The trials that come often considered a form of curse. The trials that come often considered a misfortune to be immediately eliminated. This is a wrong assumption and it is detrimental.

If we are aware of the meaning of trials, actually all that we experience is simply a form of warning. Trials that befalls us is actually the God of LIFE ALARM so that we can get back on the right path. Try your existing trials you have ever experienced, there must have been something to do with your previous behavior.

The law of “causal” could be applied in any trials that befalls us. It means God not give an ALARM that’s LIFE. There is God’s purpose behind it all. It is evident that reversed trials/disaster certainly saved invaluable wisdom that we can take as a guide and way of life. This can all be felt for those who successfully through it properly. A lot of my own experience and the experience of friends who I know, life is better after the ALARM was given LIFE by the Lord.

I personally will better understand the significance of societal life after my son died incidences. My life is better after his coma. There is again a Director should be the maid because assets are taken God, his life is better now because realizes during rich he is arrogant.

The wisdom of the trials that I experience these are; If I am not given the accident my child died, of course until now I keep being an were insensitive in social life. Rarely associate with neighbors when the neighbors are the ones who first gave aid when we need. I am very grateful for the LIFE that God gave the ALARM, the wisdom of it all really amazing big Ermengarde for the life of me.

The wisdom of the trials that happened to a friend of mine; I wish my friends were not given in the form of the illness the LIFE ALARM child puppet until almost died due to the sheer, sure my friend would still like it used to. His worship is rarely, rarely get along with the community, and do not like to connect rope hospitality. But after the ALARM was given life, societal life he becomes better, even interloper sayings on me that she was very thankful because that way he could turn better in terms of worship and social relations.

We break for a moment, Yes, so that’s not too dizzy to discuss things that smelled of technical business such as market segmentation, cross sell and up sell, differentiation of products and so on.

This time I will discuss a lightweight light-alone, namely a variety of markets. In essence, the market can be grouped into 4 groups.

You can enter one or more of the 4 classes or kinds of market, adjusted to the type and purpose of your business. How, ready? Let’s get it down, good read, enjoyed a light article of this one …

• Consumer Market

The consumer market is a buyer who buys goods for own consumption. Not for sale anymore, not also for further processing. Categories include consumer market is buyer’s individual and household buyers non-business. Purchased goods are goods of consumption. You must be familiar with the kind of market models like this. The consumer market is more easily accessed than other types of markets, especially if you apply the right marketing tactics.

• Industrial Market

In the industrial market, the seller can be individuals, institutions or organizations. They buy goods to be used on its own, either directly or indirectly to be used to produce other goods which are then sold to consumers. Usually purchased goods are goods industry. For example, SOAP and Vaseline for wash motor or sugar, fruit and ice cubes for juice. If you have stuff like this, but you can sell to the consumer market, you can also sell for industrial market.

• Seller’s Market

Is a market that is made up of the individual or organization who buys the goods for the purpose of sale or for rent in order to benefit or profit. For example, you open a wholesale fruit is cheap, you are selling to retail traders. Or as I do. Buy mangrove crabs of  in Borneo, then I sell to exporters.

• Government Markets

If this one, surely you’ve often heard as well. If not, I am prohibited item being sold. Government market is a market where there are institutions such as government departments, Directorate, Department offices and other institutions. An example of his business model is the procurement of goods. You can enter the market this Government through tender or auction projects from the Government. Either procurement of office equipment, road construction, procurement of uniform civil servants and so on.

Market segmentation, which is quite scary and complicated for most impress the plunge building business.

In fact, market segmentation is one of the important elements in the marketing strategy you will do (even too important).

Alright, I’m going to prohibited item being sold with simple language and easy to understand what is market segmentation. According to Hermawan, when there was a sense of market segmentation is a method of how to regard market creatively.

You are still confused by the notion of market segmentation above? This way, one of the effects if you do not know who the market segmentation that is right for your product is what you will do and how much it costs already incurred marketing would be futile. Even though your product is unique and of value.

The most simple example of market segmentation is your BMW car sales associate (product) with a price of 750 million (the price) then you’re selling to a beggar (targeting & segmentation).

Although BMW is your discount frenzy to 75% (promotion), the beggar will not buy. Why? Because it’s not he needs Different if you sell … to market segmentation, luxury car lovers will be another outcome.

It is also just the same as you are selling chicken to market segmentation people are vegetarian or you are selling shark fin to the traditional markets that are not necessarily people who love to eat seafood and a thick  coming to the venue.

The result is definitely a big zero, although the prices you have scaled back furiously until Consumer behavior-its different.

Then how do I know the market segmentation? Do market research! Once you know who your target market, you will more easily do your product offerings.

So, take a look at your market segmentation always creatively. Define consumer market segmentation which you choose, design your new marketing tactics, you’re selling “stuff on it”, agree?

If you want to create product offerings or offer services of interest to consumers, you must know and understand how consumers in responding to offers of goods you provide.

Once you figure out the formula or formula, creating deals offers, including a price quote that is so compelling and believable will be very easy.

You need to know, when someone receives a quote actually he will ask a few questions to himself.

Questions such as what is offered, how much, what profit he can, why should be trust in the products, services or company “X”, why should buy now and so on.

I won’t go into detail of how consumers are responding in a quote. I am going to discuss is the way that could make consumers interested in your offer, namely one with giving gifts. This science I can of Tung Desem Waringin in Marketing Revolution.

There are 3 ways how you give additional gifts:

1. Product or service you’re selling Lottery accessories with which it was associated with the product or service you are selling.
Example:
• Buy Lottery mobile phone Holster, mobile phone software or strap hangers.
• Buy cars Lottery TV cars, car upholstery from leather or curtain the car.
2. Products or services that you are selling a product or service issues related to a product or service you are selling.
Example:
• Buy lottery plate bowl.
• Buy Lottery shoes sandals.
• Buy the book marketing book selling lottery.
3. Product or service you’re selling lottery products or services that have nothing to do with the product or service you are selling.
Example:
• Buy 2 grams gold umbrella giveaway.
• Open the ATM card carries a mug or a wall clock.
• Buy a bicycle Lottery hours hand.

Of the 3 ways above, the first way I always prioritize while giving offerings for consumers. In this way the appropriate recommended by Don Sexton, Professor of Harvard Business School. But it also does not cover the possibility of me using the second and third way, depending on the condition and the product I offer.

Well, if you own how? Whether to use the first way, the way the second, or the third way? But that obviously payoffs with, adjust the conditions and the effectiveness of trade deals or offer your business.

1. Special Terms in the law or the contract.
Many words that are used in special legal or business contract proves to be rarely used in Indonesia language everyday. An example is force majeure, and more.

2. Simplify operational contract.
It is also important to note is how the implementation of a business agreement later on got no meaningful conflicts. Either due to the use of improper language or because of a particular concept is not clear. So you still have a good relationship with your business partners.

3. finding the guidelines though blur.
Often in the language of business contract law used a term that is more of a compromise of the two interests, but have a meaning that is fuzzy.

4. in order to be more reverent or creepy.
In the contract agreement business there is always some effort to make an impression as if such business agreements must be respected or feared, such as the phrase “signed with the duty which is pretty”. Look more “solemn” right?

Closer-legal language characteristics of business contracts above must understand before you make business agreements. And more importantly, once you understand the characteristics of the language law of contract business, use a BUSINESS ATTORNEY to make a draft of the agreement for your business.

Remember, they are more familiar and more experienced in making business arrangements than you.  your money to use their services. It used to be the first time I do business, business agreement contract that I created myself.

Not to mention the loss of something that is materially non exclusive rights such as distribution of a product. This much larger losses when compared to losing money a dozen million.

From there I learned that anything which is not handed over to the experts, would be “knockout bundles” aka fall apart. And it is evident in the contractual agreements of cooperation I, You don’t want to like my time was right?

a. That the insured (or third person for the benefit of whom held insurance it) should have the benefit of certain events not that with the understanding that as a result of the events that he suffered a loss. In case of interest in a sense like that nothing in the agreement may not be meant to replace losses and as said above that is precisely one of the nature of the rights or properties of the core of the insurance agreement is as Covenant to replace the loss, the indemnity which must be balanced with the harm actually suffered and considered by the amount insured.

b. that insurance should not be leading to the granting of greater indemnity instead of losses suffered.

In this case we can say that insurance is a bestiary agreement of reciprocity means that the liability of the person in recompense is only implemented if certain events that took place upon which it takes place and the obligations of the insured person in recompense was faced with the obligation of the insured pay a premium, although with the understanding that the obligation to pay premiums that are not conditional.

Outline can be said that:

a. Insurance arising under the Treaty which is reciprocity
b. Insurance is a conditional agreement
c. aim of the Treaty is to shift the risk to the person
d. That by diverting existing liability risks that the insured pays premiums
e. the insured receives indemnity suffered from the person.
f. In the insurance agreement the insured party was to receive indemnification must attached to nature have an interest for the event that is not certain it is that he is not suffering anymore.

Many of the causes that make the reduction of value it can be prevented and it is expected to be violent. But many also causes that decrease the value of the object has properties that cannot be expected. Due to the fire, then the object will be destroyed by Europeans, because theft then someone will lose valuable goods, because the hurricane then someone will suffer a loss of crop.

All of these things, fire, theft, hurricanes and others it is events that on the one hand, although chances are it will happen, it is not able to  the with a certainty, and on the other hand that the person who timpanist it usually suffer greater losses from factor-factor normal losses, while these events sometimes can also lead to possible collapse in the financial circumstances of the person.

If it is connected with the insurance then it can be said that the loss of the people that were able to philandering or reduced, in fact borne by people of other origins for it previously exchanged between people who are worried, would suffer a loss with people who are willing to bear the losses that the insurance Covenant

Based on the seriousness of the risks facing large chiefly from Englishman company and how large a percentage of a specific claim about the likely will happen, and these are chiefly the statistical  can calculate what is the  replacement  and discriminant as the amount of this premium from the insured, but in total it still also include all fees and expenses of the client company.

The insurance agreement has a goal of replacing losses on insured, so the insured must be able to show that he suffered a loss and actually suffer a loss. In insurance that every time is always guarded lest until an insured that are only intended to get rid of a disadvantage only and expect a good thing enjoy it by way of insurance put on speculation, the important thing is that the insured must have an interest that the losses for which she  her it would not be him.

1. fails to concertmaster progress in areas of expertise or field of profession of your own
2. Too fixated on a particular field of specificity
3. Reticent to bear higher, or afraid to bear responsibility for his own actions
4. failing to make a decision that is reliable and timely
5. infection control Ignores the field adequately
6. fails to make work endangerment, overseen and completed
7. fails to make use of precious time just to handle the details and manage the Affairs of another person
8. The Reluctant achievement assess yourself realistically
9. obtain minimal thing and Surrendered then pursues the most out
10. Abuse of managerial position to satisfy personal interests
11. do not say the truth and do not fulfill the promise
12. failed to serve as a model for subordinates
13. More wants to be liked rather than respected
14. fail to cooperate with subordinate
15. failed to get advice and assistance from the subordinate
16. Failure to cultivate a sense of responsibility amongst the subordinates
17. More selfish than regulation skills employment trinkets
18. don’t give a criticism that is built
19. Lax, ignoring complaints and grievances of subordinates
20. Negligent give important information to the employees of the
21. Negligent treat subordinates as individual dignity
22. neglecting to train cadres to replace your current position

Above you’ve read about any errors or weaknesses of the managers. How about you,? whether you agree or not? do you also have examples of other errors that are owned by a Manager

According to the research of w. Brown (1998) about human resources, found that the weaknesses of the Manager are as follows:?

1. do not want to Accept personal responsibility
2. failing to Develop Fruit
3. try to control the outcome, not the Control way of thinking
4. join a group of misrepresentation
5. take care of Everybody in the same way
6. forget the importance of Profit
7. concentrate on the issues, instead of the purpose
8. become a peer, not Leaders
9. failing to set the standard
10. failing to train the Children Fruit

12. Just Appreciate the highest success
13. Try to  Manipulating Courtier (people)

Investment management company (which usually is an awful lot of Manager account on behalf of its customers such as pension funds and the funds donated by the Foundation) that is transacting in the foreign exchange market to the needs of foreign currency in order to Transact the purchase of shares in a foreign country. Foreign exchange transactions for them is not a main investment goals so that it does not deal with the purpose of speculation or for the purpose of obtaining an advantage as possible.

Hedge funds

Hedge funds [11] [12] (an investment company that runs the business activities of speculative transactions for profit) such as George Soros [13] that his reputation rise caused by currency speculation activities he does aggressively since 1990. He manages the funds of trillions of US dollars and could still borrow more trillions of US dollars and therefore able to make interventions carried out by the central bank of a country to maintain the exchange rate of its currency to be helpless if economic fundamentals depending upon the “mercy” of hedge funds.

Foreign exchange brokers

Foreign exchange brokers is a company that was founded specifically to perform the services of the middleman for the benefit of its customers in the field of the money market by obtaining return for their contributions.[14] according to CNN, a foreign exchange brokerage transaction volume has between 25 to 50 trillion US dollar per day or about 2% of the total value of the transaction of foreign exchange markets and as reported by the Futures Trading Commission website (Commodity Futures Trading Commission-FTC) that the beginner investors can easily become targets of fraud in foreign exchange trading.