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Previously every time we go for buy something in many places, we must bring a lot of our money in the wallet as transaction for get something we need. But know everything is different, everything is very simple. Every time we want to do it transaction for our pleasure, we can apply credit card for that and many thing else without bring many of our money in wallet. For Apply that card is so easy and simple but we must have savings our money in the Bank and fill up form for apply, for example Lippo Bank, Bank Central Asia ( BCA ), HSBC,etc.

For apply credit card is easy , in many Shopping Center, Mall, Super Market, Restaurant or many place else, we can use that card for buy something. The method is, we show and give our card to the cashier then cashier will give some form for sign in with us like agreement. If the credit card is failed the cashier will tell to us about our card is can’t to be use for transaction, it is mean our savings is empty or minus.

With apply credit card, is so easy and many thing can be use with credit card. In modern life is important to be simple. In travel to any where we don’t need bring money in our wallet to much, have a certain simple attitude for our secure in every where we like to do. Savings our money now for the future we can reach.

Before a new product will be launched to the market, usually there is long research both research for the product and research for the market. For New Product research needed big fund, good human skill, good supporting equipment and also special time and team just for this purpose. That’s all commonly do by big company because they have big resources to do the research.  Generally there are 2 research needed on this:

1. Market research

This research tries to hear and collect all information in relation with the new product that will be developed, and should include some answer of these

1.  
   • What kind of product that market needed?
   • Will the product gives good benefit to customer? Check advance of market’s need will be a good answer for product specification 
   • How long the product cycle could be accepted market?
   • How much price that can be reached market?
   • Is there any special specification base on market desire?
   • What kind of product quality that market desire?

2. Product Research

         The product research should follow requirement of market or have vision as trend setter for market. Here are some key points on the product development·         Has the product already competitor in market or it will be new thing in market?          ·         Is its price accepted on the targeted market?          ·         Is it low cost on mass production?          ·         Will this product give higher benefit than other similar products?           ·         Is it high efficient during mass productionThere are so many points that should be completed to get the best specification of product as per market request. All of points should be accomplished base on product time line and for the further there are so many improvement steps until product really can be accepted by market and finally leading the competition. No one know until the product ii launched to the market and let see for few weeks for market respond or feedback about product and then there are some review and make necessary improvement steps on this.