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Business Opportunities And Investment In 2012, Business Opportunities, Business, Investments. The industrial sector of food, service and hospitality industries, as well as mining and energy is estimated to be experiencing a boom in 2012. In domestic demand towards the service industry, hospitality, and food in the country will increase.
As for the mining and energy due to demand in some countries that are not affected by the crisis are also quite large, “said Didik J. Rachbini, Head of the Research Institute, Research and Economic Development (LP3E) Kadin Indonesia, in Jakarta, Wednesday, December 28, 2011.

Business Opportunities And Investment In 2012

According to him, the growth of community groups who have high purchasing power is currently quite large. Thus, the demand for the service sector and the hospitality and food products will continue to grow.
He called, still the consumption sector will contribute about 60 percent of economic growth. »However, if the government can not maintain comfortable conditions for businesses, the growth in the domestic industry will be below the government target,” said Didik.

He mentions, the growth rate of 7.1 percent in 2012, the government pegged quite rational when balanced with the level of mortgage interest rates are low. So even with the infrastructure and energy, especially electricity are adequate. »Flowers banks are still not friendly, but Bank Indonesia has lowered the BI Rate,” said Didik.

Business Opportunity In 2012

Chairman of the Chamber of Commerce and Industry Suryo Bambang Sulisto expect bank lending rates could be on the level of 8 percent or less. The reason, he added, the Bank Indonesia benchmark rate (BI Rate) has been a 6 per cent.

According to him, BI efforts not followed by a decline in interest rates of commercial banks. He indicated the existence of inefficiency of commercial banks. “The contribution of commercial banks in corporate investment and working capital is still low,” he said.

Investment which is distributed no more than 25 percent and working capital of approximately 21 percent. As a result, call him, this is less encouraging development of the real sector.

The same thing also expressed Didik Rachbini. He called, inefficiency can be seen from the high bank operating costs, interest costs, as well as the cost of risk. All the components were still in flower components.

Tips Wise Financial Decision Making. Every person must have to make financial decisions, even since the person began to recognize the money. A child who is given pocket money, for example, was given the freedom to buy foods that are preferred or for savings. Thus, financial decisions are not related to age. What matters is whether it is the right financial decisions, wise, and beneficial or not to the breakers.

There are still many people who make financial decisions not based on rational considerations, but rather is driven by emotional impulses or just sheer. There is also a financial decision that does not come from ourselves, but because of the encouragement the environment, whether it be family or friends. Is that wrong? It is not always wrong. Provided the decision is in line with rationality. But in practice, financial decision solely based on emotional usually end up with regrets.

financial goals
There are several factors that should be considered before making a decision. First, the decision must be part of an effort to achieve financial goals. The most simple, for example, the decision to eat at the restaurant. Eating is part of the consumptive needs. In financial planning, of course there is the allocation of how much of your income to meet consumer needs. Well, when you decide to eat at a fancy restaurant, it must be ensured that these measures do not undermine the budget allocations that have been prepared.

Indeed, eating in a fancy restaurant might be trivial. For some people, the numbers do not amount to much. However, if it is done repeatedly, without any budgetary allocation, in turn, will inevitably disrupt the overall financial condition. Moreover, if such behavior is performed using a credit card. The number of new spending will be known when the credit card bill arrives.

Good relations not only done by humans to other humans, but also to the money. That is, you must be wise and flexible in treating money. To balance the current pleasure and safety for the future, the key is to respect the priority. To balance between the priorities and desires, you must learn how to enjoy ourselves today without creating problems in the future.

Jeremy Shapiro, PhD, a psychologist at Case Western Reserve University, author of four books and scholarly articles on various topics of psychotherapy, convey the points that you can still feel happy after spending money.

1. Purchasing experience, not the material
Research shows people will get more happiness with the purchasing experience, rather than buying material things. Relax to enjoy the natural scenery, or watching theatrical performances will benefit long term. If you spend the money to buy the latest model handbag, shoes, or jewelry, satisfaction will quickly be lost because the goods you will soon be replaced with new models that continue to emerge. Therefore many people prefer to spend time and money to talk, or traveling which can create wonderful memories forever.

2. Making small purchases in large quantities
Research also shows that the money spent producing more pleasure when used for purchases in large quantities. Bought small items but a lot more fun than just buying one item at a great price. You’ll get more satisfaction if you spend money at different times for different things.

3. Do not become a routine
Enjoyable experience usually involves novelty and variety. But when the fun is done repeatedly, you will become accustomed to, and experience would be a boring routine. If you enjoy a latte every morning, or eat in restaurants every day for lunch, then you will spend money every year without getting to do something meaningful. Try to regularly bring food from home for lunch with a potluck side dish. Then occasionally indulge yourself with a meal at an expensive restaurant. Satisfaction would be different.

4. Use your brain, not just money
People who are accustomed to saving must be able to enjoy free or inexpensive activities. You will become more creative to make more money and use it wisely. There are sources of happiness that is found by psychologists from the results of their study, ie, by exercising, gardening, spending time in nature, arts and crafts, music, and religious activities.

5. Give to others, not just yourself
Research shows, do good to others is a very effective way to increase happiness. In one experiment, people were given some money and they are required to spend money by sharing with others. A week later, respondents indicated an increase in happiness scores. That is, sharing it is fun. Respondents agreed that giving is more rewarding than receiving. Translate values ​​into action through sharing can build self-esteem and feelings, and to improve good relations with others.

One Bill never got an offer from credit card issuing bank? One Bill is a bill payment facility for a variety of personal and household, who put together and paid via credit card bills. Credit card issuing bank will pay the electricity bill, water, cable television, home phone, cell phone, insurance premiums and other bills, so you do not have to bother and allocate time to pay the entire bill mentioned above.

However, there are some things you need to consider carefully before deciding to use this feature:

• When you tell a home phone numbers and mobile (phone), data means that you understand that these numbers could be spread throughout Indonesia. The data you provide is often sold by people who are not responsible in the banking world, whether known or not by the management of the bank (but certainly no one wants to admit).
• Be sure to have funds in your bank account, and when the credit card bill arrives, pay it off immediately, either through the manual (ATM) or use auto debit a savings account. Pay off all bills One Bill, do not leave because the new bill next month will be borne by you.
• Make sure all bills are still the responsibility of you, and immediately contact the bank to write off or remove certain bills from Bill One moment you are not using a particular phone number, or you have moved house (home phone, electricity, cable television and water).
• Special cases of payment of insurance premiums, especially unit-linked (if you have one), you should immediately allocate and dedicate part of your salary each month. Make sure the insurance premiums you pay off every month, and do not pay minimum credit card bills only.

financial decisions must have a background. Every financial decision should be based on the background that could be accounted for rationality. So, no you spending a dime that is “like-like”.

If you want any expenditure which is not unexpected, since the beginning should be no allocation of such expenses. For example, 10 percent of your income is earmarked for activities that are just so cost. Is it for-for money for people who think you deserve to be divided, or for activities of a hobby. However, the total allocation for things like that, as described above, should not exceed 10 percent. Unless, you want to reap financial problems later in life. Go ahead.

In conclusion, the actual financial decisions is one important element in ascertaining whether you will succeed or fail in managing finances and, in turn, achieve financial goals. Decisions that are reactive or without a plan will typically give more negative impact.

If your behavior is the reactive, impulsive, and easily influenced by others, it never hurts to start to fix it, if you want to live, in a financial context, no problems.

It looks great, but the original price of the goods were actually expensive. Call it branded bags. The price there are tens of millions. However, due to a 50 percent discount you become hooked and also purchased, with a variety of reasons, including want to own branded goods as prestige. What happens then is remorse. Because, in fact you do not need a designer bag and more than that, is not included in your financial planning. Your financial decisions based solely emotional.

Second Impact, financial decisions should see the impact of short, medium, or long. Suppose you do not already have a house and still live in a rented house. On the other hand, rent a rented house was big enough. So can the question arises, whether to continue contracting, while waiting for an increase in income and when able to buy a house, or now you plan to buy a house with a bank loan.

The choice of contract or buying a home will obviously have an impact long term. That is, if you buy a house, one of your financial goals will be achieved. However, on the other hand, you also will bear the debt of mortgage loans are also long term.

So, which one is better? It’s simple. If you keep a rented house, you do not have debt, but also do not have a home. While on the other hand, some income will be eroded to pay a rental fee or contract houses. As for if you buy a house, you need not pay rent anymore, but your expenses will be allocated to pay the loan installments. Expenditure on the one hand with assets on the other side. Clearly this is a better choice.

 Wise Financial Decision Making Tips. Every person must have to make financial decisions, even since the person began to recognize the money. A child who is given pocket money, for example, was given the freedom to buy foods that are preferred or for savings. Thus, financial decisions are not related to age. What matters is whether it is the right financial decisions, wise, and beneficial or not to the breakers.

There are still many people who make financial decisions not based on rational considerations, but rather is driven by emotional impulses or just sheer. There is also a financial decision that does not come from ourselves, but because of the encouragement the environment, whether it be family or friends. Is that wrong? It is not always wrong. Provided the decision is in line with rationality. But in practice, financial decision solely based on emotional usually end up with regrets.

Financial goals
There are several factors that should be considered before making a decision. First, the decision must be part of an effort to achieve financial goals. The most simple, for example, the decision to eat at the restaurant. Eating is part of the consumptive needs. In financial planning, of course there is the allocation of how much of your income to meet consumer needs. Well, when you decide to eat at a fancy restaurant, it must be ensured that these measures do not undermine the budget allocations that have been prepared.

Indeed, eating in a fancy restaurant might be trivial. For some people, the numbers do not amount to much. However, if it is done repeatedly, without any budgetary allocation, in turn, will inevitably disrupt the overall financial condition. Moreover, if such behavior is performed using a credit card. The number of new spending will be known when the credit card bill arrives.

More extreme example is when “hungry eyes” to have branded goods. Say you’re a walk to the mall with friends. Then stopped at a boutique that is conducting the sales promotion or sale. Most likely you will be tempted to buy. Especially if his promotion to 50 percent.

There’s another royal wedding going down this weekend, but don’t expect some big, exciting, over-the-top affair. *Sniff* Zara Phillips, the daughter of Princess Anne, is marrying her love Mike Tindall, a professional rugby player. Zara isn’t really royal – her mother may be a princess, but Anne married a commoner who didn’t want to take a title, and Anne raised her children as “commoners”. However, it’s said that Zara has always been one of the Queen’s favorites amongst her grandchildren. Zara is horsey and athletic and tough, just like her mom. As for Mike… well, he’s got the bent nose, and he comes from a “working class” background, but he seems to have just a pure love for Zara that really comes through in photos and interviews. They’re kind of adorable together! CB loves them too, by the way. All of a sudden, Zara is one of our favorite people. Anyway, HuffPo summarizes some of the details about the wedding, which is going down tomorrow in Scotland:

• Although she counts Princess Anne as her mother, Zara Phillips and her fiance Mike Tindall are famously as far from the royal mindset as they come. As Zara’s future mother-in-law Linda Tindall told the Daily Mail, “Many-a-time Mike has said if she worked at Tesco [supermarket] at the checkout it would not matter, it’s about her and the sort of person she is.”
• But while Phillips has been accepted into the Tindall clan with ease, acclimating Tindall to his new royal relatives has been harder. The Telegraph reports that Princess Anne suggested he have corrective surgery on his nose, which is slightly misshapen from repeated sports injuries. “She’s a bit worried about how the wedding photos might turn out,” the Telegraph revealed.
• She needn’t worry too much, as the photos will most likely not be seen by the general public: as previously noted, Buckingham Palace thwarted Phillips’ plans to sell wedding day photos to tabloid magazine Hello! for over $800,000.
• Instead, Phillips and Tindall’s nuptials this Saturday will be private, more of “a family thing” than a royal event, says the BBC.
• Owing to Zara’s non-royal status (while her mother has a royal title, she and her brother Peter do not), the wedding is being independently funded, with even the royal reception venue, Holyroodhouse in Scotland, being paid for out of pocket by Zara’s grandmother, Queen Elizabeth II.

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Increased mortgage

Many people opt for a short fixed interest period at the end of a mortgage. But after this short period the interest rate sharply higher.

A mortgage

At the closing of a mortgage, the monthly costs for most people prevail. This explains the success of interest-only mortgage and investment mortgage. The mortgage is tax deductible so that during the repayment term has become less common. You can better your money in a savings account then use to redeem.

Short fixed rate period

In times of low interest rates, you can close a mortgage with a fixed interest rate period of five years at a rate below 5%. For longer periods you have a higher percentage of mortgage payments. However, in many cases safer to opt for a longer period, because interest rates in a short period can significantly increase. Most people buy a house for shelter based on the maximum they can spend. This has the disadvantage that a sharp rise in mortgage rates in the next period may not be able to bear (assuming a similar income as five years ago).

Long periods of rate fixation

Close your mortgage in a period of high interest rates, you may consider it not for such a long period of twenty years to fix. In the early eighties we had in the Netherlands with mortgage rates above 10%. Did you this time bought a house with a long fixed-interest would you have in times of low interest rates to higher interest stuck.