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Prospekkah  Bisnis di Area Fun Zone ?

Pernahkah  anda membayangkan bahwa berbisnis di dunia entertainment  adalah bisnis paling moncer akhir-akhir ini? Kenyataannya bisnis ini memang menggeliat lebih cepat dari yang dibayangkan. 
Kecanggihan teknologi dan informasi mendorong bisnis entertainmen bergerak lebih cepat.
Dulu orang membuka warung internet hanya untuk memenuhi satu hal. Kebutuhan komunikasi bagi pelanggan. Namun kini kebutuhan itu sudah bergeser, bukan hanya komunikasi tetapi juga hiburan.
Karena itu, bisnis di zone ini masih sangat terbuka lebar, sepanjang dapat mengkolaborasikan antara fungsi komunikasi dengan hiburan.
Saat ini jasa mengakses internet di Indonesia masih terbilang mahal. Hal ini karena untuk mengaksesnya diperlukan perangkat keras dan lunak yang berbiaya cukup mahal.   Teknologi-teknologi akses internet yang baru, seperti GPRS, WiFi HotSpot, 3G, tetap menjadi barang mewah karena biaya untuk mengaksesnya sangat mahal, sehingga kebutuhan akan warnet akan selalu ada. 
Baru-baru ini,  di Semarang, Jawa Tengah tengah dilaunching  sebuah bisnis Fun Zone Game Online and  Internet.  Lokasi bisnis ini berada di area yang cukup berdekatan dengan kawasan universitas, sekolah, dan perumahan kalangan menengah atas.  Tepatnya berada di Jalan Raya Soekarno Hatta No.302 Semarang
Sebagai salah satu usaha yang bergerak di bidang dunia maya, Fun Zone harus dikembangkan berdasarkan kenyamanan bagi pelanggan.
"Konsep dasar yang diusung adalah  memberikan kenyamanan bagi pelanggan,  tempatnya yang nyaman, bersih dan luas, dan juga akses internet dan game yang cepat. Kami menyediakan fun zone special, serta  buka 24 jam,  tidak selalu tergantung pada listrik PLN (karena kalai listrik PLN mati tetap dapat beroperasi, tarif relative murah dan terjangkau, tersedia fasilitas café dan playstations," ujar Nugroho, yang diiyakan Agus Susanto, pengelola bisnis ini.
Bahkan, menurutnya,  untuk memberikan kenyamanan pelanggan, disediakan juga paket berlangganan  sistem tarif paket dan keanggotaan.  Untuk tarif paket dan kenaggotaan tetap  Fun Zone memberikan  tarif special dan discount hingga sebesar 20 persen Selain itu juga mendapatkan fasilitas free printing dan free scanning. Hal ini sangat menarik bagi para pelanggan, tidak heran jika dalam jangka waktu satu bulan saja Fun Zone sudah mendapatkan 100 pelanggan dan 50 anggota pelanggan tetap.
Investasi untuk usaha warnet atau game center jenis memang cukup tinggi. Akan tetapi jika melihat pangsa pasar kebutuhan akan internet yang terus meningkat maka dapat dipastikan bisnis fun zone akan mengalami perkembangan yang signifikan.
Anda tertarik mengembangkan bisnis ini, dan berencana mengkloning system yang sudah dikembangkan Fun Zone, anda dapat menghubungi Agus Susanto (Hp. 0888 676 0477), Nugroho (024 - 70295197) atau Novi (024 - 8310280). n

How to Choose Health Insurance

Most of the time it's a lady shopping for the Health Insurance, in families it's Mom, in companies it's payroll/book-keeper (also sometimes Mom in small companies). The guys just say 'I never use it', and leave the room.

The primary concerns are usually Office Visits, Rx (Prescription Drugs) and Hospital stays. Since ladies are usually looking more closely, we often find Maternity in the list of concerns, when the guys stay in the room, sometimes we are asked about Chiropractic. This is not ALWAYS the case, just the usual mix of concerns. You should definitely read the summary of benefits BEFORE using my comparison method. Both plans should be acceptable to you, you just want to know which makes sense financially.

Having been in thousands of discussions about Health Insurance I have found a simple way to compare High Deductible plans that cost less monthly, to Low Deductible Plans that cost a lot of money monthly. It is basically this:

Add up the annual cost of the High Deductible plan, say $100 per month times 12 = $1200 per year.
Add up the annual cost of the Low Deductible plan, say $300 per month times 12 = $3600 per year.
Subtract the smaller: $3600 minus $1200 = $2400, that is the yearly savings if you choose a High Deductible Plan.

Now, you don't use the deductible to compare, but a feature of PPOs called "Maximum out of Pocket" or "Stop Loss". That is your worst case scenario, everyone is sick, or everyone is injured and you all meet your deductible and co insurance up to that number, say $10,000 for a family.

At that rate, saving $2400 per year, you would have to go about 4 years to save the money you would need in a worst case scenario.

In my own case, family of 5, Los Angeles rates, a Low Deductible Plan is over $1000 per month, a high deductible plan is less than $300, we save over $8000 per year, and have been saving for over 12 years (we have an HSA, with a $3400 deductible, $10,000 max out for the family).

Many newer High Deductible plans like TONIK, from Anthem Blue Cross ,include Preventative, Dental and Vision benefits, which are more likely to be used than major medical. We all need a teeth cleaning, we don't all need a transplant, so those plans make sense to many people, and are extremely popular.

My comparison system still works, you simply add the cost of buying separate Dental and Vision to the cost of the plan without them, that really makes the newer plan including those benefits desirable, if you would use those extra benefits.

It's a simple rule really, and can be applied to other benefits, like Glasses on a Vision plan:

Vision coverage is $3 per person per month, with Lenses and Glasses covered it's $10.
You have 10 in your group, so that is $100 per month, $1200 per year.
Only two wear glasses, everyone else just needs the exam.
You only need exams for most, so that's $3 per month times 10, $30 = $360 per year.
You simply buy new glasses every two years for the two who wear them, and save $840 per year.

Once again, the focus here is on financial aspects of insurance, not the benefits, which must be weighed separately, and could be called "Getting a good deal". This method can tell you if you are "Getting a good deal" financially, comparing benefits is another story. Which I intend to write soon!
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