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.

Positive Benefits of Bad Behavior

Some of the bad habits we used to do in everyday life it can provide positive benefits to the body. So, what are these bad habits, which can make us even better than before?

Have fun and relax

Based on a research done at the University of Maryland School of Medicine concluded that people who were relaxing and watching comedy movies, indirectly they will dilate blood vessels to over 50 percent. Laughter can trigger unhealthy chemicals that can make us feel better.

Snacking

Certainly not a good habit to snack if the food we are eating foods that contain dyes, artificial sweeteners, preservatives and flavorings. Therefore, make your own healthy food with healthy ingredients as well. The easiest way to snacking is eating a piece of fruit.
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Teen Sexting Trend alert action

Action alert Teen Sexting – the title of this post accidentally chose the theme sexting. I think this is a serious issue and needs serious attention as well. I consider it seriously because it affects in many ways.

Currently among teens sexting phenomenon can be said to have become a trend. Known as sexting trend has mushroomed and is done by many teenagers. Along with technological advances and the high mobile phone and the internet, many young people who do it.

Why should watch out for and parents are expected to supervise their teenagers sexting behavior. Actually, what is sexting?

Sexting is the act of sending messages or sexually explicit photos. Deliveries occurred mainly between mobile phones or mobile phone. But in its development, sexting behavior is to use the Internet to upload pictures or update their status on social networking on the action.
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Including Internet Addiction Mental Disorders

Internet is one of the technological developments that provide enormous benefits for life. The reason is quite simple: we can easily find a variety of information that we need on the internet. However, the Internet still holds the potential that could interfere with our lives. One is, “Internet addiction”.

As quoted from the pages of the Herald Sun, the technology enthusiast who can not escape from the world of the internet would be categorized as one of the mentally ill. The experts stated that in May 2013, internet use disorders will be included in the class IV or DSM Diagnostic and Statistical Manual of Mental Disorders.

Diagnostics include people who are addicted to smarthphone, such as the use of tablets and desktop computers. Scientists Autralia incorporated in Australia Psychological Society convey additional classification of this internet game addiction.

By the experts, addiction is defined as a” mental” should always use this internet game. This phenomenon has swept many countries over the last decade, in which cheap internet access and the increasing number of emerging smartphone.
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Shy Kids To Make More Confident

Different children, different character anyway. There is an outgoing, cheerful, aggressive, but some are shy. A child who has a shy nature, it is usually difficult when I had to talk to other children. As a result, they tend to limit the experience and did not dare to take risks, which in the end they will gain confidence in social situations.

To overcome this, the necessary role of the parents. Here are some ways that parents can do to help increase the confidence of a shy child, as summarized from the Circle of Moms,

No judge or judge

“If you always tell people that your child has a shy nature, then automatically your child will feel and believe that he is indeed a shy figure,” said Alison S. Renowned, pediatricians and parenting experts. In expressing the behavior of the child, make the words more neutral and non-judgmental or vote.

Not covered, but encouraging Continue reading “Shy Kids To Make More Confident”

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”

Key To Resolutions Not Ended Discourse

The new year quickly approached us. Traditionally, various resolutions were ready we arrange to meet him. Ranging from smoking cessation, exercise diligently, eat healthy, successful career and many other positive things. Unfortunately, the practice is not as easy as arranging.

Therefore, in order to end the resolution was simply a discourse, consider the following key success happen, as quoted from SheKnows,

Arrange realistically

Make sure you put together a realistic resolution. How, make New Year’s resolutions based on experiences in the past in accordance historical journey of life. Practically, the resolution drawn up to reflect the lessons of past mistakes and do not repeat it again. For example, last year you plan to regularly exercise five days a week, and it did not go smoothly. Well, this year, you do not have to push yourself and more realistic.
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At Menopause, More Women Should Beware of Diabetes

Everyone should keep their blood sugar levels at a safe level to avoid diabetes. But, you have to be increasingly vigilant when entering the menopause, apparently because shifting hormones affect blood sugar levels.

Levels of the hormones estrogen and progesterone are experiencing a shift when a woman experiences menopause, can affect the sensitivity of cells to insulin. So that menopause symptoms can worsen blood sugar and make it less predictable.

A woman’s ovaries produce three different types of estrogen every month along with the menstrual cycle. When you are menstruating, levels of estrogen produced by the ovaries begins to decline.

Estrogens have a protective effect on the function of pancreatic cells and prevent premature cell death. Meanwhile, the pancreatic cells may also serve to increase production of insulin when required by certain conditions, such as diabetes.

The decrease of estrogen appears to cause pancreatic cells become resistant to insulin, thus worsening blood glucose levels circulating in the body. Insulin resistance causes no trouble cells absorb glucose from the bloodstream so that blood glucose levels are higher.

This can lead to diabetes complications over time. If you are taking medication to control blood sugar, either orally or by injection, take it regularly. It is important to monitor blood sugar levels to remain consistent during menopause.

Therefore, you have to be more vigilant with respect to lifestyle behaviors that support healthy blood sugar levels, such as exercise, stress management and healthy eating picky. Blood sugar can be maintained either through a healthy diet and consistent exercise every day.

Use Creativity To Decorate Apartment

Its strategic location, making the apartments a lot of interest as an alternative to urban dwelling. However, limited land is often difficult for us in decorating the apartment look overall.

To overcome these problems, we can try some simple tricks that helped test the creativity in re-decorating a room apartment without spending much money. What is it? Consider his ideas, as quoted from boldsky, following,

Play curtains

One function is as a blocker curtains so that activity in the room does not look or simply limiting. Other functions to reduce the entry of sunlight into the room. If your apartment is bright and full of sunshine, choose bright colored curtains such as blue and orange. Or gray color combined with warm colors like brown, black and white as a variation, to view apartments that seem quiet and elegant.

Fill with a small couch Continue reading “Use Creativity To Decorate Apartment”