Investment Mutual Funds and Gold Still Cloudy Year

Entering the beginning of 2013, for those of you who intend to start a new course, learn to invest wondering, what is the appropriate investment baskets this year. Financial planners assess, investment funds and precious metals will still be brilliant in this water snake.

CEO & Chief Financial Planner ZAP Finance Pritchard Hapsari Ghozie reveal a person needs to have an investment for his future needs. A good investment is a good investment in accordance with the relevant person’s dream. However, the investment instrument must be adjusted to the financial condition of each.

“Suppose someone who will invest the fund for two years, in contrast to investment instruments with people who will invest the fund for 10
years. Financial conditions also need to be seen, “said Pritchard

Pritchard had any recommendations for those who are just starting investment. For ordinary investors, Pritchard suggests, it is good to pay attention to several investment instruments such as mutual funds, precious metals and savings.

According to Pritchard, the investment in stock mutual funds in particular have proven the value of the yield (return) is advantageous. In 2012 alone, he said, the fund yield is much higher than the benchmark, even surpassing Composite Stock Price Index (CSPI), which is only 12% through the numbers. While equity funds can yield up to 30% through the numbers.

In addition, the precious metal was also judged to have an advantage that is promising. Unlike mutual funds whose assets are controlled by the investment manager, for precious metals is the opposite.

“Assets held our own. We are in control,” he said.

To that end, Pritchard predicts, investing in precious metals this year will still be bright. “Last year
Precious metals gain an average of 9% through the numbers, but the precious metal profits not per year but for a matter of 3 years, so gold (precious metals) is still good, “he said.

As for savings, he explained, the investor needs to have an emergency fund in the middle of the road if they need funds unexpectedly. “It is necessary lest amid sudden need of money, rather than having to dilute investments, better capture of savings,” he said.

Splashy gold luster

Within a week’s hoopla happening everywhere (in the public and the media) about the bulging gold investment said. And again for disadvantaged communities.

There are many similar schemes on offer from gold investment boom of a scene in the last 2-3 years. Starting from gardening gold until the last one is to buy gold at a higher price than the market price.

Some people may be confused by the scheme. The simple explanation is that some companies offering to sell gold at prices 25-30% above market price. Then we were promised would receive a minimum return of 2.5% per month or the equivalent of 30% per year. This makes a lot of people interested.

What actually happens is, the money is returned to us in the form of the actual monthly yaaa our money too. Even that is never explained is where the difference in 25-30% of these funds and used for what?

It certainly managed by companies that raise funds. In other words, investors actually “borrowed” the funds to the company to be twisted around, on the pretext of underlying assets such as gold bullion, which is already a right of investors who purchased the premium price.

Now, the question on “play” Where’s the money? It may be traded to the stock market, or indeed made play forex buy gold futures contract. That was never explained to investors is the risk of the transactions of the fund.

Society is seduced by the promise of physical gold as a great investment plus the return. And when the transaction is stalled alias or loss can not be played, then the blur is the owner of this company.

Genesis-Abal Abal investment can provide a lot of feedback for us all. There are several conclusions that we can draw are:
1. Educate the public about financial products and investment is still less so
2. Our society is still much to dream of sudden wealth, a result
3. Society does not “alert” and quickly seduced by the lure of “interest” or for very high yields
4. Weak laws on investment and fundraising, outside of which is set up now
5. Weak regulation and supervision beyond that already exist, because the regulator overseeing its scope of work as stated in the law, outside of it goes into the realm of common law (criminal fraud)
6. And many other PR

So, as long as those things above are not solved, then get ready every year there will be a new fraud schemes and different modes. So … as said Bang Napi …. Beware.

Ideas for wedding bouquets

Ah, spring, a time of new beginnings, new life grass, more hot days and a time of great year for a beautiful wedding. Spring brings a new set of blooming flowers that are beautiful in your special day for a spring wedding can be integrated authentic.

If you have opted for a spring wedding, seasonal flowers to offer to add a fresh note of the natural day. Part of the beauty of flowers is delicate fragility, but if you are worried about your flowers damaged because wedding insurance can provide trustworthy financial security.
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Job Training, Gateway to the World of Work

The implementation of practical work in a development project will provide many lessons learned in the field of civil engineering, which involves both technical and project management in the field. These experiences complement students’ knowledge acquired during the lecture bench.

A construction project is a complex work with a high degree of difficulty and requires quite a bit of resources to support the success of a development project, it is not only influenced by the quality of materials used, but also influenced by planning methods / ways of working that will be implemented and work same / better coordination between the relevant parties in the implementation of development projects. Continue reading “Job Training, Gateway to the World of Work”

How To Take Care Batik Silk

How To Take Care Batik Silk-care Tips silk batik. There are a lot of people are asking about how to keep silk batik fabric be durable, not easily worn or worn, the colors remain bright and does not fade, and keep emit brightness when worn.

How to care so durable silk batik is something important. In addition to it the price is relatively expensive, silk batik cloth when kept in good condition it will reveal the beauty of the wearer and the garment itself when worn.

Batik fabrics with a variety of very important basic material treated and maintained in order to preserve the beauty of batik motif, color and material.

How To Take Care Batik Silk Continue reading “How To Take Care Batik Silk”

What to do if your dog steals food

A few dogs can not resist the temptation of food. If they see it, they usually try to acquire them. These remains are leftovers that have fallen to the ground, and the objects left sitting on the kitchen table is. A plate of food on her knees an owner who was asleep on the couch is probably eaten before he wakes up.
It is important to realize that dog food without feeling fly. Your guilt behavior does not fight that way. They are simply attracted to it (usually by the smell, but often by sight), and to use all means in their power to get it. In cases where the animal is punished for behavior, this is probably the reason why it happens to be understood.
But stopping the habit is necessary to avoid frustrations in the future. This can be accomplished without the use of punishment. In this article, we show you some suggestions that will help you.
Make sure your dog is well fed
When reality TV show “Survivor” candidates spend several days with a little more than eat a few spoonfuls of rice. When they hit a small piece of bread or meat, it is their motivation to acquire their high. If your dog is hungry, it is the same motivation to face a feast.
Make sure your dog gets enough food. So he sometimes try to take food from others, if given the chance, he will be less inclined to do so. A full stomach will run motivation.
Restrict access to food Continue reading “What to do if your dog steals food”

Beautiful uninhabited island

Take a trip nature is one that is very exciting kind of holiday. Not only we can enjoy the beautiful scenery during the holidays alone, but we also get a bit of learning how to take care of nature in which we live today.

There is one place that we can use as a nature tourism. In a small uninhabited island in the South of Malang precisely, we will be treated to a very beautiful panorama reversed that looked haunted island surrounded by reefs surrounding sharp.

But make no mistake, on the island of coral that looks haunted there is paradise in the middle of the middle. An island that has a lake in the middle of the middle. Continue reading “Beautiful uninhabited island”

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Your marriage is in trouble, and you want to do everything you can to save your marriage. To understand how to get your relationship at this point, we need to check how you got here in the first place. In an effort to help you save your marriage, we will first examine the most common causes of divorce.

Often entire married life, change our priorities. A marriage consists of two distinct individuals with their own set of values. Although initially these values are integral to gather, to change the values and priorities in certain conditions. For example, you had your first child. Priority will be now decided to increase your babies and provide support and advice for at least the next 18 years. Continue reading “I want to save my marriage – Top Causes of Divorce”

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Is love enough for a happy marriage?

Often, men and women have doubts about whether they marry. They do not know if their love is something they get in tough times that every marriage faces. This is not unusual, but there is something before you tackle your wedding day. Love is very important to work for a wedding. Just like your marriage is looming more and you start to doubt about it, think about how you got through love before.

Face your fears
Continue reading “Is love enough for a happy marriage?”