This question very often to me in various opurtunity, Fine by email, question and answer opportunities in a lecture or even a lot of dinar buyers before they start buying – they ask you first of this problem.
All three have the same course as the material is the same. The similarity lies in the benefits of the three forms of gold investment is that it has real value (tangible), valued at physical objects (intrinsic) and and values inherent / innate to it (innate). The third advantage is the value of investments owned by tdak other forms such as stocks, bonds and paper money.
Default value (original value) from the high gold investment – if there is no interference with the interests tanganberbagai own gold value will automatically return to the true value – which is high.
Instead the default value (value) of paper money, stocks, bonds close to zero, because if there is failure of the issuing party to fulfill its obligations, paper money, stocks and securities become worth only firewood.
Well now both gold investment, which we choose? Gold coins, gold bullion or jewelry? Here I provide a comparison that may be objective so that readers can choose their own – For Your decision is not affected by my opinion – as if my opinion of the Dinar because this is what I masyarakatkan.
Pros Dinar:
First, has the nature of your units; easily aggregated and divided. If we had a 100 Dinar – today we would use the 5 dinar live off the 5 dinar and the store is 95 dinars. Second, very liquid to be traded because of the ease of shared and aggregated at the top. Third, a high value because of socialization proselytizing will encourage socialization Dinar Islamic law itself. Zakat for example Nishab determined by Dinar or Dirham – people will be difficult to calculate correctly if the charity does not know this Dinar and Dirham. Fourth, high resale value, follow the development of the international gold prices, but only with reduced administrative costs and the sale of approximately 4% of the market price. So if the dinar over the past year increased 31%, then after the cut the cost of 4% is the result of our investments are still around 27%. Fifth, easily traded among users because there is no constraint model and size.
Dinar Weaknesses:
First, Indonesia is still considered the jewel, sales hit 10% VAT (Exact THE MINISTER OF FINANCE REPUBLIC OF INDONESIA NUMBER 83/KMK.03/2002 be calculated net of output tax and input tax of gold shops will be paid ‘goldsmith’ dinar sellers is 2%). Second, the cost of printing is still relatively high and it ranged between 3% – 5% of the value of goods depends on the number of orders.
Gold bullion Advantages:
1. Not affected by VAT
2. If we buy in units 1 kilogram – not affected by the printing costs.
3. High resale value.
Gold bullion Weaknesses:
1. Not flexible; if we store 1 kg of gold, then we need 10 grams for the purposes of cash – not easy to cut. Means must be sold before the 1 kg, is used partly in cash – partly to buy again in a smaller unit – then there will be loss of cost of sales / adiminstrasi a few times.
2. If we keep a small unit such as unit 1 gram, 5 gram, 10 grams – the printing costs will be high enough.
3. Not easily traded among users because of size constraints. Users who need 100 grams, he would not be interested in buying from other users who have a collection of 10 grams. Users who will sell 100 grams can not be sold to two people who each need 50 grams and so on.
Pros Gold Jewelry:
In addition to investments, can be used for other purposes – is used as jewelry.
Perhaiasn Weaknesses:
1. High production costs
2. Affected VAT
3. Not easily traded among users because of the model and size constraints.
From these comparisons, we can choose their own form of gold investments are most appropriate for us. And Allaah knows best.
Financial Flats For 2010
Finance July 6th, 2009
Soon we had entered the year 2010. Do you already have your financial plan in the year 2010? If not, maybe you should try to answer honestly the following questions are:
Do you monitor each month how much you spend?
Do you pay your credit card in full?
Did you already set aside some funds for retirement?
If you answered ‘No’ to question 3 above, it’s time you unpacked about personal finance and getting ready mengahadapi in 2010 with a new resolution.
Citi in Indonesia said that its financial tips, the first step to managing finances better is to evaluate your current financial position, namely the re-asset records (whatever you have) and how much debt you have. Good way to manage finances is used to create a budget where you can monitor the income and expenditure.
Based on the survey Financial Intelligence (Financial Quotient) from Citi Indonesia, only about 29% of people who follow a monthly budget that they create, while 82% had at this stage of trying to create and follow a budget.
For that, it’s time to tidy up your financial management and once you know the current financial position. You can make plans and financial objectives are SMART. Anything?
S (Specific): Set specific targets, do not just say: “Starting next year I will be more diligent saving.”
Determine how much savings you want, start when you save money and in how long you will get the desired value. Thus, you can also become more disciplined to set aside some funds to be saved per month.
M (Easily measured): Setting measurable objectives can help you monitor whether you are on track to achieve goals. If your goal is to raise funds for the down payment for a new house next year, then determine how much money from your income should be set aside per month. Each month you can measure had reached where your financial position.
A (Will be achieved): Make goals you can accomplish and think long term, but still find the small goals that can help you achieve greater results. Suppose you want to have a USD 15 million in a year, then the small goals you need to accomplish each month is to save a minimum Rp. 1,250,000 in the next 12 months.
R (Realistic): Creating financial goals must be realistic, because if not, you could face a very big failure. For example, you aspire to reach the target 60% rate of return on investment within a year.
T (Goal Real): real goal is the achievement of something that really exists, and can be measured. You will be motivated to set higher goals if you ever reach that goal ever before you decide.
Involve family members in setting financial goals, because they too will support the achievement of these goals. Write down these goals and review from time to time, this will be very helpful in achieving your financial goals.
SBY: Economy Next Year Expected Normal
Economy July 6th, 2009
President Susilo Bambang Yudhoyono said Indonesia has passed a big test in 2008 and 2009 due to the impact the global economy. Thus, the national economy next year is expected to start normally. SBY is also optimistic that Indonesia’s economy will quickly recover and Century Bank funds scandal can be resolved Parliament. The statement was delivered at the opening of trade SBY Indonesia Stock Exchange (IDX), Jakarta, Monday (4 / 1) morning.
BEI last year recorded the second highest growth in Asia. With Composite Stock Price Index rose in 2009 to more than 87 percent, losing only BEI Exchange Shenzen, China.
The opening gala last BEI trade. Moreover Mawarnai Iga singer who brought a song titled Shining sun warms the atmosphere. Shining sun song was created by SBY
Pertamina Extend Pelindo II Land Use
Company Info July 6th, 2009
PT Pertamina (Persero) and PT Pelabuhan Indonesia II (Persero) has extended the Memorandum of Understanding (MoU) for land use Pelindo.
The signing was conducted by the Director of PT Pertamina (Persero) Karen Agustiawan and Director of PT Pelabuhan Indonesia II RJ Lino at the Head Office of PT Pertamina (Persero), Jakarta, Tuesday (5/1/2010).
“As a company equally owned by the state, deservedly among SOEs can be optimized so that cooperation can provide added value to the state in particular and Indonesia in general,” Karen said in a press release quoted detikFinance.
In the cooperation, Pertamina and Pelindo II also agreed to examine more deeply related to development cooperation in the oil refinery Bojanegara Harbor, bunker fuel development in the Tanjung Priok port, cooperation and delays scouting ship, and the planned development of LPG terminals at ports managed by Pelindo II.
“Through cooperation will be realized later, Pertamina hopes to empower and give added value of large assets and complex, particularly those in the idle state, which will also benefit Pelindo II,” explained Karen.
Pertamina is also willing to use more than land reclamation Breakwater north east of Port of Tanjung Priok Pelindo owned, for purposes of the larger society, related to the provision of energy sources and Fuel Gas.
Through the agreement with Pertamina and Pelindo will conduct various studies on the potential of each party within the framework of cooperation covering the implementation of financial studies, technical, commercial, legal and other aspects.
Given a variety of sanctions, the Bank Century Never stop
Bank July 6th, 2009
Bank Indonesia (BI) have repeatedly claimed to provide sanctions and penalties to the 3 banks Banks Century forerunner of CIC Bank, Bank Pikko, and Bank Danpac. But all three until the merger is still not cured.
Former Director of Banking Supervision BI Patience I Tarihoran Anton said, the sanctions had been given BI. From start to fire the bank manager to the bank’s capital increase.
“The bank had already given sanction, one of the CIC in a special supervision. Then we give out more sanctions, added capital to Rp 750 billion. That’s the problem in the letters are fictitious value of many,” he said in a meeting with the Special Committee in the House of Representatives Century, Senayan, Jakarta, Tuesday (5/1/2010).
On the occasion, Anton said all officials at the time of BI must be responsible for bank mergers that 3 gave birth Century Bank. “We’ve done a lot of things, the management of Bank Pikko we spend, there are 4 administrators. In the CIC bank managers who were fired there,” he said.
Anton according to the results of the audit Audit Agency (BPK) into the party accused of manipulation in expediting the process of bank mergers over the 3 to Century Bank. But according to all parties in the BI must be responsible.
“I’m not defending anyone. We’ve been working on the maximum supervision, and after the merger is proven to increase the bank’s assets of Rp 7 trillion to Rp 15 trillion, and there are investors who are interested. But not so because of the crisis. But the point is that I do not support to anyone, “he concluded.
