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Although it is safe to buy goods online using a credit card, especially if you carry out transactions correctly, such as not using public WiFi, only shop on trusted platforms and activate the virtual account number.

The longer we run the business, the more experienced we will become and we will recognize several customer characteristics. When they ask for credit purchases, of course we have rules, especially the credit limit (the highest limit that can be given as a receivable account for each customer).

All my credit cards have been closed, with the aim of being more economical and not having bills every month, so currently I don't have a credit card, except for using a debit card and e-wallet to make transactions easier.

I've never done that, besides in my country asking for salary in advance before it's due is not common, there are some employees who need money urgently, borrowing or cash receipts from the cashier or approval from the management. When employees are paid, their debt will be deducted immediately.

I have graduated from studying management at the university, apart from that I also studied accounting at a different university, so I have two degrees, but I prefer accounting so I chose to work as an auditor.

What we study at university is business finance, which is more complex and complicated, while personal finance is very easy and simple so it doesn't need to be taught as a course.

In personal companies, the 50-30-20 rule is also impossible to apply, if we reduce employee salaries of course they will move to another company. The grouping of costs in corporate finance and personal finance is the same, but corporate finance is more complex. In industrial businesses, these...

Each person will have a different emergency fund, depending on their marital status. If you are married and have 1 child, generally it is 12-15 times your monthly expenses, so I only have 6 times my monthly expenses.

Frankly, I've only heard of the 50-30-20 rule in business, because so far I've entered several big companies, none of which have implemented the 50-30-20 rule budget. Apart from that, as a business owner I don't apply the 50-30-20 rule, but I get a salary as a supervisor which can reduce profits...

Borrowing money is also often used by traders in stock trading with the term Leverage, experts also apply borrowing money in sorting for short-term investments of less than 30 days.

It is not surprising that prices always fluctuate in every market, be it crypto or stocks, because the price of goods is also determined by economic factors, such as interest rates, inflation rates, disasters, apart from that, stock prices are also very much determined by internal company...

In my opinion, kowledge is more important as a long-term investment, with your skills you can not only be accepted to work in a well-known company with a large salary, but you can also manage your finances and analyze each investment instrument well.

I am classified as an aggressive and active investor so each investment instrument has different uniqueness and advantages, such as blue chip stock which is more suitable for conservative investors, stable and slow price increases. For me, crypto is more profitable than other types of investment...

Indirectly, life insurance can also be considered an investment, especially when the head of the family dies, so that you will receive compensation for financial losses. There is also a type of life insurance where part of the premium paid each month is allocated to investment instruments. So...

Of course buying and selling gold requires large capital, but unfortunately you don't mention the type of gold, whether it is in the form of jewelry or gold bullion. Of course, if you want to sell gold bullion, you must have official permission or be an official agent/distributor of an official...

Gold is not a type of precious stone but is a precious metal. The price of these two types of investment always goes up every year, but when you sell diamonds the price will drop a lot. In the long term, gold is superior when used as an investment instrument, even gold as a safe haven...

In the world of online investment, we have to choose an official investment platform and be registered with the government, or we can also invest digital gold in government-owned institutions such as pawnshops, whereas in offline investment, such as with friends or relatives, it is not a genuine...

Borrowing money for investment is not recommended for novice investors, but experts often borrow money for their investments, especially for the short term. Expert investors are able to predict prices that will occur one week later so that to increase maximum profits they borrow from the...

Currently, most investment platforms are online, be it shares, bonds, gold and cryptocurrency, so when you buy shares it is not in physical form but digital, and we have to choose an investment platform that is official and registered with a government agency.

In fact, even though we work for a private company, we will also get pension funds or severance pay from the company, the amount of the pension fund has been determined by the government. For a minimum of 3 years of work, we will get a pension fund of 1.75 times the monthly salary multiplied by...