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Archive for December, 2009

Financial check-ups will help identify possible financial problems at an early stage in the family. That way you can take action that must be done to fix it. That requires a tool or tools to perform these check-ups as well as doctors in our health check. In general, the financial condition examination carried out by calculating ratios or certain comparisons and draw conclusions from the results. There are three critical points that must be checked:

• About the present situation, measured by liquidity (the availability of cash to pay for the purposes of routine and urgent).

• The impact of past decisions of debt, measured by the solvency (ability to pay debt obligations at maturity).

• Future conditions, productivity is measured by the ratio of assets from the savings or invest. Read the rest of this entry »

In developing an investment strategy, the most important thing is setting specific goals. Because of the specific goals you will get the right information from the period of time and its value in the future. Then, from the side of ourselves, we also must examine our risk tolerance for investment. Do not get disturbed sleep due to the risk of selecting investments that are too high.

And after the two main points above, you are doing, then you need to develop alternative strategies for a variety of investment options. Strategies need to be supported by accurate calculations. From these calculations, you will get the value of funds that you need to invest to achieve financial goals that you have set begins with your financial situation today. Read the rest of this entry »

Money is often the cause of divorce. Disputes about the financial might happen while abundant money and while the lack of money. Indonesian society feel uncomfortable having to discuss financial problems within the family. Therefore, we felt the need to continue to call on all people, especially married couples to learn with each other about their finances. We strongly believe that every person has a view of money different because the husband or wife was raised in different environments. Failure to talk about money in the family has the potential to cause problems.

Many people feel that talking about the family finances is taboo. However, in our opinion, this fact should be discussed. These circles ever think, Is to let the financial problems in the family will solve everything? Or it could be a snowball growing? Small problems can become big if not addressed and resolved with wisdom. Therefore, in this much-needed family finances a management pattern in which each individual in the family (husband and wife) have rights and obligations of each. With the division of responsibilities and in-depth discussion can alleviate problems that may arise in the future. Read the rest of this entry »