakes at age 50 years

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<span style="font-size: x-small;">4 Financial Mistakes to Avoid at age 50 years</span></h2>
<span style="font-size: x-small;">If you are aged 50 years, this is the time to tighten our belts. Do not also make the mistake of finance, since the age of 50 years have been very close to retirement, which means losing a steady income.</span><br />
<span style="font-size: x-small;">Well, that ye be alert for future careers end, the following 5 financial mistakes that you should avoid in the age of 50s</span><br />
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<h3 style="text-align: left;">
<span style="font-size: x-small;">Not the biggest pay off debt</span></h3>
<span style="font-size: x-small;">It is time to pay off two things: home loans and vehicle loans. Likewise with the other large financial burden. Therefore, these two things, home and vehicle loans, usually the largest household expenditure. If not repaid, it will be a burden for those who live with a fixed income such as private employees or civil servants.</span><br />
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<h3 style="text-align: left;">
<span style="font-size: x-small;">Do not buy long-term insurance</span></h3>
<span style="font-size: x-small;">Make sure the first property, vehicles and other valuable assets have been covered by insurance. Likewise with spouse and children. Protect them with health insurance and life insurance are worth it. Do not also buy insurance with long-term protection.</span><br />
<span style="font-size: x-small;">This type of insurance is expensive, but it will protect the money in the long run as well. Do not bet your savings on the risks that could come at any time.</span><br />
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<h3 style="text-align: left;">
<span style="font-size: x-small;">Taking on new debt</span></h3>
<span style="font-size: x-small;">We all hope that when it was at the age of 50 years free of thoughts about debt and other financial burdens. Because in just a few years from now, people will enter retirement, which means losing a steady income. Do not add more new debt such as buying a house or a new vehicle if it does not include this in your pension financial planning.</span><br />
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<span style="color: red; font-size: x-small;"><b>READ TO</b></span><br />
<a href="http://thegion.blogspot.co.id/2016/01/7-secrets-of-how-downsize.html" style="background-color: white; border: 0px; display: block; font-family: 'Droid Sans'; font-size: 19.6px; font-stretch: inherit; font-weight: bold; line-height: 27.44px; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;"><span style="color: red;">7 Secrets of how Downsize</span></a><a href="http://thegion.blogspot.co.id/2016/01/7-secrets-of-how-downsize.html" style="background-color: white; border: 0px; display: block; font-family: 'Droid Sans'; font-size: 19.6px; font-stretch: inherit; font-weight: bold; line-height: 27.44px; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;"></a><a href="http://thegion.blogspot.co.id/2016/01/5-ways-to-help-kids-appreciate-money.html" style="border-image-outset: initial; border-image-repeat: initial; border-image-slice: initial; border-image-source: initial; border-image-width: initial; border: 0px; display: block; font-size: 19.6px; font-stretch: inherit; line-height: 27.44px; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;"><span style="color: red;">5 Ways to Help Kids Appreciate Money</span></a><br />
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<span style="font-size: x-small;">Not doing rebalancing asset</span></h3>
<span style="font-size: x-small;">At age 50, you are already nearing retirement. One of the important steps that must be done is to rebalancing the asset. Definition of rebalancing is to adjust the percentage of the portfolio to suit its investment objective.</span><br />
<span style="font-size: x-small;">Immediately move the investment assets in more conservative instruments but minimal risk. Examples such as reducing the stock allocation of 70 percent to 50 percent and the rest is stored in the form of cash and bonds.</span><br />
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<span style="color: red; font-size: x-small;"><b>ALSO LIKE THIS</b></span><br />
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4 Financial Mistakes to Avoid at age 50 years If you are aged 50 years, this is the time to tighten our belts. Do not also make the mis...