PRICE of gold continues to rise after surging 2 percent in trading Thursday. The rise in gold prices could not be separated from the steps the U.S. Federal Reserve, the Federal Reserve, which issued a new stimulus to encourage job creation in the U.S..
Reuters news agency reported Friday, September 14, 2012, the price of spot gold traded at U.S. $ 1,766.75 U.S., after surging 2 percent on Thursday to U.S. $ 1,772.26, the highest since February 29. Meanwhile, the index of commodity Thomson Reuters-Jefferies CRB index rose 0.55 percent on Thursday, touching its highest level since March.
In Singapore, spot gold prices on Friday morning, up 0.1 percent to U.S. $ 1,768.44 per ounce. Throughout this week gold has risen 1.9 percent. This represents an increase of gold for four consecutive weeks.
Why is gold so attractive for investors to continue to strengthen in the past four weeks?
Jeff Sica, chief investment officer of Sica Wealth Management currently manages client assets of more than U.S. $ 1 billion, to see that gold as a major investment in the face of a weakening dollar.
“The appeal of gold as a refuge from the fear and the secondary currency has never been unparalleled,” Sica said in an e-mail to Reuters. He estimates that commodity prices will continue to rise.
Sica doubt that the market euphoria will not last long, as investors will soon shift their focus to the economic fundamentals are weak.
Although traded slightly higher, in fact during the weakening dollar. The dollar index, measured against a basket of currencies in the world, hovering near its lowest level in four months, at 79.18.
The dollar traded up 0.1 percent at 77.57 yen, recovering from a seven-month low at 77.13 yen. The euro held steady at U.S. $ 1.2987, just below the highest level in four months at U.S. $ 1.3002.
Q: We were taking a walk in Princeton, New Jersey and were shocked by how many investment firms lined the streets. What are the major differences investors should consider when evaluating different investment firms, their services and their Financial Advisors?
The Problem – Choosing the Right Financial Advisor at the Right Firm. A recent internet based yellow page search for the words “stock broker” lists over 50 results in Princeton, New Jersey alone. They all seem the same, with one name fancier than the next. Their services range from stock brokerage to financial planning and wealth management. With so many firms to choose from, investors can easily make a wrong decision, which they will regret for the rest of their lives.
The Solution – A Little Due Diligence Goes a Long Way. Choosing the right financial advisor at the right firm is similar to selecting the right surgeon at the right hospital, but with a couple twists. Every investors needs to understand the different types of investment firms before they can make an educated decision.
Let’s start with the largest firms in the industry. These are the firms we see advertising during the events like the Super Bowl. Please pay attention to the upcoming twist. These firms are publicly traded companies that trade on the stock exchange like any other stock. And, like any other stock, the Board of Directors must act in the best interest of shareholders – not clients of the firm.
Many of the middle and smaller sized firms are not publicly traded and can act in the best interest of their clients – not the shareholders. Finding out if the investment firm you are considering is a publicly traded company is as easy as looking it up online or calling the firm directly.
Understanding the Firm’s Registration is Critical. Fiduciary duty is the highest level of duty an investment firm can exercise. When accepting fiduciary duty an investment firm must, by law, act in the best interest of its clients – above and beyond those of its shareholders or employees. All investment firms must register with security regulators. Most of the large investment firms register as a broker dealer, avoiding the obligation of fiduciary duty in the process.
If a firm registers as a Registered Investment Advisor (RIA) they are obligated by law to accept fiduciary duty. Here comes another twist. Some investment firms register as an RIA, but claim those aspects of their business are ancillary to their practice – mitigating their responsibility in the process.
If you can only remember one thing from this article, here it is: If you want the investment firm you are dealing with to place your interests above and beyond their interests, have them clearly accept fiduciary in writing on their company letterhead.
Understanding the Firm’s Services is Critical. Many of the larger firms imply they provide independent financial planning and investment management services. In reality, their financial plans are “free” reports designed to lure you into their own investments. No doubt, there is some disclosure buried somewhere in the documents explaining all the conflicts, but most people do not have the time to search for them.
Many of the middle and smaller sized firms imply they provide independent financial planning and investment management services. In reality, they are insurance salespeople trying to sell as much insurance as you can afford, and then some. One good litmus test is to find an investment firm that can assess a fee for a financial plan, whether or not you choose to utilize any of their other services. Another good litmus test is to find an investment firm that does not have their own investment products.
The Financial Advisor’s Background is the Most Critical Aspect of Your Evaluation. When meeting with a Financial Advisor, consider it an interview. The reality is you are hiring them for the most important part of your life… well, at least your financial life.
Some important questions to ask include:
1. Where did you go to college or graduate school?
2. What degrees do you have?
3. What licenses and certifications do you have?
4. How long have you been in the industry?
Ideally, your Financial Advisor should have a strong academic background, carry the appropriate licenses for your needs and have good experience. Two designations stand out in the industries of financial planning and investment management: Chartered Financial Analyst (CFA), a program based on a series of progressively more difficult exams, and the Certified Financial Planner (CFP), a program based on one exam.
Conclusions. Selecting the right investment firm and Financial Advisor is a critical decision. Utilizing the criteria discussed in this article can turn a difficult task into one of ease. If you are already working with an investment firm and a Financial Advisor be sure they can provide the level of service and independence you deserve.
A lot of reasons exist why you should not only get into business, but also endure in business. You may want to take any of these decisions because of the love of a particular business, because of a need to do so, because you are bound to continue from where someone stopped or because you simply have a feeling to do so. In almost every country of the world, people are looking at the business sector as one of the bests. There are always statistics of these found in all countries. For example, the United States Department of Labor produces statistics which indicate that for almost the first three quarters of last year, unemployment was very high and a lot of people resorted to doing business.
There is no need to trouble yourself on the way your business is going to look like. All that is necessary for you to do is to develop a plan and seek for any of the so many options of securing finance for the business. The following lines are meant to encourage those coming into business and even those already in business to seek for means of financing their businesses:
This type of finance for a business is common all over the world and it can easily be gotten. In some cases, there is often a belief the loans can easily be gotten by everyone who applies for it. This may be true or false. It all depends on your business plan, the lending policy of the bank and the type and value of security you have. What makes this source of finance much considered is that interest rates on the loans are also reasonable. It should be warned that you should not get into taken of loans without seeking for proper recommendations from experts. Remember that it is always good to know the ins and outs of every type of loan ahead of getting into it.
This is also another common source of finance that is common among new businesses and even those that are already in existence. What obtains here is that there are so many people who have the willingness and ability to pump finance into any business which have potentials to grow. Angel financing can be a family type. This will involve members of the same family pulling their resources together and investing it to develop a business plan. This is good but not preferable because of the close ties that the members may attach to each other, which may not be best for the health of a business. Angel financing can also be an affiliation angel. This will involve an association of friends willing to see a business plan from conception to completion. Another strand of angel financing is idea angel. These are financiers who are involved at the conception and actual progress of the business. Whatever the form of angel financing that you may opt for, you must get into the set of connections that these angels operate before you can benefit from financing.
This involves raising money for the business by using what the business owns and can give out to the public. There are individuals willing to pay for equity in the business and even take part in the running of the business. Although this type of financing is common, it may not be available to every type of business. This is the more reason why every business owner must always carry out enough research in order to get the appropriate financing for his or her business.
An entrepreneur is one who is successful in business. To lead the kind of life you want you should command a favorable financial state and you can do this through entrepreneurial management; the ability to create a business and be your own boss. The more people own their own business in a country, the better and safer the country will be; people who have a stake in their nation and community are its best citizens. A well-run business can generate unbelievable profits, outperform any other source of gaining wealth and surely bring you fame. Build a solid foundation for a business in order to build great investment for your future.
Entrepreneurial management demands you bring to stage your wits and wisdom to make things happen in exceptional ways. Before you start your journey to riches, you must take inventory of your current situation. The goal in wealth building is to do things far beyond your current demands you motivate yourself, go outside your comfort zone to maximize your abilities and potentials. In order to succeed in what you do, you need to expand your thinking outside your reality zone and aspire for greater heights. This is an ageless and timeless concept that I discovered in the life of all successful entrepreneurs. They strengthened their ability to manage and lead the affairs of life.
Are you ready to take absolute control of things and bring yourself to a focus with the rightful state you desire? Build assurance through concentration, affirmation and harnessing your skills in line with what you aspire for. Plant the seed of greatness in your mind and fertilize it. What is the degree of your idea power? Idea is the life blood of entrepreneurship. Fill your mind with reliance and also fill it with positive thoughts that paint your passion and produces productivity. Take a detailed look at your current reality and form a clear picture of where you would like yourself and your business to be in future. Define your niche, be smart, identify your customers and give them the best of services.
The secret of successful entrepreneurial management is to love what you do. The entrepreneurship lifestyle is for those who have the great mind to stand tall even in difficult situations. To make things easier for you, raise people and mentor/coach them to run the business and you have time for other things. Establish a good relationship with people. Once you are making a lot of money from your business, use the income realized to invest in additional assets in order t make more passive income. If you are in a paid job, I advice you not to quit your job when you are just starting your journey towards your entrepreneurship dream. You need that salary to help leverage your way to success in your entrepreneur goal. Synergy is the sagacity you need to make things happen faster and in a greater way. Partner with like-minded visionaries. Re passionate about the business you are in. this creates motivation and keeps going even in front of difficulties. Establish your entrepreneurial management capacity and create your favorable financial state to be a person of influence in this day and age.
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The fate of an entrepreneur is not easy. You have to work hard. However, since you worked on most of your time, there must be a price to pay. The first victim was your social life. Time for dating, family, even to have free not you would have on the early days of running your business .. This might be a quiet life.
In these circumstances if you are very lucky to have a girlfriend or a wife who faithfully accompanied through thick and thin. Because being an entrepreneur is also the problem of durability. Like clouds in the rainy season. After the rain came down, the sky will be bright again. No compensation. The harder you work, then you will get lucky. We had a fellow, his name Joko Mulyono Apiko. He was, “just” tabloid reporter in Muslim families, Fikri name. As an employee – if you follow the theory of Robert T. quadrant Kiyosaki – thanks to our encouragement, and “interpersonal skills”, to communicate, he urges us to be a journalist “semi-business” in a sense, the proper functioning and journalistic skills to write soft lobby advertorial. Although initially somewhat reluctantly, he playing such roles copywriter, author of the article in the tabloid advertorial soft (meaning: the rubric nuanced promotion, with two kinds of compensation: direct sales within a certain minimum amount, or semi-ad). Apiko, though still love journalistic profession, began his new duties.
The result? Unusually for a reporter during a four-year work, purely as a journalist. Apiko successfully achieve its goals. He did work hard, and rather sacrifice his time for the family. Not only that. He was “bold face” dicibiri as a “journalist matre” (materialist, Pen.), Because the article more selective in the issues of “nutritious” alias could result in “direct sales” or “semi-advertorial”. As a result of continued, predictable. Of “messing around” so seriously. His boss, chairman tabloid Fikri, instead targeting a certain amount per month should he accomplish. target, is achieved, even exceeded many times. What he did, everyone in the company know.
Although the risk of being harassed, Apiko resilient. The show must go on. What they do, inspire other business units under the same umbrella of a holding.
“Thank God, my wife is very understanding. For hard work, I could save a considerable value compared to my colleagues on my level. I could buy a motorcycle in cash, in the second year of my work. That’s something I did not imagine at all, that I can afford it. “That Apiko, that because they still love the journalistic profession, claimed to have not only been using half of the potential enterprenership was in him.
“Someone who works 16 hours a day will get to the place I want to accomplish two times faster than the people who work 8 hours a day.”
“We dared to think creatively. That means we have to take risks”
ONE of our job as a businessman, in addition to interpersonal skills, leadership, and managerial, should also be able to perform creative tasks. Creativity is an important element in existence and development of a business. for the entrepreneur, as if no day without creativity. Time for us to keep creative. Moreover, if in the previous section, is often cited extraordinary rate of growth of entrepreneurship in the United States, in Indonesia alone, the diversity of business and number of entrepreneurs, not as much as in the United States or other countries.
In the United States for example, there are businesses that are still rare and have not been socialized in Indonesia, namely the business rent clothes and baby gear. So in fact many kinds of business we can do, as long as we want creatively. In any case, we must be creative? Be creative in some ways, among others, choose the type of business and choosing the time to start.
So, do not hesitate to create conditions in which each element can be creative. Make every angle, every mood in your business, conducive to the emergence of creative ideas. Creativity itself, it requires a process, namely the creative process. So initially, it is necessary preparation for the creative, albeit not formal. Live, how we ourselves make it a creative working atmosphere.
In the process, it also requires a creative turns our concentration. In fact, that often happens, when we did the concentration, even at a stalemate. As a result, we can not do anything about it, and gradually became frustrated. And, in fact frustrating it is part of the creative process itself.
In this condition, in my opinion, we should not give up or despair. Do not stop there. Rest assured, in time, insight or illumination will appear. Then, we pass the next creative process: incubation or settling into the subconscious. In time, namely the unintentional condition, may emerge illumination that means we have found a creative idea.
An important step to this, process or execute creative ideas into concrete, for the betterment of our business. Even in our opinion, for the sake of customer satisfaction too, need a creative approach. Creative and keyword search in the affairs of the capital or business development fund, increased production, improved design, marketing, and so forth.
Creative people, are people who dare to take risks. Just how big the actual quality of creativity that will affect the business risks being run. In fact, someone who dared to think creatively, means he’s willing to take risks. We are convinced, just businessmen who dare to take risks that can develop their business forward, both for current and future.
U.S. Car 168 provides franchise /business opportunity in Indonesia in Automotive Industry, Car Mini Market on Super Market. The uniqueness of this showroom is the only showroom in Indonesia are located in shopping centers (monopoly), there has been no similar competitors, operating hours showroom adjust Super Market open daily (09:00 to 21:00 WIB), with the target market supermarket visitors and neighborhood locations.
Platinum package is an investment package of AS Mobil 168 as a Car Mini Market (Auto Mini Market) located on the famous shopping center in the city of franchisee selection. Where management is carried out by U.S. Car Group with the result (profit sharing) of 30% : 70% by the Franchisee for 5 (five) years.
Platinum Package : Rp. 182.000.000
– Franchise Fee for 5 years
– Rent per year Business Location
– Showroom (semi-permanent)
– Showroom equipment
– Training + Recruitment
– Starter Kit and Stationary Admin
– Media Campaign
Stock Car Unit
*) Minimum Investment 800 jt for the purchase of eight units of the car. Assuming per-unit 100 jt.
– Estimated Income : Rp. 66 Million
– Expenses : Rp. 10 Million
– Gross Profit / month : Rp. 56 Million
– Sharing Profit AS Mobil (30%) : Rp. 16.8 Million
– Net Profit : Rp. 39.2 Million
– BEP in 5-6 months
– Business Risk 30% from net profit (deviation) : Rp. 11.76 Million
– Net Profit with Business Risk (30%) : Rp. 27.44 Million
– BEP in 6-7 months
It can be quite difficult to find financing when you are trying to start a business. Traditional channels such as banks and other financial institutions are normally not too eager to finance a new business, even if you have developed a sound business plan and are highly skilled in your market. Starting a business, especially an online business based from your home, can be difficult, and you will need a way to obtain financing. You may be considering using your credit cards to finance your business.
While it is always better to avoid risking your own money when starting a new business, there are many people who have successfully financed a business with credit cards. If you have a sound business plan the ability to manage your finances wisely, you may be able to use your credit card to finance a business without risking your credit score and your financial future. Just as with all debts, it is important to pay as much of your balance as possible each month and never make late payments.
There are advantages to using you credit card in financing a business. It is quick and easy and you will never have to wait for approval or funds when you are ready to make a purchase. Another advantage is that you can make purchases instantly, without having to write a check or supply vendors with check payment forms, as is often a requirement for a new business. It would make the most sense to use only one of your credit cards for business purposes. You will be able to track purchases easily and consolidate your monthly
You should know your billing date. You will be able to make larger purchases just prior to your billing date and prevent interest from accumulating for several weeks until you make your payment. Always try to pay off the majority of, if not all of your debt each month. You will save a lot of money in interest charges by paying as much as you can possibly afford each month.
Using your credit card will also protect you from losses if you receive damaged goods or fail to receive merchandise you have paid for. Depending on the type of credit card you choose to use for your business, you can earn bonuses, frequent flyer miles, and cash back. You will need to monitor your spending carefully. Make certain you use the credit card with the lowest rate of interest and you may be able to contact the credit card company and ask about any possible rate reductions you can get.
Financing your new business with a credit card is not the ideal situation, but for those who are having difficulty obtaining a traditional loan or alternate type of financing, this could be a viable
option. You do not want to risk losing your profits by accumulating overwhelming amounts of debt on your credit card. Keep a close watch on your spending and pay most if not all your debt each month. With caution and a smart business plan you can finance your new business with a credit card and instantly find the funding you need. Depending on your credit situation and debt level, you may be able to apply for a credit card in your company name, separate from your personal finances.
Accumulating credit card debt is never the best option, but with wise decisions and smart purchases you can finance your business and avoid the frustration of trying to obtain outside funding. Starting a new business is an exciting time. Make smart financial decisions and your business can be profitable in a short time.
Plains and Prints offers Franchise / business opportunity in Indonesia in Retail Industry, especially in Women’s Apparel Products. Plains & Prints is an apparel boutique carrying casual to smart casual apparel and accessories for women. Has 31 company-owned and 23 franchised stores in the Philippines. Awarded Outstanding Filipino Retailer in 2007 and 2008.
Plains ad Prints is operated under Raffco International Trading Corp, headed by the husband and wife team, Erickson and Roxanne Farillas. The first Plains and Prints outlet was a mere 11 square meter space in Greenhills, Ortigas, a big gamble for both of the owners as they take their first step into the retail industry fresh from college.
With Plains and Prints core values to adhere and provide only the best fabrics, high quality products, and stylish designs, resulted to the growing clientele and patronage of the brand.
Plains and Prints specialized in woven tops and dresses that utilize embellishments such as embroidery, ruffles, smocking, pleats, applique, die-cutting, laser printing and crochet. Plains and Prints looking for franchisees in Singapore, Thailand, Malaysia, and Indonesia.
Market share comprises mostly of young professional women ages 22 and above, fashionably hip moms, and stylish women who love to wear clothes with a statement.
– Initial Investment : Rp. 1 – 1.6 Billion+
– Franchise Fee : Rp. 200 Million+