SMART Investing

Economic and monetary policy issues after the earthquake in Japan: preparing for the growth and strengthening of uncertainty

2011-08-04T19:33:00.000-07:00

Economic and monetary policy issues after the earthquake in Japan: preparing for the growth and strengthening of uncertainty

After experiencing a devastating earthquake and tsunami. Japan began to clean on their economies. Many private companies and the stock of government stock for sale to investors worldwide. In the process, will benefit large financial institutions. Is ... New car sales rose last year about 18 million units in the country, which is the sum of Japan and the United States. Was the above ... That is, first, by the earthquake and tsunami, factories and logistics interface ...

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`Huge Returns' Possible in Diamonds Investing

2011-07-26T21:08:00.000-07:00

`Huge Returns' Possible in Diamonds Investing

July 15 (Bloomberg) -- Alan Landau, chief executive officer at Novel Asset Management, talks about investing in diamonds. Diamond prices jumped 26 percent in the first six months as rough gem production failed to match surging demand from jewelry buyers in the swelling middle classes of China and India. Landau speaks in Hong Kong with Rishaad Salamat on Bloomberg Television's "On the Move Asia." (Source: Bloomberg)

For watch video see this link http://www.bloomberg.com/video/72501602/

Long Term Investments for the Future

2011-07-17T07:34:00.000-07:00

If you are ready to invest money for a future event, such as retirement or a child’s college education, you have several options. You do not have to invest in risky stocks or ventures. You can easily invest your money in ways that are very safe, which will show a decent return over a long period of time.

First consider bonds. There are various types of bonds that you can purchase. Bond’s are similar to Certificates of Deposit. Instead of being issued by banks, however, bonds are issued by the Government. Depending on the type of bonds that you buy, your initial investment may double over a specific period of time.

Mutual funds are also relatively safe. Mutual funds exist when a group of investors put their money together to buy stocks, bonds, or other investments. A fund manager typically decides how the money will be invested. All you need to do is find a reputable, qualified broker who handles mutual funds, and he or she will invest your money, along with other client’s money. Mutual funds are a bit riskier than bonds.

Stocks are another vehicle for long term investments. Shares of stocks are essentially shares of ownership in the company you are investing in. When the company does well financially, the value of your stock rises. However, if a company is doing poorly, your stock value drops. Stocks, of course, are even riskier than Mutual funds. Even though there is a greater amount of risk, you can still purchase stock in sound companies, such as G & E Electric, and sleep at night knowing that your money is relatively safe.

The important thing is to do your research before investing your money for long term gain. When purchasing stocks you should choose stocks that are well established. When you look for a mutual fund to invest in, choose a broker that is well established and has a proven track record. If you aren’t quite ready to take the risks involved with mutual funds or stocks, at the very least invest in bonds that are guaranteed by the Government.

Furnished apartments Dubai - Treasured to provide complete lifestyle to middleclass people

2011-05-23T07:06:00.000-07:00

Dubai is a paradise for the entire gulf due to its eye-catching beaches, hot deserts, superb views and a lot of attractive recreational sites with an economy promising better living standards and vast employment opportunities. This has created an urge in the people worldwide to come and settle here to exploit these opportunities. Rich people are the ones who have resources to fulfill their desires and are mostly settled here but what about the people belonging from the middleclass? Middleclass always faces budget constraints and hardly make out their living. How can they afford to purchase expensive Dubai properties for longer period?

For such middleclass people, fully serviced Dubai rental apartments are an inexpensive option to live in. A middleclass man does not need to spend heavy expenses to acquire a new house or villa and then decorating it with the different amenities required for a proper living. They only have to sign an agreement to pay periodical rent and can easily enjoy all the luxuries of life. These luxuries include central A/Cs, furniture, fixtures, kitchen appliances, LCD, TVs, internet connections, heating and cooling arrangements etc. Dubai rental apartments are well equipped with all the latest facilities that one can think of. They fulfill all the requirements of middle class people and help then enjoy a complete lifestyle even in their low budgets. What else a middleclass man needs?

Apartments on rent in Dubai give you the best option of living for a temporary business trip or holiday visit or for the permanent stays for longer period of time. A middleclass man looking for a cheap accommodation to spend holidays in Dubai can not find other living option better than living in furnished apartments or villas. When it comes to privacy, Dubai fully furnished studio apartment is the best choice for a middleclass person.

The furnished Dubai rental apartments are located in all the best areas of Dubai to enable middle class people to enjoy beautiful sites and outstanding views at affordable rates. For this purpose, Dubai Marina apartments, Jumeirah lake Towers and Downtown Dubai apartments are among the most famous ones. A middleclass man cannot afford to repair house structure and take home warranty of appliances. Dubai fully furnished apartments are also leased out with the insurance of the landlord making him liable to pay all such expenses. This is an additional benefit to a middleclass man which relieves him from the stress of bearing loss.

Dubai fully furnished apartments are greatly treasured for providing stylish and comfortable stays for the middleclass. They are capable of enjoying all the luxuries in a cost effective way as they are furnished to the highest level of standards. That is why the trends of living in fully furnished apartments are rising in Dubai.

Source: http://www.articlealley.com/article_2241080_33.html

Property Investing Tips Buying A Second Home Or Holiday Cottage

2011-05-23T07:03:00.000-07:00

You buy a second home that is not your main home, either because you believe the area or the property will rise in value, or because you want to make the place pay for itself by renting it out as a holiday cottage when you are not there yourself.

Pros: you enjoy a second home which, if you rent it out, helps to pay for itself, and with any luck, you will be both getting rental income and enjoying capital growth. Also, the rents from holiday cottages and short lets are higher than with the assured shorthold tenancies you will be entering into with buy-to-let.

Another plus is that renting out a holiday cottage is considered a business, which means there are many more things you can offset against tax than with buy-to-let, which continues to be assessed as unearned income.

Cons: it is almost always the case that the times of highest rental interest will be the times you will want to use the property yourself. Also, you will have to keep the place meticulously tidy to satisfy the rental agency, and have plenty of changes of linen, towels and so on. Holiday cottages and flats have to come completely equipped with everything.

As occupants usually stay only a week or so - and stays are becoming ever shorter, with many holiday homes being rented only for weekends - the quick turnover means a lot of cleaning, clearing and preparing - and wear and tear. As one holiday cottage owner said: 'It's three times the money and six times the work of ordinary rentals.'

The other thing is that the holiday home must be in an area of high rental potential, where you may well be competing with other holiday cottages. As with buy-to-let, holiday lets have become a competitive business, both fuelled by the easy availability of mortgages.

Investing in property has been a popular way of amassing wealth in terms of both capital growth and annual income, and can be a very lucrative investment vehicle. With new legislation concerning home information packs it's vital you do everything you can to make sure you're not investing in something that is not going to provide the ROI you expect. Get the facts about HIPs and EPCs from your local Lincoln EPC agent.

Source: http://www.articlealley.com/article_1446792_33.html

Investing in Property Popular Again

2011-05-23T07:01:00.000-07:00

There has been a large influx of mortgage applications since investors fled the share market, leading to a backlog at some major lenders. Strict new lending criteria are adding to delays, as is the inexperience of home buyers having trouble navigating a maze of paperwork. Banks are being forced to add staff to mortgage processing divisions, which they had previously run down.

Adding to the complexity is recent changes to Australian superannuation laws, which allow superannuation funds to borrow in certain circumstances. Super funds can now borrow against properties that are being let out. Banks have had trouble keeping up with the changes in the rules and are still working on fixing their systems.

Although self-managed super funds can now borrow more against property, they are not allowed to get into negative gearing. In fact super funds will need to invest in property with about 50% equity in order to meet the requirements.

Despite the economic slowdown, the number of home loans is increasing. The latest ABS figures show that the average home loan in Western Australia jumped by over $30,000 during the past year to $264,800.

Despite the strong rise in average home loans, there are still affordable properties in most capital cities, and these are highly sought after as rental properties. There is a tendency to overlook the capital growth potential of older style apartments as well as the large increases in weekly rent that can be achieved through cosmetic renovations.

In the current market where there are a large number of homes for sale, properties which are poorly presented are heavily penalized by buyers. This represents an opportunity for astute investors to purchase an older style property in a good location which only requires cosmetic renovations such as new carpet and internal painting.

If the investor keeps the property, they can rent them out for a higher price because they have been fixed up, which in turn helps them to pay off the mortgage faster.

It is also possible to buy cheaply in areas where there’s a large amount of mortgage stress. Western Sydney areas such as Blaxland have gained a reputation for being heavily mortgaged and susceptible to high levels of default. Several hundred families lost their homes in that area due to mortgage stress last year.

When home ownership declines, demand for rental homes increase, which means investors make a better return. Investors remain wary of the share market, and with the property market giving good returns to investors, they have returned in force to that market. A Brisbane mortgage broker can help you to invest in property if you are looking to get into the market.

Source: http://www.articlealley.com/article_2111053_19.html

Investing in property in other countries

2011-05-23T06:44:00.000-07:00

Houses, villas, condos and commercial properties in various location of the world, from beach front condos in Florida to Ski Cabins in Bulgaria to 6 bedroom villas in the south of Spain.

Investment in overseas property, also referred to as international real estate, has become increasingly popular amongst the population of wealthier countries. Such property is usually located in a hotter climate to that of the buyer's native country, and the most sought after properties are located in tourism areas, usually large cities or coastal resorts.

Check out possible property deals on properties abroad in our database that lists a wide variety. We are experts in buying and selling property abroad in 18 countries, dealing in family residences, and investment properties. Houses, condos, villas, apartments both in urban areas and rural locations. Read more about the most desirable investment locations, hot property markets and how we select developments.

Our expert Research team then carefully selects each individual development in accordance with five key principles : Price, Location, Desirability, Credibility and Ease of purchase. As the number of property investment vehicles targeted at private investors continues to grow it is increasingly important that buyers considering potential investment fully understand the sector. They need to be fully conversant, not only with the attributes of commercial property as an asset, and ways of accessing the market, but also with the associated risks. Not all properties will increase in value equally - some will outperform the averages.

Our changing demographics, the way we live and where we want to live, will mean a certain type of property will have lasting appeal and be in continuous strong demand by owner-occupiers and tenants. overseas properties are not easy to find these days, but with tens of thousands of properties currently online you are sure to find something to suit your budget.

Our property lists includes houses, flats and apartments all over the world that can offer investment potential from full redevelopment through to buy-to-let. The key to successful buy-to-let investments is finding the right area to invest in, the right property to purchase, and undertaking a rigorous investment analysis to ensure your numbers make sense, so that you have positive cash flow and a strong likelihood of healthy capital growth.

Source: http://www.articlealley.com/article_573173_33.html

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Car Insurance in Islamic Law

2011-05-22T23:29:00.000-07:00

FAQs: Car Insurance in Islamic Law

Question:

Ustadz, I am an owner of car rental, in buying my car insurance from the car in one package. And after a few months later, I was required to pay the insurance each month. My question is:

1. Is the vehicle insurance law in Islam? Wrote that should not be elegant and what is allowed?

2. In this case, because it is a package with the purchase of a car and I already pay. Are we allowed to claim or take the insurance money in case of a car accident?

Answer:

Bismillahirrahmanirrahim. Praise be to Allah, Lord of the Worlds. Blessings and greetings may always tercurahkan to the Prophet sallallaahu 'alaihi wa sallam, his family, his companions, as well as people who follow the prompts until the Day of Resurrection.

Insurance in Islamic jurisprudence known as At-Ta'min. In an age now, insurance circulating in the community that many forms, among which are at-ta'min at-tijari (business insurance or commercial insurance). Insurance of vehicles such as cars or otherwise included in this type of insurance.

Preview this insurance system is the customer to pay a certain nominal to the company / insurance agencies each month or year or any order or in accordance with the provisions of the collective agreement in the event of damage or accident, then the insurance institution to bear the entire cost of damages. If nothing happened then the deposit continues to run and become the property of the insurance institution.

The purpose of this type of insurance is pure business, because it was established in order to make profits. In summary, people who twisted this insurance will face a gamble with two possibilities: profit or loss.

This kind of insurance law with all its form is forbidden, both life insurance, property, cars or other vehicles, trade, homes, land, or one organ of the body, good insurance against fire, theft or accident. Because, all contain usury, gambling, and gharar (uncertainty). This opinion is an agreed majority of scholars in the Majlis al-Majma 'al-Fiqhi held in Makkah Al-Mukarramah with decision no. 5 on 4 Rabi H. End of 1397 Also listed in Darul fatwa Ifta 'in Egypt. Including the opinion illicit this type of insurance is also a Permanent Committee for Fatwa and Discussion on Scientific Affairs Kingdom of Saudi Arabia, and Rabithah 'Alam Islami, as well as Islamic institutions, whether in the Arab world, as well as international.

Here we mention some of the arguments of the scholars who forbid insurance business:

1. Akad insurance business including the sale and purchase agreement is speculation that contain elements of gharar (uncertainty). Because while the contract lasts, people who get insurance can not know the amount of money to be deposited and the amount he claims he will receive. He could have paid the deposit once or twice, then an accident, so he is entitled to submit claims to insurance firm commitment. And maybe never did any accident occur, so that the person requesting the insurance pay the entire deposit, without getting any. Likewise, insurance companies can not determine the number of claims that should he wish to pay and the amount of deposit will he receive, when examined from each contract separately. In fact, in a saheeh hadeeth mentioned the prohibition of the Prophet sallallaahu 'alaihi wa sallam for sale and purchase of which is gharar.

2. Akad business insurance is a form of gambling. Because, in it contains the element of chance in terms of exchange of property, and there is a loss without any errors or any actions, and it also has benefits without compensation or with compensation that is not commensurate. Due to new customers sometimes pay some deposit insurance, then there was an accident, so that insurance companies bear the entire cost of the claim. And may not be an accident, so at that time the company managed to dredge the entire deposit customer without spending any compensation at all. And if the contract contains elements of real obscurity like that, then that is what is called gambling, and enter the generality prohibition of gambling mentioned in the word of Allaah (which means), "O ye who believe, real wine, gambling, sacrifice to idols, gambled the fate of the heinous act, including acts devil, then shun acts that so that you get lucky. "(Surat al Maidah: 90)

3. Business insurance contract contains elements of usury Fadhl (usury commerce) and usury nasi'ah (delay), because if the insurance company pays for clients, heirs, or those who take advantage of it to get more money from the money he paid, then it is usury Fadhl. And if the insurance company gives money to the amount he has paid his client after a grace period elapsed from the time contracts had been signed, then it is usury nasi'ah only. And both usury is forbidden by the proposition syar'i and consensus' (agreement scholars).

4. Akad business insurance includes bets are forbidden. Because, both sides contain elements of uncertainty, chance, fate and gambled. In fact, the Shari'a does not allow betting, except in defense of Islam and raise the flag with hujjah and weapons. The Prophet sallallaahu 'alaihi wa sallam has limited rukhshah (legal relief) bet treasure only in three cases, as set out in his words, "Not allowed to bet in the race except in the (race) riding a camel racing, throwing the spear, and horse racing. "While insurance is not included in the above matters and do not like it at all. Thus, the law is unlawful.

5. Business insurance contract contains elements of taking someone else's property without compensation. While taking someone else's property without compensation in the sale and purchase agreement, including unlawful. This is contained in the word of Allah, the Exalted generality (which means), "O those who believe, do not you eat your fellow property in ways that false, except by way perniagan with the principle of consensual among you." (Surah An-Nisa ': 29).

6. In the business of insurance contract contained pengharusan something not required in the Shari'a, because the insurance company never did any adverse action, nor the cause of the loss. Insurance companies just do the contract with the client to ensure the loss if it happens, in exchange for deposits paid by clients to him, while the insurance company never did any work for the party requesting the insurance. Thus, this action is forbidden. (See the book Fatawa al-Fiqh wa Buyu 'thing. 227 and so on).

As for relating to people who already are involved in an insurance contract business, then here are a few circumstances:

a. If he does not know the laws according to sharia, then he is not innocent, either when he is depositing or receiving money compensation from the insurance company. But if he has to know the laws, and forbidden for him to deposit or receive compensation from the company, because included in the category of helping in sin and enmity and eat someone else's property in a way that vanity which God has forbidden. (See QS. Al-Maidah: 2, and QS. An-Nisa ': 29).

b. If he had known keharamannya, but he was forced or obliged by the government and there is no alternative but to do so, then according to Shaykh al-Albani rahimahullah that such a tax is included in the category (which is levied by the government by force) which is basically not prescribed. And he escape responsibility before God and not entitled to sin and punishment. (See Al-Hawi min Fataawa ash-Shaykh al-Albani, p.. 415).

c. If he already knows is haraam, and still bermuamalah with the insurance company with his own choice without any coercion, then he is sinning and must repent to Allah with repentance Nasuha. Shaykh Al-Albani says, "As for insurance on his own choice that he try to achieve it should not (haram) in Islam, because the entry in the category of gambling." (Fatawa ash-Shaykh al-Albani, p.. 363)

And if he had received compensation money from the insurance company, then he should mensedekahkan benefits to the poor or it passes to the things that contain the common good to the Muslims, and he was obliged to come out or not may bermuamalah with the insurance company .

When asked about people who already paid the money or receive compensation from insurance companies, the Permanent Committee for Fatwa and Discussion on Scientific Affairs of the Kingdom of Saudi Arabia stated, "The customer should take the nominal money which he had deposited into the insurance company. The rest was her charity to the poor or she spend another sides benefit and he should get out of the insurance company. "

Shaykh Abd Al-'Adni said, "When business people and wealthy are forced to bermuamalah with insurance companies by the parties that it is impossible for them to confront or deny the request, so that they deposit and bermuamalah with these companies, then the sin is borne by the party the force. But when the disaster happened they should not be accepted, unless they have deposited par. "

Thus we can state the answer. If true then it comes from God alone. And if there is a mistake then it is from ourselves and from our personal syetan.Wallahu Shawab knows best-bish.

Author: Ustadz Muhammad Wasitho, Lc (Entrepreneur Magazine Expert Staff Sharia Muslims) translated into english using google translate and published again by www.-smartinvesting.blogspot.com

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The Basics of Apartment Building Investing

2011-05-22T06:09:00.000-07:00

If you are considering getting involved in commercial real estate investing, then there are a variety of individual markets that you may want to consider. Some of the different markets to consider include raw land, industrial warehouses, apartment buildings, office complexes, and many more. However, one excellent type of investing that you may want to give some consideration is apartment building investing. No doubt you will want to know a bit more about apartment building investing before you get started, so let's take a closer look at the basics of real estate investment in apartment buildings.

Why Choose to Invest in Apartment Buildings?

More than likely you are wondering why apartment building investing is such a great idea. Well, one of the main reasons to consider a real estate investment in this particular market is because they usually carry fairly low risk and they also help to keep up with inflation because they only deal in short term leases. So, as the market begins to rise, you can increase your income as well. Also, when you get involved in investing in apartments, you'll find that you can enjoy equity appreciation as well as good cash flow. Many investors have found that investing in apartment buildings is a great choice because of the huge demand and the low risk. In fact, many statistics are showing a rise in demand for apartments, since so many people cannot afford to own their own home.

How Much Will I Need to Get Started?

Now that you understand why apartment building investing is such a great idea, you need to take a look at how you can get started when it comes to this type of real estate investment. Well, first of all, you are going to have the down payment available, which usually is about 30% of the total purchase amount of the apartment building. However, the amount of equity that you invest in an apartment can actually affect the investment returns and the risk that is associated with the apartments. So, for this reason, usually a larger down payment is a safer risk.

How Can I Qualify for a Loan for the Entire Purchase Amount?

Actually, it is the building that must qualify for the loan; however, you do have to provide the security to your lender as well. You will find that almost all lenders for apartment buildings will require that you guarantee the loan personally. However, usually they will not give you the loan unless they think the building will provide plenty of cash flow to cover the loan payments. So, when you are involved in apartment building investing, you'll find that your lender actually has quite a bit to say about the amount of cash that you will need to invest in an apartment offering.

How Can I Manage My Investment

When it comes to managing your real estate investment, there are a variety of different ways that you can approach this. There are some investors involved in apartment building investing that take the time to manage their property on their own; however, others decide to hire managers for their property so they can concentrate on other things. If you have a building that has at least 20 units or more, usually it will actually support the cost of having a professional live in manager. However, if you have a building that has less than 10 units in it, it will be more cost effective to manage it yourself. So, if you go for larger buildings you'll be more likely to be able to afford management. There are many professionals available out there to help you manage your apartments when you are involved in apartment building investing.

How Can I Analyze Possible Investments?

If you are planning on purchasing an apartment building as a real estate investment, then you first should take the time to look closely at the past couple of years' history. Look at the expenses and the income for the past couple of years and also take the time to inspect the entire building as well. Even looking at the tenant files is a great idea as well when analyzing possible investments. This will help you see what you can expect to make in the next few years and also should help you determine the price that the property is really worth.

The Importance of Finding a Broker that is Qualified

If you plan on getting involved in apartment building investing, one of the best things that you can do is to find a broker that is qualified to help you out. Having a good broker that is qualified in the area of real estate investments that you are interested in can be a huge help. They can help you find properties that may be right for you and can also help you make sure that you are aware of the laws in your area as well. So, if you are serious about apartment building investing, having an experienced broker on your side is a great plus.

As you can see, there are many great benefits to getting involved in apartment building investing. However, you will have to do your part to make sure that you truly make money off of these investments. So, take advantage of these basics and use them to your advantage to maximize your profits.

Source: http://www.articlealley.com/article_466410_33.html

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Diamond Jewelry, A Good Investment? By Finkle LF

2011-03-01T21:37:00.000-08:00

Diamonds are a great investment to make because they have been established to be reliable and tremendously lucrative. Living through the recent recession, the public has been hit with a hard lesson on what to invest their money into. Although our market seems to be ever changing and unstable, Diamonds continue to hold their value.

You don't need to be a wealthy individual to invest in diamonds. There are several different high end diamonds available that won't require your life's savings to purchase. Many diamonds are well within your budget, you just need to have a good eye and know what to look for. As the diamond ages it becomes even more valuable then when you first purchased it.

When selecting the perfect diamond, you need to be aware of the trends with color, the clarity of the ring, and how many carats it has, along with the cut/shape. You will also need to make a good decision when picking out your diamond. It needs to have the look of a classic style that will become more profitable over the course of time.

Because a classic style ring as remained timeless for decades, this will grow much faster in value compared to a new trendy design. If the trendy ring has a large enough carat size, it can make a difference in the potential of its value growing. Often times it is known that a trendier cut will not appreciate in value over the years because it is much different from the classic style.

Source: http://EzineArticles.com/?expert=Finkle_LF

Avoiding Extra High Financing Costs

2011-01-30T20:35:00.001-08:00

Avoiding Extra High Financing Costs

Did you know that there are ways for you to pay less while you own more? If you know exactly how to work with the real estate market, then you can also find ways to avoid extra financing costs. By finding the right area to focus on for your investment, you will be able to pay lower amounts without extra charges.

One of the easiest ways to avoid extra costs is to make sure that you pay your loan on time. Usually, mortgage companies will add in extra finances if you don't pay by a date that they have set for you. Over a specific amount of time, this can cause you to pay hundreds of extra dollars in financing at one time. Staying ahead and consistent will help you to keep costs stable and lower.

Of course, knowing the loan options that are available to you can also help you to avoid financing costs. Some homes will require that you invest more, and some loan programs will also ask that you invest a higher amount. You will either want to make sure that this will be beneficial to you in the long run or you will want to look into a different type of plan. The plans that you invest in for mortgages will make a large difference in how much you pay overall and how much you pay each month.

The finances don't stand alone when you are trying to avoid extra costs. The value of the property that you are investing in will also make a difference. The goal for any real estate investment is that there should be a high quality home for a lower price. You want to get as close to this goal as you can. Even if you pay on the home for a while, it will allow you to benefit later on with the investment that you have made. You will have the ability to have more returned to you when you decide to invest in something bigger and better.

Real estate financing can be beneficial if you approach it correctly. Understanding how all of the parts of your loan, your home and your individual need works together can help you to find the best deal. Over time, you will not only have a home to live in, but will also have an investment that can help you to make the most of what you have.

Considerations Before You Invest

2011-01-25T20:05:00.000-08:00

If you are interested in investing, particularly with the investment of money, before you do anything we hope this article will provide some much-needed insight. In most cases, involved with the investment opportunity is an excellent choice, which when done right can generate huge returns on investment but in some situations, it is better to put the idea of investing postponed until certain things can be overcome.

One of the challenges seen in today's society is that some people who panic and make rash investment decisions because of the global financial crisis experienced during the last two years plus. As a result, some decisions have led one to choose the type of investment. With this, people actually lose money, not make it. With the investment, especially investment of money, it is very important to have a plan or strategy in place before investments are made.

Here are just some of the more important decisions that you will need to make before you start investing cash.

Financial Situation

For starters, you need to look at your financial situation. By knowing your current situation will help you set realistic goals in which you want to be in the future with the investment.

Risk Comfort Zone

Another consideration is to determine your risk comfort zone. Everyone involved with the investment of cash has a certain comfort zone that relates to the number and level of risk willing to take. Typically, this zone is determined by the amount of money someone has to lose. Please note that the main purpose of investing is to make money but because there is always risk losing it, only you can determine the level of losses that you are most comfortable.

In addition, each type of investment have different risk. For example, the cash investment with the exception of the small risk of inflation. Because you'll make your money on the interest paid on investment, with interest to invest the money associated with the current market conditions mean that any market fluctuations can impact flower and eventually, investment.

Investment Types

You will also need to look at various different types of investments so that you can specify one of which would be most beneficial for your situation. Given that there are so many possibilities, you need to learn what you can about different investment opportunities so you can focus on the people you most enjoy.

Three main areas of research that would include cash investments, stocks, and bonds. Just like you need to know the potential revenue, you also need to investigate the risk. Keep in mind that you always get involved with more than just one type of investment. With this, the risk could be offset by the potential gains from other investments.

No matter the type of cash investment you choose, remember the value of investment diversification in your investment portfolio. You know the old saying, "Do not put all your eggs in one basket" and when it comes to investing your money, the same rules will apply.

Source : http://typesofinvestment.com

Financial arrangements post-resign

2011-01-25T20:00:00.000-08:00

A new business name, it's natural course within the first few months have not yielded adequate results. But, if you want to go back to work, I think online businesses can still be carried out while working. Do you need to return to work in an office depends again on your main goal resign earlier. Is your goal to pregnancy programs would be affected if working again? Or which is more important, whether the pregnancy or to balance running the program again cashflow? Talk back this with your husband, and do not forget to also consult with your doctor.

How much should be saved for children's education depends on the plan for your child's future education. For children age zero years, SD entry fee will be approximately 2 times the cost of SD now. For the junior 4-fold, SMA 6-fold, and lecture 8-fold, from the cost today. Obviously the cost will depend on which school you choose for the child. If you already have a clear educational plan, you can take the numbers above to insurance agents, bankers, or investment consultant to calculated how much to save each month and a choice of investment products.

For money services, in principle, all income shall be deducted if it is eligible charity. For income zakat, which is already haul (held for one year), with the minimum amount of 85 grams worth of gold. Some scholars argue for a direct pay zakat revenue when received, need not be owned by one year. However, considering the minimum amount for a year.

In your case, should be USD 65 million was paid zakat in advance to be more calm. What I do not recommend is that this money be used to cover the shortage of husband's income, but without telling her husband. Because if not told, but still covered his shortcomings, then perhaps the husband does not feel there is a problem and feel the family's financial condition was fine. Finally, savings long gone, and no long-term solution.

Savings and time deposits are bank products in which you will receive the results every month. The difference, savings can be taken at any time, while the deposit can only be taken within the periods set in the beginning.

Sukuk are bonds in which if we had a Sukuk Retail Republic of Indonesia (Sukri) means that the country has a debt to us. In return, we will accept the results of each month, and debt principal is returned at maturity. Sukri durations ranging from 3-4 years. Sukri was issued by the government at any time, so not all the time available.

With regard to your condition now, so I suggest that Ms. create financial goals and determine which is more priority. For example: children's education fund, the hajj / umrah, pensions, resolve cashflow problems, pregnancy program. If the goal is clear, then the step taken was to be more focused. For example, the priority is a course of pregnancy, and then resolve cashflow problems. Then the available funds be prioritized to fund children's education and pilgrimage for example.

Then the goal. So the steps you need to do is to keep working while at home. Then, talk to your husband to set back spending to balance with the husband's income.

For while reducing spending may be somewhat difficult, for example, can be done gradually over the next 3-4 months. During that time, the lack of income derived from savings you have. The remaining funds that you have can be invested to fund children's education or for Hajj / Umrah. Although you want to keep funding it for yourself, it's your right. But the husband should remain informed about the purpose of investment you choose.

So what I recommend for now. If there are other things that need to be discussed, please contact us back further.

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2011-01-22T07:57:00.001-08:00

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Investment Statistic in Bali 2008

2011-01-18T22:43:00.000-08:00

PREVIOUS PRESS RELEASE

		18 November 2008 Paddies Production Forecast in Subround III 2008 decreased about 12.91 percent
		18 November 2008 The growth rate of Bali's economy in Third Quarter 2008 was 3.18 percent
		18 November 2008 September 2008's, Farmers' Terms of Trade (FTT) Index: 102.12
		18 November 2008 In September 2008, International Tourists Arrived in Bali decreased
		18 November 2008 Inflation Rate in Denpasar City in October 2008: 0.32 Percent
		1 July 2010 2nd Forecast in 2010

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Moody's upgrades RI rating to one notch below investment grade

2011-01-17T15:18:00.000-08:00

The Jakarta Post, Jakarta | Mon, 01/17/2011 12:12 PM | Business

The Jakarta Post report Moody's Investor Services on Monday upgraded Indonesia’s sovereign credit rating to one notch below investment grade, a statement released on Monday shows.

According to the statement, the top rating agency upgraded Indonesia's rating from Ba2 to Ba1 with a stable outlook, citing economic resilience, macroeconomic balance, an improving government debt position and the central bank's foreign currency reserve adequacy as well as prospects for foreign direct investment inflows.

"We have upgraded the sovereign credit ratings as momentum in the economy is expected to be sustained by steady domestic demand, a reasonable pace and sequencing of policy and structural reforms, and rising foreign direct investment.

"Furthermore, Indonesia’s debt position and reserve adequacy remain on an improving trajectory relative to most of its ratings peers," says Aninda Mitra, a vice president at Moody's and its lead sovereign analyst for Indonesia.

Moody's, however, still considers key risks to the rating outlook to be mainly embedded in Indonesia’s political system.

"Opposition from coalition partners has slowed the government's drive to implement far-reaching economic reforms," the agency says, adding that this opposition has not impacted overall policy management capabilities or near-term economic prospects.

Nonetheless, Moody's notes that adversarial or obstructionist politics that impede policy making and banking supervision could make investor confidence suffer and financial market pressure could increase.

Earlier, Finance Minister Agus Martowardojo has said he hoped Indonesia would receive achieve investment grade accreditation from top rating agencies this year, following its stellar economic performance in 2010.

Source : www.thejakartapost.com

Silver is the best hedge against inflation! | Robert Kiyosaki

2011-01-17T01:47:00.000-08:00

Silver is the best hedge against inflation! | Robert Kiyosaki

Property Taxes - Paying for Your Quality of Life By Luke Patel

2011-01-17T01:23:00.000-08:00

Almost every property owner complains about being taxed to death. In an economy where we have seen homes drop in value and foreclosure rates skyrocket, many counties and parishes are actually increasing property taxes. How can they justify this behavior? To them, it is a matter of supply and demand, and the demand for your tax dollars is probably higher in these rocky economic times than ever before. This might not seem fair, but can be necessary. It also might leave you wondering just how important are taxes?

These taxes are critical to the function of local government. Your local property taxes provide all funding for county emergency medical and fire department personnel and their stations/equipment. These taxes also provide the bulk of the budget for your school system. County and/or parish road departments, parks and recreation, zoning and planning departments and countless other myriad services all get their funding from your property tax dollars. How important are property taxes? They are critical to your being able to live in a safe, well-run community.

What would happen if people simply didn't pay their property taxes? For starters, local government could not function. Then, the quality of life in your area would immediately decline. Of course, prevention of this is the reason many taxing authorities have harsh penalties for non-payment of property taxes that can range from a late fee to the county taking possession of your property and selling it at auction. To avoid this, you simply need to budget your taxes into your homeowner's budget each year.

As a side note, you should remember that many mortgage holders require an escrow account for funds to cover both taxes and homeowners insurance. If you have such an account, your tax bill goes to the mortgage holder and you pay through them.

Article Source: http://EzineArticles.com/?expert=Luke_Patel

Download File : September 2008's, Farmers' Terms of Trade (FTT) Index: 102.12

2011-01-11T23:50:00.000-08:00

September 2008's, Farmers' Terms of Trade (FTT) Index: 102.12

Download File : Paddies Production Forecast in Subround III 2008 decreased about 12.91 percent

2011-01-11T23:46:00.000-08:00

Paddies Production Forecast in Subround III 2008 decreased about 12.91 percent

Download File : 2nd Forecast in 2010

2011-01-10T23:54:00.000-08:00

2nd Forecast in 2010

Download File : Inflation Rate in Denpasar City in October 2008: 0.32 Percent

2011-01-10T23:52:00.000-08:00

Inflation Rate in Denpasar City in October 2008: 0.32 Percent

Download File : The growth rate of Bali's economy in Third Quarter 2008 was 3.18 percent

2011-01-10T23:48:00.000-08:00

The growth rate of Bali's economy in Third Quarter 2008 was 3.18 percent

GOLD AS AN INFLATION antidote

2010-12-09T19:54:00.000-08:00

Many people believe that gold is an investment product that can ward off inflation. And indeed, history will prove gold diborong a panic that could endanger the nation's economy, such as high inflation, financial crisis, or war.

Inflation is rising prices of goods and services in general. Inflation could undermine your money. If the assumption of inflation of 15 percent per year, the price of goods & services that are now worth Rp 5 million, will be USD 10.06 million, or twice in year-6, and USD 15.3 million or three times in year -9, and so on.

According to severity, there are three types of inflation:

1. Moderate inflation, ie when inflation rate was just under double digits per year (below 10 per cent)

2. Malignant inflation, ie when inflation rate is in double digits per year (10 percent - 99 percent)

3. Hyper inflation, ie when inflation rate is in three digits per year (100 percent or more)

This paper will discuss about what you can do in order to deal with inflation. If you are not among decision makers in government, you probably can not go down the inflation rate. All you can do as individuals, is how you can take 'advantage' of the occurrence of inflation. How do I? I suggest you invest on instruments that will increase rapidly in the event of high inflation. What is it? Gold.

When Japan invaded China during World War, the Chinese people panic and they rushed in droves so that the price of gold rose gold extraordinary. In Indonesia, in the event of necessity rush at the supermarket on January 8, 1998 (early morning before the Budget announcement by President Suharto in front of the Parliament), the price of gold also jumped directly. In every other two days, gold prices climbed roughly 1.5 times as much. And these prices, though volatile, tend to rise and hold at that time - before finally falling back again when inflation under double digits.

Facts prove, if there is high inflation, gold prices will rise higher than inflation. The higher inflation, higher gold prices. Statistics show that when inflation reached 10 percent, then gold will rise 13 percent. If inflation is 20 percent, then gold will rise 30 percent. But when inflation is 100 percent, then your gold will go up 200 percent. This is why you should consider investing in gold. This is because gold is an investment trust as an antidote to inflation. The higher inflation rate, the better will usually increase the value of your gold. However, worth noting that the price of gold will tend to a constant when the inflation rate low, and even tend to slightly decrease the rate of inflation below double digits. So, gold will be good only when there is inflation moderate (two digits), and it would be great if there is hyper inflation (three digits). Gold Investment

Gold is available in several options. Some of the best known of them is gold jewelry and gold bullion. One is also gaining popularity in Indonesia is a gold coin.

When you invest in gold for the short term, usually will be difficult to get a profit if the shape of gold jewelry. This is because if you come to the store and buy gold jewelry, you have to pay the price of gold plus the cost of manufacture. Well, when one day you sell it back, then the store would not want to pay the cost of manufacture of gold jewelry. He will only pay the price of gold alone. In fact, really lucky if the store will accept your gold jewelry. Some stores sometimes refused the sale of gold jewelry from the public. The causes can vary. One of them is because they fear that the gold jewelry does not sell anymore when sold. So, even if they buy again, they have to melt the gold.

Therefore, investing in gold jewelry better off if stored for long term. Because usually you're the gold price has gone up a lot than when you bought it.

Gold jewelry is available in various carat, of which 18-24 carats. For investment, it would be nice if you select $ 24-carat gold jewelry. This is because the possibility of gold jewelry can be sold back much larger than the 18 carat gold jewelry. Once again, the investments in the form of gold jewelry will usually only provide a favorable outcome in the long term, not short term.

Gold investment which I think is good enough investment in the form of gold bullion (precious metal gold.) Gold was good enough when used as an investment, and whoever does not deny that gold bullion is different from gold-jewelry-easy to resell. In addition, gold does not ask the cost of manufacture as well as gold jewelry. Therefore, if you want to invest in gold, it would not hurt you to consider investing in gold bullion.

Others are Gold Coins ONH (pilgrim fare). That is, the gold coins is expected to be as an investment alternative for those who want to save money to prepare for the pilgrimage costs.

Naming ONH is actually only a marketing tactic only. In fact, although his name Gold Coins ONH, but these investments the same as other gold investment because the gold price are the same. The price is the same as the gold price following the price of foreign currency (U.S. dollar), and secure against inflation. That is, people who are not even Muslims can invest in Gold Coins ONH because these investments actually is the same as other gold investments. In fact, naming the ONH in Gold Coins is actually very beneficial to the holder, because the gold will be better to have a better positioning in the market.

Gold Coins ONH can be bought and sold on the branches throughout Indonesia PT Pawnshop, gold shops, and units of processing and refining of precious metals miner PT Aneka Tambang Tbk. Weight size from 1, 5, and 10 grams.

Investing in Precious Metals (Gold and Silver)

2010-12-09T19:14:00.000-08:00

Investing in Precious Metals (Gold and Silver)

Did you know that investing in precious metals is one of the oldest investment vehicle that has been done by humans since the first?

Since ancient times, precious metals community has been used as a tool for storing wealth-tested in the long term. Whatever the problems experienced by a nation or state, one of the precious metal in gold, still shows keperkasaannya.

Here is the price of gold precious metal continues to climb up in 5 years.

Investments in precious metals Precious Metals

It is defensive precious metal that is to protect you from the worsening economy. But precious metals can also be offensive to seek higher profits through speculation. It is more advisable, investors use precious metals to a more defensive or hedging compared with the infensif.

There is an assumption that if investors already own shares, bonds, mutual funds and property then it has diversified, but if the precious metals: gold and silver, etc. are not in their investment portfolios, then they really have not really diversified. A successful investor is the investor who chose the right superior investment instruments, and buy cheaply and make a profit when the price goes up significantly. Even precious metals have not been reached on the investment radar of investors most, indeed precious metals have the potential imbah good results in the future.

In recent years, the popularity of the precious metal climbed again marked by rising precious metal prices higher, which in the circumstances the dollar down. Most of these currencies and even reached the lowest point in its history. Moreover, the economic deterioration that occurs in a number of countries in the world makes the performance of precious metals such as gold became the craze price.

Therefore, when his economic situation deteriorated, is uncertain, it is advisable to diversify your investments into precious metals, especially gold bullion.

Posted in: GOLD, Precious Metals.

Tagged: gold, Gold Bars, precious metals prices, investing in precious metals, precious metals investments, Precious Metals