BisnisAbiz

Sabtu, 27 Mei 2017

Bisnis sampingan Yang Menguntungkan Untuk Pemula


bisnis sampingan untuk pemula
Ingin Memulai bisnis sampingan gan ? yuuk! cekidot ;) sangat wajar jika anda ingin memulai bisnis sampingan! bahkan saya pikir hal tersebut adalah hal yang sangat normal dan masuk akal! karena 99% orang yang melakukan bisnis sampingan cenderung nothing to lose atau tidak rugi sama sekali! afterall, siapa coba yang mau rugi! 😂 pastinya anda tidak bukan ?

Kalau kita berbicara tentang bisnis sampingan pada dasarnya ada banyak Mulai dari A sampai Z! bahkan jumlahnya bisa ribuan atau pun tidak terhitung! akan tetapi untuk kali ini saya tidak akan membahas dan memberikan ribuan contoh tersebut! karena pastinya tidak akan efektif dan efisien, mengingat waktu dan mungkin juga skill set anda, serta back ground pembaca blog ini pastinya sangat bervariasi! jadi kalau saya bilang bisnis sampingan A adalah yang paling bagus! belum tentu ketika anda mencobanya bisnis sampingan tersebut akan menjadi bisnis sampingan menguntungkan bagi anda!

Bisnis sampingan terkait:

Akan tetapi jika bisnis sampingan tersebut di sesuaikan dengan diri anda, dan anda sudah mempunyai sumber yang cukup! entah itu peralatan, modal atau mungkin hal lainnya yang mendukung! kemungkinannya adalah bisnis sampingan tersebut akan menghasilkan uang tambahan untuk biaya dapur anda! 😎


Tanpa panjang lebar saya akan berikan beberapa tip tentang bisnis sampingan yang bisa anda kerjakan! dan bisa menghasilkan! saya bisa jamin, asal anda konsisten dan fokus pada bisnis sampingan tersebut, kemungkinan untuk mendapatkan profit atau untung, bisa terbilang cukup besar! berikut adalah beberapa tip ampuh yang bisa anda lakukan! 

Tip yang pertama adalah, Jangan lari terlalu jauh! Karena orang bijak mengatakan! buah tidak akan jatuh jauh dari pohonnya! 😂 Memang tidak nyambung! akan tetapi dalam ekosistem bisnis, yang paling murah, dan yang paling cepat akan berpotensi menjadi salah satu yang terbaik! 😎 itu artinya anda harus membuat atau menawarkan suatu produk semurah mungkin dalam tempo yang sesingkat singkatnya!(proklamasi kaless) Memang ada pengecualian! karena faktanya tidak semua produk murah menjadi pilihan terbaik! lantaran kualitas harga murah pastinya suck so bad! 😂 akan tetapi harga murah kualitas baik! pasti akan menjadi yang terbaik! lagian siapa coba yang tidak mau kualitas eropa harga China! betul tidak ? 😎

Untuk mencapai dan mendapatkan harga murah, kemungkinan besarnya adalah anda harus tahu tentang produk tersebut! anda tahu pasar produk tersebut, dan anda harus tahu satu dua trik tentang cara kerja bisnis tersebut! itu artinya jika anda karyawan pabrik sepatu, lantas anda jualan produk Google Ads! percaya atau tidak percaya gan! anda membuang buang waktu anda! 😎 akan tetapi jika anda menjual sepatu dan membeli harga murah dari pabrik, dengan kualitas tinggi! percaya atau tidak percaya gan, anda akan menjadi juragan sepatu di BEKASI! 😂😍 

Tahu tidak kenapa hal tersebut bisa terjadi ? 😎 alasan pertama adalah, puluhan atau mungkin ratusan ribu orang itu butuh sepatu! berdasarkan atas data Google Pencarian, jumlah orang yang mengetik kata kunci sepatu kurang lebih dari 1 juta orang! 😍! untuk sepatu futsal saja mencapai 60 ribu orang setiap bulannya! sepatu nike 200 ribu orang! dan kata kunci lainnya seputar sepatu , kalau di jumlah mencapai jutaan orang!😎 Bule bule mengatakan, kalau ada demmand, atau permintaan! sudah pasti kalau anda bisa tawarkan, anda akan mendapatkan penjualan! 

Contoh, ada banyak orang melakukan aktivitas joging, atau lari pagi, di area sekitar bundaran HI! dari sekian ribu, pasti ada saja yang haus betul tidak ? kalau ente ngejogrog!(bahasa bekasi) dan menawarkan pak air! murah kok cuma 5000 perak! 😎 apa iyah gan, dari sekian ribu tidak ada yang membeli ? pasti ada lah beberapa ratus orang yang tergiur dengan produk anda! tapi lain cerita ketika anda bilang! pak Air mineral, harganya cuma 1000 loh! 😎 kira kira menurut anda apa yang akan terjadi ? yep! 80% orang yang haus akan lebih memilih produk anda! ketimbang mereka harus capek capek bawa satu galon air! betul tidak 😂 lagi pula siapa coba yang mau capek! ;) 


Ok, kita next aja ke tip yang kedua! 😎 Promosi! iklan, brosur, diskon, bonus or what soever! tapi intinya adalah anda butuh pemasaran atau marketing agar produk anda di kenal dan diketahui orang banyak! Promosi dalam bisnis adalah salah satu hal yang paling krusial! karena faktanya gan, siapa anda ? betul tidak! ketika anda memulai bisnis pasti lah, orang orang tidak akan tahu! dan bahkan saya yakin, tetangga anda juga belum tentu tahu! betul tidak ? tapi ketika banyak orang tahu, atau bahkan ribuan orang tahu! percaya atau tidak percaya suatu produk akan melekat pada image atau diri anda! 😎 hanya saja promosi atau marketing membutuhkan waktu untuk menemukan hasil puncaknya! 

Sama seperti hubungan! kalau pun anda ganteng, atau cantik! kan belum tentu ribuan orang berminat pada diri anda! betul tidak ? tapi percaya atau tidak percaya gan, meski pun tampang ane pas pas an, udah gitu dekil and the kumel! kalau ane sering ngejogrog, di google pageone! percaya atau tidak percaya, ribuan wanita akan bilang! boleh juga tuh! 😎 padahal gan! ganteng juga kaga, kaya juga nggak! 😂 but my poin is, sering promo! pasti produk anda akan terkenal!  tapi kalau anda tidak promo! kemungkinan besarnya adalah anda tidak akan laku! 😂 ooops! maksud saya produk anda gan! 😂 tapi juga gan! jangan setiap kali ente ketemu orang di mana saja kapan saja anda! anda bilang gini, Mau sepatu ? yuuk di beli! 😂 terus anda bilang SALAM SUPER! 😂 gak gitu juga kaless! harus terkait dan pada porsinya! atau anda pasang stiker di baju atau mungkin di motor anda! kunjungi, sepatuAdendotCOM! sepatu murah! pokonya semacam itu 😂 promosi tapi tidak ganggu!


Tip yang ketiga! improve your skills! kemampuan atau skill terkadang sangat penting! entah itu soft skill (pinter bacot) atau mungkin teknik skill, atau mungkin juga spiritual skill, itu sangat penting! karena biar bagaimana pun, kita harus menguasai dan ahli pada bidang tertentu! terutama pada hal yang terkait dengan bisnis kita! karena kalau tidak, kemungkinannya adalah anda akan kalah bersaing lantaran kurang dalam soal skil dan kemampuan! itu artinya not good! 😎 terkadang dengan skill yang kita miliki, bisnis kita bisa berubah secara dramatis, entah itu dari sisi efisiensi, efektivitas, atau mungkin juga profit! 

Sebagai contoh, ane pemain bisnis online! ane ngerti betul tentang SEO, SEM, bikin web, dan seterusnya! beberapa orang akan membutuhkan modal ratusan dolar atau puluhan juta hanya untuk membuat web bule dengan bahasa inggris! sementara ane gan, hanya butuh biaya $4! 😂 jadi bayangkan gan! $4! for GOD sake! 50 ribu! bisa bikin blog bule! 😂 Amajing sekali bukan!(muji diri sendiri)  dan kalau pun web bule ane, tidak berhasil! who cares ! siapa yang peduli bukan! wong cuma 50 ribu! 😂 lagian gan, belum tentu loh blog bule puluhan juta bisa berhasil! 😎 and that's a fact! soalnya ane pernah nyoba bikin web bule abis 5 juta! berhasil kaga, amsyong iyah! 😂 huahaha! 

Kalau di tanya kok bisa biaya 5 juta menjadi 50 ribu ? well, caranya adalah belajar dari pengalaman! karena ketika kita melakukan sesuatu yang sudah kita paham, kemungkinan nya adalah biaya akan mengecil, lantaran kita sudah tahu segala hal tentang mekanisme bisnis tersebut! dan dari awal saya sudah katakan, jangan jauh jauh dari root anda! karena semakin jauh semakin rugi! tapi semakin dekat semakin hemat! betul tidak  ? 😎


Tip yang terakhir! last but not least! Bisnis pada dasarnya butuh waktu, jadi saya tidak heran jika beberapa orang menganggap bisnis mereka sebagai sampingan saja! tiba tiba beberapa tahun kemudian, bisnis mereka menjadi salah satu yang terbesar! 😎 contoh Bulak! owner nya dari awal cuma test iseng saja! tapi karena konsep mereka bagus, al hasil sekarang setara lah dengan toped, dan Lozodo! Tapi satu hal yang ane suka dari BUka Lapak! mereka kalau copas artikel ane, masih ngasih link ke blog jelek ane! 😂 setidaknya mereka lebih baik lah, dari pada yg lain! 
Anywho, Memulai bisnis sampingan dari apa yang anda sudah ketahui dan berkecimpung dalam industri tersebut adalah sesuatu yang mungkin tidak anda duga! bisa berhasil menjadi yang terbaik atau tidak berhasil alias ZONk! but let's not go there first! karena hal yang utama yang mesti anda pikirkan adalah, bagaimana anda bisa menggunakan sumber yang sudah anda miliki untuk mendapatkan sebuah keuntungan besar! jika anda bisa melakukan ini, entah itu sampingan atau bisnis serius sekali pun kemungkinannya adalah anda tidak akan rugi rugi amat! jadi ketika anda untung! maka persentase profit anda bisa mencapai ratusan ribu persen! contoh, ane bikin blog bule modal $4! kalau berhasil incomenya bisa mencapai kisaran 2000 usd sampai $4000 usd! setiap bulannya! dan kalau di hitung hitung, modal $4 profit $4k USD, adalah sekitar 100.000% 😎  memang terdengar indah! tapi tetap proses dalam bisnis pastinya tidak akan mudah! 😎 perbedaan antara pebisnis dengan orang biasa adalah, mereka tidak tahu! sementara anda tahu betul proses nya itu seperti apa! tapi juga kan tidak perlu menulis status tentang drama kehidupan anda di wall FB betul tidak ? 😂

Tapi intinya adalah, gunakan sumber daya yang ada! jangan lari kejauhan untuk memulai bisnis! entah itu sampingan, dagang, usaha kecil kecilan atau apa pun itu! anda harus bisa memanfaatkan sumber yang ada! karena hal tersebut adalah salah satu cara yang paling efisien sekaligus efektif untuk mendapatkan return profit ratusan ribu persen! 😎 masa suram pasti ada, tapi setidaknya anda sudah pernah mencoba mengalami profit ratusan ribu persen! dan hal itu menurut saya patut untuk di banggakan! terlepas dari bisnis apa pun itu! 😀 

Mungkin ada beberapa kasus yang di mana sumber daya anda tidak memadai, untuk memulai bisnis sampingan! entah itu dari faktor back ground anda, pengetahuan, lingkungan atau pun modal sekali pun! anda bisa mengakali nya dengan bertanya dan belajar dari para experts di industri yang akan anda incar! tapi usahakan juga harus masih dari orang terdekat! misalnya anda punya kolega, atau saudara! bekerja di perusahaan sepatu! yah tidak ada salahnya untuk bertanya dan belajar banyak tentang sepatu tempat di mana dia bekerja!  pasti satu atau dua hal, dia tahu sesuatu yang anda tidak tahu sama sekali tentang industri sepatu! 😎 dan tugas anda adalah, mempelajari nya, menghafal, dan mencari solusi terbaik, agar masalah yang di hadapi bisa anda pecahkan dan mendapatkan jalan terbaik untuk mendapatkan keuntungan besar!

Misalnya harga sepatu untuk karyawan pabrik bisa sangat murah sampai 50% dan jika membeli dalam jumlah banyak entah itu ratusan atau bahkan ribuan! harga bisa lebih murah lagi! jadi masalahnya adalah jumlah pembeli skala besar! sementara modal anda tidak ada! solusi nya adalah, anda cari teman yang siap keluar modal besar! 😎 karena dari ratusan teman, pasti ada saja yang siap keluar modal! selama hal tersebut menguntungkan! tapi sebelum ke sana, dan kejauhan coba lakukan tindakan! action,! dan aksi bukan berarti anda harus salto sana sini! cukup bertanya, dengarkan penjelasan dari orang dalam dan sebagainya! cukup muda bukan! 😂 so mulai sekarang! lakukan bisnis sampingan dari apa yang sudah anda miliki! karena hal tersebut bisa berpotensi mendapatkan profit hingga ratusan ribu persen! 100.000%
Bisnisabiz »
Ditulis oleh: Bisnis dan peluang usaha BisnisAbiz Updated at : 16.53

Kamis, 25 Mei 2017

Wright Patt Credit Union Review


wright patt credit union

Wright Patt credit union  is one of top 50 credit union in USA, so I am sure they can give you very nice offer! they have many loans such as auto loans, home loan, student loans and etc! but to be honest, I quite interested with their credit cards offer! because they said, their APR are 7%, no annual fee, no cash advances fee, and etc!  to be honest not many credit cards can give this good offer! but of course since wright Patt are federal credit union, so I am not surprise if they can give such a nice APR!

If you have no credit history or maybe bad credit score! they also have secured credit cards! so for first timer or students that want to establish your credit score, you can try their secured credit cards! and also their APR are quite standards, about 17% no annual fee, no cash advances and etc! credit limit for first years about $500! after 1 years, then you can apply and increase to $1000! so I think its fair enough, because most of company will lowering their credit limits for people that have no credit history! After 1 years or 2, then you can increase your credit limit! 

the benefit using secured credit cards with Wright Patt is you can get better offer from other company! and also their APR will not high!  so its good place to build your credit score! because if you have good score, the chance to getting credit from different sources will increase! because your score will be recorded and visible to other institution! such as bank, or private loan company.

the only weakness from them is, they only accept application that live near Ohio! other than that, you have to apply with federal credit union in your states! after all its federal credit unions! and if you live near Ohio, you must have them! because if you can build high score with them! in future it can help your business funding! and I am sure, if your business run smoothly! I don't think they will hesitate to top up your limit, up to $30K ! because most federal credit union, actually if you have good report with your bank account! they can see that you have healthy cash flow! and that could be a good reason to increase your credit limit! and most credit cards company, actually can track your money in bank acc ! 😎 

that's why if you have big saving in your bank account! most of the time, some credit card company will send offers! 😂 either its calling or send offer via email! and to be honest, sometime I also wondering, how the heck they now my money ! right ?  😂 because when I have big saving,  a lot of credit card company give me good offer! but when I have zero, that's it! they don't call me anymore! lol! 😂 so my assumption is, actually they have access to see how much! and with that data, they can decide how much your limit is! its something like price tag for credit! 😂  but I never said, wright Patt can see like other company! I am just saying most credit cards company can see your bank activity!what can you expect from lender! right ? 😂

anyway, if you live near Ohio, you must have Wright Patt Credit cards! because once your score establish or have high scores! you can get credit cards from them! it mean low APR only 7%, no annual fee, no cash advances fee, and etc! even Citibank, can't give 7% APR! 😎

Bisnisabiz »
Ditulis oleh: Bisnis dan peluang usaha BisnisAbiz Updated at : 15.18

can you get a credit if you have bad credit ?


credit cards for bad credit score

Actually you can get a credit cards even if you have bad credit! :) because most of credit cards company are smart! for sure, they are realize a lot of people have bad credit still  want credit cards! 😎  and because of that reason some people build company based on that particular markets! but what you have to realize most of these company basically don't trust with you! and because of that actually sometime doing unexpected action! such as, lowering your credit limit, High APR, no intro APR, high annual fee and so on! 

But I do understand what are they trying to do! just lets said that kind of business methods are something like Credit cards risk management! 😂 and to honest, I don't blame them, since your credit cards are not good! so I have to accept about their TOS or rule of the games! but my suggestion is, if you have bad credit score! try to fix it, and improve or increase your credit score! so in future you don't need to dealing them again! 😎

So the question is how to build your credit score ?  for most people that don't have credit history or new user, actually you can build by applying secured credit cards! it also apply for people that have bad credit score! because when you have low FICO scores! doesn't mean you can increase your score! to increase your score, you have to understand how FICO  credits score! if we talk about FICO score basicall they have 5 part important things that you should manage! 

first 35% of credit score are based on time payment! more 30% are about how much you owed! 15% are based on length credit history!  more 10% based on credit variation, such as car loans, home loans, student loans and etc! and other 10% are focus on new credit! if you apply new credit cards its also count! because people that apply to many credit cards for short periods of time could be bad indication! 

Implementation! start to open with secured credit cards! purchase something, or money transfer, or took cash advances! choose tenor1 years or maybe more! always pay your credit bills on time! try to make variation if you think can handle other loans variation! such as student loans, home loans or what soever! don't apply with new credit cards! because if you do that, its something like digging a holes to cover another holes! and it is bad method to solve your debt! if you can do this and manage your debt, see your credit score report! most of company will give you free credit scores report! watch the score and see the result! 

If you have high credit score, try to apply with federal credit cards union! because most these company have lowest APR about 8% and most of them will not hesitate to give you high credit limits! just tell them you have business to run, and need capital for expansion! and don't want to deal with regular loans headache! because from business perspective most people will prefer with credit cards loans rather than business loans! because it's so effective! no waiting times, no warranty and you only use credit cards money to make profits! 

Many entrepreneur use Credit cards for their business! in fact some people sell an ebook about doing business with credit cards! because most credit cards money actually if you realize are much more better than bank loans! either its from interest rates, approval times, liquidation and etc! so basically getting high credit score are very important! especially for business man!
Bisnisabiz »
Ditulis oleh: Bisnis dan peluang usaha BisnisAbiz Updated at : 10.32

what credit cards does sam's club accept

what credit cards does sam's club accept ? as far as I know sam accept samsclubcredit! but of course they will happy to accept any visa cards, master cards, or debit cards! because most merchant will accept cards that have visa or master cards logo as payment! If you want to buy sam's club diamond rings try with sam's credit cards because they have nice APR! and almost same like Citibank APR, about 15% to 23% ! and also they offer 5% cash back for purchase on gas, and 5% for travel and dining and 1% for other purchases! 

to be honest, I would be interested using their credit cards, to buy diamonds ring from them! because if they give 1% cash back and their APR only about 15% to be honest, it good offer! but not sure, 23% APR for purchases or cash advances! because most of decent credit cards company will charge 15% APR for purchases! but for not decent company they will charge 23% APR for any kind purchases! so its kind of little dirty trick to apply top APR for any kind purchases! if you know what I mean! 😂 

Usually when you apply credit cards company that have decent APR such as 14-15% most likely they will have high standard credit score! unless they have secured credit cards!they will accept applicant with no credit history or bad credit! anyway guys, thanks for reading my blog 😂
Bisnisabiz »
Ditulis oleh: Bisnis dan peluang usaha BisnisAbiz Updated at : 08.50

Union Plus Credit Card Good or bad



union plus card credit card

To be honest, Union Plus Credit Card actually are not bad! since their APR are about 14% to 23% ! and also they have intro APR 0 % for 12 month! late fee about $35 and fee for cash advance are 4% ! from their APR, I can tell they are good company!  but as always, most of these company will needing high Credit score! so if you have problems with bad credit score, my suggestion is try with secured credit cards first! to build your FICO score! because bad credit or no credit history application with Union plus! most likely you'll get rejection! but who knows right ? I could be wrong! after all I just normal person like you guys! 😂

Here's my suggestion if you want to get best offer from credit cards company! try to build your score for 1 years or more! secondly use secured credit cards! make sure to get top company such as big bank, or credible financial credit institution! but the most reasonable and easy way is by asking your bank! I mean if you use Bank of America, ask costumer service if they have secured credit cards or no ? if they have, try to apply with secured credit cards! but if they can give you unsecured credit cards, then you lucky! just consider as bonus or what so ever! 

If you can pass and increase your credit score in 1 years, try to apply with top company! but my suggestion is, try federal credit union in your states! because most federal credit union have credit cards product, and also their APR are the lowest ! about 8%! you can't get 8% APR with Citibank! that for sure! 😎 but to make business with them, actually its not easy! but of course if you have good score! 😎 they can give you limit up to $30.000! i.e good capital to start home business! 😂  and the best from all is, you don't have to deal with loans headache! we all know making a loans, are big headache! this and that and so on! to be honest, a loan with 8% interest rates are very very rare! and FYI the different between loans and credit cards basically rely on qualification! and most loans will needing a warranty! but not for credit cards! that's why for most business man, credit cards are very very important! because that's the short cut to get loans with low interest rates! 😂  just FYI! don't use credit cards big limit to go shopping! because for sure, your hobby will not last for long! but if you do business with big credit cards limits! for sure you can cover 8% APR!
Bisnisabiz »
Ditulis oleh: Bisnis dan peluang usaha BisnisAbiz Updated at : 06.29

Chevron Texaco Credit Card Review


Chevron Texaco Credit card

To be honest with you guys Chevron Texaco Credit cards are not Ideal Cards, because first of all, they have high APR 27% for purchases, and 29% for cash advances and of course, with 5% fee! their annual fee about $25! to be honest with you guys, credit cards that have APR more than 14% for purchases, are bad idea! why ? well, first of all, most of credit cards owner transaction are with purchasing and its rare to do cash advances! that's why most of top credit cards company will charge high APR about 24% for cash advances! but for purchases, they only charge APR about 14%! 

But of course, chevrontexaco credit card also have benefit if you use that cards, to buy fuels! especially if you big fans of Chevron, then using their cards are the most reasonable ways to get 10 cents per 1 Galon! or maybe no ? 😂 

Guys, if we want better offer with low APR, No annual fee! my suggestion is try federal credit union! most of them are have good offer! some will give you 8% APR with credit limit up to $30.000! so imagine if you have 10 cards with other credit union company! I am sure, you have $300.000 cash flow to run your business! to be honest, if I have $300 k, maybe I will consider to open my own gas station with Chevron! 😂 lol! by the way, if I don't mistake Chevron have Credit Union! or cfcu chevron! try them! to get better APR and of course credit limit! 😎

anyway most of company that not specialize in credit cards or non banking company! most of the time they don't have great access to big bank funding! so that's why most their APR have high APR such 29% to 36%! imagine if you spend $10.000 for cash advances with them! in 3 years you have to pay 100% interest rates! but if you dealing with federal credit union, you can get best APR with big credit limit! but of course, you need to have high credit score! to get approved with them! if you have bad credit score, or just start with CC stuff(no credit history)! try secured credit cards, and build your score! and most of them will give you credit report! after you seen your credit report increase more than 700! then apply credit cards with federal credit union!and that's it! you have big cash flow to run medium business! 😎

Remember credit cards money are not to satisfy your shopping hobby! instead good for business and make your cash flow increase more smoothly! and to be honest, $30.000 money just to shop ? seriously! you'll not last for good! 😂
Bisnisabiz »
Ditulis oleh: Bisnis dan peluang usaha BisnisAbiz Updated at : 04.10

Rabu, 24 Mei 2017

Portofolio Lamaran Kerja IT

Portofolio Lamaran info grafis


Mau tahu gan, portofolio lamaran kerja it ? kalau kita berbicara tentang portofolio lamaran kerja, ada dua hal yang ter pikir kan oleh banyak pelamar! ada yang berpikir portofolio itu seperti susunan CV, dan berbentuk info grafik seperti gambar di atas! akan tetapi ada juga yang berpikir bahwa portofolio seperti apa yang di inginkan oleh para HRD agar bisa di terima dengan mulus!

Jika anda berpikir seperti hal yang kedua! kabar baiknya adalah, saya sudah membaca banyak situs para HRD bule bule! 😎 dan juga beberapa tip dari Head Hunter no.1 di US! so, dengan kata lain, beberapa tip dan info dari pelaku industri HRD akan saya coba gambarkan dengan penjelasan yang paling masuk akal! dan semoga info ini bisa membantu anda mendapatkan pekerjaan impian di perusahaan ternama yang sudah anda incar! 😂

Dari sebagian besar para pelaku industri tenaga kerja atau pun di dunia HRD, mereka akan selalu mencari jalan mudah yang paling masuk akal! jadi tidak heran, jika para HRD suka dengan refferal worker! itu artinya mereka suka dengan para pelamar yang mendapatkan rekomendasi dari pegawainya! misalnya mereka butuh orang IT, dan orang IT yang bekerja di perusahaan tersebut, memberikan nama anda sebagai rekomendasi! 90% HRD tersebut akan menerima anda dengan sangat sangat mulus! 😎 so mulai sekarang perbanyak network dan berteman dengan industri terkait profesi anda! karena percaya atau tidak percaya KKN itu works, like a charms 😂

Yang kedua adalah, Portofolio anda sangat terkait dengan industri yang anda lamar! hal ini bisa menjadi nilai paling besar, terutama jika anda tidak menggunakan koneksi orang dalam! karena 90% HRD berpikir bahwa pengalaman kerja di industri yang sama, akan memudahkan mereka dalam beradaptasi dan terbiasa dengan linkungan kerja! jadi tidak heran ada pepatah HRD yang mengatakan "Industri dunia ini sempit!" 😎 itu artinya kalau anda mempunyai masalah dalam industri anda bekerja! pastikan anda sudah siap untuk keluar dari industri tersebut! misalnya anda bekerja di farmasi! anda berulah dan bermasalah! kemungkinannya adalah jika anda bekerja di perusahaan farmasi anda tidak akan pernah di terima kembali! 😂 kalau tidak percaya silakan coba! 😎

yang ketiga adalah, 99% HRD berpikir bahwa 99% attitude itu sangat penting, ketimbang skills! 😎 itu artinya, mereka akan lebih suka anda yang friendly ketimbang anda yang skill tinggi tapi songong! 😂 bokap ane sering bilang gini! kalau mau kerja mendingan ente nurut! udah itu aja syaratnya! karena orang lebih suka yang nurut ketimbang yang tidak nurut! meski pun skill dia tingkat dewa! 😎  dan sayangnya hal tersebut memang benar gan! karena untuk masalah kerja itu teknis! lambat laun, lama kelamaan pasti anda bisa melakukan pekerjaan tersulit sekali pun! anda that's a fact! 😎 dan jujur aja, sangat jarang untuk sebuah perusahaan yang lebih mementingkan skill ketimbang yang nurut! saya berani bertaruh akan hal tersebut! 😎

yang ke empat adalah portofolio speak by it self! ketika anda mempunyai track record yang baik, dalam dunia pekerjaan! dan mempunyai skill yang sangat menunjang! percaya atau tidak percaya anda sudah bisa mengalahkan persaingan dunia kerja lebih dari 90% itu artinya kalau anda melamar posisi IT, sudah bekerja di industri IT selama 2 tahun, dan mempunyai skill tentang IT! kemungkinannya adalah anda akan di anggap sebagai purple squirrel! 😎

dari 4 hal di atas saya simpulkan bahwa anda tidak perlu punya skill tinggi untuk bisa di terima kerja di dunia IT! yang perlu anda lakukan adalah cari lowongan kerja di IT, nurut, humble, dan belajar terus! lalu stick in that industry for 2 years! and that's it gan! 😂 anda mempunyai portofolio ideal worker! atau purple squirrel! dan jangan berulah, serta banyak bergaul dari industri tersebut! gunakan linkedin, or what soever! coba add HRD, sebelum anda melamar kerja! karena hal tersebut kadang menjadi penentuan! karena HRD jarang di ADD 😂  mereka di add kalau ada maunya doang! makanya ada mitos, jangan add HRD anda, ketika anda sedang melamar, karena biasanya mereka akan menolak anda!

Kunci pentingnya di sini adalah, Koneksi, Attitude, dan pengalaman kerja!

Untuk implementasi portofolio yang baik adalah seperti ini!

pendidikan akhir S1 komputer, Universitas Binus, jurusan TI, skill Programing, visual basic, etc! pengalaman kerja 2 tahun di perusahaan software!  portofolio ini artinya stick with IT industry! kuliah di universitas IT ternama, skill IT ada, pengalaman kerja di industri IT! i.e perfect portofolio! kalau bisa usahakan ente pakai kacamata biar meyakinkan HRD! karena terkadang HRD pola pikirnya itu stigma! jadi kalau menurut dia itu orang IT harus pakai kacamata, kalau tidak, pasti nih orang bengal(bader) 😂 logiknya HRD mana tahu tentang orang IT yah kan ? 😎 trust me! gunakan trik tersebut jika anda tidak punya pengalaman kerja! setidaknya itu akan memberikan kesan bahwa ente itu orangnya penurut! kalau tidak ada pengalaman kerja biasanya yang dilihat adalah pendidikan ente terkait atau tidak dengan dunia IT, setelah itu skill IT ente bagus atau tidak ! tapi kalau ente kuliah di IPB, skill IT gak ada! mau melamar dunia IT 😎 berat pastinya! tapi coba deh ente melamar di perusahaan pertanian, kemungkinannya adalah ente bakalan di terima! tahu kenapa ? karena stigma! 😎 simple question! berapa banyak HRD yang mau menolak lulusan UI? 😎 betul tidak ? 😂  sekali pun UI yang swasta loh gan! 😎 ane tahu lah, ada UI swasta bagian rumah sakit! 😎
Bisnisabiz »
Ditulis oleh: Bisnis dan peluang usaha BisnisAbiz Updated at : 15.41

Bisnis Modal Kecil Yang Paling Menguntungkan

bisnis modal kecil


Mau tahu gan, bisnis dengan modal kecil yang paling menguntungkan ? Yuuk Cekidot! ;) Bisnis yang paling menguntungkan pada dasarnya bukan di ukur dari besar atau kecilnya modal anda! karena tidak jarang perusahaan raksasa saat ini memulai bisnis mereka dari modal yang sangat kecil dan terbatas! sebut saja Microsoft, Google, atau bahkan Facebook sekali pun! mereka memulai bisnis dari garasi, atau bahkan dari sebuah kamar kos yang memiliki ruangan kecil! tapi apakah bisnis mereka masih kecil ? well, saya pikir anda sudah pasti tahu jawaban tanpa saya harus sebutkan siapa mereka!

Kalau kita berbicara tentang bisnis modal kecil yang paling menguntungkan, pada dasarnya jawabannya akan sangat bervariasi! bisa jadi bisnis kecil yang menguntungkan itu bisnis Waralaba makanan! atau mungkin bisnis online, atau bisa juga bisnis Jualan baju! dan seterusnya! pada dasarnya bisnis apa pun yang di mulai dari modal kecil, bisa sangat menguntungkan! alasannya adalah karena sebuah bisnis yang menguntungkan tolak ukur nya bukan pada berapa banyak modal yang anda miliki! akan tetapi lebih terletak pada sejauh mana pengetahuan anda tentang bisnis tersebut!

Karena dalam sebuah bisnis pada dasarnya uang belum di anggap sebagai aset! setidaknya uang tidak bisa di jadikan sebagai aset sebelum uang tersebut bisa membuat bisnis anda menguntungkan! itu artinya kalau pun anda punya uang 1 triliun! akan tetapi anda tidak tahu bagaimana memutar nya dan membuat uang tersebut untung berkali kali lipat! maka uang tidak di anggap sebagai faktor penting dalam sebuah bisnis! 

Kecuali anda sudah tahu dan mempunyai pengetahuan tentang apa yang harus anda lakukan pada uang tersebut agar bisnis anda menjadi berkembang dengan sangat pesat, dan menguntungkan! itu artinya yang membuat uang menjadi faktor penting, bukan lantaran jumlah nominal nya! akan tetapi terletak pada pengetahuan anda tentang cara memutar uang tersebut! 😎

Sebagai contoh! anda punya uang 1 triliun! anda ingin menjalankan bisnis online! yang katanya menguntungkan! akan tetapi karena anda tidak tahu menahu tentang dunia bisnis online! kemungkinan nya adalah uang 1 triliun anda akan hilang dan menyusut, lantaran di pergunakan untuk membeli hal hal yang tidak penting! 😎 betul tidak ? tapi lain cerita, ketika ane punya duit 10 juta! sudah pasti, dengan otomatis! saya akan putar uang tersebut menjadi berkali kali lipat!

Pada dasarnya bukan karena ane pintar gan! atau pun ane punya ilmu gaib! 😂 tapi karena ane sudah bercokol dalam dunia bisnis online selama bertahun tahun lamanya! jadi dengan otomatis, penggunaan modal yang terbatas, bisa menghasilkan hasil yang efektif! 😎 Contoh real! ada duit 10 juta! kemungkinan besar, ane bakalan membeli 100 domain! 😀 tapi kalau anda tidak tahu! yah sudah pasti! buat apa gan, 100 domain! gak kebanyakan tuh ?  betul tidak ? 😂  tapi untuk orang orang lama di bisnis online! pasti tanpa ane kasih tahu, mereka cuma ngangguk ngangguk doang! 😂 dalam hati mereka Idem(setuju/sama) 

Singkat kata! semakin anda tahu tentang industri bisnis tertentu! semakin paham apa saja yang harus di prioritaskan! dan ini lah letak kunci profitable business!  dan bukan terletak pada berapa banyak modal yang anda miliki! 😎 banyak para bule bule sering berdebat! tentang uang! beberapa mengatakan uang itu aset! tapi ada juga yang mengatakan uang itu bukan aset! selama input tersebut tidak menghasilkan out put yang baik ! maka uang belum bisa di anggap sebagai aset! itu artinya gan berapa banyak pun! uang yang anda miliki! bukan berarti bisa membuat bisnis yang menguntungkan! tapi kalau pun anda kere cuma modal dengkul kaya ane! dan hanya punya duit terbatas! bukan berarti kita tidak bisa membuat bisnis kecil menjadi sangat menguntungkan! 😂

Saya asumsi kan bahwa saat ini anda masih bingung tentang bisnis modal kecil yang menguntungkan! betul tidak ? karena hampir rata rata yang mencari informasi tentang bisnis kecil! pasti mereka minta contoh bisnis apa, dan seperti apa ! betul tidak ? kalau boleh jujur! ane bisa aja menyebutkan! bahwa bisnis modal kecil yang paling menguntungkan itu adalah, bisnis forex modal kecil, untung 1 miliar ! 😎 tapi apa iyah, ketika ente mencoba bisnis tersebut, lantas ente dapat untung 1 miliar! ? 😁 atau saya bisa saja menyebutkan, bisnis modal kecil yang profitable itu bisnis waralaba loh gan! modal 5 jutaan, anda bisa profit ratusan juta! 😎 tapi apa iyah, ketika ente beli Gerobak franchise, atau waralaba, lantas omset anda mencapai ratusan juta! 😂 atau mungkin, saya bisa saja menyebutkan! bisnis paling menguntungkan itu jualan Legging! 😎 modal 25 ribu, di jual 75 ribu! atau 200% profit! tapi apa iyah ente mau jualan legging di Toped ? 😎

But my point is, bisnis modal kecil yang paling menguntungkan, itu akan sangat sangat tergantung, pada siapa diri anda! apa yang anda suka, dan sejauh mana anda tahu tentang bisnis tersebut! jika anda bisa menjawab 3 pertanyaan tersebut! maka cepat atau lambat bisnis anda akan berjalan dengan baik! 😂 akan tetapi jika anda tidak tahu siapa diri anda! anda tidak tahu apa yang anda suka! dan anda tidak tahu tentang bisnis tersebut! kebanyakan para bule bule akan memberikan nasihat ini! mungkin dari awal anda tidak harus melakukan bisnis! 😎 dan jujur aja gan! bisnis itu bukan untuk semua orang! tapi bisnis itu untuk semua orang yang mau berkorban! e.g uang, pikiran, waktu, dedikasi, dan seterusnya.

But here's some pro tips, jika anda masih bersikeras, meski pun ente gak tahu apa apa tentang bisnis tersebut! dan jujur aja, kalau pun ente gak punya pengetahuan tentang bisnis apa pun, tapi kalau ente tetap kukuh dan stick with it for many many years! percaya gak percaya gan! ente bakalan menguasai blue print bisnis tersebut! after all, kita semua manusia bisa beradaptasi pada lingkungan ter sulit sekali pun!! dan kuncinya cuma satu! jangan menyerah! karena ketika anda menyerah maka sia sialah usaha anda! oleh karena itu di usahakan untuk suka atau senang dalam usaha apa pun! tapi intinya biar ente betah dan stick with it! dan satu hal lagi jangan over do! main slowy but sure! karena biar bagaimana pun terkadang bisnis apa pun itu, perlu waktu! dan tidak bisa di push terlalu jauh, karena kalau anda push, bisnis tersebut akan berantakan gak karuan!

Banyak faktor kenapa suatu bisnis kalau di push terlalu jauh akan berantakan! salah satunya adalah ente orang baru, terus mau enak enak an! nah sudah pasti orang lama, yang merasa dapurnya di injak injak! pasti gak terima bukan 😎 dan biasanya mereka bertindak menggunakan satu atau dua trik! kalau ente lolos tes kemungkinan bisnis ente akan berkembang! tapi kalau tidak, yah sudah pasti ente mendem! 😂 in a nutshell gan! don't be greedy! 😎 watch and learn! nanti kalau ente sudah mahir baru deh, ente mau nunging nungging plus jungkir balik, juga gak masalah! 😂
Bisnisabiz »
Ditulis oleh: Bisnis dan peluang usaha BisnisAbiz Updated at : 13.40

Selasa, 23 Mei 2017

Why are Solar Panels so Expensive


solar panels expensive

Why are solar panels so expensive ? here the the number 1 reason why solar panels system becomes so expensive!, but if you cut this culprit! trust me! it will be less cost!  if we talk about solar panels system basically its only contain 4 parts! solar panels cells, charger controller, inverter and battery! solar panels cells convert sunlight into electricity! battery to save the energy, so we can use that electricity later! charger controller are to control electricity charging! meanwhile inverter to change electrcity AC/DC, in and out from battery to home appliances!

most of these 3 parts, e.g solar cells, inverter, and charger controller the average price are about $100 to $500! but for battery! the price sometime very high, same as new cars! 😂 some people sell, $10.000 for 1 battery that have 5KW capacity, and some have price up to $25k USD! so imagine if you have to build 5kw system!  so, you have to spend at least about $10.000 just for battery! but if you can solve this mystery! then your panels system would be very cheap!  in short you can get cheap electricy for real! 😎

previously I already said, you can get cheap price battery at amazon or ebay! it's battery made in China! some of them have cheap prices about $100 or less! but most of them are in between $1000! for 1 kw! so if you buy 5 battery, you can have 5Kw system! but the question is! is it possible to get more cheaper than $5k USD ? well, recently I just found best way, to solve this issue! to be honest, I never expected about the idea of cheap solar panels system! because no mater what, the price would be, about $5000!

But since I found this good methods! and fit for all! if you learn about this! you can save a lot for sure! 😂 the solution actually its not complicated or what soever! because all you have to do, is by second use battery in local market or near with your home! and then reconditioning that battery and make it into a new battery!and that's it! you can save 10.000 dollar! 😎 cool huh! next time, I will try to cover how to reconditioning old battery into a new!
Bisnisabiz »
Ditulis oleh: Bisnis dan peluang usaha BisnisAbiz Updated at : 04.10

Cheap Everstart Marine Battery

If you curious how to get cheap everstart marine battery! find out now! Most Everstart Marine Battery price are about $100 or less! if you buy everstart marine battery 24dc the cheapest price you can get are about $74! at wallmart! and this kind of battery usually have 2 years replacement warranty! you can get replacement if you still have original receipt! of course we all know , that most of us, can't save that old receipt more than 2 years on the same place! but let assuming, you can!

Do you think they will give free warranty without any fee ? never heard about free warranty! 😂 just like smartphone, 10 years warranty! lol! last time, I have smartphone, the price are about $200! less than 1 years, my smartphone having error or something! then go I to their store, because I thought I can get 5 years warranty! but guess what happen! they said, I have to buy some IC about $100! to make my phone on again! so the moral story is, there is no free warranty! especially if we talk about  battery! 

and when some company give warranty it doesn't mean really free! most of them give warranty because to get peoples trust about their product! but in end, there's no free warranty! but of course you can get free if you buy some parts from them! i.e marketing tactic! 

so the question is, how to fix that problems! and have no worry if my battery got broken before 1 year! or is there anyway to get cheap battery? the answer would be! yes! actually you can get any battery for cheap prices! al you have to do is buy second use battery or even dead battery! but of course, you need to learn a little about how to reconditioning battery easily ! to be honest learn about battery have a lot of benefit! especially if you use battery for solar panels system! because what make solar panels system so expensive simply because the battery price are more than $10.000! and of course some people sell battery less than $1000! but it would be great if you know how to reconditioning old battery into new and make it into good performance! imagine if you buy $10.000! less than 5 year your battery got broken! I am sure you will confused, because you don't know how simple to fix it!  next time I will try to cover how to fix battery! 



Bisnisabiz »
Ditulis oleh: Bisnis dan peluang usaha BisnisAbiz Updated at : 03.19

Senin, 22 Mei 2017

FPB cr Card Good or Bad ?


FPB cr card

FPB cr card Good deal or bad deal ? if we talk about non top credit card company! most of the time, you'll get a headache with them! 😎 why ? well first of all, from the first beginning you doing business with them, actually they already know! that you have bad credit score! it mean you have high potential to risking their business! Low credit score mean, you have problems dealing with your debt! because the whole score calculation basically its all about amount of your owed and how good you manage your debt and how long! so basically most credit cards company can tell, if someone have bad credit score mean, you can't handle your own debt!

That's why most of these company! actually, if you doing business with them you'll in hard position! e.g High Annual fee about $125! APR 36% , fee for cash advances transaction about 5% , and worse their credit limit are very low! under $1000! but for starter about $300-$500!  from my perspective! if we borrow money with limit $500, meanwhile they charge annual fee about $125, and fee 5%! to be honest with you guys! I don't wanna deal with that kind of situation! but what can you do ? since you have bad credit score, and most company don't want to borrow their money! so, If I were you, I am in hard situation! 

If you want to fix these situation, here's my suggestion! stop your hobby for a while! stop spending money that you don't have it!  apply with Top secured credit score company! and it can be any company that can give good offer with their fee! and your goal applying secured credit cards, is because you have to build your credit score from the beginning! so make sure you can manage your debt and always pay your credit cards bills on time! after 1-2 years, for sure you can increase your FICO credit score! and usually Credit cards company will start to call you and, give good offer to do business with them! e.g Low APR, High Credit limit, Free Annual fee and so on! 

But if you can manage your debt with secured credit cards! then I am sure no company want to do business with you!  and the Idea to apply with secured credit card company is because you have to train yourself to manage your own debt, and increase your credit score! if you can do this well, then I am sure! credit cards company will start to call you, give you best APR,  give you good offer and so on! 😎

Another Credit card reviews
Bisnisabiz »
Ditulis oleh: Bisnis dan peluang usaha BisnisAbiz Updated at : 19.36

First Savings Credit Card apply


First Savings Credit Card

If you want apply with first savings credit card read this first!  first of all, if you have bad credit! maybe this card is right for you! but since, I want to be fair to everyone, lets be real, shall we ! 😎 Imagine like this! if you have bad credit, and most company want to avoid your application, meanwhile some company send you invitation to apply, what you think about them ? good or bad ?  of course, since you nice people, you will tell, these kind of company are nice one! 😂 or maybe no?

I am sure, some of you already know the idea about not top tier company! yep! they will accept application with bad credit! but the question is, how and why they accept people with bad credit score ? well, it could be long story to tell, if we go into details! but one things for sure! they know you need credit cards, but you can't get best offer! still from their perspective you will try to get another credit cards! 

and because of that reason most company that allow people with bad credit! most of them will charge high APR! usually 2 times more than average! and not only that, usually your credit limit will be low as $1000 or less! but hey what can you expect from company that allow people with bad credit ? right ?

To be honest with you guys, it's really hard to get best offer from top credit card company, if you have bad credit score! because low score mean, you have high potential risking their business! and because of that reason top company will not do business with you! simply because your score are not qualify! so, the question is, how to  fix this situation? well there are simple way, and also hard way to fix this situation! the most reasonable way, is by applying secured credit cards, to increase your score! after times! your score will increase and qualify to be approved with top credit cards company!, but of course! if you can manage your CC bills on time for more than 1 years, amount Owed, Credit Mix, and for how long you play credit cards!(it cover more than 85% fico score) ! if you take this path! usually in less than 2 years, your score will increase and you can get best offer from top credit cards company! it mean low APR, High credit limits and etc! 

But if you want to choose the easy way! you can borrow your girls friend name! or maybe your wife, or husband! especially if they have high score! for sure, you can get best credit cards in industry! e.g Citi, Discover it,Barclaycard, and etc!  anyway guys! if you don't mind with First saving APR which is 29% , Annual Fee about $75, late payment fee about $25, credit limit from $300 to $1500! if you okay with first saving offer! then go a head and apply with them in here!  (https://firstsavingscc.com/cardmemberservices/RegisterUser/RegisterUserStep1.aspx)


Bisnisabiz »
Ditulis oleh: Bisnis dan peluang usaha BisnisAbiz Updated at : 03.15

Minggu, 21 Mei 2017

Iddeal Credit Card Review

Iddeal credit card


Before you apply Iddeal credit card Read my review first! ;) I assuming you want to buy a diamond ring for your wife? because Iddeal Credit card, are the most reasonable ways to give nice present without spending 3 month salary in one payment! because spending $5000 dollar cash to give to your wife actually are quite hard! I mean if you have option to pay with credit cards, why not ? right! but it doesn't mean we all man are cheapskate! at least by using Credit cards, we still have real cash to spend for daily needs! 

To be honest with you, Iddeal Credit Card APR are little bit high than other company, that specialize in jewelry! because as far as I know Helzberg Credit cards, only charge about 24%! meanwhile Iddeal APR are 29% ! maybe not that much since the different only about 5%!

But the Good news is, they have intro APR 0%, for first purchases! it can be 24 month, 36 month, 48, or 60 month! as long you not late to make payment, then you safe! but if you late even for once, then you have to pay normal APR i.e 29% ! here's the tricky part! can you pay on time for 2 or 3 years every month ? if you sure you can do it then applying their card are no problems! but if you not sure to make on time payment for 2-4 years! or if you think 29% APR are to much! then don't apply their cards! because if you apply with them, and choose  24 month tenor! and you late making payment! it mean, your diamond price are no longer $5000, instead $7000! because they charge 29% per years! so 24 month tenor mean they will charge more than 50% interest rates!

If I were you and don't have a lot of option! meanwhile my wife already ask and beg $5000 diamond rings! then I don't have any other choice to get their cards! 😂  but make sure, you not late paying your CC bills! because if you do! you have to spend about 3 month salary just for a present! 😂
Bisnisabiz »
Ditulis oleh: Bisnis dan peluang usaha BisnisAbiz Updated at : 12.53

Openskycc Credit Card Review


Openskycc

To be honest openskycc are not Good! but if you have low credit score, or bad credit, openskycc are the best offer for you! why ? well, for some reason, I believe they will not reject your application! unless you have problems with Law, probably they will reject your application not because of bad credit or what soever! but as far as know credit card company like openskycc are the easiest place to get approval! in fact they should approved your application, not less than 5 minutes! if they can do that,  I am impress with them :D! lol 

Some of you maybe questioning why , and why so easy to get approved with openskycc credit cards ? well, first of all, their existence are to teach you and some people that have  bad or no credit history! that's why when you get approved with them, you must deposit money to Capital Bank  NA! it mean openskyCC are secured credit cards, that will needing security deposit! so, basically their company are have no risk, doing business with you! first you will not run away or default, secondly, its same like using your own money, but you have to pay APR about 18%! 😂 and transfer fund 5% each transaction, and etc! but my point is, if you have bad credit score, openskycc, is your school to get certification, and build or fix your credit score! 

But, after second thought! I think their services are not bad, since most credit company that accept bad credit usually will double their APR ! but it seem they using standard APR, about 18%! but of course, if I were you, and want to build my credit score! I want to deal with high level bank, or company! suc as Bank Of America or something! usually every bank, have secured credit cards! and most secured credit card are intended to build your credit score! and most company will glad accepting you as their costumer! because by applying secured credit cards, bank have no risk at all! and if we have secured credit card with top bank, it will likely, the little bank, will give you good offer! 😎 trust me!  because little bank, get data from Big bank! so if you have good score with big Bank, then automatically, the little bank, will after you to use their product! especially if you can build your Fico score up to 800! 😎.

so the conclusion is, Openskycc are secured credit cards! so, nothing to review about them! I guess! 😂
Bisnisabiz »
Ditulis oleh: Bisnis dan peluang usaha BisnisAbiz Updated at : 03.35

Mypremiercreditcard Complete Reviews


mypremiercreditcard


If you want apply with mypremiercreditcard, you should read this first! previously, I already write about them, but its not complete and accurate! but this time, I will make complete review, since I got better info than before! anyway, before I review mypremiercreditcard actually I visit their site! but the weird thing is, they never reveal their APR, fee, penalty and etc! I only read some statement in their about US page! they said, they are top 20 issuer of Master Cards! and already served millions people world wide! 

Usually for company that already become top 20, they will play hard to get, and the most obvious, is they will give better APR, such 8% , or max APR after intro is about 14% like Citibank! but I what I found is, they have no APR intro, their regular APR about 36% , balance transfer not allowed, annual fee for first year about $125, and after that annual fee are about $50! cash advance fee about 5%  and their credit limit are very small about under $1000! for veteran in Credit cards the data above already describe about who they are ! and which type! 

To be honest with you guys, when I read mypremiercreditcard about US page, and they claimed that the already served millions people world wide and as top 20 player in their industry, it make me doubt, about my previous review! but after read here and there' actually my prediction is right! they are secondary company in credit card industry! and most of them will charge high fee, high APR, and no intro APR! and bla..bla..!  so, if you want to apply with them! that's ok! especially if your credit score are not good or have bad credit! but if you have good credit score! my suggestion is, try to find better option! because no APR intro, and regular APR 36% are quite shocking for top 20 player in Credit cards industry! lol! anyway, if you live around North Carolina, try this company "State Employees  ncsecu"!  because their APR are the lowest! i.e 8%! many veteran credit card want to apply with them! but it seem they only allowed person that live around North Carolina!

Another credit Card Review
Bisnisabiz »
Ditulis oleh: Bisnis dan peluang usaha BisnisAbiz Updated at : 02.44

Sabtu, 20 Mei 2017

Activate PNC Credit Card

PNC Credit Card


Why you should activate PNC credit card ? well here's a good reason why you should have PNC credit cards! first no annual fee! secondly you will get APR 0% interest rate for intro purchases for 15 billing cycles! third their APR after intro periods end, are about 10% to 20%! but it will depend on your credit worthiness! try to ask them about APR for purchase and cash advances! if they can offer 10% for cash advances, or maybe 10% for purchases, its more than good! because even for Citibank, they only give 14% APR for purchases! so if you can get 10% from them, you can save about 4%! 

But before you get excited try to read this articles, why some people have bad credit, and what best solution to deal with it! for sure, applying another credit cards are not wise things to do! in fact it can make your debt increase more and more! the only solution is to realize that most people have a lot credit cards, and still get a away with debt problems is simply because they have another source of incomes, and they know how to cover 24% APR each years! if you do that, then apply more credit cards are not bad idea! but if your income can't cover 2 interest rate per month, applying more credit cards, could be the last thing you should do!

anyway, PNC bank product not only Credit cards! they also have virtual wallet! read my review in here(PNC virtual Wallet)! their virtual wallet are mobile apps! so you can check your PNC account anytime you want every where! and to check your PNC balance is free cost! but of course if you do transaction to another bank, you have to pay some fee for doing transfer! but if you have online store, or selling some stuff in amazon or ebay, I think PNC wallet are not bad Idea!  anyway guys, thanks for reading! 😂
Bisnisabiz »
Ditulis oleh: Bisnis dan peluang usaha BisnisAbiz Updated at : 02.20

Unsecured Credit Cards For Bad Credit! here's the tricks!


Bad Credit score

If you have bad credit score  and want to have unsecured credit cards without making any deposit! here the list of credit card company with instant approval or less headache!  first of all before I give the list, I want to give something or some Enlightenment! Why people have bad credit score!  first, most of them don't have additional income! secondly they have shopping hobby that not lead into productive way! and the last is, 5hit happen! if we look into this 3 reason, the biggest problems with bad credit score, are simply because no income to cover their shopping hobby! 

and most people that can get away with credit card debt, are people that have additional income! it could be home business, small business or hobby to sell some stuff and get profit to cover 24% credit cards interest rates! so the most reasonable solution for people that have bad credit is by creating new additional income! because if you apply unsecured credit card to cover previous debt, trust me! it doesn't work! because its like digging a hole to cover another holes! in the end, the holes will become bigger and deeper! as result, your debt will increase dramatically(most bad credit cards have double APR and no intro APR)!  but sure, you still can join army, and ask default! 😂 who knows that kind of trick could work! especially relationship between US and North Korea are getting hotter and hotter! from my POV, government can make such a rules, if there's an urgent matter! and its like you help us, we help you! but the chance to make this situation as you please sometime will not gonna happen! 

But of course, since I have good idea, there is a solution to turn the table, and make your debt, decrease! after time you can pay all your credit card debt! sound good eh ? 😎 here's the solution! most people that have bad credit basically people that have a lot of debt, and can't pay on time! after time, their FICO score will decrease more and more! some company will allow you to get loans from them i.e bad credit card approval!  but most of them already realize, that you want to use them to cover your previous debt! so they charge you with high APR, and no intro purchase APR in the first years! so basically getting approval from unsecured credit cards, are not solve your debt! in fact it can increase your debt, since their APR are double than most credit card company! 

But I know what you thinking, and the reason why you want to get unsecured credit cards for bad credit! 😂 is because you want to start over, and make additional income from new Credit cards ? 😎 but just like I said, credit card for bad credit will charge you double APR! so your genius Idea will not gonna works! and remember, most bad credit card company will give you lower limit! after all you have bad history! 😂  so what to do to make it works ? well, you have to find some one that can help you out! he or she, have good or high FICO score, and have no problems to get top Credit card company(Citibank)! after that, then you can try another business idea! e.g sell some stuff on ebay, or amazon, doing dropship business, or you can try some online business or what soever! but the idea is you need to get fresh capital with less limitation, to create additional income! i.e doing business! but if you apply credit card that approve bad credit! it will only make things become worse and worst!

the only solution to cover your credit card debt, is by making new additional incomes! without that, it's not going to works! but since most people that have debt, have high motivation to do all out! the chances for them to become successful in business are very high! after all desperate people will not holding back! 😎 at least that the only things I see from people that have bad credit score! i.e motivation! so the next question is, what kind of business that can cover credit card debt ? well, a lot! but my suggestion is, try something, that related with your passion! example, you have shopping hobby or shopaholic! you know where to get good discount! or lower price! and you know many people want to get this stuff so bad! try to get them with lower price! and then sell again to make nice profit! try ebay, amazon, salehoo or what so ever! but my point is, usually for shopaholic, they really know their 5hit! 😎 and if you can use your skill i.e shopaholic, believe it or not, your shopping hobby, can last forever! 😎 just make sure, your business idea are not to far from your root or passion, because its your real asset to doing business! .eg you know where to buy, you know the seller, you know how to get discount, and you know about the market! i.e knowledge to doing profitable business!😂

bad credit score


anyway, since this articles about credit card for bad people!(ooops) 😂(just kidding) I mean for bad credit! here's the list of the best company for bad credit! some secured and unsecured credit card!

    Bisnisabiz »
    Ditulis oleh: Bisnis dan peluang usaha BisnisAbiz Updated at : 00.12

    Jumat, 19 Mei 2017

    Gordmans Credit Card Good or Bad ?

    Gordmans Credit Card


    You want to apply Gordmans credit card? is it worth it or not ? well! check it out guys! ;) if we talk about Credit cards, there are two type, the top tier company! and the non top tiers! 😂 so the question is what the different ? the top tier have APR 14% for purchase and 24% for cash advances!  but for non top tier company, they will charge APR about 24% or double APR than top tiers! because they make profit from there! but the benefit with them, the administrative requirement are not to high like top tiers! i.e fast approval and they lowering their Credit score! so if you have low credit score under 500 point, then applying Gordman its not bad start!

    If I were you and don't have Credit history or my credit score are to low to get top Credit cards!, then I will try them! but remember their APR are double than citiBank APR! if we talk about APR, most credit card company will offer 0% APR, for intro or first years!  if you pay on time and no late payment every single month! they will not charge any interest rates! but of course after first years pass, then you have to pay 1-2 % interest rates! 😂 example, I buy some stuff,  $1800! I use Credit cards! and make payment every month for tenor 18 month! since the APR 24% then every month I have to pay about $124 x18 month! so total payment are about $2232! or 24% interest rate for 18 month payment! 

    So if you applying Credit cards just to get some discount! for me personally its not good idea! but if you want to save big purchase, then its okay! you can apply with them, and for long term, it can benefit both side! the idea about profitable Credit cards, is simply because if you use them for business and don't have enough cash flow to run your own business! then use credit cards to get low interest rate debt! but for personal buying, using credit cards are the worse! since they have 1% interest rate permonth! 


    Here a good example for profitable credit cards! you have business selling some stuff or what so ever! visit wholesales website, and buy their product! and then sell it again to your costumers! repeat and rinse! you will make nice profit! first you don't have to borrow money from loan shark! secondly, you have more capital to purchase more product! and it can increase your cash flow with low interest rates, as 2% per month! 😎 what if, I don't have any kind of business ? or just use Credit card for personal purchase ? well, for long term you'll have financial problems! yep! that 24% interest rate! are the biggest problems! 😂 imagine if you can't cover that 24% interest rate ?  or can make profit more than 24% per years ? yep! your debt will increase after time!  and to be honest, most of people that can get away from credit card problems are people that doing business! but for average mom and pops! eventually they will suffers because of interest rate! 

    Here some hint! go to ebay, and sell some stuff in there as your hobby to cover that 24% interest! rate! 😀 buy some stuff from wholesales! try saleehoo! because in there, you will get huge list of US wholesale company! one more things learn about dropship system! if you doing right, 24% interest are no problems! do like your hobby! don't push to much, I am sure, your credit cards hobby will last for good! 😎
    Bisnisabiz »
    Ditulis oleh: Bisnis dan peluang usaha BisnisAbiz Updated at : 21.45

    Apply for Younkers Credit Card


    younkers credit card

    If you want to apply for younkers credit card you must read this tips, to get fast approval!  most people that apply younkers credit card basically their loyal costumer, and the reason why so many people want to get younker credit card is simply because you can get discount with it! so basically younker CC  same like discount cards! I can bet younker already predict this going to happen! especially since younker stop giving the discount for senior citizen! so I think elder people are good market for them! 

    so the question is, how to apply Younker CC, and is it worth it to apply to get discount ? well, if you want to apply Younker credit card, you need to do it offline! because as far as I know younker not provide online credit cards registration!  you can ask their staff or call their costumer service, and ask where and how to apply their credit cards,! since your first intention is to get discount, so the real question is, is it worth it applying their CC! because no younker CC mean no discount ? 

    If your first intention is to get discount with younker, then applying credit card with them are in between worth or maybe not! but if you want to purchase a lot with them, between 10k USD above, then you should apply their cards! because it is worth it! but if you just want to make small purchase and get small discount! then applying their card are not worth it! first reason is, every credit cards always have different APR 16% average for purchase some stuff! and 24 % for cash advances! Annual fee about $40, and also there is fee for late or returned purchase about $40! 

    Most top tier credit card company have APR about 14% but for second tier it could be double! some company will charge 25% APR and some would be more! but I can bet, since Younker are not top tier! I am pretty sure, their APR are about 20%(2% permonth)! in nutshell, if you purchase 12.000 USD with them, you have to pay about 14400! but of course they will give some good offer with 0% interest rates, if your payment are not late! but most of time for choosing 1 years tenor payment, at some point, we could make some delay payment! and that's  the reason why their offer 0% interest rates will become useless!  in the end, you have to pay 20% APR!

    in short! applying credit card to get discount are bad Idea! 😎 if I were you I will ask younker and ask them to provide special discount for senior citizen! otherwise, you can tell them! you will not shop their stuff anymore! gather 100 or even more! and make protest! I am sure they will provide good discount for senior citizen! just FYI! in marketing discount basically are cheap tricks! 😂
    Bisnisabiz »
    Ditulis oleh: Bisnis dan peluang usaha BisnisAbiz Updated at : 15.04

    Merrick Bank Credit Card Reviews


    Merrick bank credit card

    If you get offer from Merrick Bank for Credit card product! you must read this! :D Merrick bank, is one of the top 20 Visa issuer! their costumer about 2,4 million people! and already give total loans about 2,5 billions USD for various loan, and not just credit card! so I am sure they not just some credit card company! they also have two type credit card! secured and unsecured! if you have bad credit score or no history at all and want to build your score, they offer secured credit cards! what you only do is only make some deposit to them as warranty! and that deposit is your limit! 

    for example, if you want to get credit card with $5000 limitation, you have to deposit $5000 to them! after you make deposit, you will get your card, and ca start to use credit card and shop anywhere! the Idea of secured credit card is to build your score! and most of the time, approval for secured credit card are very fast! since they don't have any risk at all! yep! its just like training to manage your own money! 😂



    How about their interest rate and Fee ? well, their APR for purchases are about 18%  and 23% for cash advances! for annual fee about $36 and penalty fee such as late payment or returned payment about $38. I think their fee same like citi! and the only different between Citibank APR with Merrick bank, is Citi have lower APR range, about 14% to 24% its only different about 4% for purchase and 1% for cash advances!

    Most of top credit card company usually have APR about 14-16% meanwhile for second tier company they will charge 2 times APR rates! but with second tier company! they will lower their credit score, and still get approved with them! meanwhile for top player, such as Citibank, Merrick Bank and etc! you only get offer if you have good credit score, or you have to use secured credit cards! and after 1-2 years, and have good score, then you can apply to get unsecured credit cards!

    so the conclusion is Merrick Bank Credit cad are one of the best! if you get offer from them via email, I think you should consider their offer! especially if you want secondary Credit cards from different company!
    Bisnisabiz »
    Ditulis oleh: Bisnis dan peluang usaha BisnisAbiz Updated at : 11.49

    Helzberg Diamond Credit Card Review


    helzberg credit card

    Helzberg credit card are Jewelry specialization, so I am not surprise if their brand name are helzberg diamonds credit card! I think its not bad Idea, since most people will end in marriage! at least once of their life time, they will buy some jewelry! unfortunately jewelry price are not cheap! so, I think Helzberg focus in that market! i.e Marriage!

    If we talk about Credit Card most of company will give you 0% Interest rates for promotion! so Helzberg also doing the same things! but what you must realize, if you not pay full in a years (late or delay payment)! most of credit cards will charge interest rate APR about 13% to 24 %! the only different between other credit card with Helzberg is, they will charge the Top interest rates! i.e 24% instead 13% ! 



    If I have to be honest, I don't see any weird stuff or hidden fee from Helzberg! but of course, their APR double than Citi APR! but we also know, not everyone can get approval with Citibank! but with Helzberg they can lower their standard , and fast approval! so, if you have low credit score, and hard to get top credit card company! there's nothing wrong to apply with Helzberg! or you can try with similar company such as mypremiercreditcard.com most of company like these, actually already realized! there is some people that less than perfect to obtain credit cards! and that kind of people are their markets!

    But of course, their fee will be double than other top credit card company! the key factor with credit cards, basically what you need is to pay on time and choose the best tenor(6 month, 1 years, 36 month)! no delay or late payment! if you think you can do this, without problems, then I am sure! you will not having any problems with them! but of course, in real life sometime 5hit can happen! 😎  and most of credit card company, already realize from 100 people, 5-10% will make late payment! 😂  and when it happen, they make nice profit! to be honest! I don't blame with this kind of idea! after all we have all have to make some profit!

    Just my suggestion! if you have lower credit score! try to apply with them! and if you want to use credit card from them, choose longer term! such as 36 month payment! because with longer term, you will get much lower APR! about 7.99%! and always remember, using credit card for urgent matter! not to buy some stuff, or daily needs! because if you do this, for sure, you will have big problems!
    Bisnisabiz »
    Ditulis oleh: Bisnis dan peluang usaha BisnisAbiz Updated at : 09.01

    How To Apply Mypremiercreditcard and Get Approved Easily

    mypremiercreditcard apply
    To apply Mypremiercreditcard and get approved with them actually are not that hard! in fact it's very easy and fast! as you long you qualify their requirement, in just a minutes, you will get approved and start to shopping online with their credit card! maybe it will take about 48 or if its to long try to call them and make it quick! I am sure they can do that if you ask them nicely.

    In order to get approved with them you must have 3 things  Credit History, you never applied with them and get pending status ! last is you must have checking account! the idea of these 3 requirement is to minimize the fraud or people that have really bad credit score! because if they get costumer with bad credit, for sure, they can't pay, or even run away! but if you have good credit history and have checking account, its more than enough! and also you can make their credit card as your secondary CC, just for in case if you need buy more stuff in the future!



    Credit card company such as Mypremiercreditcard usually will lower their standard! because in their website they already stated, they will approve application that have less than perfect to obtain credit card! it could be mean, lower credit score, low income, or maybe easy and fast approval! though they will need warranty to approve your application! and the most company like them, sometime will ask some deposit! for assurance, so you will not run away from them!  but usually its only for certain time! after 1 years, they will returned your deposit! after all who want to get fraud ? 

    If your credit score are not qualify with other company! you should try them and build good rapport! pay on time, active use credit card, and etc! if in 1 year you have good history! sometime other company will give you good offer! not so sure, how they know! 😎 but once you have good credit history! you will get offer from other company! so try them as your milestone with credit card industry!  but since they will approve people that have less than perfect! it also could be mean, they will charge higher fee than other company! it could be annual fee, more high interest rate, and etc! just make sure, you read what kind of fee that you will pay and if you okay, with their fee! then you can use them! anyway, I hope they will approve your application and start using credit card ASAP!

    Another Credit cards
    Bisnisabiz »
    Ditulis oleh: Bisnis dan peluang usaha BisnisAbiz Updated at : 01.46

    Why myfedloan better than other Private student loan ?

    fed loan servicing


    Why Myfedloan better than other private student  loan ?well, there are many reason why you should choose fed loan! first of all, fed loan mean federal loans, it mean government give some money to them(funding), so they can give some loan to people that need money for education! and it can be no interest at all for that company! you can said free money from government! so that's why! most federal loan are low interest rate, and also have real forgiveness loans , for a student that qualify their standard.

    if we talk about federal loan, it can be loans for any type! e.g student loans, car loans, home loans or mortgage loan! but since myfedloan are specialize for education industry! so, if you need student loans, you should try them! because you can get lowest interest rate, and also clear regulation and no cheat or unseen rules! and most federal loan, usually have specials program for default or loan forgiveness!



    But since we all know not everyone will qualify to meet their standard, most of the time you will failed to get loan approval from fedloans union such as Myfedloan! at least if you go to private school! your chance will decrease! because most federal student loan, are work in state university! but it doesn't mean federal university! because university that funded by federal, most of the time are intended for military people! so the question is, why I have to do, to get approval federal student loan ?

    well, there are many ways! you can do to get approval from any kind of federal loan! the most common way, that most people do, is by going to state university! because most of them have student loans program! and you can ask them whether they have student loans program or not! if they have! you must go to that university!  but not many people will go to states university because they only have limited seat! meanwhile the application are quite a lot! so you have to real good and smart! to pass the test! 

    The second way is by join army! Good news is military program usually will give money or fund to the personnel that want to go college!something like fee tuition or even free college to federal university! for some people that have a lot of debt student loan, they will choose to join army! but there's a regulation, if you can't pay the debt, then you can't join the military! but some people that have 100 thousand USD debt student loan, he join the military program, and government pay his debt! but of course, it will happen only if you have good grade, and degree to convince military to clean up your debt! 

    But the whole point of getting federal loan, are simply because you have good grade! and if you have good academic score, you can apply for Government student aid! and if you not get student aid, most of the time, they will offer federal student loan that have low interest! but if you smart enough to convince them, I am sure you can get student aid! so the key factor to get loan or student aid is to focus on your study and try to get good grade in you school! and then try to get student aid from government program! cause it can save your money a lot!
    Bisnisabiz »
    Ditulis oleh: Bisnis dan peluang usaha BisnisAbiz Updated at : 00.02

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