3 strategies to dominate a scary economy

By Geoff Colvin, senior editor-at-large

General Mills headquarters in Minneapolis

FORTUNE -- Gloom has become a menace. The drumbeat of distressing news -- Europe, the fiscal cliff, China -- is enough to rob anyone of hope. It's a nasty, insidious force that's undermining the native optimism that buoys up businesspeople everywhere.

Resist! The reality is that even in today's uncertain economy, some companies are winning big. Growth and success are always possible if we adapt to the times. Three strategies are helping smart companies dominate.

They manage for value -- not for EPS, Ebitda, gross margin, revenue, cash, or anything else. That sounds obvious, but in difficult times, managers get seduced into value-destroying moves. For example, accounting rules say that R&D and marketing are expenses, so if you cut them -- and they're easy to cut -- reported profit jumps. Who doesn't want higher profits now? But in reality those costs are investments that pay off for years, so cutting them destroys value.

A company that understands that is Qualcomm (QCOM), maker of the chips that power mobile phones. In the recession its profits fell in 2008, then fell sharply in 2009 -- yet the company increased R&D, sometimes substantially, every year through the downturn and beyond. The complaint that mindlessly short-term-obsessed investors punish such behavior just isn't valid; Qualcomm's stock has been surging for more than three years.

Other companies manage for value in other ways. Intel (INTC) launched billions of dollars in new plant construction when its industry was on life support and credit markets were traumatized. Coca-Cola (KO) never let up on brand building. Those companies are thriving.

They keep developing human capital. Every company claims that "people are our most important asset," but few mean it. In tough times most companies slack off on leadership development. Training costs money, and moving high-potential managers into developmental assignments feels like a luxury that can wait for better times. But the best-performing companies know that human capital truly is a business's most valuable asset, the scarcest resource, no matter what kind of business it is. Look at highflying IBM (IBM), No. 1 in our latest ranking of the world's top companies for leadership development. It hasn't even considered cutting back its Corporate Service Corps, which sends teams of promising employees around the world to work with local organizations on local problems. Former CEO Sam Palmisano liked to observe that calling IBM a hardware or software or services company was wrong in each case. "We're a people company," he said. Or consider General Mills (GIS), prospering in the fiercely competitive food industry. Its famously demanding leadership culture hasn't wavered, and the company ranks No. 21 on Glassdoor.com's new list of the 25 companies where it's hardest to get hired.

They get radically customer-centric. Most companies don't even know what that means. They have no idea how much money they make or lose with each customer, and they don't craft genuinely different offers for different customers or customer segments based on those customers' needs. But top-performing companies do.

Amazon (AMZN) is the reigning champ, achieving its long-declared goal of being "Earth's most customer-centric company"; the stock just keeps climbing. In a much different industry, Wells Fargo (WFC) has become America's most valuable bank, with a customer-centric strategy since 2003. Wharton professor Peter Fader notes that "the average Wells Fargo household has over five different bank products, roughly twice the industry average."

These three strategies are a bit contrarian in today's world. Following them demands courage. Fear not. They work. Be brave, adopt them with enthusiasm, march confidently into the gloom, and smile.

This story is from the September 24, 2012 issue of Fortune.

18 Sep, 2012

-
Source: http://rss.cnn.com/~r/rss/money_news_companies/~3/vlWp8y-P3u4/
--
Manage subscription | Powered by rssforward.com

03.14 | 0 komentar | Read More

What it takes to be 'Made in USA'

Athletic shoe maker New Balance says stamping Made in USA on its labels draws in customers.

NEW YORK (CNNMoney) -- With so much talk about the need to revive U.S. manufacturing and create jobs, more companies are touting their American-made roots in order to lure customers.

The notion that buying something made domestically will boost the economy has become an article of faith during the economic crisis. And many businesses are trying to capitalize on that by attaching a "Made in USA" label to their products.

Buying American-made goods has become personal, according to Dave Schiff, chief creative officer at Made Movement, a website that markets and sells only American-made products. Shoppers believe that supporting businesses that manufacture domestically could help them in return.

People are looking for "Made in USA" labels because they know that's how jobs are created, he said. They think, "My son who is unemployed could benefit if I pay attention to a label. The economy at large gets a shot in the arm."

But before a company can use the iconic label, it must comply with a complex set of rules that dictates its use.

The Federal Trade Commission has a dizzying 44-page rulebook that lays out the guidelines -- and the specifics are enough to make your head spin.

For instance, domestically-made textiles, wool, fur or automobiles must, by law, have a "Made in USA" label. Companies aren't required to disclose country of origin for most other products, but many choose to tout their American-made status in order to appeal to customers.

Companies looking for that boost from the label have to be able to prove that their final products are assembled or processed in the United States, according to the FTC. The agency doesn't spot-check items that claim to be made in the United States, but it does investigate complaints.

Related: 7 hot Made-in-the-USA toys for the holidays

Of course, many manufacturers now rely on global supply chains, which makes it much harder to determine when a company can rightly make the claim. Regulators try to assess how much of a product's total manufacturing cost comes from the United States.

For goods that have parts made in many different countries, the FTC relies on what it calls a "one step removed" rule. For instance, if a shirt is made with fabric from overseas, but sewn together in the United States, it can't be labeled "Made in USA."

But if a manufacturer uses U.S.-made fabric that is sewn together domestically using thread made overseas, it would be permitted to use the "Made in the USA" label.

Companies that can't get all of their component parts domestically can use what the FTC calls qualified "Made in USA" claims, such as "Made in USA from imported parts" or "Assembled in the USA."

Related: The manufacturing jobs boom is for real

While the distinctions may be minor, a failure to follow the rules can cost businesses a ton of money.

If the FTC finds a label to be deceptive, it can file a lawsuit and ask for a court-ordered fine or consumer redress. According to Matt Wilshire, an FTC staff attorney, fines go as high as $16,000 per mislabeled item sold, or for every day that the item was advertised.

"This could become a very large figure very quickly," he said, citing one case that ended up costing a business nearly $400,000 in fines.

As costly as a labeling mistake could be, many feel like the regulations protect smaller businesses in the long run.

Brian Meck, who co-owns Fessler USA, a private-label manufacturer that makes clothing for retailers like Urban Outfitters (URBN), says that the regulations reward companies who pay higher costs to manufacture domestically by safeguarding the Made in USA claim. Without the rules, he said, big brands could benefit from the label while sourcing cheaper imported materials to cut costs, without anyone knowing the difference.

Meck also said that the regulations not only protect businesses, but also help consumers. "They give [consumers] the ability to know where their dollars are going and what they're really supporting."

Related: Best Places to Launch

For New Balance Athletic Shoe, which is the last U.S.- made athletic footwear brand, the pros of manufacturing domestically outweigh the drawbacks.

"From a cost perspective, you add different burdens -- regulatory schemes, wage and benefits -- compared to competitors," said spokesman Matt LeBretton. "But the feedback that we get is pretty outstanding, so we do everything to make that continue to work."

First Published: September 18, 2012: 5:48 AM ET

18 Sep, 2012

-
Source: http://rss.cnn.com/~r/rss/money_news_companies/~3/_2E3-4SplVQ/index.html
--
Manage subscription | Powered by rssforward.com

03.14 | 0 komentar | Read More

Tesla may need to slow down electric car production

Tesla is ramping up production of electric cars such as its Model S. But one investing strategist is worried that Tesla is boosting production too quickly.

NEW YORK (CNNMoney) -- John J. Licata is the founder and chief energy strategist for Blue Phoenix Inc., an independent research and consulting company focused on next generation energy. Neither Licata nor his firm has an investing position in Tesla Motors.

Tesla is showing that is getting the knack for making cars. At least that is what one can infer from a recent tweet by chairman and CEO Elon Musk.

Over the weekend, Musk said the luxury electric vehicle maker made 100 vehicle bodies for the first time in the company's history. I want Tesla (TSLA) to succeed but I do have concerns. How can a very young automaker, one so meticulous in its efforts to make the perfect car, actually boost production levels at such a fast rate in the next few months and still maintain its high standards?

Let's look in the review mirror. During the company's most recent earnings call, Musk said Tesla made 10 vehicles per week (40 in total). Musk also gave Wall Street some meat to chew on by declaring Tesla would dramatically increase production in the coming months. Still, Musk's, declaration via Twitter that Tesla made 100 vehicles may turn some heads. Some analysts were thinking Tesla's production would jump to only 40 vehicles a week.

Shares of Tesla were up 5% Monday morning. In addition to the production news, the stock got a lift from an upgrade by analysts at Morgan Stanley.

Looking at the road ahead though, producing 100 vehicles a week shows the company's huge ramp-up in production timetable may be happening earlier than expected. Yet more work needs to be done in short order for the company to produce enough vehicles to be above the 20,000 per year production clip the company has been aiming for. Musk has stated that by 2013, Tesla will boost production to "at least 20,000 units".

Tesla Model S review: A good first impression

In fact, to meet that goal Tesla would have to produce over 400 cars a week by the fourth quarter. At the current rate of 100 units per week, Tesla would be on a path to produce just 5,200 cars a year. So the company would have to nearly quadruple its production rate to meet the 20,000 a year goal.

Going from producing 10 cars a week to over 400 in two quarters is quite monumental for any car company, never mind an automaker that is as young as Tesla. That could mean quality control will become a sticky situation. With such a robust growth rate in store for Tesla, I think Musk would be challenged to inspect many of the cars himself (as he tries to do now) and simultaneously maintain full responsibilities as the CEO.

So Tesla may need to downshift its rapid growth rate from 5th gear if the electric car company wants to maintain high quality control standards. Musk may also want to focus more on just being Tesla's chairman and bring in a seasoned auto veteran as CEO to oversee the daily operations of the company at this stage of the company's life cycle.

With two crossovers, a more affordable sedan, second generation Roadster and the Model S planned for the next three years, Musk may have too much to handle. And investors might be getting just a little too excited given that Tesla is still losing money.

First Published: September 17, 2012: 11:01 AM ET

17 Sep, 2012

-
Source: http://rss.cnn.com/~r/rss/money_news_companies/~3/KmBp63b2N88/index.html
--
Manage subscription | Powered by rssforward.com

08.15 | 0 komentar | Read More

UnitedHealth bumps Kraft from Dow

NEW YORK (CNNMoney) -- Insurer UnitedHealth Group will bump food giant Kraft Foods from the Dow Jones industrial average, the index owners announced Friday.

UnitedHealth (UNH, Fortune 500) is the first health insurer in the blue chip index of 30 major stocks, which is considered a snapshot of the nation's diversified economy. The shift will take effect after the close of trading on Friday, Sept. 21.

The index managers said that the decision was prompted by Kraft's decision to spin-off its North American grocery business. The new business will be called Kraft Foods Group, while the remainder of the company will be renamed Mondelez International.

The index managers said its committee "believes that Mondelez's reduced market capitalization and projected lower percentage of revenue generated from the U.S. makes the company less representative of the U.S. large cap market space."

It said it also wanted to reflect the growing importance of health care spending in the index.

The only health care companies now in the index are pharmaceutical companies Merck (MRK, Fortune 500) and Pfizer (PFE, Fortune 500), along with Johnson & Johnson (JNJ, Fortune 500), which in addition to prescription drugs makes medical devices and over-the-counter health care products.

Related: Dow closes at 5-year high

Kraft (KFT, Fortune 500) has only been in the index since 2008, when it replaced insurer American International Group (AIG, Fortune 500), which was removed after a federal bailout left the U.S. Treasury with a majority stake in the firm. The index managers said at that time it wanted more representation of the food industry -- McDonald's (MCD, Fortune 500) and Coca-Cola (KO, Fortune 500) are the only food companies left in the index with this move.

There had been calls for Apple (AAPL, Fortune 500) to be added to the index, since it has become the most valuable company in U.S. history. But besides the fact that there are already five other tech companies in the index -- IB (IBM, Fortune 500)M, Hewlett Packar (HPQ, Fortune 500)d, Cisco System (CSCO, Fortune 500)s, Inte (INTC, Fortune 500)l and Microsof (MSFT, Fortune 500)t -- the way that the index is calculated would give extra weight to a company with a high stock price like Apple. It would likely need to split its shares in order to be added to the Dow.

First Published: September 14, 2012: 9:31 AM ET

14 Sep, 2012

-
Source: http://rss.cnn.com/~r/rss/money_news_companies/~3/4uZRdV9PAjw/index.html
--
Manage subscription | Powered by rssforward.com

03.25 | 0 komentar | Read More

Is this man ready to run Ford?

Mark Fields

FORTUNE -- Ford is undertaking leadership succession that could be tricky, fraught with drama and ultimately decisive as to Ford's competitiveness.

The company's board is reportedly considering Mark Fields, 51, to succeed Alan Mulally as the automaker's next chief executive officer. Fields's main task will be to prove he can perpetuate the change in corporate culture initiated by Mulally, 67, who is approaching retirement. Since 2006, when he was hired from Boeing, Mulally has imposed a collaborative management style for Ford's top executives, a departure from the automaker's history of internal combativeness.

Fields, who is reportedly about to be promoted to Ford's chief operating officer, is being chosen in part for his willingness to lead according to the new cultural norms, which have helped the automaker regain financial stability after near-bankuptcy in the 2008 financial crisis. Fields is currently running Ford's business in the Americas, which has been profitable.

MORE: 10 classic cars worth reviving

Ford has declined to confirm widespread reports that the board was preparing to name Fields to a new post, positioning him as Mulally's successor. Ford also has sidestepped questions about Mulally's retirement, except to quote executive chairman Bill Ford's invitation to stay indefinitely.

For directors and major shareholders, Mulally's retirement would be a loss – yet failing to provide a transparent succession plan carries hazards as well. In any event, Mulally's impact on the organization has been profound.

"Mulally replaced the 'great leader' model of CEO for the 'wise coach' model," said David Cole, chairman emeritus of the Center for Automotive Research in Ann Arbor, Michigan. "Ford's board of directors has to be certain that the culture doesn't revert to the old way of bickering that characterized the old regime."

Fields was Ford's top executive when it was affiliated with Japanese automaker Mazda and earlier served in South America. One of the oft-told tales about the early days of Mulally's tenure is that Fields was one of the first to be willing to admit operational difficulties in front of the CEO and other executives. Prior to Mulally, such an admission would have been interpreted as weakness and possibly career-damaging.

MORE: What a European Mustang will look like

"One of the interesting aspects of Fields is that he was part of the old system," said Robert Pasick, an Ann Arbor-based psychologist and executive coach. "It wasn't clear that he was going to survive Mulally. He must have proved his worth."

One news report from Reuters, citing an unnamed source, says that Mulally could serve on the Ford (F) board for some period as non-executive chairman after Fields takes over as CEO. The board would risk alienating Fields and create uncertainty as to who was running the company.

A Detroit-based automotive consultant who declined to be identified said "it's hard to say when Mulally is leaving, but being as thoughtful as he is you can be sure there is a plan and he's going to execute it flawlessly."

The plan, said the consultant, likely entails a resolution of Ford's troubled European operations, which lost $404 million in the second quarter and are likely to lose more through the end of 2012. "He wants to be sure to set up the next guy for success," said the consultant, noting that Ford has been able to put in place a plan for action in China that can make the company more competitive there.

Equity analysts have told Ford that its shares are selling at a significant discount to their potential because the automaker hasn't proved it can avoid multi-billion dollar losses in Europe. Once that continent is fixed, Alan Mulally could be in a position to hand the keys to Mark Fields – while both enjoy a much richer price for Ford stock.

17 Sep, 2012

-
Source: http://rss.cnn.com/~r/rss/money_news_companies/~3/UxlwzMpq18E/
--
Manage subscription | Powered by rssforward.com

03.25 | 0 komentar | Read More

Buffett: My cancer treatment is done

NEW YORK (CNNMoney) -- Billionaire investor Warren Buffett says he has completed treatment for a mild case of prostate cancer, according to a published report.

Speaking Friday to executives of newspapers he has recently acquired, Buffett was quoted by The Omaha World-Herald as saying "It's a great day for me. Today I had my 44th and last day of radiation." The World-Herald is owned by Berkshire Hathaway (BRKA, Fortune 500), Buffett's investing company.

In a letter to shareholders in April, Buffett disclosed that he had Stage 1 prostate cancer. Buffett, who is now 82, said at the time that the cancer was "not remotely life-threatening."

Less than a month later, Buffett told shareholders gathered in Omaha, Neb., that the cancer was "a non-event."

"Maybe I'll get shot by a jealous husband, but this is a really minor thing," he said about the risk to his life.

Related: Berkshire earnings drop on derivatives

Buffett, one of the world's richest men as a result of his investing prowess, has yet to publicly reveal a succession plan, though he says he has already informed Berkshire's board about his preferred candidates. Upon his departure, Buffett's job will be divided between a CEO in charge of operations and one or more executives in charge of investments.

The World-Herald quoted Buffett as saying he's relieved to be done with the radiation.

"I'll be feeling the side effects for a few weeks yet, but I am so glad to say that's over," Buffett said.

First Published: September 16, 2012: 2:36 PM ET

17 Sep, 2012

-
Source: http://rss.cnn.com/~r/rss/money_news_companies/~3/FZZmRQ6q7gc/index.html
--
Manage subscription | Powered by rssforward.com

11.56 | 0 komentar | Read More

Hostess seeks court help to avoid closing doors

Hostess Brands is in its second trip to bankruptcy court since 2004.

NEW YORK (CNNMoney) -- Hostess Brands, the maker of Twinkies and Wonder Bread, said Friday that it would seek a court order to force a new contract on one of its unions and stave off its demise.

The announcement came after one of the company's major unions, the International Brotherhood of Teamsters, voted narrowly to accept the proposed agreement. The other -- the Bakery, Confectionery, Tobacco Workers and Grain Millers International Union -- rejected it, Hostess said.

Hostess now plans to ask a bankruptcy judge to force the bakers' union to accept the new contract, allowing the company to avoid closing its doors and facing liquidation.

"Our only option to save Hostess, preserve jobs and avoid liquidation is to amend our labor agreements," Hostess CEO Greg Rayburn said in a statement.

Hostess employs roughly 18,500 people. Among the changes the company is seeking with the new agreement are a reduction in its pension obligations and a 17% cut in its contributions to the employees' health care plan, a Hostess spokesman said.

Related: Hostess, from icon to bust

Hostess also wants to cut salaries across the company by 8% in the first year of the five-year agreement. Salaries would then bump up 3% in the next three years and 1% in the final year.

In exchange, the company is offering concessions including a 25% equity stake for workers and the inclusion of two union representatives on an eight-member board of directors.

Teamsters General Secretary-Treasurer Ken Hall called accepting the agreement "a difficult decision."

"Our members are frustrated at being in the position to bail out the company again, but overall were willing to accept modifications with the hope that Hostess will recover and be in a better position in the years to come," Hall said in a statement.

The bakers' union did not immediately respond to a request for comment. Hostess hopes to have the motion heard in October.

Hostess filed for bankruptcy in January, its second trip to bankruptcy court since 2004.

Even if it does end up in liquidation, analysts say that some of its most iconic brand names -- Twinkies, Ding Dongs and Wonder Bread, to name a few -- will likely live on, getting scooped up at auction and attached to products from other companies.

First Published: September 14, 2012: 8:09 PM ET

15 Sep, 2012

-
Source: http://rss.cnn.com/~r/rss/money_news_companies/~3/2sjGK1_vY-0/index.html
--
Manage subscription | Powered by rssforward.com

09.07 | 0 komentar | Read More

Atasi Perselingkuhan Antara pasangan

Atasi Perselingkuhan Antara pasangan Apakah Anda sering bertengkar dengan pasangan? Banyak pasangan yang terjebak dalam hubungan buruk tanpa mengenali penyebabnya. Tak melulu soal perselingkuhan, pertikaian justru kerap terpancing dari kebiasaan buruk dalam mengelola hubungan.

Psikiater Rebecca Gladding, MD, sekaligus penulis buku 'You are Not Your Brain: The 4-Step Solution for Changing Bad Habits, Ending Unhealthy Thinking, and Taking Control of Your Life', memaparkan lima kebiasaan buruk pasangan yang berpotensi menghancurkan hubungan, dikutip galtime.com.

1: Berdebat mempertahankan ego
Perbedaan pendapat itu sah-sah saja. Masing-masing memiliki hak untuk memberikan argumen untuk mempertahankan pendapatnya. Namun, terkadang banyak pasangan yang terus berdebat lantaran masing-masing ingin memenangkan "pertarungan".

Ada yang ngotot agar pasangannya 100 persen setuju dengan argumennya. Ada yang sudah menyadari argumen pasangannya yang benar, tapi tetap bertahan pada ego lantaran tak ingin terlihat kalah di hadapan pasangan.

Hentikan kebiasaan ini. Coba kendalikan ego saat berdiskusi dengan pasangan. Jangan sampai Anda selalu menempatkan pasangan sebagai musuh yang harus selalu tunduk pada argumen Anda. Kedepankan logika berpikir demi hubungan harmonis dan mencegah pertikaian panjang.

2: Berasumsi
Jangan-jangan dia begini, jangan-jangan dia begitu, atau pasti dia seperti ini, ... Kalimat-kalimat seperti ini biasanya mudah tersulut saat ketakutan dan kecemasan merayapi diri. Tuduhan begitu mudah muncul dan menempatkan diri sebagai korban kebohongan, tanpa ada komunikasi yang baik dengan pasangan.

Jangan biasakan menuruti bayangan atau merasa memiliki firasat sebelum Anda mengomunikasikan persoalan dengan pasangan. Kedepankan komunikasi dalam hubungan. Bicarakan semua masalah. Diam dan berasumsi justru akan menyulut pertikaian yang berpotensi merusak keharmonisan hubungan.

3: Mengejar jaminan perasaan
Tak hanya dihujani kalimat mesra, wanita juga sangat senang jika pasangannya mengulang-ulang komitmennya terhadap hubungan. Dan, wanita cenderung suka membahas topik yang sama, terutama ketika pria sempat melakukan kesalahan atau selingkuh.

Membahas suatu masalah atau menanyakan perasaan pasangan memang penting, tapi ada batasnya. Jangan sampai usaha membuat nyaman perasaan justru membuat pasangan merasa tidak dipercaya. Ingat karakter pria, semakin didesak, ia justru semakin menghindar.

4: Memeriksa ponselnya
Melihat ponsel pasangan tergeletak mungkin sangat menggoda. Apakah pasangan masih berhubungan dengan mantan? Apakah pasangan melakukan kebohongan? Pertanyaan-pertanyaan inilah yang biasanya menggerakkan tangan kita untuk memeriksa pesan-pesan singkat dan email pasangan diam-diam.

Terlepas rasa penasaran yang menggelora, ini sebenarnya justru mengindikasikan kita tak percaya dengan pasangan. Hati-hati, memeriksa hal-hal pribadi pasangan justru bisa memicu pertikaian serius yang dapat menghancurkan hubungan. Jika memang ingin membacanya, lakukan saat sedang berdua pasangan, bukan diam-diam.

5: Membahas hal penting lewat layanan elektronik
Biasakan membahas masalah serius dengan komunikasi langsung atau tatap muka. Meski sejumlah layanan chat menyediakan emoticon beragam, itu bisa menimbulkan salah persepsi yang memicu pertikaian panjang. Bagaimanapun kontak mata, bahasa tubuh, dan nada bicara menjadi elemen penting dalam sebuah pembahasan serius Atasi Perselingkuhan Antara pasangan

01.10 | 0 komentar | Read More

Promo Member Alfamart Minimarket Lokal Terbaik Indonesia

Alfamart adalah sebuah minimarket lokal yang memberikan suguhan yang dapat memuaskan pelanggan ketika berkunjung ke minimarket, dengan keramah-tamahan dan kesopanan karyawannya serta sapaan yang menjadi ciri khasnya membuat banyak orang datang ke Alfamart untuk berbelanja kebutuhan sehari-hari dan bulanan. Sehingga tidak aneh Alfamart memiliki member yang setia dan terus bertambah. Adapun pihak Alfamart memberikan promo khusus bagi membernya yang memiliki kartu member Alfamart sehingga membuat pelanggan lebih menyukai berbelanja di minimarket ini. Dengan memiliki kartu anggota maka pelanggan akan mendapatkan promo member Alfamart.

Promo member Alfamart adalah sebuah usaha yang dilakukan oleh perusahaan minimarket ini untuk memanjakan pelanggannya. Pelanggan akan banyak mendapat keuntungan jika memiliki kartu member Alfamart ini, salah satu dari keuntungan yang akan didapatkan oleh pelanggan adalah promo khusus yang ada setiap dua minggu sekali, promo ini akan didapatkan oleh para member Alfamart ketika berbelanja di minimarket Alfamart dan toko serta perusahaan lain yang bekerjasama dengan Alfamart. Dengan kata lain jika anda adalah seorang pemegang kartu member Alfamart maka anda akan mendapatkan promo khusus yaitu berupa potongan harga atau harga spesial jika anda berbelanja di minimarket lokal Alfamart atau perusahaan yang bekerjasama dengan Alfamart. Sehingga tidak dapat diragukan lagi bahwa Promo Member Alfamart sangat berguna bagi pelanggan, dan tidak sedikit orang yang berkata bahwa Alfamart adalah Minimarket lokal terbaik di Indonesia.

Promo Member Alfamart Minimarket Lokal Terbaik Indonesia. Promo Indonesia ini diberikan oleh Alfamart sebagai Minimarket pertama yang mempunyai member terbanyak di Indonesia. Ketika mendengar kata "promo" pasti semua orang tertarik, karena pada setiap kegiatan promo pasti akan ada diskon, hadiah atau sesuatu yang menguntungkan lainnya. Dan kabar gembiranya, Alfamart sebagai minimarket besar Indonesia sedang mengadakan penawaran yang menarik, yaitu Promo Member Alfamart Minimarket Lokal Terbaik Indonesia. Promo Indonesia ini diberikan Alfamart untuk para calon member dan juga member Alfamart.

Minimarket Alfamart yang berdiri sejak tahun 1994 oleh PT. Sumber Alfaria Trijaya Tbk ini yang sekarang sudah memiliki banyak member dan merupakan member terbesar di Minimarket Indonesia. Pertumbuhan  Alfamart di Indonesia sangatlah pesat bak "jamur di musim hujan", terbukti dengan berdirinya cabang-cabang Alfamart yang tidak hanya di kota-kota besar tapi sampai ke pelosok-pelosok kecamatan di seluruh negeri Indonesia.

Alfamart Minimarket Pertama yang memiliki member terbanyak di Indonesia Alfamart Memberikan Motivasi dan Inspirasi serta Inovasi untuk memanjakan membernya. Salah satunya adalah dengan konsisten 2 minggu sekali  memberikan Promo Indonesia khusus untuk Member Alfamart baik untuk berbelanja di Alfamart Minimarket atau pun di merchant-merchant yang banyak bekerja sama dengan Alfamart Minimarket untuk memberikan potongan harga atau harga spesial.

Member Alfamart Adalah sebutan untuk para pelanggan setia Alfamart.Para member Alfamart akan mendapatkan berbagai macam keuntungan dan kejutan special dari Alfamart seperti: HematKu, Kalender Belanja, Specialku dan Hadiahku,serta program ekslusif lainnya. Member Alfamart adalah pelanggan yang memiliki dan bergabung dalam keanggotaan Kartu AKU, A Card Flazz atau Kartu AKU BNI Promo Member Alfamart Minimarket Lokal Terbaik Indonesia

KARTU AKU Promo Member Alfamart Minimarket Lokal Terbaik Indonesia

    Kartu Aku

Adalah kartu member yang pertama kali diluncurkan Alfamart pada tahun 2005. Dengan Kartu AKU, Member akan dapat memperoleh manfaat dan berbagai macam keuntungan serta Promo Indonesia menarik yang tidak dapat diikuti oleh pelanggan lain yang bukan merupakan member Kartu AKU. Kartu AKU berlaku Nasional di Alfamart seluruhIndonesia.

A CARD FINAL Promo Member Alfamart Minimarket Lokal Terbaik Indonesia
    A Card Flazz

Adalah Kartu Member Alfamart yang di luncurkan pada 15 Mei 2010 bekerja sama dengan Flazz BCA, yang selain berfungsi sebagai kartu member juga dapat digunakan sebagai alat pembayaran/transaksi karena A Card Flazz merupakan Kartu Prepaid (kartu non rekening yang dapat menyimpan uang untuk keperluan berbagai transaksi).

A Card Flazz dapat digunakan sebagai alat pembayaran tidak hanya diseluruh outlet Alfamart, Alfamidi ataupun Alfaexpress tetapi juga diseluruh merchant Flazz antara lain restoran, salon, toko buku, parkir, bioskop dan masih banyak lagi. Untuk sementara ini, A Card Flazz berlaku di Jabodetabek,Surabaya

KARTU AKU BNI Promo Member Alfamart Minimarket Lokal Terbaik Indonesia
    Kartu Aku BNI

Merupakan salah satu Kartu Member Alfamart yang di luncurkan pada 1 Januari 2010, merupakan kerjasama antara Alfamart dengan Bank BNI. Kartu AKU BNI merupakan kartu multifungsional, yang selain berfungsi sebagai kartu member, juga berfungsi sebagai alat pembayaran. Pengguna Kartu AKU BNI juga akan mendapatkan berbagai keuntungan dan kejutan spesial dari Alfamart serta tentunya dapat mengikuti program-program eksklusif khusus member di Alfamart. Untuk saat ini, Kartu AKU BNI berlaku di Alfamart Jabodetabek.
8 Keuntungan Member Alfamart

   1. Hematku dan Kalender Belanja
   2. Spesialku dan Hadiahku
   3. Special Big Program for "Member Alfamart"
   4. Redemption For "Member Alfamart"
   5. Member Alfamart" Thematic Promo
   6. Special Treatment for "Member Alfamart" Birthday
   7. Special Event/Activities For "Member Alfamart"
   8. Merchant For "Member Alfamart"

 

Demikianlah penjelasan singkat tentang  Promo Member Alfamart Minimarket Lokal Terbaik Indonesia Semoga dapat bermanfaat dan memberikan pengetahuan Lebih kepada masyarakat agar dapat bergabung menjadi Member Alfamart dan pastikan anda mendapakan keuntungan dan manfaat lebih dari Alfamart Minimarket Lokal Terbaik Indonesia

05.48 | 0 komentar | Read More

Fashion Dari Kulit Hewan

Fashion Dari Kulit Hewan Bau dan menjijikan, dua hal ini menjadi gambaran jelas tentang bangkai. Siapa pun akan menjauh untuk menghindarinya. Tetapi tidak dengan desainer asal Jerman ini. Ia justru berbulan-bulan
mengumpulkan bangkai binatang, untuk hasil karyanya.

Mungkin banyak orang yang akan berpikir dua kali untuk mengenakan alas kaki yang terbuat dari tapak kuda atau tikus mati. Tetapi bagi Irish
Shieferstein ini merupakan sebuah inovasi terbaru.

Seperti yang dilansir oleh Daily Mail, Irish Shieferstein baru saja mengeluarkan rancangan terbarunya. Kali ini ia berkreasi dengan
memanfaatkan bangkai hewan. dimulai dari kuku, kulit hingga seluruh
tubuh burung.

Desainer 45 tahun ini, mengumpulkan semua bangkai dari tukang daging. Ia menghabiskan waktu seminggu untuk membersihkan daging yang melekat, selanjutnya tulang dan kulit dikirim ke penyamak kulit untuk diawetkan.

Koleksi rancangannya telah ditampilkan di berbagai pameran seluruh dunia, termasuk Dolce dan Gabbana. Tetapi sayangnya, sepatu ini belum diproduksi secara umum dan meluas. Apalagi harga yang ditawarkan cukup tinggi, dan sepatu ini hanya dapat digunakan beberapa jam saja.

Beberapa koleksi penting Iris meliputi sepasang sepatu yang terbuat
dari kuda cokelat tanpa tumit sehingga orang yang memakainya harus
menyeimbangkan kaki mereka, sepatu stiletto kulit ular dengan tambahan pistol di bagian tumitnya juga dapat menjadi pilihan.

Selain itu ia juga membuat sepatu yang terbuat dari bankai burung merpati lengkap dengan sayap. " Saya merasa sedang terbang saat melihat rancangan saya yang satu ini" ujarnya.

02.12 | 0 komentar | Read More