Teropitka Business and Finance

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how social media sites making money

You send tweets, update status, pin a picture. It is a way to be in social networking and to interact with other people on your favorite social networks. But how this could do business networking? Money makes the world go round and walk, and maybe even a tweet has value for money followed suit.

Infographic from USBundles shows how popular social networking website can become a successful business, while while serving whatever you do as a check in, update status and to see the live video that you like.

Venn diagram through this infographic explaining, how social networking make money.

Overlapping circles showing who is making money and how they do it. Big red circle, for example, includes companies that make money by selling advertising. Twitter is in this circle, along with Foursquare, 1mint1 and StumbleUpon.

In the middle of the diagram are seen overlapping slices of a red circle with a large blue circle, you’ll find companies that make money using ads and paid subscribers at once, such as LinkedIn and YouTube.

Google is in three circles that the circle is red, blue circle ad about paying customers, and circle of web applications.

After seeing with jelly, social networking company which makes money in the category circles, next we will some infographic notes that statistics about the condition of the overall pretty neat the adai in business social media ecosystem.

For example, a total of 77 percent of social networking earning from advertising, while 10 percent are in new revenue channels.

Get Acquainted With Bank Credit

Some of you may have read the Comic Donald Duck who is very well known. Donald Duck has a stated that Uncle once named rich Uncle Scrooge. Uncle Scrooge McDuck is extraordinary rich so he could build a huge warehouse that can be used to store all her money stacks, either banknotes or coins.

With the amount of money that she had, her money stacks often looks so Uncle Scrooge ­ which is described as being greedy – often soak in between a pile of money.

By this time of course will not discuss about Uncle Scrooge and piles of money. But when we talk about a bank, it could be said that much money may also be owned by a bank where you save money. Though so you never have to worry about banks pile up all his money in a barn like Uncle Scrooge.

Most of the money in the bank that is the customers ‘ money. If the bank keep all money that customers in one place, meaning the money is not productive. Whereas, the bank also had to find revenue to pay interest on savings and deposits that you save on them, right? That’s why, bank then “throw” returned most of the money into the community in the form of a loan (credit).

For example, if you save money Rp 10 million in deposits, the bank promised to give an interest rate, for example, 13 percent per year. By the bank, actually money Rp 10 million will be “thrown” back into society by way of lent it to those in need (like the people who want to open a business or want to buy an item by way of a credit). This includes terms of repayment of loans with interest rates of greater than 1%, let’s say 18 percent.

So ­ ballpark banks will earn $ 1.8 million (18 per cent of the USD $ 10 million), and of that amount, $ 1.3 million of her will be used to pay your deposit interest amount 13 per cent. The difference will be Rp 500 thousand bank profits. Of course, it’s still a profit must be reduced again by the bank’s operational costs such as salaries and so on.

Can you imagine there are how many funds could be loaned by the bank when there are thousands of people who kept his money in the bank? In fact, the banks certainly is not throws 100 percent money its customers into the form of a credit. This is because every day there are just community members an attractive savings money in the bank. Well, if 100 percent customer money in the form of credit, be thrown then if there are customers who want to withdraw his money would be trouble. That’s why, bank certainly has the inventory to cash money is always available for customers who want to attract deposits his money in the bank.

Supply of cash by the bank will be deployed to all field offices and also to ATM machines were restricted course. That’s why the withdrawal of cash in ATMS are often restricted in number. There is a bank that restrict withdrawal of money at an ATM of Rp 7.5 million in one day, there is also the only $5 million in one day. If you want to withdraw money in a greater amount than that, you have to come straight to the checkout counter in the bank.

Withdrawals of money at the cashier at the bank counters are usually not limited in number (as long as Your balance is indeed suffices). It’s just that, because the funds in cash which belonged to the bank usually “limited”, then you usually have to tell first (usually the day before) when it was about to pull in huge quantities. This is so that the bank could provide the first money unattainably.

ALL KINDS OF CREDIT PRODUCTS

So readers, other than could keep money in the bank, you can also borrow money in the bank. Therefore, it doesn’t hurt when you first get acquainted with the products loans (credits) in the bank. Who knows you would indeed need to borrow money from the bank so that this article may be able to increase your knowledge about it.

The Motif of borrowing money in the community. There are people who borrow for capital opening effort. There are also people who borrowed for home renovations, buy a new car, buy a computer, and so on. The difference is these motives ago make the bank then creates the right range of products of the loan. Each product is made to fulfill a different purpose. Basically, there are three kinds of credit products. To With:

1. business credit
2. Consumption Credit
3. multiply purpose Credit

Business credit is a loan used to finance the business turnaround or business so as to produce something productive, such as trade, industrial enterprises undertaking household, business consulting services, and When you have a business prospect looks quite bright, you can come to the bank and apply for the loan funds to get your business.

Whereas the Consumption Credit is credit that used to buy something that is consumerist, such as buying a home or private vehicles. Two credit consumption that is usually quite in demand is Home ownership credit and credits the vehicle. Of course, since the money was to be used by the customer for the purpose of consumption, the risk for the bank that its customers could not afford to pay his loan will become larger so that generally the interest rate charged to customers for credit Consumption is greater than interest credit for the purpose of undertaking.

In addition to the two types of credit, Credit is also Versatile. As written in his name, Versatile Credit is a credit that can be used for any purpose, be for consumption as well as for the effort. Well, one of the all-purpose credit products are often marketed to credit Without Collateral is. Collateral is another name of the guarantee. Lo, wouldn’t borrow money from the bank usually must wear warranties?

In General, when you want to get credit, you have to  one of the treasures you have to the bank so that if you are not able to refund the loan, the bank will confiscate Your property  Of course the value of the goods that guarantee must be greater or equal to the value of minimum must be the money you borrowed. But on credit without Collateral, you do not have to hand over the goods to a bank. You are only required to have a certain amount of income each month and hand over evidence that could indicate that you are indeed the correct amount of income required.

Of course, for the bank concerned, the risk of default of the customer will become even greater because the bank has no guarantee of goods from you and the bank also does not monitor will be used to what money they full to you that (upcoming in numbers we will discuss specifically about one product without credit Collateral that is now being marketed in the community is vigorous).

How? Interested to try to borrow money from the bank? For consumption as well as for the effort, perhaps? , later first. To be able to borrow money, certainly there are a number of terms that you must fulfill. On a number of upcoming we will discuss what are the general terms and conditions required by the bank when you want to borrow money from them.

I was driving with my wife’s car on the motorway in the city when the radio in the car rotate ads credit card. The song is composed of a very old and quite fun when heard. There are mentioned, if frequently-often using the card, you can get a prize chosen by themselves.

It is interesting, a few days later, I received a letter from a mother. He said, he’s got eight credit cards which are all active! The amount of any Chaitanya all have almost reached the limit. Well, this mother is the amount of income each month ­ ­ he is exhausted to pay almost always her credit card repayments.

Interesting isn’t it? On the one hand, there is a bank that is engrossed advertise and invites people to actively use credit cards, but on the other hand there are people (and I’m sure not just one guy) stuck issue with her credit cards collection.

Then, who’s wrong here? Bank card issuer or the person the card? The writings of this time will discuss the issues of what might be experienced by the holder of the credit card if he is not careful.

First of all, we must be aware of the credit card used to be that it’s just a means of payment. That is, the function of the card just like cash that you use to pay for a transaction. The difference is, the card becomes a “stopgap” of cash. If you buy goods for $ 75,000 and pay by credit card, the bank card issuer will charge $ 75,000 at the end of the month. So, the payment is not done in the beginning when the goods purchased, but when the Bill comes later.

continues to create what is a credit card? The principal advantage of just one: you do not need to carry much cash each time transaction purchase of goods and services. Imagine if You had to carry around cash $ 500 thousand to $ 1 million in your wallet, and you have to travel by bus in the city.

Back to Bill. What if you can’t pay off at once? There is the interest you have to pay. The size of about 2 to 3.5 per cent of the amount of unpaid bills.

If You don’t want to pay for your bills, credit card usually provides convenience in the form of minimum payment terms. The size varies, about 5-10 percent of the amount of your bill that month.

Still a matter of credit. In some numbers, we have discussed about the products of credit in the bank. Now, I will discuss about credit products of the last few months is quite vigorous, promoted: credit without COLLATERAL.

We think you want to open a business, small-scale renovation of houses, pay a down payment vehicle, or even to buy a computer like your child’s request. But you don’t have the money. Whereas, the aforesaid purposes it seems can not be delayed any longer. If you wait You raise money little by little, these purposes might be new one bought two more years. Well, it looks like there is no other way. You have to borrow money. Loan to a friend or family, wanderings dong.

You may also begin to consider seeking a loan to the bank. Then you come to the bank and meet with other officials (bank clerk whose handle credit product known as the accounts officer). The officer said that if you want to get a loan from a bank, you must complete the requirements. One requirement is to  the treasure you have ­ such as homes and cars. Thus, if you happen to can not return the loan, you can submit your House or car as a replacement for the credit you are stuck.

You then think, well I’ve got a House and a car. May also  so thought you. OK  You then fill in the application form of bank credit given to you. You start filling your name, address, occupation, including the value of the home or the car you have.

But wait a minute. After review, the bank concluded that House or car that You  it turns out its value is considered to be insufficient or not worth the amount of money you wish to borrow. What’s going on? Your loan is denied. , upset heavy.