consumer behaviour

Consumer behavior is the process through which an individual or organization seeks, uses, evaluates, and disposes of products or services after being consumed to meet its needs. Consumer behavior is the thing - the thing that underlies the consumer itself to make decisions in the purchase transaction. when buying a certain item you may think twice to buy or determine whether the item will be purchased. whether it thinks about the price, its usefulness, its quality and so on. in the process of thinking, considering and questioning the goods before buying, that's what consumers call it.

Consumer behavior has two characteristics, namely: rational and irrational. rational consumer behavior has the following characteristics: consumers have goods based on demand, consumer selected goods provide optimal usability for consumers, consumers have goods that are guaranteed, and consumers have goods that price in accordance with the ability of consumers. irrational consumer behavior also has the following characteristics: the consumer is very quickly interested in advertising and promotion in print and electronic media, consumers choose branded or branded goods that like to be widely known and consumers choose goods not based on necessity, but because prestige or prestige.

factors influencing consumer behavior are: cultural factors (cultural factors have the most extensive and profound influence on consumer behavior) marketers must understand the role played by culture, sub-culture and social class of buyers), social factors (consumer behavior is influenced by factors such as the behavior of the reference group, the family and the role and social status of the consumer), personal factors (buyer's decisions are influenced by personal characteristics such as buyer age, occupation, economic conditions, lifestyle etc.) and psychological factors (purchasing a person is influenced by four psychological factors namely: motivation, perception, knowledge (learning) and beliefs and attitudes.

Consumer behavior consists of 2 characteristics of consumer behavior are: rational and irrational. Consumer behavior also there are 4 that influence are: cultural factors, social factors, personal factors and psychological factors

Things to Keep in Mind Before Making a Stock Investment

1. Know and Understand More About StocksBefore you start investing in stocks, the first thing to do is to learn in advance what stock investment is. Especially for you who are beginners, read lots of references.

Whether it's from books, magazines, or sourced from the Indonesia Stock Exchange. That way, later on you can better understand to choose the investment, the importance of investing, and know the investment products in more detail.

2. Find Out Profits from Stock InvestmentsNext, identify what are the benefits you can get from stock investing. You need to know, there are several benefits that can be obtained, namely capital gains and dividend payout.

The meaning of capital gains is the profit gained from the difference between the purchase price and the selling price of the stock. Capital gain can be obtained from long-term investments or trading.While dividend payout is obtained from the company in which you invest. Dividends are the profits that are distributed to the stock investors of the company. The division in accordance with the portion of the value of each share. Usually the distributed profit is already in the form of net income.

3. What to Reach from Stock InvestmentsBefore deciding to invest in stock, you need to make sure in advance what the purpose of investing. This is not only when you want to invest in stocks, but also must be done when going to make other investments.

By knowing the purpose of investing, you can know what the next step should be done to be able to meet those goals. Do not forget also to set targets to be achieved.

4. Set the Achieved GoalsAs mentioned before, it is important to set targets that you want to achieve, especially when going to buy stocks in the stock market. What is meant by the achievement of the target here is you must know how much profit to be achieved at return. By structuring the achievement of the target, the investment you run is more directed.

5. How Long Should Invest StockThere are two types of investments that can be done, namely short-term investment and long-term investment. For short-term investments, you need to pay close attention to the right time to buy and resell the stock. As for long-term investments, more focus on stocks to be purchased and sold and at what price range the shares will be bought and resold.

6. Consider Ability to Provide CapitalInvestment law is the higher the profit earned then it will make the risk is higher too. Therefore, you must be good at measuring the ability they have.

As a beginner, it would be safer if you choose an investment with a small capital. Do not invest hastily, do with a mature plan and mentally strong.

7. Start Preparing Investment Capital
Before going through the stock investment business, prepare a mature capital to invest in stocks. Starting from knowledge-related stocks to capital required funds. That way, stock investments that run will be able to provide maximum benefits.

So in conclusion, before investing should see the investment can be profitable or not in the future.

Benefits of saving for students

1. By saving we can appreciate more money.

Yes indeed, by saving we will be more able to appreciate the money given to us. Some of us have not been able to feel how both our parents struggle to find money to sustain the family economy. Fortunate if your parents are able so that all your needs well it needs for education and your daily needs can be fulfilled. But there are some of us who are less fortunate even to get education in school alone can not because it does not have enough cost to go to school.

2. By saving we can learn to manage finances.

Setting up finances should not start when we get our own money from work. We can learn to manage our finances when we are still a student. Yes, although the money we get is only a small amount and is money from giving, but at least we have learned to do financial management from the smallest thing.

3. Teach us to be more independent.

Especially for you who save and self-managed, by saving will certainly train your independence. To be an independent person can certainly be trained in various ways, one of which is saving in a proper and efficient way.

Those are some tips that I can give hopefully can be useful for everyone.

Tips for Buying a Housing Compressed Housing

You do not need to bother considering a variety of things because housing in the complex generally includes several things that prospective buyers of the house, including strategic location, adequate facilities, and easy transportation access.In addition, you also do not have to bother monitoring the housing construction from the beginning because it has been supervised developers.Even easier, there are some things you need to consider to do before buying a house in the complex so that you make the right choice of home.
1. Do a survey
Before buying, do a detailed survey of housing complexes. Surveys can be done online or come directly to the field. Make comparisons, scores, and simple analyzes based on the type of home you need.There are several parameters in finding a dwelling among which consider the location, transportation access, flood-free areas, access to clean water, complex facilities, and so on.
2. Go to the marketing office
Go to the marketing office and ask for more information about the house you are going to buy. Afterwards ask the marketing department to take you to the prospective home.If possible while in the field, do direct 'investigations', such as talking to neighbors or complex security guards to pick up the information you need.
3. Home status
There are two types of home status, which are ready to live and indent. House status ready to live usually can be seen directly form. But most housing uses indent status so you can only choose the location through the site map. You also have to wait at least 8-24 months from the credit agreement for the home construction process.
4. Compare prices and facilities
Before buying, make sure you check the price of the house. Generally house prices include 10% VAT, Deed of Sale and Purchase Agreement (AJB), and cost of Building Use Rights Certificate (SHGB). In addition, do not forget to check the existing facilities in the housing complex.Is quite worth the price you spend. Generally a residential complex provides a children's playground, religious facilities, and has its own shopping area.
5. Take advantage of the warranty period
After the home handover process, you will get a warranty time or called maintenance period with a duration of 3-6 months.At this time span you can make complaints and ask for free repairs if there is damage to the house, such as leaking, cracked walls or other damage. And, do not first do the renovation of the house at this time because it will automatically eliminate the warranty period.

Those are some tips that I can give hopefully can be useful for everyone.

How to Manage Personal Finances

Every person who works must get a not so great income let alone the person can no manage his finances that resulted in piling up the expenses he wants to buy. Here are some ways to manage personal finances so as not to accumulate spawn:

1. Set Financial Goals

We have to set goals, for example we want to buy a house for sure from the beginning we will set aside little money for savings that will eventually be bought a house. These goals can be our motivation to work hard and not waste the money saved.

2. Create an Expense Plan

Making expenditure plans is very important, if not making an expenditure plan then there will be goods or keperluaan which will be issued but not needed while the goods or necessities needed can not be purchased. So this spending plan is very useful to avoid buying goods that have no interest in order to minimize expenditure.

3. Hold on to Temptation

Everyone can not resist buying things that are very good but they have a high price that can drain the bag. They should refrain from purchasing the item or wait until the store offers massive discounts and presents the item for a low price.

4. Finding Similar Products That Offer Cheaper Prices

Determining the price of goods in each store must be different, there are shops that offer a fairly expensive price and there are shops that offer prices that are considered quite cheap but the same product sold. You should not hesitate to move to a store that sells cheaper prices so that the expenses incurred are not so great.

Preferably if you want to manage personal finances do not buy or use the existing money to buy goods that are not necessary or not the money is better saved