With today's economic problems, everyone wants to save money, especially when shopping. Using coupons and coupon codes is one of the best ways to do so. Coupons can help you save hundreds of dollars every month. Catch is, you have to know how to get them and know what you are doing. Luckily, numerous stores now offer more deals, which you can check online. Some, have membership cards that give you more perks. Ask for these deals and for more information through online customer support or through phone. That way, if you see something you want to buy in store, you save up more!
What's more, you get even bigger savings through loyalty programs if you shop in a store regularly. These loyalty programs provide their members with discounts that the average buyers do not get. This is most needed when doing grocery shopping, because that is where you need much savings and you often visit. Get twice as much savings by keeping store coupons along with your manufacturer's coupons. Combining these two promotions can get you the most money. Check your weekly ad circulars to check what's available for sale. Next, visit the manufacturer's website and check for an online coupon. Couponing or doubling up your coupons or coupon codes can save you more money!
Make sure you organize your coupons. Go through your stock at least once a month and check their expiration dates. Do you have any expired coupons? Do not just toss them out. They can still be used if you donate them to overseas military families. They can still use them even after several months of expiration. It is one privilege they are advantageous of.
Check for online coupon codes first before shopping. A lot of stores provide them on their sites. Likewise, there are websites exclusively offering nothing but online coupons. This may include storefront coupons as well as companies that are online only, such as Home Bistro food delivery service. They come available for all most all items, even to those that are already available for sale.
What is great about these coupons is that you can use them more than once, even on different items. You have to read the fine print first, though, just to be sure. But, in theory, you should be able to do this most of the time and for almost everything in the store at one time or another. Store your coupons in a clear plastic bag. This way, it will save you time from rummaging through your bag inside and out for them. And they look neater too. It's very practical. They won't fly around the place. Plus, they won't get wet.
Aside from loyalty memberships, join clubs. Some grocery and department stores provide big club saving discounts exclusively available to their members. When signed up, you can get your perks emailed straight to your inbox. More than that, you may be able to combine these coupons with another deal, making it one thing you should not pass up. Signing up for newsletters and emails may additionally net you some coupons or coupon codes that are also available only to preferred customers. This can be true for some storefront businesses, but is especially true for many online-only companies. For example, online home food delivery companies such as Home Bistro do not have a store front, and many of these discount codes can help save on the price of the food or even on the shipping. Checking the newsletters and emails regularly will keep you up to date on the most recent sales.
Going through online reviews, such as Home Bistro Reviews, for instance, can help you get the best products at their lowest price. You may find sales or more Home Bistro Coupons and Coupon Codes, as well. Many customers will mention what they bought and how much they saved in their reviews, whether it be on the company's website or, more likely, on another review-based or coupon code-based website. If you pile up your paper coupons, it may be hard to remember which codes you have, so you may be better off getting a coupon organizer. Get them organized either alphabetically or by your favorite supermarket. You may also sort them per discount code per item. If you find something you think is a good deal, go ahead and get more copies. You may even share them with your friends and relatives.
Before heading to the nearest store with your coupons or coupon codes, review first your spending habits. When grocery shopping, do you spend more than what you can afford? Make a record and track when prices fluctuate and when your favorite store offers in-store coupons. This way, you get bigger savings either quarterly or semi-annually for your groceries or products.
Now that you know how to save money through online coupons, it will be easier to enjoy shopping much more and maybe even save enough money to splurge yourself. When you know where to look and how they work, you can get coupons for bundles and end you up saving more. Just follow these golden rules to get the best coupons.
Find the best reviewed Prepared Meals, and Diet Meal Delivery Services by reading consumer reviews at
Find great values, read consumer reviews and get working online coupons from prepared meal delivery companies and diet delivery services by visiting:
Donderdag 23 Mei 2013
Donderdag 16 Mei 2013
{prltitle}
For companies operating in today's fast-changing, global marketplace, every day presents a completely new set of challenges, risks and potential rewards. Changing needs, advancing technology and market pressures combine to create ongoing, fundamentally new ways of doing business. Existing processes and methods have to be streamlined in such a way that business managers can adapt to the changing conditions.
It is not revolutionary to state that processes - specific, ordered steps and methods that run the different parts of any enterprise - are what drive business, and distinguish agile and forward-looking ones from companies that are flailing and foundering. However, most companies continue to look for new methods and new technology, which cost serious amounts of money, instead of looking at the way they manage and optimize existing practices. Business Process Management (BPM) software is an important tool for this.
First, some definitions
There are any number of formulas, equations and "bottom line numbers" that tell business owners if they are profitable or not. There are a few core ones, however, that help business owners and managers understand why they are profitable (or not). Two of the most helpful of these are Return On Investment (ROI) and Total Cost of Ownership (TCO).
ROI can be broken down for separate operating divisions and departments, although it is probably most common to hear the term applied to a "total" corporate financial calculation. For the purposes of this article, the ins and outs of calculating ROI - with various interest rates, amortization tables, investment considerations, inventory calculations and so forth - are not as important as understanding the general thrust of the term. ROI is crucial if businesses intend to survive and prosper, as it affects its total financial health and determines a firm's ability to raise new capital.
TCO, rather than being a single corporate figure, is applied to those aforementioned separate operating divisions and departments, primarily technology and other "hardware" areas. The TCO calculation is one that is made in regards to automobiles and building ownership, for example, as well as for the PCs in the office and the mainframes, networks and other elements of a firm's technology base. The calculation takes into account computer use, network costs, repair and maintenance, security costs and every other impact on the cost of the business technology.
How BPM helps
Business processes are sets of linked steps or actions that, taken as a whole, result in a particular, defined outcome, whether internal or external to the firm. Because documenting and automating business processes means working with language - describing what is done, why and how and when it is done, what people and/or systems actually do it, how well it is accomplished - businesses amass a great deal of information and informal processes that are described and handled by different people in different ways. When employees take this specialized and hard-to-communicate knowledge and experience with them when they leave, companies can be left in the lurch.
However, Information Age technology allows firms to document such informal business processes, even those that extend across departments and systems using multiple, unconnected resources. BPM software is one key to converting once-personal processes into efficient, responsive and teachable ones using industry-standard vocabularies. As a management discipline, then, BPM integrates people with the right content and the right applications in a process-centered, cross-functional manner that can be understood and explained in basic English. Jargon, remember, is an enemy of clarity in BPM as it is everywhere else.
Multiple bottom lines
BPM solutions give businesspeople the tools that help make their firms processes clear and understandable. TCO calculations will deal with the actual items and events involved in real-world workflow with specific equipment, thus reflecting reality rather than a projection or assumption. ROI figures will similarly communicate the effects of real decisions, investments and market results. BPM software provides the overall, real-time-based environment in which TCO- and ROI-related decisions will be based on timely data of the most comprehensive type.
Affecting both ROI and TCO, BPM software offers a range of important benefits. Companies can expect:
* enhanced corporate efficiency and new communications clarity;
* better support for personnel efforts that, in turn, support change and rapid innovation;
* increased customer retention by improving customer access to information;
* improved regulatory compliance, and lowered risk of manual processing errors;
* lower TCO from connecting users, content and applications in a unified BPM environment; and
* general efficiency improvements that drive increases in ROI.
It is not revolutionary to state that processes - specific, ordered steps and methods that run the different parts of any enterprise - are what drive business, and distinguish agile and forward-looking ones from companies that are flailing and foundering. However, most companies continue to look for new methods and new technology, which cost serious amounts of money, instead of looking at the way they manage and optimize existing practices. Business Process Management (BPM) software is an important tool for this.
First, some definitions
There are any number of formulas, equations and "bottom line numbers" that tell business owners if they are profitable or not. There are a few core ones, however, that help business owners and managers understand why they are profitable (or not). Two of the most helpful of these are Return On Investment (ROI) and Total Cost of Ownership (TCO).
ROI can be broken down for separate operating divisions and departments, although it is probably most common to hear the term applied to a "total" corporate financial calculation. For the purposes of this article, the ins and outs of calculating ROI - with various interest rates, amortization tables, investment considerations, inventory calculations and so forth - are not as important as understanding the general thrust of the term. ROI is crucial if businesses intend to survive and prosper, as it affects its total financial health and determines a firm's ability to raise new capital.
TCO, rather than being a single corporate figure, is applied to those aforementioned separate operating divisions and departments, primarily technology and other "hardware" areas. The TCO calculation is one that is made in regards to automobiles and building ownership, for example, as well as for the PCs in the office and the mainframes, networks and other elements of a firm's technology base. The calculation takes into account computer use, network costs, repair and maintenance, security costs and every other impact on the cost of the business technology.
How BPM helps
Business processes are sets of linked steps or actions that, taken as a whole, result in a particular, defined outcome, whether internal or external to the firm. Because documenting and automating business processes means working with language - describing what is done, why and how and when it is done, what people and/or systems actually do it, how well it is accomplished - businesses amass a great deal of information and informal processes that are described and handled by different people in different ways. When employees take this specialized and hard-to-communicate knowledge and experience with them when they leave, companies can be left in the lurch.
However, Information Age technology allows firms to document such informal business processes, even those that extend across departments and systems using multiple, unconnected resources. BPM software is one key to converting once-personal processes into efficient, responsive and teachable ones using industry-standard vocabularies. As a management discipline, then, BPM integrates people with the right content and the right applications in a process-centered, cross-functional manner that can be understood and explained in basic English. Jargon, remember, is an enemy of clarity in BPM as it is everywhere else.
Multiple bottom lines
BPM solutions give businesspeople the tools that help make their firms processes clear and understandable. TCO calculations will deal with the actual items and events involved in real-world workflow with specific equipment, thus reflecting reality rather than a projection or assumption. ROI figures will similarly communicate the effects of real decisions, investments and market results. BPM software provides the overall, real-time-based environment in which TCO- and ROI-related decisions will be based on timely data of the most comprehensive type.
Affecting both ROI and TCO, BPM software offers a range of important benefits. Companies can expect:
* enhanced corporate efficiency and new communications clarity;
* better support for personnel efforts that, in turn, support change and rapid innovation;
* increased customer retention by improving customer access to information;
* improved regulatory compliance, and lowered risk of manual processing errors;
* lower TCO from connecting users, content and applications in a unified BPM environment; and
* general efficiency improvements that drive increases in ROI.
Donderdag 09 Mei 2013
{prltitle}
Convenient is probably the first word many people think of to describe payday advances. A payday loan is a great solution when you need money quick. Now as more people are getting involved online payday loan companies are making themselves available.
Just as you may buy books or clothes on the Internet, you can trust many payday loan sites to allow you to securely transfer money. Respected loan sites connect you with trusted lenders who work with you to secure your advance. If you have an unexpected money need, you can have your money quickly and without worry.
Though quick and easily understandable there are still some cash advance rules for borrowers. First, you have to be a United States citizen who's at least 18 years old and has an active checking account. You must have a regular income and generally the threshold is at least ,000 per month. As long as you're not actively in the armed services you should be eligible. In addition to general requirements, there may be a few rules that are unique to a company.
Many people like payday loans because credit history is mostly a non-factor. Issues like bankruptcy won't affect your candidacy. A key factor in choosing a site to do business is to know whether the company who operates the site processes the loan or if they only connect you to the lenders. The selection process on third-party sites may be more rigorous but still offers good chances for a loan.
If you're already sure that you qualify, you're well on your way to a successful cash transaction. First, make sure you trust your cash advance site. Then all you have to do is complete the personal information form. After that a loan representative will contact you to confirm your information and complete the application process. Unless you're required to send in other information this is the last step before you're approved. Once approved your money will be transferred into your account.
On the Internet the payday loan process is made especially simple. The online forum is very suitable for quick money transactions. Online payday advances are technologically sound and can mean a lot for you.
Just as you may buy books or clothes on the Internet, you can trust many payday loan sites to allow you to securely transfer money. Respected loan sites connect you with trusted lenders who work with you to secure your advance. If you have an unexpected money need, you can have your money quickly and without worry.
Though quick and easily understandable there are still some cash advance rules for borrowers. First, you have to be a United States citizen who's at least 18 years old and has an active checking account. You must have a regular income and generally the threshold is at least ,000 per month. As long as you're not actively in the armed services you should be eligible. In addition to general requirements, there may be a few rules that are unique to a company.
Many people like payday loans because credit history is mostly a non-factor. Issues like bankruptcy won't affect your candidacy. A key factor in choosing a site to do business is to know whether the company who operates the site processes the loan or if they only connect you to the lenders. The selection process on third-party sites may be more rigorous but still offers good chances for a loan.
If you're already sure that you qualify, you're well on your way to a successful cash transaction. First, make sure you trust your cash advance site. Then all you have to do is complete the personal information form. After that a loan representative will contact you to confirm your information and complete the application process. Unless you're required to send in other information this is the last step before you're approved. Once approved your money will be transferred into your account.
On the Internet the payday loan process is made especially simple. The online forum is very suitable for quick money transactions. Online payday advances are technologically sound and can mean a lot for you.
Dinsdag 07 Mei 2013
{prltitle}
Mother's Day is a time to show the mothers in our lives how much we love them. It doesn't need to be an expensive occasion that requires a payday advance.
In general, mothers just want to be reminded that they are loved and appreciated. Giving your time can do this just as well or even better than spending a lot of money on Mother's Day.
One way to do this is to make sure the mother in your house doesn't have to do any work around the home. Have the rest of the family work together to make meals, clean dishes, do laundry, and any other tasks that the mother usually has to do or at least share in the work. Make it an extra-special day by doing spring cleaning around the entire house so she doesn't have to worry about keeping the house clean for awhile.
Mother's Day is perhaps the busiest day of the year for restaurants, which means long wait times to go along with the added expense of eating out. You can avoid this by making the mother her favorite meal. It will especially mean a lot to her if all her children help out in any way they can.
An added bonus for the mother would be for the special meal to be breakfast in bed so she can start her special day out right.
Mothers will cherish gifts made for them by their children more than expensive flowers that last only a few weeks or perfume that they will rarely wear. Have the children gather wildflowers to make a bouquet, which can be decorated cheaply with supplies from a craft store.
Another option would be creating a photo album showing the children as they grow up. Have the children decorate the pages with their own pictures for an extra-special touch.
If all your pictures are on your computer, you could make a slideshow set to the mother's favorite sentimental song instead. This can be done with Microsoft PowerPoint or with Windows Live Photo Gallery. Many other free software can be found online for this as well.
If you prefer on getting out of the house and enjoying the spring weather, instead of going out to a restaurant, go to the park and enjoy a picnic lunch together. Also, search online for special deals being offered in your area for mothers. You may not be able to afford a full meal, but you might be able to find a free dessert the mother may enjoy on the way home from the picnic.
At the very least, the children can express their love for their mother by making Mother's Day cards for her. Make sure the children have plenty of craft supplies to express themselves in their creativity.
And if you do not live with your mother, make sure to at least call her on the special day. Cell phone and other technology makes it so easy to keep in contact over long distances on a daily basis, but you still want to make sure your mother knows you are thinking of her. She'll be happy with that, especially if she knows you're struggling with a payday advance.
In general, mothers just want to be reminded that they are loved and appreciated. Giving your time can do this just as well or even better than spending a lot of money on Mother's Day.
One way to do this is to make sure the mother in your house doesn't have to do any work around the home. Have the rest of the family work together to make meals, clean dishes, do laundry, and any other tasks that the mother usually has to do or at least share in the work. Make it an extra-special day by doing spring cleaning around the entire house so she doesn't have to worry about keeping the house clean for awhile.
Mother's Day is perhaps the busiest day of the year for restaurants, which means long wait times to go along with the added expense of eating out. You can avoid this by making the mother her favorite meal. It will especially mean a lot to her if all her children help out in any way they can.
An added bonus for the mother would be for the special meal to be breakfast in bed so she can start her special day out right.
Mothers will cherish gifts made for them by their children more than expensive flowers that last only a few weeks or perfume that they will rarely wear. Have the children gather wildflowers to make a bouquet, which can be decorated cheaply with supplies from a craft store.
Another option would be creating a photo album showing the children as they grow up. Have the children decorate the pages with their own pictures for an extra-special touch.
If all your pictures are on your computer, you could make a slideshow set to the mother's favorite sentimental song instead. This can be done with Microsoft PowerPoint or with Windows Live Photo Gallery. Many other free software can be found online for this as well.
If you prefer on getting out of the house and enjoying the spring weather, instead of going out to a restaurant, go to the park and enjoy a picnic lunch together. Also, search online for special deals being offered in your area for mothers. You may not be able to afford a full meal, but you might be able to find a free dessert the mother may enjoy on the way home from the picnic.
At the very least, the children can express their love for their mother by making Mother's Day cards for her. Make sure the children have plenty of craft supplies to express themselves in their creativity.
And if you do not live with your mother, make sure to at least call her on the special day. Cell phone and other technology makes it so easy to keep in contact over long distances on a daily basis, but you still want to make sure your mother knows you are thinking of her. She'll be happy with that, especially if she knows you're struggling with a payday advance.
Sondag 05 Mei 2013
{prltitle}
Is your wallet overflowing with stuff? Are you constantly frustrated that you cannot find what you need in your wallet because there are receipts, cards, or personal notes crowding the important things? Below are a few simple tips on how to quickly and easily get your wallet organized and keep it organized. You'll discover what to keep and what NOT to keep in your wallet, how to be ready for an emergency, and how to protect yourself in case your wallet is lost or stolen.
Items that SHOULD be in your wallet
Gift Cards - Treat these like cash and keep them with your cash. Over 30% of all gift cards are lost and never get redeemed.
Credit Cards Keep only the credit cards you use with you. If you have cards you are no longer using, keep them in an envelope in your safe deposit box or shred them.
Driver's License or ID
Emergency Contact Card - On a business card size piece of paper, type the names and numbers of two different people you would like to be contacted in the event of an emergency. Have it laminated and keep it behind your Driver's License or ID. If you were to be in an accident, the police and hospital would know who to call.
Medical Insurance Card - Not completely necessary but can be helpful in the case of an emergency or accident.
Auto Insurance Card - If you own and operate a vehicle, it can be helpful to keep a copy of your insurance card in your wallet. Insurance companies typically send you an extra one. This can come in handy in the event that your car is stolen or if you are in an accident and can't get at the one that is in your glove box.
TIP: Make a photocopy of everything in your wallet. Copy the front and backside of all of your credit cards. Keep the photocopy in your safe deposit box. If your wallet is ever lost or stolen you will know exactly what you lost and whom you need to call.
Items that should NOT be in your wallet
Business Cards - You could keep a couple of your own business cards in your wallet. But, as you collect business cards of other people, either enter them into your address book and toss them, or place them in a file.
Receipts - When you get home from shopping, place your receipts into a simple and efficient filing system. I explain how to set-up a super fast self-cleansing filing system in my Fast-Filing Method program.
Misc Notes & Papers - Instead of writing on sticky notes and napkins and shoving them in your wallet, use a more efficient system for organizing your information. I explain how to use a Capture Tool to easily and efficiently keep track of misc information in my Fast-Filing Method home office filing system.
May this be your best and most organized year yet!
Items that SHOULD be in your wallet
Gift Cards - Treat these like cash and keep them with your cash. Over 30% of all gift cards are lost and never get redeemed.
Credit Cards Keep only the credit cards you use with you. If you have cards you are no longer using, keep them in an envelope in your safe deposit box or shred them.
Driver's License or ID
Emergency Contact Card - On a business card size piece of paper, type the names and numbers of two different people you would like to be contacted in the event of an emergency. Have it laminated and keep it behind your Driver's License or ID. If you were to be in an accident, the police and hospital would know who to call.
Medical Insurance Card - Not completely necessary but can be helpful in the case of an emergency or accident.
Auto Insurance Card - If you own and operate a vehicle, it can be helpful to keep a copy of your insurance card in your wallet. Insurance companies typically send you an extra one. This can come in handy in the event that your car is stolen or if you are in an accident and can't get at the one that is in your glove box.
TIP: Make a photocopy of everything in your wallet. Copy the front and backside of all of your credit cards. Keep the photocopy in your safe deposit box. If your wallet is ever lost or stolen you will know exactly what you lost and whom you need to call.
Items that should NOT be in your wallet
Business Cards - You could keep a couple of your own business cards in your wallet. But, as you collect business cards of other people, either enter them into your address book and toss them, or place them in a file.
Receipts - When you get home from shopping, place your receipts into a simple and efficient filing system. I explain how to set-up a super fast self-cleansing filing system in my Fast-Filing Method program.
Misc Notes & Papers - Instead of writing on sticky notes and napkins and shoving them in your wallet, use a more efficient system for organizing your information. I explain how to use a Capture Tool to easily and efficiently keep track of misc information in my Fast-Filing Method home office filing system.
May this be your best and most organized year yet!
Saterdag 04 Mei 2013
{prltitle}
Gabriel Tabalujan- Indonesia A Business Opportunity for Foreign Companies
Business people and entrepreneurs from around the world are now focusing on the various industry sectors in Indonesia to expand their businesses. The successful economy and potential human resources have created a lucrative national market for businesses dealing with various goods and services, making it possible for one to easily set up a flourishing trade or business in this region. Indonesia also sees many foreign investors looking to finance new ventures and start up companies in the country giving businessmen all the more incentive to do business with Indonesia. There are a number of business opportunities available in the country in fields like agriculture, fashion and technology. Since the early days of spice trading, Indonesia has been known for its spices, seafood and other food-based exports. Traders from other countries looking to set up an import-export business here will be able to establish a freight enterprise and forge successful trade relationships between Indonesia and their home country. Another important trade opportunity in Indonesia involves handicrafts, as the country has many artisans who create intricate piece of artwork for export purposes. Indonesia encourages this form of trade as this helps the economy of the country and boosts an awareness of the region's culture for tourism. The economy of Indonesia is currently dependent on tourism and as a result there is great demand for the improvement and enhancement of the existing infrastructure for tourists. Getting involved in airport construction and maintenance is a good business opportunity in Indonesia as foreign investors are allowed a 95% ownership of companies that build public airports.
Some international business people also choose to start restaurants, hotels and other entertainment centres like malls, nightclubs and cafes for tourists, bringing in their expertise and adapting it to suit the traditions and culture of Indonesia.
Apart from these industries that provide one with good business opportunities, there is also a need for IT professionals, various health care services, doctors, engineers, architects and industry professionals in other essential sectors in Indonesia. These sectors can provide ample business opportunities for the discerning investor and entrepreneurs looking to set up job placement companies here.
Indonesia offers many business opportunities for worldwide buyers and investors interested in Indonesia's B2B marketplace. Our new Indonesia business opportunities section includes these categories: Indonesia Industry Indonesia Hi-tec Indonesia real estate Indonesia Services Sundry
________
The Government's reform program, including measures addressing
corporate governance and the legal system, is changing the
business culture.
The Indonesian market rewards Australian businesses that take time
to develop strong personal relationships and community ties.
Managing a business in Indonesia requires a sound understanding
of the culture's influence on hiring, training and managing staff.
Navigating Indonesia's legal and regulatory system is best done with
the aid of a notary; consulting a notary when setting up a company,
obtaining approval for foreign investment and drafting a contract is
strongly advised
Operating successfully in Indonesia requires patience and an understanding of influences affecting
business culture, and legal and regulatory environments. Many promising changes underway in the
Indonesian business environment eventually should help Indonesia emerge as an attractive investment
destination and profitable market for Australian companies.
This chapter analyses cultural influences on business and identifies ways to use these to commercial
advantage. It assesses the possible impact on the commercial environment of reforms introduced
since the financial crisis. Finally, the chapter analyses significant aspects of the changing regulatory
and legal environment relevant to undertaking business.
_____ ______ __ ______
Businesses understanding and capitalising on cultural influences are more likely to succeed than
those simply coping' with them. This section identifies how foreign firms can use local approaches to
their advantage.
Investing in relationships is critical to succeeding in Indonesia. Establishing a relationship requires
time, preferably with face-to-face contact with a person of similar age and status. Demonstrating
loyalty and trustworthiness is critical to maintaining a relationship. The longer term returns of investing
in relationships can be significant and include:
expediting bureaucratic processes where the relationship is with a government official
accessing information and distribution networks
opening joint venture opportunities, especially in manufacturing.
Relationships can determine many facets of commercial life, including granting credit, placing orders
and awarding contracts. A longstanding obligation between two people can affect commercial
outcomes. Showing patience and flexibility in commercial dealings builds trust and improves the
chances of a successful outcome; contrasting expectations can have adverse consequences.
Australian business people should not force' a relationship, or overestimate its depth.
Variables including age, gender, educational and marital status, also affect how easily personal and
commercial relationships are formed. Western firms may find it more productive to send older, more
mature executives rather than young personnel to negotiate or work in Indonesia. Men especially are
not considered mature until they are 40 years old, and younger people can be excluded from decision
making processes. In all spheres, younger people defer in language and attitude to older people,
even if the age difference is negligible.
Business people and entrepreneurs from around the world are now focusing on the various industry sectors in Indonesia to expand their businesses. The successful economy and potential human resources have created a lucrative national market for businesses dealing with various goods and services, making it possible for one to easily set up a flourishing trade or business in this region. Indonesia also sees many foreign investors looking to finance new ventures and start up companies in the country giving businessmen all the more incentive to do business with Indonesia. There are a number of business opportunities available in the country in fields like agriculture, fashion and technology. Since the early days of spice trading, Indonesia has been known for its spices, seafood and other food-based exports. Traders from other countries looking to set up an import-export business here will be able to establish a freight enterprise and forge successful trade relationships between Indonesia and their home country. Another important trade opportunity in Indonesia involves handicrafts, as the country has many artisans who create intricate piece of artwork for export purposes. Indonesia encourages this form of trade as this helps the economy of the country and boosts an awareness of the region's culture for tourism. The economy of Indonesia is currently dependent on tourism and as a result there is great demand for the improvement and enhancement of the existing infrastructure for tourists. Getting involved in airport construction and maintenance is a good business opportunity in Indonesia as foreign investors are allowed a 95% ownership of companies that build public airports.
Some international business people also choose to start restaurants, hotels and other entertainment centres like malls, nightclubs and cafes for tourists, bringing in their expertise and adapting it to suit the traditions and culture of Indonesia.
Apart from these industries that provide one with good business opportunities, there is also a need for IT professionals, various health care services, doctors, engineers, architects and industry professionals in other essential sectors in Indonesia. These sectors can provide ample business opportunities for the discerning investor and entrepreneurs looking to set up job placement companies here.
Indonesia offers many business opportunities for worldwide buyers and investors interested in Indonesia's B2B marketplace. Our new Indonesia business opportunities section includes these categories: Indonesia Industry Indonesia Hi-tec Indonesia real estate Indonesia Services Sundry
________
The Government's reform program, including measures addressing
corporate governance and the legal system, is changing the
business culture.
The Indonesian market rewards Australian businesses that take time
to develop strong personal relationships and community ties.
Managing a business in Indonesia requires a sound understanding
of the culture's influence on hiring, training and managing staff.
Navigating Indonesia's legal and regulatory system is best done with
the aid of a notary; consulting a notary when setting up a company,
obtaining approval for foreign investment and drafting a contract is
strongly advised
Operating successfully in Indonesia requires patience and an understanding of influences affecting
business culture, and legal and regulatory environments. Many promising changes underway in the
Indonesian business environment eventually should help Indonesia emerge as an attractive investment
destination and profitable market for Australian companies.
This chapter analyses cultural influences on business and identifies ways to use these to commercial
advantage. It assesses the possible impact on the commercial environment of reforms introduced
since the financial crisis. Finally, the chapter analyses significant aspects of the changing regulatory
and legal environment relevant to undertaking business.
_____ ______ __ ______
Businesses understanding and capitalising on cultural influences are more likely to succeed than
those simply coping' with them. This section identifies how foreign firms can use local approaches to
their advantage.
Investing in relationships is critical to succeeding in Indonesia. Establishing a relationship requires
time, preferably with face-to-face contact with a person of similar age and status. Demonstrating
loyalty and trustworthiness is critical to maintaining a relationship. The longer term returns of investing
in relationships can be significant and include:
expediting bureaucratic processes where the relationship is with a government official
accessing information and distribution networks
opening joint venture opportunities, especially in manufacturing.
Relationships can determine many facets of commercial life, including granting credit, placing orders
and awarding contracts. A longstanding obligation between two people can affect commercial
outcomes. Showing patience and flexibility in commercial dealings builds trust and improves the
chances of a successful outcome; contrasting expectations can have adverse consequences.
Australian business people should not force' a relationship, or overestimate its depth.
Variables including age, gender, educational and marital status, also affect how easily personal and
commercial relationships are formed. Western firms may find it more productive to send older, more
mature executives rather than young personnel to negotiate or work in Indonesia. Men especially are
not considered mature until they are 40 years old, and younger people can be excluded from decision
making processes. In all spheres, younger people defer in language and attitude to older people,
even if the age difference is negligible.
Dinsdag 30 April 2013
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1. A new employee may not have a P45 due to circumstances of first job, student, first employment in the current financial year, immigrant worker, P45 lost or perhaps not issued by a previous employer or issued late. If a new employee does not give the new employer a P45 on the day employment commences then the employer has a responsibility to ensure the new employee completes a P46 form
Completing the Inland Revenue P46 form is the method an employer uses to advise HMRC about the employment of a new employee who does not have a P45.
2. P46 forms should be sent to HMRC on the first pay day they are paid allowing a short period of time for a new employee who does not have a P45 to obtain one.
3. A new rule was introduced from 6 April 2008 if the employee has ticked either box A or B then the P46 revenue form does not have to be sent to HMRC until that employee earnings reach the lower earnings limit. PAYE records still need to be produced by the employer but official notification to HMRC is not required unless the lower earnings level is exceeded.
Should the earnings of the employee continue to be below the lower earnings limit then the earnings and employment would still be advised to HMRC on the P35 annual employers return.
4. If the new employee does not complete the Inland Revenue P46 form before the first pay day then the new employer should complete section one. Section one includes the employee name and address, date of birth and national insurance number.
5. If the employee does not have a national insurance number then the employer must also advise the job centre. It is important to advise the authorities when the employee does not have a number to avoid illegal employment laws. The P46 revenue form can still be submitted to HMRC without a national insurance number who have the facility to trace the number from the information supplied.
While preferable for the employee to sign the P46 form the P46 tax form can be submitted by an employer without the employee signature.
6. If the employee does not complete the P46 the employer must deduct tax using a BR tax code taxing all earnings and excluding personal tax allowances.
7. The tax code to be applied to new employee earnings is dependent upon when the employee joined and which of the boxes A, B or C are ticked on the P46 tax form.
If box A is ticked then apply the emergency tax code which from 6 April 2008 is 543L and after 7 September 2008 and the new tax code 603L. Tax is deducted on a cumulative basis. If box B is ticked then apply the emergency tax code which from 6 April 2008 is 543L and after 7 September 2008 and the new tax code 603. Tax is deducted on a week 1 or month 1 basis.
If box C is ticked then apply the BR tax code. Income tax is deducted on cumulative basis.
If none of the boxes A, B or C are ticked then apply the BR tax code and deduct tax on a cumulative basis.
8. If the new employee has ticked box D then student loan deductions should be made with effect from the first pay date provided the earnings level for deduction of student loans has been reached. Refer to the student loan deduction tables at Student Loan Table to determine how much should be deducted.
9. P46 forms can be filed online by an employer. When the Inland Revenue P46 form is filed online the employer should also have kept a record of how the information submitted was obtained.
10. Before the P46 Inland Revenue form can be filed online the employer must have obtained the facility to do so by registering with HMRC for a PAYE scheme. The HMRC website contains free software that can be used for this purpose.
Completing the Inland Revenue P46 form is the method an employer uses to advise HMRC about the employment of a new employee who does not have a P45.
2. P46 forms should be sent to HMRC on the first pay day they are paid allowing a short period of time for a new employee who does not have a P45 to obtain one.
3. A new rule was introduced from 6 April 2008 if the employee has ticked either box A or B then the P46 revenue form does not have to be sent to HMRC until that employee earnings reach the lower earnings limit. PAYE records still need to be produced by the employer but official notification to HMRC is not required unless the lower earnings level is exceeded.
Should the earnings of the employee continue to be below the lower earnings limit then the earnings and employment would still be advised to HMRC on the P35 annual employers return.
4. If the new employee does not complete the Inland Revenue P46 form before the first pay day then the new employer should complete section one. Section one includes the employee name and address, date of birth and national insurance number.
5. If the employee does not have a national insurance number then the employer must also advise the job centre. It is important to advise the authorities when the employee does not have a number to avoid illegal employment laws. The P46 revenue form can still be submitted to HMRC without a national insurance number who have the facility to trace the number from the information supplied.
While preferable for the employee to sign the P46 form the P46 tax form can be submitted by an employer without the employee signature.
6. If the employee does not complete the P46 the employer must deduct tax using a BR tax code taxing all earnings and excluding personal tax allowances.
7. The tax code to be applied to new employee earnings is dependent upon when the employee joined and which of the boxes A, B or C are ticked on the P46 tax form.
If box A is ticked then apply the emergency tax code which from 6 April 2008 is 543L and after 7 September 2008 and the new tax code 603L. Tax is deducted on a cumulative basis. If box B is ticked then apply the emergency tax code which from 6 April 2008 is 543L and after 7 September 2008 and the new tax code 603. Tax is deducted on a week 1 or month 1 basis.
If box C is ticked then apply the BR tax code. Income tax is deducted on cumulative basis.
If none of the boxes A, B or C are ticked then apply the BR tax code and deduct tax on a cumulative basis.
8. If the new employee has ticked box D then student loan deductions should be made with effect from the first pay date provided the earnings level for deduction of student loans has been reached. Refer to the student loan deduction tables at Student Loan Table to determine how much should be deducted.
9. P46 forms can be filed online by an employer. When the Inland Revenue P46 form is filed online the employer should also have kept a record of how the information submitted was obtained.
10. Before the P46 Inland Revenue form can be filed online the employer must have obtained the facility to do so by registering with HMRC for a PAYE scheme. The HMRC website contains free software that can be used for this purpose.
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