Business and Finance Analysis

Archive for the ‘Investment Tips’ Category

Prof. Dr. Adler Haymans Manurung, professor of Asian Banking Finance and Informatic Institute (ABFI) Perbanas said, the food business has remained the number one. In addition to capital is not large, involving less labor, and the velocity of money in it very quickly. It could even be more than 100 percent.

But before the culinary business hope you succeed, you need to know some of the factors that influence whether or not developed a culinary business. Dr. Handito Joewono, from Arrbeys, strategy and marketing consulting firm, said the factors that make customers come first is the quality of food. This relates to flavor food and raw materials.

Quality of food is divided into two parts: the real quality and perceive quality. Real quality over the least tasty food, and raw material usage. As if there is a restaurant that makes rendang, coconut milk should be plenty.

“And the consumer will not like it. Many coconut milk instead cause illness later. So employers have to combine good culinary quality real well, “he explained.

For the middle to lower real quality becomes more important than perceive quality factor, because they prefer the taste. As for the upper middle, perceive quality factor becomes more important. Food is not just tasty, but the safety and comfort while dining is also considered. For example, taking into account health factors of food are made.

The second factor about the place. In the science standards, the place should be strategically located. But later, the place is not so to be an important element. Because there are several restaurant businesses, although not a strategic place, still in demand. Problems of this place, Handito stressed that there should be an important match between food and consumers the intended target.

The third factor is the perception. “Among other factors, this perception is the most important,” he said.

Perception is very important, especially for the newly opened culinary business. The perception could arise from the use of symbols, both in exterior appearance and interior room. In addition, the perception is also constructed of how to package the food, or how to serve customers. Perception is then people will always remember about a place to eat.

For small culinary businesses, three of these factors is sufficient. But for businesses that want to develop into larger, the fourth factor, namely the promotion, is absolutely necessary. The way to the current promotion stuff. Via the Internet, distribution of brochures, installation of banners, billboards, and others can become a media campaign. That there are two major campaigns, namely through the mass media and consumers to borrow tongue. Wearing this consumer tongue, the most effective promotion.

If the business has grown large restaurant, already has branches everywhere, the five factors that must be met is to have a standard operational procedure (SOP). Good for culinary franchised, or not. Of course using the same SOPs, among other resto resto one with a shelter under the same name and management, as well as forms of ministry. Both in the matter of choice made food menu, presentation, how to serve customers, up to the physical form looks.

In simple terms, futures are trading, commodities, currencies, or securities in a certain amount, with certain specified price level now, and commodity / financial instrument is delivered at a specific time in the future. People who do this transaction in the future expect prices will be higher, so that he can profit by buying now. While the option is the right to buy or sell a commodity, currency, or securities, at any given time, at a price in the future. In contrast to futures, options buyers are “not obligated” to make a purchase or sale, but only given the right to buy (call option) or sell (put option) only. Call option will be executed if the price at maturity is higher than the price agreed at the time of purchasing the option. Conversely, a put option will be executed if the price at maturity is lower than the agreed price at the time of the purchase option. While the warrant is a right or option given to the old shareholders to buy shares at a price (subscription price), the ratio and time. Warrants are similar to a call option, although they have fundamental differences.
# In general, investing in all three instruments are not in accordance with the teachings of Islam. In short, there are two main reasons behind it. First, it contains elements of all three instruments gharar (high uncertainty). In a sahih hadith narrated by Imam Muslim from Abu Hurairah ra, Rasulullah SAW is expressly prohibits buying and selling (by the way) gharar. Uncertainties that exist in all three transactions is very high. Second, the three instruments also contain elements of maysir (gambling). Maysir explicitly forbidden by Islam, as Allah SWT says in Surah 5: 90-91. With a pattern of transactions as described above, the space leading to speculation that gambling is very significant. Moreover, there are elements of a zero-sum game, where if one party benefits, then the other party must have suffered losses. In simple terms, the mechanism of short selling is divided into two stages, namely the short sale and repurchase. At this stage of short sale (short selling), an investor (eg Mr. X) F to brokers to borrow shares, which shares the F is also borrowed by the broker from other investors. Of course there are a number of fee (interest) to be paid Mr. X because of this stock lending. Then Mr. X F are sold stock to the market at a price of Rp M (current market price), with Mr. Y as a buyer. This is the first stage. Later in the second stage (stage repurchase), Mr. X will buy back shares at a price of Rp F N (the current market price). After that he will return the shares to the broker. Mr. X will get a profit if USD M> R N. Otherwise, Mr. X will incur a loss. This mechanism is of course not sharia-compliant for several reasons. First, there are elements of usury, because borrowing shares is carried out based on riba (see Surah 2: 275-281 on the prohibition of usury). Second, sell something that does not belong to us are not allowed in Islam. Rasulullah SAW said: “Thou shalt not sell stuff that is not yours” (Abu Daud, Tirmidhi, Nasa’i, Ibn Majah and Ahmad). Mr. X in this case the stock traded that was not hers. Third, there is an element maysir or gambling, because the element of speculation is very apparent in this transaction

Why Real Estate Profitable
Using other people’s money, or use the financing is just one of convenience that can be utilized invest into property. But other than that there are many benefits of investment in property that makes it very attractive in comparison to other investments.

• Cash Flows, “Cash Flow”,

Cash flow is the money you receive on a regular basis on the money you invested in an investment. for example interest on savings and deposits are cash flow because it provides income to you. In property, the rent could be income or cash flow for you. More and more buildings can you rented the greater your cash flow.

• Value of your ownership of the house increases.

Value your rights of ownership or property investment is financed from the concept of using other people’s money was going to increase, far exceeds your debt or obligation. Person’s ownership rights in an investment is known as equity. For example if the purchase of your property investment amounted to USD 100 million, financed by the bank’s USD 70 million, the remaining Rp 30 million to use your own money. So your ownership rights to the investment worth USD 100 million had amounted to USD 30 million or 30% of it. The ownership will increase in value because of the reduced debt repayment obligations. In addition, your property rights are also increasing because of rising property values. Your property value will go up due to inflation makes the prices of goods and services has increased, including property. As a result of this inflation is not just a property value goes up but you also have the opportunity to increase cash flow or your regular income through increased house rents in line with inflation earlier. The increase in the value of this property can even increase your borrowing power. Banks are usually happy to give additional loans based on collateral or property price increases. You can use this money to pay off old debt balance, and the rest of the money from these loans can get your bag. Then to adjust to a new loan installment of rent income.

If you are an employee, of course, want to get a salary as possible, if the salary was paid by the company which you are not within your capabilities, then you will find another company who is able to pay you higher. Or you are looking for other income such as catering business, selling and other pulses.

Besides the issue of salaries, to compete with fellow employees who are younger are other problems you face in addition to salary. With more knowledge ‘ADVANCED’, with the idea of the new, higher work motivation, and are willing to pay with lower salaries. Of course, your boss or owner of the company will ‘look’ to your colleagues, and eventually you will get to sink.

Besides, another problem which we may not realize is INFLATION. For example, if your salary increase of 10%, and the rate of inflation was 12.5%, the actual salary will be reduced 2.5%. In order for your income is not reduced, that you are doing you should  your income with the following formula:

(Inflation – increase in salary)
———————————- x salary
(investment interest)

By assumption, the bank rate = 8%, and with income above formula which should be set aside for savings is 31.25% of your salary. Value which is high enough for most employees in Indonesia. Look for investment instruments other than savings / deposits.

Manage your finances carefully has become imperative. Not only save money, investing to meet future planning needs to be done from the beginning.

If you are getting interested to invest, there are several steps that need to be done.

First, compile a portfolio of investors. In this case you should be able to sort out what percentage of funds to be invested for short, medium, and long.

Mutual Fund Sales Manager of Schroder Investment Management Indonesia, Yudhi Rangkuti, say, portfolio selection is important to establish an instrument that can provide optimal benefits.

“For the short term, you can choose the deposit. However, in the long run, you can choose mutual funds,” he said in Jakarta on Saturday, January 17, 2009.

Second, you must carefully choose the institutions or who manage the fund. You have to carefully choose, such as banks which are credible and who is an investment manager (MI) for mutual fund products. You can also check how the track record (track record) of MI in managing investments.

They are known as investment funds of coverage, those funds that invest in foreign currency, specifically in dollars and euro. Its main objective, as for all other types of investment funds, maximize the return of investor. The great advantage of these funds, is that your risk is always the same or less than the overall market; probably you asked for that reason is that this happens. This is due to the investment funds of coverage as the same name indicates, techniques of coverage. In this way, this type of investment funds are structured as a society of capital where the same investor becomes the manager of such fund.

In this way the responsible for investment decisions is the same investor. Its main function is, therefore, buy dollars at the exchange rate set by the Bank of Mexico, for all those operations in documents that are deposited in a checkbook of investments in this way, the performance of the real investment in coverage depends on the changes that are presented in the parity between the peso and the dollar. The manner in which you as an investor get benefits, is when a currency devaluation, which is why, that this type of investment is quite recommendable for those who want to protect their appeals against a peso depreciation against the dollar. I invite you to invest in investment funds of coverage, and thus generate profits that need to resolve completely all your debts.

Do you plan to open an estate? It’s almost more profitable to buy an apartment
Today almost is more profitable to launch and maintain a business to sell or rent properties to buy one. The initial investment to create an estate does not usually move from the 60,000 euros, which can be recovered within five years.

To meet these deadlines is required an annual return of between 20 and 50 percent while real estate agents say the seasonality of the business income does vary according to season and location of the property on the map.

Renting a room: 800 euros

The location, preferably to rent, you must have an average area of 70 square meters plus a showcase of “at least two square meters,” explains Julio Pradera, a member of real estate group’s expansion Perfect Floor. Spending will be the first to list on the list and remember that it is permanent throughout the life of the business. Some 800 euros a month is the approximate cost but varies according to the city in which it decides to make the agency and the types of properties that interest you.

For example, if you have decided that industrial buildings are your product, your business will have better reception on the outskirts of town in the midst of the city, whose public demand for more local stories and urban.

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Considering how quickly communications networks grow, there is another way to take advantage of it: through entertainment companies that rely on them.

Of that universe, Fortune selects Broadcom, Viacom and Univision. The first figure in this list because the items manufactured connectors that allow other applications and products to arrive before television. Thus, in the coming years, their products will help to complete the integration of television and the internet.

Viacom appears among the favorites thanks to the large number of brands and resources to have their label: CBS, MTV, VH1, Nickelodeon, TNN, Paramount Television and Showtime, among others. Univision brings a new element: demography.

Absolute leader among media groups for hispanoparlantes, will benefit the growth of this population, particularly in North America, where it is based. In addition, analysts believe it is in a position to triple its purchasing power in the next decade.

Kings of Wall Street

The next trend has to do with the base metal. Thus, large banks and financial firms will benefit from savings lso new generations and continue to have a powerful ally: globalization, allowing them to continue conquering new markets. Only one fact: it is expected that the medium term the number of U.S. citizens age maximum savings (between 45 and 60 years) spend 60 to 80 million.

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Sure more than one investor has nightmares about all the activities in which to invest shuffled, he did some years later and have become great success stories, like Microsoft or Google.

However, although in the past failed to catch any of those big winners in the market, never too late to build a portfolio that will lead to success.

Thus, Fortune magazine has identified the trends that have the potential to transform the economy over the next ten years, and the ten values that you can take advantage of them.

According to American publication, these trends are basically four: the rapid changes in communications networks, the new and challenging entertainment industry, the boomerización financial services and the renewed importance of biotechnology.

Alone are powerful, but more interesting is that combined can really transform the way we work and interact.

Hand in hand with some of the best fund managers in the U.S., first class signature as Janus Capital and Franklin Templeton, have selected more companies can benefit from these trends, but they also have exceptional management skills to function whatever the economic environment.

As market volatility, some of those companies making losses in recent months and even years, but this, according to Fortune, is not something that should worry investors if they are largoplacistas.

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