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Dec
28
The Stock Market Will Worst
December 28, 2009 | Tagged crisis, market, shares, unemployment | Leave a Comment
Use the government expenditure to boost the economic, the US stock market does not recover, the increasing the stock is only for moment. A famed investor suggest not to bet in Stock investment. He added the stock will decreasing in the space three or four week.
The expert Muhammad El-Erian say that the economic situation is similar with a kid who eat the candy. Someday the kid will hungry, perhaps. We feel the sweat of sugar but someday diabetic will attack us.
El-Erian also give some terrible data like:
the unemployment will increase to 8 %
US gross domestic product will increase at average two percents.
Dec
12
Small Businesses are not ready to recruit new employee – businessweek.com
December 12, 2009 | Tagged business, company, employee, hired, small business | Leave a Comment
With limited fund, demand and worker, the small businesses are not ready to pay other workers. Even the firing in small business has been decreasing since October this year; the surplus worker will fill the jobs. One of the reasons why small businesses are not ready is the credit crunch. The other factor is decreasing demand or decreasing sales. http://hubpages.com/hub/How-To-Make-a-Go…
Dec
4
What is depreciation?
December 4, 2009 | Tagged depreciation, financial statement, straigt line, sum years digit | Leave a Comment
An used car must be cheaper than new car. Why? Used car meaning people has used it and the condition is not good as new one. The interior, exterior, and machine must be older than the new. The used car is easy to break because it is old. Year to year, the value of the car is decreasing. In accounting, the company record the decreasing value of the asset such as building, furniture, vehicles, and machine every year.
Depreciation is the allocation cost of the asset of property, plant, and equipment over their useful lives (Wild, Subramanyam, and Halsey, 2002: p.234). Depreciation is not cash transaction and it does not influence the cash flow record because the company does not spend or receive any penny. If we want calculate cash flow, we should add depreciation item to net income.
Dec
2
What is Efficient Capital Market
December 2, 2009 | Tagged capital market, efficient capital market, investment | Leave a Comment
Is the market efficient? I do not think so. Market is difficult to explain and there is so many uncertain things in capital market. So many experts learn about the efficient capital.
A capital market is efficient if the information is relevant. According to Fama (1970), there are three information types in capital market such as (i) past price changes (ii) public information and (iii) public and private information.
Nov
29
What is economic Value added
November 29, 2009 | Tagged economic value added, financial statement analysis, investment, share | Leave a Comment
Every investor want high profit in shares investing. They will analyze the fundamental share before investing. Some analyst use Economic Value Added (EVA) to predict the share returns beside EPS and Net Profit.
EVA is a profit measure for shareholder side. The formula is Net Operational After Tax (NOPAT) less with capital of cost of company. EVA could be used as the performance evaluation too and this measurement could predict the return of the stock.
Nov
14
How to Start Business?
November 14, 2009 | Tagged business, personal finance | 1 Comment
Starting a business is a challenging for most people especially people who has no business experience. Most people just imagine about running business and get money from it but they just do in their mind.
They do not want to act because they just imagine to get much money and life comfort. They are never dare to take the risk and start the business.
Nov
12
How live below your mean?
November 12, 2009 | Tagged budget, personal finance | Leave a Comment
My neighbor was a medicine public company officer; meanwhile my father just a public private officer. My neighbor’s child is my classmate and he is clever as mine. Unfortunately, he cannot continue to study at the university; on the other hand, I have passed my graduate.
My friend’s life is not simple as mine and he has a more expensive house and more expensive vehicles. He used to wear expensive shirt, shoes, and bag.
Nov
10
Why we should avoid credit card?
November 10, 2009 | Tagged credit card, fraud, personal finance | Leave a Comment
I hate the bank officer who call my house because the officer ask whether my brother had his paid credit card bill. The officer told me to send his message to my brother.
Next day, I told what officer said to my brother. He was angry because he had paid the bill before the end of the month. He called the officer to confirm the bill but the officer said that my brother’s payment was late because my brother paid through a bank which has no online payment with the credit card. Next month, he paid through the bank as the officer has suggested but he was charge some fee too.
Nov
4
Eight retire mistakes
November 4, 2009 | Tagged personal finance, retire | Leave a Comment
Some people suffers lack of money after years retire. They must be failure to retire or calculate the retire needs. Finally, they will sell the assets to fulfill their needs. Badder, the retiree will sell their house and live at the street.
The employer should avoid the mistake in retiree. There are some mistakes that should be avoided by retire such as:
Nov
2
How to Retire safely
November 2, 2009 | Tagged personal finance, retire | Leave a Comment
A 58 years old man who had 3.6 millions dollars in Malaysia and Singapore shares which amount is 90% of his assets. In 1995 has suffered loss three quarter of his money. When the crisis occurred in 1997, the value of stock was decreasing deeply.
The man could avoid loss if he invest to various investment. Supposedly he invested his money to shares, mutual fund, precious metal, land, etc. When the shares decreased, the man could get return from other investments and he does not need to sell the shares.
