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Rabu, 12 November 2008

First, how he was able to wake up in the morning is a miracle that extraordinary. Even have lost consciousness at all during sleep, but the next day he returned again to the awareness and virginity. Rattle heart, he can breathe, talk and see. In fact, when he went to bed, there is no guarantee that this will all return to normal in the morning. He also did not experience any night. For example, the omission neighbors who live in the home can cause gas leaks that can explode and membangunkannya that night. A natural disaster that can be soul can only occur in areas where.

He may have a problem with the physical. For example, he could wake up to sleep with the pain of extremes in the kidney or head. However, none is going to sleep and wake it in the safe and healthy. Thinking that encouraged to thank God up to love and care given to him.

Starting the day with a new prime health that have the meaning that God gives back a chance that someone can dipergunakannya to get a better fortune in the Hereafter. Will remember all this, the attitude is the most appropriate time to spend the day in a way that diridhai God.

Before everything else, someone must first plan and is busy thinking about things like this. A starting point in getting keridhaan is to ask God to God memudahkannya in order to overcome this problem. Prayer of the Prophet Solomon tauladan which is good for those who believe: 'Lord give me inspiration to remain grateful that you have ni'mat you gave to me and to the two mothers and father to do good deeds that you ridhai; and I admit with thy mercy to the servants of thy righteous "(An-Naml QS., 27: 19)

How human weakness encourage someone to think? The human body is so weak when just wake up from sleep can encourage people to think: every morning he must face wash and scrub the teeth. Aware of this, he also ponder about the weakness-kelemahannya the other. Keharusannya bath every day, the appearance will be seen if the body does not unnerve covered by epidermis, and a feeling of drowsiness ketidakmampuannya, hunger and thirst, are all evidence of his weakness.
small business

Everyone knows the current lending environment is a challenge--especially if you're trying to finance a startup. Yes, there's still financing available for qualified people, but selecting the right funding strategy is more important than ever. It's time to get creative when thinking about financing options.


Despite what you hear on the news, money is available. There are institutions and individuals who haven't been affected by the housing market and still have money to lend. It's important to note, however, that we're seeing some big changes from traditional lending procedures in the franchise industry.

The first change is that it's more important than ever to start sourcing financing options before even choosing the franchise you want to buy. While historically we've seen much of the franchise finance market driven by home-equity lines of credit, this type of financing is more difficult to obtain in the current financial climate. Therefore, it's never too early to look into financing alternatives.

Another change is that your credit score is far more important now than it was even a few months ago. In today's climate, getting financing will be difficult with any credit score below about 700.

Also, once you've decided on your franchise and are approved for a loan, act on it quickly. Lenders aren't going to leave credit commitments outstanding for 30 days or more the way they used to; they want you to act in five to 10 days. If you don't take it, they'll cancel their offer and lend the money to someone else.

In the past, people relied on time-tested approaches for franchise loans; but in today's economy, you may need to get more creative. Here are three alternative funding sources to consider:

Franchise Funding Specialists
How do you know which finance options might be best (or even available) for you? Companies such as FranFund or Guidant, which live in this market every day, can explain potential strategies you can use in your financing efforts.

These companies typically have established relationships with various lenders that specialize in one or more types of franchise financing. They may also offer equipment-leasing options, signature credit lines, 401(k) rollover products, SBA lending, conventional lending, etc. Finally, they can tell you how much credit is realistically going to be available to you.

After gathering your financial information, the franchise funding specialists will formulate a lending strategy with you. Once you make the final decision to proceed, they will package your information and follow the process from beginning to end. Their knowledge and relationships in the industry are critical in expediting the transaction, and these companies typically don't charge a fee for their services until or unless you actually receive your financing. So the upfront risk to you is limited to a small amount of your time.

Cash is King
We've heard it before. Well, this is never truer than in uncertain economic times. Many executives have been or are going to be displaced in this market shakeup, and they often receive a significant amount of cash to help them transition out of their old jobs.

This cash can come in the form of severance pay (lump sum or otherwise). It can also come as benefit continuations, retirement account settlements or rollovers. Ask yourself how you're going to "invest" this cash in an effort to re-create your lost income or, better yet, build some additional wealth for your family.

Consider investing it in yourself by building a franchise that can support you. Many people, after considering this idea, come to the conclusion that they can produce at least as high a return using this strategy as they would in the stock market. They will also have far more control during the process.

from jelf elgin - entreprenuer.com
BENEFIT JACKKNIFE

To benefit more done with a pleated mengotak-atik income and costs. Because the formula is the income benefits reduced cost. The first step is done with income menggenjot do with aggressive marketing. Revenue is the multiplication of the price with the volume of sales. Various marketing strategies used to increase the volume of sales, from the cost leadership strategy in a holistic strategy to differentiation. Not enough with that strategy, plus more focus, focus on the leadership of both costs and focus extensively on differentiation. Cost leadership strategy in a holistic weight advantages compared to competitors and price differentiation strategies on the benefits of the product, personnel, services, channels and the image compared to competitors. Meanwhile, to reduce costs by making efficiency soundly in all lines. Sometimes even lines on the development of human resources, facilities such as education, training, health benefits and sebagaya trimmed out. But thus trimming the cost of the development of human resources that the company is dropping, because the effect on the company's overall revenue. This caused the fall of the business to employees.

There are other ways to increase profits, which folded as the Ali bin Abi Talib. "O woman, whether you have something that can be eaten husband?" Question to his wife Fatimah Ali. "By Allah I do not have the skills, Namur is no money Dirham 6 from the results of wage twist hair. Money will I buy food for Hasan and Husayn "Fatimah responsibility. "O noble woman who, given money to me is 6 Dirham" said Ali. Fatima and 6 Dirham give money to Ali bin Abi Talib. After the money is received, Ali outside the house with the intention to buy food for both her sons. Suddenly in the middle of the road he met a man that said "Who would meminjami God, the Controlling Dzat and certainly He will fulfill his promise." Ali eventually approach the person with the money Dirham 6 under the house from a bit of dibelikan to eat their children. After the money was given directly Ali home.

When Fatima knows her husband to return home without bringing any food, he continued to cry. See his wife crying, Ali directly asked "O noble woman, what you crying?". "O Messenger of Allah uncle, son, I see you bring home with no food iota" Fatimah responsibility. "O noble woman, I have 6 Dirham menghutangkan money was to God" said Ali. "If you do, that I agree" said Fatimah.

Then Ali bin Abi Talib out trying to place the Messenger of Allah, suddenly in the middle of the road he met a Bedouin who are guided camel. Ali then approached the Bedouin, the Bedouin said "Father, Hasan, buy this camel." "I do not have the money to buy a fully untamu's" Ali said. Bedouin: "I sell camel dihutangkan this way." Ali: "If so, how this harunta you selling?". Bedouin: "I sell it with the price of 100 Dirham." Ali: "OK, I bought this camel, but only after the payment later I get the money."

After the Ali bin Abi Talib camels lead the new purchasing. But not so much by Ali to face a Bedouin others, who asked him "Father Moore, whether you want to sell camels you plug it?". Ali: "True, I want to sell this camel." Bedouin: "How much does it cost?". Ali: "The price of 300 camels this Dirham." Bedouin: "OK, I buy untamu with the price."

After the Bedouin to approve the price, he immediately pay 300 Dirham in cash to Ali. After receiving the payment, Ali control of the she-camel to the Bedouin was. Then he returned to his home. Fatimah know when her husband came, he with the smile of love saying, as practices that do every time he welcomed the advent of her husband. Fatimah then asked him "Father Hasan, what you take today?". "O daughter of the Prophet Muhammad, I have to buy an animal with a camel dihutang how to pay for 100 Dirham. I then sell the camel with the price of 300 Dirham in cash "replied Ali. "I agree only on what you do, provided that bring death and improvement" said Fatimah.

After chatting with Fatimah is enough, he went out again to the right Messenger. At the time he entered the door of the mosque Prophet with a smile and see when Ali is near, he said, "Father Moore, whether you talked to me that, or I give the news to you?". "You just give the news to me," replied Ali. The Messenger of Allah said, "Father Moore, whether you already understand, is actually a Bedouin camel to sell it, and both the Bedouin who buy?". Ali: "Allah and His Messenger know better." Messenger: "Lucky once you are lucky ... ... ... ... ... .... Lucky ... ... ... O Ali, you have trust with 6 Dirham God, Allah memberimu 300 Dirham as a substitute for every Dirham get 50 Dirham. The Bedouin are the first Gabriel, while the second is Isr
MEMULAI HUKUM BISNIS

When I return home, on the day of Idul Fitri my friend for me, that he will aspire to become entrepreneurs (Entrepreneurs). A year later I met my friend again, and then I asked "What is so businessmen." He said "not yet, I have my capital (capital)." Nevertheless, he still aspire to be entrepreneurs. On the day of Eid ul-Fitr next I met my friend again, and the iapun not become entrepreneurs. I remember the story hehe. He said in front of the King Aaron Ar-Rashid that he will be flying. Hehe hear the word of the King Aaron Ar-Rasid said in his heart "So this is my opportunity to defeat hehe." Then Aaron King Ar-Rashid said, "O hehe. What was katamu? ". "Sorry, the King, when the stage gave me a high, the servants will be flying from the stage" said hehe. "Let hehe, I will make a higher stage, but after the Friday prayer front of you should have been preparing to fly" said the King should be Ar-Rashid. "The servant ready to" answer hehe. A week later, after the Friday prayer, people have gathered in the plaza to witness hehe will be flying. Hehe wait to be king of the Ar-Rashid under the stage around the tower 12 meters high. Shortly Aaron King and the Ar-Rashid arrived in the plaza that dielu welcome by the people, then approached hehe. "You are ready Abu?" Ask Aaron King. "It is the" responsibility hehe. Hehe then climb the stage to the high above. Then he was greeted with a standing-please please panic, "How hehe flying from the stage without bringing any equipment. If the fall hehe surely die "gumam in their hearts. Hehe lift one foot and swing-ayunkan both hands like a bird will fly. Then replace the one who appointed one foot and tilt-sliding his hands again. The act was hehe repeated so that people feel bored hehe see the whimsy, and they cry "He said you will be flying. Kok only once. " Hehe replied "I only said I will be flying. During this I see. I will be flying now. " Aaron see him smiling behavior and answers hehe, and the feel lost. Hehe be given prizes. That is, if you will only become a businessman, then forever will be the only businessman and never become a businessman. This is because there are legal start a business.

Start a legal business such as law styles of a String object. It is my style, since my high school class one. My teacher said that the objects that have a quiet style String relatively higher compared with a moving object. Style It occurred when the objects will move. Similarly start in the business (business). When will start a business, big obstacle. After running the business, the obstacle is relatively small. Bottlenecks occurred during the first day of opening a business. My neighbor says to me "Pak Yanto when I open the shop on the first day, a horror house gusty once. But after running my shop, I do not seribut on the first day I open the shop. " That is the law to start a business.
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Selasa, 04 November 2008

ISLAMIC BUSINESS.....

MARKET MUSHAQAAR

Weekend trading in Mushaqqar, a city famous in Hijar held from 1-30 Jumadi al Awwal lasts a month or full. Hijar is one of the provinces of Bahrain at the time of Prophet Muhammad. Bahrain is located in the eastern part of Peninsular Arabia, emphasized the word with Musnad Ahmad, on the beach that stretches from the Persian Gulf Basra Strait of Hormuz to the broader Bahrain at this time. The people that live in this province are descendants of the tribe of Banu Qais Abdul. Bahrain on the Messenger of Allah. consisting of three provinces, namely Hijar (now called Al-Hasa is located in Saudi Arabia), Al-Katt (now named Al-Qatif also located in Saudi Arabia) and Home (now the region is called Bahrain). First name used until the eighth century, the name taken from a sesembahan idols used by the residents in these islands before the arrival of Islam. Home worship center called Muharraq.

People of Bahrain are among the first people who embrace Islam. People embrace Islam in Bahrain, 629 (seven years to hijriah). Messenger ruled Bahrain through its representative, Al-Ala'a Al-Hadhrami. When hundreds of messengers came after the Islamic victory in the city Mecca, one of them Qais Abdul, came to the Prophet. Next, ask them to call and tell their leaders, namely Al-Ashajj. When facing, the Prophet also submit various questions, about the residents of various cities and their affairs. In particular, the Prophet also mentioned the names of Sofa, Musyaqqar, Hijar and several other cities. Their leader Al-Ashajj, very impressed with the extensive knowledge of the Prophet about his country that he says "father and mother will sacrifice for the sake of you, because you know more than a lesson about their own and I know the names of more cities in our country than that we know. "Even the Prophet to know people of Bahrain customs, way of life of the population of Bahrain, the way they drink and how they eat. This shows that the Prophet visited Bahrain many times. Prophet visits to Bahrain, is estimated between the ages of 18 to 25 years. In this period the Prophet Abu Talib request to run their own businesses in order to alleviate bebannya, because Abu Talib is not so rich and must fend big family. Based on this entire trip to the Prophet neighboring countries is the travel business (Afzalurrahman, 1982).

At the time of Bahrain under the Islamic government have no effect on trade and sustainable prosperity rely on the market in Mesopotamia. After developing into the central Baghdad government of Islam, Bahrain, a big gain with increasing demand for the development of foreign goods, especially from China and South Asia. Bahrai become a major hub of knowledge from the beginning of Islam (the sixth century) until the ninth century.

Tags: Asia, Bahrain, China, Islam, Mushaqqar, Saudi Arabia | Posted in Market
Learning From Failure
Failure is a label that often we connect with an action that is not successful, and so applied, the label is to make people who said we could not afford. This is the spirit lower our people to become successful. At the moment we are still small, the failure does not have meaning, because we do not have the concept of "failure". If we have the concept of failure, then we will not be able to speak, will not be able to write and will not be running. Due to speak, write and walk through failure that must be incalculable amount. Similarly in the business world can also emulate a failure in our infancy and we can learn from the failure.

Coca-Cola experienced a failure in the first year of sales. Sales made by Coca-Cola beverages in place in the front desk and spend 73.96 dollars to the campaign through banner ads and coupons. Failure to make the Coca-Cola to create awareness of other media, the mass media, which have more strength disbanding other media at that time and promote Coca-Cola with the atmosphere of merriment.

Matsushita accounted for the first time is a plug adapter. This adapter has indeed diusulkannya to her employer earlier but did not get a response. To create this product, along with four Matsushita i take four months. Once the product is so, it appeared that no one would buy this product.

In 1993, Compaq, which at the time as the sale of the PC market leaders, through cutting the price to rival Dell. The result Dell Computer suffer losses 65 million dollars in the first six months, which caused almost bankrupt. Dell to learn from failure. He tried to find other ways to sell computers. Dell eventually make a very fundamental change in business process re-engineering that is called. in the business introduce the E-Commerce. In 1999, Dell can sell 1.7 million dollars per day through the site E-Commercnya. Dell shares rose 2,000 percent in two years. Dell is able to compete with world-class companies such as IBM, Compaq, HP, and Bell-NEC. Even the market share and profits continue to increase and eventually become the largest PC seller in the world.

When I started the business with friends, I experienced repeated failure of the back. I started with the failure of a book salesman, salesmen telex by phone, and car salesmen pengkilap materials. Primagama that only get 2 students in this campaign has been doing quite frequently. CV. Wijaya, the company that serves the car care services, which eventually die. Similarly start a business center computer education "IMKI", only 3 students and AMIKOM trusted by only 6 students. I'm with friends to try to learn from failure, and then make corrections and fix mecoba to achieve success

Learning From Failure
Failure is a label that often we connect with an action that is not successful, and so applied, the label is to make people who said we could not afford. This is the spirit lower our people to become successful. At the moment we are still small, the failure does not have meaning, because we do not have the concept of "failure". If we have the concept of failure, then we will not be able to speak, will not be able to write and will not be running. Due to speak, write and walk through failure that must be incalculable amount. Similarly in the business world can also emulate a failure in our infancy and we can learn from the failure.

Coca-Cola experienced a failure in the first year of sales. Sales made by Coca-Cola beverages in place in the front desk and spend 73.96 dollars to the campaign through banner ads and coupons. Failure to make the Coca-Cola to create awareness of other media, the mass media, which have more strength disbanding other media at that time and promote Coca-Cola with the atmosphere of merriment.

Matsushita accounted for the first time is a plug adapter. This adapter has indeed diusulkannya to her employer earlier but did not get a response. To create this product, along with four Matsushita i take four months. Once the product is so, it appeared that no one would buy this product.

In 1993, Compaq, which at the time as the sale of the PC market leaders, through cutting the price to rival Dell. The result Dell Computer suffer losses 65 million dollars in the first six months, which caused almost bankrupt. Dell to learn from failure. He tried to find other ways to sell computers. Dell eventually make a very fundamental change in business process re-engineering that is called. in the business introduce the E-Commerce. In 1999, Dell can sell 1.7 million dollars per day through the site E-Commercnya. Dell shares rose 2,000 percent in two years. Dell is able to compete with world-class companies such as IBM, Compaq, HP, and Bell-NEC. Even the market share and profits continue to increase and eventually become the largest PC seller in the world.

When I started the business with friends, I experienced repeated failure of the back. I started with the failure of a book salesman, salesmen telex by phone, and car salesmen pengkilap materials. Primagama that only get 2 students in this campaign has been doing quite frequently. CV. Wijaya, the company that serves the car care services, which eventually die. Similarly start a business center computer education "IMKI", only 3 students and AMIKOM trusted by only 6 students. I'm with friends to try to learn from failure, and then make corrections and fix mecoba to achieve success
HALOOOO .......
My name is Wandawati, call me wanda.iam from yogyakarta.iam Information Science students are in private universities diyogyakarta.now I presume will be a test. Iam hobby of reading, including reading about science.