WEBODIGY Business & Finance Journal

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!

PT Adira Dinamika Industries Tbk (Adira Finance) to target a new financing (booking) next year through the Rp20 trillion, up compared with the target of Rp13 trillion this year.

Chief Operating Officer of Adira Finance Djuhandi Erina says the composition of the target is divided into 70% for motorcycle financing and car financing and the remainder of the lease (leasing).

“We’re targeting the booking can be increased to Rp20 trillion from financial position this year,” he told Bisnis.com, recently.

Adira Finance Projection previous booking Rp12 trillion later revised to more than Rp13 trillion. Achievement given that confidence in the quarter III/2009 bookings already reached Rp 10 trillion with the largest contribution of new motorcycle loans.

However, along with improving financing this year, the realization that credit is expected to reach Rp16 billion.

Previously, he expressed the company also plans to diversify its business segments financing heavy equipment leasing (leasing) for a maximum of 10% in line with the trend of increasing commodity prices.

UK house prices will fall next year as rising unemployment and concerns about demand freeze government fiscal limitations, Hometrack said.

Property values going down 1% after stagnating in 2009, says research group based in London is in a statement today. Prices had risen 0.1% in December from the previous month to the average level of 156,900 pounds (U.S. $ 250,000).

The economic decline has made as many as 600,000 people lost their jobs better, and that number rises as the British bepeluang rose from recession oldest in the record. Prime Minister Gordon Brown and Conservative opposition was seeking some way to prevent the budget deficit reached a record after the general election, scheduled to be held in June.

The deficit for the availability of homes sold will support prices, Hometrack said. Sales volume will increase to around 780,000 in 2010 from 700,000 in 2009.

For this month, as many as four of the 10 regions tracked showed Hometrack price increases, while the remainder showed no change. The increase was driven by the region and South East London, where prices had 0.2% gain. Prices in all areas England and Wales fell 1.9% compared to a year ago.

Other property data indicate the potential chaos ended. Prices had risen 2.7% in November from the level a year ago to an average of 162,764 pounds, says Nationwide Building Society on 1 December. This value is 13% below the highest level in October 2007.

A separate report today showed as many as four out of five retailers expect sales in 2010 will be the same as this year, said the British Retail Consortium. None of said sales would be worse, and the fifth predicted increase.

Greatest risk to the sales come from weak consumer demand and rising unemployment, said the BRC, which refers to a survey of 19 members on 1-10 December.

Philippines central bank gave initial approval of the government’s plan to publish the U.S. dollar-denominated bonds, euro, yen to cover the budget deficit widened.

Sources who know the plan said the monetary authority in principle to allow the government to sell global bonds worth U.S. $ 1.5 billion. In addition, he added, was also given approval for emissions plan bonds denominated in yen for U.S. $ 500 million.

“If permission has come down from the central bank, we can throw into the market anytime,” said Minister of Finance Gary Teves told reporters in Baguio City, south of Manila.

Permission from the central bank is required before the government can determine the investment banks to arrange the sale.

Teves explained the government needs funds to cover the estimated deficit ballooned to more 293 billion pesos (U.S. $ 6.3 billion) in 2010, from about 290 billion pesos last year.

Philippines Bloomberg data shows the U.S. dollar selling bonds every January since 2005.

The government plans to reap U.S. $ 2 billion of bonds overseas next year with the estimated 2010 deficit of 233.4 billion pesos. Along with growing losses, Teves said, interest rates also rose.

Countries in Southeast Asia plans to sell euro-denominated bonds for the first time in 2010. While the yen began in 2001.

The Philippines has a bond that will mature in February valued at 650 million euros (U.S. $ 932.9 million) and U.S. $ 561.5 million maturing in March.

PT BFI Finance Indonesia Tbk commercial vehicle finance up to 90% of the total distribution of consumer finance companies.

It was given the target company to serve targeted financing small and medium enterprises that dominate commercial vehicle. In addition, commercial vehicle financing risks assessed is lower than passenger vehicles.

BFI Finance Indonesia Director Cornelius Henry Kho said that commercial vehicles including minivans and trucks, each for 44% and 20%.

“The majority of our financing commercial vehicles compared with passenger as sedans, pick-ups, and jeeps,” he said on the sidelines Due Diligence Meeting & Public Expose Bonds II 2009 in Jakarta, this afternoon.

He said the current portion of financing other than minibuses by 44% and 20% trucks, sedans share reached 11%, 12% Jeep, pick-up 11%, 1% bike, and others.