Showing posts with label Tips - Tips. Show all posts
Showing posts with label Tips - Tips. Show all posts

Tuesday, September 16, 2008

Penggunaan Kartu Kredit secara Bijak

Saat ini sepertinya sudah jamak orang mempunyai kartu kredit, apalagi buat pekerja yang hidup di Jakarta atau kota-kota besar lainnya. Hanya saja tidak setiap orang mampu mengelola penggunaan kartu kreditnya secara bijak. Dan akhirnya harus menghadapi tagihan Debt Collector dari Bank penerbit kartu kredit.

Teman kosku pernah mengalami hal ini yaitu harus menghadapi tagihan2 dari para Debt Collector. Temanku itu mempunyai 4 kartu kredit dari 4 Bank yang berbeda, dengan penggunaan maksimum dan minimum payment setiap bulannya. Sampai akhirnya dia datang ke kamarku untuk minta saran apa yang sebaiknya dia lakukan. Saat dia minta saran aku belum punya kartu kredit...aneh ya hehehehe.....minta saran sama orang yang gak punya kartu kredit :D

Aku saranin ke temenku itu untuk meminjam uang ke perusahaan tempat dia kerja atau mengambil tawaran transfer balance dari Bank yang menawarkan bunga rendah atau bunga 0%.... terus bayar semua tagihan kartu kredit setelah itu tutup kartu kredit sisakan 1 atau 2 kartu kredit dengan bunga paling rendah dan mempunyai tawaran2 yang menarik. Dan akhirnya temenku itu bebas dari jeratan hutang kartu kredit.

Tips - tips berkaitan dengan kartu kredit:
  1. Jangan mudah tergiur dengan tawaran sales kartu kredit yang memberi iming2 hadiah misal boneka, hp, voucher belanja dll. Kalau memang kita tidak butuh kartu kredit tersebut jangan apply.
  2. Boleh punya kartu kredit tapi jangan menjadi konsumtif karena kartu kredit.
  3. Ambil kartu kredit dengan bunga rendah dan banyak tawaran2 menarik, misal buy 1 get 1 free, kredit dengan bunga 0% dan lain-lain. Sebaiknya maksimal punya 2 kartu kredit saja, biar kita gak tambah pusing dengan penggunaannya.
  4. Gunakan kartu kredit untuk hal-hal yang benar-benar urgent, misal: Belanja bulanan (sebelumnya daftar belanjaan harus dicatat ya biar gak bengkak), bayar uang muka Rumah Sakit (keadaan darurat), pesan tiket pesawat secara online dll.
  5. Bayar tagihan kartu kredit secara full setiap bulannya, anggap aja kita belanja secara tunai. Sehingga kita tidak kena beban bunga. Sebelum menggunakan kartu kredit pikirkan kemampuan kita membayar tagihannya pada saat jatuh tempo jangan sampai hanya melakukan minimum payment karena kita akan terjerat hutang kartu kredit kalau itu yang kita lakukan. INGAT!!! bunga kartu kredit rata2 42% per tahun jadi bayangkan alangkah besarnya uang yang harus kita bayarkan untuk hutang yang terus berbunga. Kalaupun kita mau membayar secara bertahap karena membeli suatu barang, carilah store yang menawarkan fasilitas cicilan 6 atau 12 bulan dengan bunga 0% atau bisa juga dengan menelpon bank yang mengeluarkan kartu kredit untuk mengambil fasilitas cicilan tetap bisa 3, 6 atau 12 bulan (dan bunganya jauh lebih murah daripada kalau kita membayar bunga karena minimum payment). Sekedar informasi untuk cicilan tetap ini bunga kartu kredit BCA lebih rendah daripada kartu kredit Citibank (Easy Pay).
Kesimpulannya: Pergunakan kartu kredit secara bijak, karena kartu kredit itu bukanlah tambahan dana untuk penggunanya.


by Nana

Twelve Tips for Team Building: How to Build Succesful Work Teams



From Susan M. Heathfield,
Your Guide to Human Resources.
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How to Make Teams Effective

People in every workplace talk about building the team, working as a team, and my team, but few understand how to create the experience of team work or how to develop an effective team. Belonging to a team, in the broadest sense, is a result of feeling part of something larger than yourself. It has a lot to do with your understanding of the mission or objectives of your organization. In a team-oriented environment, you contribute to the overall success of the organization. You work with fellow members of the organization to produce these results. Even though you have a specific job function and you belong to a specific department, you are unified with other organization members to accomplish the overall objectives. The bigger picture drives your actions; your function exists to serve the bigger picture. You need to differentiate this overall sense of teamwork from the task of developing an effective intact team that is formed to accomplish a specific goal. People confuse the two team building objectives. This is why so many team building seminars, meetings, retreats and activities are deemed failures by their participants. Leaders failed to define the team they wanted to build. Developing an overall sense of team work is different from building an effective, focused work team when you consider team building approaches.

Twelve Cs for Team Building

Executives, managers and organization staff members universally explore ways to improve business results and profitability. Many view team-based, horizontal, organization structures as the best design for involving all employees in creating business success. No matter what you call your team-based improvement effort: continuous improvement, total quality, lean manufacturing or self-directed work teams, you are striving to improve results for customers. Few organizations, however, are totally pleased with the results their team improvement efforts produce. If your team improvement efforts are not living up to your expectations, this self-diagnosing checklist may tell you why. Successful team building, that creates effective, focused work teams, requires attention to each of the following.

Clear Expectations: Has executive leadership clearly communicated its expectations for the team’s performance and expected outcomes? Do team members understand why the team was created? Is the organization demonstrating constancy of purpose in supporting the team with resources of people, time and money? Does the work of the team receive sufficient emphasis as a priority in terms of the time, discussion, attention and interest directed its way by executive leaders?

Context: Do team members understand why they are participating on the team? Do they understand how the strategy of using teams will help the organization attain its communicated business goals? Can team members define their team’s importance to the accomplishment of corporate goals? Does the team understand where its work fits in the total context of the organization’s goals, principles, vision and values?

Commitment: Do team members want to participate on the team? Do team members feel the team mission is important? Are members committed to accomplishing the team mission and expected outcomes? Do team members perceive their service as valuable to the organization and to their own careers? Do team members anticipate recognition for their contributions? Do team members expect their skills to grow and develop on the team? Are team members excited and challenged by the team opportunity?

Competence: Does the team feel that it has the appropriate people participating? (As an example, in a process improvement, is each step of the process represented on the team?) Does the team feel that its members have the knowledge, skill and capability to address the issues for which the team was formed? If not, does the team have access to the help it needs? Does the team feel it has the resources, strategies and support needed to accomplish its mission?

Charter: Has the team taken its assigned area of responsibility and designed its own mission, vision and strategies to accomplish the mission.

Has the team defined and communicated its goals; its anticipated outcomes and contributions; its timelines; and how it will measure both the outcomes of its work and the process the team followed to accomplish their task? Does the leadership team or other coordinating group support what the team has designed?

Control: Does the team have enough freedom and empowerment to feel the ownership necessary to accomplish its charter? At the same time, do team members clearly understand their boundaries? How far may members go in pursuit of solutions? Are limitations (i.e. monetary and time resources) defined at the beginning of the project before the team experiences barriers and rework? Is the team’s reporting relationship and accountability understood by all members of the organization? Has the organization defined the team’s authority? To make recommendations? To implement its plan? Is there a defined review process so both the team and the organization are consistently aligned in direction and purpose? Do team members hold each other accountable for project timelines, commitments and results? Does the organization have a plan to increase opportunities for self-management among organization members?

Collaboration: Does the team understand team and group process? Do members understand the stages of group development? Are team members working together effectively interpersonally? Do all team members understand the roles and responsibilities of team members? team leaders? team recorders? Can the team approach problem solving, process improvement, goal setting and measurement jointly? Do team members cooperate to accomplish the team charter? Has the team established group norms or rules of conduct in areas such as conflict resolution, consensus decision making and meeting management? Is the team using an appropriate strategy to accomplish its action plan?

Communication: Are team members clear about the priority of their tasks? Is there an established method for the teams to give feedback and receive honest performance feedback? Does the organization provide important business information regularly? Do the teams understand the complete context for their existence? Do team members communicate clearly and honestly with each other? Do team members bring diverse opinions to the table? Are necessary conflicts raised and addressed?

Creative Innovation: Is the organization really interested in change? Does it value creative thinking, unique solutions, and new ideas? Does it reward people who take reasonable risks to make improvements? Or does it reward the people who fit in and maintain the status quo? Does it provide the training, education, access to books and films, and field trips necessary to stimulate new thinking?

Consequences: Do team members feel responsible and accountable for team achievements? Are rewards and recognition supplied when teams are successful? Is reasonable risk respected and encouraged in the organization? Do team members fear reprisal? Do team members spend their time finger pointing rather than resolving problems? Is the organization designing reward systems that recognize both team and individual performance? Is the organization planning to share gains and increased profitability with team and individual contributors? Can contributors see their impact on increased organization success?

Coordination: Are teams coordinated by a central leadership team that assists the groups to obtain what they need for success? Have priorities and resource allocation been planned across departments? Do teams understand the concept of the internal customer—the next process, anyone to whom they provide a product or a service? Are cross-functional and multi-department teams common and working together effectively? Is the organization developing a customer-focused process-focused orientation and moving away from traditional departmental thinking?

Cultural Change: Does the organization recognize that the team-based, collaborative, empowering, enabling organizational culture of the future is different than the traditional, hierarchical organization it may currently be? Is the organization planning to or in the process of changing how it rewards, recognizes, appraises, hires, develops, plans with, motivates and manages the people it employs? Does the organization plan to use failures for learning and support reasonable risk? Does the organization recognize that the more it can change its climate to support teams, the more it will receive in pay back from the work of the teams?

Spend time and attention on each of these twelve tips to ensure your work teams contribute most effectively to your business success. Your team members will love you, your business will soar, and empowered people will "own" and be responsible for their work processes. Can your work life get any better than this?