FYI
Bagi temen-temen terutama yang dirumah dan dikantor banyak menghabiskan waktunya di depan computer dan on line internet, sudah saatnya kita mulai memikirkan bagaimana bias mengambil peluang/kesempatan yang ada dalam menambah pundit-pundi keuangan kita (apalagi sekarang sedang krisis keuangan global, maka perlu kiranya bagi kita untuk dapat menangkap peluang sekecil apapun).
Caranya sangat mudah :
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Tahap kedua anda isi register atau join.
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Tahap keempat : klik earning area, kemudian klik di kolom paid to klik
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Tahap enam : jika anda ingin memberikan referral kepada teman anda cukup masuk ke : my account, kemudian klik : your downline, disitu terdapat alamat referral anda untuk dapat menjadi trigger informasi yang anda berikan kepada teman teman anda.
1dollarptc akan ditransfer kepada kita, setelah 5000 US Dollar, well semoga bermanfaat informasi yang saya berikan, semoga bermanfaat
Showing posts with label making money. Show all posts
Showing posts with label making money. Show all posts
Thursday, January 15, 2009
Thursday, December 11, 2008
Dana Alokasi Umum (General Allocation Grant)
Description
General Alocation Grant (GAG) is a one of central government transfer to local government which source from APBN. GAG alocated to reduce horizontal imbalance and donate for local necessities.
GAG is a block grant alocation. It means, local government can use GAG for donate project base on priority and improve public service for implementing local government autonomy
Base Legal
Law number 33 year 2004 “Perimbangan Keuangan antara Pemerintah Pusat dan Pemerintahan Daerah” and Government Regulation number 55 year 2005 “Dana Perimbangan”
GAG Alocation
GAG alocated to local government (province, municiple, and city)
GAG budget state minimal 26% of PDN Netto on APBN.
Proportion of GAG for province and municipal/city base on quantity of autority
Phase of GAG Formulation
1. Academic Phase
The first, Independent team from some chosen university gives input concerning calculation of GAG and concept to arrange implementation of GAG policy base on Law number 33 year 2004 and consider to characteristic autonomy in Indonesia
2. Administrative Phase
Ministry of Finance arrange coordination and verification row data for GAG formalation with BPS, Minister of Home Affair, Bakosurtanal, Ministry of Civil Servant and BKN.
3. Political Phase
Government make simulation and calculation formula of GAG, base on GAG basic data cross check. Government with DPR-RI discusses and chose the best simulation of GAG formula
4. Allocation Phase
Final result of agreement of GAG calculation between DPR (Panitia Kerja Transfer ke Daerah) and government (Ministry of Finance as a leader team) is specified with President Regulation
GAG Formulation
GAG, allocated based on fiscal gap principle which represents difference between region fiscal need to region fiscal capacities and basic alocation which represent salary of local civil servant.
GAG = Basic Allocation + Fiscal Gap
Basic Allocation = Salary of Local Civil Servant
Fiscal Gap = Fiscal Capasity – Fiscal Needs
GAG Variable :
Fiscal Needs Variabel :
1. Population
2. Area
3. Human Development Index
4. Construction Index
5. Domestic Regional Product
Fiscal Capasity Variabel :
1. Own Resources
2. Revenue Sharring Fund (Tax and Natural Resourcees)
GAG Calculation Methode
Total wage of Civil Servant count for a year base on salary realization report on previous year (t-1). Salary realization include basic salary and allowance stipulated in the applicable salary regulation
Fiscal Gap
Fiscal Gap of each local government : Fiscal Needs minus by Fiscal Capasity.
Fiscal Gap Allocation of each local government derives from percentage of Fiscal Gap of each local government (Fiscal Gap of each local government devide total Fiscal Gap national) multiplication with Fiscal Gap National allocation.
Fiscal Needs
KbF = TBR (á1IP +á2 IW + á3 IPM +á4 IKK +á5 IPDRB/kap)
Exp:
TBR= Total Average of Local Government Expenditure
IP = Population
IW = Area
IPM = Human Development Index
IKK = Construction Index
PDRB = Domestic Regional Product
.á = constanta index
Fiscal Capasity
KpF = PAD + DBH Pajak + DBH SDA
Exp:
PAD = Own Resourcees
DBH Pajak = Tax Revenue Sharring
DBH SDA = Natural Revenue Sharring
Monday, January 7, 2008
Iraqi Dinar, What a Wonderfull Investment
Can you imagine on 2 years investment at least, our investment will grow up until 500 times. No wonder everybody will rush to invest on this basket. Some people don't believe with this issues but others who love take a high risk will try to find this investment, they believe high risk is a tight relationship with a high return or profit.
If you want to take a risk for getting a giant refund, you can buy a Iraqi Dinar . Why do we have to buy a Iraqi Dinar ? Well, a Iraqi Dinar is a legal money on iraq state now. After the US invation, Iraq Dinar going to down to the lowest point. As a record, before Gulf Crisist, 1 Iraq Dinar is equivalent with USD 3.3. On 2006 is the lowest point of Iraq Dinar, it change that USD 1 is equivalent with Iraq Dinar 1532. Today Iraq government is going to be stable and Iraq Dinar going to step enclose with the equilibrium position on curency, as the last record USD 1 is equivalent with Iraq Dinar 1234, the government believe that on 2 years next the Iraq Dinar will be louch on the position USD 1 = Iraq Dinar 1.
If we want take a high value investment, you should take as many as Iraq Dinar for your investment, on the black market, Iraq Dinar sell on many package: Iraq Dinar 25.000, Iraq Dinar 45.000, Iraq Dinar 70.000 and Iraq Dinar 100.000. on December Iraq Dinar 25.000 sell on Rp.600.000,- and this position will be change depend on internal stabilize on iraq and value of oil (we know that iraq is top 2 of oil producer in the world). the analyst predict on next month Iraq Dinar will increase sharply
If you want to take a risk for getting a giant refund, you can buy a Iraqi Dinar . Why do we have to buy a Iraqi Dinar ? Well, a Iraqi Dinar is a legal money on iraq state now. After the US invation, Iraq Dinar going to down to the lowest point. As a record, before Gulf Crisist, 1 Iraq Dinar is equivalent with USD 3.3. On 2006 is the lowest point of Iraq Dinar, it change that USD 1 is equivalent with Iraq Dinar 1532. Today Iraq government is going to be stable and Iraq Dinar going to step enclose with the equilibrium position on curency, as the last record USD 1 is equivalent with Iraq Dinar 1234, the government believe that on 2 years next the Iraq Dinar will be louch on the position USD 1 = Iraq Dinar 1.
If we want take a high value investment, you should take as many as Iraq Dinar for your investment, on the black market, Iraq Dinar sell on many package: Iraq Dinar 25.000, Iraq Dinar 45.000, Iraq Dinar 70.000 and Iraq Dinar 100.000. on December Iraq Dinar 25.000 sell on Rp.600.000,- and this position will be change depend on internal stabilize on iraq and value of oil (we know that iraq is top 2 of oil producer in the world). the analyst predict on next month Iraq Dinar will increase sharply
Sunday, November 4, 2007
Step For Making Money on Reksadana Mutual Fund Investment
I believe most of us in Indonesia know about Reksadana Mutual Fund. As far as I concern we get this world when we are studying on faculty or in academy. Unfortunelly, most of us do not know the advantage of spending money on Reksadana Mutual Fund, or maybe many of us do not know how to invest on Reksadana Mutual Fund.
Well, today I will try to share my experience about how to spend money on Reksadana Mutual Fund and gaining a high profit from this invest. At first, you can search on google, yahoo, or any search engine find Reksadana Mutual Fund. And than, you can pick on one of Asset Management Factory Website that establish some Reksadana Mutual Fund instrument.
For example, base on my experiences I surf on www.reksadana-manulife.com. On many Asset Management Factory we can get a lot of instruction how to spend a money by buying some Reksadana Mutual Fund. Normally, on the first skin of this web, we can learn about what is Reksadana Mutual Fund ?. at the second skin, it usually describe about many items of product investment that are offer to us.
Investment item product usually define on 4 category : Reksadana Balanced Fund, Reksadana Equity Fund, Reksadana Money Market Fund and Reksadana Bond Fund. Don’t worry, Reksadana Mutual Fund is different with playing index on equity exchange and currency. We are going to be investor by buying Reksadana Mutual Fund and our money will spending by Investment Manager on every fiscal instrument for gaining some profit. If the Investment Manager win a profit we will get a sharring, but if the investment manager loose, we will get a loose sharing too.
A high return will follows by a high risk and a low return will follows by a low risk too. If you want get a high profit you have to prepare for a high risk, you can buy a Reksadana Equity Fund. On the Reksadana Equity Fund, Investment Manager spend our money by buying some blue chip equity. But if you want play save you can take a Reksadana Bond Fund. Investment Manager spend money from Reksadana Fixed Profit Investment on the portofolio, obligation, and right issues.
How much money we can offer on Reksadana Mutual Fund ? It could be one of the important question between us who want to enter on this investment. The answer is unbelieveable. Minimum share for buying any Reksadana Mutual Fund only Rp100.000,- or +/- USD12.
Return/Profit that we will get is on variative scale, if we put our spending on Reksadana Equity Fund, we can reach profit on arrange 40% untill 100% per annual but don’t forget with the high risk. Reksadana Bond Fund can offer profit on arrange 10% untill 25% per annual. On Reksadana Money Market Fund, I suggest not to take it because it offer profit less than 10% and the last Reksadana Balanced Fund usually offer profit from 25% untul 50% per annual.
You should have a tactic for buying a Reksadana Mutual Fund, I usually buy a Reksadana, when the NAV going down. Oh ya I almost forget, on Reksadana Mutual Fund Instrument, we will learn about NAV (Nominal Added Value). The NAV is a price of one unit Reksadana Investment. For Example, I spend Rp2000.000,- for Reksadana Equity Fund (1 unit = Rp.1342,25), on the confirmation statement write down “I buy Reksadana Equity Investement Rp2.000.000,- or in subscription (unit) 1490.03539.
We usually suggested by Asset Management Factory officer fill in the subscription form and than transfer our money to the Asset Management Factory account on Custodian Bank. Custodian Bank is Bank that selected by Asset Management Factory to help make account for place of fund from investors. On Reksadana Mutual Fund mostly do not take a fee for our transaction, just a several give a fee +/- 1,25% from our buying the Fund. I suggest buy Reksadana Mutual Fund that does not take a salles fees.
The Last, how to take a profit or how to sell it again ? well, Reksadana Mutual Fund is a kind of liquid investment, we can sell in any time to Asset Management Factory. The Asset Management Factory have to buy our Reksadana Mutual Fund. They ussually take redemption fee +/- 1.25% from our first spending. But if we have Reksadana Mutual Fund more than 1 year long, we do not have to pay redemption fee. The Asset Management Factory will transfer our money on our account for 4 – 5 days next.
Ok back to the path, after we know the adventage for Reksadana Mutual Fund clearly, why don’t we try this investment model, I hope all of you can reach a high profit from your investment, but remember a high return always follows by a high risk, so invest it by carefully.
Well, today I will try to share my experience about how to spend money on Reksadana Mutual Fund and gaining a high profit from this invest. At first, you can search on google, yahoo, or any search engine find Reksadana Mutual Fund. And than, you can pick on one of Asset Management Factory Website that establish some Reksadana Mutual Fund instrument.
For example, base on my experiences I surf on www.reksadana-manulife.com. On many Asset Management Factory we can get a lot of instruction how to spend a money by buying some Reksadana Mutual Fund. Normally, on the first skin of this web, we can learn about what is Reksadana Mutual Fund ?. at the second skin, it usually describe about many items of product investment that are offer to us.
Investment item product usually define on 4 category : Reksadana Balanced Fund, Reksadana Equity Fund, Reksadana Money Market Fund and Reksadana Bond Fund. Don’t worry, Reksadana Mutual Fund is different with playing index on equity exchange and currency. We are going to be investor by buying Reksadana Mutual Fund and our money will spending by Investment Manager on every fiscal instrument for gaining some profit. If the Investment Manager win a profit we will get a sharring, but if the investment manager loose, we will get a loose sharing too.
A high return will follows by a high risk and a low return will follows by a low risk too. If you want get a high profit you have to prepare for a high risk, you can buy a Reksadana Equity Fund. On the Reksadana Equity Fund, Investment Manager spend our money by buying some blue chip equity. But if you want play save you can take a Reksadana Bond Fund. Investment Manager spend money from Reksadana Fixed Profit Investment on the portofolio, obligation, and right issues.
How much money we can offer on Reksadana Mutual Fund ? It could be one of the important question between us who want to enter on this investment. The answer is unbelieveable. Minimum share for buying any Reksadana Mutual Fund only Rp100.000,- or +/- USD12.
Return/Profit that we will get is on variative scale, if we put our spending on Reksadana Equity Fund, we can reach profit on arrange 40% untill 100% per annual but don’t forget with the high risk. Reksadana Bond Fund can offer profit on arrange 10% untill 25% per annual. On Reksadana Money Market Fund, I suggest not to take it because it offer profit less than 10% and the last Reksadana Balanced Fund usually offer profit from 25% untul 50% per annual.
You should have a tactic for buying a Reksadana Mutual Fund, I usually buy a Reksadana, when the NAV going down. Oh ya I almost forget, on Reksadana Mutual Fund Instrument, we will learn about NAV (Nominal Added Value). The NAV is a price of one unit Reksadana Investment. For Example, I spend Rp2000.000,- for Reksadana Equity Fund (1 unit = Rp.1342,25), on the confirmation statement write down “I buy Reksadana Equity Investement Rp2.000.000,- or in subscription (unit) 1490.03539.
We usually suggested by Asset Management Factory officer fill in the subscription form and than transfer our money to the Asset Management Factory account on Custodian Bank. Custodian Bank is Bank that selected by Asset Management Factory to help make account for place of fund from investors. On Reksadana Mutual Fund mostly do not take a fee for our transaction, just a several give a fee +/- 1,25% from our buying the Fund. I suggest buy Reksadana Mutual Fund that does not take a salles fees.
The Last, how to take a profit or how to sell it again ? well, Reksadana Mutual Fund is a kind of liquid investment, we can sell in any time to Asset Management Factory. The Asset Management Factory have to buy our Reksadana Mutual Fund. They ussually take redemption fee +/- 1.25% from our first spending. But if we have Reksadana Mutual Fund more than 1 year long, we do not have to pay redemption fee. The Asset Management Factory will transfer our money on our account for 4 – 5 days next.
Ok back to the path, after we know the adventage for Reksadana Mutual Fund clearly, why don’t we try this investment model, I hope all of you can reach a high profit from your investment, but remember a high return always follows by a high risk, so invest it by carefully.
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