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Sources of investment performance

Investment performance can be described as coming from six sources:

1.      Treasury bill yield. The short term (less than one year, and typically 1–6 months) risk-free rate of interest.

2.      Inflation-indexed government bond yield. The long-term inflation ­risk-free rate of interest. It is unclear whether these inflation indexed bonds need to offer a premium return over Treasury bills, but they probably will.

3.      Conventional Treasury bond yield. The long-term nominal risk-free rate of interest. This rate of interest is subject to the risk of unexpectedly high inflation. It will include a premium over inflation-linked bonds to compensate Read the rest of this entry »

Electronic as a big industry for a big market like never ending business, every time people try to complete their collection or buy as per they need. If we assume every family need an electronic stuff every year so we can calculate the demand of the market around the world. More than hundred billion demand of stuffs! That’s a huge business with huge of profit every year.

Above calculation is one thing for one family and not including accessories for electronic stuff like television table, home theater seating, computer casing, etc. all of supporting electronic stuff become a big magnet for money as well and we can see there are so many people try to jump in this business even with the high risk because they always dream about a huge profit.

There is a country that can be used as holiday destination especially for a couple of lover. This country is popular with its romantic places that visualized in some movies and it’s France. No body could refuse if they get a chance to come to France because it will be a great and beautiful moment in their life. In France you can go to some famous place like Eiffel tower or you can enjoy evening with relax and romantic situation in the cafés. If you already tired after exploring all of boutique in Paris, you can choose a hotel Paris and you will get a great service of international standard. If you take a holiday package in your travel agent, you can get some benefit from assurance vie like lower price and may be additional life insurance during our vacation. So start to plan your vacation right now

Manage finance is not so simple even for some people that is not a big problem. The key for handling our fund are a plan and strong commitment on plan application. If we strong on our plan that could be a good way to reach our goal. There are so many challenges on application and it can detect early base on our habit.

We should make a list containing all of our habits both good habit and bad habit. Write in detail so you can see what should be improved because if not improved you could have a lack on application. This lack or bad application like acne that can disturb our performance even just small piece so to remove it we need acne cream.

Don’t wait until your small bad habit will destruct your plan so remove it as soon as possible and keep on your good habit.

Now is rainy season in my country. Rain falls almost in every day. Like now, this is the time for me to go home from my office, but out there is rain. I try to stay in my office, but rain doesn’t stop. I see my watch, now is 08.00 pm, I decide to go home in rain. I arrive at home and take a bath soon with warm water. Then, I have dinner with my family and joke with them. After finished, they watch the TV and I go to my room. I turn on my PC to check inbox in my e-mail. There is some e-mail from my friends; first I read funny-mail that contains jokes. Then I check e-mail from my old friend, I have not seen with her for 4 years maybe and I’m very surprise get e-mail from her.I read this e-mail carefully, she sent me about auto insurance quotes. It’s very exciting for me because I have planned before to join in insurance for me & my family, especially education insurance for my son and pension insurance for me & my wife. It’s useful to protect me & my family in future from unpredictable condition. Soon I phone to my old sister because she works in insurance company. I discuss with her about insurance. She explains to me the benefit and types of insurance. After discuss for several time, I closed the telephone then reply the e-mail that I want to join in her company insurance. After I reply the e-mail, I turn off my PC and go to sleep.This is 10.00 am, 2 days after I reply that e-mail. I am working in my office while my phone is ringing. This is from my friend that works in insurance company. She has read my reply e-mail and wants to make appointment with me to explain detail information about his insurance. He also tells me that he has sent me application form for his insurance by e-mail. We have deal, this evening we will meet in some place. After close the telephone, I go back to work. 

We know everything is hard for get better life, necessary for life is important but we know expensive to reach that. Many people work with hard for their life and their family; start in the morning as far as they can until close to late night if necessary. Behind of that many people try to get money for their life and use it to trade with some thing else. Auto loan as one of that, it is give money with rule as fold money pay back for fill their life. Although at the moment many people always like to get some loan from bank or other financial agent, it’s look like a trend that made by financial agent to be a trend setter of metropolitan people. In their promotion, people will be seen a prestigious person with their platinum credit card or other low rate loan.

Many financial agent offer auto loan and it’s opened in some places to make easier for customer need. Interest of money for pay back is one of rule; although of that people always try to get it. We can get money for a lot amount and agree with interest pay back for that money in the future or few next months. Begin for a small interest to the big interest is agreed with money we can get it. for example if we want to buy a car but we don’t have enough money, we can ask to bank to give car loan credit and them we will pay monthly to the bank for several months. 

Auto loan also like to look our life for their judgment, their always assign their employee to our home for looking personality of used their money. If we can get the money, there is look like happy and sad but we must to pay our responsible with our life till the end. Go to happiness for our life and good use our necessary. 

Previously every time we go for buy something in many places, we must bring a lot of our money in the wallet as transaction for get something we need. But know everything is different, everything is very simple. Every time we want to do it transaction for our pleasure, we can apply credit card for that and many thing else without bring many of our money in wallet. For Apply that card is so easy and simple but we must have savings our money in the Bank and fill up form for apply, for example Lippo Bank, Bank Central Asia ( BCA ), HSBC,etc.

For apply credit card is easy , in many Shopping Center, Mall, Super Market, Restaurant or many place else, we can use that card for buy something. The method is, we show and give our card to the cashier then cashier will give some form for sign in with us like agreement. If the credit card is failed the cashier will tell to us about our card is can’t to be use for transaction, it is mean our savings is empty or minus.

With apply credit card, is so easy and many thing can be use with credit card. In modern life is important to be simple. In travel to any where we don’t need bring money in our wallet to much, have a certain simple attitude for our secure in every where we like to do. Savings our money now for the future we can reach.