Teropitka Business and Finance

Posts Tagged ‘Finance’

Do not think something related to money laundering is a tricky thing to learn. Through E-Learning Guidelines Recognize Customer and Transaction Reporting launched PPATK, things associated money laundering can be learned in a way that’s easy.

In the module, money laundering can be studied like playing treasures. Inside the module participants can analyze yourself how crimes of money laundering, stages of money laundering, to how to tackle money laundering.

Learning approach to web-based e-learning is intended to be public and financial services providers can easily find out the crime of money laundering.

“The module was launched to expand dissemination anti-money laundering regime to regulators, as well as society. PJK If people already know about how to anti-money laundering, PJK easier to run the task in the requested information and clarification of the customer, Chairman of the PPATK in Jakarta, Tuesday, April 28, 2009.

The project was conceived by PPATK is teaming up with The Australian Agency for International Development (AusAID). Communities and banking service providers can access the module via the PPATK, BI, website and Bapepam-LK.

There are five learning modules, namely the introduction of the module that is reserved for the general public, banking for banking module, module PJK capital markets for capital, PJK module market financing institutions geared to financing venture capital company, and module for an insurance company.

The financial crisis that occurred in the United States have seen the signs a while ago, but just to be taken seriously by the government of Indonesia from October 8, 2008 when the index fell sharply on the Stock Exchange up to 10.38% and requires the government to stop the activity in the stock market capital some days.

Actually a lot of repercussions felt by Indonesia with the financial crisis in the United States, both positive as a result of falling world oil prices through the $ 61 per barrel and negative impacts such as falling value of rupiah, export value decreased, falling investment or occur flyingout, however due to perceived more negatively to the Indonesian economy, especially for the real sector which has the share of exports, the government must seriously address this issue because in the end if not handled properly will result in distabilitas countries or often people say will happen Crisis second series.

that there must be anticipatory measures to face global financial crisis among other things, while maintaining the independence of decision makers, as much as possible keep interest rates currently available, the increase in deposit insurance ceiling on National Finance Institute, a massive injection of liquidity into the banking nasioanal , imposition of exchange controls is limited, the establishment of procurement agencies to manage state-owned foreign exchange transactions, must permit the central bank for the outward flow of capital transactions within a certain amount. Besides, discussions were also merekomendasiakan: Preparation of a scheme of comprehensive social safety net in anticipation of full-blown crisis, local governments are more closely as partners and implementing various policies have been defined, politically aware dumping, Preparing an incentive for local entrepreneurs to work on the domestic market, and recommended to review the economic system that had been trailing in the capitalist economic system.

Pay yourself first is a council proposed by several authors and experts in personal finance is to allocate a portion of proceeds to a stock savings before making any payment, the more urgent it is or even when it seems certainly not could meet him.

For example, if a person has set aside each month 10% of total revenue, according to the idea of paying yourself first, that person must meet the savings before paying any service tax or debt, even urgent which is or even if you think that then could not meet them.

The pay yourself first allows us to acquire the discipline to save (and thus meet our financial targets), but also where the money is not sufficient for us to make other payments, requires us to strive to devise new ways to get more money.

Self paid automatically

A word of advice related to the idea of paying yourself first is to make this payment automatically, that is, making our stock of savings is made up of a savings account at the bank, and that the money be deposited in it every month, is done automatically without us take the trouble to do so.

To do so, if you work for a company, we could approach the area of benefits and ask them to deduct a portion of our paychecks and deposited in our in our savings account or, in any case, ask that all our paychecks deposited directly into a checking account and then ask the bank to transfer a monthly sum of money in the account to our savings account.

Or, if you have income sources other than employment, we could open a checking account, and then ask the bank each month to transfer a certain amount of money from this bank account to our savings account.

The same pay us automatically, allows us to meet our savings plans without falling into the temptation to spend before the money we save, and without even having the need to be disciplined.

The idea of paying yourself and do it automatically applies mainly to form a bag of savings which can then be used to invest, however, this idea can be applied also for other exchanges form of savings or make other payments, example, to form a bag in case of emergency savings, saving to buy a home, making payments into a retirement account, make payments on a mortgage, making payments of any significant debt, etc.

And in the case of automatic payments can also create automated systems to make frequent payments, including payments for services, and so stop worrying about it, to avoid wasting time on it, and achieve more efficient management of our finances personal.

The Tax Club

The Wall Street stock indices closed the session on Thursday to record slight losses after the discouragement that caused the rise in applications for unemployment insurance as there are concerns about the banking sector after news that will bring to review foreclosures.

Thus, today in the New York Stock Exchange unfavorable news about the labor and financial sector generated the investor caution that paused the rally on Wall Street.

In this way, the applications for unemployment insurance in the U.S. housing peaked after two weeks unexpectedly low in the market led to discouragement. The rise in producer prices and the trade deficit also published today also favored.

In particular, today the Dow Jones industrial average showed a minimal drop 0.01% to close at 11,094.57 units, while the Standard & Poor’s 500 lost 0.36% to close at 1,173.81 intact, while the Nasdaq index was down 0.24 % to end at 2,435.38 points.

Stock markets in Europe with marginal losses with the exception of Frankfurt, amid renewed worries over the banking sector, which overshadowed strength in mining stocks by rising metal prices, with the weakening dollar.

In London the FTSE-100 index recorded a decline of 0.35 percent to 727.21 points five thousand.

The CAC-40 of the Paris stock exchange fell 0.24 percent to 819.17 points three thousand.

In Madrid the Ibex-35 fell 0.15 percent to 10 000 849.70 points.

By contrast, in Frankfurt, the benchmark index, the DAX, closed the day with a rise of 0.32 percent to 455.27 points six thousand, encouraged by the optimistic forecasts for the German economy.

European shares rose on Wednesday to a maximum of three weeks, in a market buoyed by the support measures announced by the U.S. Federal Reserve and the solid third quarter results from JPMorgan and Intel Corp.

In this environment, the London Stock Exchange put its FTSE-100 index at 0.19 per cent lower compared to Monday to register in the five thousand 661.59 points.

In Paris the CAC 40 index ended 0.52 percent lower, up to three thousand 748.86 points. While the Frankfurt Dax 30 index gave up 0.08 percent to stand at 304.57 points six thousand.

For its part, in Madrid, the Ibex 35 index lost 0.49 percent and stood at 10 000 648.2 integers at the end of the session.