Why You Must choose Secure Invesment?

Posted by Herbaldhy at 6:40 AM 0

Referred to as investment or capital investment, we invest some money or buy an asset with a view to obtaining an advantage in a specific time that you specify. Obviously we always want the benefits of any investments that we have decided. But who would dare to guarantee that if you invest it, or it must be profitable. Well this is where art investing. What type of investment you decide, how much, how long you hold, and when to take it off, and the other predictions are beyond our calculation. Investments that can provide opportunities for greater profits, it will usually be followed with greater risk of loss as well. For those of us with a mediocre capital must always choose the type of investment which if the safe and profitable. The problem is what kind of investments are suitable, safe and profitable.

Everyone who wants to succeed must invest to achieve its objectives. How to achieve that success is not the same for everyone. Success begins with choosing the right way to invest that can take you to the destination you want to accomplish.

Capital investment one of popular investment nowadays

Investment shared into 3 groups:

1. minimum yield minimum risk results (minimal risk, minimal)

2. medium risk medium yield results (intermediate risk, the result is)

3. the results are high risk high yield (high risk, big results)

All of that is the obvious choice each person has a desire that is different. As an investor who must learn to see the many facets and ways how to spot opportunities, positioning, minimize risk, and prediction as well as knowledge of good and complete.

Trying their best, keeping an open mind to learn and continue to think positive is the most important before knowing anything.

Here are some approaches you can use as a reference. Advantages and Disadvantages of some type of investment before you make a decision:

1. SAVINGS

Save money in the bank for use later if needed

Profit:

 Can be taken at any time and do not have a small relative risk

Loss: 

 Money can be easily reduced, as it can be taken at any time with ease and little interest.

2.DEPOSITS

SAVING MONEY FOR A PARTICULAR PERIOD, IF THE MONEY IS NOT YET DUE OR WILL BE TAKEN WHEN TAKEN BEFORE penalty MATURITY.

Profit: 

 Very low risk. Acceptable rates greater than regular savings.

Loss: 

 Profits or interest received much less when compared with other types of investments that are dealing directly with market risk.

3.MUTUAL FUND

Is the place to collectively raise funds. The money raised will be managed by the Investment Manager to be invested in other investment types. If the gain or loss will be divided equally to the investors. This may be an option for those who are just starting to invest. Different types of risk, depending on the selected type of risk.

Profit: 

 Because invested a lot of places, so if there is a loss in one place can be saved in other places that might make a profit. Here you do not need to have a lot of knowledge, because it is managed by the Investment Manager.

Loss: 

 Giving credence to the fund management institutions for some people, because it does not run itself is often not satisfied with the results. There are administrative costs.

4.BONDS

Bonds are debt instruments, is proof that we give loans to certain companies or government. Parties who owe will provide interest for a specified period. Debt repayment period of more than one year. The safest bonds are bonds or debentures of the country.

Profit : 

 Greater than the deposit interest rate.

Loss: 

 Long-term (> 1 year), so it can not be liquidated if necessary or if you want to invest another. If the party who owes bankrupt, means it can not return the debt.

5.SHARE

Have the means you have an ownership stake in a company. The money that we plant used as capital for the company. The Company will provide an acceptable profit to the shareholders is called dividend. When judged good or a lot of people who are interested to buy shares in a company, the price will go up, so when you sell your shares will benefit. Conversely, if the company suffers losses, the stock could go down so that you can suffer losses. This stock can be purchased at the company's securities. For each purchase or sale transaction, you will be charged.

Profit:

Can bring in huge profits when stock prices rise. With little capital, can be obtained the results many times over.

Loss:

Greater risk of losing all, when stock prices fall.

6.GOLD

Gold prices tend to rise every year, which is why many people who buy gold and then sell when the price goes up. If you want to use for investment, gold should be bought precious metal than gold bars or coins in the form of jewelry. Gold bullion or coins not experience shrinkage or the cost of manufacture is usually worn when we sell in the form of jewelry.

Profit:

Liquid assets or assets are an easy sell.

Loss:

In storage because it is difficult if not careful can easily be stolen.

7.PROPERTY

Just like gold, the price of a house and land property is likely to rise. By purchasing the property, and sell it in the future will be profitable because the selling price has gone up. Housing prices will quickly rise if strategic location or proximity to public facilities, this may be a consideration when choosing a location. When going to buy a residential home yet or still under construction, ensure that the developer can be trusted and there is a clear agreement, because there are some cases, after we pay, housing construction was discontinued resulting in losses.

Profit:

Little risk and can be rented out so it can provide extra income.

Loss:

Need funds to buy a house or land. Property is not a liquid asset because it is not easy to sell when times need the money.

Please choose in accordance with your heart, good luck! 

Why We couldn't be Rich?

Posted by Herbaldhy at 2:00 AM 0

Money often makes people dizzy from time to time. Some people try to do things that can make money more valuable, but few people actually even let the money disappear.

One way is to do some things not profitable, such as waste and not saving or investing. Useless things like this that people do not realize that his wealth will be gone in no time.

Here are some things you should avoid or stop doing when it happened, because it can threaten your financial health, as quoted from freefrombroke.com, Thursday (15/02/2012).

1. Do not have a budget

Have no budget at all can be harmful to your financial condition. Do not until you decide to "just use the money first, then later we count at the end of the month."

2. Do not have a description for monthly expenses

Do not have a record budget, at least you should have cost estimates expenditure per month. Preview and record expenditure was necessary because there will be some costs that are often unconsciously you spend.

3. Not have investments that generate

You can say goodbye to your financial condition because it will soon die if they do not have any profitable investment, the minimum can make money even if only slightly. Do not use the internet only for online shopping, but also find information about an investment instrument, and invest!

4. Not aware of the latest economic developments

Though they laud the money (for being squandered), the spenders will not know about the latest economic developments. European crisis, oh? Indonesia is investment grade, what is it? It was only after her money runs out, they realized that his behavior in vain.

5. Did not enjoy his career but did not say anything

If you do not like the career you live, do not say anything, there are many career options out there that you are ready to work on. If passed, but not productive nor does it make you feel comfortable in making money.

6. Do not have a priority in the financial

Of course, the first thing he saw he would buy for people who like extravagant. They do not have a priority in his life, even to save though.

7. Frequent change-change car

Buying a car, be it credit or cash should be done with long-term plans. Do not be, you just buy a car with an estimate if you are tired of living buy again. Do not let your feelings win prestige in this position. Needless to arrogant for not good financially.

8. Not caring for the goods

People who are wasteful not only because it is often a waste of money, do not appreciate the use of items purchased, including waste of money. In fact, people are lazy to take care of the goods usually do not want to fix something if it is damaged, but chose to buy a new one. That's why they usually have a new car, new computers, new mobile phone.

9. Buying a giant flat screen TV

Everyone will want a giant tv at home so I could feel I have a private cinema. But, if you think clearly, the money can be used for other purposes. No need to force yourself to repay everything. So there is no flat screen smaller? And is not tv tubes are also still available? Or you feel behind the times with the old model tv?

10. Premium cable TV subscription

Who does not like the events HBO or Fox? Okay if you want to subscribe to the channel, but do not you want to subscribe to all channels provided by cable operators.

In fact, they will force you to subscribe to the package because it is cheaper, but it is not. Admit it, maybe not all the other channels you watch every day as well. What a pity if you spend $ 1 million a month just for tv subscription.

11. TV in every room

Having had a giant TV and pay TV is quite expensive, you still want to enjoy all the channels in each room, then you decide to buy a TV to be stored at each corner of the house. You would love to watch TV until it was willing to miss any event.

12. Eat out

In addition to unhealthy for the body, often eating out also endanger your financial health. Do not until you get used to the food served by someone else when you or your wife can menyiakan own, with a cheaper price.

13. Alternate phone

It is clear, often changing phones (let alone chasing the latest trend of the model) is a waste of a bully. If you think carefully, the price of electronic products which have never bought up, in contrast to a house or land.

The value of goods you buy will decrease over time. You will really lose if you repay the phone, once settled, the actual value is much reduced from the initial price. Typically, such people are always claiming they do not lose as it gets the satisfaction of mutually phones.

14. Never exercise

What to do with the financial condition of the exercise? A lot. A healthy body is an asset that must be guarded carefully. The more healthy you are, the more chance of making money. If you are sick, but also difficult to find the money you have to spend much money for the cost of care.

15. The new spending is often well-known branded

New clothes with famous brand has always been the enemy of your financial. Do not get tempted to buy it and get stuck unless you really need. You need a brand? Perhaps, for those who want to be viewed by others. Customize your brand needs.

16. Many buy gifts for the holidays

Ever hear stories of people caught in credit card debt just because of Eid yesterday to buy too many divided families and neighbors in the village? Sharing is beautiful and linking ties, but that does not mean you have to sacrifice so much is not it?

17. Computer upgrades every year

People who are wasteful like flipping a computer component as often as baby changing diapers. They always have a reason to buy new parts every few months. Yes you are correct, the computer was not even used to help the work.

18. Got a lot gadgets

Got a lot of electronic equipment (gadgets) are sometimes the same function. Want to hear music, have an iPod or MP3 player. Want to play the game, got an iPod Touch or a Sony Playstation Portable (PSP). Want to surf the internet, have the iPad or Samsung Galaxy Tab. Want to read the book, have a Kindle or eReader Kobo. In hindsight, all these functions can be found in only one smart phone.

Conclusion:

Such habits are bad news for your financial condition. If after reading this you find the points that were ever you do, reevaluate and make positive changes in your life.