Selasa, 26 Maret 2013


Financial planners advise clients on how best to save, invest, and grow their money. They can help you tackle a specific financial goal—such as readying yourself to buy a house—or give you a macro view of your money and the interplay of your various assets. Some specialize in retirement or estate planning, while some others consult on a range of financial matters. Don’t confuse planners with stockbrokers — the market mavens people call to trade stocks. Financial planners also differ from accountants who can help you lower your tax bill, insurance agents who might lure you in with complicated life insurance policies.
But CFP (Certified Financial Planner) is the most significant credential. A CFP has passed a rigorous test administered by the Certified Financial Planner Board of Standards about the specifics of personal finance. CFPs must also commit to continuing education on financial matters and ethics classes to maintain their designation. Typically, financial planners earn their living either from commissions or by charging hourly or flat rates for their services. A commission is a fee paid whenever someone buys or sells a stock or other investment. For reasons we’ll explain later, you may want to avoid financial planners who rely on commissions for their income. These advisers may not be the most unbiased source of advice if they profit from steering you into particular products.

Should You Use a Financial Planner?
You can certainly go it alone when it comes to managing your money. But you could also try to do it yourself when it comes to auto repair. In both areas, doing it yourself is a brilliant idea for some, and a flawed plan for many, many others. Mastering personal finance requires many hours of research and learning. For most, it’s not worth the time and ongoing effort. As you get older, busier and (it is hoped) more wealthy, your financial goals – and options – get more complicated. A financial helper can save you time.
Financial planners can also help you remain disciplined about your financial strategies. They’ll make the moves for you or badger you until you make them yourself. Procrastination can cause all sorts of money problems or unrealized potential, so it pays to have someone riding you to stay on track. We’re not suggesting that you ignore personal finance and turn over all your concerns to an adviser. But even if you know the basics, it’s a comfort to know that you have someone keeping watch over your money.
It may sound crazy to give someone 1% of your annual assets to manage them, but you get a buffet of advice about almost anything related to personal finance. The price becomes sensible when you consider that you’re paying to establish a comfortable retirement, save for your child’s college or choose the right mortgage when borrowing hundreds of thousands of dollars.

How to Find the Right Financial Planner
It’s best to go with a certified financial planner (CFP), which is an instant signal of credibility – but not a guarantee of same. To start, ask people like you if they can recommend a planner. If you have kids, ask a colleague who also has children. If you’re single and just out of college, check with a friend in the same boat. If possible, you want to find a planner with successful experience advising clients in the same stage of life as you.

A few more tips for finding the best planner for your situation:

1.       Consider the planner’s pay structure.
You typically want to avoid commission-based advisers. Planners who work on commission may have less than altruistic incentives to push a certain life insurance package or mutual fund if they’re getting a cut of that revenue. But fee-based advisers aren’t perfect. Advisers earning 1% of your annual assets might be disinclined to encourage you to liquidate your investments or buy a big house, even if those are the right moves at a particular point in your life, because their fee would shrink.
If you’re starting out and don’t have a trove of assets, an planner who charges by the hour could be the best fit. These planners are best for when your needs are fairly simple. Typically, hourly planners are just building their practice, but that usually means they’ll take the care to get your finances right. After all, they’re relying on your recommendation to grow their business. Finally, many experienced advisers do hourly work because they enjoy working with younger clients who can only afford to hire someone at that rate.

2.       Look for a fiduciary.
In short, this means the planner has pledged to act in a client’s best interests at all times. Investment professionals who aren’t fiduciaries are often held to a lesser standard, the so-called sustainability standard. That means that anything they sell you merely has to be suitable for you, not necessarily ideal or in your best interest. This point is critical, and should be a deal breaker if a prospective planner is not a fiduciary.

3.       Run a background check on your planner.
Start with these two questions: Have you ever been convicted of a crime? Has any regulatory body or investment-industry group ever put you under investigation, even if you weren’t found guilty or responsible? Then ask for references of current clients whose goals and finances match yours.

4.       Check to ensure the credentials the person claims to have are current.
Google them, see who administers the designation, then call that administrator to verify that the credential is valid. If your advisor is a CFP, discipline records are located here.

5.       Beware of market-beating brags.
Warren Buffet outperforms the market averages. There aren’t a lot of people like him. If you have an initial meeting with an adviser and you hear predictions of market-beating performance, get up and walk away. No one can safely make such guarantees, and anyone who’s trying may be taking risks that you don’t want to take.
Asking someone whether they’ll beat the market is a pretty good litmus test for whether you want to work with them. What they should be promising is good advice across a range of issues, not just investments. And inside your portfolio, they should be asking you about how many risks you want to take, how long your time horizon is and bragging about their ability to help you achieve your goals while keeping you from losing your shirt when the economy or the markets sag.


Kamis, 21 Maret 2013


Name                           :           AULIA AKBAR
Class                            :           3EB12
NPM                            :           21210220
Subjects                        :           English Business 2 (Softskill)

Menurut saya, Bisnis adalah suatu kegiatan ekonomi yang dilakukan oleh individu atau kelompok yang terlibat dalam bidang komersial, industri atau profesional yang berhubungan dengan produksi terus menerus dan teratur, distribusi barang dan jasa untuk memuaskan kebutuhan manusia. dan dari aktivitas tersebut akan diperoleh laba/keuntungan.
Jika saya ingin berbisnis, saya akan berbisnis dalam bidang asuransi jiwa. karena saya ingin membantu orang-orang menemukan perencanaan keuangan yang baik dan juga membantu menemukan solusi keuangan ketika sumber penghasilan utama terkena penyakit kritis, kecelakaan dan cacat tetap atau bahkan meninggal dunia.
Cara untuk memasarkan bisnis asuransi jiwa ini adalah dengan bercerita kepada orang-orang yang ketemu dan menjelaskan informasi tentang arti perencanaan keuangan, makna asuransi jiwa, manfaat asuransi jiwa. selain itu, sharing informasi tentang asuransi jiwa di media sosial, seperti facebook dan twitter, serta memberikan brosur yang menyediakan informasi tentang produk asuransi jiwa tersebut.

I think Business is an economic activity carried out by individuals or groups involved in the field of commercial, industrial or professional associated with continuous and regular production, distribution of goods and services to satisfy human needs. and from these activities will be obtained profits / gains.
If I want to do business, I will do business in the life insurance. because I want to help people find a good financial planning and also help find financial solutions as the main income source of critical illness, accident and permanent disability or even death.
How to market my life insurance business is to talk to people who meet and explain the meaning of information on financial planning, meaning life insurance, life insurance benefits. in addition, sharing information about life insurance in social media such as Facebook and Twitter, as well as provide brochures that provide information about these life insurance products.