Whether you are a businessman, who regularly use the Internet to sell your products? Or you use the regular process of buying and selling Internet technology? Looking for a specific item or browse the site possible? Or you information on a particular product supply? Be careful, lest you fishing. What is phishing? Phishing is a play on words from the UK, which means fishing. Electronic connections in the world all the time, the definition of phishing is the same as the way to attract people to a specific page. Perpetrators (phisers) fish or attempt to obtain personal information of others, use e-mail and some Web sites as bait. Phishing can also be understood as an act of personal information, such as user ID, password, bank account, credit card number is invalid. This information will be used by fraudsters to access your account, credit card fraud, or guide customers to the specific account and the temptations of the prize. Executor can usually send a message, if the recipient’s e-mail received a message from a site, and then invited him to a fraudulent website. Create a fake website in a way similar to the original site.

Then, when the victims enter a password, and then at that time was a criminal victim know the password. Use of this site is also known as false pharming. Experience to improve the quality and quantity The increasingly rampant. World record, the number of phishing bermodus 2005 年 1, rose 42% from the previous month. Anti-Phishing Working Group (according to the APWG) in its monthly report, pointing out that there are 12 845 E – mail address and a unique new and fake websites to use 2560 as a means of phishing. From the statistics of the information technology analysis firm Gartner said the loss of 3.6 million people in 2007, as these phishing scams. Apart from the increase in the quantity and quality also increased attacks. In other words, fake site was placed on the server does not use standard protocols, so as to avoid detection.

The most common techniques used cheat is as follows:

1. Using a forged e-mail address to mislead Internet users and graphics, so the effectiveness of Internet users receiving e-mail or attached website. To look more convincing, the perpetrator also often use the official logo or trademark owned institutions, such as bank or credit card issuing bank. Forged in order to lure the victim to hand over personal information such as passwords, PIN codes and credit card number.
2. Create a fake web site that exactly match the official website, or e-mail fraud offenders contain links to fake websites.
3. Create a hyperlink to a fake Web site, or provide in the form attached to the e-mail.

Instant Team Board of Directors in the United States Congress (U.S.) yesterday warned that the commercial real estate sector losses could jeopardize the banking system. According to the Panel, commercial real estate has reached USD1, 4 trillion will need to re-financing funds (refinancing in the next four years) to tie in with the loan maturity date. In his report, the Panel noted that half the value of real estate loans declined. “We estimate that for the non-performing loans will reach 200 U.S. dollars – 300 billion dollars in losses and threaten the 3,000 small and medium size banks do not have a sufficient proportion of business assets, said:” Panel.

The report is the White House and Congress signal that the commercial real estate before the deterioration in the credit market is expected to rebound. “We see the point of TARP (and problem assets relief program) declined and the economy a major challenge, said:” The U.S. Congress Elizabeth Warren, Chairman of the Panel. He added that this point, the United States needs a real estate credit recurrence of the problem the new system. In his research team found that in 2988 investment bank more than three times the area of commercial real estate loans to state-owned assets. One, 2500 memeliki The banking assets of less than $ 10 billion U.S. dollars.

The group also noted that the federal government should consider include the bank equity injection of other solutions small. Another step is to buy non-performing assets or loan guarantees. However, in the congressional session last fall, Treasury Secretary Timothy Geithner said the move was not practical for large-scale bank reviews, until a more detailed level. At the same time, real estate research firm noted that the outlook berasarkan research, in the U.S. bank’s potential losses could reach $ 50 billion, accounting for 60 percent of problem loans.

For your business development proposals, bank interest order to make detailed and as realistic as possible. To prepare a brief introduction materials, but comprehensive, with this in mind: business development goals, targets and asset sales growth is expected to be in the description in detail the factors to achieve the goals, strengths, weaknesses, opportunities and the need to face them in the development of business plans and objectives of the work plan, explained that the business development of the parties for the use of credit schemes and repayment plan, you must meet before applying for credit in the commercial loan, you can get to the bank concerned about the completion date of other provisions.

For banks and other financial services, the customer will apply for loans must be subject to section 5c, namely:
1. Character, the commitment and track record you are.
2. Capital, how much personal money, you spend the development of business, pemodalan structure (how the initial paid-up capital and profits to capital accumulation), the commercial capital (shareholders of people who ensure that investors, ownership structure and whether investors have also become management companies), and capital assets, including tangible assets (land, buildings, machinery, stocks, etc..), and intangible assets (brand, reputation, reputation, etc.)..
3. Capacity, which is considered among other things: how sales trends (up, down, or stagnation), the cost structure (fixed costs, variable costs) to compare costs and income, debt and bills (large, small, or the equivalent), projection Cash flow (surplus or deficit), workers (permanent or contract, how to skills and experience), so production capacity (the amount of daily production, sales) is in accordance with.
4. Conditions. Including licensing, trade similar situations (if a little risk, medium or high), business prospects, competitive status (whether it is the market leader, market follower, niche market, or a single fighter aircraft), which is the most important: What is, or unique selling point (if a simple imitation or difficult to imitate, and to any place.)
5. Collateral. Is there a quick loan or commercial loan, they will ensure that, whether tangible (cash, inventory, equipment, vehicles, and of this nature is not fixed, such as land and buildings), intangible assets (personal guarantees, corporate guarantees, credit insurance , associations / cooperatives, guarantor, etc.)..

The successful absorption of the rules, then the next step is you want to run a successful step. To achieve success in running these

steps  1 :
Dare to think what your dreams!
• Many people want to succeed, but fear of the dream, I am afraid there is a dream, afraid of setting goals, or even not sure goals. Regardless of the status and role, you must dare to dream to reach the peak of achievement and success.
Married Password target high value.
* Remember, “You are what you think.”

Step 2
Not bear to think what you think!
• If you dare to think, you will be able to reach the peak of the achievements and success, you have to really need it. Otherwise, you will not have a lot of energy, achieve your dreams.

Step 3
Courage to decide what you want!
* If you really want what you dare to want to make clear decisions, to achieve this goal. This is your goal for your campaign has been like a starting point.

Step 4
Dare to plan what you decide!
Do not act without planning, because it makes you unable to concentrate. In accordance with your plan. The successful production of a short-term plans, medium-and long-term, now!

Step 5
How do you dare to plan!
* Successful people are those who dare to run consistent and unrelenting successful program. There is no business that is always on top, there is no challenges and obstacles. Armed planning, people can move the focus.

Step 6
I believe you dare!
* People who do what he was a firm belief, of course, are more likely to succeed, rather than those who lack of confidence. If you believe all of my heart, you run the job today tekuni will lead you to success, then you get there.

Step 7
What, you dare to stand for your beliefs!
* Faith is not enough! You should strive to achieve their goals. You must have the courage and struggles are never afraid of failure, to death. Use “way of thinking is possible” to 1:00, you have a target.

Step 8
What you dare to fight SUKSESKAN 呀!
* Do not go half and half. If you believe that, dare to fight with your consciousness, so you should be able to be successful steps.
* Try always to your success every step of the operation, it did.

Step 9

Enjoy you dare  sucessfull !
* You successfully achieve your goals and objectives and enjoy the results. If at first you dare to fight the incredible success of the dream of gold, then you should and should enjoy the results of the struggle.

Step 10
Courage to realize you like!
* People fully understand the true success, nothing is eternal in this world. Success may be short-lived, and sometimes people must push for time.
* True success, we must support the personality and positive attitude. The truly successful, it must be spiritual (religious) continues to be very solid.
* Celebrate your fully aware that there is no berlebihan.Mr success. Wuryanano sure, if you run all these steps are successful, there is no sense of pessimism and doubt, you are what the people – people who will achieve all the things you think the success .

The correct decision was based on the decision of the conditions encountered in the long run, did not result in a negative excesses. Many people who can make decisions, but rarely able to make such a long-term-oriented decisions, most of them only for short-term decisions. For example, as the Government has decided to raise fuel prices. If the study is a decision to raise fuel prices right, but only in time. But one thing, this is long forgotten by the government in society where the real long-term effects. At that time the world oil prices appear, and then at a lower fuel prices, what is happening? , Basic needs, fixed production costs are high, but eventually only a small part of the profits enjoyed by the community water prices.

For example, the same, this incident took place in place in my place. Employers and workers to sleep on the kitchen dictate the timetable in the kitchen just because breakfast, a day late, but he forgot why it happens, long-term effects, if the policies adopted.

Sub-step decision-making;

1. Tend to be a problem, at this point, we will have problems, we need to respond as quickly as possible.
2. The cause of the problem, we must take immediate problem “essence.”
3. Identify the problem, the essence of the problem is when you will find a list of questions the likelihood of settlement and its impact
4. Problem-solving; from step 3, we need to address the problem has the lowest resistance, long-term long-term effects of light

In order to strengthen and promote economic cooperation, including trade and investment, ASEAN countries and China agreed to free trade agreements. The approval of the co-operation provisions of Presidential Decree 2004, No. 48. ASEAN economic cooperation, China will enhance the well-being of the people in their respective countries. In order to achieve a big dream, agreed to lower trade barriers in order to create a low-cost transactions. In addition, it agreed to increase trade and investment within the region and enhance economic efficiency. Steps to achieve this goal, among other things, as the tariff barriers and trade nontarif the gradual elimination of all things. Of trade in goods and services, the gradual liberalization of important sectors of the coverage. Where then is the status of the agricultural sector in ASEAN, China Free Trade Area What is this?

ASEAN Free Trade Agreement, China (FTA) of the agricultural sector, it is actually related to the World Trade Organization (WTO) negotiations on the liberalization of the agricultural sector breakdown of responses.

This is Indonesia’s very difficult to reject the free trade agreement. Refusal to separate from Indonesia will stage regional trade. On the other hand, refused the ASEAN China Free Trade Area will not automatically make a strong domestic economy.

Does not accept the ASEAN China Free Trade Area will also be inundated Indonesia imported from China, but by other ASEAN countries, regional cooperation, which were previously bundled into the product.

Meanwhile, in Indonesia participated in the ASEAN-China Free Trade Area, but also not without problems. Indonesia’s 2.3 million residents, is a commodities and products in the Chinese market is very large. Prior to the implementation of the ASEAN China Free Trade Area, a variety of products from China flood the Indonesian domestic market.

Indonesia’s many goods and products difficult to compete with imported products from China. In fact, the industry producing these products, as well as agricultural planting, as Indonesia’s millions of people live basis.

As a nation, Indonesia is no need for such lost, like all the “homework”, that is, the tide of free trade, long-term concern, because the approval was signed in 2004 done a done a good job. This is to improve the operational capability and product quality of goods and increase the competitiveness of Indonesian products.

Agriculture Suswono States, the ASEAN China Free Trade Area is a minister of the agreed policy. Thus, a better job when faced with increased capacity, production and quality of agricultural products in Indonesia. This is necessary because Indonesia never be a survival strategy. Sooner or later, free trade will happen.