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"I Got It, Do not Play Derivatives"

2012-02-23T04:27:00.000-08:00

Derivative transactions requiring expertise. This transaction can only be done properly understand the risks that customers will be experiencing. Unfortunately, Bank Indonesia has no criteria for this question.

According to the Economist of Bank Rakyat Indonesia Djoko Retnadi, derivative transactions are usually done between two parties, or bilateral. It causes no supervision or oversight. To that for which derivative transactions must understand the risks and benefits to be in the can.

"If you want to go have to learn it first, if you need to have financial experts from banking," he said in Jakarta, Monday, March 23, 2009.

The transaction is not correct if the position of the bank is higher (superior) than the customers, because they both agree on the agreement / contract. So far, the bank would be superior because the bank will not allow to have an open contract positions or loss would be greater than the number of transactions. "The position is superior bank, the same starting position," he said.

Therefore in case of default could have taken a variety of ways, depending on the agreement. Bank may change the loss of customers in the form of credit. This is better than no solution at all if the customer fails to make payment. Bank can enter into agreements under arms for the settlement of derivative transactions.

"It's commonly called uncommited credit facility, is to anticipate if the customer fails to pay. This is important because if it not be recorded as non-performing loans," he said.

Under the settlement or restructuring of derivative transactions, Djoko said the high integrity required. Because in terms of derivatives transactions, usually if you have the advantage, which enjoy the benefits did not, but if it suffers losses scream.

Easy Tips For You Can Bank Loans

2011-12-28T05:32:00.000-08:00

Want to develop the business? You'll need a capital. There are many sources of funds that you can get. As of close friends, parents, cooperative, or a bank.

But that needs to be remembered, certainly no requirement that always accompanies it. Well, if you want to borrow capital from banks, these tips from the Head of Small Business Development Bank Negara Indonesia Sari Ayu Wulandari.

He said the bank will assess compliance with the principle of 5 C, the character (the character), capital (capital), collateral (security), capacity (the capacity of business), and condition (business conditions).

For the character, the things seen include a commitment that was built, business records such as suppliers, customers, and the history of banking. The bank will see if your business has a history of troubled loans or not.

From the capital side, the bank saw the capital needed for business. Ayu said, the bank can not provide 100 percent financing to businesses that make capital. "There should be self-financing (own capital), whether it comes from paid-in capital or accumulated profits into capital," said Ayu.

This capital include the composition of its holdings that anyone, who the dominant currency, and who the caretaker capital. This is important, because by knowing who is in control of this capital, the bank will know how to run a business continuity in the future.

Against this capital loans, Ayu said, the capacity of the proposed venture is also a contributing factor. Bank among others will see the results of sales, cost structure, cash flow, the velocity of bills and expenses to income.

"Banks lend capital, meaning the bank is generally also wanted the sustainability of return on that capital," he said. In the preparation of proposals, the capacity of this proposed business is very important status.

For business conditions usually seen is the licensing. "Micro businesses generally, this will be from the village or subdistrict," he said.

To guarantee what could be guaranteed, Ayu said, there are two types of collateral that can be used as collateral, ie, the intangible such as equipment, machinery, vehicles, buildings, or land.

As for the assurance that the intangibles such as personal guarantees or warranties given companies such as credit insurance.

Lamy Pens from the Pen Company - To Provide you the Kind of pen that you Really Need

2011-12-19T22:04:00.000-08:00

A lot of people these days o a lot of writing every day. If you are one of these people then you must be always in need of a high quality pen that you can rely on when it comes on writing. There are a lot of writing pens that are available on your local market and even online. But you can’t be sure which of them can really provide you the writing that you want.

Online there is a website that you can trust to give you only high quality pens that can really make your day. The Pen Company is a great website that sells pens from very reliable pen manufacturing companies. One of the companies that the website promotes is Lamy Pen. Lamy pens from The Pen Company is one of the best selling pens that people really love. It comes on different styles and designs that can suit anyone’s writing preference.

Whether you are a student, a housewife or an executive of a company, you can be sure that you can find a Lamy pen perfect for you. There are also Lamy pens that are refillable that is why you can be sure that you can use your favorite pen again and again even if it has already run out of ink.

Doing business in China

2011-12-18T21:13:00.000-08:00

Have you ever thought to have a business in Asia? What about China company ? China is growing economy attracting many foreign companies around the world. China is one of the most progressive Asian country with strong future goal to attract more foreign companies. Doing business in Asia might be simple just register company China.

Learn more why China:

* 2nd biggest world’s economy
* Growth in investment, consumption and standards of living
* Economic grow at an average rate of 10%
* More than 200 cities with population over 1 million
* Increasing demand resulting from rapidly rising wages

Process of incorporation company China is simple. You don't have to travel! do it online! What about another jurisdiction ->>> start company China and your new venture in another Asian region.
Once you are interesting in China you might think first to incorporate company in Hong Kong as well.

Doing business in Singapore

2011-11-28T02:25:00.000-08:00

Have you ever thought to have a business in Asia? What about company in Singapore ? Singapore has a highly developed market-based economy. Singapore is one of the most progressive city with strong reputation in Research & Development (R&D) driven by Small and Medium Enterprises (SMEs). Doing business n Asia might be simple just register company Singapore.

Learn more why Singapore:

* Excellent company formation
* Access to comprehensive double taxation treaties with 62 countries
* Highly reputable/regulated global trading jurisdiction
* Most proficient English speaking country in Asia
* Audit - companies meeting criteria are exempt from audit
* Minimum paid-up capital of S$1.00 is required

Process of Incorporate company Singapore is simple. You don't have to travel! do it online! What about another jurisdiction ->>> start company Hong Kong and your new venture in another Asian region.

Hong Kong vs. Limited company

2011-11-08T01:28:00.000-08:00

Have you ever thought to open company in Hong Kong ? This islandis one of two special administrative regions (SARs) of the People's Republic of China (PRC) (the other being Macau) and attracts a lot of attention for many reasons. One of the easiest way how to register company Hong Kong and the process of incorporation.

Here is a few pros:

Easy way to establish a company in Asia
No capital investment is required
Low cost in terms of government fee
Taxes only levied on profits arising in HK
Official language English

You can be sure that this is one of the easiest way how to incorporate company online. Don't lose your time and contact us; Incorporate company Hong Kong
There is an another option how to start company Singapore and your new venture in another Asian region.

Indonesia Flooded Expansion Franchising Foreign

2011-09-29T21:36:00.000-07:00

Indonesia flooded expansion franchise (franchise) foreign. Some of the sectors of food and beverage franchise will enter the domestic market by the end of the year.

Chairman of the Indonesian Franchise Association (AFI) Anang Sukandar said, there will be about 10-15 companies are ready to expand in Indonesia in December 2011. Franchising is engaged in the business services and fast food (fast food). "For fast food from the United States," he said on Thursday (29/09/2011).

Besides the United States, the franchise from Malaysia, Japan, and Korea will also develop its business in Indonesia. Just as the United States, the three Asian countries were also targeted Indonesia as a culinary market franchise and fast food. For instance, Japan will expand the franchise sushi, ramen (noodles) and yakitori (skewers).

Promising market potential

The number of foreign aggression franchise food beverage sector that expanded its network to Indonesia because of the potential of a promising market. This is supported by the ease of making franchise. Funds needed to build fast food outlets is only about USD 50 million to Rp 100 million per store.

It's no wonder food beverage franchise turnover is increasing each year. In 2010, food beverage franchise turnover reached USD 42.6 trillion. That number is expected to increase to Rp 49 trillion by the end of 2011. "Because our high domestic consumption," he said.

However, he expressed, not merely prioritize foreign franchises as a booster's business world. Local franchise was increasingly proliferated since seeing its business potential. In 2010 the franchise in Indonesia amounted to 1500 units. Anang predict the number will increase to 1700 units by the end of 2011.

To note, from 1,500 business units as much as 90 percent of a franchise business opportunity (BO) who entered the level of small and medium enterprises (SMEs). According to Sam, BO has about 10 percent growth per year. That figure is far higher than the big franchises that grew only 2 percent.

Although the growth of high BO, said Anang, many of whom are not able to continue his efforts. Because, do not have the ability to fine-tune the business and has no element of coaching. "In fact, the BO can be developed into a business franchise," he added.

Only, he did confirm, business franchising has great potential to be developed. Based on data from AFI, the overall turnover of the franchise to reach Rp 114.6 trillion in 2010. That figure is expected to increase to Rp 135.4 trillion. Sector which contributes greatly to the overall turnover of the franchise include food and beverage, retail, expedition services, education services, health and beauty, fashion and accessories, as well as automotive.

BI, Absorb SUN USD 300 Billion

2011-09-23T20:09:00.000-07:00

Maintain the stability of financial markets, Bank Indonesia open auction of Government Securities (SUN) since yesterday. Friday (09/23/2011) afternoon, the central bank re-open the auction securities with an indicative target of Rp 4 trillion. However, until the closing auction in the afternoon, the incoming supply is only Rp 1.4 trillion.

SUN BI and then absorb the auction winner of Rp 300 billion.

Head of Public Relations Bureau of Bank Indonesia Difi Johansyah Ahmad explained, from this condition, it appears that investors are reluctant to remove SUN SUN them.

"The interest of investors holding securities is still high," said Difi.

At the auction on Thursday (09/22/2011) afternoon, the central bank set an indicative target of Rp 5 trillion. However, bids that appear only Rp 2.3 trillion. Finally, BI is only Rp 1.7 trillion to buy.

Septi Success Make Home as Office

2011-05-10T16:13:00.000-07:00

Housewife not exclusively dealing with the kitchen. Look at Peni Septi Wulandari. Originator of the methods of learning math by using fingers or jarimatika is able to make his home as an office. With 450 active partners, Peni has a solid office hours while overseeing the needs of her three children.

Septi name is synonymous with Peni Wulandari jarimatika. Native Women Salatiga is indeed to introduce mathematical methods of learning math by using your fingers. From the same method Peni have 450 partners and pocketed the turnover more than USD 100 million a month.

Peni's success did not come just like that. Many obstacles to the mother of three children while learning mathematics developed the method using the finger. In addition to this method is not known, many people are "afraid" to learn math because regarded as one of the lessons difficult. "It's a challenge that baseball easily conquered," he said.

Spend time up to high school in Salatiga, Peni moved to Hyderabad and enrolled at the University of Diponegoro, take the Department of Nutrition.

Because received through official channels, the opportunity Peni become civil servants (PNS) stretched. However, after marriage, the plan was dissolved. The husband asked him to concentrate on taking care of families and children. "My husband told me, that child must receive education from their parents, not from someone else," said Peni.

Peni decision to follow the wishes of parents Peni her husband had made a heavy heart. "My parents had time to regret my decision," he recalled. It's known, was then a civil servant is considered as work that guarantees the future. In 1995, Peni was carried off her husband who works in a bank to Jakarta. They settled in Depok, West Java.

Still have to take care of the household, Peni desire to work still on. He claimed to envy by a busy career woman who is in the vicinity. "A year after marriage, I still want to work," said Peni. The desire to be a career woman is not extinguished even in the womb already there first baby.

Again, Dodik Maryanto, the husband, to calm passions. Through a long discussion, he rang with the words of her husband. "The success of women starting from the house and the results will appear from the outside," Peni said, imitating her husband advice. Managing the family is truly successful, the results can be perceived family and useful for many people.

Only when her first child, Shahid Nurul Kusuma, born, Peni desire to work dimmed. He began to enjoy her role as housewives. He became aware that being a housewife is a job that can not be overlooked. "The housewife is not second class group that is identical with the clothes and the smell of onions negligee," he said.

Being a housewife makes women do not need to be embarrassed or even inferior. In fact the women should be proud because housewives are noble profession. "Imagine we have to manage all affairs of the house," he said. Includes a role model for her children. That is why Peni make the presence of the child as his first laboratory. He should be a role model and teacher for Enes, close calls that his first child.

Before finding methods of counting by using a finger, Peni start by creating a curriculum for their child. Because no experience, Peni read books and join a public lecture to enrich his insights about education. This provision clearly useful for the preparation of an appropriate curriculum for their children's education.

Then, he makes his home as an office. He set a schedule to work for himself, ie, ranging from eight in the morning until four in the afternoon. In fact, he was always dressed neatly and shoes.

At that time, he also rejected if there are neighbors who come to chat. "I made the house as my office, until now," he said. In the hours worked, Peni also claimed to concentrate teach various skills to children.

Gold Down, U.S. Stock Melorot

2011-05-05T17:33:00.000-07:00

United States stock markets fell on Thursday (05/05/2011) local time after oil and gold prices fell, pulling energy stocks and commodities fell sharply.

Dow Jones Industrial Average closed down 139.41 points (1.10 percent) at 12,584.17 points. The S & P 500 lost 12.22 (0.91 percent) to 1335.10, while the Nasdaq composite index of technology stocks fell 13.51 points (0.48 percent) to the position of 2814.72.

Just FYI, the latest shipment of gold prices on trading the New York Mercantile Exchange closed down more than 30 U.S. dollars to the position of 1480.90 U.S. dollars per troy ounce from the previous day that was in the level of 1514.90 U.S. dollars.

Disappointing data about employment cast a shadow over the market, one day before the government launched its monthly unemployment report is much awaited.

On Thursday morning, the Labor Department reported that initial jobless claims rose to 474,000 in the week ended 30 April, up 10 percent from the previous week and the highest in eight months.

Most analysts had expected claims would fall, and the data raised concerns that the employment report on Friday will be bleak.

Adaro For Dividend USD 970.77 Billion

2011-04-21T08:46:00.000-07:00

Shareholders Annual General Meeting (AGM) of PT Adaro Energy Tbk (ADR0) approved the use of 43.98 percent in net profit in 2010 or Rp 970.77 billion for payment of cash dividends.

Company press release issued on Wednesday (20/04/2011) after the AGM said the interim dividend of Rp 315.06 billion was paid on December 10, 2010. The rest, will be paid for the final dividend payment.

Dividend payments this year was the highest since the IPO ADRO in 2008.

AGM today also approved a change in the composition of the Board of directors which is valid until the year 2016. Members of the new Board of Directors of the Company are as follows, President Director: Garibaldi Thohir; Wapresdir: Christian Ariano Rachmat; Director: Andre J Mamuaya, Sandiaga Uno, David Tendian, Chia Ah Hoo, and M. Shah Indra Aman.

Capital USD 2 Million, Now Tens Million Turnover

2011-03-25T22:24:00.000-07:00

Business services should always be creative. This is one of the advantages of services offered DokterKomputer.com. In addition to ready 24 hours to meet the call, this service also provides a replacement computer while the customer's fixed.

Although entrepreneurs in the computer field has mushroomed, it does not mean the smaller the opportunities available. The proof, through various forms of creative services, Iim Rusyamsi successfully compete in the world of the computer business with its DokterKomputer.com. In fact, this creative man continues to expand its business through a partnership effort nets kewaralabaan.

DokterKomputer.com offer computer service call 24 hour service. With this ball pickup mode, Iim office market and also target individuals who are busy and do not have time to come to place a computer service. Another form is to provide computer services for emergency jobs. The ingredients are loaned to customers that his computer is down for maintenance.

Capital of Rp 2 million

His passion in computers since high school is what fosters the entrepreneurial spirit in the field of computer Iim. In the past every home in college, graduated from the University of Information Engineering Gunadarma who reside in this Pademangan always stop by the Glodok. In that place he deepen the acquaintance of computer science.

Computer skills possessed finally "smell" by neighbors, friends and relatives. Many are asking for help Iim to repair damaged computer. After graduating in 2005, Iim worked as a computer technician at the famous computer company.

However, in 2006, he quit his job. "I immediately established PT Satria Putra Prima. His office in Mangga Dua. At that time, helped by a marketing," said Iim. In 2007, Iim change the name of its businesses into DokterKomputer.com. Unique addition, the name is more easily recognized and remembered.

The initial capital is used when it is less than $ 2,000,000. Capital is derived from the remaining savings gained from the work. "For additional, I have to sell a motorcycle. Computers were I brought from home," she recounts.

Target 10 "franchisees" per year

Since 2008, DokterKomputer.com offer franchise partnership package to anyone interested in plunging into this business. The goal is to expand the network, thus opening jobs for others. Every month Iim monitoring and quality control of the franchisee.

Now the turnover obtained by Iim approximately USD 70 million-USD 100 million per month. Offers franchise partnership program was conducted Iim through mass media, customers, exhibitions, and internet. Marketing online is also very effective. On its Web site available "duty physician."

Currently there are 13 branches which have been successfully developed, among others in Bintaro, Cengkareng, Kendari, Makassar, Bogor, Cikarang, Rawamangun, and Pekanbaru. Of the many interacting business with this customer finally formed a network. Supported also by the vendors and suppliers.

"I am happy to finally be creating jobs. If each branch at least there is lim workers, a lot of manpower that can be absorbed," he said proudly.

With quality improvement done constantly, in 2011 Iim targets to recruit another 10 franchisee. Thus, more and more people are interested in DokterKomputer.com. City targeted include Semarang, Yogyakarta, Surabaya, Bengkulu, Jambi, Palembang, and Bandung.

What reason we work?

2011-03-21T01:31:00.000-07:00

"Work is about a search for daily meaning as well as daily bread, for recognition as well as cash, for astonishment rather Than torpor, in short, for a sort of life rather than a Monday through Friday sort of dying." - Studs Terkel, author & broadcaster

"Are the reason you work?" Said Antonio, a private employee, to Budi, coworkers. Budi, who consider it to be rhetorical questions answered reluctantly, "do you? You think I like to eat rocks yah? "Answer Budi on an imaginary conversation above might be a bit 'nyeleneh' but behind this answer is one reason we work the most often heard, namely to find the money for a decent livelihood.

The reason we work also may not be far from it but if money is the only reason why people work? According to Dave Ulrich, 'The Number 1 Management / HR Teachers' version of BusinessWeek magazine and Wendy Ulrich in The Why of Work, the answer is no. Besides money, another reason is the search for meaning.

Employees no longer works to just make the smoke kitchen remained mengebul. In looking for a place to work, they are now also concerned with non-currency factors, such as the suitability of the work with interest, the opportunity to grow and the impacts that are meaningful to other people: colleagues, customers, and society. Through work, they want to achieve the purpose of life, contribute, build relationships, create something of value and gain hope.

The creation of the meaning of work for its employees is when an organization who want to grow. This may seem odd, particularly for executives who think that giving a salary is the only company obligations to employees.

But there is logic behind the explanation is: employees who have meaning in work would be more competent, committed, and contribute. Competence, commitment, and employee contributions will increase customer satisfaction and commitment.

Customer commitment will create a good financial outcome for the company. With this logic, we can see that the creation of meaning for employees is not just helping employees to have a positive attitude in work but also for the sake of growth.

In the book of The Revelation of Work, Dave Ulrich, defines the organization as an organization that creates meaning of abundance (abundant organization). An organization that abundance is a place where employees work to create meaning for themselves, the value to our stakeholders and hope for the wider community.

Organizations that abundant encourage its employees to have meaning in work and create an environment that allows it to grow flowers. The era in which terms such as Generation Y, the War for Talent, Employee Engagement, and Individual Performance Management has become an increasingly familiar term.

The concept offered by Dave Ulrich is a breath of fresh air which is used as guidance in facing the changes that occur in the world which in turn will affect the employee's aspirations and how they interpret the work.

Through the book of The Revelation of Work, Dave Ulrich outlines a variety of practical principles for creating meaning in organizations, both at the level of individuals, teams and companies based on research results and complete with checklists and questionnaires to turn aspirations into action. Now there are many world-class organization that realizes the importance of the creation of meaning in the work already started their journey in implementing the concept of abundant Organization, what about your organization?

Internet Freedom and Democracy

2011-03-05T20:35:00.000-08:00

Only a year ago, Minister of Foreign Affairs of the United States, Hillary Clinton, calling for a global commitment to the freedom of the Internet. Based on the basic framework of universal human rights, freedom of the Internet - or as defined by Clinton as a freedom to a high - guarantees freedom of assembly, expression, and hanging out in cyberspace.

Today, with the occurrence of various global events, this commitment becomes much more important than ever. By keeping these rights in the digital era, we also will keep the potential and promise of the future of the Internet to become a place of exchange of ideas, innovation, connectivity and economic growth.

With the background of events in Egypt recently, and the closure of the largest Internet is happening in our times, we have heard many requests from President Obama, Clinton's Secretary of State, and world leaders so that we all respect the freedom to communicate to a high and, in particular in the search and exchange of information via the Internet.

Indonesia has the second largest Facebook community in the world, and the third largest users to Twitter, and also "home" to millions of blogs with all kinds of topics: photography, politics, religion, sports, and fashion, which is the general topics of reading and writing .

The Internet has become the most important public space in the 21st century - has become a meeting place for all people in the world. Indonesian people live in a free country where the constitution guarantees freedom of individuals such as freedom of assembly, assemble, and expression.

Therefore, Indonesia does not recognize gender, religion, ethnicity, or economic background to have open Internet access will be used to obtain information, express opinion, and hanging out together online.

Various acts of civil peace that we have seen such as the Indonesian Unite and "Coins for Pritchard", began appearing on the Internet. Citizens from around the world every day to meet and interact via the Internet to view news and exchange information about what is happening in the world or to ensure that their voices were heard.

Through these dialogues, either online or direct conversations, various new dimension in the debate which we have done for centuries began to emerge, such as ways of governing the best ways to uphold justice, the ways to achieve prosperity and ways to create conditions that support long-term development, both inside and outside our country.

Options solutions

Connectedness that emerged in the digital age has created a new impetus to find solutions to various issues such a long time. For that, the world's governments must now take the tough decisions that will determine the future of the Internet.

We know these choices, but we do not know how to reject those choices. How can we choose to protect the freedom and security? Between transparency and secrecy? Between freedom of expression and tolerance and harmony?

First, freedom and security is too often viewed as something that each stand alone, but we must have both, either in cyberspace or in the real world. We are reminded every day of appointments at once the danger the information age. We must have adequate security to realize freedom, but not too much, so would endanger freedom. In the balance between liberty and security, its criterion is the rule of law. Our adherence to the rule of law not just disappear in cyberspace.

Similarly, our commitment to civil liberties. United States has an equally strong commitment both in the real world and in cyberspace to track down and stop acts of terrorism and crime. The two sides of it, we seek to achieve these goals in accordance with the values that we profess.

It's no secret that the "security" is often used as justification to destroy the freedom of the Internet. Governance arresting bloggers, which interfere with the activities of its citizens, and limiting or denying access to information for reasons of security guard is not justified. Silence the idea will not make the idea was lost.

Second, we must protect both transparency and confidentiality. Transparency is important. We can and must give citizens information about their government and opened the door for them to do business that was once closed to most people. However, secrecy also is important.

Ability to maintain confidentiality and government organizations in carrying out their mission and in serving the interests of society. Government does have a higher standard in maintaining confidentiality because they serve the interests of society.

However, all governments apply certain degree of confidentiality when dealing with matters such as public safety and national security. For example, it is not fair to publish sensitive details of negotiations between countries about how to locate and dispose of nuclear materials, or how to combat violence by the drug mafia

Third, we must strive to protect freedom of expression, and at the same time fostering tolerance. Just like the town square, the Internet is home to every type of speech: false, offensive, constructive and innovative. With an online population of more than two billion are growing rapidly, the nature and variety of online speeches will also be developed.

Undeniably, in line with the Universal Declaration of Human Rights, everyone has the right to freedom of expression. The challenge is to meet its commitment to freedom of expression online by emphasizing the importance of the benefits of the Internet to promote tolerance and peace.

We believe that the best way to do this is to promote freedom of speech more and not limit it. Exposing and challenging offensive speech, not suppress it, will provide an opportunity for communities to respond to and supervise. The ideas and the ideas will become stronger, and those who do not have the basic will fade over time.

Through the freedom of the Internet, we have a rare opportunity to tie human rights issues with our aspirations for economic prosperity together. The principles of Internet freedom is rooted in the openness that the Internet can still be an engine of ideas, innovation and economic growth.

An open market for new products and services that form the catalyst for entrepreneurship, innovation, and investment. We have seen investment and innovation in the global Internet marketplace for countries seeking to open their Internet policy.

As we move forward and "the square Internet" continues to grow, we are confident that we will be able to protect and promote the principles of freedom and security, transparency and confidentiality, and freedom of speech and tolerance. Overall, all the elements that are the pillars of a virtual world that free and open to all.

Precious Metals Mahal, How Jewelry?

2011-02-23T20:37:00.000-08:00

The price of gold jewelry does not always follow the rising price of gold bullion (precious metal), which tend to increase lately. Current gold price in world market about 1,400 U.S. dollars per troy ounce.

"The price of gold bullion was again increased, but not necessarily the price of gold jewelry was also up," said Teddy, gold shop in Queen Street Paseban, Kramat Raya, Central Jakarta, Wednesday (02/23/2011).

"If the increase in precious metal prices a little, for example, rose USD 1,000-USD 2,000, so we relented. But if the price rises to USD. 10,000, we just raise the price," said Teddy.

Not only is the price of gold jewelry, gold bullion price increase is also not consistent. "The price of gold bullion or precious metals smallest size, 5 gram, today Rp 405,000, down compared with yesterday's price of Rp. 410,000," said an employee of a gold shop in Jalan Paseban Nanjak 3c.

The price increase is still volatile indeed followed by the increase in the number of people who sell gold. "However, an increasing number of people who sell gold has not increased dramatically," said Teddy.

The range of gold prices for gold jewelry in 23 carat Paseban amounting to Rp 280,000 per gram, while 24 carat gold worth USD 380 000 per gram.

Trust capital, turnover Hundreds Million

2011-02-14T14:48:00.000-08:00

Limited capital is not a problem for Andri Handoko. He built a business making decorative glass capital of trust. He uses advances from customers as its first capital. After a half years of deep knowledge, Andrew is able to build business with a turnover of USD 300 million per month.

Fad. This is the first answer when spoken by Andri Handoko decided to go into business making decorative glass. Men born in Malang, East Java, 1980, has been interested in the glass business to beautify the building and the building while still attending college.

Exactly, at that time, he was finishing college field work in an enterprise architecture. There, Andrew got the assignment to find decorative glass to be installed in a building under construction. "I am looking at all Malang but no, so I am looking to Singapore," said the graduate of the Merdeka University of Malang majoring in Civil Engineering this.

Andrew then went to City of Heroes to hunt for decorative glass. But it was the management company where he was ordered not good decorative glass, so the delay from the scheduled delivery of orders. In addition, the results of the process is also less neat. From there, it appears his desire to try to do business ornamental glass.

His desire is really unstoppable. Although the thesis has not been settled, Andrew began dabbling in the decorative glass business. First of all, "I became a marketer at a small company in Surabaya decorative glass while digging his knowledge," he said.

To that end, Andrew decided to take leave college for a semester to learn from decorative glass making techniques. He did not want to say stealing knowledge from the crafters in the company.

That is why, Andrew said honest with company owner, that he intended to open a decorative glass business. "I say it is and he wants to, so until now we still have a good relationship," said Andri.

Moreover, he revealed, the owner of the company is in need of powerful marketing force to market its products. The owner of the company's generosity paid off. Andrew attract many new customers. Tail, orders to make decorative glass into flowing.

After nearly six months working as a salesman in the company, in 1999, Andrew decided to start opening its own decorative glass business with Independent Morning Star flag.

When I started this business, he was only with the trust only. "I have no capital at all. Advances from customers who order a glass ornament I used as the first capital," he recalls.

At that time, Andri many decorative glass work request with a value of between Rp 20 million to Rp 50 million. Of course, he advances to the order is sufficient for the initial capital.

However, the effort is not without problems at all. In the early days of opening a business, Andrew is having trouble finding skilled craftsmen decorative glass. Moreover, he was not just looking for crafters who can make a glass ornament, but also professionals who can raise a glass ornament with neat and have more responsibility to his job. It's known, "Creating a decorative glass is a work of art," he said.

Therefore, Andrew gave orders to make many decorative glass to another crafter crafters own until he gets the appropriate criteria.

After walking a while, finally decided to take a craftsman Andri from companies other decorative glass that has been long standing. He did not hesitate to offer high salaries to the craftsmen who he invited to join.

With hard work, decorative glass business located in Malang Andrew developed. Today, the Morning Star Self even already have a branch in Jalan Kaliurang, Yogyakarta.

Turnover per month that can diraup Andrew ranging from Rp 100 million to USD 200 million. "Sometimes up to USD 300 million, but rarely," he said.

Now, Independent Morning Star has 25 employees, ranging from sales force to power production. To increase revenue, Andrew not only produce decorative glass, but also glass templates and grafir.

Andri Handoko do not think the changing times have made efforts to get a lot of challenges. In addition to changing the building into a minimalist model, competition antarpengusaha raise a lot of decorative glass business in this sector out of business. Because of that, she tried to survive by not only producing decorative glass.

Andri Handoko nine years have been in the business of making decorative glass (glass spained). In the course of business that is not short, the various constraints come.

Andi told me, first pioneered the first time Independent Morning Star, manpower constraints become a problem. Now, add a lot of obstacles. In addition to business competition business antarpelaku A tighter, many external constraints that make decorative glass business gasped.

These constraints, among others, the price increase of raw material that reached 500 percent tin, unfair competition, and changes in building models that lead to a minimalist form. "Due to changes in this model, turnover down 50 percent," he said.

About unfair competition, more because of the lack of consumer to decorative glass products. He said that many consumers are fixated on price, but many things that affect the price of ornamental glass.

Plus, there is no standard of decorative glass that makes the price of this product in the hands of entrepreneurs with one another can have a difference to hundreds of percent. "Consumers booked but did not know the material and design, so that it can be to high or very cheap price," said Andri.

Decorative glass, he said, is the handwork that requires skill and high artistic soul. Unlike the lower-priced mass products. The more complicated the design and arts, the more expensive price.

Competition make decorative glass business entrepreneurs like Andrew who put quality, can not maintain the price of the product. They can not compete with entrepreneurs who prefer low prices with improvised materials.

Andrew membanderol homemade decorative glass at a price of Rp 1.25 million up to Rp 3.5 million per square meter (m2). Meanwhile, for grafir, the price is Rp 550.000 per m2 with a thickness of 5 mm. "The addition of the thickness will increase the price of Rp 100,000," he said.

This unfair competition, Andrew said, further aggravated the decline in turnover of decorative glass business. As a result, not a business that folded. He calculates, first in 1999 there were about five to 10 players in Malang. The amount was later developed into approximately 60 crafters. "In the past until there was a Glass Craftsmen Association Malang Raya," he said.

Over time, the 60 players that now live only about 20 businessmen. "What is out of business, especially the less professional," he said.

Of the 20 employers, currently, many do not produce continuously. They produce if it receives an order, making it as a sideline.

To anticipate the decline in turnover, Andrew and then create a template or division glass safety glass including glass installation services. In addition, he also customize the design of glass and therefore more suitable set for a minimalist type homes.

Andrew also received many orders for decorative glass houses of worship, either mosques, churches, monasteries, and temples. In fact, "To the house of worship we give special price," he said.

No one, turnover Independent Morning Star during religious festivities, such Idul Fitri and Christmas, may increase to 100 percent compared to normal months.

Andrew also began to seek out new ways to become subcontractors large companies in the supply of decorative glass. For decorative glass installation service, he set tariff of Rp 75,000 per m2. "Can be higher depending on the level of difficulty," he said. Meanwhile, for the glass business templates, Andri fix the price of Rp 650,000 per m 2 with a thickness of 12 mm.

But, not easy to be a subcontractor because must have an excellent relationship with the main contractor. "So we had to pass through the main contractor. It's just more dominated by national companies for a contract value above $ 300 million," he said.

However, Andrew decorative glass market not only in Malang, Blitar, and Tulungagung only. Its products are also widely exported, such as to Japan and the United States.

Flexibility Cloud Computing Services

2011-01-29T19:22:00.000-08:00

cloud computing services (cloud computing) offers flexibility to companies to build its information technology facilities. Because, with this technology, companies can choose the scale infrastructure dibutukannya unencumbered total cost ownership (TCO) or in initial investment cost.

Cloud computing is also flexible use of small-scale companies, medium to enterprise class. That said president director of PT Microsoft Indonesia, Sutanto Hartono, on the sidelines of the conference "Microsoft's Cloud Summit 2011" held on Thursday (20/01/2011) today at the Shangri La Hotel, Jakarta. On that occasion, Microsoft introduces cloud computing solutions.

"We design a plan and a system according to the needs of every business," said Sutanto. There are three services provided by Microsoft's bid. Each maaing divided into three categories namely private, public, and hybrid. Microsoft itself invite every business to choose which best fits their needs.

Chris Sharp, GM of Microsoft Online Services SMSP Asia to explain the difference of the three services. "In private services, perusahaanlah who became the host of cloud computing technology and are used to cater for every person in the company."

So, one might say that these services are specifically designed for a specific company. Configuration and features of the service itself is very menyesuaiakn on the needs of the company. Sharp said the service is suitable for corporate companies who are ready for infrastructure.

Meanwhile, the Public Cloud, Sharp said, "People who use are certain companies that strive to meet their needs." In fulfillment, the company is entirely dependent on your service provider or an outside party.

Hybrid cloud is a combination of Private and Public Cloud Cloud. Understanding this hybrid can take many forms, such as the use of physical hardware and cloud computing services simultaneously. But simplicity can be regarded as a merger of two services.

Sutanto explained, Microsoft Cloud Private services have several advantages. Powered by technology Hyper V and System Center products, services Private Cloud easily be connected with Cloud Public service whenever needed.

Sutanto said the value of Microsoft's Cloud Private investment is only one third compared to the use of technology competitors. "Currently we have 17 companies who are building a consumer Private Cloud with the technology architecture of Hyper V and System Center," said Sutanto.

Currently, Microsoft is investing as much as 2.3 billion U.S. dollars for the construction of komputai cloud services. Meanwhile, tens of thousands of engineers were deployed to develop applications. Some cloud computing services like Xbox Live and Microsoft Live have been executed.

According to the Gartner survey, 76 percent of companies will go to the Private Cloud Computing strategy in 2012. The cost of 112 billion U.S. dollars will be spent cumulatively to software as a service, platform as a service, and infrastructure as a service within the next 5 years.

Now, turn Toys and Carpet Cheap

2011-01-28T19:50:00.000-08:00

Ministry of Commerce is overseeing the circulation of children's toys in the domestic market to protect consumers from dangerous products. "We're inserting toys in goods entering the regular watch list," said Director of Consumer Protection, Directorate General of Domestic Trade, Ministry of Commerce, Inayat Imam, in Jakarta, Thursday (02/25/2010).

According to him, many cheap toys in circulation is feared to have a bad product quality and contain hazardous chemicals. "We've taken samples from several points of sale cheap toys and are being tested in the lab," said Inayat.

According to him, if the lab test results prove the samples taken
contain chemical substances that are harmful to health, these products will be withdrawn from circulation. "We're worried about toys that contain hazardous substances," he said.

Furthermore, the Ministry of Commerce will contact the association
toy manufacturers to discuss the next steps. "A lot of goods from abroad (imports) came while the industry in the country is not so much," he added.

Meanwhile, the Ministry of Commerce also will oversee the circulation of cheap carpet in the domestic market because it was feared the quality is bad and contain hazardous chemicals as well. "The carpet was still being watched first. We are suspicious of why can be sold cheap," he said.

Asri Tadda, Forward with School Bloggers

2011-01-25T14:17:00.000-08:00

Maybe a bit strange sounding, make a blog if there should be school. However, that's the business blog that became an opportunity by Asri Tadda, youth Luwu, South Sulawesi, to build an independent entrepreneurial spirit without having to have an office.

Asri Kegetolan Tadda (29) stop at internet cafes has changed his life, even changing the direction of the ideals as a doctor is expected from parents. In fact, the internet cafes (cafe) was carried out on the sidelines of lectures at the Faculty of Medicine, University of Hasanuddin, Makassar.

The reason for the difficulty of financing a college-born youth Pabeta, Regency of East, South Sulawesi, is starting an online business since early 2007. Asri pursue online activities have actually been since late 2005.

According to Goddard's husband Sjarief Hastuty this, stop by the cafe to make his hobby his family upset. Due to his business online, the college was halting. However, this is how Asri finance college.

Understandably, claim Asri is just a patch manager saltwater aquaculture and grinding grain. That capital to finance college.

In fact, in the cafe that's Asri to spend his time reading the success stories of great entrepreneurs. To the point, he was attracted to entrepreneurship. Hopefully open employment for others. "From the read-read, especially information on social issues, I wrote numerous opinions in the local newspaper," Asri said.

Beginning in 2007 Asri know through blogging business blog advertising program. Introduction to the world of blogs starting from activity to write and publish articles, poetry, and writing an outpouring of hearts aka vent online on free blog hosting media.

Because of diligent search for information about how to make money from the internet, Asri finally found a bright spot in an online business today.

Asri admit, the biggest obstacles is a skill. She did not have basic knowledge of internet and website so early its online business travel is very slow. All the process is self-taught. "I'm just ordinary medical student who happened to be interested in the world of blogging and internet marketing," said Asri.

Until now he has about 200 blogs with different themes and are all presented in English. Although busy, took Asri update these blogs. In fact, he has a target to make 2-3 new blog every month. All of this is actually a sound investment in the future of online business.

Serious business

Since April 2009, Asri and colleagues at AstaMedia Group launched AstaMedia Blogging School in March 2009 in Makassar. However, the school was officially launched to the public on May 16, 2009.

The goal is to share the earning opportunities and open alternative employment, particularly for the younger generation. In AstaMedia Blogging School, there are three training programs, namely Basic Blogging for beginners, Blogging Pro for those who have been the focus of managing and optimizing the blog as a source of income, and Blogging for Professionals for those who have a particular profession, but really want to learn blogging.

Asri ensure, within a maximum period of three months after the process of education and training is complete, the students who had graduated at Blogging Pro will have income from their blogs. Moreover, teaching staff are senior bloggers who are poor across the world of blog advertising and generate a lot of money from blogging thus indirectly also the motivation for students.

Blogging the main target of this School is among the younger generation. However, he did not shut down if there is among the general public. Currently there are about 100 students from various backgrounds and professions. Most of them now have incomes above 250 U.S. dollars, or USD $ 2 million per month.

"Indeed, the blog teaches them that the internet and little understanding of English is much easier than with them a totally blind internet. This is our challenge in AstaMedia Blogging School, "said Asri, who had won both the Young Entrepreneurial Mandiri (WMM), a national level in 2008.

Can be known

Blogging knowledge is expected to be recognized by all levels of Indonesian society and a lack of alternative employment of capital, but with huge potential.

Asri admit, there are some people who doubted his business because of the science blogging really was very abundant on the internet. However, not everyone can learn without assistance. Evidence, the success rate AstaMedia Blogging School has now reached 85 percent. That is, only about one person from each class who meet significant obstacles in achieving an online income.

Currently, Asri said already produce 12 graduates armed forces Blogging Pro and 20 basic level. Students in AstaMedia Blogging School was given guarantees, within a maximum period of three months will earn money online from blogs. This is already evidenced in all the armed alumni.

In fact, most of the students are already making money from their blog at the end of the first month of study, or even when you're following the class lessons.

33 Year, Age Busiest in Our Lives

2011-01-10T04:04:00.000-08:00

KOMPAS.com - How old are you now? Early 30s? Do you feel you are always short of time to divide their time between career, family and other social activities? No wonder, because according to a survey conducted by Hotmail, age 33 years was a time when you have to struggle to balance your life that more and more time-consuming.

So many things to be done so that a third of respondents aged 33 years admitted only slept an average of five hours every day. Two-thirds said that they work more than 38 hours per week in the office. After successfully cope with work and family affairs, on average they only have an hour to do something they like.

Provider e-mail also states, one in five respondents did not have time to go out and have fun being so busy. To the extent that, 56 percent of respondents have to bring work home to complete. Therefore, 90 percent of women surveyed feel no exaggeration to say women are busier than men their age.

Fortunately, once we reach the age of 55 years, the pressures on our lives begins to decline and become easier. Because, at that time we have reached the peak of his career, and the kids are living on their own. At the age of 55 years, every day women have on average one hour 23 minutes to pamper yourself at the office because they only spend an average of 30 hours.

"Statistical research shows that we all must strive to balance priorities in our lives. When we reached the age of thirties, we tend to be very demanding careers, and we have more responsibility in our personal lives," said Fiona Fyfe from Hotmail.

Women also have to manage time during the busiest periods in their lives to ensure that they can enjoy life, and balancing all the activities. Too much work at all not a good choice.

Learn Option Trading

2011-01-04T04:41:00.000-08:00

For those not familiar with the Option, this Option is a type of derivative investment, meaning that there is an underlying asset such as stocks (can also forex, index or commodity).

There are 2 types of options namely: Call Option (Right to buy shares) and the Put Option (right to sell shares).
Simply put, if we have a call option, we have the right to buy shares at a specified price until a certain period. Meanwhile, when we have the Put Option, we have the right to sell shares at a specified price until a certain period.

For those who never studied option, please wait also its participation to provide input to us who are still learning.

Thank you.

Looking for Gap to Sell Ideas

2010-12-27T01:36:00.000-08:00

KOMPAS.com - Some participants, after completion of the training, we call and ask if the idea was brilliant and the action plans they made during training, was implemented into the workplace. The surprising thing is, almost 80 percent no longer heard sesemangat when they're in training classes.

Some say your boss or the leader is too busy and did not want to listen to their ideas. There is also a saying, thoughts or ideas they considered something nyeleneh, distorted lines, even considered as an attempt for attention only.

In an age when the demand to give "value adding" feels so strong and creativity always touted as the capital to win the competition, the reality turns out there are still many bosses or officials who are reluctant to change or do not want to bother changing the way the old work that has been established. In fact, we all know, if we focus more on the "here and now" and assume the idea is the obstacle, the organization would not have evolved.

With so hard competition, we realized that the organization is not possible to practice decision-making "top-down" course. Organizations that encourage healthy decision was also taken at the middle management, even the lower layers. With this belief, how do we survive in the company led to the idea that has been steady, but tough to change?

Do not say anything
Junior position is never good. Not a few employers who complained of symptoms of the fresh graduates who do not have the initiative, a lot of waiting. Conversely, many negative comments against the proposal superior ideas of the juniors. Some say that what was raised young children too much theory, not yet proven and tested, not "ngambah land", or even knowingly.

We can not close my eyes that there is a gap between what is seen by people who just come in, with people who have long been on the inside. The gap is also definitely felt between individuals who are still fresh with the new knowledge learned by people who already eat a lot of practice and acid-salt. Who is more powerful? Usually a senior. It appears, both senior and junior, should be equally eager to listen, to address differences and gaps.

Symptoms of "self-righteous" is often hinder us in selling the idea. Sometimes we also forget the fact that the listener has a way of presentation and the references themselves in interpreting them. Not everyone is ready to accept that any misunderstanding when the idea was first disclosed is a natural thing. Some people I met through a network of seniors survive, always declare tips that we need to be ready with the facts, we need a lot to ask, and we argued the case, so the idea that we can more easily absorbed by others. So, as a seller of ideas, we do need an active, never passive.

Penetrating mind accepting the idea
Champions turn "no" into "yes". So the old expression. The important thing to remember is not just a digest and the receipt of our ideas, but also an understanding of the thinking process of the recipient of ideas. How can we possibly give the brutal facts or propose a program free of charge, for the sake of marketing, product promotion suggested that it had never been able terpasarkan well, or even cut certain benefits with the tender and pre-approved?

Stubborn attitude belongs to everyone. Influence others, particularly bosses or seniors to take over your initiative is a great paradox. Moreover, if we are still regarded as outsiders. However, we also must remain aware that in the life of our careers, to sell the idea remains an obligation.

Following the flow, rhythm, language circulating in a group will bring the magic effect when we offer new ideas. Moreover, if the present, we are ready to use positive words, includes benefits for employers and organizations, and presenting it in a business case supported by the evidence. We can not always take into account that the individual is auditif, visual, or kinesthetic. For that, we need to change the style of presentation to penetrate the mind accepting the idea. Sometimes with help visualize or demonstrate our ideas. People were not happy to admit that they do not understand, but each of us understand that people will not buy the idea that he did not understand.

Make sure the "alignment"
Of course there are reasons why companies do management practices. Likewise, there is a reason why the supervisor is appointed and their duties. A new junior entry and ambitious could be filled with new ideas. Only, it is likely that new ideas were not consistent with the goals and vision of the company. For that, we also need to check, pay attention, and asked whether the idea was still in line and support the efforts that already exist today.

We are sometimes unable to sell the idea of an ambitious and thought could be solved in an instant or one time only. We need to use multimedia and the need berobsesi in selling this idea. Considering we sell the idea to other human beings, human relationships are also very determine our success in selling the idea. If in expressing opinion, one of our audience are familiar with the idea and has been "bought" some of our ideas, to be sure this person will act as "co-champions" we.

The idea is a product of human labor that was never finished. The idea is not the same meaning when not yet implemented. Sometimes we need to wait for step by step for the whole idea realized. However, we need to move on, find a gap to be able to sell ideas for the betterment of the team and organization.

Trying to Become Entrepreneurs.

2010-12-25T18:08:00.000-08:00

KOMPAS.com - Professional entrepreneurs are now beginning to be the ideals of many people. However, getting a profession is certainly not easy. Behavioral habits during the study also can affect the level of success in the future. Therefore, here are some tips that can be addressed.

First, the diligent following organizations during the school. Being part of an organization will help you learn how to form an integrated system. This is where you can learn how to compile and run an organization. It is important to study because of an entrepreneur will be leading a business or organization.

Second, you must have extensive networks. Establish good relationships with teachers or lecturers will help you develop a career in the future. In addition, you also should expand the network of friends as much as possible. The more extensive network of friends you have, the more widely also an opportunity to open a business.

Third, you should have a basic knowledge of business and accounting. Build an effort would require careful calculations and concepts. Besides armed with the knowledge learned in college, you certainly need to understand the principles of business and accounting. That's because in the future, you must create a clear financial plan for capital to return and profit can be immediately obtained.

In addition, you should also master the basics of marketing. This is especially useful when you will introduce and market a business that you develop.

Fourth, should have a high creative power. An effort came from a brilliant idea. To be a brilliant idea can be treated with appropriate, high creativity is certainly needed. To create a successful business, its main principle is to make something other than the other. Therefore, continued to hone your creativity in a way sensitive to things around you. Congratulations to become entrepreneurs.

70 Percent "Netter" going shopping "Online"

2010-12-24T23:59:00.000-08:00

JAKARTA, KOMPAS.com - Online advertising is expected to rise sharply following the Nielsen survey that says about 70 percent of Internet users in Indonesia stated plans to make a purchase online within the next six months. "Of course, online advertising will increase," said Executive Director Catherine Eddy Nielsen Consumer Research in the Office of Nielsen, Wednesday (14/07/2010).

Nielsen survey says about 70 percent of 29 million Internet users stated plan to purchase products online within the next six months. They plan to spend 10 percent of their expenditure for a month to purchase online. This phenomenon is not much different from Internet users in Asia Pacific in general.

According to Nielsen, more than a third of Internet users spend more than 10 percent of their expenditure for purchase online. Indonesia occupies the same place with a number of other Southeast Asian countries like Malaysia, Philippines, Thailand, and Vietnam, where a third of its Internet population has never claimed to online shopping and allocate less than 10 percent of their monthly budget.

Meanwhile, online shopping culture thrives in South Korea. The population is about 59 percent allocated monthly budget for online shopping. Similarly, in China whose inhabitants have budgeted 41 percent of monthly expenditure for online shopping

Perquisite

2010-12-23T00:50:00.000-08:00

Yes additional income, is a much sought after and people are doing with how to run an Internet business. Although already a lot of people who make the Internet as a field for the main income, there is still more that are still in the stage of a sideline, to seek additional income. How about you, whether for your internet marketing has become a life expectancy and spills as the primary source of income? Or maybe you've wanted and have been working very hard to have a huge income even beat your current salary of an Internet business? Hopefully you are one who has been successful and are willing to share their knowledge through your blog. You can also read an article about the income on the internet here: 1001 Earnings Supplement

Not a few tables of people who have been able to Buy Houses From the Business Internet. You are delicious on the internet is a lot of people are willing to share the experience of them that, whatever they do to earn a big way. What I believe is they do not get such a high income in a few days, even if some say could be a big income in beberpa minutes then it does not make me believe. Obviously they are doing a lot of effort, they would have tried this and that, and certainly they are people who can work hard and learn fast. You want to know who was able to buy a house, shop and car from the internet business? You want to learn from him?