Nokia revealed a net loss during the first three months of 2012 reached 1.2 billion U.S. dollars.

Nokia Chief Executive, Stephen Elop, said the company is facing much tougher competition from other companies.

“Over the past year which we apply the strategy has paid off. But the challenges and competition that we faced were far greater than expected,” said Elop.

“We recorded a good performance in a number of markets, including in the United States, but took other markets were not as easy as we thought,” said Elop.

He explains the rapid changes in the global telecommunications industry Nokia should continue to make the transition quickly.
Leave Symbian

Under the leadership Elop, Nokia make changes slowly left the Symbian operating system and install Windows on their smart phones.

Named Lumia, Nokia launched a mobile phone Windows operating system in October last year.

Analysts say Lumia has not managed to establish a position in the smart mobile phone market as handset sales data shows this class dropped to 12 million units in the first quarter of this year, while the year before Nokia managed to sell 24 million smart phones.

Overall Nokia sold 83 million phones in the period, down from 108 million were sold on the Nokia 2011.

Responding to sluggish consumer responses to Lumia, which sold two million units worldwide, Elop said was a clear sign that Nokia needs to implement a more aggressive strategy.

Nokia is still the largest cell phone maker in the world, but the popularity of smart phones made ​​by Samsung and Apple makes Nokia market share continues to shrink.

The U.S. central bank will not provide additional monetary stimulus unless the U.S. economic expansion is disrupted or prices rose at a slower rate of 2 per cent target. The statement released on Tuesday (03/04/2012) local time, referring to a meeting on 13 March.

As a result, the U.S. dollar rose to its highest level for a week against six major currencies. On the other hand, the euro weakened Spain’s debt.

Photo printing business trends will be increasingly replaced the use of digital cameras, camera phones to cameras in the tablet. Based on HP’s research, the conventional photo printing business in the world in 2013 is expected to decline 4 percent.
Creative photo business and personal publishing is a business that has a core business of digital photo printing, but combined with conventional products. For example, photo book, calendar or products that use the photo.

The way businesses work is combined with high-tech photo printing, easy to use and affordable investment for business owners.

Especially when looking at the market, customer demand is still great in print. Especially in print documentation such as marriage, birth, graduation or school graduation, birthday and other days.

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.

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.

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.

Chairman of LPS/DIC Firdaus Djaelani said the accounts that have a value of more than IDR 2 billion is there as much as 136,890 accounts with total deposits reaching IDR 1.436, 45 trillion.

“Indeed, the number of accounts that only 0.13 percent of total accounts it holds half the savings banks. This is because the value of savings exceeds $ 2 billion,” said Firdaus in a meeting with members of the House Commission XI, Senayan, Jakarta, Wednesday (25 / 1) .

He further said, the public’s deposits at commercial banks with a value below IDR 2 billion recorded as many as 101 366 680 accounts with a value of deposits reached IDR 1393.87 billion. Then the total deposits in the banking community reached IDR 2830.32 billion as of December 2011, with the total number of accounts as many as 101 503 570 accounts.

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.

Over the past five years, can balance out the performance of gold stocks. It is strongly associated excess liquidity that will not only lead to dollar weakness and inflation as the traditional factors that drive the price of gold. However, the advantages it has lowered interest rates which led gold storage costs dropped dramatically.

Over the past five years, can balance out the performance of gold stocks. It is strongly associated excess liquidity that will not only lead to dollar weakness and inflation as the traditional factors that drive the price of gold. However, the advantages it has lowered interest rates which led gold storage costs dropped dramatically.

We expect the Fed will be more careful poured liquidity due to already high growth of money supply. Meanwhile, liquidity needs for re-financing the debt would create an international interest rates move up.

Do not ever give up with the situation,,, deficiency and failure is not material to complain … but continue to struggle for a better life, let the state give up with our persistence.