WEBODIGY Business & Finance Journal

The future of the United States fiscal spending worrying for health care and assistance, and social networking program costs and interest on government loans increased, while tax revenues fall.

“We are in an area without a map. In the long term, the U.S. fiscal condition of scary,” said James Poterba, President of the National Bureau of Economic Research, in an interview with Bloomberg Radio, in Washington, today.

Poterba also taught economics at the Massachusetts Institute of Technology in Cambridge, Massachusetts. Conditions that caused the country’s voters make the economy as a major concern.

Meanwhile, the government scheduled to enter the state budget bill to Congress this week to be approved or modified. After discussing the budget, U.S. politicians will compete for power in the House and Senate in November.

Based on official government figures, Obama’s budget proposals for 2011 equivalent to 25.1% of the gross domestic product (GDP). Not much different from the budget the administration of President Ronald Reagan in the 1983 fiscal year reached U.S. $ 808 billion, or 23.5% of GDP.

Reagan’s proposed budget with the allocation of almost the same as Obama and also takes place during a recession. Meanwhile, in his message to Congress, Obama said solving the unemployment rate last year reached 10%, becomes an urgent priority.

Finance Minister Sri Mulyani said the need to remove the dependency on the countries of Asia against the dollar. Responding to that, Rajat Nag, ADB Managing Director General said that the issue of regional currencies is something which can be solved in the long run.

“In the short term, there are some other things that can be done,” Nag said in a press briefing on Indonesia, at Surabaya Room, Westin Hotel, Nusa Dua, Bali, Sunday (3/5/2009).

Even so, Nag said, the ADB has several times expressed the need for a regional common currency. According to him, foreign currency such as dollars for it has put pressure on the local currency.

Previously reported, Sri Mulyani said it was time for the Asian region to reduce dependence on the dollar to reduce the pressure on the economy.

While Director of Retail Banking of Bank Mega Kostaman Thayib argues, reliance on the use of the dollar in Asia is still quite large. We have pioneered granted interstate commerce in Asia, especially Southeast Asia, which do not use that currency.

According to him, this time almost all transactions using the dollar currency. In fact, sometimes do not export anything to do with currency Uncle Sam’s country. By using the local currency, according to him, the currency fluctuations will not be too large.

PT Astra Sedaya Finance (ASF) to record net profit increase of 16.95 percent from 2008 to the size of Rp414 billion in 2009.

According to President Djony Director ASF Bunarto Tjondro, with a success net profit growth in 2009 and then, so this year is optimistic his side will again record the growth of better performance.

“We are optimistic that with further improvement in the economy,” he said in a press release to journalists, the Shangri-La Hotel, Jakarta, Wednesday (3/2/2010).

He explained, in 2009 and the company provides financing for 93 thousand units of motor vehicles with a total financing of Rp12 trillion.

“This year we will maintain a commitment to support the automobile industry through financing new and used car through the dealership or showroom,” he explained.

For that, the company will issue bonds XI with fixed interest rate Rp1 trillion. These bonds, he said, consists of Series A through F for the period between from 370 days to 48 months. “All the proceeds will be allocated to working capital financing of motor vehicles,” he said

As many as 30 per cent of participants denied claims that children hinder careers. They said, influenced his career themselves, not by children. (Photo: gettyimages)

HOW ideal age for women to have a baby? Most of the most appropriate age is 25-34 years. Next, consider also the reason she chose to work while still raising children.

The ideal age is obtained from a forbeswoman.com dihelat survey and thebump.com. Approximately 75 percent of participants said that women, aged 25-34 years is the “perfect time” to become a mother. Whereas 42 percent answered, aged 25-29 years is the most ideal time for women having children. The rest, approximately 17 percent of the other participants said, there is no ideal age limit for women to have a child. Followed by a 2210 survey of women in which nearly half are already mothers or had children, while more than 50 percent are women without children.

Based on these survey results also found that women aged 20-30 years tend to have matured in my career and finances, so ready to take new roles. Thus lansir Legal survey from The Sydney Morning Herald, on Wednesday (3/3/2010).

“Women seeking a good balance. The main factor in reaching this new role are age, career and financial security,” said Jenna forbeswoman.com Goudreau from.

Goudreau further stated, one thing to be found through the study is not only the ideal age for a woman become a mother, but being a mom and have a successful career. Although many women planning to become a housewife while maintaining a career, as many as 62 percent of them believe that having children would give a negative impact on his career. However, this is disputed by the participants’ 30 percent. They said, influenced his career for themselves, not because of the child.

Goudreau added that the young woman when a child first, tend to invest-are material and nonmaterial-in their careers. Paid maternity leave and time flexible work hours are common benefits provided by the company where she worked.

As many as 68 percent of the participants’ mothers said they were pleased with the age when having first child first, ie before the age of 35 years. In fact, they hoped to give birth the first time at a younger age.

For most participants are women, the reasons go back to work after childbirth is a financial need. There is also a reasonable follow in the footsteps of their parents who have managed to build a family and career simultaneously

On many occasions we profess to teach children about money is not our priority. Father and mother worked and prepared many things for the future of children. But be aware that Klabers consumerist environment amid the current critical and guarded the child to ’smart money’.

A number of academics and child psychologists warned that childhood is a golden era in the character and instill positive habits that will serve him well later. Often we deliberately show examples of ‘visible’ so that they get the message that we expect.

In a matter of money, too similar. It’s never too early children learn about money, because the children will be better prepared to face the reality of life.

Basically, the concept of money that such children need to known about how money is earned (earnings), how to share (sharing), the habit of saving (saving), shopping behavior (spending), behavior debt (borrowing). Consider, if the child started asking parents to buy an item, then you have a child old enough to understand how currency works.

The following steps can Klabers first understand and then try to apply with the children:

1. Give an example. Your life is seen daily by teaching them a natural shape. If you look wise in financial management at home, surely the children will see and a bit more will follow later. Be an example!

2. Plan to learn. Learning financial management can also be deliberately planned. Discuss with your partner! For example, we can teach older children to have? ~ Personal Finance Record Book ‘kind of money diary that contains detailed income (allowance, and others) and expenditure (heading for the charity, savings, and personal expenses). Be flexible and informal, but closely related to the everyday lives of children and families, and keep your child’s language. This is the challenge for Klabers, dare to accept challenges!

3. Creative learning and fun. Consider ways easily understood by children about financial management, be creative and fun. Use the media to invite children’s interests. Take, for example, teach them to buy a bike with a way to save some pocket money into a piggy bank opaque / special envelope. Get involved in the process, at the end of the period combine to save your savings and your baby. See how happy he was because of your help!

4. Apresiasilah! Child’s attitude is determined by the support of adults in the learning process. Apresiasilah their charity activities. Give praise for his generosity to the charity buy the have-nots. Or gently point out a lack of agreement when they are careless in personal expenses or complacent in savings.

5th. Correction. Strive to provide feedback on what the child has done. Try to have regular conversations about the use of cash advances child discipline. Acknowledge that they love and Klabers explain that this study will be useful for them also when they grow up like you. Have an open attitude to accept and answer questions concerning the necessity of the small share (charity) or the use of savings, for example.

Good luck!