PORTFOLIO SUGGESTION; Yet improving the European economic crisis, still the main triggers decrease in global exchange-exchange movements, therefore need to be more aware of your investment instrument. That’s not too affected will be the crisis of Europe’s property market, it could be your choice. Also with its consolidation Indonesia stock exchange, still could be a consideration of investment, particularly the property sector stocks and infrastructure.
MARKET OUTLOOK; Estimated discharge of Greece from the European Union, the triggering worries for the resolution of the economic crisis in Europe, and was influential on the global Exchange-Exchange tends to weaken. However hopes of an EU meeting in Brussels are expected to be able to provide a solution for solving the crisis of the European economy.
American Region; The development of the US economy still looks less improved. Some economists predict that Unemployment Claims rise 372K indicator of the value of the previous period i.e. 370K. Likewise Report indicators of Durable Goods Orders m/m in April, growing slower i.e. 0.2%, which was previously expected to grow up to 0.5%. The US Dollar observed moving down to respond to developments.
Region Europe; The split that occurred at a meeting of European leaders, that is, between Germany and France, which initially was the producer and austerity, putting pressure on the Euro. Plus the estimated number of economists who claimed that the German If Business Climate indicator can show a less favorable performance and decreased 109.4 from value in the previous period which is 109.9.
The United Kingdom; The negative sentiment towards Sterling appears to be getting stronger after just Office for National Statistics (Statistical Office of the United Kingdom) report to the public that the United Kingdom’s economy shrinks more than the initial estimates. The alarming condition indicated by the poor value of fundamental indicators of the Revised GDP q/q, which deteriorated into a-0.3% of the value of the previous period-i.e. 0.2%. The slow down shows the performance of the more ugly than its estimate of economists, who predict it will remain at the value of 0.1%. The foreign exchange value of Sterling tracked moves down to respond to these developments.
Stock Index; On wall street, trading exchanges Thursday (5/05), the index S & P 500 experienced retreat of 0.4% and ending at the position of 1324.80 points in the morning. Decline in this index had reached 0.5%. Meanwhile, the Dow Jones looks experienced a decrease of 33.45 points (0.3%) and ends at the position of 12598.55 points, the lowest since January 18.
IHSG; Yet there is a strong sentiment that encourage TRADE on the TRADE on the rise, making the move consolidation. Positive TRADE on the closed points (3.29%) to as low as 0.08 3.984,87 on Shares of stock which became the top gainers today is the CENT, ASDM, YOSHI FE, MFMI, PTSP, ERTX, SAFE, HERO, MTFN and SCBD. As well as being on the order of the list is the HDTX, RBMS, DSSA, AGRO, INRU, LPGI, LMPI, MYTX, PTIS and ABBA. Still of concern will be to expel Greece from the European zone as well as the weakening of China’s growth in the global market, weakening the majority if this continues, then the TRADE is expected to be weakened.
Hang Seng Index; On the stock exchange of Hong Kong, at the time, would be no solution for solving the economic crisis Greece admits Eu Summit in Brussels, it gives a negative impact. Hang Seng index on Thursday (25/05) was closed down by 0.64% become weakened 18666,4 basis points. While the futures index plunged by 28 points to 18516 base points with a level of support of 18437 points and levels of resistant 19083 points. The movement of stock exchange of Hong Kong seems to be still weakened, given the obscurity of the settlement of the crisis worries will Greece is still quite strong.
In human life, a risk factor is something that will certainly happen. Starting from the risk of loss of assets or property, the risk of sickness, disability total up to the risk of losing lives or dies. The cause could naturally (due to illness) or because of accidents and ironically we never know when that risk will occur. However, humans can still perform risk management by transferring the risk to another party (in this case the insurance company) is one of the ways.
During this paradigm in the community regarding insurance, is still synonymous with misfortunes like accident, died, and so on. In fact, insurance is protection against the economic value of a person. The economic value of the life of a head of family (the breadwinner) is equal to the capacity of his earnings. If the value of the economic life of a head of family is lost or diminished, then that will suffer directly for loss were his relatives. Why need to be protected? Because human beings have always faced the events which would pose a risk as follows;
- Death (death) either naturally (natural death) and died at a young age due to illness, accident (accidental death) and so on.
- Disability Agency (disability) due to illness or accident.
- Critical illness
- Old age (old age)/Retirement
Bond Market In Rupiah Began To Fall After The Indonesian Rupiah Is Very Weak Against Greenback
Bond market rupiah began to fall after the rupiah against the greenback is very weak. After the retreat from the market a few weeks ago, the central bank came back today with some reports buying bonds benchmark tenor of 10 years to prevent it from coming down from further correction. The lack of intervention in a series of long-term bonds resulted in higher yield 3 to 7 bps, especially for benchmark bonds series tenor 20 years.
1 tahunÂ Â Â Â Â Â Â SPNÂ Â Â Â 4.05%
3 tahunÂ Â Â Â Â Â FR27Â Â Â 5.08%
5 tahunÂ Â Â Â Â Â Â FR60Â Â Â 5.48%
10 tahunÂ Â Â Â Â FR61Â Â Â 6.49%
15 tahunÂ Â Â Â FR59Â Â Â 6.83%
20 tahunÂ Â Â Â Â FR58Â Â Â Â Â 7.23%
There are other disbursements in the global bond market today, which causes the market returns to the lowest price as the day at back. It was triggered first by the anxiety caused by the INR is much weaker that cause CDS to spike up to 250, and therefore prompted selling in cash bond. Indonesia under perform the whole Asian market today. The price ranges from 1.25 points for Indon 22 and Indon42. Indon 22 last traded price 96.00 (-1.25 points, 5.37%, T + 305 bps). Indo CDS tenor 5 years in the range of 237/242 (+ 14 bps).
Yield indikatif buy/sell:
Indon 14oÂ Â Â Â Â Â Â Â Â 2.90% / 2.69%
Indon 16Â Â Â Â Â Â Â Â Â Â Â 3.09% / 2.96%
Indon 21Â Â Â Â Â Â Â Â Â Â Â 4.33% / 4.26%
Indon 22Â Â Â Â Â Â Â Â Â Â Â 4.25% / 4.22%
Indon 42Â Â Â Â Â Â Â Â Â Â Â 5.42% / 5.35%
Rising action volume investors who buy stocks oversold condition responds that happened today, giving positive for Korea Exchange was swept up in the South. Kospi index on Thursday was closed 0.32% to increased by 1814,47 basis points. While the futures index suffered a flat at level 240,4 basis points with support level of 237,37 points and levels of resistant of 242,68 points. South Korea Exchange movement is still not secure, still see results that will occur at the confluence of Brussels which is expected to provide a solution to the economic crisis in Greece.
The Nikkei Index; Hope there is discussion of the resolution of the economic crisis of Greece by the European Union at Brussels meeting tomorrow, give a positive for Japan exchange speculation. Nikkei on Thursday (25/05) increased by 0.1% to 8563,38 basis points. While the futures index experienced an increase of 71 points become 8580 basis points with support of 8483 level points and levels of resistant 8622 points. Japan stock exchange movements still affected the American Stock Exchange, the American Stock Exchange if weakened, most likely Japan Exchange part weakened, so otherwise.
Gold; Gold prices rise on this night (25/05), plus an estimated global economic data such as the business data in the United Kingdom and swept up declining unemployment claims in the us last week, became the trigger for such increases. However, in the next movement, is still not secure, still see the strength of the u.s. dollar against the currencies of other majorities.
Property; The construction of The Signature Tower is working with MGM Hospitality that presents a luxury hotel in Jakarta, Indonesia property market will make it more promising. “Expansion 5 star hotel for 2011 is indeed not high, averaging only 65%. Despite the highest 72%. With this cooperation, and we talked a fairly well known world of MGM, the demand for it is still promising, “
What are the benefits that we can earn by having life insurance?
Make sure that your family has sufficient funds if You died unexpectedly. Or, your family get protection while you experience permanent disability due to illness in total that you suffer so you won’t be able to work in such an everlasting.
Of course, we can never expect the occurrence of disasters. If that happens, when you’ve been inalienable with life insurance products, family as heirs will get valuable protection against the risk of the occurrence of unexpected things in the form of sum assured.
Make sure that your family can maintain the standard of quality of life when You died. Without the protection of insurance, the incident resulted in missing family resources so that the standard of your family life subsequently decreased.
Condition is unexpected and negative effects can be eliminated when you already have life insurance policy. Insurance policy you have will provide financial compensation in the form of sum assured and other insurance benefits for your family as heirs. Of course, the compensation they get corresponds to the insurance program that you bought.
Fund Your children’s education. Currently, educational needs from time to time have improved quite significantly. There are many elderly people who mess with the magnitude of the school fees for the children of those who want to get to the level of elementary, junior high, HIGH SCHOOL, or college.
When you’ve included Your beloved children in Education, insurance policy or insurance policy You already includes the planning needs of the education costs for children, a heavy burden on Your shoulders in finance their education was to be resolved.
When you pay a premium, the allusion You pay little by little to the future needs of your children. At the time they enter school age appropriate provision in the policy, a sum assured will come out or be withdrawn. Funds from the sum assured this will really help You when children enter the education further.
Meet your needs in the old days or the availability of savings days old. By the time you still fit in the productive age, you can get maximum earnings, and it corresponds to the contributions that you do.
As time goes by, your age is still continuing, and at one point You will enter retirement. Then, the premium you pay for the purposes of the old days will be able to assist you in sufficient variety of needs. You continue to receive sufficient funds for your needs from month to month.
Common mistakes in business expansion
As an entrepreneur You have always wanted a dynamic expansible. However, sometimes the expansion you do not run out as you expect in the business goals that have been established.
Here are some of the common mistakes often committed entrepreneur when doing the expansion:
1. the Incessant marketing without offset by the quality of customer service as well as not operational services offset the inability of rapid sales figures. The industry often do this normally from the telecommunications industry and the internet, in its main banking for credit cards and credit consumerism.
2. Large pegs instead of the mast. Exceptional business expansion is often not imbedding by readiness for operational or capital. The result is often the cause of bad credit and also loads in financial balance sheets.
3. Errors in assessing the numbers optimum productivity. Many decision-makers or top management often erred in assessing the eligibility of investments and business expansion. Though not all business as possible and as many decent created. There is a curve of the cornerstones between operational costs with the production output is appropriate. The addition of working capital and machines (as well as labor) will only generate the investment redundant.
4. Too believe in the system. This is very fatal and often occur on the company’s newly expanded rapidly. Monitoring and assessment as well as the evaluation of continuously remain necessary even though the people in it have been very reliable. Proven corruption including the corruption of time occur more frequently in people who have spent years in the system. People’s trust or not trust should be assessed objectively.
5. Ignore the potential of human resources. There is a saying, “Success is about the man behind the gun.” It not only includes level of overall team members but also from the start until the bottom with the staff of the Board of Directors. You can’t possibly say your bank as the best if the service call center-its not polite and understand the issues facing customer.
In order to Excel in business competition
Three things that are important in the eyes of consumers; price, quality, and speed. The increasing competition at this present time, inevitably, makes the manufacturer or service provider should be able to give a third matter to consumers. Here are tips that you can follow to be able to fulfill the wishes of consumers and Excel in competition:
Good in everything, great at one thing
Consumers expect your business can offer you the best quality, cheap price, and timely service. However, consumers do not expect your business in these three aspects mentioned above. You can do is find out the rating of your business in terms of price, quality, and service. Look for people who can provide objective assessment. Make sure your company’s performance is better than Your competitors in 1 thing, and can fairly compete for 2 other things.
Tighten up your position
Customers will choose good service, product, food, or anything else they want to get out of the money they spend is based on the advantages offered to the company. If they are not sure what the advantages your company, they will prefer the company of competitors who are already obvious benefits, and can deliver what they are looking for. Steps that you can do is determine, adding the excess, and promote you. If you have the prices tend to be cheaper than your competitors, make sure you have a team that is always monitoring the prices of competitors in order to ensure that your price is the best. Don’t forget to promote your competitive price to help sales.
But if your company better than the competitors, make sure it actually happened. For example, if your company was able to complete orders on time and in good condition, then treat the brand positioning. Promote, that your company is the one that maintains the efficiency of work and time. If quality is Your virtue, both in terms of products, services, expertise, convenience, and business settings, or the overall reputation, then keep your excess by constantly improving your product or service.
Try the popularity of the brand with Franchising
Who is familiar with the franchise system a.k.a. franchise right now? Franchising can be defined as an Alliance where one of the parties was given rights to capitalize and or use of intellectual property rights or meeting from Hallmark business owned by another party with a reward based on requirements set by such other parties in the framework of the provision of and or sale of goods and services.
waralaba0911Kadang business people feel hopeless in the face of various obstacles in the market the brand that he had. Well, if you also face similar problems (brand never known people). Don’t worry, maybe a franchise system is an answer that you wait this long. Then how his favor if we make a franchise with a brand that we have?
according, financial consultants and coaches entrepreneurship, partnership can be built to make more people aware of the presence of your brand on the market (enhancing brand awareness). In addition, the risks that our responsibility alone at first could be doled out to partners. Partnerships make the brand we can reach more markets and by themselves make more people know and use them.
And to build a partnership or a partnership, we also need a lot of preparation. An important point that should be kept in mind before developing into a brand franchise systems by franchise business is that the bottom line is to duplicate or reproduce what already exists. Franchisees (franchisor ‘s) need to be careful in choosing the things that could be distributed to the franchisees (franchisees) because if less scrupulous, things that should remain a ‘ secret recipes ‘ into the open kitchen to many people.
For brand owners/businesses that want to focus on the stabilization of product quality and brand that he was selling, hire the services of a consultant and agency franchisees is a great solution for building a franchise system for your brand. They will implement this mapping research for Standard Operational Procedure (SOP) that will be distributed to the franchisees The Agency can also provide assistance in finding partners that are equivalent.
In order to Bring Profit Franchise Mini-market
selects the location to be a major factor in the success of business franchise mini market. Do not be surprised if some of the franchise brand mini market remain crowded even though the buyer only in the distance stood alongside hundreds or even tens of meters only. Here’s a trick that could be applied in order to make a profit You reached. mini market
Location, location and location
Location is indeed important and determines the success of your franchise business, but also a mini market can make you losers. The main criteria in choosing the location of which are adjacent to other business centers such as restaurant or bank. Location near the commercial and housing can also be a consideration, as well as easy access.
Has the soul of entrepreneurship
Existing franchise business success system is set up an escape from . Franchisees must be prepared and have an entrepreneurial spirit entrepreneur.
Jelly sweep the market share
Mini market which stood alongside an outright threat retail franchise business failure. A lot of factors that influence the success of franchise businesses that compete with competitor mini market in one region. Most pattern is who first set up shop he would survive. Local community Mindset because it was already awakened first knew him.
In addition, the niche markets in the region also indeed potential. Not so the problem if there is a mini market grow side by side but still crowded visitors. Its market is big enough so if divided by 2 or 3 is also not a problem.
Which make unsuccessful
Mini marketbusiness failure factors with a system of franchises include:
* The location has not yet been developed.
* Changes to the access road.
* Larger competitors Appeared like a supermarket.
* More than five modern retail competitors standing around the same are
We often get posts and tags from your friends and shop online at Facebook account instead? Yes, sales with this system turned out to be somewhat effective enough was done in Facebook. Existing social networks make it easy for the seller to shaping sweep their buyers.
Then, what about Twitter? Social media one also has social networking is not lost to Facebook. However, during this Twitter is often used internally to ‘ share ‘ the information, not in the form of two-way communication. Starr Hall, an expert on social Web from the United States found a gap to utilize Twitter as an effective means of marketing.
“After several years of using Twitter, I found some features that can be utilized to establish rapport and build brand,” said Hall.
According to Hall, there are five things that could be utilized on Twitter to increase your marketing strategy:
1. make the most of search options
Advanced search on search.twitter.com allows users to insert the keywords people use to find the likelihood of a person or product.
In addition, the search function allows users to create tweet targets in specific areas without having to get out of the community before. This allows local businesses to reach out to Twitter users in their area.
2. Tweet improve search engine optimization
Tweet often do not just make the user remains active in the news feeds, but also increase the user’s position in the online search.
However, be sure to use keywords that are easy to remember in the tweet as often as possible. If you don’t use your company name or your real name, then make sure that information is in the personal data of your Twitter. This is important because it can help Google in making the content index that match your business.
Then, you can use Google Alerts to monitor your name and your company. Information about people’s opinion about your company or business rivalry may be gained here.
3. Establish relationships with the media
Some tools on Twitter can help you to find a reporter or editor and find out how active they are on Twitter. That way, you can determine which media fits with your business and can make connections with reporters in certain media.
4. reach out to mobile users
Mobile users is a good market for your business. Twitter allows you to create tweets sent directly to your friends on Twitter as SMS. In Indonesia alone, some operators have already issued the service telekmunikasi, as Axis and Indosat.
5. change the topic every time you do a tweet
This is done to improve your Twitter traffic. Often changing the topic was able to attract many people to look at your Twitter. And if you load that topic in a different time, then the range of people to be gained even more.
“Twitter is a tool that can help you to find what you like and look for your target market. And if you can exploit it correctly, Twitter can improve network and traffic for your site,