Author Archives: manggis

ASIA STOCK: DOWN

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Asian stocks fell on Monday, March 12, 2012, as investors waited for the moment the U.S. employment data, which could lower the expectations of policy easing ahead of U.S. Fed meeting. Meanwhile, fears of a slowdown in China’s economy is also an additional negative sentiment.

As quoted by Reuters, MSCI Asia Pacific excluding Japan fell 0.3 percent after rising as much as 1.3 percent on Friday – though down 1.5 percent in the week.

Japan’s Nikkei index rose on average to its highest level in early trade on Monday, after rising 2 percent on Friday to the summit at 10,000 level for the first time in seven months.

Greece managed to avoid the immediate threat of an uncontrolled standard when a number of private creditors agree to exchange the bonds on Friday that would cut the public debt and provide a path for a new bailout.

While Europe’s debt-related concerns will not fade with the completion of the debt swap Greece. According to Barclays Capital analyst’s current focus is likely to change to global growth and monetary policy.

Data last week showed China’s trade balance fell U.S. $ 31.5 billion in February. It shows weak foreign demand.

5 REASONS: WHY WE NEED FINANCIAL PLANNING?

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financial planning tips1. To protect ourselves and our families from financial risk

In the life cycle of course there were times the rising and falling levels of life, and can not be denied, wherever our life situations, certainly relate to money. Ups and downs of the financial situation can still be solved with the help of a professional.

2. For the cost of raising children

Every parent will want to provide the best for their children. Therefore, a sizable portion of household budgets in the cost of raising children that can last about 20-25 years before our children can pay for itself.

3. For the purchase of assets, from cars to home

The home is a major asset that should be owned by someone, other than for use as a residence, the house also becomes an asset whose value is increased from time to time. The second asset is a must-have vehicles. A comfortable life of the vehicle is 5 years. So, like, every 5 years we need to replace our vehicles.

4. To be able to enjoy retirement with a comfortable standard of living

Retirement is a time for us to enjoy a break from work. Obviously we want to enjoy a comfortable standard of living. But from where we can get enough money to pay pensions as we want?

5. To finance the purchase of insurance policies

All the assets we already collect is to satisfy all the needs of family life, but imagine if one day an accident, illness or death, so that we can no longer pay for our family. To protect the economic value of someone who is a source of family income is by insurance.

THE CAPITAL MARKET INDUSTRIAL EDUCATION AS PART OF FORMAL EDUCATION CURRICULUM IN INDONESIA

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A number of capital market participants to assess specific curriculum needs to enter the capital market in the formal education in Indonesia. This is intended to encourage higher domestic investors to enter the capital market. Just imagine 250 million people of Indonesia, the people involved directly to investors just hover around 300 thousand. Of course this is a very small number.

For this reason there is need for a way to enhance the growth of the financial investment industry / public capital markets in Indonesia. The prospects for stocks and derivatives industry in Indonesia, if people are properly educated, then the concerns that had been inherent in the society of the capital markets industry could be lost. Image of the stock and derivative products industry in Indonesia is relatively less received a positive response from the community. This formal special education simply is not only useful for strengthening the investor base, but also will improve the quality of Human Resources (HR) in the industry.

HR needs in this industry will be very high, while the world of education in Indonesia has not entered a specific curriculum and applicable on shares and derivatives, but education is not only an impact on an increasing number of investors but also of human resources in the industry at large.