Re-peg atau tidak peg ringgit

BERITA.MENARIK.COM Isnin, 22-sept-2008

Apakah istilah peg ringgit?

Bermaksud nilai ringgit di peg ke nilai mata wang mengikut currency yang lain. Misalnya MYR/USD maka peg kepada USD maka nilainya adalah tetap tidak berubah.

Jika itu berlaku maka nilai mata wang kita adalah selamat dari ancaman kehilangan nilai keterlaluan.

Kerajaan tidak re-peg ringgit pada tahun ini 2008 dan sebelum ini sudah hampir 10 tahun 1997 peg ringgit dilakukan.

Krisis kewangan yang berlaku akibat ekonomi Amerika yang lemah. Selepas kejatuhan Lehman Brothers sebuah badan korporat pelaburan yang besar maka ekonomi turut memberi kesan. Lebih-lebih lagi pada awal tahun 2008 krisis kejatuhan kerugian subprime mortage yang memberikan kesan menyeluruh.

Jadi adalah menjadi tanda tanya mengapa kerajaan tidak re-peg atau peg semula?

Dr Mahathir tetap berpendirian untuk re-peg ringgit seperti dahulu. Perdana menteri dan timbalan perdana menteri tidak membuat keputusan yang serupa.

Bila agaknya kesan akan kita nampak?

Apabila bursa saham kerugian 200 billion dan index yang menjunam adalah satu kejatuhan ekonomi.

Memang benar ekonomi kita jatuh tiada siapa sangkal. Akhirnya kita terpaksa menguatkan ekonomi dengan sektor yang boleh membuat untung.

Lebih-lebih lagi bagi mereka yang tidak berkemampuan pasti akan lebih bekerja keras lagi sebab harga barang naik.

Pasaran kerja mengurang dan banyak syarikat bankrupt. Siapa yang rugi?

Bagaimana mereka cuba melarikan duit kita?

Apabila kita menganggap pasaran kita kukuh maka tidak ada siapa yang dapat memberikan impak yang besar.

Jika mereka semua membaca akhbar dan berita seluruh dunia. Lihat sahaja Malaysia. Alamaknya jika saya ada wang di Malaysia saya takut hendak letak lama. Maka saya terpaksa keluarkan separuh atau labur ditempat lain.

Masalahnya kepercayaan adalah terletak pada politik negara kita sendiri. Mereka yang membuat keputusan menggunakan wang mereka yang benar-benar inginkan keuntungan.

Agaknya dimana kepercayaan pelabur terletak pada dasarnya? Berita? Apa yang berlaku dan sebagainya.

Saya baru lihat index KLSE dan naik 2.92 mata

Index Value: 1,028.62
Trade Time: 5:02AM ET
Change: Up 2.92 (0.28%)
Prev Close: 1,025.70
Open: 1,036.40
Day’s Range: 1,025.04 - 1,040.85
52wk Range: 963.29 - 1,524.69

Memang baik sekarang naik lagi dari hari jumaat lalu. Mungkin kerana fundamental yang kuat membuatkan negara kita selamat.

Adakah penyangak mata wang sudah tiada lagi yang ingin membuat sesuatu bencana?

Mungkin mereka juga takut hendak buat sesuatu sebab kita tidak tahu duit yang mereka laburkan dalam negara kita.

——————
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If you have debt what should you do?

Knowledge about debt is important. No one is born with the knowledge, then you should learn to master it and apply to your life.

http://www.malaysiadownload.com/articles/finance/personal/method-to-pay-debt.html

Peluang cari duit internet atau online

Cari duit ialah lumrah bagi setiap individu. Setiap orang akan bekerja untuk menyara dirinya atau keluarganya. Jika ada peluang untuk mendapat pendapatan sampingan maka anda pasti akan cuba untuk meninjau peluang mendapat habuan di sana.

Pada zaman sekarang komputer dan internet bukan sahaja sebagai tempat mencari maklumat tetapi sebagai media pasaran barangan yang boleh dijual beli secara online tanpa sempadan. Oleh itu, menjadi satu pasar pedagang-pedagang membuat perniagaan. Muncul peniaga-peniaga online yang mula bergerak dalam kawasan teknologi internet.

Tiada siapa mahu ketinggalan dalam memajukan perniagaannya. Oleh itu, satu pelaburan wajar dilakukan. Contohnya membuat web site syarikat, ini dapat memajukan perniagaan mereka bukan sahaja secara offline tetapi secara online.

Tiada siapa tahu membuat semua perkara dan yang termudah dan berkesan ialah mengupah kepakaran tertentu untuk memajukan bisnes anda. Namun, hajat anda tetap akan dapat dilaksanakan sila ambil peluang membuat duit online adalah sesuatu yang perlu. Maka disini anda boleh mula ada web site yang cukup lengkap tanpa membuang masa. Klik di sini maklumat lanjut.

Keywords : cari duit,peluang cari duit,cari duit group,cari duit internet,cari duit halal,cari duit online

Pasaran hari ini. GBP/USD 6 pm Malaysia Global Forex [live here]

http://business-marketings.com/radio/

While having a stash of cash is always necessary, it’s also convenient to be able to reserve rooms and pay for the occasional item using your Mastercard or Visa. Be careful though; some (if not most) credit card companies will charge you a premium for using their card in a foreign country. Mastercard and Visa, for instance, charges a 1% “currency conversion” fee for each foreign purchase. And often times the issuer will tack on additional charges — usually 2% — for the convenience of using their card while traveling. This brings the total charge up to 3% for each purchase. It can add up.

Bankrate.com has a handy chart that shows what sort of additional charges you can expect from major banks. Most end up hitting you with 3% on top of your total purchase price. There are a few banks, however, that go as far as waving all fees, making a foreign purchase the same as a local one. If you’re traveling long term, it might be a good idea to go with one of those banks.

http://www.gadling.com

There are many different personal wealth strategies to choose from. No matter which one you choose, the most important thing is to stick with it. So how do you choose which one is best for you?

There are countless personal wealth strategies available, with new ones being invented everyday. Most people have a terrible wealth strategy, which is basically decreasing their spending and budgeting. You simply can’t budget your way to wealth.

The whole key to becoming wealthy is to increase your income. The best way to increase your income is not to work more for your boss, but to work for your self and start your own business on the side.

A personal wealth strategy could be simple. For example, your plan could be to buy one income producing property per year below the market rate. This a simple one to follow, because each year you could take equity out of your current properties and use it to buy another property. There a lot more details I could go into here, but that is an example of one personal wealth strategy.

Another example could involve piggybacking your strategies. For example in year one, focus on creating money online from websites, then in year two, take that money your earned from websites and use it as a down payment on a rental property.

The options for creating a personal wealth strategy are endless. Start your journey to wealth today. A lot of times the only difference between the wealthy and the poor is that the wealthy simply took action.

http://fiercefinance.blogspot.com/

12 steps to become a millionaire

1. Keep your eyes peeled for better ways to do your job.

2. Don’t be afraid to negotiate.

3. Get your ducks in a row and your numbers on paper.

4. Plot your strategy when it’s time to move on.

Milk your benefits
5. Contribute as much as you can to your 401(k) and other tax-deferred retirement plans.

6. Flex your tax-saving muscle.

7. Review your tax withholding.

8. Stash savings in a Roth IRA if you’re eligible.

Invest like crazy
9. Don’t delay.

10. Invest automatically

11. Watch for fund fees.

12. Keep it simple.

http://articles.moneycentral.msn.com/SavingandDebt
/SaveMoney/12StepsToBecomeAMillionaire.aspx

7 steps to wealth

Paring it all down, we’ve come up with seven steps to becoming wealthy. Remember, wealth is relative, it doesn’t necessarily mean “millionaire.” The goal for many people is financial independence, says Stewart Welch of The Welch Group in Birmingham, Ala.

“That’s the point in time when your cash flow from investments is equal to or greater than your income from work. Look at the statistics: 95 percent of the population never achieves financial independence. For 65 percent of retirees, Social Security is their largest source of retirement income.”

The No. 1 reason people don’t achieve financial independence, says Welch, is they don’t have a written financial plan. So, that is our No. 1 rule for becoming wealthy.

1. Develop a written financial plan

2. Save, save, save

3. Live below your means

4. Lay off the credit

5. Make your money work for you

6. Start your own business

7. Get professional advice

http://www.bankrate.com/brm/news
/investing/20040324a1.asp

Take the thousands of Filipino children who die every year courtesy of the formula milk corporates, backed by US lobbying

George Monbiot
Tuesday June 5, 2007
The Guardian

It is time once again for that touching annual ritual, in which the world’s most powerful people move themselves to tears. At Heiligendamm they will emote with the wretched of the earth. They will beat their breasts and say many worthy and necessary things - about climate change, Africa, poverty, trade - but one word will not leave their lips. Power. Amid the patrician goodwill, there will be no acknowledgement that the power they wield over other nations destroys everything they claim to stand for.

The leaders of the G8 nations present themselves as a force for unmitigated good. Sometimes they fail, but they seek only to make the world a kinder place. Bob Geldof and Bono give oxygen to this deception, speaking of the good works the leaders might perform, or of the good works they have failed to perform - but not mentioning the active harm. They refuse to acknowledge that what the rich nations give with one finger they take with both hands.

http://www.guardian.co.uk/commentisfree/story/0,,2095677,00.html

By Selena Maranjian

Pop quiz! What factors help determine how wealthy you’ll become in life? I initially guessed that education, intelligence, skills, and socioeconomic origin played a role.

Ohio State economics professor Jay Zagorsky suggests different factors: “Staying married, not getting divorced, thinking about savings.” Wow.

Not only did he not list intelligence, he went on to note that “intelligence really isn’t one of the key driving forces. In fact, people at the middle of the smarts spectrum have the fewest money problems.”

What’s going on?
When I read about his findings from a study of 7,500 middle-aged Americans, I was surprised. It seems that the smarter you are, the more you tend to earn. For each IQ point you have above someone else’s IQ, you’ll earn between $200 and $600 more. As an example, he noted that someone with an IQ of 130 stands to make (on average) about $12,000 more per year than someone with an IQ of 100.

That’s a promising start. We who are smarter than the average bear (I’m including myself and you) would reasonably assume, then, that smarter people would end up wealthier. But that was not suggested by the study. Instead, people with higher IQs and incomes tended to spend more, maxing out credit cards and paying bills late. At the end of the day, those with lower IQs often had a greater net worth.

Zagorsky muses that smarter types might justify their spending by assuming (often correctly) that they can always earn more, if they need to. They figure they can afford to take risks. He adds, though, that “they’re not smart enough to save a whole lot more of it than the rest of us.”

Saving and investing strategies
I hope you’ve picked up on the little secret in this story: It’s all about saving. The people who end up better off take their financial situations seriously and plan ahead. They think about how to manage their money effectively, and they save. How do you fare in this department? Do you have an emergency savings fund? (If not, or if you have no short-term savings, learn why you should in our Savings Center.)

You need to go further than that, though, to avoid ending up spending your last years in the rickety and flea-infested Home for Aged Smarty-Pants. You need to be saving and investing in earnest for your retirement.

The bottom line
Here’s my favorite Zagorsky conclusion: “Intelligence is not a factor for explaining wealth. Those with low intelligence should not believe they are handicapped, and those with high intelligence should not believe they have an advantage.”

The next time you’re thinking you’re not smart enough to do well at investing, think again. Think of those Nobel Prize winners who lost a lot running Long Term Capital Management — which also cost their creditors, including Deutsche Bank (NYSE: DB - News), Barclays (NYSE: BCS - News), and Merrill Lynch (NYSE: MER - News), hundreds of millions of dollars. Meanwhile, many simple folks — bus drivers, teachers, and the like — are quietly amassing fortunes by saving and investing.

Longtime Fool contributor Selena Maranjian doesn’t own shares of the companies mentioned in this article. For more about Selena, view her bio and her profile. The Motley Fool is Fools writing for Fools.

http://finance.yahoo.com/