Category Archives: money

DOLLAR HIGHER, GOLD FUTURES PRICES DECREASING

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Gold futures prices fell along with the strengthening U.S. dollar against the euro so eroded the demand for gold as an investment alternative. Gold futures contract for February delivery fell 0.1 percent to 1596.70 per troy ounce (equivalent to 31.1 grams) at 1:59 PM at the Comex in New York on Monday (19/12/2011) local time.

The strengthening U.S. dollar not the euro zone because of the condition is still bad. European Central Bank President Mario Draghi said, a substantial risk to the economy of Europe is still there. The euro also fell 0.5 percent. It will take much time for investors to regain confidence in gold as a protector of the crisis, given the magnitude of shocks in recent years.

Nevertheless, Andrey Kryuchenkov, an analyst at VTB Capital in London, Monday, remained optimistic gold will perform well in the long run. “Gold will suffer from the recent turmoil because of the liquidity of U.S. dollars, but in the long run gold will remain solid,” said Kryuchenkov.

According to him, an accommodative monetary policy in the world will continue to secure the role of gold as an inflation protector.

INVESTMENT: KNOW HOW ABOUT INVESTMEN PLANNING

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Investing is not an easy matter for some people. Why? Never want to start investing, hear the word investment alone is allergic.

Preaching about the loss of customer funds, and investment accounts bulging burglary are rampant in some of the media makes us afraid to invest. Many customers who suffered investment losses resulting from improper practices of unscrupulous financial practitioners. Afraid to invest …. Trauma …. Yeah …. sure ….. then how? Do we then immediately decided to not have to invest?

Nothing in this world that is free of risk. There are no conditions that will always be in line with expectations and desires. You may say, continue to do? what should we do? The answer: Stay invested (Fixed Investing)

Investment Planning

The investments can be planned, even had to be planned. Investment planning process is the one who became the starting point where your investment will lead to success or failure.

“Investment Planning is a process of how you accumulate assets and regular income that you have today to prepare for the funding requirements that will happen in the future”.

What are the funding requirements in the future? Education your child’s school, where he will continue the university, preparation for your retirement, your sons and daughters weddings and other financial obligations that will arise in the future, that things become a necessity in your future.

Financial obligations in the future it is definitely happening, you can not resist and escape. The next question is: Is Investing Is the Best Choice? Yes, as long as you do proper planning the investment is the best option.

Here are some steps you can take when planning to conduct Investment:

1. Define the purpose / usefulness of your Investment
You must determine what your investing goals. Do you invest the funds only for security (safety), to obtain regular income (cash flow routines) or you expect the development fund (growth). Once you have established which one you choose so your investment will go according to your choice. Many people are when investing, do not know for what purpose. Typically they invest because they see or hear her friend gets hit and then try to snap out of it. Uh, when follow-up rather than a profit even stump ….

2. Determine when your investment funds will be used
You should already know exactly when your funds are needed, what it’s worth and for what purposes. If you already know the details when needed, then the process of selecting an appropriate investment vehicle for the purpose it will be easier. In general, investment products have been divided according to duration: short term (1-2 Years), Medium Term (2-5 Years) and Long Term (> 5 years).

3. Know your investment risk
Each investment must contain risk. No investment is risk free. But you must remember behind every risk there must be benefits. Risks and benefits go hand in hand. High risk would have higher profits and vice versa. If you’ve been offered an investment product that there is no risk but has a higher profit then there are two things we can conclude: “The seller was a fraud, or the seller is stupid” (maaf..)

4. Determine how much funding will be invested and how often you will place the funds
Why is this important? because several investment options typically have a minimum requirement of investment placements. Therefore you need to know how much money you will invest. The point that you can instantly determine if you will invest all at once (lump sum) or will be regularly every month. It has something to do with the method of investment. Both methods are equally good investments, but from some of the literature found that the more often you invest the more efficient the results of your investment.

5. Make a list of choices of investment vehicles
Investment vehicles or instruments on the market a lot. Starting from Bonds, Stocks, Mutual Funds, ETF (Exchange Traded Fund), commodities and options. Many people start investing the first time just because they are offered by the nearest person or did not know any other investment types. Then when the investments lose money, people become traumatized. It is appropriate that you are doing research on the products in the market, then learn the character of each product. Decide which ones you think are most suitable and appropriate to the character and purpose of your investment.

6. Implementation
You’ve planned, already know which investment will you choose, your funds are prepared .., now it’s time to change the plan into action / implementation. Many smart people who planned but never implemented the plan proficiency level. How will you get to the destination if you do not start running. Scared ….lets see…you have planned well. If the plan has been created as possible then the implementation will run in line with expectations as well.

7. Monitor and Evaluate Your Investment funds
Investment Monitor is useful to know what actions must be done if the implementation plan and you do it far off the mark. You will be the primary decision makers regarding what actions should be done. Do not just rely on information from others or your advisor. Heartbreaking incident that happened just about the loss of billions of dollars of customer funds is that investors believe are too full and not routinely monitor the funds.

In reality, investing is not as easy back hand .. Need to keep learning and do not give up when tripped. World Investment continues to grow and very dynamic, where the investment opportunities continue to come to you. The steps above can be used as the first reference when you want to invest. On subsequent occasions, the author will explain other things related to the world of investment and implementation.

3 PRINCIPLES IN FINANCIAL BALANCE MANAGING

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There are three principles in managing financial balance, you can be a smart person in managing your finances. And smart financial management can provide a balance in your life and family.

1. Balance between how you look and how to manage your finances.
Perhaps we often meet with people who are so good at in terms of finding money. The person has a sense of business is very good, creative, and what he does always make money. Or just like the experience of my friends who are very industrious and enterprising in the office and get a good salary but can not manage its finances. People like this is a clever type of person looking for money, but very weak in terms of management or otherwise, there is a very intelligent person to manage, but less good for the money, so the ordinary lives of ordinary. Ideally be looking for clever people and clever money is also managing finances.

2. Balanced when it should save and when it should use.
The easier it get credit card facilities, making us easily there friction friction here to get or enjoy all the things we want. This type of person like this is the type of people who are too generous and very wasteful, such people are often trapped by debt, especially credit card debt through that can be done with it so easily. People like not knowing when to save and when to use. Conversely there are also people who are too stingy, so as to things that are really needed, he should think a thousand times before the break.

3. Balanced between when the time to invest and enjoy your money.
Recently I had the confidence to occupy a specific position in world capital markets, and I saw a very surprising that recently I have experienced. Most people invest their money for investment either through securities (bonds), bonds, indexes, futures and various other investment instruments. And they are fully prepared to invest substantial money to achieve the highest profits. But what happens, attitude takes a shortcut to get rich this way it brings failure. As a result they are losing money without a chance to enjoy a hard-earned money to find.