Basic Concept of Investing


Investment Concept
The concept of setting aside some money to be stored in order to meet a sudden need or need is certainly no stranger. In the past, people often saved in piggy banks, under pillows, or in cabinets, until now almost everyone has saved at a bank. But, you realize, the interest we get by saving at a bank is not directly proportional to the inflation that occurs every year, so when compared to the increase in prices of goods and services, the money we deposit in the bank actually actually decreases in value
Meanwhile, investment can be interpreted as an effort, whether in the form of material, energy, or time, which is carried out at this time, to get a profit in the future. Speaking of investment in material form, the value we invest over time will grow beyond its initial capital if done wisely. Thus, investment has the potential to provide greater benefits compared to conventional savings
That is what distinguishes investment from savings. Although saving in a conventional way is still needed for sudden needs, but by simply saving money, we will not grow beyond inflation and increase the price of goods and services.

Why is investing important?
Even rich people still need to invest to protect their assets from declining value due to inflation. Of course, the interest in investing will be higher for those whose lives depend on monthly salaries
To understand the importance of investing deeper, imagine that you are planning a big event, such as a music concert. There are so many preparations that you have to do in a short period of time. With good planning, you can “repay” the necessary needs as early as possible so that the concert can run smoothly
As with life, various important events will come up, such as going to college, getting married, having a family, until retiring. Not to mention other additional needs such as vacationing, buying a car or a new home. Without good financial planning, it is difficult to fulfill every need if only relying on monthly savings and salaries. Moreover, if you only depend on the following:

• Year end bonus (The amount cannot be determined depending on the condition of the company where you work)
• Increase in salary (The amount cannot be determined depending on the condition of the company where you work)
• Bank interest (the value will be eroded by inflation)
• Bank loans (high interest rates)

In short, by investing, we can begin to prepare for future needs by utilizing the funds we have today. Whatever your short-term goals, such as wanting to buy the latest gadgets or vacation with your family, as well as the medium and long term, such as opening a restaurant, preparing a down payment for a dream home, or preparing a pension fund, you can start fulfilling it from now on.
Through the illustration above, it can be seen that investment is needed to meet our short and long term needs.
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5 Financial Preparations Before Marriage


Although flowery, we should not be blinded by love. It was precisely at the beginning of the courtship, here, it was really obligatory to dig up as much information as possible about the couple. Is the direction or purpose of her having the same relationship as we want — not just busy getting along with her, huh. One that is no less important is the financial problem of a partner. Know for yourself, right, money is often cited as one of the factors that trigger conflict in relationships. What should be considered before marriage? The following five are:

1. Check the partner’s financial condition
It’s not matre, yes, but we really need to know how he managed his finances. Everywhere you are still using facilities from his parents – including cars to credit cards – most likely he is the type of man who is not independent.

2. Wedding party
We and the couple must think about how the wedding will be held. Does the joint venture use our savings and partners, or still receive donations from parents? We recommend that you use personal funds and a degree of reception according to the budget available. Why is it stuck in debt just for ‘one day luxury’? Our lives are still a long couple!

3. Agreement after marriage
Be open from the beginning to the couple how we manage finances all this time. If you are still helping your parents, say this so as not to backfire later. Start sharing responsibility for taking care of our family (new ones) with your partner.

4. Allocate income
After a family, it is recommended to allocate income for consumption 50{e49d478742bcd3fff949c46e924812053b1e1c5350074d68d35566b71e6be28d} of income, the remaining 50{e49d478742bcd3fff949c46e924812053b1e1c5350074d68d35566b71e6be28d} for savings, protection and investment. If you feel you have not been able to set aside savings and investment, you can also choose the proportion of 70{e49d478742bcd3fff949c46e924812053b1e1c5350074d68d35566b71e6be28d} consumption and the remaining 30{e49d478742bcd3fff949c46e924812053b1e1c5350074d68d35566b71e6be28d} for savings, protection and investment.

5. Children’s needs
Of course in the future we and couples plan to have children. This also needs to be considered again because the need is not limited to the cost of controlling pregnancy and childbirth, but there are still immunization, sickness, education, and family holidays. Happy counting! (f)Read More

Journal Of Enterprise And Monetary Affairs


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When considering the abilities that you just lack there are three avenues you possibly can take: you may hire staff who are strong in these particular areas, you may have interaction professional enterprise advisors, or you can take the time to be taught these key expertise your self.… Read More

U.S. Economy Information


economic news todayBe part of as we speak and you may easily save your favorite articles, be a part of in the conversation and comment, plus choose which information your need direct to your inbox. After Fitch said final month that gradual implementation of the structural reforms is expected to contribute to higher development, a contemporary report by the global agency says that India has highest medium-time period growth potential amongst largest emerging markets.

Highlights: Brexit negotiations and Catalonia, future of U.S. trade, unraveling of Dodd-Frank, tax overhaul, the U.S. economic growth and steady data for stock indexes, crypto mania, media company M&A, net neutrality repeal, OPEC output lower extension, Paris and Iran deal pullout, GE’s restructuring, Tesla discuss, Korea tensions, the EU’s warfare on tax avoidance and new Fed management.

The fifteenth Finance Fee, which the federal government notified on November 27, 2017, must first take care of the slowdown within the Indian financial system. While the inflation has gone up and even breached Reserve Bank of India’s 4{73a4f2442fef9f9b8c4fc094242ca3903c25b6c886a7ccb5a2c333138ae7c072} target and the industrial output has been showing moderate progress, there are 5 different areas that point to an economic uptick in coming days. The Japanese economy is selecting up and moving in direction of the central financial institution’s 2 per cent inflation goal. Dapatkan keuntungan Financial Occasions untuk melacak berita Bisnis terbaru dan pasar saham di mana saja dan membuat keputusan. This service might embody materials from Agence France-Presse (AFP), APTN, Reuters, AAP, CNN and the BBC World Service which is copyright and cannot be reproduced.

Union Finance Minister Arun Jaitley said within the Parliament at this time that Indian economic system is dealing with many challenges. The push to see curiosity-solely mortgages transition to principal and interest might see repayments leap by 50 per cent — and that could lead to issues within the wider economic system. Finance Minister Arun Jaitley on Thursday stated India has standardised itself for a 7-8 per cent progress rate on the again of bettering macroeconomic fundamentals.… Read More



economic news todayWorld markets had a powerful night time of commerce — particularly on Wall Road, which is posting additional records because of sturdy investor sentiment and higher-than-expected job figures. The Nationwide Payments Corporation of India – an umbrella organisation for all retail payments in India – registered 145.46 million transactions on its digital Unified Funds Interface (UPI) in December, 2017 from simply four.15 million in January final yr.

The local stock barometer continued soaring to new highs, settling above the eight,seven hundred resistance stage as world shares smashed information. A rebounding US economy, commodity costs, and a China’s financial slowdown are a few of the things that may determine how the Aussie dollar performs this yr.

After Fitch said last month that gradual implementation of the structural reforms is predicted to contribute to larger growth, a contemporary report by the global firm says that India has highest medium-term progress potential amongst largest emerging markets.

Market members might be analyzing whether or not the minutes deal with the prospects of additional price tightening action within the coming months and for any financial impacts from the brand new U.S. tax code. Join at this time and you can easily save your favourite articles, be a part of in the dialog and remark, plus select which news your want direct to your inbox. A deluge of economic data will even be launched at present, together with personal earnings and outlays, durable goods, new homes gross sales and client sentiment.

All modes of retail digital payments registered progress in transaction volumes in December, with the Unified Payments Interface (UPI) channel persevering with to develop the fastest, consultant data released by the Reserve Financial institution of India (RBI) showed.… Read More