If all else fails, invest elsewhere
Company retirement plans are a great benefit, but they are not an employee's only choice for retirement savings. Depending on your situation, a traditional or Roth IRA might offer you more flexibility and cheaper fees.

Some employers might even let participants -- particularly those over age 59½ -- do an in-service rollover from their company 401(k) into an IRA.

Before you make any changes, however, consider getting advice from a personal finance professional who is familiar with your financial situation. There could be a number of restrictions that affect where and when you can invest money.

If a company's employees aren't happy about their 401(k) plan options, the company has an incentive to change them. If you speak up about ways to improve your employer's 401(k) today, you and your colleagues' retirement portfolios could be worth substantially more money in the future.

Offer to help the plan administrator
As you communicate concerns to your company's management, offer to help find a solution. Some firms have

401(k) committees that include rank-and-file employees who evaluate plan alternatives. Volunteer to be on one.

Be willing to dedicate the time and effort, because the end result could be a much-improved company retirement plan.

Even if you are successful in presenting your concerns and convincing your employer to make changes to the company 401(k), realize that it could take several months before you would be able to actually invest in the new options.

"It's very expensive to move a plan around. When you go in to change it, everything stops," says Melody Juge, founder of 401(k) Choice in Westlake Village, Calif.

"Everyone has to fill out new papers, and there's usually a blackout period where no changes can be made. This is a very time-intensive project -- especially for a small business. It's not something that should be done lightly."

Stephen says his willingness to help communicate the reasons behind his company's switch was extremely important to the success of the process.

"Our company was relatively small, and I made sure that our fellow employees knew about the upcoming change long before it was announced," he says. "I also explained the reason for the move -- the high costs that each of the employees was paying from his or her savings -- long before any formal announcement came out of HR (human resources). This is only something that you can do in a small company, I suppose, but for us it worked very well."

Stephen believes that the switch has also helped employees become more serious about their retirement planning.

"Generally speaking, folks were very receptive to the news," he says. "In fact, because of all the noise and training that was associated with the move, a few employees that did not contribute to the old plan decided to join the new plan after it was launched."

Get support from co-workers
Once you have identified ways to improve the company 401(k) plan, find fellow colleagues who have the same concerns.

No one wants to be known as the lone chronic complainer at their job, so make sure your co-workers are involved and support your efforts.

"Talk to some of your fellow employees and say, 'Gee, have you ever looked at this plan and seen how much we're paying out in fees?'" suggests Tony Schuman, managing director of Corporate Financial Advisors in Dallas. "This is really critical, because it can affect your life for years."

If you aren't able to save enough money, you might not be able to retire when you'd like. Any problem with the plan that isn't addressed now could depress everyone's individual portfolios in the future.

Include your boss in these conversations. He or she is probably putting money into a 401(k) that would also reap benefits if the plan were improved. Having your boss' support can also reduce the chance that you'd be written off as a lone complainer.

At some point, you will need to approach the person who can actually change the plan -- typically, someone in the human resources department.

Don't forget that your company also wants to retain the best workers. If the investment choices in the 401(k) plan are disappointing and not attractive to employees, human resources has an incentive to make changes.

Unfortunately, too many employees chicken out before they get this far.

"I think there is an intimidation factor," Solin says. "I understand that as an employee, you take a risk when you write that letter to the human resources department. But I also believe that the only way to affect change is to speak up."

Here are four actions you can take if you don't like the options offered by your workplace 401(k) plan.

4 actions if your 401(k) is flawed
1. Learn about your options
2. Get support from co-workers
3. Offer to help the plan administrator
4. If all else fails, invest elsewhere

Learn about your options
First, educate yourself about your company plan. Know what it offers, and how the benefits compare to other 401(k) plans at other companies.

If you don't have a lot of experience with investing, it can be difficult to make choices about your own 401(k) -- let alone figuring out if the entire company plan needs an overhaul. But it can be done.

Read a few articles and books about investments. Then, start talking to other people -- inside and outside of your company -- who have 401(k) plans. Find out what they like and dislike about their benefits.

Your company isn't required to offer every investment feature that's out there, but there are some options that are more attractive than others.

WO years ago, "Stephen" feel that the company's 401 (k) plan is "sad".

Workers - who prefers to remain anonymous to protect the identity of the employer - has been unhappy with many aspects of the plan.

"(He) offered a choice of funds problematic unseen and cost structure," said Stephen.

Initially, Stephen did not mention that concern to anyone. However, he finally raised the issue to the company's director of human resources when asked for input on other issues.

Stephen gives some suggestions for improvements, such as offers several options and find the funds more low-cost investment.

To Stephen's surprise, the director of human resources asked to join the company's 401 (k) plan committee to evaluate current and alternative view. Stephen received.

"We evaluated five different service providers," he said, before choosing a new company to manage the company's plans.

If you work for a company that provides a 401 (k) plan, consider yourself lucky. You have access to tax-advantaged retirement account that can help you build a large nest egg for the future.

However, there are things you can do if you do not like your choice in 401 (k).

Under the laws of the Employee Retirement Income Security Act 1974, or ERISA, 401 (k) plan sponsors must meet a minimum standard of conduct for employees handling the case 'money.

This includes working for the interests of plan participants (and beneficiaries) and offers a diversified investment options.

"Plan sponsors have a fiduciary obligation to ensure that there are alternatives to employees," said Gil Mateer, President of Retirement Services Group at Bryn Mawr Trust Company in Bryn Mawr, Pa.

In addition to their fiduciary duties, private plan sponsors have many options for when they come to determine the actual investment that will go into the plan.

Increase shares occurred despite data showing that home price for single family in the U.S. declined sharply to 16.6% during August.

Shares the 'hungry' capital, such as telecommunications sector recorded the largest increase. Such as Verizon Communications, which increased to 14%, AT & T rose to 13%.

Shares the energy sector also supported the strengthening of Dow Jones. British oil company BP reported a profit increase, the shares directly appreciating sharply. Meanwhile, ExxonMobil and Chevron shares rose to 13%.

Similarly, Boeing shares, which jumped to 15.5% after the U.S. announced agreement with workers to end strike action while pressing the loss of U.S. $ 100 million per day.

Investors began to think that the shares are in the position of markets, and it's time to Rebound.

"If you believe that government from various parts of the world will be successful to give more energy to the financial market and gradually bring more stability and trust in the week-week and month, the more likely you want to be buyers instead of sellers," said Michael Sheldon, chief market strategist RDM Financial, as quoted from Reuters, Wednesday (29/10/2008).

Trade in the New York Stock Exchange is quite moderate with 1.73 billion shares change hands, slightly below average last year of 1.90 billion shares. The volume of trade increased sharply in recent sessions. Meanwhile, the Nasdaq, as much as 2.88 billion shares ditransaksikan, above the average of years ago that as many as 2.17 billion shares.

5. Maintaining sustainable balance of payments or foreign exchange by utilizing the bilateral swap Arrangement from the Bank of Japan, Bank of Korea and Bank of China if necessary.

6. Maintain the sustainability of the export to a guarantee against the risk of payment from buyers by providing facilities rediskonto export bill with recourse that apply from 1 November.

7. Maintaining economic sustainability, especially sekto real reduction in charges with the export of CPO to be zero percent per 1 November.

8. Maintain the sustainability of fiscal 2009. Steps will be taken to maintain the sustainability of the State Budget will be announced immediately after approval in the House to 2 days ahead (Thursday).

9. Importasi prevent illegal from 1 November. There are two first step, publish the provisions of certain commodities, namely importansi garment, electronics, food and beverages, children's toys and shoes, can only be imported by registered importers and verification obligations in the port of loading. Second, define the specific ports that are open to certain goods. Namely Tanjung Priok, Tanjung Golden, Tanjung Perak, Belawan, the Soekarno-Hatta Airport, Port and the Ban Juanda Makassar.

10. Improve supervision of goods with the outstanding form integrated task force between related institutions from 1 November.

The government set a 10-step in the stabilization of the economic situation for the global financial markets are weakening.

Ten steps is the result of the Cabinet meeting held on Tuesday (28/10/2008). The decision is read by Coordinating Minister for Economy at the same time the Ministry of Finance Sri Mulyani Indrawati.

Finance minister also accompanied by BI Governor Boediono, Menneg Owned Enterprises Sofyan Djalil and Mendag Mari Elka Pangestu.

"10 steps we do to maintain economic balance so that there is no interference, and that too many people to keep off from the impact of that is not profitable," said Sri Mulyani. Here are 10 steps:

1. Maintaining sustainable balance of payments or foreign exchange, to require all state-owned enterprises put all valasnya result in a bank in the country in 1 clearing house. SOEs are required to report information about the needs of foreign exchange earnings and to the office of state-owned enterprises and ministries transactions conducted through banks (Bank SOEs) are updated weekly and every day.

2. Maintaining sustainable balance of payments or foreign exchange, and accelerate infrastructure development by accelerating the implementation of the projects that have received financing commitment of both bilaterally and multilaterally.

3. Maintaining the stability of liquidity and prevent price war with the state-owned instructed not to transfer funds from bank to bank.

4. Maintaining confidence in the market against the perpetrators of the State Utanga do with the market stabilitsasi SUN namely the government, together with BI SUN purchase in the secondary market. Purchase back SUN done gradually, as measured in the amount.

Germany predict the financial crisis that the world will now take place until the end of 2009. For years, Germany must set the cost for the rescue program.

"Risk collaps (fall) is still far from over. But it will be a mistake if a warning or alarm removed," said Finance Minister Peer Steinbrueck in discussion with Sonntag such as the Weekly This AFP on Saturday (25/10/2008).

Germany has issued a crisis rescue package worth 480 billion euros, or U.S. $ 610 billion that was approved last week to help banks until next year.

"And we will ensure that the needs for and how long time," he said.

"We do not know if this cost saving, including the cost of rill in the years 2010 and 2013," he added.

Banks in Germany itself is still reluctant to ask for help because they fear the government will lose more otonominya and choose its partners to seek a loan.

Steinbrueck has also received support for the government to balance the federal budget and the year 2011 where the repositioning has also adopted by the German Prime Minister Angela Merkel.

Germany this year have equalize public budget with the federal government budget, including the budget for local and social security account, although the federal budget itself is still red. This financial crisis will not be to threaten the government budget in the year 2011.

German economy on Friday (24/10/2008) get bad news from the automotive manufacturer Volkswagen. VW menumumkan will cut production but still hope we can maintain the sales target in the year 2008. reported by detik finance

Economic growth in South Korea slowed in four years. This is shown from the Kospi index fell 11 percent.

As quoted from Bloomberg, Saturday (25/10/2008), shares in Seoul, also reached the lowest point since August 2003 due to the global economic crisis.

"There will be an emergency economic recession in the world. Currently they are focused on the banks and companies which will fall, the cause of which country will fall," said Fund Manager Thrivent Asset Management Michael Binger.

In addition, anjloknya share price does not only happen in Korea alone, the Standard & Poor's 500 index also experienced a decline of 3.5 percent.

However, the cutback is smaller than that occurred in Europe and Asia, which had fallen due bursanya disuspensi. While the FTSE 100 index for the sinking of five percent.

While Pound sterling to decline against the USD's largest since 1971. Based on government reports, this is an economic contraction during the first 16 years.

In addition, the price of oil also experienced a sharp decrease since 16 months ago, as well as the yen currency crisis concealing since 1995. reported by okezone.com

An 82-year-old real estate agent with severe arthritis and two artificial hips thought she would be retired by now, while a professor 25 years her junior wonders if he will ever stop working.

With stock portfolios shrinking in recent weeks, and house values sinking over the past year, many older Americans still on the job say they see no end in sight.

A majority of Americans have long said they expect to work past retirement age and now, with the financial crisis, their numbers are bound to grow, experts say.

Even before the crisis, 70 percent of older workers surveyed last year planned to work into their retirement years, research released this week by the AARP lobbying and advocacy group for older Americans showed. A need for money was the most common reason they cited.

"There's a lot of reasons for people to be less secure in retirement than they were 20 years ago or even 20 days ago," said Richard Johnson, researcher at the Urban Institute in Washington.

"This is a long-term change that we're seeing and of course it's really been magnified in the past month," he said.

While no up-to-the-minute data is available to show just how many more older workers will be staying on the job, there's little doubt more will make that decision, said Deborah Russell, director of work-force issues at AARP.

GRAY CEILING

Another effect is the so-called gray ceiling, where older people are not leaving and ceding top jobs to younger workers, Johnson said.

"A lot of younger people are waiting for those good jobs," he said. "To the extent that older people are not giving up those jobs, that's going to cause problems."

For older workers such as the elderly real estate agent, being unable to retire is a poignant disappointment. And it's one she does not want her neighbors in New Canaan, Connecticut, to know about, so she did not want her name used.

"I believed I had a good amount of security. Now I have a nominal amount of security," said the widow. "The added problem that my generation has is that we can't wait for a recovery. I may not be here when the recovery comes."

In Boone, North Carolina, Mike Dotson, 57, said he can barely imagine retiring, thanks to his shrinking investments on top of years paying college tuition for his son.

So, he said, it's a good thing he likes his job as a professor of marketing at Appalachian State University where he has been for 25 years.

Staying on the job is the one thing people can do in the light of the financial chaos, said Alicia Munnell, director of the Center for Retirement Research at Boston College.

"Control what you can control. We can't do much about the craziness in the market, but you certainly can control, in many cases, how long you're going to work," she said. "That is actually the most potent way of improving your situation."

"We thought that was the right answer even before the financial crisis," she added. "Everything has just intensified since then."

Older workers should make clear to their employers that they want to keep working, she advised. "Don't look like a person who is just reading Florida brochures." reported by reuters

When you submit your information to several auto insurance companies for a quote, you’ll be armed with the ammunition you need to get the best deal possible. If you’re satisfied with your current insurer, but have got a lower quote elsewhere, you might find they’re happy to offer you a lower rate to keep your business. Ring them up and let them know that you love their service, but you’ve been quoted a lower premium by another company and ask if they can match it. Be specific. You might be surprised to find how much they value your business.
reported be Promo Laris

Ownership of foreign investment in Government Bonds (SUN) is now down to Rp 5 trillion from the end of September 2008 following the global financial crisis that occurred. However, the decline is still considered reasonable.

This was said by the Director General of Debt Management Rahmat Waluyanto found in the building when the House of Representatives, Senayan, Jakarta, on Thursday night (23/10/2008).

"Total nominal (foreign) at this time, if not one of Rp 97 trillion, or Rp 98 trillion, it is still above 18%, about 18.3%. So there is a decrease but I still relatively reasonable," he said.

According to Grace in the amount of foreign ownership SUN still higher than the position in January 2008, where in January 2008, foreign ownership in the SUN still Rp 76 trillion.

"It is reduced to Rp 5 trillion from the position of September. But I have not mengkawatirkan because they usually return in time quickly. I think the decline is still in reasonable limits. We began to see the early years there have been additional net foreign around Rp 20 trillion," he said .

It is said that also, the various policies issued by the government to arrest the impact global financial crisis that occurred also give confidence to the financial market in Indonesia.

"Various Perpu issued related to the financial sector will give confidence to markets, to customers so that people know the government in the face of crisis such as what is, at the same time ensure liquidity for the banking sector is particularly emphasized the problem. Not long now the government accelerate disburshment (absorption shopping), the BI with government efforts to keep the performance of financial markets, "he said.
reported by detik Finance

In addition to opening the business with no cash payment in the back, you can also open a business with the payment in advance. Combined with the start of business on the back of payment and payment in advance is the most ideal. Building or office, ads, brochures can be obtained by payment in the background, while customers using our payment in advance. The form of business courses, vocational education institutions and even education tinggipun can be done with the strategy of payment in advance.

At the time we open a branch of the Education Center and Computer Management IMKI in the way of Abubakar Ali number 20 Kotabaru Yogyakarta, after advertising in the People's Daily Kedaulatan that can be paid in the back, finally get the 35 students. Then, given the general course that includes explanation teantang material will be taught for one year. Starting from the material Achievement Motivation Training System to Analysis. Suddenly they ask "Sir, my computer which does not exist?". "Please note in the ad saying how.", I guess. "Pendikan Computers equipped with practical management education and entrepreneurship," they answered. "You are right. In the first month of this you will get practical management education and entrepreneurship, and the new computers: "I said in my heart" but you also have to pay. " After one month of their happy, eventually pay. Money from these students kreditkan my computer can be 12 computers. "That compromise" I said. "Oh my computer is already Pak" they said. I have said in the "indeed, it is your money." So we can operate the business with the payment in advance, the payment from our customers.

Even when I, together with friends from Totalwin Institute of Management in cooperation with Warnbrough University, UK. MBA program open (when it is not prohibited), enough to provide five-star hotel, which can be paid in the background, and students to pay in advance. The first time, prospective students gathered in a hotel provided an explanation of the MBA program from the University Warnbrough. Including how much it costs, they must study in the UK. If in the course of Indonesia can use the introduction to English. Tesisnya only in English in the supervision by the Representative Warnbrough University of Australia. After the general course, for those interested can provide advance payment of Rp. 1,000,000 and -. From the money can be used to rent the room along with other equipment, so that managers not to spend money. After at least 15 students sign up, start the course immediately. Thus the hotel with other facilities can be met with the advance payment from students. From the results of the MBA program can eventually be used to establish the program MM STIE "ABI" Surabaya. Master's Program Management perhaps the most in demand in Indonesia, because the students have about 1000 people.
reported by msuyanto.com

Many complained that to open a business opportunity is not there. This is a classic complaint that can not be with us again. Indeed, to start a business we can do with a variety of ways, one with the education that we have. Jerry Yang and David Filo, the founders of Yahoo start a business with education. They are students from Stanford University. Yahoo started from the back parking lots is now growing rapidly. Jerry Yang and David Filo started the business from small and simple. Jerry Yang describes the discovery that Yahoo is "an accident" when he and Filo tesisnya complete. Filo and that this launch Yahoo when they sit in the universities, before they complete studies. They start doing business with the listing several web sites that they like and write some software that allows a website to get other web sites that will be placed on a web portal called. At the time established in 1994, named Terry's Guide To The World Wide Web. When they know that their sites visited by people from 90 countries, spontaneously say "Yahoo" and finally the words that are used to name their company. In 1999, Yahoo reach star status. Net income in quadruplicate fourth quarter of 57.6 million dollars, while revenue jump from 91 million dollars into 201 million dollars. Now, Yahoo is the best portal in 2002.
Kiichiro Toyoda is the son of the founder of the company Toyoda Spinning & Weaving Co., which moves in the field of automatic loom. After completing engineering studies, he decided to start a business with the company to change the car into production and change the company name from Toyoda become Toyota in the year 1936. Kiichiro Toyoda became President of the company's Toyota until 1950. The first car made the Model AA Model and the Crown. Overseas offices established in Taiwan is first and then Saudi Arabia. Company starters began to produce forklift trucks (vessel / trailer), which made the number one company in the world in this market. Trucks entering the United States market of 1958 and 1965 the UK market. But the Model Crown failed to enter the United States, because the car is designed for the Japanese market, are not designed for the roads free of the constraints in the United States. Finally, Toyota Corolla make in 1968 and achieve success so that they can shift Volkswagen as the number one imported car in the United States. Even penetrate the heart of the city United States by cooperating with General Motors to Toyota in the United States. Camry is a car with tersukses sales in the United States in 1997. Toyota is now reaching the business to other sectors, namely financial services, telecommunications, housing, machinery navy, recreational boats, the distribution of parts and flight services. Now Toyota is the number three car maker in the world after General Motors and Ford. Yoyota have to sell 5 million vehicles per year.
Pierre Omidyar started the business with a degree in computer science. He was interested in developing the technology for different products and consumers love the idea that he can take the concept with all the way through the delivery of products to consumers, and their reaction shows and changing them. Internet gives you a place to do it, because you can publish software quickly, you can get a reaction from your customers quickly and Andapun do know if the error quickly. He thinks, how the auction in Paris of participants do not go to Paris, but in their homes or offices in each. Finally Omidyar founded on the Internet auction company with the name eBay in 1995. Before Omidyar founded eBay with i establish eSharp, which provide experience as Entrepreneurs. eBay is a company that relies on trust. Imagine! People want to pay what dilelangkan with only see an image only. Without trust this company will not run. Net income more than three times reached 1.35 million dollars in the third quarter of 1999, with sales increased to 58.5 million dollars. The amount of that conduct registration on the site eBay increased from 5.6 million to be 7.7 million compared with the previous quarter and increased 1.3 million dollars in the same period the previous year. Penjulan value of the goods on the web site jump from 195 million dollars into 741 million dollars. eBay auction is the best company in the Internet in 2002, the magazine version of Yahoo.
About what makes you great. What separates you and I made history as Entrepreneurs "said Anita Roddick. With the history of his love of the environment eventually make the concept of "natural", to make herb-pure ingredients, do not test on animals and friendly to the environment and indigenous population, where the herb-derived ingredients. With almost no advertising at all but with the publicity that is very passive, The Body Shop has become one of the legends of the world.

Ir. Ciputra start a business with the education field of architecture and properties, because it of Architecture faculty alumni ITB 1960. Ciputra now as the President Director of PT Ciputra Development (CD) and President Commissioner of PT Jaya Realty (JR) and the CEO off the public's best 1997 version Sembada Swa magazine.

My education after completing a Master of Arts Management with friends established the Masters of Business Administration, in cooperation with the West Coast of the Institute of Management and Technology, Australia and Warnbrough University, the United Kingdom before any regulations on the MBA program. Once the rules are and then establish a Master of Arts Management Program at STIE "Artha body Iswara" Surabaya. Currently, students Magister Management Program is about 1000 students, perhaps the Master's Program Management that the number of students in Indonesia. So Andapun can start your business with education, and when the course. reported by msuyanto.com

According to the Gallup Poll, using mathematics and interpolation roughly, the following conclusions. If there are 1,000 individuals is a "type-Columbian" explorers who receive all the credit that has economic value that they find and claim, let us assume that each of them has 10 members supporting cast around the world in them - 10 people which is very important that there would be no without economic miracle without them, the amount to be 10,000. We then multiplied by 10,000 builders big business again by 10 to determine roughly the size and number of its rainmakers that are needed to continue to support the growth of total U.S. GDP. Ten thousand multiplied by 10 (to account for and give credit to the dominance of employment in small-to medium-size companies, which make up about 70% of the U.S. labor force) together with 100,000. In other words, only 100,000 stars of various sizes to create unforecasted growth in the current state of the United States, a country 300000000 people.

Here is the part that's important for leaders: 100,000 stars of this growth will have made anywhere they live. If they have to prepare all the shops in Sioux Falls, Kansas City, and Fargo, all that happens in the U.S. Midwest. If all these groups have been living in Sao Paulo, Rio de Janeiro, Brasilia, or, $ 10 trillion will magically appear in Brazil.

Math is simple. One star per $ 100 million from GDP growth.

If you want to ask how to improve significantly to GDP your city, we will say you must find and develop stars 10. And you must create the largest incubator of talent possible. You incubator is the energy and pipeline work for the future. This will take some time to see the results you want, but you will not get them if you do not start with the star 10. The only other alternative is to buy growth, as companies do, with the acquisition. Leaders of the company's acquisition vs. organic growth all the time problem, and they know that organic growth is the best long-term strategy for every community organizations or persons.

To get a better idea of how to identify the hatch and the stars, our team code characteristics of the several hundred extraordinary business success, political and nonprofit leaders. Only four or category code that is required to classify them all.

1) innovators

Innovators get ideas that create new products, new markets, the value of shares, and incubate thousands of jobs.

They are often beaten by their discovery while working by an organization - a hospital, government, a company - or most often during their university studies. They are as possible, however, to follow them through the discovery of outside organizations as the inside. In any case, the discovery created the next big wave energy to increase economic activities and some of the hatchery work.

What makes a star innovator not only their creative capacity, but they are also rare talent for innovation in all aspects of their lives. The brilliant ideas are often born from the search for solutions to difficult problems, and new innovations that can solve problems and realize the idea. However, they are not necessarily those who bring to the market.

2) Employers

Employers are most recognized as a super-salespeople or rainmakers. Employers are those who see the picture, realize the potential, describes the steps necessary to make the idea a reality, and then bring innovators together with supporters to form a new business. Employers make money in their career or a new idea, whether this new business or new initiatives in an organization. Employers that rare gift of optimism and determination, which is, and will probably remain, new resources, the most valuable in the world. Optimism and determination of the more valuable in the equation of creativity and innovation because they are rarer.

It is also important to recognize the "social entrepreneurs" in this category, because they are the same importance to building heat, the growth of the city. Social surges from the businessman to provide positive energy through philanthropies. The work carried out by this increase cultural city, and they always increase the welfare of the community. Enterprisers social This not only creates a better city, they are economic and organizational work machines hatchery.

3) superstar

Superstar is a pursuer of achievement is very rare that a creative, talented people in extraordinary art, entertainment or sports. They are known as writers, singers, musicians, artists, chefs, architects, actors, fashion designers, politicians, football players and basketball, etc.. Famous people (celebrities) the need category because they are valuable as a magnet for the city where they live and work. But mostly because they are the economic engine for themselves. They create a new energy economy through the big movies, books, concerts and sports championship. Things that they do, related business to promote them, causing them to obtain support continuously.

4) Super eaten

Innovator, Entrepreneurs, and the terandalkan superstars, whether they know it or not, they have a genius keamapuan developers. They seemed as Super Mentor. They are people who say, "You can make an idea for the company. I will be the investors for you. "Or," We need support from professors back the idea. Professor need laboratory in the city. "Or," Let's start youth programs are best for the country. "

There are several types of Super Mentor. Often they are "father-city," wealthy businessman who has a deep concern about their city. They can be leaders in higher education institutions or charitable or religious leader or a CEO. Sometimes they are only ordinary citizens who have a deep commitment to the place they live and have the ability to find and encourage talent that has not terasah. In any case, the Super Mentor has a distinctive to identify and develop young stars and with the strong guiding hand and lead them.

Super Mentor also has the capacity to provide support and broad participation in local initiatives that will not happen without support. The growth of the city's best and fastest in the world run in the informal, not-selected group of Super Mentor. They work outside the local government and meet regularly to determine strategies and activities to help the city and the community to win the competition.

One can state that these groups make a Super Mentor greater and more positive towards the city from conducting local government. They have many or more for access to money and influence people as the government leaders who run their jobs, and they have many advantages with speed and fewer obstacles. And they serve a critical function - they are a fire innovators and entrepreneurs. reported by msuyanto.com

The newspaper seller who always diligent deliver newspapers to my home. More than ten years, I became loyal customers. Skin, black beetle tersengat sun each day that is covered with clothes greatness jacket and black hat worn to reduce sunburn. Parfumnya drop of sweat patch in the face like the newly-sejadi would cry. Right hand decorated by a sign from God, that does not have fingers. It is towards the elderly who decorated several pieces of white hair, but still radiating a luminous smile, a vibrant show himself a hard worker and that abstinence petarung despair. This is the first lesson that we get from a newspaper seller.



In our skin as we do not have contact with the sun, because the luxury car closed and protected from the expensive clothes. French perfume from the expensive, washed the smell harumnya still obvious. However, sometimes we throw a wrinkled smile and to other people and sometimes become a petarung the easy surrender easily and despair with a trivial problem. Working with the full pressure and less grateful that God favors from the very abundant.
I remember a story about two people's hands by the Messenger of Allah Below Saw. People are certainly people that extraordinary, because only two people are from all people in the Arabia Peninsula. The first person who hands Below are the Messenger of Allah Sawadalah Fatimah is the daughter of the Prophet Muhammad Saw own.
This is because the Messenger of Allah Saw want to show that the woman derajadnya very high and noble, because at that time as if women are not valuable, and the father of children women have faced and sometimes the child dibunuhnya, very sad. The second is a person with black beetle with a hand blister. Saw Messenger asked, "Why such hand blister." Sharing responsibility is "out of this hand I use to split the stone with kapakku so that I can support my family." "Try Lending a hand!" He Saw memin-ta of your hand and the helm of the Prophet Muhammad's arrest Saw hands dirty and a blister and menciumnya as he said this: He loved the hands of God who is not from the hands of a hard worker. reported by msuyanto.com

Value is the guidelines to act or behave that comes from within, in the form of the principles of how to live and make decisions.

Value, the first time are introduced by their parents in infancy and then added by teachers, religious belief, of association and the environment. Spiritual values, when this is the foundation of individual behavior is very important. Why it is important to know the value of an individual? Although this does not have a direct impact on behavior, values with a strong influence attitudes one. So the knowledge of the value system of an individual can give insight into the attitudes-attitudes.