Level of wealth is not measured by the amount of actual income, but rather depends on the character of earnings management. In short, no matter how small the income, it is possible to be rich if they are willing and able to innovate in financial management. What is financial innovation? It is simply doing different things in financial management. For example, if most people use credit cards to get into debt, in the corridors of financial innovation, use of credit cards is to take advantage of grace payments so that you can use the funds of others, in a certain period of time without any cost.

So, if you shop on this day and then pay it off before maturity, meaning you can get additional cash flow in period, which can be used for various things.

Imagine, if you can buy goods at a price of “X”, for example, then resell it at a price of “X” plus a profit, you have to do business without capital, and even make a profit. In other words, debt that is used for productive activities is one of financial innovation, moreover, if the debt itself was obtained without any costs like the use of credit cards. What if it raises the interest cost of debt? No problem. As long as interest costs are still lower than the benefits, you still belong among the innovative. So, in sum, develop an asset could be done without capital. It was obtained from the debt capital then used to do business. And business results are capable of providing higher returns than the cost of debt itself.

Another example of financial innovation is to have as much earning assets compared to the asset consumer. Have you ever seen the traders who lived in a shop house, where the lowest floor used for trade, while the upper floors used as a residence? That is, a place of business and residential units into one. In other words, the shop houses are not just houses, but have been a productive asset that can generate money, or the place to do business. How about you? You may have houses more than one. And you do not live in the house every month instead drains your pockets because it must pay the cost of electricity and other maintenance costs. In fact, housing conditions continued to decline due to age and other factors. Concretely, some houses that you have not are only not productive, but instead become a burden. Therefore, those homes should be made productive in terms of revenue, such as leased to another party.

Financial innovation can also be done by choosing the right investment. Understanding the right investment here is how to send your money “work” for you. So, money makes money. How? Perform active investment. Active investing is a regular select and evaluates investments that have been made. In capital markets, for example, some circles to buy stock then continue to hold it in long periods of time, with the hope of obtaining dividend and capital gains. It’s not wrong. However, in a period of time, could have held the stock price decline in price. Among which holds these shares may be indifferent or even sell it for fear that the stock price will decline.

In conducting a business opportunity or chance to do a business, which produces good value for money was a small amount of money and even more great, then you will be a bit much to think how to do a marketing activity with its eficiency is in high level.

There are many types of marketing activity that can give you the ease in performing sales activities, as an example of your marketing activity by way of door to door, or through a lot of sales activity with the help of marketing tools, such as advertising services.

However there is also conducting a marketing activity in a different way, namely by way of reverse or anti-marketing, is the way this one is not much one can do, because like a lot of activity required to innovate in terms of making sales, for example innovation that uses reverse this stance is, the business in not profit oriented but oriented the happiness (business not only refers to the profit itself, but refers to the happiness and satisfaction).

The words above are innovative as this reflects the anti-marketing, however, is very powerful indeed if the prospective customer satisfaction is achieved, this will cause a tremendous effect on sales activity, is because the person is satisfied, then directly or indirect customers who are satisfied will inform others about your product is truly worthy to be used, or used.

Below are things that are vital for you whenever you intend to start your own business.

1. Family support
Family support when building a business is in need. Discuss how the influence of working alone on the family before making a commitment. If you do not get full support, it would be folly if it continued. Therefore, involve them in decision-making process.

2. Professional Advice
Before making a commitment to invest in business, you should seek advice from a professional. The Bank will provide you with a valuable assessment. Network business consultant and accountant can also assist you in producing a business plan.

3. Business Plan
The business plan has a dual purpose. As a working document that will be benchmark your business performance, as well as represent the financial support for your business. Important business plan presented well. It is also advisable to send copies to creditors first before the scheduled meeting.

4. Emergency Reserve
Always advisable to have a reserve fund if the business takes longer to take off as expected. Emergency plan for spending a few years will be very useful.

There is a saying that the consumer is king. Proverb that I think is still relevant to current conditions or even universal. Seller will not be able to sell if there were no consumers, consumer vice versa will not be able to meet all their need if there are no sellers.

I think the effort to maintain consumer is far more difficult than getting new customers. Each business activity will compete to retain customers with a variety of ways so that the consumer does not move to another customer. Treat the consumer as king over many perceived by companies engaged in services. For those of you who have business that you run the center, there is a simple way how to retain customers in order to always give money to us. These are tips for you:

1. Greet customers properly. The point is, when consumers come to where we are; welcome the consumers with a smile. The first point we have got a sense of a “friendly”.

2. Ask what they need. We must pro-actively ask first advance what the consumer needs.
3. Provide the best quality. Every product that we give must be the best. Never provide to consumers with the bad products. This will create a bad impression for the customers of our products sale.
4. Give a fair price. In the highly competitive price of a products or services are critical. To buy something consumers usually opt to choose any place that is cheaper. Give
them with a reasonable price but still accompanied by good quality, commonly, consumers will always return to our place.

5. Keep promises; strive every promise we give to consumers to always keep. Never make promises to us consumers if we can not fulfill.

These tips are powerful enough because consumers feel cared for. Now if the spiritual bond already formed is difficult for consumers to move to another place.