tag:blogger.com,1999:blog-2162278406915828372024-02-08T10:09:17.896+07:00FINANCIAL ARTICLESSAnonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.comBlogger40125tag:blogger.com,1999:blog-216227840691582837.post-20064800407771772382013-02-13T20:49:00.002+07:002013-02-13T21:06:47.734+07:00How to manage finances well<span class="" id="result_box" lang="en"><span title="Banyak orang yang berpikir bahwa pengelolaan keuangan terbatas pada bagaimana cara mencari uang, cara mengeluarkan uang, dan cara menyimpan uang."><img alt="" border="0" height="400" id="BLOGGER_PHOTO_ID_5490102318822913122" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjgsGcUYiZdzySRSkSvVDwJG5aW0d_IC2rL7szypFEGtfPf9ba1Sl8I-7RSt2mlKtwlB8H6QfNFPYuwDExNvFl9KNYyBoUlkNFBAsR8L_-X3aKAlzS-ArojAS7R0cCWh5hWWfdNKwPOZXo/s400/uang+keluarga.jpg" style="float: left; height: 150px; margin: 0pt 10px 10px 0pt; width: 150px;" width="400" />Many people think that financial management is limited to how to make money, how to spend money, and how to save money. </span><span title="Padahal, dengan memperhatikan bahwa uang pada hakekatnya hanya alat ukur, suatu alat bantu untuk melakukan transaksi dalam masyarakat, tidak ada pengaruh yang signifikan dari keberadaan uang itu sendiri.">In
fact, taking into account that money is essentially just a measuring
tool, a tool to carry out transactions in society, there is no
significant effect of the existence of money itself. </span><span title="Apa yang benar-benar menjadi masalah justru suatu kenyataan bahwa dalam jangka panjang, fungsi keuangan adalah fungsi eksponensial.">What is really a problem just a fact that in the long term, the finance function is the exponential function.</span></span><br />
<span class="" id="result_box" lang="en"><span title="Apa yang benar-benar menjadi masalah justru suatu kenyataan bahwa dalam jangka panjang, fungsi keuangan adalah fungsi eksponensial."></span><span title="Yang menjadi patokan adalah hal-hal yang terjadi di sekitar hidup manusia.">The benchmark are things happening around human life. </span><span title="Ambil contoh, misalnya pertumbuhan penduduk akibat urbanisasi.">Take, for example, such as population growth due to urbanization. </span><span title="Dari tahun ke tahun, proses ini terus terjadi dengan pertumbuhan, misalnya saja, 7% per tahun.">From year to year, this process continues to occur with growth, for example, 7% per year.</span></span><br />
<span class="" id="result_box" lang="en"><span title="Dari tahun ke tahun, proses ini terus terjadi dengan pertumbuhan, misalnya saja, 7% per tahun."><br /></span></span><span class="" id="result_box" lang="en"><span title="Baiklah, apa yang salah dengan laju urbanisasi sebesar 7% per tahun?">Well, what's wrong with the urbanization rate of 7% per year? </span><span title="Misalnya, satu dekade lalu jumlah kaum urban pendatang adalah 500 ribu orang.">For example, a decade ago the number of urban migrants is 500 thousand people. </span><span title="Dengan laju 7% per tahun, maka setelah 10 tahun jumlahnya menjadi 1 juta orang.">With a rate of 7% per year, then after 10 years the number to 1 million people. </span><span title="Di sini kita melihat sesuatu yang disebut Perhitungan Waktu Dua Kali Lipat.">Here we see something called computation time doubles.</span><span title="Perhitungan waktu dua kali lipat (doubling time) menentukan jangka waktu yang dibutuhkan untuk mencapai angka dua kali lipat.">Calculation of doubling time (doubling time) determines the length of time required to reach double digits. </span><span title="Dengan fungsi aritmetika, kita menggunakan logaritma natural, ln 2.">With arithmetic functions, we use the natural logarithm, ln 2. </span><span title="Agar mudah, dihitung dengan basis seratus dengan cara dikali seratus, hasilnya 69,3 dibulatkan menjadi 70.">To make it easier, calculated on the basis of one hundred multiplied by one hundred, the results are 69.3 rounded to 70. </span><span title="Jika kita mengetahui laju 7%, itu berarti untuk menjadi dua kali lipat dibutuhkan waktu 70 / 7 = 10 tahun.">If we know the rate of 7%, it was meant to be double the required time 70/7 = 10 years.</span><span title="Bayangkan, jumlah penduduk urban bertambah dua kali lipat setiap 10 tahun.">Imagine, urban population doubled every 10 years. </span><span title="Hal yang sama terjadi pada berbagai hal lain, misalnya kenaikan harga-harga atau inflasi, yang dirata-rata sekitar 7% - 8% dalam 10 tahun terakhir."> </span></span><br />
<br />
<span class="" id="result_box" lang="en"><span title="Hal yang sama terjadi pada berbagai hal lain, misalnya kenaikan harga-harga atau inflasi, yang dirata-rata sekitar 7% - 8% dalam 10 tahun terakhir.">The
same thing happens in many other things, such as rising prices, or
inflation, which averaged about 7% - 8% in the last 10 years. </span><span title="Kenyataannya, orang tidak bisa menghindari kenaikan; seperti kenaikan jumlah penduduk, kenaikan kebutuhan hidup – sementara daya dukung dunia relatif tetap.">In
fact, one can not avoid the increase, such as population increase, an
increase in the necessities of life - while the world's carrying
capacity is relatively fixed.</span><span title="Bagaimana dengan kehidupan orang-orang yang sedang membangun masa depan?">What about the lives of the people who are building the future? </span><span title="Kekayaan yang tidak bertambah, akan menghilang dalam jangka panjang.">Wealth is not increased, it will disappear in the long run. </span><span title="Karena itu, akumulasi kekayaan merupakan hal yang penting, untuk memelihara kehidupan yang baik.">Therefore, the accumulation of wealth is important, to maintain a good life. </span><span title="Kita membutuhkan pikiran yang sehat mengenai keuangan jangka panjang.">We need a healthy mind regarding the long-term finances.</span><span title="Mengakumulasi kekayaan bukan berarti menggantungkan diri pada kekayaan, melainkan bersikap peduli pada keluarga dan keturunan.">Accumulating wealth does not mean relying on wealth, but concern for the families and descendants. </span><span title="Kita tidak mengatakan bahwa semua akan baik dan terjamin jika kita mengakumulasi kekayaan, sehingga kita tidak membutuhkan Tuhan atau yang lain.">We are not saying that all would be well and protected if we accumulate wealth, so that we do not need God or others. </span><span title="Seluruh proses ini membutuhkan kebergantungan kepada Tuhan, tetapi dengan hikmat seperti semut yang mengumpulkan di musim panas untuk hidup di musim dingin.">The whole process requires reliance on God, but with the wisdom of ants that gather in the summer to live in the winter.</span><span title="Prinsip Bambu"> </span></span><br />
<br />
<span class="" id="result_box" lang="en"><span title="Prinsip Bambu">Bamboo Principle</span><span title="Bagaimana orang mengumpulkan kekayaan?"> </span></span><br />
<span class="" id="result_box" lang="en"><span title="Bagaimana orang mengumpulkan kekayaan?">How does one accumulate wealth? </span><span title="Kita bisa mempelajari dari pohon bambu.">We can learn from the bamboo. </span><span title="Akumulasi dilakukan berdasarkan dua prinsip yang saling berkaitan erat dan tidak terpisahkan.">Accumulation is based on two principles are closely interrelated and inseparable.</span><span title="Prinsip pertama: sebelum tumbuh ke atas, bambu berakar jauh ke dalam.">The first principle: before growing up, rooted deep into the bamboo. </span><span title="Akumulasi kekayaan dimulai dengan menggali potensi hingga jauh ke dalam, sehingga sanggup memberikan produktivitas seperti yang dibutuhkan untuk tumbuh ke atas.">Accumulation
of wealth begins by exploring the potential of up to much into that, so
that could deliver such productivity needs to grow up. </span><span title="Dalam prosesnya, mungkin untuk sementara orang tidak bisa melihat hasil atau pertunjukkan kekayaan yang nyata.">In the process, it may be for some people can not see the results or performance of real wealth. </span><span title="Kalau pohon lain langsung kelihatan tumbuh dan berbuah, pohon bambu masih kelihatan pendek untuk waktu yang cukup lama.">If other trees grow and bear fruit immediately visible, bamboo tree still looks short for a long time.</span><span title="Hal ini membutuhkan perubahan pola dari cara melihat hasil langsung – langsung punya motor atau mobil, langsung punya rumah, langsung punya kemewahan – walaupun dengan cara berhutang, menjadi cara hidup yang sederhana, hemat, dan bekerja keras serta cerdas.">This
requires a change in the pattern of the way to see immediate results -
instantly got a motorcycle or a car, instantly got home, immediately
have the luxury - albeit by way of debt, a way of life that is simple,
efficient, and work hard and smart. </span><span title="Perhatikanlah: semakin sukar kondisi perekonomian, baik global maupun regional atau negara, kita harus semakin dalam berakar sebelum naik ke atas.">Note:
the more difficult economic conditions, both global and regional or
country, we should be more deeply rooted before rising to the top.</span><span title="Jadi, proses mengakumulasi kekayaan selalu dimulai dengan pertanyaan, “bagaimana saya lebih produktif?” sebelum berharap melihat kekayaan itu benar-benar terkumpul.">Thus,
the process of accumulating wealth always starts with the question,
"how can I be more productive?" Before expecting to see that wealth
actually collected. </span><span title="Barangkali kita membutuhkan pendidikan lebih tinggi.">Perhaps we need a higher education. </span><span title="Mungkin kita perlu ikut seminar dan workshop.">Maybe we need to join the seminar and workshop. </span><span title="Barangkali kita membutuhkan peralatan lebih baik, atau mungkin kita harus memperluas jaringan kerja atau network kita.">Maybe we need better equipment, or maybe we should expand our network or the network. </span><span title="Banyak hal praktis yang dapat kita lakukan.">Many practical things we can do.</span><span title="Prinsip kedua: membangun kekayaan dengan sistem ruas sehingga fleksible seperti bambu.">The second principle: building wealth with toll system so flexible like bamboo. </span><span title="Mengakumulasi kekayaan bukan proses sekaligus, di mana kekayaan bisa terkumpul dan mendadak menghilang karena pengaruh perekonomian.">Accumulating wealth is not the time, in which wealth can be accumulated and suddenly disappear because of the economy. </span><span title="Dalam hal ini kita membutuhkan fungsi-fungsi proteksi finansial dalam jangka panjang, seperti asuransi.">In this case we need the financial protection functions in the long term, such as insurance. </span><span title="Ada berbagai macam jenis asuransi, dari asuransi jiwa, asuransi kerugian atau asuransi umum, juga asuransi finansial yang juga disebut hedging.">There
are various types of insurance, life insurance, general insurance or
public insurance, as well as financial insurance also called hedging.</span><span title="Semua proteksi itu berfungsi seperti ruas dalam batang bambu, yang menjadi penopang kekuatan sehingga bambu bisa melengkung saat diterpa angin badai, lalu kembali lagi ke posisi semula.">All
it serves as protection in the segment of bamboo, which is a pillar of
strength that bamboo can bend when the wind storm, then back again to
its original position. </span><span title="Dalam prakteknya, prinsip ini membuat kekayaan yang terkumpul memiliki nilai yang pasti di masa yang akan datang.">In practice, this principle makes the accumulated wealth has a definite value in the future. </span><span title="Misalnya, hari ini kita hidup dengan kekayaan bersih 10 juta rupiah; kita membuat kontrak yang memastikan saat kita pensiun, kita mempunyai 10 juta rupiah.">For
example, today we live with a net worth of 10 million dollars; contract
that ensures we make when we retire, we have 10 million dollars. </span><span title="Dengan berjalannya waktu, ketika kita telah mempunyai kekayaan bersih 100 juta rupiah, kita membuat kontrak yang memastikan nilai sebesar 100 juta – yaitu menambahkan 90 juta pada dana pensiun.">With
the passage of time, when we have had a net worth of 100 million
dollars, we make sure the contract value of 100 million - that is adding
90 million to the pension fund.</span><span title="Akumulasi kekayaan tidak menunggu waktu, dilakukan dengan teratur dalam jangka panjang sepanjang waktu produktif kita dengan peningkatan.">The
accumulation of wealth is not a matter of time, done regularly over the
long term along with an increase in our productive time. </span><span title="Kita perlu membangun suatu kebiasaan untuk lebih dahulu menyisihkan pendapatan ke dalam akumulasi kekayaan, yang bisa terdiversifikasi antara premi asuransi, investasi, dan tabungan untuk berjaga-jaga.">We
need to build a custom to advance their earnings to the accumulation of
wealth, which can be diversified between insurance premiums,
investment, and savings just in case. </span><span title="Selama kita mendapatkan penghasilan, selama itu pula kita mengakumulasikan kekayaan.">As long as we make money, as long as it did we accumulate wealth.</span><span title="Asuransi menjadi sarana yang baik untuk mengakumulasi kekayaan, karena klaim asuransi termasuk penghasilan yang tidak termasuk objek pajak.">Insurance being a good means to accumulate wealth, because insurance claims including income taxes excluding objects. </span><span title="Dengan demikian, pada saat dana pensiun dapat diterima, nilainya tidak dikurangi pajak.">Thus, at the time of retirement is acceptable, the value is not net of taxes. </span><span title="Untuk itu kita perlu jeli mengambil asuransi dana pensiun yang pasti, dari perusahaan yang dapat dipercaya mengelola keuangan yang sehat dalam jangka panjang.">For
that we need to be observant to insure pensions for sure, from a
company that can be trusted to manage finances healthy in the long run.</span><span title="Pada akhirnya, akumulasi kekayaan merupakan bagian dari kebiasaan, bukan proyek jangka pendek yang tergantung pada perasaan atau keinginan sesaat.">In the end, the accumulation of wealth is part of the habit, not a short term project that depends on feelings or whims. </span><span title="Sekali lagi, seluruhnya berangkat dari kepedulian kita akan masa depan kehidupan kita; pertama agar kita tidak menjadi beban bagi orang lain, kedua agar kita bisa meneruskan kesejahteraan yang Tuhan berikan kepada orang-orang di sekitar kita.">Once
again, all departing from our concern for the future of our lives:
first that we do not become a burden to others, both so that we can
continue the prosperity that God gives to the people around us. </span><span title="Itulah yang disebut menjadi saluran berkat Tuhan.">That is called a channel of God's blessings.</span><span title="Mengatur Pengeluaran dan Pemasukan"> </span></span><br />
<br />
<span class="" id="result_box" lang="en"><span title="Mengatur Pengeluaran dan Pemasukan">Setting Spending and Revenue</span></span><br />
<span class="" id="result_box" lang="en"><span title="Pada prakteknya, melaksanakan prinsip bambu bermuara pada mengatur pengeluaran dan pemasukan.">In practice, implementing the principle of bamboo comes down to adjust expenditures and revenues. </span><span title="Sangat penting untuk mengingat bahwa akumulasi kekayaan pada dasarnya adalah cara mengatur pengeluaran dan pemasukan, bukan menumpuk harta.">It
is important to remember that the accumulation of wealth is basically a
way to set spending and revenue, not to accumulate wealth. </span><span title="Ini bukan suatu perlombaan kekayaan, seperti adu gengsi dan kemewahan yang menjadi dasar materialisme.">This is not a race of wealth, prestige and luxury of such a penalty which the materialism.</span><span title="Sebaliknya, pokoknya adalah pengendalian diri, sabar, hemat, mencukupi diri.">Instead, base the self-control, patience, thrift, self sufficient. </span><span title="Tidak ada orang yang mengakumulasi kekayaan dengan cara memamerkan kekayaan atau menginginkan lebih dari produktivitasnya sendiri.">No one who accumulate wealth by showing off wealth or want more than productivity alone. </span><span title="Dalam praktek, hal ini berarti tidak terus menerus mengganti HP mengikuti trend terbaru.">In practice, this means not continuously replace HP following the latest trend. </span><span title="Tidak membeli setiap pasang sepatu yang kelihatan bagus.">Do not buy any pair of shoes that look good. </span><span title="Tidak memaksa diri mencicil televisi LCD karena barang itu keliatan canggih dan bisa dipamerkan.">Do not force yourself installments LCD televisions because of the advanced stuff plasticity and can be exhibited.</span><span title="Kita perlu ingat, tujuan akumulasi kekayaan adalah memenuhi kebutuhan masa depan yang meningkat dua kali lipat, terutama di negara berkembang, dalam periode yang lebih pendek.">We
need to remember, the purpose of the accumulation of wealth is to meet
the needs of the future that has doubled, especially in developing
countries, in a shorter period. </span><span title="Jika di negara maju inflasi rata-rata hanya separuh dari negara berkembang, maka waktu yang dibutuhkan untuk jadi dobel adalah dua kali lipat lebih panjang.">If
inflation in developed countries average only half of the developing
world, the time it takes to become a double is twice as long.</span><span title="Jika masih ada yang merasa 'salah' atau 'berdosa' dengan mengakumulasi kekayaan, ingatlah bawha akumulasi kekayaan dimulai dengan tanggung jawab menghadapi realita dan berusaha lebih produktif – memberi lebih banyak.">If
there are any who feel 'wrong' or 'sinful' by accumulating wealth,
wealth accumulation bawha remember starting with responsibilities facing
reality and trying to be more productive - to give more. </span><span title="Dibutuhkan keyakinan iman bahwa Tuhan menginginkan kita mengerjakan pekerjaan baik yang dipersiapkan-Nya, termasuk menyediakan apa yang dibutuhkan oleh orang-orang di sekitar kita baik di masa kini maupun masa yang akan datang.">It
takes faith belief that God wants us to do the good work that prepared
him, including providing what is needed by the people around us both in
the present and the future. </span><span title="Ingatlah pula bahwa jika kita tahu bagaimana kita harus berbuat baik, tetapi kita tidak melakukannya, maka kita berdosa karena kelalaian kita.">Remember also that if we know how we should do well, but we do not, then we sin because we neglect.</span><span title="Kemakmuran Bersama"> </span></span><br />
<br />
<span class="" id="result_box" lang="en"><span title="Kemakmuran Bersama">Shared Prosperity</span></span><br />
<span class="" id="result_box" lang="en"><span title="Melakukan akumulasi kekayaan seharusnya menjadi pola yang berkembang dalam diri setiap anggota masyarakat.">Doing the accumulation of wealth should be a pattern developing in every member of the community. </span><span title="Sejarah membuktikan bahwa masyarakat yang makmur hanya terjadi ketika setiap anggotanya mengakumulasi kekayaan.">History proves that societies prosper only happens when each of its members to accumulate wealth. </span><span title="Kemakmuran bukan hasil dari pekerjaan suatu organisasi atau pemerintahan, terpisah dari kemampuan masyarakat.">Prosperity is not the result of the work of an organization or government, apart from the ability of the community. </span><span title="Jika rakyat Indonesia ingin menjadi makmur dan sejahtera, setiap dari kita harus mengakumulasi kekayaan.">If the people of Indonesia to become prosperous and well-being, each of us should be accumulate wealth. </span><span title="Pemerintah hanya memfasilitasi dan menjaga ketertiban serta keadilan, agar kita semua dapat memaksimalkan daya upaya kita.">The government would only facilitate and maintain order and justice, so that we can all maximize our efforts.</span><span title="Di dalam masyarakat, akumulasi kekayaan BUKAN memindahkan kekayaan – ambil harta orang lain menjadi harta milik sendiri.">In society, the accumulation of wealth is NOT transferring wealth - take someone else's property into their own property. </span><span title="Orang bisa saja menjadi kaya dengan cepat melalui judi, atau melalui menang lotere, tetapi sebenarnya ia kaya di atas banyak orang yang menjadi miskin.">People
can become rich quickly by gambling, or by winning the lottery, but in
fact it is rich in the more people are becoming poor. </span><span title="Sayangnya, masih banyak orang yang lebih menyukai kaya dengan cepat dan mendadak, jadi masih banyak yang suka lotere, bahkan juga mencari kuasa gelap untuk mendatangkan kekayaan.">Unfortunately,
there are still many people who prefer to get rich quickly and
suddenly, so there are many who like the lottery, even seeking the power
of darkness to bring wealth.</span><span title="Tidak ada hal yang dapat menggantikan usaha dan kerja keras yang tekun dan jujur.">Nothing can replace hard work and efforts, diligent and honest. </span><span title="Sebaliknya, perilaku-perilaku saling mencuri dapat menghancurkan semangat untuk melakukan pekerjaan yang baik.">In contrast, each stealing behaviors can destroy the spirit to do a good job. </span><span title="Tetapi, jika kita semua saling mencuri satu sama lain, siapakah yang benar-benar mau berproduksi dan memberikan hasil yang positif?">However, if we are all stealing from each other, who really want to produce and deliver positive results? </span><span title="Kalau kita mengakumulasi kekayaan, hanya untuk dihabiskan oleh orang-orang yang meminta-minta, bukankah kita dari semula tidak ingin mengakumulasi kekayaan?">If we accumulate wealth, only to be consumed by people who beg, do not we from the beginning did not want to accumulate wealth?</span><span title="Karena itu, kita perlu mengerti tentang cara bagaimana kita hendak mengakumulasi kekayaan.">Therefore, we need to understand how we want to accumulate wealth. </span><span title="Ada beberapa cara yang dapat kita pelajari.">There are several ways that we can learn.</span><span title="Jenis akumulasi nomor 1: pengembangan lingkungan tempat tinggal, menaikkan nilai rumah tempat tinggal / real estate.">Type accumulated number 1: the development of the neighborhood, raise the value of homes / real estate. </span><span title="Sementara jumlah orang bertambah, luas tanah tidak dapat ditambah.">While the number of people increases, land can not be added. </span><span title="Di area yang bertumbuh dengan baik, kenaikan nilai tempat tinggal merupakan suatu kepastian.">In the area that is growing well, the increase in value place to stay is a certainty. </span><span title="Namun, tentunya ada syarat usaha kita untuk menjaga lingkungan serta meningkatkannya.">But, of course, there is requirement of our efforts to protect the environment and improve it.</span><span title="Sayangnya, tidak semua syarat terpenuhi.">Unfortunately, not all conditions are met. </span><span title="Beberapa perumahan dibangun tanpa perencanaan lingkungan yang memadai, sehingga sebaliknya dari bertambah, justru nilai kekayaan menurun di sana.">Some
housing built without adequate environmental planning, so that instead
of increasing, it decreases the value of the wealth there. </span><span title="Ada juga yang menjadi lokasi bencana.">There is also the scene of the disaster. </span><span title="Kita lihat akumulasi kekayaan tidak semata-mata mengumpulkan dalam nilai rupiah, tetapi juga dengan memelihara dan menjaga.">We see the accumulation of wealth is not merely gather in the exchange rate, but also to maintain and protect.</span><span title="Akumulasi nomor 2: dalam mengembangkan usaha dan permodalan yang terukur / tangibledan bersama-sama sukses.">Accumulated number 2: in developing a scalable business and capital / tangibledan together successfully. </span><span title="Demikianlah kita membangun usaha yang sehat sebagai akumulasi kekayaan, baik yang kita lakukan sendiri atau mungkin kita memberi modal kepada orang lain.">Thus we build a healthy business as the accumulation of wealth, whether we do ourselves or we may provide capital to others. </span><span title="Dalam prakteknya, suatu usaha yang berhasil selalu merupakan hasil kerja bersama yang baik.">In practice, a successful business is always the result of good work together.</span><span title="Sayangnya, tidak banyak orang yang bersedia berbagi secara positif untuk membangun usaha sebagai bentuk akumulasi kekayaan.">Unfortunately, not many people are willing to share in a positive way to build a business as a form of wealth accumulation. </span><span title="Dalam hal ini, memang dibutuhkan kepastian hukum untuk menjaga usaha yang sehat; yang mungkin belum kita dapatkan secara sempurna di negara berkembang.">In this case, the rule of law is needed to maintain a healthy business; might not we get it perfectly in developing countries. </span><span title="Selain itu masih ada banyak hambatan untuk memulai suatu usaha di Indonesia, sesuatu yang kita harapkan akan berubah dalam pemerintahan yang lebih bijaksana.">In
addition, there are many barriers to starting a business in Indonesia,
something that we hope will change in government is more prudent.</span><span title="Akumulasi nomor 3: tidak langsung, melalui investasi di surat berharga.">Accumulated number 3: indirectly, through investments in securities. </span><span title="Secara mendasar, kita dapat menabung dalam deposito untuk jangka pendek, dan obligasi serta saham untuk jangka lebih panjang.">Fundamentally, we can save money in the short-term deposits and bonds as well as stocks for the longer term. </span><span title="Tetapi seiring dengan pertumbuhan kemampuan, kita juga dapat menggunakan instrumen yang lebih rumit seperti transaksi derivatif seperti transaksi berjangka dan opsi.">But
along with the growth of capabilities, we can also use a more complex
instruments such as derivatives such as futures and options
transactions.</span><span title="Bagi banyak orang, justru pilihan ini menjadi pilihan yang lebih mudah dan pasti, karena mempunyai dasar hukum yang sudah kuat serta keterkaitan dengan bursa global, sehingga pengelolaannya lebih profesional.">For
many, it is a choice the easier choice and certainly, because it has a
strong legal basis already and linkages with global markets, making it
more professional management. </span><span title="Masalahnya, untuk dapat mengakumulasi kekayaan dengan pilihan ini, dibutuhkan pengetahuan finansial yang memadai, atau membutuhkan konsultan yang cakap serta dapat dipercaya.">The
problem, to be able to accumulate wealth with this option requires
adequate financial knowledge, or in need of a competent consultant and
trustworthy. </span><span title="Di banyak negara maju, pilihan ini telah menjadi hal yang umum, bahkan ditawarkan secara global sebagai produk-produk off-shore.">In many developed countries, this option has become common, even offered globally as products off-shore. </span><span title="Bagi orang yang menginginkan akumulasi kekayaannya terdiversifikasi ke beragam tempat di seluruh dunia, bisa juga mengambil pilihan ini.">For people who want a diversified wealth accumulation to various places around the world, can also take this option.</span><span title="Sementara usaha-usaha dalam beragam pilihan ini dilakukan, selalu ada resiko terhadap diri kita.">While efforts in a wide selection is done, there is always a risk to ourselves. </span><span title="Dalam perencanaan keuangan yang baik, proteksi atas akumulasi kekayaan dilakukan dengan asuransi, sehingga resiko dialihkan ke pihak lain yaitu perusahaan asuransi.">In
good financial planning, protection of wealth accumulation is done by
insurance, so the risk is transferred to the other parties insurance
company. </span><span title="Demikianlah kita menerapkan prinsip bambu seperti yang telah dibahas, dan memastikan bahwa kita menabung cukup untuk masa depan kita.">Thus, we apply the principle of bamboo as has been discussed, and make sure we save enough for our future.</span></span>Anonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com0tag:blogger.com,1999:blog-216227840691582837.post-15607901896792612152013-01-10T22:06:00.000+07:002013-01-10T22:17:58.335+07:00Anyone Can Be Rich<div style="text-align: justify;">
<span class="long_text" id="result_box" lang="en"><span title="Hari raya atau Lebaran baru saja berlalu, pengeluaran uang dalam jumlah yang besar telah dilakukan.">Eid feast or had just passed, spending large amounts of money have been made. </span><span title="Setelah Lebaran usai, kini saatnya anda melakukan akumulasi kekayaan dengan tujuan agar pertumbuhan aset maksimal atau dengan bahasa sederhana kita membuat diri kita menjadi kaya!">After
Eid is over, now is the time you make the accumulation of wealth in
order for maximum asset growth or with simple language we make ourselves
rich! </span><span title="Anda mau?">You want one?</span></span></div>
<span class="long_text" id="result_box" lang="en"><span title="Anda mau?"><br /></span></span><span class="long_text" id="result_box" lang="en"><span title="Nah artikel berikut ini merupakan salah satu cara yang dapat anda lakukan agar bisa menjadi lebih kaya secara finansial.">So the following article is one way you can do in order to become financially wealthy. </span><span title="Paparan berikut ini jika dilakukan dengan disiplin akan membuat diri anda berpotensi besar menjadi kaya.">The following section if done with discipline to make yourself a great potential to become rich. </span><span title="Ini berlaku bagi siapa saja tanpa memandang besarnya penghasilan perbulannya.">This applies to anyone regardless of the amount of income each month.</span></span><br />
<span class="long_text" id="result_box" lang="en"><span title="Ini berlaku bagi siapa saja tanpa memandang besarnya penghasilan perbulannya."><br /></span></span><span class="long_text" id="result_box" lang="en"><span title="Sekali lagi yang terpenting anda mampu untuk melakukannya secara disiplin terhadap penghasilan anda setiap bulannya, jika tidak disiplin maka dapat dipastikan paparan ini tidak ada manfaatnya bagi pertumbuhan aset anda.">Once
again the most important thing you are able to do so disciplined with
your income every month, if not discipline it is certain exposure there
is no benefit to the growth of your assets. </span><span title="Namun bagi anda yang mampu untuk disiplin secara konsisten maka potensi peningkatan aset keuangan anda sangat besar, marilah kita mulai secara bertahap.">But
for those of you who are able to consistently discipline the potential
increase your financial assets is very large, let us begin gradually.</span></span><br />
<span class="long_text" id="result_box" lang="en"><span title="Namun bagi anda yang mampu untuk disiplin secara konsisten maka potensi peningkatan aset keuangan anda sangat besar, marilah kita mulai secara bertahap."><br /></span><span title="Tahap 1 – Difinisi Kaya">Stage 1 - </span></span><br />
<span class="long_text" id="result_box" lang="en"><span title="Tahap 1 – Difinisi Kaya">Definitively Rich</span><span title="Setiap orang memiliki difinisi yang berbeda terhadap 'Kaya', namun penulis membatasinya dalam memandang kekayaan secara finansial saja, jadi di luar itu penulis tidak membahasnya.">Everyone
has a different definition of 'rich', but I'm limiting it to look at
financial wealth only, so beyond that the author does not discuss it. </span><span title="Bagaimana dengan aset non finansial seperti kendaraan, rumah dan barang-barang lain?, untuk hal itu dipersilahkan untuk melakukan konversi teradap aset non finansial menjadi aset finansial (lakukan valuasi aset tersebut menjadi harga pasar wajar).">What
about non-financial assets such as cars, houses and other items?, For
it is welcome to do the conversion teradap nonfinancial asset into a
financial asset (the asset valuation done a fair market price).</span><span title="Baiklah, kita kembali kepada difinisi kaya: Kaya adalah suatu hasil pertumbuhan dari investasi yang telah dilakukan dan pertumbuhannya berhasil melampaui inflasi dari suatu negara di mana sang investor tersebut menetap.">Well,
we go back to the definition rich: Rich are an outgrowth of the
investment that has been made and its growth surpassed the inflation of a
country in which the investor is settled.</span><span title="Jadi berdasarkan penjelasan diatas maka seseorang tidak akan bertambah kaya jika dia:">So based on the explanation above, a person will not become rich if he:</span><span title="• Tidak melakukan investasi;">• Do not make an investment;</span><span title="• Melakukan investasi tetapi pertumbuhan hasilnya dibawah inflasi.">• Make investment but the results are below inflation growth.</span><span title="Marilah kita melakukan introspeksi secara objektif atas diri kita sendiri, sudahkah kita melakukan?:">Let us introspect objectively upon ourselves whether we have done?:</span><span title="• Investasi baik di sektor riil maupun sektor finansial?;">• Investments in both the real and financial sectors?;</span><span title="• Dalam melakukan investasi apakah kita sudah mengenal karakter profil resiko diri kita sendiri?, apakah kita termasuk dalam golongan konservatif, moderat atau agresif?">•
In conducting investment if we already know the character of the risk
profiles of ourselves?, If we include in the class of conservative,
moderate or aggressive?</span><span title="Demikian pembaca yang bijaksana, hal diatas adalah merupakan koridor pertama yang harus dilalui jika kita ingin merealisasikan pertumbuhan aset finansial secara signifikan.">Such
a thoughtful reader, the above is a first corridor to be followed if we
want to realize significant growth in financial assets. </span><span title="Untuk melakukannya wajib ada pengorbanan dari sisi keuangan.">To do so required no sacrifice from the financial side. </span><span title="Pemasukan anda dibelanjakan dengan ketat demi masa depan keuangan yang lebih baik (bukankah anda ingin kaya kelak?).">Your income is spent strictly for the financial future better (do not you want to be rich someday?).</span></span><br />
<br />
<span class="long_text" id="result_box" lang="en"><span title="Uang anda hanya untuk memenuhi kebutuhan rutin dan bukan keinginan rutin, sekali lagi bukan keinginan sehingga terjadi efisiensi minimal sebesar 10 persen dari pendapatan anda setiap bulannya.">Your
money just to meet daily needs and not wants routine, again not a
desire resulting minimum efficiency of 10 percent of your income each
month. </span><span title="Dengan kalimat sederhana, pendapatan yang dapat digunakan hanya sebesar 90 persen.">In simplified terms, the revenue may be used only by 90 percent.</span></span><br />
<span class="long_text" id="result_box" lang="en"><span title="Dengan kalimat sederhana, pendapatan yang dapat digunakan hanya sebesar 90 persen."><br /></span><span title="Tahap 2 – Lakukan Investasi Bukan Spekulasi">Stage 2 - </span></span><br />
<span class="long_text" id="result_box" lang="en"><span title="Tahap 2 – Lakukan Investasi Bukan Spekulasi">Invests Not Speculation</span><span title="Setelah kita sisihkan minimal 10 persen dari pendapatan maka langsung investasikan dana tersebut.">Once we set aside at least 10 percent of the revenue the company invests the funds. </span><span title="Sesungguhnya ada batasan tipis antara investasi dan spekulasi, begitu tipisnya 'benang' ini sehingga sering kali seseorang tidak menyadari bahwa ia sedang terjerumus dalam spekulasi.">Indeed,
there is a thin boundary between investment and speculation, so the
thinness 'thread' is so often a person does not realize that he was
mired in speculation.</span></span><br />
<span class="long_text" id="result_box" lang="en"><span title="Sesungguhnya ada batasan tipis antara investasi dan spekulasi, begitu tipisnya 'benang' ini sehingga sering kali seseorang tidak menyadari bahwa ia sedang terjerumus dalam spekulasi."><br /></span><span title="Untuk menghidarinya, berikut ini bisa dijadikan rambu atau pedoman agar kita tidak terjerumus dalam jurang 'spekulasi'.">For menghidarinya, these can be signs or guidelines that we should not fall into the abyss 'speculation'. </span><span title="Dalam melakukan investasi di sektor finansial seseorang wajib untuk:">In the financial sector to invest in a person is obliged to:</span></span><br />
<br />
<span class="long_text" id="result_box" lang="en"><span title="• Menentukan jangka waktu investasi yakni:">• Determine the investment period:</span></span><br />
<span class="long_text" id="result_box" lang="en"><span title="o Jangka pendek <=1 tahun, potensi hasil investasi rendah;">o Short term <= 1 year, the potential return on investment is low;</span><span title="o Jangka menegah 1 <= 3 tahun, potensi hasil investasi sedang;">medium term </span></span><br />
<span class="long_text" id="result_box" lang="en"><span title="o Jangka menegah 1 <= 3 tahun, potensi hasil investasi sedang;">o 1 <= 3 years, the potential return on investment being;</span><span title="o Jangka panjang > 3 tahun, potensi hasil investasi tinggi."> </span></span><br />
<span class="long_text" id="result_box" lang="en"><span title="o Jangka panjang > 3 tahun, potensi hasil investasi tinggi.">o Long-term> 3 years, the potential for high investment returns.</span></span><br />
<span class="long_text" id="result_box" lang="en"><span title="o Jangka panjang > 3 tahun, potensi hasil investasi tinggi."><br /></span><span title="Untuk menentukan jangka waktu cukup dengan mengetahui tujuan investasinya, misal investasi untuk pendidikan tinggi anak (usia saat ini 12 tahun), maka dana pendidikan tersebut diperlukan 6 tahun dari sekarang, berarti investasi yang dilakukan jangka panjang, dan lain sebagainya.">To
determine the length of time sufficient to know the purpose of
investment, ie investment in higher education children (currently 12
years), the funding of such education is 6 years from now, the long-term
investments made, and so forth.</span></span><br />
<span class="long_text" id="result_box" lang="en"><span title="Untuk menentukan jangka waktu cukup dengan mengetahui tujuan investasinya, misal investasi untuk pendidikan tinggi anak (usia saat ini 12 tahun), maka dana pendidikan tersebut diperlukan 6 tahun dari sekarang, berarti investasi yang dilakukan jangka panjang, dan lain sebagainya."><br /></span><span title="Sebagai catatan penting:">As an important note:</span></span><br />
<br />
<span class="long_text" id="result_box" lang="en"><span title="o Potensi hasil investasi bukan merupakan jaminan, maksudnya adalah hasil investasi dapat berada diatas ataupun dibawah dari hasil yang direncanakan;">* The potential return on investment is not a guarantee, that is the
return on investment may be above or below the intended results;</span><span title="o Investasi bisa mengalami pertumbuhan yang besar, sedang maupun kecil bahkan tidak mustahil dapat mengalami kerugian, investasi sangat berhubungan dengan resiko."> </span></span><br />
<br />
<span class="long_text" id="result_box" lang="en"><span title="o Investasi bisa mengalami pertumbuhan yang besar, sedang maupun kecil bahkan tidak mustahil dapat mengalami kerugian, investasi sangat berhubungan dengan resiko.">* Investment may experience large growth, small medium and even
impossible to experience losses, the investment is associated with risk.
</span><span title="Nah untuk mengeliminir resiko kerugian maka penentuan jangka waktu investasi menjadi sangat wajib;">So to eliminate the risk of loss then the determination of the investment period became very obligatory;</span><span title="o Jika ada investasi yang menjanjikan tingkat imbal hasil secara fix atau tetap maka berhati-hatilah, biasanya iming-iming pengembalian yang sangat luar biasa besar setiap bulannya (agar menarik calon investor)."> </span></span><br />
<br />
<span class="long_text" id="result_box" lang="en"><span title="o Jika ada investasi yang menjanjikan tingkat imbal hasil secara fix atau tetap maka berhati-hatilah, biasanya iming-iming pengembalian yang sangat luar biasa besar setiap bulannya (agar menarik calon investor).">* If there is a promising investment rate of return is fixed or permanent
so be careful, usually lure of extraordinary returns bigger every month
(in order to attract potential investors). </span><span title="Untuk diketahui bahwa investasi dimanapun tidak bisa menjanjikan tingkat pengembalian yang tetap, mengapa?, karena investasi berkorelasi langsung dengan resiko.">Please
be aware that wherever investment can not promise a fixed rate of
return, why?, Because the investment was directly correlated with the
risk. </span><span title="Jadi semakin besar potensi tingkat pengembalian maka semakin besar pula potensi resikonya.">So the greater the potential return, the greater the potential risk.</span></span><br />
<br />
<span class="long_text" id="result_box" lang="en"><span title="Berdasarkan data biasanya investasi yang seperti ini dapat dengan cepat menggerus modal anda hingga habis, ludes.">Based on data usually investment like this can quickly erode your capital depleted, exhausted.</span></span><br />
<span class="long_text" id="result_box" lang="en"><span title="Berdasarkan data biasanya investasi yang seperti ini dapat dengan cepat menggerus modal anda hingga habis, ludes."><br /></span><span title="• Alokasikan uang anda pada kendaraan yang tepat">• Allocate your money on the right vehicle</span><span title="Berbicara investasi di sektor finansial maka berdasarkan hasil riset secara empiris bahwa alokasi aset memegang peranan terbesar (sekitar 90 persen) dalam hal pertumbuhan hasil investasi, sisanya adalah rumor (kabar angin) dan momentum (saat masuk dan keluar investasi), nah kalau hasil riset investasi">Speaking
of investment in the financial sector based on the results of empirical
research that asset allocation plays the largest (about 90 percent) in
terms of the growth of the investment, the rest are rumors (rumors) and
momentum (in and out of investment), well, if the research investment </span><span title="di sektor finansial sudah membuktikan demikian maka saatnya kita memilih kendaraan yang tepat untuk investasi kita.">in the financial sector have shown us so it's time to choose the right vehicle for our investment.</span></span><br />
<span class="long_text" id="result_box" lang="en"><span title="di sektor finansial sudah membuktikan demikian maka saatnya kita memilih kendaraan yang tepat untuk investasi kita.">Read more <a href="http://adf.ly/H9fmS" target="_blank">Here </a>Kompas</span></span>Anonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com1tag:blogger.com,1999:blog-216227840691582837.post-37233216191728337732013-01-06T23:23:00.002+07:002013-01-06T23:29:03.939+07:00How To Use The Most Effective Automated SMS<a href="https://encrypted-tbn2.gstatic.com/images?q=tbn:ANd9GcQdTXIJxqGjJuGlqNGstLNrFAMEDGxVztyes-a9BhDWL3m_K1pSmCx4surg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" border="0" class="rg_hi uh_hi" data-height="179" data-width="180" height="179" id="rg_hi" src="https://encrypted-tbn2.gstatic.com/images?q=tbn:ANd9GcQdTXIJxqGjJuGlqNGstLNrFAMEDGxVztyes-a9BhDWL3m_K1pSmCx4surg" style="height: 179px; width: 180px;" width="180" /></a><span class="" id="result_box" lang="en"><span title="SMS adalah teknologi yang memungkinkan kita untuk menyampaikan pesan secara langsung kepada orang yang kita tuju.">SMS is a technology that allows us to deliver the message directly to the people we are headed. </span><span title="Tidak seperti papan reklame di jalan, misalnya, SMS bersifat langsung pada sasaran dan personal.">Not like a billboard on the street, for example, SMS is straightforward and personal. </span><span title="Berbagai fitur pada smsOtomatis dirancang untuk membantu hal tersebut.">Various features of the smsOtomatis designed to help it. </span><span title="Itulah “kepribadian” smsOtomatis sebagai sebuah produk teknologi informasi.">That is the "personality" smsOtomatis as an information technology products.</span></span><br />
<span style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;" title="Itulah “kepribadian” smsOtomatis sebagai sebuah produk teknologi informasi."></span><span class="" id="result_box" lang="en"><span title="Tentu kami sadar bahwa pada prakteknya kami tidak dapat mencegah orang untuk menggunakan smsOtomatis dengan caranya masing-masing.">Of course we are aware that in practice we can not prevent people from using smsOtomatis with their own way. </span><span title="smsOtomatis dirancang dengan pertimbangan : bagaimana membuat program aplikasi yang bermanfaat untuk komunikasi 2 arah dengan orang yang sudah kita kenal.">smsOtomatis
designed with consideration: how to make the program useful
applications for 2-way communication with the people we already know. </span><span title="Ya betul, orang yang sudah kita kenal : pelanggan kita, klien kita, anggota komunitas kita, sahabat kita, pendeknya : orang-orang yang ada hubungan dengan kita.">Oh
well, people we already know: our customers, our clients, our community
members, our friends, in short: people who no relationship with us.</span><span title="Untuk itu melalui tips-tips berikut ini kami ingin mencoba membantu mengarahkan pemakaian smsOtomatis sebagaimana mestinya.">For it is through the following tips we want to try to help steer smsOtomatis usage accordingly.</span><span title="1."> </span></span><br />
<br />
<br />
<span class="" id="result_box" lang="en"><span title="1.">1. </span><span title="Buatlah sahabat memberikan nomornya secara sukarela.">Make a friend gave her number voluntarily.</span><span title="Daftar sahabat tidak didapat dengan cara membeli daftar nomor HP di internet (atau di counter isi ulang pulsa).">List of friends can not be obtained by purchasing a list of mobile numbers on the internet (or reload counter). </span><span title="Mintalah nomor dengan cara yang baik, dan katakan, “Supaya bisa kami kabari kalau ada informasi terbaru.” Pastikan ijin dari sahabat yang akan kita SMS.">Have
the numbers in a good way, and say, "So that we can let you know if
there is new information." Ensure permit of friends we'll SMS.</span><span title="2."> </span></span><br />
<br />
<span class="" id="result_box" lang="en"><span title="2.">2. </span><span title="Beritahu nomor kita kepada sahabat.">Tell us the number to friends.</span><span title="Beritahu nomor yang kita gunakan sebelum kita mengirim SMS.">Notify numbers we use before we send SMS. </span><span title="Katakan, “Ini nomor SMS hotline kami, harap disimpan.">Say, "This SMS hotline number, please be stored. </span><span title="Kalau ada informasi akan kami SMS melalui nomor tersebut.">If there is information going through our SMS number. </span><span title="Anda juga bisa meng-SMS kami di nomor tersebut.”">You could also SMS us at the number. "</span><span title="Cantumkan nomor tersebut pada kartu nama kita maupun material publikasi yang lain.">Embed number on our business cards and other publication materials. </span><span title="Pada saat menerima SMS kita orang tidak curiga atau berpikiran negatif, karena dia sudah tahu nomor kita.">On receipt of SMS we are not suspicious or negative thinking, because he knew our numbers.</span><span title="Satu hal lagi, kita beritahu pada sahabat bahwa SMS yang kita kirimkan adalah SMS biasa, jadi tidak makan pulsa penerima seperti halnya SMS Premium.">One more thing, we tell the friend that SMS SMS we send is unusual, so do not eat pulses as Premium SMS recipients.</span><span title="3."> </span></span><br />
<br />
<span class="" id="result_box" lang="en"><span title="3.">3. </span><span title="Hindari mengganti nomor.">Avoid changing numbers.</span><span title="Gonta-ganti nomor adalah hal yang menyebalkan dari sisi penerima SMS.">Mutually number is a bitch from the SMS receiver. </span><span title="Bahkan sebagian orang dalam dunia bisnis menganggap sering ganti nomor adalah tanda tidak bonafid.">Even some people in the business world is often considered a sign of changing numbers is not bona fide. </span><span title="Hindari ganti nomor kecuali kalau nomor kita hilang atau hangus.">Avoid changing your number unless the number is missing or burnt.</span><span title="Evaluasi terlebih dahulu operator GSM yang hendak Anda gunakan.">Evaluation first GSM operator you wish to use. </span><span title="Bukan hanya dari sisi biaya, namun juga dari sisi kinerja.">Not only in terms of cost but also in terms of performance. </span><span title="Harap diperhatikan bahwa kinerja operator yagn sama bisa bervariasi pada tempat dan waktu yang berbeda.">Please note that use within the same operator performance can vary in different times and places. </span><span title="Make a choice then stick with it.">Make a choice then stick with it.</span><span title="4."> </span></span><br />
<br />
<span class="" id="result_box" lang="en"><span title="4.">4. </span><span title="Jangan langsung (dan melulu) menjual.">Do not directly (and exclusively) to sell.</span><span title="Ada sebuah cerita tentang seorang pemuda yang “nembak” gadis yang ditaksirnya dengan kata-kata :">There is a story about a young man who "shoot" girl crush with the words:</span><span title="“Hai adek, abang cinta sama kau.">"Hi adek, brothers in love with you. </span><span title="Ada pertanyaan?” (ucapkan dengan logat Sumatera Utara)">Are there any questions? "(Pronounce the dialect of North Sumatra)</span><span title="Sangat to the point, dan menurut cerita pemuda itu berhasil.">Very to the point, and according to the young man succeed. </span><span title="Tetapi kenyataannya tidak selalu demikian dalam dunia bisnis.">But reality is not always the case in the business world. </span><span title="Jika Anda menggunakan smsOtomatis untuk keperluan bisnis retail misalnya, cobalah sesekali kirim SMS seperti ini kepada sahabat: “Slmt pagi Pak Bambang, smoga dlm keadaan sehat.">If
you are using smsOtomatis for retail business purposes, for example,
try to occasionally send SMS like this to his friend: "Slmt morning Pak
Bambang, smoga in high feather. </span><span title="Skdar mengingatkan sj, ini nmr SMS hotline kami.">Skdar remind sj, is nmr SMS hotline. </span><span title="Silahkan SMS jk ada yg dpt kami bantu.">Please SMS interchangeable jk there we help. </span><span title="Thx.”">Thx. "</span><span title="5."> </span></span><br />
<br />
<span class="" id="result_box" lang="en"><span title="5.">5. </span><span title="Balaslah SMS yang diterima.">Reciprocate SMS received.</span><span title="SMS yang dikirimkan dengan smsOtomatis adalah SMS biasa yang tentunya bisa dibalas.">SMS sent by ordinary SMS smsOtomatis is the course can be returned. </span><span title="Jangan segan untuk membalas SMS dari sahabat, karena komunikasi 2 arah itu sangat bermanfaat.">Do not hesitate to reply to SMS messages from friends, for 2-way communication was very useful. </span><span title="Jangan mengacuhkan orang jika kita tidak ingin diacuhkan.">Do not ignore people if we do not want to be ignored.</span></span><br />
<br />
<div style="text-align: center;">
<span class="" id="result_box" lang="en"><span title="Jangan mengacuhkan orang jika kita tidak ingin diacuhkan."> </span></span><a href="http://adf.ly/Gz0T7" target="_blank"><img alt="" class="rg_hi uh_hi" data-height="200" data-width="253" height="200" id="rg_hi" src="https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcQ7WN5-LyeOxrxuvLOb0SoOAEg2eXQ5TC2HSt3HIw15wht2PHS9" style="height: 200px; width: 253px;" width="253" /></a></div>
Anonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com0tag:blogger.com,1999:blog-216227840691582837.post-107618739078694292013-01-05T10:30:00.000+07:002013-01-05T10:30:20.675+07:00Touch the sky with InstaForex!<span class="" id="result_box" lang="en"><span class="hps">Today</span> <span class="hps">InstaForex</span> <span class="hps">Company</span> <span class="hps">provides</span> <span class="hps">the best trading conditions</span> <span class="hps">for</span> <span class="hps">each</span> <span class="hps">partner</span> <span class="hps">and</span> <span class="hps">provide the opportunity</span> <span class="hps">to</span> <span class="hps">be able to get</span> <span class="hps">profit</span> <span class="hps">with representatives</span> <span class="hps">from all over the</span> <span class="hps">world</span><span>.</span> <span class="hps">We offer</span> <span class="hps">rewards to</span> <span class="hps">our</span> <span class="hps">partners</span> <span class="hps">and</span> <span class="hps">provide opportunities</span> <span class="hps">for growth</span> <span class="hps">based</span> <span class="hps">on</span> <span class="hps">the They</span> <span class="hps">have</span> <span class="hps">the resources</span> <span class="hps">at this time</span><span>.</span><br /><br /><span class="hps">Profit</span> <span class="hps">partner</span> <span class="hps">is a priority</span> <span class="hps">of the</span> <span class="hps">company</span> <span class="hps atn">'</span><span>s</span> <span class="hps">because only</span> <span class="hps">a strong</span> <span class="hps">partner</span> <span class="hps">who can</span> <span class="hps">promote</span> <span class="hps">our company</span><span>.</span> <span class="hps">We always</span> <span class="hps">maintain relationships</span> <span class="hps">with our partners</span> <span class="hps">and</span> <span class="hps">are always</span> <span class="hps">ready to</span> <span class="hps">help everyone</span> <span class="hps">who needs</span> <span class="hps">us</span><span>.</span> <span class="hps">To improve</span> <span class="hps">work efficiency</span><span>, we created</span> <span class="hps">a special</span> <span class="hps">section</span> <span class="hps">for</span> <span class="hps">our partner to</span> <span class="hps">be able to get</span> <span class="hps">answers to</span> <span class="hps">the following</span> <span class="hps">questions</span><span>:</span><br /><br /> <span class="hps">Why</span> <span class="hps">choose</span> <span class="hps">InstaForex</span> <span class="hps">partner</span><br /> <span class="hps">Any</span> <span class="hps">way</span> <span class="hps">to be able to</span> <span class="hps">work with</span> <span class="hps">companies</span><br /> <span class="hps">What is offered</span> <span class="hps">to the</span> <span class="hps">partners</span> <span class="hps">for their</span> <span class="hps">work</span><br /> <span class="hps">Commission of</span> <span class="hps">0.1</span> <span class="hps">pip</span> <span class="hps">charged</span> <span class="hps">by the</span> <span class="hps">partner</span> <span class="hps">for</span> <span class="hps">any</span> <span class="hps">transaction</span> <span class="hps">from</span> <span class="hps">their</span> <span class="hps">subpartner</span></span><br />
<br />
<span class="" id="result_box" lang="en"><span class="hps"></span></span><span class="" id="result_box" lang="en"><span class="hps">In 2011</span><span>,</span> <span class="hps">net</span> <span class="hps">profit</span> <span class="hps">per month from</span> <span class="hps">at least 15</span> <span class="hps">representative offices</span> <span class="hps">reached</span> <span class="hps">$ 500,000</span><span class="">.</span> <span class="hps">Currently more</span> <span class="hps">than</span> <span class="hps">one hundred</span> <span class="hps">offices</span> <span class="hps">and thousands of</span> <span class="hps">online</span> <span class="hps">collaboration</span> <span class="hps">partner</span> <span class="hps">with InstaForex</span><span>.</span> <span class="hps">You</span> <span class="hps">could</span> <span class="hps">be one</span> <span class="hps">of them!</span> <span class="hps">Learn</span> <span class="hps">how you</span> <span class="hps">can make a profit</span> <span class="hps">with</span> <span class="hps">InstaForex</span> <span class="hps">and</span> <span class="hps">select one</span> <span class="hps">of the</span> <span class="hps">8 types of</span> <span class="hps">coo</span></span><br />
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<span class="" id="result_box" lang="en"><span class="hps">peration.</span> <span class="hps">Manage</span> <span class="hps">your</span> <span class="hps">money</span> <span class="hps">right now!</span></span><br />
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Anonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com0tag:blogger.com,1999:blog-216227840691582837.post-50365082056136108032012-12-30T21:24:00.001+07:002012-12-30T21:24:22.067+07:00How to Avoid Credit Card Theft During the HolidaysBlack Friday. Cyber Monday. Doorbusters. Early-bird sales.
Chances are you’ve been to a few of your favorite stores — online or
brick-and-mortar — since the big holiday shopping season kicked off.
And whether you’re still trying to track down a few “must-have” items on
your list or looking for deals on fun extras, chances are good that
you’ll hit the stores a few more times before it’s all over.<br />
<br />
As you wrap up your shopping this year, I’d like to remind you that
while the holiday season is a time for giving, it’s also a time when
scammers and identity thieves step up their efforts to steal credit card
information.<br />
<br />
That’s why I’m sharing a few of my favorite tips for enjoying safe
holiday shopping. Follow these tips, and the only thing you’ll have to
worry about is remembering to ask for a gift receipt.<br />
<br />
Here are seven easy ways to make sure that your credit card information stays where it belongs this holiday season:<br />
<br />
<ol start="1">
<li><strong>Use one card for everything.</strong> If you plan on using
credit cards this year, try to use the same card for every purchase.
There are a few good reasons for this: First of all, using one card
makes it very easy to track and review your holiday spending. And
second of all, using one card means that if your credit card information
is stolen, you only have to worry about canceling one account.</li>
</ol>
<br />
And speaking of using one card . . .<br />
<br />
<ol start="2">
<li><strong>Don’t carry all of your credit cards with you.</strong> The
more cards you carry in your wallet or purse, the more you stand to
lose if said wallet or purse falls into the wrong hands. Before you
head to the mall, choose one debit or credit card to take along. Leave
everything else at home. This is also a great way to ensure that you
don’t overspend.</li>
</ol>
<br />
<ol start="3">
<li><strong>Don’t leave blank spaces on receipts.</strong> When you pay
with a credit card, some stores (think restaurants and salons) will
give you a receipt that has blank spaces for a tip and a total. Fill
these sections out and sign the receipt – never leave these sections
blank.</li>
</ol>
<br />
<ol start="4">
<li><strong>Keep your card in your wallet.</strong> You’re standing in a
super-long checkout line at a department store, and you decide to
“prepare” for your turn at the register by getting out your credit
card. Good idea, right? Not so fast. While you’re waiting in line
with your card out, anyone standing near you can see your name and
account number. And that means that anyone could try to memorize, write
down, or even sneak a photo of your card. Keep your card in your
wallet until you get to the checkout. Put it away as soon as you’ve
swiped it.</li>
</ol>
<br />
<ol start="5">
<li><strong>If you’re shopping online, look for security features.</strong>
Online shopping is a great alternative to fighting the crowds for the
year’s hot toys and gadgets. You can find almost anything online, and
you don’t have to get up at five in the morning or worry about finding a
parking spot. Online shopping is fairly safe, too, as long as you
check to make sure you’re shopping on a secure site.</li>
</ol>
<br />
There are a few security features to look for when shopping online,
such as a little padlock icon and an “s” at the end of “https” in a
website’s URL. You shouldn’t have anything to worry about if you make
purchases from large, reputable online retailers (think Amazon.com) or
online versions of big-box and/or department stores (think Best Buy,
Target, Walmart). You should be a little more careful when making
purchases from less-familiar sites. If you’ve never heard of the site,
do a little research first. Look for security features. Don’t enter
your credit card information if you don’t feel completely at ease.<br />
<br />
<ol start="6">
<li><strong>Update your Internet security and passwords. </strong>If
you plan to do any online shopping before the holiday season ends, make
sure that your online security software – the software that protects
your computer from spyware, hackers, and viruses – is up-to-date.</li>
</ol>
<br />
Another wise security move? Review your passwords, especially if you
tend to use the same one or two combinations for everything. Most
online retailers require you to set up a password to review, track, and
change your orders, and all banks and credit card companies require you
to have a password to access your accounts. Make sure your passwords
aren’t too generic or too easy to guess. Try mixing things up by adding
symbols, such as “$” or “&” – and try to come up with unique
passwords for every website. If you have a wireless router at home,
make sure your network is password-protected.<br />
<br />
<ol start="7">
<li><strong>Review your credit card statement carefully. </strong>You
probably use your credit card more often – and in more places – during
the holidays. All of this extra activity can make it really easy to
overlook an odd purchase. As you wrap up your holiday shopping this
season, it’s a good idea to hang onto your receipts and check them
against your credit card statement. If you see a purchase that you
don’t recognize, call your credit card company and ask about it.</li>
</ol>
<br />
So, that wraps up my tips for credit card security. With just a few
extra precautions, you can make sure that your credit card information
doesn’t end up in the wrong hands.<br />
Read more <a href="http://www.debtguru.com/">www.debtguru.com</a><br />
<div class="blog-post-footer">
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Anonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com0tag:blogger.com,1999:blog-216227840691582837.post-39397215588990229112012-12-12T23:13:00.002+07:002012-12-12T23:13:54.616+07:00Delta Establish Partnership with Virgin Atlantic<br />
<div style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;">
<img alt="Delta Galang Kemitraan dengan Virgin Atlantic" class="entry-image" height="235" src="http://files.monexnews.com/img.php/190/140/src/image/CFD/Delta%20Airlines.jpg" width="320" /></div>
<br />
<br />
<span class="" id="result_box" lang="en"><span class="hps">Delta</span> <span class="hps">Airlines</span> <span class="hps atn">(</span><span>DAL</span><span>)</span> <span class="hps">further confirmed</span> <span class="hps">its position</span> <span class="hps">as one of the</span> <span class="hps">largest airlines</span> <span class="hps">United States (U.S.</span><span class="">)</span> <span class="hps">to</span> <span class="hps">acquire 49</span><span>% stake in</span> <span class="hps">Virgin</span> <span class="hps">Atlantic</span><span>.</span> <span class="hps">Delta</span> <span class="hps">to buy</span> <span class="hps">stake</span> <span class="hps">in</span> <span class="hps">Virgin</span> <span class="hps">Singapore</span> <span class="hps">Airlines</span> <span class="hps">worth a total of</span> <span class="hps">$ 360</span> <span class="hps">million</span> <span class="hps">joint</span> <span class="hps">venture</span> <span class="hps">also marks</span> <span class="hps">the birth of</span> <span class="hps">a new flight</span> <span class="hps">route</span> <span class="hps">for</span> <span class="hps">the North</span> <span class="hps">Atlantic region</span><span>.</span><br /><br /><span class="hps">In a statement</span><span class="">,</span> <span class="hps">Delta</span> <span class="hps">Airlines</span> <span class="hps">claimed</span> <span class="hps">that the</span> <span class="hps">acquisition</span> <span class="hps">does not</span> <span class="hps">just mean</span> <span class="hps">in terms of business</span><span>.</span> <span class="hps">But the</span> <span class="hps">joint</span> <span class="hps">venture with</span> <span class="hps">Virgin</span> <span class="hps">will</span> <span class="hps">give</span> <span class="hps">them</span> <span class="hps">immunity</span> <span class="hps">from</span> <span class="hps">anti</span><span>-trust</span> <span class="hps">U.S. Department of Transportation</span><span>.</span> <span class="hps">The</span> <span class="hps">process of</span> <span class="hps">settlement</span> <span class="hps">is expected to</span> <span class="hps">be completed in</span> <span class="hps">late 2013</span><span>,</span> <span class="hps">after</span> <span class="hps">appearing</span> <span class="hps">approval</span> <span class="hps">from</span> <span class="hps">the European Union and</span> <span class="hps">U.S.</span> <span class="hps">Department of Justice</span><span class="">.</span><br /><br /><span class="hps">The founder of</span> <span class="hps">Virgin</span> <span class="hps">Atlantic</span><span>,</span> <span class="hps">Richard</span> <span class="hps">Branson</span><span>,</span> <span class="hps">will still be the</span> <span class="hps">majority shareholder</span> <span class="hps">with</span> <span class="hps">51%</span> <span class="hps">ownership</span> <span class="hps">share</span><span>.</span> <span class="hps">The acquisition of</span> <span class="hps">the new</span> <span class="hps">shares</span> <span class="hps">will</span> <span class="hps">increase the</span> <span class="hps">international reach</span> <span class="hps">Delta</span><span>,</span> <span class="hps">which is now</span> <span class="hps">recognized as the</span> <span class="hps">largest U.S.</span> <span class="hps">airline</span> <span class="hps">in terms of</span> <span class="hps">the</span> <span class="hps">two</span> <span class="hps">flight</span> <span class="hps">distance</span><span>.</span> <span class="hps">The joint</span> <span class="hps">venture</span> <span class="hps">also opened</span> <span class="hps">access for</span> <span class="hps">Delta</span> <span class="hps">to</span> <span class="hps">get</span> <span class="hps">your own space</span> <span class="hps">at</span> <span class="hps">London</span><span class="">'s Heathrow airport</span> <span class="hps">as well as</span> <span class="hps">gain access</span> <span class="hps">to Europe</span> <span class="hps">and</span> <span class="hps">Asia</span> <span class="hps">destination</span><span>.</span><br /><br /><span class="hps atn">"</span><span class="">Our new partnership</span> <span class="hps">with</span> <span class="hps">Virgin</span> <span class="hps">will strengthen</span> <span class="hps">both companies</span> <span class="hps">and</span> <span class="hps">enhance the competitiveness of</span> <span class="hps">the</span> <span class="hps">British</span><span class="atn">-</span><span>American</span> <span class="hps">aviation</span> <span class="hps">industry</span><span>,</span> <span class="hps">especially</span> <span class="hps">for</span> <span class="hps">New</span> <span class="hps">York</span><span class="atn">-</span><span>London</span> <span class="hps">route</span><span>,</span><span>" explained</span> <span class="hps">Delta</span> <span class="hps">CEO</span><span>,</span> <span class="hps">Richard</span> <span class="hps">Anderson</span><span>.</span> <span class="hps">Delta</span><span>'s stock price</span> <span class="hps">closed at</span> <span class="hps">$ 10.66</span> <span class="hps">a gain of</span> <span class="hps">5.13%</span> <span class="hps">on Tuesday</span> <span class="hps atn">(</span><span class="">11/12</span><span class="">)</span><span class="">.</span></span><br />
<span class="" id="result_box" lang="en"><span class=""><br /></span></span>Anonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com0tag:blogger.com,1999:blog-216227840691582837.post-23319527877550591402012-11-07T22:18:00.000+07:002012-11-07T22:29:01.602+07:00FORWARD<br />
<div style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;">
<img alt="President Obama in Lima, Ohio" class="picCenter" height="213" src="http://secure.assets.bostatic.com/resize/lima-20121103021401.jpg" width="320" /></div>
<span class="" id="result_box" lang="en"><span class="hps">Vision of</span> <span class="hps">economic growth</span> <span class="hps">from outside</span> <span class="hps">the center</span>, not <span class="hps">the top down</span> <span class="hps">of</span> <span class="hps">a President</span> <span class="hps">who</span> <span class="hps">was elected</span> <span class="hps">in 2012</span> <span class="hps">U.S. Presidential Election.</span></span><span class="" id="result_box" lang="en"><span class="hps"> Future</span> <span class="hps">development plans</span> <span class="hps">for</span> <span class="hps">U.S.</span> <span class="hps">President Barack</span> <span class="hps">Obama</span></span><br />
<br />
President Obama has <a href="http://www.barackobama.com/issues">a long-term economic plan</a> to invest in education, <a href="http://www.barackobama.com/small-business">small businesses</a>, clean energy, infrastructure, and tax cuts for companies that bring jobs back to the U.S.<br />
<br />
Under President Obama, we've seen 32 straight months of job growth,
adding 5.4 million private sector jobs, including nearly 479,000
manufacturing jobs since 2010<br />
<br />
Cut taxes by $3,600 for the typical middle class family making
$50,000 a year over his first term - find out how his plan impacts <a href="http://www.barackobama.com/tax-calculator">your taxes</a><br />
<br />
<a href="http://www.barackobama.com/energy-info">"All of the above"</a>
strategy to develop every available source of American made
energy—including oil, gas, clean coal, wind, solar, biofuels, nuclear -
and taking steps to protect our <a href="http://www.barackobama.com/environment"> climate</a><br />
<br />
Set a goal to cut tuition growth in half over the next decade with a
plan to double campus based student aid and incentives for schools that
are successful at keeping tuition growth down<br />
<br />
Responsibly <a href="http://www.barackobama.com/for-all/foreign-policy-fa"> ended the war in Iraq </a>,
is bringing our troops home from Afghanistan, and will use half the
savings to reduce the deficit and the rest to engage in nation-building
here at home<br />
<br />
100 million Americans saw lifetime caps on coverage lifted, so that
families have the security of knowing that their insurance will cover
them when they need it most<br />
<br />
Believes a woman’s health care choices are personal decisions, best made with her doctor—without interference from politicians<br />
<br />
Improved Medicare by adding free preventive care, closing the
“doughnut hole” saving seniors an average of $600 last year, and
extended the life of Medicare by 8 years by eliminating $716 billion in
waste, fraud, and abuse<br />
<br />
Is lifting the shadow of deportation from young, hardworking
immigrants who were brought here as children, and is committed to
comprehensive immigration reformAnonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com1tag:blogger.com,1999:blog-216227840691582837.post-81149689956350911622012-10-10T11:03:00.000+07:002012-10-10T11:03:56.879+07:00Secrets of Success in Multi Level Marketing<span class="" id="result_box" lang="en"><span title="Bagaimana dan apa yang harus dilakukan agar kita bisa mendapatkan penghasilan dari Internet.">How and what should be done so that we can earn money from the Internet. </span><span title="Yang sering menjadi pertanyaan adalah :">That is often the question is:<br /></span><span title=""... apa langkah selanjutnya setelah saya mendaftar disalah satu bisnis yang ditawarkan?"">"... What is the next step after I signed up at one business has to offer?"</span><span title=""... selanjutnya bagaimana saya melakukannya ?"">"... How do I do next?"</span><span title=""... terus apa yg harus saya lakukan?"">"... Then what do I do?"<br /></span><span title="dan lain-lain.">and others.<br /></span><span title="Seringkali orang ingin menghasilkan uang di internet, tetapi">Often people want to make money on the internet, but</span><span title="tidak tahu apa yg harus mereka lakukan.">do not know what they should do. </span><span title="Bagaimana bisa meng-">How could-</span><span title="hasilkan uang di internet jika hampir *tidak ada* orang yang">make money on the internet if it is almost * no * people</span><span title="membicarakan tentang: *intisari* bagaimana menghasilkan uang">talk about: * essence * how to make money</span><span title="di internet.">on the internet.<br /></span><span title="Ini ibarat anda ingin pergi ke suatu tujuan, tapi tidak tahu">It's like you want to go to a destination, but do not know</span><span title="harus kemana.">where to go. </span><span title="Itulah kenapa banyak sekali orang yang bingung">That's why so many people are confused</span><span title="dan akhirnya frustasi.">and ultimately frustrating.<br /></span><span title="Kita tidak bisa menyalahkan orang lain karena *intisari* ini">We can not blame others for the essence of * this *</span><span title="baru akan kita pahami setelah kita tahu...">recently we see that we know ... </span><span title="luar-dalam, seluk">outside-in, ins</span><span title="beluk internet, dan *benar-benar* bisa *menghasilkan* banyak">outs of the internet, and * really * could * produce * much</span><span title="uang di internet.">money on the internet.<br /></span><span title="Seperti pertanyaan sederhana ini: "Apakah tujuan hidup ini?"">As this simple question: "What is the purpose of life?"</span><span title="Hanya orang-orang yang *sudah* merasakan asam, manis, pahit,">Only people who * have * taste sour, sweet, bitter,</span><span title="dan getirnya hidup ini yang bisa menjawab pertanyaan itu.">and bitter life that can answer that question.<br /></span><span title="Walaupun pemahaman mendasar ini sangatlah *sederhana* tetapi mempunyai makna yang mendalam...">Despite this fundamental understanding is * simple * but has deep meaning ... </span><span title="inilah *intisari* bagaimana anda bisa menghasilkan uang di internet:">* essence * is how you can make money on the internet:<br /></span><span title="1.">1. </span><span title="Membuat blog untuk dikunjungi">Create a blog to visit<br /></span><span title="2.">2. </span><span title="Mendatangkan pengunjung.">Bring visitors.<br /></span><span title="3.">3. </span><span title="Memanfaatkan pengunjung tersebut.">Utilizing these visitors.<br /></span><span title="Untuk awal membuat blog untuk dijadikan tempat promosi, lakukan *satu-persatu*.">To start a blog to be a place of promotion, do * one by one *. </span><span title="Dan lakukan yang kedua yaitu">And do the latter is</span><span title="terlebih dahulu...">first ... </span><span title="anda HANYA perlu mendatangkan pengunjung,">you ONLY need to bring in visitors,</span><span title="sedangkan untuk yang ketiga biar orang lain yang pusing ;-)">while for the third let others dizzy ;-)<br /></span><span title="Kalau melakukan yang ketiga, anda juga *harus* melakukan yang">If you do all three, you * must * do</span><span title="kedua, karena masih belum ada orang yang mengenal anda.">secondly, because there is still no one who knows you.<br /></span><span title="Ketika saya memulai pada tahun 2008 -- karena tidak tahu dan">When I started in 2008 - because they do not know and</span><span title="tidak ada yang mengajari / membimbing, saya langsung melaku-">no one to teach / guide, I immediately do</span><span title="kan yang ketiga, hasil akhirnya menyedihkan...">the third, the end result is pathetic ... </span><span title="mau muntah dan">going to be sick and</span><span title="hancur berantakan.">falling apart.<br /></span><span title="Saya yakin pemahaman, pengalaman, dan saran saya diatas bisa menghemat banyak waktu, energi serta uang anda.">I believe the understanding, experience, and my advice above could save you a lot of time, energy and money. </span><span title="Banyak orang berhenti (BUKAN gagal) karena kewalahan.">Many people stopped (NOT failure) due to overwhelmed. </span><span title="Jadi, lakukan satu-persatu, dan lakukan yang pertama dan kedua terlebih dahulu.">So, do it one by one, and do the first and second first.<br /></span><span title="Sudah *banyak* orang yang berhasil mendapatakan uang dari internet karena fokus dan ulet dalam melakukan setiap langkah dan strategi promosi yang baik">It
is * many * people who managed mendapatakan money from the internet for
focused and tenacious in doing each step and good promotion strategy<br /></span><span title="Jadi tunggu apa lagi, sebarkan website replika anda jika anda mengikuti salah satu bisnis jaringan yang mempunyai website reflika setiap membernya referensikan URL anda ke: teman-teman anda, facebook, twitter,">So
wait no more, share your replica website if you follow one of the
networking business that has a website URL reflika its members refer you
to: your friends, facebook, twitter,</span><span title="web, blog, forum, iklan baris, koran, majalah, dan lain-lain.">sites, blogs, forums, classified ads, newspapers, magazines, and others.<br /></span><span title="Jika anda *bisa* mendatangkan pengunjung, dan mereferensikan">If you * can * bring visitors, and referring</span><span title="beberapa orang...">some people ... </span><span title="ini bisa menjadi bukti kuat buat diri anda">This could be evidence for yourself</span><span title="sendiri kalo memang anda mampu!">yourself if you can afford it! </span><span title="Dan hal itu akan benar-benar">And it would really</span><span title="membedakan hasil akhir "sepak terjang" anda di dunia online.">distinguish the final result "lunge" you in the online world.<br /></span><span title="Saya tahu ada beberapa website yang bagus untuk pemasangan iklan antara lain anda bisa cek : hitz4blogger.com, termasuk di blog ini juga, galeribersama.com dan masih banyak lagi yang lain yang saya bisa sebutkan satu persatu.">I
know there are some good websites for advertising among other things
you can check: hitz4blogger.com, including on this blog,
galeribersama.com and many others that I could mention one by one.</span><span title="Yang terpenting adalah bukti kalau anda bisa melakukannya!">Most important is the evidence that you can do it!</span></span>Anonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com0tag:blogger.com,1999:blog-216227840691582837.post-67450364529696448212012-10-01T21:23:00.004+07:002012-10-01T21:23:58.067+07:00Many ways to play the Kindle to be a crucial winner Stock Market<span class="" id="result_box" lang="en"><span title="Banyak cara memainkan Kindle untuk menjadi pemenang Pasar Saham dan penting bagaimana mempelajari pergerakan pasar saham di berbagai Negara di dunia kedepan">Many
ways to play the Kindle to be a crucial winner Stock Market and how to
learn stock market movements in various countries in the world of the
future<br /></span><span title="Tajam, jujur dan kadang-kadang sangat lucu, dari sekian banyak cara untuk menjadi pemenang pasar saham merupakan panduan yang sangat berharga bagi siapa pun yang ingin mendapatkan uang dari pasar saham.">Sharp,
honest and sometimes very funny, of the many ways to be a winner stock
market is an invaluable guide for anyone who wants to get money out of
the stock market.<br /></span><span title="Saya akan memberikan beberapa trik untuk memulai bermain di pasar.">I'll give you some tricks to start play in the market. </span><span title="saham.">stock.<br /></span><span title="Kebanyakan orang hanya menjadi penonton harga saham dibandingkan berinvestasi dalam saham.">Most people just being spectators stock than investing in stocks.<br /></span><span title="Ada juga yang menyadari bahwa investasi adalah jalan keluar untuk menyelesaikan masalah dari membayar cek untuk membayar cek, tetapi tidak tahu harus mulai dari mana.">There
also are aware that investing is a way out to resolve the issue of the
pay check to pay check, but do not know where to start.<br /></span><span title="Saham dan saham tampaknya menjadi pilihan cadangan untuk menjadi orang kaya, bisnis yang berisiko di mana pemula bisa kehilangan harta jika tidak berhati hati dalam mengambil langkah yang tepat">Stock
and stock seem to be a backup option to be rich, risky business where
beginners can lose the property if it is not careful in taking
appropriate steps<br /></span><span title="Tetapi harus anda memulai tanpa harus terpancing dengan emosi?">But you have to start without having provoked the emotion?<br /></span><span title="Berikut saya akan memberikan beberapa ide atau cara agar tidak salah langkah dalam mengikuti bisnis investasi pasar saham global untuk Anda mulai.">Here
I will give you some ideas or ways to avoid missteps in following the
global stock market investment business to get you started.<br /></span><span title="Cara 1.">Method 1.</span><span title="Rajin membaca berita mengenai pasar saham di internet atau media lainnya.">Diligently read the news about the stock market on the internet or other media.<br /><br /> </span><span title="Berbagi waktu harga riil.">Real time share prices.<br /> </span><span title="Fundamental informasi.">Fundamental information.<br /> </span><span title="Portofolio pelacakan.">Portfolio tracking.<br /> </span><span title="Berita.">News.<br /> </span><span title="Opini.">Opinion.<br /> </span><span title="Layanan gratis banyak lagi!">The free service more!<br /></span><span title="Layanan ini gratis memungkinkan Anda membuat keputusan keuangan yang sangat berbagi informasi tentang apa untuk membeli dan kapan harus menjualnya.">This free service allows you to make financial decisions was to share information on what to buy and when to sell.<br /></span><span title="Meneliti saham Anda investasi pasar mungkin tampak seperti pekerjaan.">Researching your stock market investments may seem like a job. </span><span title="Itu karena saham investasi pasar kerja.">That's because the stock market investment work.<br /></span></span><span class="" id="result_box" lang="en"><span title="Sayangnya investasi bukanlah jalan pintas menuju kekayaan, Anda perlu memperlakukannya seperti cara lain untuk membuat uang-dengan fokus dan tekad.">Unfortunately,
the investment is not a shortcut to wealth, you need to treat it as
another way to make money-with focus and determination. </span><span title="Mudah-mudahan Anda akan menemukan banyak menyenangkan dan lebih seperti hobi dari tugas.">Hopefully you'll find lots of fun and more like a hobby than a task.</span></span><br /><span class="" id="result_box" lang="en"><span title="Mudah-mudahan Anda akan menemukan banyak menyenangkan dan lebih seperti hobi dari tugas."></span></span><span class="" id="result_box" lang="en"><span title="Mudah-mudahan Anda akan menemukan banyak menyenangkan dan lebih seperti hobi dari tugas."><br /></span><span title="Sama seperti Anda tidak dapat menulis tanpa pena, Anda tidak harus berinvestasi tanpa alat saham terbaik pasar yang sedang online hari ini.">Just as you can not write without a pen, you do not have to invest without the best stock market that are online today.<br /></span><span title="Petunjuk yang ke 2.">The instructions to the 2.<br /></span><span title="Anda harus memiliki setidaknya 30 saham yang berbeda tidak pernah membeli lebih dari senilai USD.$ 1000 dari bagian apapun.">You must have at least 30 different stocks never buy more than worth USD. $ 1,000 from any part.<br /></span></span><span class="" id="result_box" lang="en"><span title="Mempertaruhkan terlalu banyak pada setiap investasi saham adalah tidak bagus karena itu bisa menjadi bencana, bahkan bagi investor pasar saham canggih.">Risking
too much on any stock investment is not as good as it could be
disastrous, even for sophisticated stock market investors. </span><span title="Menjaga investasi individu bagian kecil terus aman modal panci dan menurunkan stres yang dapat membuat investasi tidak menyenangkan.">Keeping
individual investment small portion of capital kept safe pan and reduce
the stress that can make investments unpleasant. </span><span title="Setelah Anda memiliki 30 saham yang Anda dapat tumbuh skala investasi masing-masing, tapi sampai hari itu tetap kecil.">Once you have 30 stocks that you can grow the scale of investment in each, but to this day it remains small.</span></span><br /><span class="" id="result_box" lang="en"><span title="Setelah Anda memiliki 30 saham yang Anda dapat tumbuh skala investasi masing-masing, tapi sampai hari itu tetap kecil."></span></span><span class="" id="result_box" lang="en"><span title="Setelah Anda memiliki 30 saham yang Anda dapat tumbuh skala investasi masing-masing, tapi sampai hari itu tetap kecil."><br /></span><span title="Cara yang ke 3.">Way to the 3.<br /></span><span title="Membangun portofolio saham dari 30 saham.">Build a stock portfolio of 30 stocks.<br /></span><span title="Tidak memperdulikan orang-orang yang mengatakan menaruh semua telur Anda dalam satu keranjang.">Not considering the people who say put all your eggs in one basket. </span><span title="Portofolio memberi Anda kepastian bahwa nasib buruk tidak akan menyakiti Anda dan bahwa pilihan Anda rata-rata akan memberikan return memetik berbagi Anda layak.">Portfolio
gives you the assurance that the bad luck will not hurt you and that
your choice will give you the average return pluck your share worth. </span><span title="Ini return portofolio selama bertahun-tahun akan mengungguli apapun bank akan menawarkan Anda pada deposito dan akan senyawa.">This portfolio return over the years will outperform any bank will offer you the deposit and will compound.<br /></span><span title="Sebuah portofolio yang terdiversifikasi akan berarti Anda akan kehilangan keberuntungan, tapi investasi adalah bukan tentang keberuntungan.">A diversified portfolio will mean you will lose a fortune, but investment is not about luck. </span><span title="Nasib buruk dan keberuntungan membatalkan waktu ke waktu, tetapi jika Anda memiliki terlalu banyak uang Anda dalam saham terlalu sedikit maka nasib buruk dapat merobohkan Anda keluar dari permainan.">Bad
luck and good luck canceling time to time, but if you have too much
money in too few stocks that bad luck can knock you out of the game.<br /></span><span title="Ini disebut 'penjudi merusak' dan cara untuk menghindari dengan memiliki portofolio.">This is called "shill harm 'and how to avoid by having a portfolio.<br /></span><span title="Yang ke 4.">Which to 4.<br /></span><span title="Jangan pernah menginvestasikan uang Anda pada ujung saham.">Never invest your money at the end of the stock.<br /></span><span title="Investasi saham adalah keterampilan Anda membangun dari waktu ke waktu dan dengan peningkatan keuntungan Anda akan tumbuh.">Investment in stocks is a skill you build up over time and with increasing your profits will grow. </span><span title="Berbagi tips adalah investasi kosong dan jenis menjijikkan banyak yang mencoba dan membujuk Anda untuk investasi dengan nasihat yang buruk dengan cara yang sama salesman yang mencoba untuk menjual produk jelek dengan iklan mengerikan.">Sharing
tips are investing a lot of empty and unsavory types who try and
persuade you to invest with bad advice in the same way a salesman trying
to sell a crappy product with a terrible ad.<br /></span><span title="Hanya mengatakan 'Tidak!'">Just say 'No!' </span><span title="Untuk berbagi tips.">To share tips.<br /></span><span title="Yang ke 5.">Which to 5.<br /></span><span title="Pilih berinvestasi di saham untuk jangka panjang.">Choose to invest in stocks for the long term.<br /></span></span><span class="" id="result_box" lang="en"><span title="Membeli saham Anda pikir Anda akan ditahan selama tiga tahun atau lebih.">Buying stocks you think you will be held for three years or more. </span><span title="Jangan membuat broker kaya dan miskin sendiri dengan mencoba untuk berdagang.">Do not make yourself rich and poor broker by trying to trade. </span><span title="Ketika investor paling sukses di dunia, Warren Buffett, mengklaim kemalasan sebagai sifat investasi yang paling menguntungkan itu Anda harus perhatikan.">When
the world's most successful investor, Warren Buffett, claim laziness as
the most profitable investment properties that you have to pay
attention. </span><span title="Lambat dan mantap memenangkan perlombaan pasar saham investasi.">Slow and steady wins the race stock market investment. </span><span title="Nilai investasi adalah keterampilan yang bagus untuk belajar.">Value investing is a great skill to learn.</span></span><br /><span class="" id="result_box" lang="en"><span title="Nilai investasi adalah keterampilan yang bagus untuk belajar."></span></span><span class="" id="result_box" lang="en"><span title="Nilai investasi adalah keterampilan yang bagus untuk belajar."><br /></span><span title="Menempatkan uang Anda berinvestasi dalam Sipp atau ISA dan biarkan keuntungan menggulung bebas pajak.">Putting your money to invest in a SIPP or ISA and let the profits roll up tax-free. </span><span title="Sedangkan bunga dari bank dikenakan pajak, dengan menggunakan alat ini dapat melindungi keuntungan pasar saham dan dividen dari pajak, satu lagi alasan untuk membiarkan jangka panjang memegang.">While
the rate of bank taxed, by using this tool can protect your stock
market gains and dividends from tax, one more reason to let the
long-term holding.<br /></span><span title="Hanya ingat, pada saat Anda mampu Ferrari dari saham investasi Anda akan terlalu tua untuk ingin satu.">Just remember, when you can afford a Ferrari from the stock investment would be too old to want one. </span><span title="Anda pikir itu buruk?">You think that's bad? </span><span title="Mungkin Anda harus bertanya-tanya apakah Anda memiliki cara lain untuk mendapatkan Ferrari kaya sama sekali, sebelum Anda khawatir berapa lama akan mengambil.">Maybe you have to wonder if you have any other way to get rich Ferrari at all, before you worry about how long it would take.<br /></span><span title="Jika Anda dapat melihat investasi pasar saham sebagai pekerjaan paruh waktu dari sekarang sampai pensiun Anda akan melakukannya dengan sangat baik memang dari itu, itu adalah forex jangka pendek dan pedagang saham yang terbakar.">If
you can see the stock market investment as a part-time job from now
until retirement you will do very well indeed out of it, it is a
short-term forex and stock traders are burning.<br /></span><span title="Investasi adalah bagaimana orang normal bisa mendapatkan lambat kaya.">Investment is how normal people can get rich slow. </span><span title="Ini adalah salah satu dari beberapa cara yang tersedia bagi sesama rata-rata, tapi karena dibutuhkan kerja keras, disiplin dan waktu, tidak banyak orang mendaftar untuk itu">This
is one of the few ways available to others on average, but because it
takes hard work, discipline and time, not many people signed up for it<br /></span><span title="Jika Anda benar-benar peduli tentang keuangan Anda dan kemakmuran jangka panjang Anda itu selalu merupakan waktu yang baik untuk memulai investasi.">If you really care about your finances and your long-term prosperity is always a good time to start investing. </span><span title="Ini adalah jalan yang panjang, tapi satu yang menguntungkan.">It is a long road, but one that is profitable.</span></span>Anonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com0tag:blogger.com,1999:blog-216227840691582837.post-44772628123000224592012-09-28T19:03:00.000+07:002012-09-28T19:03:01.214+07:00Tips to start a business open<span class="" id="result_box" lang="en"><span class="hps">A</span> <span class="hps">story</span> <span class="hps">that tells about</span> <span class="hps">a person's success</span> <span class="hps">in taking a</span> <span class="hps">right decision</span> <span class="hps">and</span> <span class="hps">right</span> <span class="hps">to</span> <span class="hps">start a business</span><span>,</span> <span class="hps">so in the end</span> <span class="hps">achieve</span> <span class="hps">extraordinary</span> <span class="hps">success</span><span class="">.</span> <span class="hps">I think</span> <span class="hps">this is great</span> <span class="hps">used as</span> <span class="hps">an example</span> <span class="hps">or</span> <span class="hps">a reference</span> <span class="hps">to</span> <span class="hps">a decision</span> <span class="hps">to start</span> <span class="hps">running</span> <span class="hps">a business.</span> <span class="hps">How is</span> <span class="hps">the real story</span> <span class="hps">...</span> <span class="hps">the following</span> <span class="hps">reviews.</span></span><br />
<br />
<span class="" id="result_box" lang="en"><span title="Seorang usahawan muda di Jakarta punya 10 juta dollar AS atau setara dengan Rp 94 miliar.">A young businessman in Jakarta has 10 million U.S. dollars or equivalent to Rp 94 billion. </span><span title="Ia bingung untuk investasi.">He was confused for investment. </span><span title="Kalau dideposito dan sebutlah ia dapat bunga 4 persen, setahun uangnya bertambah Rp 3,769 miliar atau Rp 313 juta per bulan.">If he can call it dideposito and 4 percent interest, increasing its year of Rp 3.769 billion or Rp 313 million per month. </span><span title="Cukup enak.">Quite tasty. </span><span title="Namun, bukan wataknya menyimpan uang di bank.">However, her character is not money in the bank. </span><span title="Ia lebih suka bertarung di lapangan.">He prefers to fight on the ground.<br /></span><span title="Kepada ayahnya yang seorang usahawan komponen otomotif, anak muda itu minta saran.">To his father, a businessman of automotive components, the young man asked for advice. </span><span title="Ayahnya berkata, ”Mantapkan hatimu.">His father said, "Establish your hearts. </span><span title="Masuklah ke bisnis yang engkau sukai dan benar-benar kuasai.">Go to the business that you are passionate about and truly mastered. </span><span title="Jangan terombang-ambing.">Do not be swayed. </span><span title="Jangan silau kemajuan usahawan lain.">Do not glare other entrepreneurial progress. </span><span title="Putuskan, dan lupakan!”">Decide, and forget it! "<br /></span><span title="Anak muda ini terkesiap oleh ucapan ayahnya.">This young man gasped at the words of his father. </span><span title="Ia lalu menimbang lagi.">He then weighed again. </span><span title="Kalau membangun hotel bintang dua, ia bisa mendapatkan dua hotel dengan masing-masing di atas 100 kamar.">If we build a two star hotel, he could get two of each hotel with over 100 rooms. </span><span title="Jika hotel selalu ”hampir penuh” dan dikelola baik, ia bisa berharap modal kembali kurang dari empat tahun.">If the hotel is always "almost full" and managed well, he can expect capital back less than four years. </span><span title="Ia tinggal menghitung laba.">He lived calculating profit.<br /></span><span title="Kalau membuka kafe waralaba asing, ia bisa memperoleh setidaknya 30 kafe kelas satu.">If you open the franchised cafes stranger, he could earn at least 30 first-class cafes. </span><span title="Ia masukkan ke mal dan bayar sewa.">He put the mall and pay rent. </span><span title="Kalau berjalan mulus, investasi bisa balik dalam tiga tahun.">If it goes through, the investment could be back in three years. </span><span title="Jika gagal?">If it fails?<br /></span><span title="Terombang-ambing, ia teringat nasihat ayahnya.">Oscillate, he remembered his father's advice. </span><span title="Masuk ke bisnis yang ia kuasai benar.">Enter the business that he mastered properly. </span><span title="Dan bisnis itu adalah perminyakan.">And it was the oil business. </span><span title="Selama delapan tahun terakhir, ia bekerja di sebuah perusahaan minyak bumi.">Over the past eight years, he worked in a petroleum company. </span><span title="Maka, ia tetapkan hati masuk ke minyak.">So, he set hearts into oil.<br /></span><span title="Berdasarkan izin legal yang ia peroleh, ia gunakan uangnya untuk ”mencari sumur minyak” di Pulau Sumatera.">Based on that he obtained legal permission, he used his money to "find an oil well" on the island of Sumatra. </span><span title="Menurut hitungan sederhana, kalau beruntung, pencarian pertama saja sudah bisa menemukan sumur minyak.">According to a simple matter, with any luck, the first search alone can find oil wells. </span><span title="Pada eksplorasi pertama, tidak ditemukan apa-apa.">In the first exploration, not found anything. </span><span title="Ia tidak terpukul.">He did not hit. </span><span title="Pada eksplorasi kedelapan, ditemukan sumur minyak, tetapi tidak layak.">In the eighth exploration, discovered oil wells, but it is not worth it. </span><span title="Ongkos eksplorasi malah lebih tinggi dibandingkan dengan perolehan minyak.">The cost of exploration even higher than the oil recovery. </span><span title="Di sini ia berdebar.">Here he is pounding. </span><span title="Terus atau tidak?">Continue or not? </span><span title="Uangnya hanya cukup untuk dua kali lagi pencarian minyak lagi.">The money is only enough for two more oil search again. </span><span title="Kalau hasilnya nihil?">If the result is nil?<br /></span><span title="Pada titik amat kritis ini, ia teringat kembali nasihat ayahnya.">At this very critical point, he recalled his father's advice. </span><span title="Putuskan dan lupakan.">Disconnect and forget. </span><span title="Ia putuskan terus mencari.">He decided to keep looking. </span><span title="Lupakan, agar ia tidak menyesal kalau seluruh hasilnya buruk.">Forget it, that he did not regret that all poorly. </span><span title="Pada pencarian kesembilan, kembali timnya gagal.">In search ninth, his team failed again.<br /></span><span title="Pada kesempatan terakhir, usahawan ini bisa tersenyum.">On the last occasion, these businessmen can smile. </span><span title="Timnya menemukan sumur minyak.">His team discovered oil wells. </span><span title="Tidak besar, ”hanya” 10.500 barrel per hari.">Not great, "only" 10,500 barrels per day. </span><span title="Ia sujud syukur.">He bowed gratefully. </span><span title="Kini ia bisa membangun perusahaan ritel, beberapa kafe, restoran yang laris, dan membeli saham sebuah bank swasta nasional.">Now he could build retail establishments, several cafes, restaurants selling and buying shares of a private bank nationwide. </span><span title="(Abun Sanda)">(Abun Sanda)</span></span>Anonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com0tag:blogger.com,1999:blog-216227840691582837.post-1384762658831765032012-09-25T14:21:00.000+07:002012-09-25T14:21:03.134+07:00Jasa Pemasangan Iklan Online Saat Ini!!<br />
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Jasa Pemasangan Iklan Gratis Terbaik Saat Ini – Jangan pusing2 mencari situs terbaik untuk mempromosikan barang dagangan anda Mkinung situs berikut dapat anda jadikan sebagai sarana untuk promosi barang dagangan atau produk anda secara gratis melalui media Internet ,,
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Anonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com0tag:blogger.com,1999:blog-216227840691582837.post-45028988819636023672012-09-15T23:39:00.000+07:002012-09-15T23:39:58.715+07:00 U.S. Stocks Rally to Highest Since 2007 Amid Fed StimulusU.S. stocks advanced for a second straight week, sending the Standard & Poor’s 500 Index to the highest level since 2007, as the Federal Reserve’s plan to buy mortgage securities fueled demand for riskier assets.<br />
<br />
Commodity, financial and industrial shares had the biggest gains during the week among 10 groups in the S&P 500. U.S. Steel Corp. (X) and Caterpillar Inc. (CAT) climbed at least 5.7 percent. Bank of America Corp. (BAC) increased 8.5 percent as a German court cleared the way for Europe’s bailout fund. Apple Inc. (AAPL) rose 1.6 percent to a record after introducing a new version of the iPhone.<br />
<br />
The S&P 500 added 1.9 percent to 1,465.77, extending its two-week rally to 4.2 percent. The index is 6.8 percent away from its all-time high set in October 2007. (SPX) The Dow Jones Industrial Average gained 286.73, or 2.2 percent, to 13,593.37.<br />
<br />
“We’ve had a good period where everything that could go right did go right,” said Russ Koesterich, the San Francisco- based global chief investment strategist for the IShares unit of BlackRock Inc. His firm oversees $3.56 trillion. “The rally was a function of the fact that policy makers delivered, and probably even a bit more than expected.”<br />
<br />
Equities rallied as the Fed said on Sept. 13 that it will expand its holdings of long-term securities with open-ended purchases of $40 billion of mortgage debt a month in a third round of quantitative easing as it seeks to boost growth and reduce unemployment. Stocks also climbed after Germany’s top constitutional court rejected efforts to block a permanent euro- area rescue fund.<br />
2012 Gain<br />
<br />
Bets on global central bank action and better-than- estimated corporate profits have taken the S&P 500 up 17 percent this year. Financial and technology shares, which comprise the biggest groups in the benchmark measure, surged at least 23 percent in 2012 to lead the gains among 10 groups.<br />
<br />
Bank of America became the third Wall Street firm to forecast U.S. stocks will hit a record next year, joining the ranks of optimists from Laszlo Birinyi to Tobias Levkovich in saying the bull market will last. The S&P 500 will climb to 1,600 by the end of next year amid record profit growth, Savita Subramanian, Bank of America’s head of U.S. equity strategy, wrote in a note.<br />
<br />
Citigroup Inc.’s Levkovich and Brian Belski at Bank of Montreal, the other strategists with forecasts for 2013, say the S&P 500 will rise above its high of 1,565.15 set on Oct. 9, 2007. Birinyi, president of Birinyi Associates Inc., predicts more gains as bearish investors give up and start buying stocks.<br />
<br />
“Sentiment and fundamentals are supportive,” Subramanian said in the research report. “We are optimistic on equities for the longer term.”<br />
Most Dependent<br />
<br />
Companies which are most dependent on the pace of economic growth led the gains in the S&P 500. The Morgan Stanley (MS) Cyclical Index jumped 4.3 percent. U.S. Steel, the country’s largest producer of the metal by volume, added 7 percent to $22.35. Caterpillar, the largest maker of construction and mining equipment, rose 5.8 percent to $93.17.<br />
<br />
Commodity shares rallied the most during the week. The Standard & Poor’s GSCI spot gauge of 24 raw materials jumped 2.6 percent to 694.21, its seventh weekly advance. Alpha Natural Resources Inc. (ANR), which extracts and processes metallurgical coal, surged 24 percent to $8.55 for the biggest gain in the S&P 500. Cliffs Natural Resources Inc. (CLF) added 14 percent to $45.55.<br />
<br />
The KBW Bank Index of 24 stocks climbed 4.8 percent, the most since March and its third straight weekly advance. Bank of America soared 8.5 percent to $9.55. JPMorgan Chase & Co. (JPM), which plunged as much as 24 percent in the month after disclosing a multibillion-dollar trading loss, erased that decline. The shares added 5.8 percent to $41.57 for the week.<br />
Morgan Stanley<br />
<br />
Morgan Stanley rose 6.8 percent to $18.24. It agreed to buy the rest of its brokerage joint venture from Citigroup Inc. at a price that values the entire unit at $13.5 billion -- or about 40 percent less than Citigroup’s estimate two months ago.<br />
<br />
Apple jumped 1.6 percent to $691.28. The iPhone 5 boasts a bigger screen and has a chip that handles tasks more quickly than past versions. The company said orders for the device from its online store won’t be shipped for two weeks, fueling speculation that the new model has sold out.<br />
<br />
Facebook Inc. (FB) added 16 percent to $22. Chief Executive Officer Mark Zuckerberg said at the TechCrunch Disrupt conference in San Francisco that the company should generate more revenue from mobile devices than from desktop computers.<br />
<br />
The remarks helped allay concerns over Facebook’s ability to generate sales from users who increasingly socialize over handheld devices. The stock had plunged 49 percent since its May IPO amid signs of slowing growth and executives’ silence over plans to turn the tide.<br />
Monster Beverage<br />
<br />
Monster Beverage Corp. (MNST) slumped 7.6 percent to $53.77. The largest U.S. energy drink maker by sales volume tumbled after two U.S. senators called for greater regulation of the beverages. The senators also asked for further study of how energy drinks affect children’s health and that the U.S. Food and Drug Administration regulate how much caffeine can be included in the beverages.<br />
<br />
UnitedHealth Group Inc. (UNH) will replace Kraft Foods Inc. (KFT) in the Dow, the first change to the 116-year-old U.S. stock benchmark in three years, according to S&P Dow Jones Indices.<br />
<br />
Kraft, the world’s second-largest food company, will be removed from the Dow average after deciding to spin off its North American grocery business. UnitedHealth, the biggest U.S. health insurer, was chosen because it represents the growing importance of health-care spending to the U.S. economy, according to the index provider. The change goes into effect at the opening of trading on Sept. 24, S&P Dow Jones Indices said.<br />
<br />
To contact the reporter on this story: Rita Nazareth in New York at rnazareth@bloomberg.net<br />
<br />
To contact the editor responsible for this story: Lynn Thomasson at lthomasson@bloomberg.net Anonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com0tag:blogger.com,1999:blog-216227840691582837.post-50107760798679515382012-09-15T23:34:00.001+07:002012-09-15T23:36:28.604+07:00U.S. Funds Have Pension Industry’s Lowest Real Estate ReturnsU.S. Funds Have Pension Industry’s Lowest Real Estate Returns<br />
By Simon Packard - Sep 12, 2012 10:09 PM GMT+0800<br />
<br />
U.S. funds have had the lowest real estate returns in the global pensions industry because they rely on costly external managers and made risky bets before the financial crisis, according to a study by Maastricht University.<br />
<br />
Property investments generated an average net annual return of 5.7 percent for U.S. pension funds from 1990 through 2009, according to research by the Netherlands-based university. That compares with 7.2 percent returns for Canadian funds and a typical return of more than 7 percent for other funds.<br />
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The average cost of managing U.S. pension funds’ real estate investments is 64 percent higher than for Canadian funds, which have the second-highest costs, the study showed. Just 7.6 percent of U.S. funds’ real estate assets are managed internally, which costs the least. The study surveyed 884 funds with more than $4.6 trillion of total assets under management.<br />
<br />
“U.S. pension funds are reluctant to make in-house choices, and one of the main reasons for this is their concern about potential litigation,” said Nils Kok, a co-author of the study, in an interview in Berlin last week. He presented the report at the European Public Real Estate Association’s annual conference.<br />
<br />
U.S. state and local government pension programs with total assets of $2.8 trillion returned 1.2 percent in fiscal 2012, according to a study released last month by Santa Monica, California-based investment adviser Wilshire Associates Inc. That’s less than the 7 percent to 8.5 percent returns needed to pay retirement benefits, leaving programs with a funding shortfall to be met by participants and through public-service cutbacks.<br />
‘Foolish’ Choices<br />
<br />
“Many of the pension plans are under-funded, and when these funds see an opportunity to juice up their returns, they go for it,” said Kok. “From 2004, a large number of these sophisticated investors made foolish investment choices that were no different from the exuberance of retail investors.”<br />
<br />
In fiscal 2009, the California Public Employees’ Retirement System had a 48 percent drop in the value of its real estate portfolio, the culmination of a decade-long loosening of risk controls and large leveraged bets on housing made by external money managers before the collapse of Lehman Brothers Holdings Inc. roiled markets.<br />
<br />
Calpers, as the U.S.’s largest public pension plan is known, has since reduced debt, fired underperforming managers and focused its investments on less risky real estate. Its property investments returned 16 percent in the 12 months ended June 30, the fund reported in July.<br />
<br />
To contact the reporter on this story: Simon Packard in London at<br />
<br />
To contact the editor responsible for this story: Andrew Blackman at ablackman@bloomberg.net Anonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com1tag:blogger.com,1999:blog-216227840691582837.post-46853583784692805762012-08-06T21:33:00.003+07:002012-08-06T22:11:07.767+07:00Finance Your Real Estate Investment PropertiesCopyright 2005 Peter Dobler<br />
<br />
Unlike traditional residential real estate mortgages, real estate investment financing is way more creative and offers more options than you think. The golden rule in real estate investment is OPM (Other People’s Money).<br />
<br />
I have enough money; shouldn’t I buy my real estate investment for cash? No, I absolutely advice against investing large sums of cash into a single real estate investment. There are two reasons why not. First, you give away most of your profits by not leveraging your real estate investment. Second, it is far too risky to put every egg into one basket.<br />
<br />
Let me explain the leverage issue for a moment. I will give you an example of a $100,000 investment property that typically increases its value (appreciates) by 7% average a year. Maybe more, maybe less depending where you live. Paying all cash for this property will yield in a 7% appreciation profit plus the net profit from renting the place. Now you’re looking at roughly 15% of returns.<br />
<br />
If you’re conservative with your investments you might be satisfied with this kind of a return. These days you might get equal or better returns with other conservative investments minus the hassle of being a landlord. But you don’t mind being a landlord, because you understand and utilize the leveraging method with financing your real estate investment.<br />
<br />
With the example above you will make roughly $15,000 a year in profits from your investment. Now let’s take a closer look at what leveraging can do for you. Today a typical real estate investor can get financing as high as 95% - 97% of the purchase price. Occasionally 100% financing is available as well. But this would be totally unfair in this example to compare this with all cash purchasing.<br />
<br />
15% return sounds like a lot, but wait till you see this. Let’s assume that the rental income will cover all your expenses including the mortgage payments. Taking the same example from before your net return would be the 7% appreciation profits of your property. This would translate into a $7,000 a year profit. With a 95% financing in place you would get $7,000 return on $5,000 (your 5% down payment) invested. This is a whopping 140%<br />
return on investment.<br />
<br />
With the same $100,000 you can go out there and get 20 investment properties, finance 95% of it and make an amazing $140,000 profit a year. This beats the projected $15,000 profits with an all cash transaction any day.<br />
<br />
Of course you will have a lot of trouble to get financing for 20 properties in a single year. Typically 5-6 new rental property mortgages are the maximum lenders will allow these days. This is the signal to get creative with your financing structures.<br />
<br />
In this case sellers financing would be your key to achieve your goal of maximum leverage of your investment dollars. Despite the message from all these late night infomercials, seller financing is harder to get than they want you to make believe it is.<br />
<br />
It all depends on the seller’s ability to offer seller financing and the seller’s motivation. Only about 1 out of 20 properties for sale are able to get seller financing. That means that there’s no mortgage balance on the property. From this narrow selection the seller must be motivated to sell under these conditions. This could be tax reasons, time constraints, personal reasons and many more.<br />
<br />
As you can see this translates into a lot of work to achieve your goals. But let me tell you one thing. This separates the tire kicker real estate investors from the real go-getters. Wouldn’t you agree that a little bit of hard work and determination is well worth it to build a real estate empire?<br />
<br />
I think it is well worth the trouble and hard work. At the end of the day you keep building your real estate investment portfolio and sooner than later you will be able to cash in.<br />
<br />
<object classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" codebase="http://fpdownload.macromedia.com/get/flashplayer/current/swflash.cab" height="60px" id="Player_023ad216-33fc-4ab0-8f97-e7dc6855eb1c" width="468px"> <param NAME="movie" VALUE="http://ws.amazon.com/widgets/q?ServiceVersion=20070822&MarketPlace=US&ID=V20070822%2FUS%2Fmg041-20%2F8009%2F023ad216-33fc-4ab0-8f97-e7dc6855eb1c&Operation=GetDisplayTemplate"><param NAME="quality" VALUE="high"><param NAME="bgcolor" VALUE="#FFFFFF"><param NAME="allowscriptaccess" VALUE="always"><embed src="http://ws.amazon.com/widgets/q?ServiceVersion=20070822&MarketPlace=US&ID=V20070822%2FUS%2Fmg041-20%2F8009%2F023ad216-33fc-4ab0-8f97-e7dc6855eb1c&Operation=GetDisplayTemplate" id="Player_023ad216-33fc-4ab0-8f97-e7dc6855eb1c" quality="high" bgcolor="#ffffff" name="Player_023ad216-33fc-4ab0-8f97-e7dc6855eb1c" allowscriptaccess="always" type="application/x-shockwave-flash" align="middle" height="60px" width="468px"></embed></OBJECT> <noscript><a HREF="http://ws.amazon.com/widgets/q?ServiceVersion=20070822&MarketPlace=US&ID=V20070822%2FUS%2Fmg041-20%2F8009%2F023ad216-33fc-4ab0-8f97-e7dc6855eb1c&Operation=NoScript">Amazon.com Widgets</A></noscript> Sincerely, Peter Dobler (c) 2005 Peter Dobler is a 20+ year veteran in the IT business. He is an active Real Estate Investor and a successful Internet business owner. Learn more about real estate investments at <a href="http://www.suncoastrenttoown.com/">http://www.suncoastrenttoown.com</a> or send a blank email to <a href="mailto:suncoastrenttoown@getresponse.com">mailto:suncoastrenttoown@getresponse.com</a>
Written by: Peter DoblerAnonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com2tag:blogger.com,1999:blog-216227840691582837.post-73852567184499929232012-08-06T21:32:00.001+07:002012-08-06T22:12:13.467+07:00How to finance your business when the bank says NoDo you own a growing business that needs financing? If you are like most business owners, whenever your business needs money you head over to the bank. Unfortunately, as most small business owners soon find out, most banks do not lend money to businesses unless they have significant collateral and a history of successful operations. This presents quite a challenge for business owners. <br />
<br />
When banks are not an option, small business owners turn to what is known as the alternative financing funding market. Although the financing options discussed in this article fall under the alternative financing category, they are actually quite widely used and should be considered mainstream. Most major companies (including public companies) have used this alternative financing at one time or another during their growth history. <br />
<br />
Most of the tools described in this article can only be used by businesses that are already in operation, and whose main requirement is working capital. Although startups can benefit from these tools, the companies will need to be in operation for a little while and have a growing list of clients. <br />
<br />
<b>General Invoice <a href="http://factoring.qlfs.com/">Factoring</a> </b> <br />
<br />
Invoice factoring (also known as <a href="http://factoring.qlfs.com/html/accounts_receivable_financing.html">accounts receivable factoring</a>) is ideal for business owners who cannot afford to wait 30 to 90 days to get paid by their clients. It allows a business to sell invoices from commercial customers to a financing company for immediate payment. The financing company buys the invoices at a discount and waits for the customer to pay. <br />
<br />
The main advantage of <a href="http://factoring.qlfs.com/">factoring your invoices</a> is that the financing company makes its decision using the credit of the payer, rather than yours. That means that if you own a small company that is doing business with a large credit worthy company, you are almost certain to have the transaction approved. Another advantage of factoring is that it does not have set limits like lines of credit. The level of financing is limited only by the amount you sell to credit worthy clients. General factors can work with most industries, although there are two main industry subspecialties - freight bill factoring and medical factoring. <br />
<br />
<b><a href="http://factoring.qlfs.com/html/freight_bill_factoring_for_tru.html">Freight Bill Invoice Factoring</a></b> <br />
<br />
<a href="http://factoring.qlfs.com/html/freight_bill_factoring_for_tru.html">Trucking companies</a> tend to be very cash hungry businesses. The owners need money to pay their drivers, pay gasoline and pay suppliers. However, most trucking companies also work with a high volume of <a href="http://factoring.qlfs.com/html/freight_bill_factoring_for_tru.html">freight invoices</a> from credit worthy clients. That makes <a href="http://factoring.qlfs.com/html/freight_bill_factoring_for_tru.html">freight bill factoring</a> an ideal solution for their cash flow issues. Just like in general factoring, the factoring company buys the freight invoices from the trucking company for immediate cash.. Furthermore, the risk for these types of transactions is lower than in general factoring. This means that trucking companies can qualify for preferential financing terms. <br />
<br />
<b><a href="http://factoring.qlfs.com/html/medical_offices.html">Medica l Factoring</a></b> <br />
<br />
Most medical industry businesses (doctor's offices, hospitals, medical testing centers and medical supply companies) make the bulk of their earnings by billing 3rd party insurance companies, Medicare and Medicaid. Unfortunately, insurance companies are notorious for paying their invoices in 30 to 90 days, creating cash flow problems at the medical office. <a href="http://factoring.qlfs.com/html/medical_offices.html">Factor ing medical offices</a> is a subspecialty of general factoring. Given the complexities of the insurance industry, it usually requires the participation of a factoring company with extensive industry experience. <br />
<br />
Generally speaking, the <a href="http://factoring.qlfs.com/html/medical_offices.html">medica l factoring company</a> will provide you with financing based on your NET collectables rather then your gross collectables. They will also need to be part of the billing process, to ensure that they finance the right amounts. Due to its complexity, medical factoring is only accessible to medical businesses making at least $100,000 a month. However, if your business qualifies for it, you will find that it is a great tool to streamline your cash flow and grow. <br />
<br />
<b><a href="http://factoring.qlfs.com/html/purchase_order_financing.html">Purchase Order Funding</a> (a.k.a <a href="http://factoring.qlfs.com/html/purchase_order_financing.html">PO Financing</a>)</b> <br />
<br />
Most distributors and import/export companies tend to be very cash hungry businesses, in part because of how the sales process works. Usually, the process starts when the distributor gets a purchase order (PO) from a client. They then purchase the items from their supplier, who then drop ships it to the end customer. This works well as long as the company has enough money to pay the suppliers and wait for their clients to pay for the product. However, sometimes a payment can take up to 60 or 90 days to arrive, creating a big cash flow challenge for the distributor. Other times, the company may become too successful and get a purchase order that is too big for them to finance. In these instances, the company should consider purchase order funding financing. With <a href="http://factoring.qlfs.com/html/purchase_order_financing.html">PO financing</a>, a finance company handles your supplier payments and ensures that the goods are properly delivered. Once the client pays for the product, the transaction is settled and all parties are paid. <a href="http://factoring.qlfs.com/html/purchase_order_financing.html">PO funding</a> is a product that truly allows you to grow your company - sometimes exponentially - while using someone else's money. <br />
<br />
<br />
<br />
Copyright (C) 2006 - Commercial Capital LLC - All rights reserved. Article MAY be reproduced provided it is not modified and it is published with live links. <br />
<br />
About the author:<br />
<br />
<b>About Invoice Factoring Group</b> <br />
<br />
<a href="http://factoring.qlfs.com/">Invoice Factoring Group</a> can provide you with an <a href="http://factoring.qlfs.com/html/accounts_receivable_financing.html">accounts receivable factoring</a>, <a href="http://factoring.qlfs.com/html/purchase_order_financing.html">PO funding financing</a>,<br />
<br />
<OBJECT classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" codebase="http://fpdownload.macromedia.com/get/flashplayer/current/swflash.cab" id="Player_023ad216-33fc-4ab0-8f97-e7dc6855eb1c" WIDTH="468px" HEIGHT="60px"> <PARAM NAME="movie" VALUE="http://ws.amazon.com/widgets/q?ServiceVersion=20070822&MarketPlace=US&ID=V20070822%2FUS%2Fmg041-20%2F8009%2F023ad216-33fc-4ab0-8f97-e7dc6855eb1c&Operation=GetDisplayTemplate"><PARAM NAME="quality" VALUE="high"><PARAM NAME="bgcolor" VALUE="#FFFFFF"><PARAM NAME="allowscriptaccess" VALUE="always"><embed src="http://ws.amazon.com/widgets/q?ServiceVersion=20070822&MarketPlace=US&ID=V20070822%2FUS%2Fmg041-20%2F8009%2F023ad216-33fc-4ab0-8f97-e7dc6855eb1c&Operation=GetDisplayTemplate" id="Player_023ad216-33fc-4ab0-8f97-e7dc6855eb1c" quality="high" bgcolor="#ffffff" name="Player_023ad216-33fc-4ab0-8f97-e7dc6855eb1c" allowscriptaccess="always" type="application/x-shockwave-flash" align="middle" height="60px" width="468px"></embed></OBJECT> <NOSCRIPT><A HREF="http://ws.amazon.com/widgets/q?ServiceVersion=20070822&MarketPlace=US&ID=V20070822%2FUS%2Fmg041-20%2F8009%2F023ad216-33fc-4ab0-8f97-e7dc6855eb1c&Operation=NoScript">Amazon.com Widgets</A></NOSCRIPT>Anonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com0tag:blogger.com,1999:blog-216227840691582837.post-22197098210621924342012-08-06T21:30:00.001+07:002012-08-06T22:14:40.655+07:00Finance Tips<div class="txt">Here are some useful finance tips to get you started on the right path to your finance success. Knowing how to secure your financial well-being is one of the most important things you'll ever need in life. You don't have to be a genius to do it. You just need to know a few basics, form a plan, and be ready to stick to it. No matter how much or little money you have, the important thing is to educate yourself about your opportunities. <br />
<br />
There is no guarantee that you'll make money from investments you make. But if you get the facts about saving and investing and follow through with an intelligent plan, you should be able to gain financial security over the years and enjoy the benefits of managing your money. <br />
<br />
No one is born knowing how to save or to invest. Every successful investor starts with the basics. A few people may stumble into financial security - a wealthy relative may die, or a business may take off. For most people however, the only way to attain financial security is to save and invest over a long period of time. Time after time, people of even modest means who begin the journey reach financial security and all that it promises: buying a home, educational opportunities for their children, and a comfortable retirement. If they can do it, so can you. <br />
<br />
Your "savings" are usually put into the safest places or products that allow you access to your money at any time such as a savings accounts. But there's a price to pay for security and ready availability. Your money earns less interest as it works for you. <br />
<br />
Most smart investors put enough money in a savings product to cover an emergency, like sudden unemployment. Some make sure they have up to six months of their income in savings so that they know it will absolutely be there for them when they need it. <br />
<br />
But how "safe" is a savings account if you leave all your money there for a long time, and the interest it earns doesn't keep up with inflation? Let's say you save a pound when it can buy a loaf of bread. But years later when you withdraw that pound plus the interest you earned, it might only be able to buy half a loaf. That is why many people put some of their money in savings, but look to investing so they can earn more over long periods of time, say three years or longer. <br />
<br />
You may prefer to invest your money in order to achieve a higher return compared to savings but you should be aware that when you "invest," you have a greater chance of losing your money than when you "save." You could lose your "principal," which is the amount you've invested. That's true even if you purchase your investments through a bank. But when you invest, you also have the opportunity to earn more money than when you save. <br />
<br />
All investments involve taking on risk. It's important that you go into any investment in stocks, bonds or mutual funds with a full understanding that you could lose some or all of your money in any one investment. <br />
<br />
You may freely reprint this article provided the author's biography remains intact: </div>About the Author <br />
John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the <a href="http://www.directonlineloans.co.uk/">www.directonlineloans.co.uk</a> website. <br />
<br />
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Written by: John MussiAnonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com0tag:blogger.com,1999:blog-216227840691582837.post-72139898822496563082012-08-06T21:28:00.002+07:002012-08-06T22:16:41.389+07:00Best Finance GuideImagine you need to look great to get all the attention at the biggest party of the year. The cloak has already started ticking and you have got 7 days to fix yourself for the D-Day. If you can take out 15 to 30 minutes in the next few days, you can be ready for action.<br />
<br />
Step 1:<br />
<br />
Exercise: Start with skipping and jogging and chin-ups by hanging from a rod for warming up.<br />
<br />
Two steps of crunches or sit-ups for strengthening and toning your abdominal muscles.<br />
<br />
Then go for Flat bench press and dumbbell flyers for the entire chest area, focusing mainly on the inner chest and followed by 2 sets of push-ups.<br />
<br />
Work on your trapezium for the collar muscle and shoulder pressing.<br />
<br />
For biceps the exercise to be followed is standing barbell curl.<br />
<br />
Next you can work out on your Triceps with Single dumbbell or French press and fore forearms.<br />
<br />
Skipping will have an effect on your legs, other wise you can go for Squats and back with lat pull down.<br />
<br />
Step 2:<br />
<br />
Diets are just as important as exercise, because it is the most important part of getting the body you want. You have to eat good to look good. You need protein, and you don't need fat. Stay away from junk and fatty foods. Not all fat is bad; there is a healthy fat. This fat can be found in fish, Nuts and some oils. Have Lots of fibers such as leafy vegetables, salads and daily products.<br />
<br />
Step 3: The results though wont come easily and they wont come very fast either, So Stay dedicated, motivated and consistent, and do all 3 steps correctly to get the desired result.<br />
<br />
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About the Author
Venkata Ramana is a Fitness Enthusiast and a Professional Body Builder. Visit his <a href="http://www.awbodybuilding.com/">http://www.awbodybuilding.com/</a> and <a href="http://www.awweightloss.com/">http://www.awweightloss.com/</a> websites and gain maximum Information to stay fit and healthy.<br />
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Written by: Venkata RamanaAnonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com0tag:blogger.com,1999:blog-216227840691582837.post-71905103850947622002012-08-06T21:27:00.001+07:002012-08-06T22:31:04.165+07:00How to Finance a Small Business<div class="txt">Confused by how to finance a small business? One key to a successful business start-up and expansion is your ability to obtain and secure appropriate financing.<br />
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Raising capital is the most basic of all business activities. But as many new entrepreneurs quickly discover, raising capital may not be easy; in fact, it can be a complex and frustrating process. However, if you are informed and have planned effectively, raising money for your business will not be a painful experience.<br />
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This guide focuses on ways a small business can raise money.<br />
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There are several sources to consider when looking for financing. It is important to explore all of your options before making a decision.<br />
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Personal savings: The primary source of capital for most new businesses comes from savings and other forms of personal resources. While credit cards are often used to finance business needs, there may be better options available, even for very small loans.<br />
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Friends and relatives: Many entrepreneurs look to private sources such as friends and family when starting out in a business venture. Often, money is loaned interest free or at a low interest rate, which can be beneficial when getting started.<br />
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Banks: The most common source of funding, banks, will provide a loan if you can show that your business proposal is sound.<br />
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Venture capital firms: These firms help expanding companies grow in exchange for equity or partial ownership.<br />
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It is often said that small business people have a difficult time borrowing money. This is not necessarily true.<br />
<br />
Banks make money by lending money. However, the inexperience of many small business owners in financial matters often prompts banks to deny loan requests.<br />
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Requesting a loan when you are not properly prepared sends a signal to your lender. That message is: "High Risk!"<br />
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To be successful in obtaining a loan, you must be prepared and organized. You must know exactly how much money you need, why you need it, and how you will pay it back. You must be able to convince your lender that you are a good credit risk.<br />
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You may freely reprint this article provided the author's biography remains intact: </div>About the Author <br />
John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the <a href="http://www.directonlineloans.co.uk/">www.directonlineloans.co.uk</a> website. <br />
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Written by: John MussiAnonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com0tag:blogger.com,1999:blog-216227840691582837.post-17377398494480701222012-08-06T21:23:00.003+07:002012-08-06T22:32:03.286+07:00Finance is for EveryoneMoney makes the world go round, as they say, and while the whole world is full of those crisp or wilted paper bills it seems that they like to slip right through our hands so quickly. <br />
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People who know how to make a dollar or two with ease enter the world of finance, which is the business of managing your money and your other assets. If you've got a bank account, finance is involved. <br />
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If you're considering an investment to support your future, you're thinking in terms of finance. Maybe it's on our minds 24/7. After all, we need money to survive, and most of our lives is spent on making it. Not just stockbrokers or bankers or investors, the so-called money-jugglers of society. <br />
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The thing is, finance is really for everyone. If you've got money, then you have to involve your brain in the act of finance or money-managing to get the most bang for your buck. Otherwise, you will splurge and you will wonder where in the world the money went. <br />
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The best time to start learning about finance is the time you start to receive money. Think about it. When you received a check in the mail from your grandma as your birthday present, weren't you already thinking of what you were going to spend it all on? <br />
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That is the essence of finance, although that very act may have been insensible and financially disagreeable; hey, you were just a kid, after all. <br />
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Maybe you were a smart kid, one who knew how money goes. Maybe you've stashed it in your secret hiding place. Maybe you started to go into business by selling lemonade (although maybe you drank more than half of it too). Maybe you gave some away to your favorite charity. Yup, that was finance too. We all know better now, don't we? <br />
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It hasn't changed much; we go out to make money, we spend some, we save some, until we have enough to make a couple of major purchases such as homes or vacations. Only we know a bit more. And we've understood more of the finance jargon that sometimes rolls on the tongue. <br />
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Investments. Assets. Loans. Benefits. Mortgage. Insurance. Knowlege is power, as they say, and knowledge on how to finance will lead you to finance greater amounts of money in the future. So study up. Take finance management classes. Follow the stock market. Listen in on discussions. <br />
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Finance also includes self-discipline. Sometimes you have to keep yourself from small pleasures in order to attain the bigger more important things. Finance means that you need to set your priorities straight. Sacrifice may seem like a lot at the moment but the end will justify the means. <br />
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Finance is planning ahead. For your future. For your future's future. For your financial safety and stability. Because it is a very difficult thing to get by in this world without the proper resources. It is preparation for the unknown. Managing your finances mean decreasing the number of worry lines on your face. <br />
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So if you've got money, if you're planning to make money, or if you're thinking about money, well then, you're thinking about finance. Just keep in mind not just to think about finance, but to think about it wisely, too. <br />
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About the author:<br />
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James Monahan is the owner and Senior Editor of <a href="http://www.financewebs.com/">FinanceWebs.com</a> and writes expert articles about <a href="http://www.financewebs.com/">finances</a>. <br />
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Written by: James MonahanAnonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com0tag:blogger.com,1999:blog-216227840691582837.post-52935843444650845582012-08-06T21:22:00.001+07:002012-08-06T22:33:58.467+07:00Basic Tips on Personal FinanceDo you ever wonder where your money goes every month? Does it sometimes seem as though you cannot afford to do things because your financial obligations are holding you back? If you find that you are asking yourself these sorts of questions, perhaps you should take a look at your financial situation and assess whether you are practicing good personal finance management or not. Good personal finance management spends within their income, plan for the future and solve financial problems as they arise. Poor personal finance management pay more, do without and fall behind. If you find yourself in the second category, you can do something about it. You can learn to take charge of your finances by planning your personal finances. <br />
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Planning your personal finances doesn't always come naturally, and even if you're just beginning to take your financial matters seriously, then you likely need a few personal finance tips. <br />
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Evaluate your current financial situation. One of the most important goals for most people is financial independence. Collect accurate information about your personal financial situation. Calculate your net worth which includes the real estate, saving and retirement accounts, and all other assets. This will help you decide how much money you can set aside for meeting future needs and goals. <br />
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A basic personal finance tip is to make a budget. A personal finance budget is information made up of your income and expenses and the more accurate this information is, the more likely you are be able to meet your goals and realize your dreams. A personal finance budget should be made for at most one year at a time and include a list of your monthly expenses. <br />
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All expenses must be included. To be sure of that go through all your paid bills, check register and credit card receipts to find expenditures that recur every month and expenditures that happen less frequently. Personal finance budgeting requires some small sacrifices. To be able to make good personal financial decisions and set priorities, you must know where your money is actually going. Start your budget and accomplish your goals. <br />
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Get an electronic bill pay. This is a very convenient way to pay your bills. You pay them electronically, by direct withdrawal from your bank account. The transaction is processed immediately. You can even link your bill pay service to your personal finance budget, so that your expenditures are automatically entered in the appropriate category. Personal financial management can be really easy. <br />
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Make an investment and finance plan. Now that the fundamental state of your personal financial security has been established, the time has come for the more prosperous part of your personal financial life. You need to make a personal finance plan of what you really want in life that money can buy. Your personal financial plan can be as simple or as detailed as you want it to be. Find out how to finally start to implement this plan and get the money to finance it. This is the long term part of your financial. This journey is the most interesting and exciting part of personal financing you can have toward financial freedom. <br />
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You can prepare for a secure personal financial future by following these simple tips. When you take control with your money, you don't have to worry about debt taking control of you. <br />
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About the author:<br />
<br />
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Oyvind Hennum runs the site <a href="http://www.financial-freedom-made-simple.com/">http://www.financial-freedom-made-simple.com/ </a>
A large free resource directory containing book reviews, articles, biographies, motivational quotes, affirmations, practical tips, budgeting advice, success tests and free e-books.
About the author:
About the author:
Oyvind Hennum runs the site <a href="http://www.financial-freedom-made-simple.com/">http://www.financial-freedom-made-simple.com/ </a>
<br />
A large free resource directory containing book reviews, articles, biographies, motivational quotes, affirmations, practical tips, budgeting advice, success tests and free e-books. <br />
<br />
Written by: Oyvind HennumAnonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com0tag:blogger.com,1999:blog-216227840691582837.post-55164679016597078252012-08-06T21:19:00.001+07:002012-08-06T22:33:04.073+07:0010 Easy Ways To Organize Your Business Finances<div class="txt style1"></div><div class="txt">Whether you are a new entrepreneur or a more experienced business owner, taking control of your finances can feel like a part-time job. Some simple tips can help you streamline your time, organize your finances and reduce the stress of business money matters. <br />
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1. Keep Your Bills in One Place <br />
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When the mail comes, make sure it goes in one place. Misplaced bills can be the cause of unwanted late fees and can damage your credit rating. Whether it's a drawer, a box, or a file, be consistent. Size is also important. If you get a lot of mail, use an area that won't get filled up too quickly. <br />
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2. Pay Your Bills on Schedule <br />
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Bill paying can be simplified if it's done at scheduled times during the month. Depending on how many bills you receive, you can establish set times each month when none of your bills will be late. If you're paying bills as you receive them, chances are you're spending too much time in front of the checkbook. Although bills may state "Payable Upon Receipt", there's always a grace period. Call the creditor to find out when they need to receive payment before the bill is considered late. <br />
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3. Read Your Credit Card Statements <br />
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Most people take advantage of low interest credit card offers but never read their statements when paying the bill. Credit cards are notorious for using low interest as bait for new customers then switching to higher rates after a few months. Make a habit of looking at your statement carefully to see what interest rate you are paying each month and if any transaction fees have been applied. If the rate increases or a transaction fee appears on your statement, a simple call to the credit card company can oftentimes be beneficial in resolving the matter. If not, try to switch your money to a more favorable rate. <br />
<br />
4. Take Advantage of Automatic Payments <br />
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Most banks offer a way to automatically deduct money from your account to pay creditors. In addition, the creditors usually offer a lower interest rate when you sign up for this payment option because they get their money faster and on-time. Consider it as one fewer check to write, envelope to lick and stamp to buy. Just make sure you record the deduction when the automatic payment is scheduled or you run the risk of bouncing other checks. <br />
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5. Computerize Your Checkbook <br />
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Using a software program is a handy way to organize your finances. Whether it's Quicken(r), Microsoft Money(r) or another package, these easy-to-use programs make bill paying and bank reconciliation a cinch. Computer checks can be ordered almost anywhere and fit right into most printers. Once the checks are printed, all of the information is automatically recorded in your electronic checkbook. Furthermore, many banks have direct downloads into these software packages so when money is deposited or withdrawn, the transaction is entered immediately onto your computer. And, when it comes time to do taxes, it couldn't be easier. <br />
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6. Get Overdraft Protection <br />
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Most banks have a service where, if you run the risk of bouncing a check, the money will come from another source. For a nominal fee, the bank will link your checking account to either a savings, money market, or credit card so the embarrassment of bouncing a check will be avoided. Call or visit your bank to learn about this convenient feature. <br />
<br />
7. Cancel Unused Accounts <br />
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Whether it's a credit card or bank account, write a letter requesting that the account is formally closed. Not only will this improve your credit score, it is a useful way to avoid money from being scattered all over the place. Don't let department stores and credit card companies lure you into opening new accounts by offering favorable interest rates and purchase discounts. It's easy for credit to get out of hand by taking advantage of every credit offer that comes your way. <br />
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8. Consolidate Your Accounts <br />
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If you have several credit card accounts with outstanding balances, try to consolidate them into one. Be careful and check the balance transfer interest rates and one-time fees. Also, make a list of all your open Money Markets, Savings, CDs, IRAs, Mutual Funds, and other accounts to see if any consolidation can be done. Keeping your money in fewer places eliminates all of the guesswork involved and reduces errors. <br />
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9. Establish Automatic Savings <br />
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Create a link from your checking account into a savings account that will not be touched. This can usually be done through the banks and automatic amounts will be transferred over each month. Most people will not put money into a savings account on a regular basis. They may wait until a large tax refund check arrives or some other event to actually deposit money into savings, retirement or other accounts. If you establish an automatic savings deposit every month, your accounts will begin accumulating money faster than you think. <br />
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10. Clean up Your Files <br />
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Make sure your paid bills are organized in a filing cabinet. Keep individual files for paid bills. Go through your files at the end of each year and throw out bills and receipts no longer needed for auditing purposes. Contact your local IRS office to see how long records need to be kept for audits. Usually federal tax return audits can be done three years back but cancelled checks may need to be kept for seven. Consult the Internet for auditing and records-keeping procedures for your state or region. <br />
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(c) 2005 DebtGuru.com(r). This article may be freely distributed as long as the signature file and active link are included. <br />
<br />
About the author:<br />
<br />
Michael G. Peterson is the Vice President of American Credit Foundation, an IRS 501 (c)(3) non-profit consumer credit counseling organization that has assisted thousands of individuals and families with their financial situations through seminars, education, counseling services, and, debt management plans. For more information, and free consumer resources visit <a href="http://www.debtguru.com/">http://www.debtguru.com</a>. <br />
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Written by: Michael G. Peterson</div><br />
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class="titel"><a href="http://www.gameskeren.com/main/dragon+ball+z/dragon+ball+z+2.html" title="Dragon Ball Z 2">Dragon Ball Z 2</a></div><div class="screen"><a href="http://www.gameskeren.com/main/dragon+ball+z/dragon+ball+z+2.html" title="Dragon Ball Z 2"><img alt="Dragon Ball Z 2" height="123" src="http://cdn.gamepilot.com/data/1/9/0/19047.jpg" width="200" /></a></div></div><div class="box"><div class="titel"><a href="http://www.gameskeren.com/main/dragon+ball+z/dragon+ball+z+tournament.html" title="Dragon Ball Z Tournament">Dragon Ball Z Tournament</a></div><div class="screen"><a href="http://www.gameskeren.com/main/dragon+ball+z/dragon+ball+z+tournament.html" title="Dragon Ball Z Tournament"><img alt="Dragon Ball Z Tournament" height="123" src="http://cdn.gamepilot.com/data/0/4/1/4153.jpg" width="200" /></a></div></div></div><div class="gamebox"><div class="box"><div class="titel"><a href="http://www.gameskeren.com/main/dragon+ball+z/dragon+ball+fighting.html" title="Dragon Ball Fighting">Dragon Ball Fighting</a></div><div class="screen"><a href="http://www.gameskeren.com/main/dragon+ball+z/dragon+ball+fighting.html" title="Dragon Ball Fighting"><img alt="Dragon Ball Fighting" height="123" src="http://cdn.gamepilot.com/data/1/7/3/17324.jpg" width="200" /></a></div></div><div class="box"><div class="titel"><a href="http://www.gameskeren.com/main/dragon+ball+z/dragon+ball+coins.html" title="Dragon Ball Coins">Dragon Ball Coins</a></div><div class="screen"><a href="http://www.gameskeren.com/main/dragon+ball+z/dragon+ball+coins.html" title="Dragon Ball Coins"><img alt="Dragon Ball Coins" height="123" src="http://cdn.gamepilot.com/data/0/4/1/4152.jpg" width="200" /></a></div></div><div class="box"><div class="titel"><a href="http://www.gameskeren.com/main/dragon+ball+z/comic+stars+fighting.html" title="Comic Stars Fighting">Comic Stars Fighting</a></div><div class="screen"><a href="http://www.gameskeren.com/main/dragon+ball+z/comic+stars+fighting.html" title="Comic 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src="http://cdn.gamepilot.com/data/2/0/7/20718.jpg" width="200" /></a></div></div><div class="box"><div class="titel"><a href="http://www.gameskeren.com/main/dragon+ball+z/dragon+ball+dress+up.html" title="Dragon Ball Dress Up">Dragon Ball Dress Up</a></div><div class="screen"><a href="http://www.gameskeren.com/main/dragon+ball+z/dragon+ball+dress+up.html" title="Dragon Ball Dress Up"><img alt="Dragon Ball Dress Up" height="123" src="http://cdn.gamepilot.com/data/1/6/8/16868.jpg" width="200" /></a></div></div></div><div class="gamebox"><div class="box"><div class="titel"><a href="http://www.gameskeren.com/main/dragon+ball+z/dragon+ball+z%3A+village.html" title="Dragon Ball Z: Village">Dragon Ball Z: Village</a></div><div class="screen"><a href="http://www.gameskeren.com/main/dragon+ball+z/dragon+ball+z%3A+village.html" title="Dragon Ball Z: Village"><img alt="Dragon Ball Z: Village" height="123" src="http://cdn.gamepilot.com/data/1/6/9/16983.jpg" width="200" /></a></div></div><div 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Z Dress Up</a></div><div class="screen"><a href="http://www.gameskeren.com/main/dragon+ball+z/dragon+ball+z+dress+up.html" title="Dragon Ball Z Dress Up"><img alt="Dragon Ball Z Dress Up" height="123" src="http://cdn.gamepilot.com/data/1/9/2/19266.jpg" width="200" /></a></div></div><div class="box"><div class="titel"><a href="http://www.gameskeren.com/main/dragon+ball+z/dragon+ball+z+power+level.html" title="Dragon Ball Z Power Level">Dragon Ball Z Power Level</a></div><div class="screen"><a href="http://www.gameskeren.com/main/dragon+ball+z/dragon+ball+z+power+level.html" title="Dragon Ball Z Power Level"><img alt="Dragon Ball Z Power Level" height="123" src="http://cdn.gamepilot.com/data/0/8/0/8062.jpg" width="200" /></a></div></div><div class="box"><div class="titel"><a href="http://www.gameskeren.com/main/dragon+ball+z/dragonball+z+mission+to+namek.html" title="Dragonball Z Mission to Namek">Dragonball Z Mission to Namek</a></div><div class="screen"><a 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alt="Dragon Ball Z" height="123" src="http://cdn.gamepilot.com/data/0/5/7/5780.jpg" width="200" /></a></div></div><div class="box"><div class="titel"><a href="http://www.gameskeren.com/main/dragon+ball+z/dragon+ball+z+memory+.html" title="Dragon Ball Z Memory ">Dragon Ball Z Memory </a></div><div class="screen"><a href="http://www.gameskeren.com/main/dragon+ball+z/dragon+ball+z+memory+.html" title="Dragon Ball Z Memory "><img alt="Dragon Ball Z Memory " height="123" src="http://cdn.gamepilot.com/data/1/9/6/19624.jpg" width="200" /></a></div></div></div><div class="gamebox"><div class="box"><div class="titel"><a href="http://www.gameskeren.com/main/dragon+ball+z/dragonball+z%3A+defender.html" title="Dragonball Z: Defender">Dragonball Z: Defender</a></div><div class="screen"><a href="http://www.gameskeren.com/main/dragon+ball+z/dragonball+z%3A+defender.html" title="Dragonball Z: Defender"><img alt="Dragonball Z: Defender" height="123" src="http://cdn.gamepilot.com/data/2/0/7/20720.jpg" width="200" /></a></div></div><div class="box"><div class="titel"><a href="http://www.gameskeren.com/main/dragon+ball+z/dragon+ball+z+-+breakout.html" title="Dragon Ball Z - Breakout">Dragon Ball Z - Breakout</a></div><div class="screen"><a href="http://www.gameskeren.com/main/dragon+ball+z/dragon+ball+z+-+breakout.html" title="Dragon Ball Z - Breakout"><img alt="Dragon Ball Z - Breakout" height="123" src="http://cdn.gamepilot.com/data/2/0/4/20480.jpg" width="200" /></a></div></div><div class="box"><div class="titel"><a href="http://www.gameskeren.com/main/dragon+ball+z/goku+dressup.html" title="Goku DressUp">Goku DressUp</a></div><div class="screen"><a href="http://www.gameskeren.com/main/dragon+ball+z/goku+dressup.html" title="Goku DressUp"><img alt="Goku DressUp" height="123" src="http://cdn.gamepilot.com/data/1/9/8/19848.jpg" width="200" /></a></div></div></div><div class="gamebox"><div class="box"><div class="titel"><a 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<OBJECT classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" codebase="http://fpdownload.macromedia.com/get/flashplayer/current/swflash.cab" id="Player_4b417753-b213-40f0-bb2a-f151105c9b43" WIDTH="250px" HEIGHT="250px"> <PARAM NAME="movie" VALUE="http://ws.amazon.com/widgets/q?rt=tf_ssw&ServiceVersion=20070822&MarketPlace=US&ID=V20070822%2FUS%2Fmg041-20%2F8003%2F4b417753-b213-40f0-bb2a-f151105c9b43&Operation=GetDisplayTemplate"><PARAM NAME="quality" VALUE="high"><PARAM NAME="bgcolor" VALUE="#FFFFFF"><PARAM NAME="allowscriptaccess" VALUE="always"><embed src="http://ws.amazon.com/widgets/q?rt=tf_ssw&ServiceVersion=20070822&MarketPlace=US&ID=V20070822%2FUS%2Fmg041-20%2F8003%2F4b417753-b213-40f0-bb2a-f151105c9b43&Operation=GetDisplayTemplate" id="Player_4b417753-b213-40f0-bb2a-f151105c9b43" quality="high" bgcolor="#ffffff" name="Player_4b417753-b213-40f0-bb2a-f151105c9b43" allowscriptaccess="always" type="application/x-shockwave-flash" align="middle" height="250px" width="250px"></embed></OBJECT> <NOSCRIPT><A HREF="http://ws.amazon.com/widgets/q?rt=tf_ssw&ServiceVersion=20070822&MarketPlace=US&ID=V20070822%2FUS%2Fmg041-20%2F8003%2F4b417753-b213-40f0-bb2a-f151105c9b43&Operation=NoScript">Amazon.com Widgets</A></NOSCRIPT>Anonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com0tag:blogger.com,1999:blog-216227840691582837.post-23257641688915644862012-08-04T21:49:00.001+07:002012-08-04T22:05:36.278+07:00Featured free games<ol><li> <a href="http://www.gameskeren.com/permainan/masak" title="Permainan Memasak"> <img alt="Permainan Memasak" height="37" src="http://cdn.gamepilot.com/data/1/6/1/16151_mini.jpg" width="50" /> </a> <a href="http://www.gameskeren.com/permainan/mahjong" title="Permainan Mahjong"> <img alt="Permainan Mahjong" height="37" src="http://cdn.gamepilot.com/data/0/3/6/3612_mini.jpg" width="50" /> </a> <a href="http://www.gameskeren.com/permainan/mario" title="Permainan Mario"> <img alt="Permainan Mario" height="37" src="http://cdn.gamepilot.com/data/1/6/9/16957_mini.jpg" width="50" /> </a> <a href="http://www.gameskeren.com/permainan/lompatan+motor" title="Permainan Motor"> <img alt="Permainan Motor" height="37" src="http://cdn.gamepilot.com/data/1/5/5/15593_mini.jpg" width="50" /> </a> <a href="http://www.gameskeren.com/permainan/mobil" title="Permainan Mobil"> <img alt="Permainan Mobil" height="37" src="http://cdn.gamepilot.com/data/1/2/4/12495_mini.jpg" width="50" /> </a> </li>
<li><h2>Permainan baru!</h2></li>
<li><a href="http://www.gameskeren.com/permainan/pemadam+kebakaran" title="Fire Man Sam's Fire Truck"> <img alt="Fire Man Sam's Fire Truck" height="75" src="http://cdn.gamepilot.com/data/2/1/6/21678.jpg" width="100" /> Fire Man Sam's Fire Truck </a> <a href="http://www.gameskeren.com/permainan/rugby" title="Rugby Kicking Game"> <img alt="Rugby Kicking Game" height="75" src="http://cdn.gamepilot.com/data/2/1/6/21684.jpg" width="100" /> Rugby Kicking Game </a> <a href="http://www.gameskeren.com/permainan/lompatan+motor" title="Uphill Rush 3"> <img alt="Uphill Rush 3" height="75" src="http://cdn.gamepilot.com/data/2/1/6/21691.jpg" width="100" /> Uphill Rush 3 </a> <a href="http://www.gameskeren.com/permainan/mahjong" title="Ranch Connect 2"> <img alt="Ranch Connect 2" height="75" src="http://cdn.gamepilot.com/data/2/1/6/21603.jpg" width="100" /> Ranch Connect 2 </a> <a href="http://www.gameskeren.com/permainan/tempur+udara" title="Pacific War"> <img alt="Pacific War" height="75" src="http://cdn.gamepilot.com/data/2/1/6/21672.jpg" width="100" /> Pacific War </a> <a href="http://www.gameskeren.com/permainan/bidik+dan+lontarkan" title="The Sky Sheep"> <img alt="The Sky Sheep" height="75" src="http://cdn.gamepilot.com/data/2/1/6/21671.jpg" width="100" /> The Sky Sheep </a> <a href="http://www.gameskeren.com/permainan/anjing" title="Cute Dog Contest"> <img alt="Cute Dog Contest" height="75" src="http://cdn.gamepilot.com/data/2/1/6/21661.jpg" width="100" /> Cute Dog Contest </a> <a href="http://www.gameskeren.com/permainan/kasih+sayang" title="Kissing Fun: Justin Selena"> <img alt="Kissing Fun: Justin Selena" height="75" src="http://cdn.gamepilot.com/data/2/1/3/21379.jpg" width="100" /> Kissing Fun: Justin Selena </a> <a href="http://www.gameskeren.com/permainan/dragon+ball+z" title="Comic Stars Fighting 3 "> <img alt="Comic Stars Fighting 3 " height="75" src="http://cdn.gamepilot.com/data/2/1/6/21692.jpg" width="100" /> Comic Stars Fighting 3 </a> <a href="http://www.gameskeren.com/permainan/pemadam+kebakaran" title="Fire Man Sam's Fire Truck"> <img alt="Fire Man Sam's Fire Truck" height="75" src="http://cdn.gamepilot.com/data/2/1/6/21678.jpg" width="100" /> Fire Man Sam's Fire Truck </a> <a href="http://www.gameskeren.com/permainan/rugby" title="Rugby Kicking Game"> <img alt="Rugby Kicking Game" height="75" src="http://cdn.gamepilot.com/data/2/1/6/21684.jpg" width="100" /> Rugby Kicking Game </a> <a href="http://www.gameskeren.com/permainan/lompatan+motor" title="Uphill Rush 3"> <img alt="Uphill Rush 3" height="75" src="http://cdn.gamepilot.com/data/2/1/6/21691.jpg" width="100" /> Uphill Rush 3 </a> <a href="http://www.gameskeren.com/permainan/mahjong" title="Ranch Connect 2"> <img alt="Ranch Connect 2" height="75" src="http://cdn.gamepilot.com/data/2/1/6/21603.jpg" width="100" /> Ranch Connect 2 </a> <a href="http://www.gameskeren.com/permainan/tempur+udara" title="Pacific War"> <img alt="Pacific War" height="75" src="http://cdn.gamepilot.com/data/2/1/6/21672.jpg" width="100" /> Pacific War </a> <a href="http://www.gameskeren.com/permainan/bidik+dan+lontarkan" title="The Sky Sheep"> <img alt="The Sky Sheep" height="75" src="http://cdn.gamepilot.com/data/2/1/6/21671.jpg" width="100" /> The Sky Sheep </a> <a href="http://www.gameskeren.com/permainan/anjing" title="Cute Dog Contest"> <img alt="Cute Dog Contest" height="75" src="http://cdn.gamepilot.com/data/2/1/6/21661.jpg" width="100" /> Cute Dog Contest </a> <a href="http://www.gameskeren.com/permainan/kasih+sayang" title="Kissing Fun: Justin Selena"> <img alt="Kissing Fun: Justin Selena" height="75" src="http://cdn.gamepilot.com/data/2/1/3/21379.jpg" width="100" /> Kissing Fun: Justin Selena </a> <a href="http://www.gameskeren.com/permainan/dragon+ball+z" title="Comic Stars Fighting 3 "> <img alt="Comic Stars Fighting 3 " height="75" src="http://cdn.gamepilot.com/data/2/1/6/21692.jpg" width="100" /> Comic Stars Fighting 3 </a> </li>
</ol>Anonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com0tag:blogger.com,1999:blog-216227840691582837.post-11724550672454095102012-07-27T20:44:00.001+07:002012-07-27T20:49:59.648+07:00Laos Government Allows Unique Gathering for Unicity International Grand Opening<a href="http://www.mlmconnects.com/featuredArticles.php" target="_self"></a><br />
<div class="container_12"><div class="grid_12 marginTop15 minHeight300"><div class="marginTop20 ColorGrey padding20 minHeight300"><div class="logoFix mlmcButton"><a href="http://www.mlmconnects.com/featuredArticles.php" target="_self"></a></div></div></div></div><div class="container_12"><div class="grid_12 marginTop15 minHeight300"><div class="marginTop20 ColorGrey padding20 minHeight300"><div class="logoFix mlmcButton"><a href="http://www.mlmconnects.com/featuredArticles.php" target="_self"></a></div></div></div></div><table class="subPgLogo marginCenter" style="background: url(img/featuredArticlesLOGO.png);"><tbody> </tbody></table><table class="subPgLogo marginCenter" style="background: url(img/featuredArticlesLOGO.png);"><tbody>
<tr><td class="subPgLogoTitlePosition"><span class="subPgLogoTitle"></span></td> </tr>
</tbody></table><a href="http://www.mlmconnects.com/featuredArticles.php" target="_self"> </a> <div class="subPageContentContainer"> <div class="subPgListing padding10" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"> <div class="subPageHeader paddingBottom5"><a href="http://www.mlmconnects.com/netterblogger-1%20%20" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;" target="_blank"><img alt="+" class="floatLeft marginRight15 marginBottom10" height="133" src="http://www.mlmconnects.com/images/articles/1.jpg" width="200" /></a>Laos Government Allows Unique Gathering for Unicity International Grand Opening</div><div class="subPageDesc contentJustify"> </div>Unicity's grand opening of the Laos market receives support from the Laotian people.<br />
Salt Lake City, Utah / Vientiane, Laos - June 11, 2012<br />
Unicity, a global leader in healthcare products, recently opened the new market of Laos with a standing-room-only event held in Vientiane, Laos. Hundreds of Lao people, as well as top Unicity Franchise Partners, were excited to witness the ribbon cutting as Unicity continued its mission to Make Life Better.<br />
Local government regulations typically don’t allow for more than three to five people to assemble, making this event a unique experience. Special care was given to follow Lao regulations, but it was clear there were many Lao people who wanted to show their strong commitment to Make Life Better with Unicity.<br />
Also present at the event was Christopher Kim, President of Unicity Asia-Pacific, as well as Rasa Comeban, Unicity’s top-selling franchise owner. The two leaders led the cutting of the ribbon ceremony.<br />
Following the ribbon cutting, the first Unicity Seminar for Laos was held with an amazing crowd of over 1,200 people. Those attending had difficulty holding back their typical loud cheers of excitement, as Lao regulations prevented them from making too much noise.<br />
“It is very exciting to open the Laos market. We know we can improve the lives of the Lao people through Unicity’s products and opportunity.” Said Christopher Kim following the event. “Opening the Laos market is the first step for us to reach Indo-China markets such as Vietnam, Cambodia, and even some parts of China.”<br />
The grand opening of Laos follows several years of record-breaking sales for Unicity in Thailand. Products like Bios Life SX (similar to Bios Life Slim) have become favorites for people who struggle with weight and blood sugar problems.<br />
Unicity’s move to Laos will continue their mission to Make Life Better by bringing the Lao people products which help with a variety of health problems such as <a href="http://www.unicity.net/usa/en/products/bios-life-slim" target="_blank" title="Bios Life Slim for Glucose Management">glucose management</a> and weight loss.<br />
To learn more about Unicity’s global mission to Make Life Better, visit <a href="http://www.unicity.net/" target="_blank">http://www.unicity.net</a>.<br />
<strong>About Unicity International</strong><br />
Unicity is a worldwide leader in nutritional and personal care products. The company’s mission to Make Life Better helps people look better, feel better, and live better. Recent products like Bios Life Matcha and Bios Life Slim G help people by providing natural energy and help manage their blood sugar and glucose levels. To learn more about Unicity and its products, visit Unicity.net.</div></div><table class="subPgLogo marginCenter" style="background: url(img/featuredArticlesLOGO.png);"><tbody>
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</div></div></div>Anonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com0tag:blogger.com,1999:blog-216227840691582837.post-31535823120337357142012-07-25T16:07:00.000+07:002012-07-25T16:07:47.806+07:00Syntek Global , USA a Growing Billion Dollar Multinational Direct SalesHelp Others to Save money.<br />
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Syntek Global , USA a Growing Billion Dollar Multinational Direct Sales Company finally launching India in few Days with a break through product in Trillion dollar Global fuel market through network marketing.The product is not lotion, potion, juice , it is a product that need every body , every day that helps to save money.The compensation plan rewards 8 massive incomes.The company is Registered in India, Member of WFDSA.<br />
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Their Proven Product X-treme Fuel Treatment(for Petrol, Diesel) is used in USA and other countries for last 20 years. It is a breakthrough product in Network marketing.After huge success and global demand , entered into Network Marketing 2 years back with massive expansion globally.<br />
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Benifits of the<span class="text_exposed_show"> product - Saves fuel cost millions dollars (Saves money 15 to 20%), Prolongs Engine Life, Better performance of vehicle, Reduces Emission and dicrease pollution..It is a massive opportunity at ground level.. As we know for Petrol and Disel Trillion Dollars is spent all over the world and also we are witnessing Fuel cost is rising very fast for the reason the product is now having crazy demand in the world..It is a unique product, No competetor in the world.<br />
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The compensation plan is awesome..Reward from handy watch to Mercedez Benz. Income from few hundred $ to Million dollars monthly. Registration start within 10 days. Inviting all the esteem leaders to have a look into this program, get the opportunity to lead a business which will create hundres of millionairs in India in near future. Do you wish to be one of them? No Lotion.No Potion, No Juice, No Liability, You are marketing a product that every people need it daily. This is a huge Ground level national as well as international opportunity. We are getting global pool benefit from the business of entire world.. The registration is about to start.<br />
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I appeal to You and our industries Top Serious , Visionary, leaders to contact me immediately to be aprasied about the program and to lock your fortune in an opportunity that have never seen before in India that will change you life for ever.<br />
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Be a Part of a Fast growing Company with a break through product that need every body</span><br />
<span class="text_exposed_show"> </span><span class="text_exposed_show">This is an Opportunity of life time! <a href="http://www.mlmconnects.com/netterblogger-1" target="_blank">MLMConnect</a></span>Anonymoushttp://www.blogger.com/profile/09573122189283076500noreply@blogger.com0