So I Was just about to shop for my new upcoming baby.., hopefully it’s a girl. Yup, A baby girls is coming to town, all… be prepared, I was looking for baby carriers, lightweight strollers and maybe will compare with full-featured strollers prices. A baby cribs, already delivered last week, Ordered it from some store,and actually I can request the design, and I’am satisfy with the result, not forget it’s include the bed sheet and a blanket, with peach colors mix with pastel green, because I want something soft and warm for my baby girls.

Yes, I wont forget to explore shopwiki, to find all the stuff, from branded to unbranded, I surely hope for qualify product, and good price of course.

Before going further, let’s go back a bit to recall what happens in the 2007-2008 crisis earlier. It is an innovative product called Subprime Mortgage which became the main cause.

Represents subprime mortgages (mortgages) at high risk are offered with attractive option, at least look like it. In the first year, Subprime borrowers are not charged interest. New interest charged after the first year.

This product is an attractive choice for lower-class communities in the United States (U.S.), because it makes them have a chance to have their own home. I was so much demand, named Subprime mortgage bonds are also traded on the stock market with many innovations derivatives.

Almost all major banks in the U.S. and Europe invest in this product. Subprime product value is unsparing reach U.S. $ 1.5 trillion.

But unexpectedly, so the first year went by, surprise came. Subprime lenders apparently many are not able to repay principal and interest has begun to bear after a year. As a result, major banks in the U.S. and Europe failed to pay that is not haunted by abysmal responsibility.

Not only the U.S. and Europe, its impact is felt almost the entire world economy and capital markets, including Indonesia. A total of 123 U.S. banks were finally enrolled bankruptcy. Stock market indices around the world also experienced a sharp correction over 50% in just one year.

Fortunately, in 2009 the positive sentiment and spirit of optimism managed to lift back the indices of global stock markets from collapse. And in 2010, with the same spirit, it is hoped will be a year of recovery.

Unfortunately, the road of recovery and restructuring is not likely to pass easily and smoothly. According to the VP Research & Analys PT Valbury Asia Securities Nico Omer Jonckheere, the world still must go through two stages of the global crisis.

“The recession may have ended, but the depression just beginning. The real crisis is still ahead of us,” he said in a talk with detikFinance some time ago.

According to him, most people are too happy with the euphoria of recovery in 2009, so missed seeing the signs of the crisis continued. Nico explains, Subprime Mortgage may have passed. However, he asserted, Subprime Mortgage is not the only high-risk mortgage products in the U.S..

Items referred to Nicole is home loan product called Alt-A and Option ARM. Both products are often known as Ninja loans (No Income, No Job and Assets), which means that mortgages for people who have no income, employment and collateral.

The difference with the Alt-A Subprime and Option ARM gives flexibility to the customers in paying the installments during the first 5 years. After 5 years will be subject to periodic interest rate adjustments.

“After 5 years, the average increase rate reached 80%,” he said.

According to him, this product is also a time bomb which could have an impact even judged larger than Subprime. If the value of Subprime was only U.S. $ 1.5 trillion, the value of Alt-A and Option ARM respectively reached U.S. $ 2.5 trillion and U.S. $ 500 billion. The total value of these two products reached U.S. $ 3 trillion.

“So the property market looks stable now, just waiting for the time of the adjustment of mortgage rates that will start this year (2010-2011),” he said.

If Subprime worth U.S. $ 1.5 trillion alone makes the world unorganized, you can imagine what would happen if it turns out customer product Alt-A and Option ARM also could not repay the interest thereon after the rate adjustment that will occur mid-year 2010.

In addition, Nicole also saw commercial property loans already showing signs of collapse. For the record, the value of commercial real estate loans in the U.S. reached U.S. $ 3.5 trillion.

“Commercial property prices fell by more than 34% during 2009. Customers who fail to pay the mortgage increased from 1% to 9%. The value of default increased 423% to $ 52.7 billion from the year 2008 amounted to U.S. $ 12.5 billion,” Nico said.

Commercial property transaction volumes, continued Nico, declined sharply from U.S. $ 133.2 billion in 2007 to U.S. $ 4.8 billion in the first quarter of 2009.

“Approximately 90 thousand in the U.S. commercial property is currently uninhabited, empty,” said Nico.

In addition, Nico added, more than 2,600 U.S. banks have loan portfolios of commercial properties above 300% of specified risk limits (risk based capital).

“Therefore, hundreds of small and medium-sized banks in the U.S. who have provided loans for commercial property must prepare to face big losses are likely to inundate their resources,” he said.

Nicole also said that during the year 2009, banks worldwide have made bleaching debt worth U.S. $ 1 trillion because of rising defaults. He predicted, bleaching of debt that will be the banks in the world during the year 2010 will reach U.S. $ 1.5 trillion.

“In mid 2010, the losses of banks in the U.S. will exceed the great depression of 1929,” he said.

Job market in the U.S. also assessed Nico potentially increased sharply up to the level of 13%. According to him, this time very bad condition of U.S. society.

“1 in 9 Americans, or about 39 million people, depend on the Food Stamp (food stamps) provided by the federal government,” he said.

If you have this, he added, economic conditions will likely mendek. Without the new jobs then there is no income. Without revenue, there were no purchases of goods and services. Without the purchase, corporate profits will not increase. And finally there are no new job creation.

Severity of the current global economic conditions, according to Nico because the economic system has pushed the debt is too large, so trapped in conditions of excess debt.

Based on IMF data as disclosed Nico, the debt of countries belonging to the G20 forum expected to increase its average to a level of 118.4% of the total GDP of its member countries in 2014.

“The main problem of the world economy is now no shortage of money, but excessive debt. The main problem the U.S. economy is yet to recover the property market, a soaring government debt, high unemployment, the credit does not flow,” he explained.

Nico also predicting the emergence of disappointing economic indicators from developed countries. Then will appear the company reported increased net income that is not supported by increased sales.

That means increased profit driven more by efficiency rather than by increased demand in the market. Purchasing power has not increased. In addition, the price to earnings ratio (PER) of stocks in the U.S. have reached 26 times, a level considered too high Nico.

Over a number of his analysis, he called on market participants more cautious in making investment measures. For, if the depression does occur, the stock indices around the world will again fall.

“Dow Jones will penetrate the lowest level in past crises at the level of 6469.95. It could fall within the range of 3800-5000. JCI could again fall to below 2,000 and even below 1,000,” he said.

Nevertheless, market participants suggested that Nico made a sale of at least 50% of stock portfolios into cash. Because cash is needed to make purchases when stock prices are collapsing.

“In addition to securing funding, if the market falls, can make purchases when prices are cheap. You did not get the maximum profit potential, but you also will not feel hurt,” he said.

“And, still always remember that every crisis or danger in the fact offer many opportunities. Now the international stock valuations are still expensive, but after the next crash will most likely be all the shares can be bought at prices very lucrative,” said Nico.

WASHINGTON – Crime cyberspace never indiscriminate in targeting their victims. From the petty to the class snapper, semuannya the target of cyber crime.

In a recent report issued by the Christian Science Monitor says, at least three important officials in the oil and gas companies have had major natural malware attacks on a large scale in 2008 and until now. That attack was deliberately done agara they can mengambik important data in multi-dollar company is.

Added by the survey, oil companies and the leading natural gas is ExxonMobile ConocoPhillips and Marathon Oil are giant oil industry’s most targeted by malware, such as quoted Internet News, Thursday (28/1/2010).

The attack continued until mid 2009, using email mode can escape from anti-virus security that has used the company. In fact until now, not only that these three companies, but has spread to other companies.

The data is actually stolen any trade secrets that are typically stored in corporate computer networks, most of them stole a file containing the location of oil drilling that has not worked around the world and how much profits.

Several investigative agencies in the United States had indicated that these hackers are neatly organized in the country China. However, no one has issued a statement publicly.

IN today’s era of globalization, the desire to become more and more world-class companies not following the company terbendung.Beberapa up step by a world-class companies. Like what?

Oil and gas companies (oil) Exxon Mobil Corporation and Royal Dutch Shell are two companies that now supermajor at the height of glory. Naturally, because these two major companies have started business decades ago. Exxon, for example, originated from Standard Oil, who stood in 1870, while Sheel is a joint venture of Dutch and English who stood in the 1900′s. In addition, there is also the British Petroleum Company, which operated in 1954, and the Chevron Corporation, which was built in 1879.

So, what about the national oil company? Although the age of PT Pertamina is still far from some of these companies, the company set a world-class player with a short time, ie 15 years. According to a spokesman for PT Pertamina Basuki Trikora Son, Pertamina was treading step toward world-class companies, by setting targets to be achieved. This is evidenced by the constructed roadmap that includes the company’s three stages.

For the first period (2008 – 2013) This company build a solid foundation in the country. Namely how to target a leading company in Indonesia and become the best in operating activities, as well as the role of transformation modeluntuk success. In the second five years (2013 – 2018), oil and gas company is targeting a leading oil company in Southeast Asia. Then in subsequent years (2018 – 2023), Pertamina to national oil company of world-class. “The position of Pertamina in this period the level of capability with a leading international oil companies,” said Basuki, who familiarly called this Tiko.

Recognized Tiko, to realize the vision and mission of this company also has mudah.Pihaknya not make corrections in some aspects to it. “Especially is improving the quality of human resources (human resources) who owned the company,” he said when contacted Seputar Indonesia. Related to this, Pertamina also keen to do kaderisasi HR for performance improvement, ie by holding a variety of educational training for their employees. However, not only the trained area of expertise, they were also given the floating material to become a cadre of professional ready to use.

Conducted cooperation with foreign companies, also carrying a positive impact for its employees, namely the transfer of knowledge. Corrections are made for this human resources sector, along with other factors that also contribute to the realization of the ideals of the company, including technological improvements, facilities, and services to consumers. Tiko admitted that steps the company does, now have a significant impact. Produkproduk Pertamina has been exported to several countries, and of course the standard is applied even have international standards.

Machine activities already underway in several countries, including in Vietnam, Malaysia, Libya, Sudan, and Qatar. “So, we are not just a champion,” said Tiko.Kendati so can not be denied, because as a state-owned company, Pertamina not become a pure business entity that can stand alone. Even so, Tiko says this is not a barrier to achieving world-class companies. Other companies who also was a world-class companies are PT Indofood Sukses Makmur Tbk. (INDF). Survey conducted in 2009 the Wall Street Journal had solidified INDF as the best open company in Indonesia in the third position.

The existence of INDF as a processed food company, started in 1982 through the establishment of PT Sarimi Asli Jaya, which produces a brand of instant noodles Sarimi. During his trip, INDF perform various steps to strengthen its position in Indonesia. INDF major step to strengthen itself as a giant new integrated food company is again in 2005, namely through a joint venture with Nestle that form PT Nestle Indofood Company flavor. Then in 2007, INDF increasingly strengthened by the acquisition unit agrobisnisnya Rascal Holdings Limited and plantation companies which have more than a century old, the PP London Sumatra Plantations Tbk (LSIP).

On the other hand, with a variety of strong brands in various fields of business, INDF compelled to form a Central Marketing Unit to assist all business units to develop strategic marketing direction to create a comprehensive synergy in the media, research, and marketing. This is justified Noodles General Manager Marketing Division Head Office INDF Atmaja Listya Evelyn. As someone who is responsible for the division noodles Evelyn and her team incessantly looking for ways that would demand noodle products on the market to stay awake. He claimed most anti with purchasing power lines down.

“For logic, even though the economy in crisis conditions, the consumption activities of his name will never stop,” he said. However, said Evelyn, who went to all the constraints is a challenge that must be conquered. Evelyn believed INDF someday will be world-class companies.

The future of the United States fiscal spending worrying for health care and assistance, and social networking program costs and interest on government loans increased, while tax revenues fall.

“We are in an area without a map. In the long term, the U.S. fiscal condition of scary,” said James Poterba, President of the National Bureau of Economic Research, in an interview with Bloomberg Radio, in Washington, today.

Poterba also taught economics at the Massachusetts Institute of Technology in Cambridge, Massachusetts. Conditions that caused the country’s voters make the economy as a major concern.

Meanwhile, the government scheduled to enter the state budget bill to Congress this week to be approved or modified. After discussing the budget, U.S. politicians will compete for power in the House and Senate in November.

Based on official government figures, Obama’s budget proposals for 2011 equivalent to 25.1% of the gross domestic product (GDP). Not much different from the budget the administration of President Ronald Reagan in the 1983 fiscal year reached U.S. $ 808 billion, or 23.5% of GDP.

Reagan’s proposed budget with the allocation of almost the same as Obama and also takes place during a recession. Meanwhile, in his message to Congress, Obama said solving the unemployment rate last year reached 10%, becomes an urgent priority.

The implementation of free market liberalization within the framework of the Asean free trade of China (ACFTA) had an impact on the food and beverage industry (mamin) in the country.

Chairman of the Joint Regulation Division Food and Beverage Entrepreneur Indonesia (Gapmmi) Franky M. Sibarani said until now has not seen ACFTA adverse effects of food and beverage industry in the country.

Inflow of goods at the port designated as the entrance mamin product imports, according to him, so far still normal and not show an increase in significant quantities.

“Not to look [impact ACFTA]. Everything is normal,” he told Bisnis.com, in the office of the Ministry of Trade, today.

Since January 1, 2010, the implementation of market liberalization officially begins. Originally appeared frightened from various industries, the implementation of this market liberalization will erode mastery of the domestic industry market share by products of China

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Research firm based in Singapore has said the high number of threats made to a number of security vendors competed to create software that can counteract these cyber crimes.

Meanwhile, 25 percent of the numbers presented are based ReadiMinds conducted research on a number of respondent banks in Bangladesh, Cambodia, Hong Kong, Indonesia, Malaysia, Philippines, Singapore, Sri Lanka, Taiwan, Thailand and Vietnam. Unfortunately ReadiMinds not explain in detail how much respoden involved in this research.

Of the survey also revealed that approximately 20 percent of the bank had made a very powerful implementation to strengthen their online transactions are done by the method of two-factor authentication (2FA). According to ReadiMinds, how 2FA trend which is now widely used by banks, especially banks that have online transaction services.

While 20 percent of other financial instituasi, as reported by ZDNet, Sunday (6/7/2008), said they had made a number of formal plans to ask the user more aware of this threat to avoid the possibility of theft of your user ID and password to access online bank
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“In the short term, there are some other things that can be done,” Nag said in a press briefing on Indonesia, at Surabaya Room, Westin Hotel, Nusa Dua, Bali, Sunday (3/5/2009).

Even so, Nag said, the ADB has several times expressed the need for a regional common currency. According to him, foreign currency such as dollars for it has put pressure on the local currency.

Previously reported, Sri Mulyani said it was time for the Asian region to reduce dependence on the dollar to reduce the pressure on the economy.

While Director of Retail Banking of Bank Mega Kostaman Thayib argues, reliance on the use of the dollar in Asia is still quite large. We have pioneered granted interstate commerce in Asia, especially Southeast Asia, which do not use that currency.

According to him, this time almost all transactions using the dollar currency. In fact, sometimes do not export anything to do with currency Uncle Sam’s country. By using the local currency, according to him, the currency fluctuations will not be too large.

In addition only one bank that made the rescue of Century Bank in 2008 due to global crisis conditions.

The statement was made by the Deputy Governor of Bank Indonesia Budi S Rochadi in RDP with the Commission XI DPR-RI in the House of Representatives-RI, Jakarta, Tuesday (02/02/2010).

“The experience in Indonesia also shows there have been some banks are experiencing problems and successfully disehatkan, but there are some banks that eventually shut down,” Budi said.

Since 2004, BI closed bank notes are Asiatic Bank (2004), Bank Dagang Bali (2004), Global Bank (2005).

“Especially after the 2008 crisis there was a public bank that closed the Bank IFI and one commercial bank which saved the Bank Century,” he added.

For BPR, there are more Budi 9 banks also closed since 2004.

“We recorded the number of BI banks that as many as 121 banks still operating. Tuurn amount of 124 banks in 2008,” said Budi.

A total of 106 banks of which have Capital Adequacy Ratio (CAR) above 12% as of October 2009. “Of the total number of banks there are 11 banks that still have a core capital below Rp 100 billion,” he said.