SHORT TERM FUNDING SOURCE

A. The Type of Short-Term Funding
1.   Spontaneous finance is a type of funding that changes automatically to changing levels of corporate activities (eg visits from the sale of the company). Examples: accounts payable and accrued debt.
2.   Non-spontaneous finance is a type of funding that does not change automatically to changing levels of corporate [...]

CAPITAL BUDGETING

Capital budgeting is the entire process of planning and decision-making regarding expenditure of funds which funds the return period exceeds one year. The limit of one-year period is not absolute. It is including this type of expenditure and the expenditure of funds for the purchase of fixed assets (plant investment), namely land, buildings, buildings, machinery [...]

AVOIDING FINANCIAL CASUALTY

Accidents can be related to financial activities. Financial accident of most people is experienced when the income is not considered enough to cover expenses. Always think less even if you want to reduce consumption, income derived is still able to pay to live.
Tragically, the inability of restraint resulted in consumer move on to financing done [...]

STOP HOARDING CREDIT CARD DEDT!

Financial planning in Indonesia is still considered very low. Instead doing the long-term financial management, often uncontrolled daily shopping and savings eroded. If he does not owe.
The problem is, the character of Indonesian society for the financial management is still far from ideal, even a bad sort. Moreover, public opinion against Indonesia in general banking [...]

BECOMING ENTREPRENEUR AFTER RETIREMENT, WHY NOT?

Retirement is a process of great change in our lives. Changing habits to work as an employee who is always associated with regulatory and corporate culture for decades, the individual is free to choice to fill the remainder of this life is not easy. What I can say, we must make a choice.
One option that [...]

SCRUTUNIZE YOUR INSURANCE CAREFULLY

Indonesia is a country located at the epicenter of the world, the fact that there are frequent earthquakes and may occur again. There are previous earthquake in Padang, in Tasikmalaya, etc..
Then the problem is how do we as adults are able to perform risk management, especially to anticipate the family we love the worst possible [...]

THE WAYS INSURANCE COMPANIES CALCULATE INSURANCE PREMIUMS

First, insurance companies apply the law of large numbers. Philosophy, risks and uncertainties are smaller when the number of uninsured has increased. The greater the number of people who enter the life insurance program, the easier accuracy of estimates of possible losses of insurance is done. In this case, insurance companies are able to anticipate [...]

QUO VADIS?

Soon the year 2009 will pass, but what about your financial wealth? Feel comfortable with entering the zone of financial freedom to lead to increase in net worth is very desirable.
New hope is that the future financial condition may be improved. So to achieve the stage of the process of increasing the wealth if it [...]

FINANCIAL 2010, ARE YOU AFRAID?

Have financial plans in 2010? If not, it’s worth for trying to answer honestly the following questions:
Do you monitor each month of how much you spend?
Do you pay your credit card in full?
Do you have set aside some funds for retirement?
If you answered ‘no’ to all of the 3 questions above, then it’s time to [...]

UNDERSTANDING ON INVESTMENT

We have already said the investment is familiar in our life, even for housewife. But whether we have truly understood the essence (nature) of the investment itself? Or just home alone with the terms said that was “Ngalor-ngidul”?. For that, I think we need to understand the notion of investment, investment objectives, investment risk, the [...]

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