Real estate is one form of assets. Embodiment of real estate is not just a luxury residential property, because the real estate is the right to own land and take whatever was inside. As one of the assets, real estate has grown along with the emergence of various technologies and information that occurs worldwide.

The term ‘Real Estate’ is itself derived from the term “tenure”, which appeared in England in the reign of the kings and the English nobility of the land surrounding people, and then better known by the term ‘real estate’ on the U.S. mainland.

Development of the real estate sector, in recent days showed positive signs. Nadir property crash that occurred in Indonesia has ended. Indonesia property sector has bounced back, after so long mired in economic conditions of nations in crisis since 1997 ago. Along with the rising expectations of improvement of the new government, we can see some of the ‘big players’ have done a good early start, especially investors who invest in real estate.

What we can observe from the above statement? Change strategies, especially in the field of investment. As a vocabulary, strategy is defined as actions to anticipate a problem, which is prepared with plans and objectives of a mature, to obtain the expected results and more than just a strategy.

We will not talk about the examples in the field of strategic real estate investments, because the strategy, as a science of war, will always be changed to adjust the battlefield that it faces, adjusting the circumstances that exist somewhere. We will embark on a journey, which will lead to the purpose of why we need to invest in real estate.

Many wonder if this is true and possible for a politician who can turn around the economy and looking for help with credit card debt. Imagine all the people to vote in this recession, according to their plan and they will tell you to use! It is true, and then what they know about the central bank and began to talk nonsense. Problem of lack of work caused by the central bank and will not be processed by the government for politicians to understand the problem.

These are things that are not in school and university, but fortunately there are many good people who show an impartial history of the banking industry.

To help their fellow citizens, there is only one necessary for the knowledge of candidates for the position to get the right questions. They found that the politicians who are good at deceiving and act stupid, or do not really understand.

Now the people now know the extreme danger to the banking sector, others do not have many privileges. Replace the central bank remains strong and our economy by the government for help.

However, credit card debt is concerned. You are a graduate of the agreement to ensure that you know that paying money out of nothing, and someone to do so should be outside the law to operate on the Central Bank.

Users Online Presentation is mostly in use by companies of national or multinational. Meeting and meetings between the directors can now be done without having to leave their respective offices and of course with the concept of online seminars like this, companies can save costs and time.

In education, Online Presentation can be applied in the School of Distance. A lecturer can give lessons to students from across the sea on campus using communication technologies. Relations and interactive discussions, ask, answer remains accomplished and knowledge sharing keep it running.

Such as Web Base seminar starts from Real Time Text Chat. in 1980 to 90 the majority of internet users use IRC to communicate with friends in other places. then at the end of 1990 the tendency of Internet users switch to the base Web technologies such as Yahoo Messenger Chat. Now with a data communications technology is increasingly excited, the communication can be done via audio and data simultaneously.

Because it is free and want to know how to do it in my presentation online registration form and now have received notification that my registration has been approved.

• Location

In general, living in an apartment is a stranger, such as Japan, Korea, Australia, and others. Workplace location and where they gather to socialize that will affect the location. Examples: penthouse apartment

Location near the center as more attractive as Villa Similarly, with access in and out of and into the environment greatly affect the residents of the apartment for longer stay there. Every nation has a budget for the cost of her rent.

Facilities are available, both in type and size. Facilities that more attention is the sports facilities, such as how many indoor or outdoor tennis courts are available, restaurants and cafes, Olympic-sized pool or a half

Olympic, club house facilities, the number of resident and guest parking, parks, number and brand lift, and affect the availability of the elevator waiting time on the road up or down. Please note the brand lift, elevator usage time, and the damage will be experienced.

• Area of ​​Room

Better to buy the apartment units that have two or three bedrooms for rent at most foreigners bring their families. The floor is an option on the eighth floor because the noise from outside and the mosquitoes reduced. Studio or one bedroom is usually less demand because it can compete with hotel rooms that cost relatively the same, but better service.

Management or property management of apartment’s seller greatly affects the services provided to residents and guests. Apartment management can also use the services of a hotel manager, such as Mercury, Aston, and others. Management affect the lifespan of the equipment used, the quality of cleanliness, safety, and comfort while staying in an apartment.

• Funding is needed.

In addition to buying apartment units / selling apartments, also provides funding to fill the interior space, which suits the tastes of its inhabitants. It should also be asked to the developers, the type of interior is provided by the developer, such as wardrobe, kitchen sets, stoves, air conditioners, and others who do not need to spend more capital. To fully provide apartment rental units, tenants only carry luggage only.

• Buying apartment units for rent

Select a location favored by foreign workers. Usually, foreign workers prefer to congregate with fellow countrymen in the same apartment. Example: Japanese Koreans in general, and in Europe and America more.

1. The balance between how you look and how to manage / organize your finances.

Perhaps we often meet with people who are so clever at all in terms of making money. The person has a very good business sense, creative, and what he does always make money. Or just like the experience of my friends who are very industrious and enterprising in the office and get a good salary but can not manage finances. people like this is the kind of smart people looking for money, but very weak in terms of management or vice versa, there are very smart people to manage, but less intelligent looking for money, so that his life was so-so only. Ideally will be looking for smart people are too smart to manage cash and finance

2. Balanced when it should keep and when to use.

The easier it is to get a credit card facility, we make it easy to swipe here to get or enjoy all the things we want. This type of person like this is the type that is too generous and very wasteful such people often get stuck with debt, particularly through credit card debt that can be done easily. People like not knowing when to save and when to use. Conversely there are also people who are too stingy, so as to things that are really needed, he should think a thousand times before deciding.

3. Balance between the current time to invest your money and enjoy your money.

Recently I had the confidence to occupy a certain position in world capital markets, and I saw a very surprising that I experienced recently. Most people invest their money for investment purposes either through securities (securities), bonds, indexes, futures and various other investment instruments. And they are fully ready to invest big money to achieve the highest profits. But what happens, attitude takes a shortcut to get rich this way brings failure. As a result they are losing money with no chance to enjoy hard-earned money to find.

By knowing the three principles in regulating the financial balance, you can personally Man with No Limits in managing your finances. And financial management that can provide a balance in your life

In preopening trading, Composite Stock Price Index edged up 2.099 points (0.05%) to the level of 3943.792. Open trade, Composite Stock Price Index increased 4.32 points (0.16%) to the level of 3946.013. LQ 45 Index edged up 1.421 points (0.21%) to a level of 693.578. Reinforcement Composite Stock Price Index running slowly. Composite Stock Price Index was down with the lowest point at 3936.809.

Kicked the session II, the movement of the Composite Stock Price Index continues to fluctuate. The improving inflation data do not sufficiently encourage a significant strengthening of JCI. The new JCI can ride a big enough towards the end of trading.

In trading Wednesday (02/01/2012), Composite Stock Price Index rose 23.283 points (0.59%) to the level of 3964.976. LQ 45 Index also rose 2.862 points (0.42%) to a level of 695.019.

Trade runs quite busy with a frequency of 139 188 times on transaction volume reached 4.662 billion shares worth 4.644 trillion. A total of 156 stocks rose, 72 fell and 83 shares of stock to stagnate.

Stocks are raising prices, among others, United Tractor rose 700 to 29,050, up 200 to 7050, the Bank 50 to 6750, cigarette factory 1100 rose to 58,100.

While the stocks that go down the price include Astra International dropped to 77 700 1200, Telkom fell 100 to 6750, PGN fell 50 to 3325, Agro fell 250 to 20,350.

Regional bourses quite varied. Here the position of regional exchanges:

Shanghai Composite Index fell 24.53 points (1.07%) to a level of 2268.08.

Hang Seng Index rose 57.12 points lower (0.28%) to as low as 20333.37.

Nikkei-225 index rose 7.28 points (0.08%) to a level of 8809.79.

Thin KOSPI index rose 3.45 points (0.18%) to a level of 1959.24.

Your money does not come by itself, but requires a major effort in your work to be able to collect money (using the consultation / accountant). No one if you collect your money with your own efforts; is wrong is when you make all the money.

2. Problem

You should be able to manage your money for the things that particularly. Often spend more than the income you receive (for it is in dire need of financial management is needed is a consulting / public accountant). This is very unhealthy. You must use the services of accountants (eg, public accountant, financial accountant)

3. Store

Often for storing / saving is difficult. But you should begin to familiarize yourself to save money, because it includes one of the keys so you can manage your money well. Tubes 10% of your income for future needs

4. Invest

If you have enough savings, then you can invest your money. For this investment, first consult with an investment expert / accountant as a public accountant and financial accountant about that you will encounter when you invest your money. An investment that needs to be done is to invest in land or a house, because this is one of our needs that the price will continue to increase.

5. Provide

The last key in regulating the money you are giving! Perhaps you will think whether to give money included in the set? I said yes! Why? Because when you give to people in need, then you’re investing your money for their future.

But when we ask how a reasonable sum assured? Explanation to this point they are generally not as good as the previous explanation, generally they are still able to ask the amount of premiums paid annually prospective customers. Well to avoid this condition is useful to discuss some of the methods commonly used by a financial planning anywhere in the world, but before those us as a candidate for life insurance policyholders should now have:

1. Economic value that is a result of the income year in which the value we averaged in each month, or for an employee is the amount of net take home salary home. For our purposes, we focus only on the economic value rather than simply whether or not the salary.

2. The presence individuals other than our own highly dependent on economic value, such as wife, husband, son, brother, sister or parent who has retired.

3. Funds other parties concerned in the business activities, such as personal loans outside the bank debt or other financing institution that has no life insurance. So when we plan to conduct a credit loan from the bank or financial institution then we must ask whether there is life insurance.

So not worth it if we buy life insurance with the following requirements:

1. Lack of economic value

2. without other people who depend on us

3. Hooks absence of loan debt

How to calculate the optimal rise, here is the explanation most frequently used method

1.Metoda Human Life Value, this method of calculation of the absolute increase calculated based on the average income every month in a year and multiplied by the expected duration of the fund sustain life until the beneficiary is able to obtain their own income. This method does not need to consider funding the growth factor if the increase is kept in a bank or other investment institutions.

2. Metoda Income Based Value, this method is the calculation the increase calculated based on the average revenue every month in the round in a year and then divided by a factor of growth of funds for such increases must be deposited in investment institutions

3. Metoda Financial Needs Based Value, this method is more specific to protect the future financial needs egg education funding. In practice, to avoid paying a huge premium then this method can not stand alone but must be combined with a constant monthly investment (annuity) on an investment instrument that has an average return on deposits. It should be noted this method is different from the two previous methods, but this does not protect income in the future financial needs.