Plan your loan: It should be considered carefully:
1. What is the use of the loan?
2. How much interest can be given?
3. Payment period.
4. When is the payment?
5. What payment methods will be?

Prepare a letter to the lender: It’s always better to follow up a loan with a letter. The letter contains a summary of the loan and the desired loan proposal with a good style and professional. Formal letter like this can also be used as a cover letter when sending business plans to acquaintances who are interested.

Once we have a good business plan, it is time the business plan presented to the target investors. There is what we call the “Elevator Speech” and also called “Kitchen Table Pitch”.

Elevator Speech: We only have 20 seconds to say the purpose and objectives of the proposal. Therefore, the presentation must be concise, clear, and focus to the goal.

Kitchen Table Pitch: Normally when we eat in the dining room, the condition is always formal. Well, if eating at the kitchen table, usually relax and informal. In the context of relatives, close friends/relatives and acquaintances, informal approach may be better used.

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Savings remain important as an account that holds our emergency fund, as protection against self and family members increasingly recognize so that buying insurance is recommended. And finally the investment needed to maintain purchasing power and expand our wealth. Then the next question is, what alternative investments that offer above yields on savings interest rate?

To start your own business takes a special time and energy and no small amount of funds in order to run well. Therefore, mutual funds present as an alternative that is quick and easy to start investing. In addition, it can be started with relatively low amount of funds, and also handled by people who are experts in their fields. Mutual fund is a container for a set of investors to invest in financial instruments with the help of the investment manager.

Financial independence is being dream of every human. Someone said to be financially independent while he was able to achieve financial goals such as: there are savings for emergency fund, protection for the risk, buy a house, a car, children’s education fund, vacation fund, and pension fund.

There are three types of risk profiles of investors who are generally known, namely:
1. Conservative Profile is the type of investors who want stability and certainty. This type does not like risk. Generally, the preferred type of investment is a property, insurance products and savings.
2. Moderate Profile is the type of investors who have a higher tolerance of risk than the conservative types in the hope of getting better results that equivalent and balanced. Generally, the preferred type of this investment is mutual funds.
3. Aggressive Profile is the type of investors who have a tolerance for the highest risk. This type likes “high risk, high return” because this wanted the return of the highest possible investment results. Preferred type of this investment is stocks or own business.

So there’s nothing to fear to start investing. You can do well if you understand and check on four basic principles before investing. Thus if there is various types of investments offered so you can confidently answer yes or no because you already know what is suitable for yourself.