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  1. Suba

    What essential need can you buy with your $20?

    Every lunch I spend about $2, so for $20 I can last for ten days, but if I buy local/medium rice from $20, I will get about 20 kg, but if I buy premium rice I will get 10 to 15 kilos.
  2. Suba

    What Are The Most Essential Personal Finance Rules

    Although the 50/30/20 budget method is the most commonly used method, we must adjust it to our financial conditions and long-term plans. Currently, I am applying the 60/40 method.
  3. Suba

    The 80/20 Rule of Personal Finance

    Personal financial budget with the 80/20 rule we know as the Pareto principle where 20% as investment and savings and 80% to meet daily needs will be very suitable for those who have just worked and lived in another city.
  4. Suba

    Personal Finance Rule: The Rule of 50-50

    I think making a budget with the 50-50 rule is not suitable for everyone, except for you and those who have a large income, so that 50% can cover all monthly needs, but for those who have just started working, of course it will be difficult to determine their budget rules, especially if they...
  5. Suba

    Why is Insurance Policy Important in Personal Financial Planning?

    Currently, insurance policy has become an important part in the preparation of personal financial planning that can provide self-protection from various life risks, be it life, health, property, vehicles, fire, travel etc. So everyone should have at least one type of insurance that suits their...
  6. Suba

    Can you maintain privacy on social media?

    Of course, we must maintain privacy on social media, especially do not give your full address, where you work, do not upload too many photos like I see on Facebook, do not brag, etc.
  7. Suba

    How are you going to stop nasty rumors in business?

    In my opinion, the best way to stop bad rumors that have been circulating in a business/company is to find or identify the source of the rumor, then you as a leader can explain it honestly, you can also reprimand the rumor maker who has no basis/factual truth.
  8. Suba

    Investing with Limited Funds: How to Start Small

    Maybe you are considered rich and have a lot of money by the mutual fund platform so the minimum deposit must be $ 1000, while in my country there are more people who do not understand mutual funds and maybe it is also an education so it requires a small deposit.
  9. Suba

    Does social media make people more impatient?

    I agree with you, I once read an article where excessive use of social media can cause various negative impacts such as increased impatience, anxiety, depression etc. On social media we see many people who only show their best lives, which makes others jealous, and the desire to get an immediate...
  10. Suba

    Political parties is India are more interested in votes than development of our country.

    That is the main problem of living in a developing country, political parties prioritize being able to occupy important positions in government, and they not only collude, nepotism but also carry out political corruption or corruption carried out in groups and strangely the law applies harshly...
  11. Suba

    Why Are People More Interested in Online Gambling Than Investing?

    Although gambling and investment have risks, the risk in investment has been measured according to the investment instrument and can be controlled with an investment strategy, gambling is betting with a fast time while investment is more intended for the long term, such as investing in gold to...
  12. Suba

    Should Marketing Content Be Adjusted to Customer Journey Stages?

    Customer journey is a consumer activity from the first time they see a product/brand or start interacting with a product until they make a purchase transaction. If a business person has studied the customer journey, they can develop the right content marketing strategy according to their target...
  13. Suba

    Are you Interested in Investing in Gold?

    It turns out that until now, investing in gold, both gold bars and gold jewelry, is still the choice of many people, especially those with low moderate and conservative risk profiles. Gold is known to have a stable value/price and is often used as a hedge against the threat of inflation, besides...
  14. Suba

    How do you manage your saving goals?

    It means your savings as a priority for a specific purpose, such as buying a TV, but I don't agree if you take a loan because you have to pay interest, so it's better to find extra money with a side hustle.
  15. Suba

    Why Saving and Investing Are Crucial for Financial Stability

    Saving and investing are crucial for financial stability because saving and investing are your preparation for the future or long term, such as facing unexpected situations, having emergency funds, increasing wealth and protecting against the effects of inflation.
  16. Suba

    Is investing stressful?

    Of course investing will be stressful especially for novice investors who put large amounts of money/funds in investment instruments that have high volatility, that is why financial experts recommend starting to invest money in small amounts.
  17. Suba

    Investing with Limited Funds: How to Start Small

    Currently, there are many platforms that allow us to invest starting from just $5, either on crypto exchanges or mutual funds, but $5 funds will not be enough if you are going to invest in the capital market such as buying stocks, at least 1 lot.
  18. Suba

    How Much Money Should You Spend?

    If you create a 50:50 personal financial budget, it means that your income is very large, because 50% of your income can be used to finance all expenses, both to meet needs and desires. and in general people make a 50/30/20 budget where 50% is for basic needs, 30% for desires such as buying...
  19. Suba

    How should small businesses deal with a crisis?

    For those of us who run small businesses, we are often faced with various crisis problems, especially if the business owner does not have the expertise, the business will quickly collapse, but there are several ways that business owners need to do to overcome the crisis, such as evaluating and...
  20. Suba

    Which other businesses should a bookshop partner with to make optimal sales.

    If you are running a bookstore business, then in my opinion, the best partners for a bookstore are book publishers, distributors, e-commerce platforms, schools, colleges, local libraries etc.
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