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Posts Tagged ‘Gold as an investment’

Who would have thought, among all types of mutual funds, money market mutual fund products has scored an increase in Net Asset Value (NAV) the highest so far this year, which amounted to 49.47%.

Of the nine products that are classified together with mutual funds, six of which NAB decreased, while the two others accompanying money market funds notch gains.

As a note for the uninitiated, what NAB is the position of customer assets under management. This term is used to name the position of the customer portfolio.

Well, based on data from Information Centre, published Mutual Funds Capital Market Supervisory Agency & Financial Institutions Supervisory Agency. which recently reopened after being closed for 2 years for no apparent reason, the champion of the highest NAV increases until last week was the product of mutual money market funds.

In total, the position of the entire product mutual fund NAV per weekend was recorded at Rp 117.291 trillion, edged up 0.47% from the end of 2009 amounting to Rp 116.732 billion.

While the number of units of mutual funds that bought up last week as much as 71.350 billion units, up 1.96% from the position late last year as much as 69.978 billion units.

Looking at the ratio of the growth units are much higher than the increase in NAV which only rose slightly, indicating that most of the assets under management decreased a lot.

Sure enough, when translated it turns out most of the NAV per types of mutual funds has decreased.

Bapepam-LK classifies nine types of managed funds products namely
1. Mutual fund shares.
2. Money market funds.
3. Mutual funds are a mixture.
4. Fixed-income mutual funds.
5. Mutual funds are protected.
6. Index mutual funds.
7. Exchange Trade Fund (ETF) shares.
8. Fixed income ETF.
9. Sharia.

Of the nine types of products managed funds, the NAV 6 are decreased, while the ride is only 3 products. Fixed income ETF products recorded the highest percentage reduction in NAB this year, which amounted to 34.18% from Rp 629.33 billion at the end of 2009 to Rp 414.194 billion at the end of last week.

Product index mutual funds came in second place with a reduced NAV worst of 28.63% from Rp 290.190 billion at the end of 2009 to Rp 207.093 billion at the end of last week.

Then type ETF shares decreased 11.46% from Rp 45.130 billion at the end of last year to USD 39.958 billion at the end of last week.

Product fixed-income mutual funds NAV decreased by 5.81% from Rp 20.087 trillion at the end of 2009 to Rp 18.919 trillion at the end of last week.

Mutual funds are also protected in total NAV decreased by 4.19% from the end of 2009 amounting to Rp 34.623 trillion to Rp 33.170 trillion at the end of last week.

Finally, the product mix of mutual funds that declined by 2.49% of NAV of Rp 15.657 trillion at the end of 2009, to Rp 15.267 trillion at the end of last week.

If the total, NAB position 6 of the above products at Rp 68.017 trillion at the end of last week, down 4.64% or Rp 3.314 trillion from the end of the year 2009 amounted to Rp 71.331 trillion.

Fortunately, the increase in NAV 3 other products managed to lift the total NAV of funds under management of products, mainly supported by the increase in NAV money market mutual fund products to become champions.

Meanwhile, shares of mutual fund products and managed funds contributed to the increase NAB sharia, though not for money market funds.

NAV of funds under management in Islamic weekend was recorded at Rp 3.675 trillion, edged up 0.1%, or USD 4 billion from the end of 2009 amounted to Rp 3.671 trillion.

Then the position of an equity fund NAV at the end of last week stood at Rp 37.795 trillion, up 3.53% or Rp 1.288 trillion from the end of 2009 amounting to Rp 36.507 trillion.

Finally, the product of money market funds recorded NAV of Rp 7.801 trillion at the end of last week, soared 49.47% or Rp 2.582 trillion from the end of the year 2009 amounted to Rp 5.219 trillion.

NAV total 3 products are recorded at Rp 49.271 trillion at the end of last week, up 8.53% or Rp 3.874 trillion compared to the position late last year was Rp 45.397 trillion.

The increase in NAV money market funds, either from its nominal value and the percentage increase in sustain success throughout the NAB product funds under management, at least until last week.

For the record, the position of NAB entire product funds under management now amounting to Rp 117.291 billion was the highest in the history of the Indonesian capital market.

So, why money market mutual fund products incise sheen so big this year?

Mutual fund money market funds under management which is a product placement of funds allocated most (80%) in savings deposits, time deposits and certificates of Bank Indonesia (SBI), while the rest in debt instruments of short term (less than a year).

In simple terms it can be concluded, that the increase in NAV money market mutual fund products is due to the substantial amount in this product portfolio and increased customer value in these instruments.

The question then, why is there a massive interest in investing in savings instruments, deposits, SBI and short-term debt?

The answer is simple. Recent economic projections indicate that global economic recovery “scheduled” to start the second half of 2010.

Economic recovery, usually accompanied by a demand or purchasing power at odds with the production or supply of which is known as inflation. The greater the ratio of inflation, within the context of economic recovery means that an increase in demand rather than supply position.

Well, projections indicate an increase in inflation will always increase the benchmark interest rate of Bank Indonesia (BI Rate). Therefore, the ethics of economics, the interest rate the bank can not lower than inflation.

Therefore, easily be concluded that the recommendations of the economic recovery led to expectations of an increase in Bank Rate in the second half of 2010, as many analysts had projected, even though the BI officials pitched the same.

The increase in the BI Rate, of course, will make the interest rates of savings and bank deposits and SBI have increased. And it certainly will provide increased margin (yield) on such products.

So naturally, when some market participants are now chasing money market mutual fund products, driven by expectations of an increase in the BI Rate, hoping to reap profits amid the global economic recovery sentiment.

European crisis is prolonged, the decline in yield or yield on U.S. government debt securities and the deterioration of the dollar has become more ‘shiny’ than gold. Investors began to ‘dilute’ gold for dollar assets.

The price of gold which had hit a record high of U.S. $ 1,900 per ounce during September, there were already dropped to 8% in 2 weeks. The largest decrease to a quarter occurred on Monday (9/20/2011) yesterday.

In recent months, gold has been regarded as one of the most solid safe investment, especially when developed countries have to face the economic slowdown and the high debt that should get a stream of liquidity, along with a weakening currency.

In addition, fiscal and monetary policy stimulus that is feared could trigger massive inflation that pushed gold prices.

But fears of a Greek default could drag other European countries, and could further lead to loss of the European banking system led investors are turning to the U.S. dollar is considered more secure.

“People began to move straight to cash rather than seek alternative safe assets such as gold,” said David Meger, metals trade director of Vision Financial Markets was quoted as saying by Reuters on Tuesday (20/09/2011).

Some money managers also expressed his own view of his prudence.

“I’ve pulled my horn a bit, and stay close to neutral. The things in the back of my mind is the situation in Europe,” said Gregory Whiteley, who manages a portfolio of government bonds in Dobleline Capital assets of U.S. $ 16 billion.

Loomis Sayles Vice Chairman, Dan Fuss who manages foreign assets up to U.S. $ 160 billion, said the company increased exposure value of assets the U.S. dollar during the summer because no easing of the problem in Europe and the U.S. economy began to grow.

Said Fuss, Loomis dollar exposure has increased from 60% to 70%, while the exposure of non-dollar decreased from 40% to 30%.

“We increased exposure to assets in U.S. dollars are also due to the world a little scary. There is a short-term tactical movement. That said, the U.S. still owes very much as the best place in the world,” he said.

John Taylor, chief executive officer of FX Concept which manages the fund up to U.S. $ 8 billion, said he still holds a long position for the U.S. dollar. Taylor, who last year predicted the U.S. could enter another recession in 2011 also said he still believes ‘bearish’ for U.S. stocks.

Some analysts said the decline of gold may be a sign, investors who have entered since the beginning of starting to take profits.

As is known, enter the gold earlier this year at a price of U.S. $ 1,400 per ounce and gradually rose up through U.S. $ 1,920 per ounce earlier this month. But slowly, the price of gold are now beginning to recede.

“Gold has lost a little luster, but gold is one of the few assets that has scored short-term gains for everyone lately,” said Greg Salvaggio, vice president of Tempus Consulting.

While Adnan Akan, head of forex Fischer Trancis Trees & Watts In fact, gold might include some assets that investors can be sold to cover losses in stocks and other risky assets.

After the collapse of Lehman Brothers in mid September 2008, he said gold initially rose to 15% as investors sought a safe place. By the end of October 2008, gold actually fell 20% as investors must satisfy margin calls or risky trades.

“You get nervous, volatile movement as we see now and people have to sell what they have,” he said.

The same mechanism tends to push the U.S. dollar at a stressful time for investors who buy at the lowest interest rates to buy assets that yield higher, should hurry to buy back the assets when it began to fall in value.

You do not know how to invest in gold, will be discussed in this article about investing in gold. Let’s get started … Investing in gold could be in some kind of gold or media such as gold bullion, gold coins, savings, gold, gold certificates, mutual funds with underlying gold mining companies, as well as up to buy gold commodity futures contracts.

And indeed, many people today feel if they do not hold physical gold is not yet stable, and in this article will try featured on investing in gold bullion, gold coins, etc. and have a physical form.

Learning Gold Investment

Excess Investment Gold

Gold values ??tend to be stable from year to year and are considered not affected by inflation / zero inflation effect, and very rarely gold prices fell, and gold can also be used for the collection and as jewelry.

Investment in Gold is also great as a way of diversifying property remedy. You can only invest in stocks, mutual funds, property, bonds or other ORI and investing in gold can be a good alternative, especially in unstable conditions, the gold could be as a tool to hedge. Gold prices also tend to be stable due to the gold commodity in the world can not be increased.

One other advantage is the price of gold is pegged in U.S. dollars, so if there is an increase in the value of U.S. dollar, you can get two immediate benefits of the increase in the dollar and the rise of the price of gold itself. But can the same condition, if the gold price was falling. But for the long term gold prices tend to be stable and rising.

When compared with investing directly in USD currency, gold is more profitable. In Indonesia, money changer relatively fussy. They appreciate the currency cheap long output or folded currency. Not to mention there is the risk of fake serial number. As a result, saving USD currency must always be updated. Unlike the gold which can be bought and taken any action for a while.

Then how about buying white gold? White gold is pure gold mixed with other metals that have different levels, typically up to 70%. Some say it is a platinum and white gold, but because the price of platinum is very expensive, so in Indonesia rarely sell them.

the choise as Well, if your goal is investment, buy gold bullion or gold coins and make sure there is an international standard certificate. See the example in the picture.

Buying Tips Gold Certified Gold Bars, Gold and White Gold Jewelry

Then where where to buy gold bullion with levels of 99.99% certified? You can buy in factory Limited gold sales division, can be viewed via the website or can be through Place logammulia.com Pawnshop, and also shops that sell gold.

• Save memorandum purchase because it will be necessary if the gold will be sold again.

This is because not all buyers of gold, both sold in stores or other places, an expert in determining the gold content. Because to check the levels of gold takes time and technology are not necessarily available where you sell it. And if possible, sell the gold was back in the place you bought it, because it certainly would be easier and there are many questions about gold.

So what is the value of gold when sold?
Depending on where you sell it, if they use the system at the Pawnshop pawn, then your gold is only rated up to 90% of the buying rate mortgage at the time. When stores of gold, usually cut Rp.5000/gram of the purchase price. And if in PT.Logam Honor – Division PT.Antam.Tbk gold sales, you can see on the website for the purchase price back logammulia.com per-gram.

As we know from several types of precious metals, precious metals gold is the most sought after and popular. Because of gold than can be used as a means of investment and hedging your property from the effects of inflation, gold could be used as ornaments (wear). And to start buying gold, surely you must know your purpose in buying the gold, whether for investment or to wear?. When to buy an investment gold bullion or gold coins, and when to use must buy gold jewelry that you like. So how smart tips to buy gold bullion, gold and white gold jewelry? Can you read the following tips:

Smart Tips In Buying Gold Bars, Gold and White Gold Jewelry

1. First look at the current exchange rate of gold prices
Of course, before buying gold, you can check what price gold market today, it could through newspapers, websites price-Emas.com, website Pegadaian.co.id pawn shops in the main yard there is a menu of current gold prices, gold or ask the shop contact Noble PT.Logam sales which is a division of PT. Antam Tbk – gold producer in Indonesia, on each working day Monday to Friday at logammulia.com. And if you buy gold or a week Saturday course you can find information on the benchmark gold prices on Friday afternoon.

2. Consider the state of the gold you buy
When you buy gold jewelry is to wear, of course, you can choose the preferred model and also note the state of her gold jewelry, is still good or is flawed.

If the purchase of existing gold pearl jewelry, pearl consider whether there is chipped, scratches and other, because of course when you sell it back, gold shops will check first and affect the sale price.

If the purchase is a form of bracelets and necklaces, pick the key lock necklace bracelet or machine made, that is shaped or hurus called toogle. While the usual hand-made key-press buttons and the shape can become weak when it is often used (book cover) and have been aged longer.

And see also display gold, buy gold, which is very clean, because sometimes there are green in certain parts of the pores. Jewelry stores might say this is a normal thing, but actually not, gold has not been washed properly. In the gold is still lagging behind the rest of the chemicals that can cause skin allergies in the wearer, which causes itching, etc..

3. Ask The gold purity levels
Here are the levels of purity of gold according to international standards:
- 24-karat gold is pure gold (99.99%)
- Gold 22 carat gold has a composition of 91.7% and 8.3% mixed with other ingredients, usually silver
- Gold 20 carat gold has kompoisis 83.3%
- Gold 18 carat gold has a composition of 75%
- Gold 16 carat gold has a composition of 66.6%
- Gold 14 carat gold has a composition of 58.5%
9 carat gold and has a composition of 37.5% gold

But because we live in Indonesia, the standard gold content in gold shops in Indonesia is somewhat different. 24-karat gold is 90% gold, 23 carat gold is 70% gold, 22 carat gold is 40% gold and the other.

Rust can be seen there is a difference that much different. System of buying and selling gold in our market (the traditional market – a store of gold) was quite apprehensive because there is no standard system and the consistency of price, weight and purity.

As we know from several types of precious metals, precious metals gold is the most sought after and popular. Because of gold than can be used as a means of investment and hedging your property from the effects of inflation, gold could be used as ornaments (wear). And to start buying gold, surely you must know your purpose in buying the gold, whether for investment or to wear?. When to buy an investment gold bullion or gold coins, and when to use must buy gold jewelry that you like. So how smart tips to buy gold bullion, gold and white gold jewelry? Can you read the following tips:

Smart Tips In Buying Gold Bars, Gold and White Gold Jewelry

1. First look at the current exchange rate of gold prices
Of course, before buying gold, you can check what price gold market today, it could through newspapers, websites price-Emas.com, website Pegadaian.co.id pawn shops in the main yard there is a menu of current gold prices, gold or ask the shop contact Noble PT.Logam sales which is a division of PT. Antam Tbk – gold producer in Indonesia, on each working day Monday to Friday at logammulia.com. And if you buy gold or a week Saturday course you can find information on the benchmark gold prices on Friday afternoon.

2. Consider the state of the gold you buy
When you buy gold jewelry is to wear, of course, you can choose the preferred model and also note the state of her gold jewelry, is still good or is flawed.

If the purchase of existing gold pearl jewelry, pearl consider whether there is chipped, scratches and other, because of course when you sell it back, gold shops will check first and affect the sale price.

If the purchase is a form of bracelets and necklaces, pick the key lock necklace bracelet or machine made, that is shaped or hurus called toogle. While the usual hand-made key-press buttons and the shape can become weak when it is often used (book cover) and have been aged longer.

And see also display gold, buy gold, which is very clean, because sometimes there are green in certain parts of the pores. Jewelry stores might say this is a normal thing, but actually not, gold has not been washed properly. In the gold is still lagging behind the rest of the chemicals that can cause skin allergies in the wearer, which causes itching, etc..

3. Ask The gold purity levels
Here are the levels of purity of gold according to international standards:
- 24-karat gold is pure gold (99.99%)
- Gold 22 carat gold has a composition of 91.7% and 8.3% mixed with other ingredients, usually silver
- Gold 20 carat gold has kompoisis 83.3%
- Gold 18 carat gold has a composition of 75%
- Gold 16 carat gold has a composition of 66.6%
- Gold 14 carat gold has a composition of 58.5%
9 carat gold and has a composition of 37.5% gold

But because we live in Indonesia, the standard gold content in gold shops in Indonesia is somewhat different. 24-karat gold is 90% gold, 23 carat gold is 70% gold, 22 carat gold is 40% gold and the other.

Rust can be seen there is a difference that much different. System of buying and selling gold in our market (the traditional market – a store of gold) was quite apprehensive because there is no standard system and the consistency of price, weight and purity.

Do you know how big companies protect business assets? They have a way to protect assets with a hedging. For example, such companies have debts in foreign currencies with a maturity of five years to come. Then the company will sign a contract purchase of foreign currency on the agreed value, with the date of realization of corresponding maturity debt. There is a fee charged, but for large companies is not a problem. Better to pay a fee whose amount can be ascertained, rather than bear the risk that is not limited. In other words, better pay a fee to obtain the value at an affordable rate, rather than face the risk of ballooning debt doubled due to exchange rate fluctuation.

For us, the public, of course, somewhat difficult to hedge as do large companies. Because of course more complicated and even limited access, and asset not always associated with the value of the dollar. Therefore, hedging can be done to the general public is to buy gold or savings in gold.

In this case the gold is used as a protection against the value and wealth. And in general the higher the inflation, the better will usually rise in gold prices. And the more people panic against economic uncertainty, the price of gold will be driven up. But the opposite applies, the price of gold will tend to be constant when the inflation rate low. Gold prices tend to decrease slightly even when the inflation rate below two digits and the dollar exchange rate stable.

Therefore, investment gold is very suitable for use as a protector of property value. Gold values ??tend to be stable and have not considered the effect of inflation (zero inflation effect). Circles refer to gold as an investment consultant save heaven. Buy gold and gold is an asset saving in a safe and stable, so-called heaven save it.

We know that the precious metal has several options, one of them is gold. Precious metals are the most widely sought after and popular society, this is because gold is used as an instrument other than an investment, gold has also acted as a protective asset value you have effects of inflation.

To start investing in gold, of course, you must determine and find out what your intent and purpose of investing in gold. Do you use it as an investment instrument or just to wear?

precious metals Precious Metals Investing Tips

If you want to invest it’s good to choose gold bullion or gold coins (dinars coin), if only to use must choose the form of jewelry that you like.

Some selection tips of gold:

• Update Update Currency exchange gold Gold is what you get every day, at 9:30 or you can call directly to PT Antam Tbk.
• Note Two Determinants of the world gold price factor and the factor of the rupiah against the dollar. It is therefore advisable to always update every time, information on the two factors.
• Note Authenticity Authenticity Gold gold can refer to a certificate acquired at transaction of gold bars (slabs). Where the certificate must be issued by PT Antam Tbk. (Specifically Indonesia) international standard and has been recognized by the London Bullion Market Association (LBMA). The original certificate has a serial number which is also available on a gold plate, and measures 5 x 6 cm. Meanwhile, to ensure the purity of the gold plates, you can see the pentagon-shaped logo LM stated, and there are writings .9999 Fine Gold, and if the value of gold more than 5 grams with the serial number on the plate (which usually begins with two characters and three digits numbers).
• Ensure levels of purity of Gold, in accordance with International Standards 24 Karat Gold (pure gold)
• Save the Evidence and Proof of Authenticity Purchase Gold This is the proof of authenticity when you sell the gold back to where you bought it, because it certainly would be easier and there are no questions about his gold

decline in gold prices was the continuation of a correction in gold prices on Tuesday. Overall, the price of gold during this week has slid nearly U.S. $ 50 per ounce.

These declines, he added, also triggered by the release of economic data
better than investors originally expected. “Investors want to realize profits after reaching the highest price,” said Redler as reported by The Street, Thursday, January 6, 2011.

Redler believes gold prices will be higher this year than the current level. Still, he could not determine how the score. He predicts gold prices will still be traded at the level of U.S. $ 1,320 per ounce.

Sharp decline in gold prices has actually happened in early 2010. At that time, no less than a month, the spot price of gold fell nearly U.S. $ 100 from its highest level ever achieved in January.
Drop in gold prices after recent weeks and rocketed to record highs in the gold market making traders Cikini, Jakarta, afraid to open the price and sell the precious metal. Traders chose not to sell the precious metal because of fluctuating prices.

“After the fall, we do not have a trade. Since there is no price, not the stock runs out, but we do not dare,” said Jaya Abadi gold shop owner, Julia, to VIVAnews.com Cikini market, Thursday, August 25, 2011.

The fall in gold prices, says Yulia, making the gold traders do not open trade in precious metals, because they’re in a position to wait for the development of stable gold prices rose again. “Here it is not open price, the average is not traded precious metals. Do not know if in other places,” he said.

Instead, go Yulia, she and several other traders only trade open to buying and selling jewelry, because consumer demand ahead of Eid increased, although not significantly.

“Yes, it was crowded, but not for the precious metal, yes,” he said.

Meanwhile, at PT Aneka Tambang Tbk Processing Business Units and Precious Metals Refining per August 25, 2011, at 7:33 pm, the price of the precious metal the size of a gram sold Rp534 thousand and two grams of Rp513 thousand per gram. For the size of 2.5 grams sold Rp508 thousand per gram, three grams of Rp506 thousand per gram, and five grams of Rp502, 5 thousand per gram.

The price of gold on international markets this week continues to decline. Conditions that trigger the selling price in Jakarta, also corrected. Based on data on the Comex division of the New York Mercantile Exchange, Wednesday, January 5, 2011, the price of gold for February delivery fell U.S. $ 5.10, to U.S. $ 1,373.17 an ounce.

The highest recorded price of gold at U.S. $ 1385.20 and low of U.S. $ 1,364 per
ounce during the trading session. Meanwhile, according to Kitco index, the spot price of gold fell U.S. $ 8.20.

In the country, based on sites managed by PT Aneka logammulia.com
Tambang Tbk, precious metals prices in the spot market on Thursday, January 6, 2011, reached Rp403 thousand per gram, while the purchase price of Rp387 thousand per gram.

If compared to Tuesday this week, which is at the level of Rp413 thousand per gram, gold price has corrected logammulia.com of Rp10 thousand per gram. Based on data on the site, the lowest price of gold in December 2010 was Rp404 thousand per gram.

In gold shops lathif Chan, Blok M Square, South Jakarta, on Thursday, January 6, 2011, the price levels of 24-karat gold sold Rp410 thousand per gram. In earlier trading, precious metals prices were still above Rp410 thousand per gram.

“The price drop happened since yesterday (Wednesday),” said Denny Defriansyah, Chan lathif gold shop owner, told VIVAnews.com. He said the price decline is the impact of fluctuations in gold prices in international markets. “I can not forecast until when,” he said.

Meanwhile, in the gold shops Kaliem, Melawai area, South Jakarta, the price of gold is still priced quite high, although down from Rp410 thousand Rp 2,000 per gram on Wednesday, becoming Rp408 thousand per gram on Thursday. “Since Lebaran until now the price ranges from Rp 400 thousands per gram,” said Siska, gold shop owners Kaliem.

Investing in gold?

Denny explains the decline in gold prices was responded to a number of consumers with buying gold for long term investment. They hunt for precious metals (gold yield of 24 carat) and jewelry in the form of necklaces, bracelets, or rings. “They’re buying for and then keep it. This is as a strategy to spread investment portfolio,” he said.

He that consumers continue to monitor the development of world gold prices before deciding to buy the precious metal. “Better still wait and see, first, because we can not predict (prices) going forward,” he said.

In his blog, Denny admitted the difficulty predicting the gold price fluctuates significantly. “It’s very difficult for us when to suggest consumers should buy or sell,” he said.

According to Denny, the decision to buy or sell gold depending on the investment objectives, “whether for short-term investments, long term, or simply as an ornament.”

Under it, consumers should buy products jeis gold as needed. If only for jewelry, for example, consumers should buy jewelry with high levels of 22-carat gold. Due to these levels, the jewelry can be designed to attract.

It’s different if consumers are buying gold for investment purposes. “If the goal for investment, it is advisable to buy precious metals or jewelry with high levels of 24-karat gold,” he said.

As is known, world gold prices fell again Wednesday, after a day
previously trimmed to 3.1 percent. The decline in gold prices was triggered by the strengthening U.S. dollar against several major world currencies. The U.S. dollar index rose 1.07 percent to U.S. $ 80.28 on Wednesday. Meanwhile, the euro exchange rate against the U.S. dollar fell 1.12 percent to U.S. $ 1.31 per euro.

Just imagine how happy our hearts if he could buy the latest gadgets, traveling abroad with people nearby, eating at a nice café or perhaps bersedakah without having to think about how much money is left ditabungan us. There are rich people so poor that coud not manage money there are also people who are poor can become rich arena to manage money.

The problem many people are still hard to save for various reasons. Usually people complain their salaries are too small, so that nothing else can save. “Boro-boro saving, make everyday just hard!”. If companies want to raise my salary, I would be saving.

And saving money was not difficult. Saving money is easy. What we have to do is set aside just a little of our income on a regular basis, Let’s refer to the tips smile icon 10 Saving Tips Quick Ways

1. Remember to set aside the word is not left ya .. If you want to be rich? yes as this is an obligation to do, remember OBLIGATIONS. As is the case, see yuk!

2. Life should not multiply the prestige because many people can not live feasible because most prestige, intellectual person can be seen from how to manage money. Usually people who do not understand money much money hold little time alone with him directly

3. Installment credit is a maximum limit of 30% of monthly income, 30% had a yellow light, there is good in 20-25%.

4. Saving money into gold. Saving money is not synonymous with savings or deposits at the bank. We can save the gold, and get a higher return. Only we must be careful to keep it. For gold investment can be asked at the Pawnshop is now the service is good to be repaid starting from $. 150,000 gold and it really safe. (This is interesting because speaks future).

5. Learn about investing so that our money is not eroded inflation, when it’s our money experts will breed. (Decline in currency values)

6. Have a financial goal of saving money. Saving without a specific goal will make us tempted to use the savings before goals are reached. While the goal will prevent us from using the money saved before the funds needed to realize their financial goals achieved.