Small Capital Business Opportunities

As a person who has a business spirit, we have a demand to always look for new business opportunities. Do not rule out the possibility, the new business that we will pursue only requires a small capital. Especially in the era of globalization that is increasing rapidly, will increasingly open your business opportunities with small capital. There are several business opportunities with small capital that we can make choices to develop.

1. Culinary

Most people assume that the culinary business requires large capital. But in reality, it is wrong though because the article with even a small capital culinary business can be run. Such as opening coffee shops, breakfast shops, fast food shops, and the like that can even be a high-class business. You can rent a place on the side of the road at an affordable price.

2. Credit Sales

There have been many who pursue this small business. Of course, we don’t need a lot of money in starting it. We only need a cell phone and sim card for each operator. In selling credit, even you don’t need a special place to sell. However, if you have more capital you can expand your sales area. You can also add several products such as starter cards, cell phone accessories, etc.

3. Selling clothes

You must be familiar with this third point. Of course many have speculated at such a high cost with this third point. Though this is not entirely true. Selling clothes is a business with a low capital, and will generate huge profits. Why? Because you can just be a drop shipper. After enough capital, you just start a higher business by becoming a reseller. You can sell at home, for example by going through

BBM, Instagram, and other social media. Of course, selling clothes on social media will increase your financial coffers. If you focus on selling clothing, it can be a big advantage because clothing is an item that consumers will always look for.

4. Service services

If you have expertise in areas such as drawing, design, repairing computers, creating websites, etc. You can sell the service to the people closest to you. If there are many people who use your services, set aside a little of your savings to expand or increase your business area.

5. Photo Copy Business

We can run a home photocopy business with a small capital. Of course, we can use this capital to buy photocopy machines, VHS, and some writing equipment.

6. Online Business

In the current era of globalization, technology is growing rapidly and increasingly leading to the online world. In order not to be outdated, of course, there are many people who have groped online business. Not infrequently from those who get a profit of 2x compared to sales at the store. This is because the products we sell online can propagate to cities, provinces and neighboring countries.

Those are some small capital business opportunities that can be used as our business ideas. The most important thing is to adjust your business to your abilities and preferences. So that your business can run longer and develop.

The information above is only a small percentage of opportunities for businesses with small capital. If you have other skills & potential, try to continue to explore your abilities & start introducing your products to friends & social media.…

How to Manage Family Finance

Have you ever wondered about how our mothers used to manage their finances? To pay for school, to meet the needs of snacks, to our (little) luxury needs? Even though only the father worked at that time. How do you manage the financial style of our mothers to stay afloat, and of course, without debt?
Mother, maybe not a financial planner, but their life and experience and value, has made them have the right way to manage finances. What is that? Here is some advice I’ve heard.


You are the “Best Hero” for your own finances

Honestly, there will never even be a celebrity knocking on your door to deliver a bundle of money to help with your day-to-day finances. So, have the knowledge and use that knowledge to finance your life.
It is very important to be financially independent so that no one can hinder your ability to make money and then live as you wish.

Create a budget for all your needs

Of course, enter it into your snack and coffee budget. Sounds very difficult and not an interesting idea, but that’s what you have to do. You can also try this idea. Calculate how much you usually snack, put it in a separate envelope, and only snack with the money.
So, try collecting bills last month, receipt of groceries from the store, pick up a sheet of paper and several envelopes and start counting. Remember, there will never come a handsome celebrity or prince with his limousine to save you financially, if you don’t do the right way to manage your finances, then you can always be short of money.
Distinguish between “I want” and “I need”
Among the interesting offers of massive discounts Berrybenka or Nordstrom, cash back in the cafes where we hang out, there are other more important basic needs such as nutritious food, comfortable homes, and quality education for us or our children later. So, be wise.

Save now and spend later

I still remember how my mother was patient, collected and sought additional rupiah for the rupiah to buy kitchen utensils that needed to be replaced because they had started to decay. Although there are ways to buy with credit, you prefer to save until you can afford to buy the items you want.
The feeling of satisfaction reflected on his face when the item arrived home without him needing to think about the bill, that is what I often remember. Save and tax later. It’s not just about how we live, but also about self-esteem and satisfaction, whether we have little or a lot of money.

Think carefully before making a big financial decision

If you are planning something big, whether it’s financial or not, make a diagram of the causes and consequences that may occur from those decisions.
No matter how small the decision is, such as replacing your two-wheeled vehicle or as big as a decision such as opening a new business, think about it, write on a piece of paper the consequences that you will face, then consider carefully. This will help you to recognize emotions such as hope or fear of the decision you take.

Save more than you can spend

In the past, when I got a large amount of extra money, my mother would ask me to save 75% of my savings in the bank and 25% for my wishes outside my daily snack.
Set aside first
Before dividing money for daily needs, set aside some for social needs or charity. Then savings and then our needs. My mother once said that this is our way to “save help” when we need it.

Own your own money

My mother married in the 70s. So, at that time my father left the house and became the only source of our finances. I see more and more fathers to make financial decisions concerning him. Different from mother; as far as I remember, never before did a mother buy a valuable item as she wanted.
Unlike the case when the mother begins to open the stitches at home, that’s when the mother is better able to buy what she wants. From here I learned, that making and owning money is better. In addition, of course, the money generated can be a reserve for family finances.…

How To Hire A Professional Expert Witness

As a lawyer, you know that sometimes you need the help of an expert witness’ testimonial to help you win your case. Finding the right one for your case might be a little more difficult than you would like. There is a lot of pressure to hire one that is experienced in the field of expertise you are needing. Below are some tips for hiring the best expert witness for your bank-related case on things such as criticized loans. Always hire a reputable consultant, such as the one found at mrichardsconsulting.com.

Online Directories

There may be a number of ways to find an expert witness for your case. One such way that is really popular is by searching online directories for experts. These online directories were set up to allow users such as lawyers the ability to search through listings based on specific locations and practice areas. Some directories will also have the contact and background information about each expert so that you can make a more informed decision before contacting them.

 

Professors At Local Colleges

Another option that some may choose to explore is contacting professors at local universities and colleges. One great benefit of this option is that they will be located nearby. Also, a local professor may resonate better with the jury and view them as more qualified compared to someone you may hire from another geographical location. An added advantage of speaking with professors about being expert witnesses is that they will typically not cost as much as a professional expert witness would.

 

Personal Network

The last option to consider would be to find someone in your personal network. It could be someone you have hired before or maybe another professional you work with that may owe you a favor.

All in all, there are many options to finding the perfect expert witness for your case. If you are working with a small firm or on your own, it may be best to find a witness that does not charge too much. These listed approaches to finding an expert witness can help you cut down costs and time in your search.…