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12 Gambar Ini Tunjuk Betapa Berdisplinnya Budaya Orang Jepun

12 Gambar Ini Tunjuk Betapa Berdisplinnya Budaya Orang Jepun
















Baca Juga : 

How to Start a Small Business in 10 Steps




If you’ve decided to invest your money instead of spending it, you’re already ahead of the game. Investing is better than saving, by definition, because you expect the amount of your money to increase. Still, it can be challenging to get started because there are so many choices available to you. You also need to determine the element of risk you can live with (the higher the potential return, the higher the risk that you will lose some or all of your investment) and how active you want to be in managing your portfolio.

Various financial markets and investment vehicles offer a tempting menu for the active investor who enjoys doing his or her own research and decision making. Or you can pay someone else to make the decisions for you, but this will lower your potential rewards while retaining at least some of the risk.

Let's suppose you have exactly $1,000 and want to make an investment in the financial markets. Determining how to invest your money is an important and, as discussed, often times confusing decision. What do you do? Should you invest $1,000 in stocks, futures, options or a combination?

So, what’s the best way to invest $1,000 today? With so many ways to invest these days, it can be difficult knowing which is the right course of action for you and your hard-earned money. Here, we'll look at 10 options for how to invest your money.

1. Buy Hedge Funds

Hedge fund managers try to outsmart the markets in order to justify high management fees. Unfortunately, they’ve been generally unsuccessful in recent years. Warren Buffett made a well-publicized bet as to which would appreciate faster over 10 years—a basket of mutual funds or an index fund that just tracks the market—and the index fund won.


Note: to buy hedge funds directly you need to be an “accredited investor” with a high net worth. Requirements for hedged mutual funds are much less stringent. But just because you can buy them doesn’t mean you should.

2. Give your money to a paid advisor or full-commission broker

An advisor will charge you a fee, or a commission, sometimes both, to manage your cash. And they may make investments that are in their best interests, instead of yours, because they pay high commissions or are promoted by their companies. Plus by going this route, instead of doing your own research, you’ve lost money before you even get started. Fortunately you’re not likely to find an advisor who will take you on for $1000.

3. Buy a Certificate of Deposit (CD)

Maybe it’s unfair to rate this traditionally conservative strategy as a bad investment on our list. But the fact is, at today’s returns, you’re almost guaranteed to lose money. If inflation is 2% and your CD pays at best 1.5%, it isn’t hard to figure out that you’ll be in worse shape when it matures. Plus, you won’t have access to the money in the meantime, so you’ll be out even more in missed opportunity if interest rates go up (which, economists universally agree, they will; the only question is when).

4. Buy Penny Stocks

When determining how to invest in stocks, some people think penny stocks make sense. $1,000 would seem to go a long way when buying stocks that are priced at less than a dollar. The attraction to penny stocks is that a) since they’re so cheap, there is no place to go but up and b) since the price is so low, you can buy lots of different stocks and you’re sure to find some winners.


Unfortunately, there’s a reason penny stocks are priced so low. They are either obscure, thinly-traded (and near impossible to liquidate) companies or companies that have fallen far down on their luck. And they can still get cheaper—until their value is zero. These are just a few of the reasons to to stay away from penny stocks.

5. Hire a Robo-Advisor

Robo-advisors appear to be an attractive new alternative for beginning investors or those with limited capital. You choose an investing profile (which will combine your acceptable degree of risk and the timeframe for your investing), and a computer algorithm works on your behalf to make the best investments for your needs and adjust them as conditions change in the financial markets. Fees are much lower than for traditional advisors, and can be waived entirely once your portfolio reaches a certain size.


The drawbacks of robo-funds are the same as the benefits, however: you don’t actually see how the funds are invested, and you usually can’t turn to a live human if you need advice. And the biggest decision of all—which of the increasing number of robo-funds to invest in—is still up to you.

6. Trade Futures

Through the power of leverage, your $1,000 might control a futures contract worth as much as $15,000 or more. However, your broker might require you to have additional cash available for margin calls, and if a trade goes south you could lose your entire stake and more. OTA’s Don Dawson wrote a thoughtful piece in Lessons From the Pros with advice on trading very small futures accounts. It can be done, but until you learn how to invest in futures contracts the risks probably exceed the potential rewards.

7. Trade Forex

Like futures, Forex Trading (also known as FX or foreign currency trading) has a low price of entry; some online brokers will open a “mini” account with a deposit of $100 or less. Forex is also an appealing asset class because it’s relatively simple to understand: most of the action is concentrated in just a few currency pairs. As in futures trading, you can control far more than your actual investment through leverage, but leverage can also magnify your losses.

8. Trade Options

Options Trading
allows you to control a stock or other asset and capitalize on its price movement without actually owning it. Because options expire in a few months (or even weeks) they’re priced low, far below the per–share price of the underlying asset. Want to trade Tesla or Google or another expensive high-flyer? Options allow you to do that for just a few dollars. A benefit is that unlike futures, the most you can lose is your stake; there’s no threat of an additional margin call. But like futures, options are a complex (though exciting) asset class and you need training and experience to trade options successfully.

9. Buy ETFs that track market indexes

Warren Buffett advises investors to “stick to low-cost index funds” like the S&P index fund that won his hedge fund bet. You can do the “Oracle of Omaha” one better by buying Exchange Traded Funds (ETFs) that mimic the same measurements. ETFs offer a much wider choice of investments so you can find an ETF that tracks a very narrowly defined sector, if that suits your needs. And since ETFs trade like stocks, you can buy and sell throughout the day unlike mutual funds.

10. The Best Way to Invest - Don’t buy anything—until you invest in educating yourself about the markets

Many brokerages and platforms offer test accounts where you can trade with play money, the equivalent of Fantasy Football, until you become experienced with the ebb and flow of the markets and the behavior of individual ticker symbols. Or $1,000 could be used to learn how to invest in stocks and other investment courses. Online Trading Academy offers comprehensive trading and investing education for traders and investors of all levels of experience. And you can get started for FREE by attending a half-day class in your area.

As we’ve seen, there is no magic bullet investment that is going to magnify your money with no downside whatsoever. There’s always a tradeoff between acceptable risk and potential reward. The “worst” investments are those that reduce your upside—by paying somebody else a portion of your hard earned money to manage your portfolio—without doing anything to take away the risk. And the “best” investments are those that put you in control — even if you ultimately choose to have someone actually do the investing on your behalf.

Remember, nobody cares more about your money and your future than you do, so do your homework and educate yourself about the financial markets before putting your money at risk!

12 Gambar Ini Tunjuk Betapa Berdisplinnya Budaya Orang Jepun
















Baca Juga : 

How to Start a Small Business in 10 Steps




If you’ve decided to invest your money instead of spending it, you’re already ahead of the game. Investing is better than saving, by definition, because you expect the amount of your money to increase. Still, it can be challenging to get started because there are so many choices available to you. You also need to determine the element of risk you can live with (the higher the potential return, the higher the risk that you will lose some or all of your investment) and how active you want to be in managing your portfolio.

Various financial markets and investment vehicles offer a tempting menu for the active investor who enjoys doing his or her own research and decision making. Or you can pay someone else to make the decisions for you, but this will lower your potential rewards while retaining at least some of the risk.

Let's suppose you have exactly $1,000 and want to make an investment in the financial markets. Determining how to invest your money is an important and, as discussed, often times confusing decision. What do you do? Should you invest $1,000 in stocks, futures, options or a combination?

So, what’s the best way to invest $1,000 today? With so many ways to invest these days, it can be difficult knowing which is the right course of action for you and your hard-earned money. Here, we'll look at 10 options for how to invest your money.

1. Buy Hedge Funds

Hedge fund managers try to outsmart the markets in order to justify high management fees. Unfortunately, they’ve been generally unsuccessful in recent years. Warren Buffett made a well-publicized bet as to which would appreciate faster over 10 years—a basket of mutual funds or an index fund that just tracks the market—and the index fund won.


Note: to buy hedge funds directly you need to be an “accredited investor” with a high net worth. Requirements for hedged mutual funds are much less stringent. But just because you can buy them doesn’t mean you should.

2. Give your money to a paid advisor or full-commission broker

An advisor will charge you a fee, or a commission, sometimes both, to manage your cash. And they may make investments that are in their best interests, instead of yours, because they pay high commissions or are promoted by their companies. Plus by going this route, instead of doing your own research, you’ve lost money before you even get started. Fortunately you’re not likely to find an advisor who will take you on for $1000.

3. Buy a Certificate of Deposit (CD)

Maybe it’s unfair to rate this traditionally conservative strategy as a bad investment on our list. But the fact is, at today’s returns, you’re almost guaranteed to lose money. If inflation is 2% and your CD pays at best 1.5%, it isn’t hard to figure out that you’ll be in worse shape when it matures. Plus, you won’t have access to the money in the meantime, so you’ll be out even more in missed opportunity if interest rates go up (which, economists universally agree, they will; the only question is when).

4. Buy Penny Stocks

When determining how to invest in stocks, some people think penny stocks make sense. $1,000 would seem to go a long way when buying stocks that are priced at less than a dollar. The attraction to penny stocks is that a) since they’re so cheap, there is no place to go but up and b) since the price is so low, you can buy lots of different stocks and you’re sure to find some winners.


Unfortunately, there’s a reason penny stocks are priced so low. They are either obscure, thinly-traded (and near impossible to liquidate) companies or companies that have fallen far down on their luck. And they can still get cheaper—until their value is zero. These are just a few of the reasons to to stay away from penny stocks.

5. Hire a Robo-Advisor

Robo-advisors appear to be an attractive new alternative for beginning investors or those with limited capital. You choose an investing profile (which will combine your acceptable degree of risk and the timeframe for your investing), and a computer algorithm works on your behalf to make the best investments for your needs and adjust them as conditions change in the financial markets. Fees are much lower than for traditional advisors, and can be waived entirely once your portfolio reaches a certain size.


The drawbacks of robo-funds are the same as the benefits, however: you don’t actually see how the funds are invested, and you usually can’t turn to a live human if you need advice. And the biggest decision of all—which of the increasing number of robo-funds to invest in—is still up to you.

6. Trade Futures

Through the power of leverage, your $1,000 might control a futures contract worth as much as $15,000 or more. However, your broker might require you to have additional cash available for margin calls, and if a trade goes south you could lose your entire stake and more. OTA’s Don Dawson wrote a thoughtful piece in Lessons From the Pros with advice on trading very small futures accounts. It can be done, but until you learn how to invest in futures contracts the risks probably exceed the potential rewards.

7. Trade Forex

Like futures, Forex Trading (also known as FX or foreign currency trading) has a low price of entry; some online brokers will open a “mini” account with a deposit of $100 or less. Forex is also an appealing asset class because it’s relatively simple to understand: most of the action is concentrated in just a few currency pairs. As in futures trading, you can control far more than your actual investment through leverage, but leverage can also magnify your losses.

8. Trade Options

Options Trading
allows you to control a stock or other asset and capitalize on its price movement without actually owning it. Because options expire in a few months (or even weeks) they’re priced low, far below the per–share price of the underlying asset. Want to trade Tesla or Google or another expensive high-flyer? Options allow you to do that for just a few dollars. A benefit is that unlike futures, the most you can lose is your stake; there’s no threat of an additional margin call. But like futures, options are a complex (though exciting) asset class and you need training and experience to trade options successfully.

9. Buy ETFs that track market indexes

Warren Buffett advises investors to “stick to low-cost index funds” like the S&P index fund that won his hedge fund bet. You can do the “Oracle of Omaha” one better by buying Exchange Traded Funds (ETFs) that mimic the same measurements. ETFs offer a much wider choice of investments so you can find an ETF that tracks a very narrowly defined sector, if that suits your needs. And since ETFs trade like stocks, you can buy and sell throughout the day unlike mutual funds.

10. The Best Way to Invest - Don’t buy anything—until you invest in educating yourself about the markets

Many brokerages and platforms offer test accounts where you can trade with play money, the equivalent of Fantasy Football, until you become experienced with the ebb and flow of the markets and the behavior of individual ticker symbols. Or $1,000 could be used to learn how to invest in stocks and other investment courses. Online Trading Academy offers comprehensive trading and investing education for traders and investors of all levels of experience. And you can get started for FREE by attending a half-day class in your area.

As we’ve seen, there is no magic bullet investment that is going to magnify your money with no downside whatsoever. There’s always a tradeoff between acceptable risk and potential reward. The “worst” investments are those that reduce your upside—by paying somebody else a portion of your hard earned money to manage your portfolio—without doing anything to take away the risk. And the “best” investments are those that put you in control — even if you ultimately choose to have someone actually do the investing on your behalf.

Remember, nobody cares more about your money and your future than you do, so do your homework and educate yourself about the financial markets before putting your money at risk!

12 Gambar Ini Tunjuk Betapa Berdisplinnya Budaya Orang Jepun

Selain Kita Berusaha, Amalkan Baca 2 Ayat Ini Setiap Malam, Nescaya Allah Akan Bantu Lancarkan Rezeki Kita

Selain Kita Berusaha, Amalkan Baca 2 Ayat Ini Setiap Malam, Nescaya Allah Akan Bantu Lancarkan Rezeki Kita











Baca Juga :

How To Choose Life Insurance Rates


The choices in life insurance policies can seem bewildering, and they are difficult to understand at first glance. It's hard to know exactly where to start.

You should start with a deceptively easy-sounding question: Do you need life insurance at all? Your detailed answer to that question can help you decide what type of life insurance to purchase, assuming you decide you do need it.


If you decide you really need life insurance, then your next step is to learn about the different types of life insurance, and to make sure you're buying the right type of policy.

Do You Really Need Life Insurance?

Life insurance needs vary depending on your personal situation — the people who depend on you.

If you have no dependents, you probably don't need life insurance. If you don't generate a significant percentage of your family's income, you may or may not need life insurance.

If your salary is important to supporting your family, paying the mortgage or other recurring bills, or to sending your kids to college, you should consider life insurance as a way to ensure these financial obligations are covered in the event of your death.

How Much Life Insurance Do You Need?

It's difficult to apply a rule-of-thumb because the amount of life insurance you need depends on factors such as your other sources of income, how many dependents you have, your debts, and your lifestyle.

However, there's a general guideline you may find useful: consider obtaining a policy that would be worth between five and 10 times your annual salary in the event of your death.

Beyond that guideline, you may want to consider consulting a financial planning professional to determine how much coverage to obtain.

Types of Life Insurance Policies

There are several different types of life insurance policies, including whole life, term life, variable life and universal life.

Whole life offers both a death benefit and cash value, but is much more expensive than other types of life insurance.


In traditional whole life insurance policies, your premiums stay the same until you've paid off the policy. The policy itself is in effect until your death, even after you've paid all the premiums.

This type of life insurance can be expensive because because huge commissions (thousands of dollars the first year) and fees limit the cash value in the early years. Since these fees are built into the complex investment formulas, most people don't realize just how much of their money is going into their insurance agent's pockets.

Variable life polices, a form of permanent life insurance, build up a cash reserve that you can invest in any of the choices offered by the insurance company. The value of your cash reserve depends on how well those investments are doing.

You can vary the amount of your premium with universal life insurance policies, another form of permanent life insurance, by using part of your accumulated earnings to cover part of the premium cost. You can also vary the amount of the death benefit. For this flexibility, you'll pay higher administrative fees.

Some experts recommend that if you're under 40 years old and don't have a family disposition for a life threatening illness, you should opt for term insurance, which offers a death benefit but no cash value.

Life Insurance Costs

The least expensive life insurance is likely to be from your employer's group life insurance plan, assuming your employer offers one. These policies are typically term policies, which means you're covered as long as you work for that employer. Some policies can be converted upon termination.

The cost of other types of life insurance varies greatly, depending on how much you buy, the type of policy you choose, the underwriter's practices, and how much commission the company pays your agent. The underlying costs are based on actuarial tables that project your life expectancy. High risk individuals, such as those who smoke, are overweight, or have a dangerous occupation or hobby (for example, flying) will pay more.

There are often hidden costs in life insurance policies, such as fees and large commissions, that you may not find out about until after you purchase the policy.

There are so many different kinds of life insurance, and so many companies that offer these policies, that I recommend using a fee-only insurance advisor who, for a fixed fee, will research the various policies available to you and recommend the one that best suits your needs. To ensure objectivity, your advisor should not be affiliated with any particular insurance company and should not receive a commission from any policy.

A healthy 30 year-old man could expect to pay approximately $300 a year for $300,000 of term life insurance. To receive the same amount of coverage under a cash value policy would cost over $3,000.

The Bottom Line

When choosing life insurance, use the internet's resources to educate yourself about life insurance basics, find a broker you trust, then have the policies he or she recommends evaluated by a fee-only insurance advisor.

Internationally known financial advisor Suze Orman strongly believes that if you want insurance, buy term; if you want an investment, buy an investment, not insurance. Don't mix the two. Unless you're a very savvy investor and understand all the implications of the various types of life insurance policies, you most likely should purchase term life insurance.

Selain Kita Berusaha, Amalkan Baca 2 Ayat Ini Setiap Malam, Nescaya Allah Akan Bantu Lancarkan Rezeki Kita











Baca Juga :

How To Choose Life Insurance Rates


The choices in life insurance policies can seem bewildering, and they are difficult to understand at first glance. It's hard to know exactly where to start.

You should start with a deceptively easy-sounding question: Do you need life insurance at all? Your detailed answer to that question can help you decide what type of life insurance to purchase, assuming you decide you do need it.


If you decide you really need life insurance, then your next step is to learn about the different types of life insurance, and to make sure you're buying the right type of policy.

Do You Really Need Life Insurance?

Life insurance needs vary depending on your personal situation — the people who depend on you.

If you have no dependents, you probably don't need life insurance. If you don't generate a significant percentage of your family's income, you may or may not need life insurance.

If your salary is important to supporting your family, paying the mortgage or other recurring bills, or to sending your kids to college, you should consider life insurance as a way to ensure these financial obligations are covered in the event of your death.

How Much Life Insurance Do You Need?

It's difficult to apply a rule-of-thumb because the amount of life insurance you need depends on factors such as your other sources of income, how many dependents you have, your debts, and your lifestyle.

However, there's a general guideline you may find useful: consider obtaining a policy that would be worth between five and 10 times your annual salary in the event of your death.

Beyond that guideline, you may want to consider consulting a financial planning professional to determine how much coverage to obtain.

Types of Life Insurance Policies

There are several different types of life insurance policies, including whole life, term life, variable life and universal life.

Whole life offers both a death benefit and cash value, but is much more expensive than other types of life insurance.


In traditional whole life insurance policies, your premiums stay the same until you've paid off the policy. The policy itself is in effect until your death, even after you've paid all the premiums.

This type of life insurance can be expensive because because huge commissions (thousands of dollars the first year) and fees limit the cash value in the early years. Since these fees are built into the complex investment formulas, most people don't realize just how much of their money is going into their insurance agent's pockets.

Variable life polices, a form of permanent life insurance, build up a cash reserve that you can invest in any of the choices offered by the insurance company. The value of your cash reserve depends on how well those investments are doing.

You can vary the amount of your premium with universal life insurance policies, another form of permanent life insurance, by using part of your accumulated earnings to cover part of the premium cost. You can also vary the amount of the death benefit. For this flexibility, you'll pay higher administrative fees.

Some experts recommend that if you're under 40 years old and don't have a family disposition for a life threatening illness, you should opt for term insurance, which offers a death benefit but no cash value.

Life Insurance Costs

The least expensive life insurance is likely to be from your employer's group life insurance plan, assuming your employer offers one. These policies are typically term policies, which means you're covered as long as you work for that employer. Some policies can be converted upon termination.

The cost of other types of life insurance varies greatly, depending on how much you buy, the type of policy you choose, the underwriter's practices, and how much commission the company pays your agent. The underlying costs are based on actuarial tables that project your life expectancy. High risk individuals, such as those who smoke, are overweight, or have a dangerous occupation or hobby (for example, flying) will pay more.

There are often hidden costs in life insurance policies, such as fees and large commissions, that you may not find out about until after you purchase the policy.

There are so many different kinds of life insurance, and so many companies that offer these policies, that I recommend using a fee-only insurance advisor who, for a fixed fee, will research the various policies available to you and recommend the one that best suits your needs. To ensure objectivity, your advisor should not be affiliated with any particular insurance company and should not receive a commission from any policy.

A healthy 30 year-old man could expect to pay approximately $300 a year for $300,000 of term life insurance. To receive the same amount of coverage under a cash value policy would cost over $3,000.

The Bottom Line

When choosing life insurance, use the internet's resources to educate yourself about life insurance basics, find a broker you trust, then have the policies he or she recommends evaluated by a fee-only insurance advisor.

Internationally known financial advisor Suze Orman strongly believes that if you want insurance, buy term; if you want an investment, buy an investment, not insurance. Don't mix the two. Unless you're a very savvy investor and understand all the implications of the various types of life insurance policies, you most likely should purchase term life insurance.

Selain Kita Berusaha, Amalkan Baca 2 Ayat Ini Setiap Malam, Nescaya Allah Akan Bantu Lancarkan Rezeki Kita

Bahaya Ni... Ibu Bapa Wajib Baca..! Nyawa Bayi Ini Hampir Saja Melayang, Ternyata Kerana Orangtuanya Membuat Susu Dengan Cara Seperti Ini..!

Bahaya Ni... Ibu Bapa Wajib Baca..! Nyawa Bayi Ini Hampir Saja Melayang, Ternyata Kerana Orangtuanya Membuat Susu Dengan Cara Seperti Ini..!

















Baca Juga : 


Harga Handphone Paling Mahal Di Dunia 





Jika Anda punya rezeki berlebih, tak ada salahnya untuk mengecek daftar HP termahal di dunia yang akan kami ulas berikut ini. Siapa tahu Anda tertarik untuk membawa pulang salah satu dari HP termahal dan tercanggih ini.

Berbagai HP ini dibandrol dengan harga yang cukup tinggi. Namun, harga tersebut cukup worth dengan desain dan spesifikasi ponsel tersebut. Bahkan, ponsel mahal ini akan menunjang penampilan dan gaya Anda. Apa saja HP termahal di dunia saat ini? Yuk, simak daftar selengkapnya berikut ini!

Inilah 11 Harga Handphone Paling Mahal Di Dunia Tahun 2017

1. Vertu Signature Touch for Bentley
  • Layar: 5.2 inches
  • Resolusi Layar: 1080×1920 pixels
  • Chipset: Qualcomm Snapdragon 810
  • CPU: 1.5GHz octa-core
  • GPU: –
  • Memori Internal:  64 GB, 4 GB RAM
  • Memori Eksternal: microSD
  • Kamera Belakang: 21 MP
  • Kamera Depan: 2.1 MP
  • Baterai: –

Membahas seputar HP termahal di dunia, nama “Vertu” pasti tidak pernah absen dalam daftar ponsel termahal setiap tahunnya. Vendor yang satu ini memang sangat aktif memproduksi HP dengan harga selangit. Kali ini, Vertu menggandeng Bentley, yang merupakan produsen mobil mewah.

Vertu Signature Touch for Bentley dibekali dengan prosesor Snapdragon 810, OS Android 5.1, kamera 21MP, RAM 4GB, dan juga layar seluas 5.2 inci. Body ponsel ini dibalut dengan kulit Beluga hitam dan Hotspur merah. Belum lagi casing titanium akan membuat ponsel seharga $9,000 atau sekitar 121 juta rupiah ini semakin terlihat elegan.

2. Mobiado Grand Touch EM Marble
  • Layar: S-LCD 4.65 inches
  • Resolusi Layar: 480 x 800 pixels
  • Chipset: –
  • CPU: Single core, 1000 MHz, ARM Cortex-A8
  • GPU: PowerVR SGX540
  • Memori Internal:  16 GB, 0.5 GB RAM
  • Memori Eksternal: –
  • Kamera Belakang: 5 MP, LED, Autofocus
  • Kamera Depan: 0.3 MP
  • Baterai: 1500 mAh

Jika smartphone yang dibalut dengan kulit kurang sesuai dengan selera Anda, mungkin Anda bisa mempertimbangkan untuk membeli Mobiado Grand Touch EM Marble. Pasalnya, ponsel seharga $3,100 atau 41 juta rupiah ini menggunakan batu alam sebagai casingnya. Adapun batuan yang dipakai sebagai bahan pembuatan casing ini adalah granit dan marmer.

Walaupun bukan salah satu HP tercanggih di daftar ini, tapi Mobiado Grand Touch EM Marble tetap memiliki kemewahan tersendiri. Ponsel ini berbekal layar super AMOLED berukuran 4,65 inci dan kamera 5MP. Nampaknya ponsel ini hanya unggul dalam hal tampilan saja.

3. Gresso Regal Gold
  • Layar: –
  • Resolusi Layar: 1080 x 1920 pixels
  • Chipset: Snapdragon
  • CPU: 1.5 GHz
  • GPU: –
  • Memori Internal:  32 GB, 2 GB RAM
  • Memori Eksternal: –
  • Kamera Belakang: 13 MP
  • Kamera Depan: 5 MP
  • Baterai: –

Tak ada yang dapat menolak pesona HP berbalut emas. Gresso Regal Gold adalah ponsel limited edition yang berbalut dengan emas kuning dan putih. Mengingat ini adalah HP dengan edisi terbatas, maka Gresso Regal Gold hanya diproduksi sebanyak 999 buah saja. Sayangnya, HP ini masih membawa sistem operasi Android yang tergolong lawas. Di samping itu, ponsel ini juga hanya dibekali dengan chipset Snapdragon 1.5 GHz.

Sementara itu, sektor memori ponsel ini dilengkapi dengan RAM 2GB dan ROM 32GB. Akan tetapi, keistimewaan dari Gresso Regal Gold memang terletak pada desainnya yang sangat elegan. HP ini dibandrol dengan harga $6,000 atau sekitar 80,5 juta rupiah.

4. Dior Reveries Haute Couture
  • Layar: 3.2 inches
  • Resolusi Layar: 854×480 pixels
  • Chipset: –
  • CPU: –
  • GPU: –
  • Memori Internal:  –
  • Memori Eksternal: –
  • Kamera Belakang: 13 MP
  • Kamera Depan: 5 MP
  • Baterai: 900 mAh
Nama “Dior” pasti sudah sangat akrab bagi fashionista di seluruh dunia. Seperti yang bisa Anda tebak, Dior Reveries Haute Couture adalah salah satu HP termahal di dunia yang unggul dalam hal tampilannya saja. Pasalnya, spesifikasi internal ponsel ini sangat minim, seperti keberadaan kamera 5MP atau sistem operasi Android versi lawas yang kurang reasonableuntuk ukuran ponsel seharga $102,222 atau setara dengan 1,3 milyar rupiah.

Yang membuat Dior Reveries Haute Couture istimewa adalah 1.539 berlian dan 46 buah mutiara terbaik yang menghiasi eksterior ponsel ini.

5. Savelli Jardin-Secret White Ice

  • Layar: 3.2 inches
  • Resolusi Layar: 480×800 pixels
  • Chipset: –
  • CPU: Quad Core 1,5 GHz
  • GPU: –
  • Memori Internal:  ROM 32 GB
  • Memori Eksternal: –
  • Kamera Belakang: 8 MP
  • Kamera Depan: –
  • Baterai: –
Fashionable! Itulah satu kata yang bisa mendeskripsikan Savelli Jardin-Secret White Ice. Ponsel ini nampaknya memang dirancang untuk melengkapi penampilan kaum hawa yang sangat modis dan elegan. Perpaduan antara kulit buaya dan emas putih terlihat mewah membalut body HP ini.

Ponsel berlayar 3.2 inci ini tidak mengandalkan OS Android, melainkan OS buatan Savelli sendiri. Semua keindahan eksterior Savelli Jardin-Secret White Ice adalah buatan tangan para ahli. Tidak heran jika ponsel mewah ini ditawarkan dengan harga $10,000 atau kisaran 134 juta rupiah. Apakah Anda berminat memiliki ponsel ini untuk tampil lebih modis?

6. Sirin Solarin
  • Layar: 5.5 inches
  • Resolusi Layar: 1440 x 2560 pixels
  • Chipset: Qualcomm Snapdragon 810
  • CPU: octa-core
  • GPU: –
  • Memori Internal:  ROM 128 GB, RAM 4 GB
  • Memori Eksternal: –
  • Kamera Belakang: 23.8 MP
  • Kamera Depan: 8 MP
  • Baterai: 4040 mAh
Sirin Solarin boleh dibilang sebagai ponsel tercanggih di dalam daftar ini. Ponsel yang memiliki saklar tunggal di bagian belakangnya ini disebut sebagai super-secure phone karena hanya menerima panggilan telepon dan pesan terenkripsi. Tak hanya itu saja, ponsel ini juga sudah mengusung WiGig, standar nirkabel baru yang menawarkan kecepatan transfer hingga 7 gigabit per detik.

Casing Sirin Solarin dibungkus dengan Carbon Fiber. Di lini fotografi, Sirin Solarin turut menawarkan kamera berkualitas dengan ukuran 23,8MP. Overall, ponsel mewah yang cukup canggih ini bisa Anda miliki dengan membelinya seharga $16,000 atau 215 juta rupiah.

7. Tonino Lamborghini 88 Tauri
  • Layar: 5.0 inches
  • Resolusi Layar: 1080 x 1920 pixels
  • Chipset: Qualcomm Snapdragon 801
  • CPU: quad-core 2.3GHz
  • GPU: –
  • Memori Internal: RAM 3 GB
  • Memori Eksternal: –
  • Kamera Belakang: 20 MP
  • Kamera Depan: 8 MP
  • Baterai: 3400 mAh
Lamborghini selalu menjadi brand mobil mewah yang dikenal di hampir seluruh negara di dunia. Bagaimana jika produsen mobil mewah tersebut membuat sebuah ponsel? Tonino Lamborghini 88 Tauri adalah ponsel mahal yang namanya diambil dari anak pendiri Lamborghini. Handset ini hanya tersedia 1.947 buah saja di dunia, jumlah yang sama dengan tanggal lahir, Tonino Lambhorgini, anak dari Ferrucio Lambhorgini.

Spek yang ditawarkan oleh ponsel ini antara lain adalah CPU Quad Core Snapdragon 801, RAM 3GB, kamera belakang 20MP dan kamera depan 8MP, serta layar full HD 5 inci. Harga yang ditawarkan untuk sebuah Tonino Lamborghini 88 Tauri adalah $6,000 atau 80,5 juta rupiah.

8. Goldvish Eclipse
  • Layar: 5.5 inches
  • Resolusi Layar: –
  • Chipset: Qualcomm Snapdragon 800
  • CPU: Quad-core 2.5Ghz
  • GPU: –
  • Memori Internal: 64 GB, 3 GB DDR3 RAM
  • Memori Eksternal: –
  • Kamera Belakang: 13 MP
  • Kamera Depan: 5 MP
  • Baterai: 3100 mAh
Anggapan mengani semua HP termahal di dunia hanya unggul dalam hal tampilan saja nampaknya salah. Pasalnya, Goldvish Eclipse membuktikan bahwa HP termahal tidak hanya menarik dalam hal tampilan, tetapi juga bagian internalnya. Ponsel yang dibuat di Swiss ini dilengkapi dengan CyanogenMod 13 onboard dan OS Android 6.0 Marshmallow.

Untuk melengkapi kehebatan smartphone ini, ada pula chipset Snapdragon 801, RAM 3GB, ROM 64GB, layar full HD 5 inci, dan kamera belakang 13MP serta kamera depan 5MP. Goldvish Eclipse dibandrol seharga 103 juta rupiah.

9. Vertu Aster Collection
  • Layar: Sapphire crystal glass 4.7 inches
  • Resolusi Layar: 1080 x 1920 pixels
  • Chipset: Qualcomm Snapdragon 801
  • CPU: Quad-core 2.3 GHz Krait 400
  • GPU: Adreno 330
  • Memori Internal: 64 GB, 2 GB RAM
  • Memori Eksternal: No
  • Kamera Belakang: 13 MP (Hasselblad certified), autofocus, dual-LED flash
  • Kamera Depan: 2.1 MP
  • Baterai: Non-removable Li-Ion 2275 mAh
Jajaran ponsel Vertu Aster Collection juga tidak boleh Anda lewatkan begitu saja. Dibalut dengan casing titanium dan kulit yang berwarna-warni, ponsel-ponsel dari Vertu ini ditawarkan mulai harga $7,000 atau 94 juta rupiah.

Adapun Aster Collection ini membawa chipset Snapdragon 801, kamera belakang 13MP, dan suara yang diperkuat dengan Bang & Olufsen. Akan tetapi, minus dari ponsel ini adalah sistem operasinya yang ketinggalan zaman, yaitu Android KitKat v4.4.4.

10. Aston Martin Racing 808
  • Layar: sapphire glass 4.7 inches
  • Resolusi Layar: 1.280 x 720 pixels
  • Chipset: Qualcomm Snapdragon 801
  • CPU: Quad-core 2.5GHz
  • GPU: –
  • Memori Internal: 32 GB, 2 GB RAM
  • Memori Eksternal: No
  • Kamera Belakang: 13 MP
  • Kamera Depan: –
  • Baterai: 2200 mAh
Ingin merasakan sensasi menjadi James Bond? Miliki Aston Martin Racing 808, ponsel yang diproduksi dengan produsen mobil yang biasa dipakai oleh James Bond di setiap filmnya.

Smartphone ini dibandrol dengan harga $6,000, tapi jika Anda ingin Aston Martin Racing 808 yang dilengkapi dengan taburan berlian, maka harganya bisa mencapai $24,000 atau 322 juta rupiah. Smartphone ini mengusung chipset Snapdragon 801, RAM 2GB, layar 4.7 inci, dan kamera 13MP.

HP Termahal di Dunia Lainnya

Selain daftar di atas, kami juga memiliki rekomendasi lain yang sempat masuk ke dalam daftar terbaik di tahun 2016. Produk-produk ini masih layak untuk Anda pertimbangkan di tahun 2017 ini.

11. Samsung W2015
  • Layar: 3.9 inches
  • Resolusi Layar: 1.280 x 768 pixels
  • Chipset: Snapdragon 801
  • CPU: –
  • GPU: –
  • Memori Internal: 16 GB, 2 GB RAM
  • Memori Eksternal: microSD
  • Kamera Belakang: 16 MP
  • Kamera Depan: 3,7MP.
  • Baterai: –
Ponsel flip kembali meramaikan pasar ponsel dunia. Hal tersebut ditandai dengan kemunculan Samsung W2015. Tak tanggung-tanggung, ponsel ini diklaim sebagai salah satu ponsel termewah di dunia yang ada saat ini.

Samsung W2015 dibalut dengan sentuhan warna hitam dan emas. Meskipun ini bukan emas asli, tapi warna emas ini membuat tampilan handset ini terlihat glamour dan elegan. Di bagian depan maupun luar ponsel flip ini terdapat layar berukuran 3.9 inch. Samsung W2015 resmi dibandrol dengan harga USD $2,450 atau sekitar 32 juta rupiah.

Sebagian besar dari HP termahal di dunia ini tampak lemah dalam sektor spesifikasi. Namun, ponsel-ponsel mewah ini berdaya jual tinggi karena dibalut dengan desain atau material yang sangat mahal. Nah, apakah Anda berencana untuk memiliki satu dari sepuluh ponsel termahal di dunia versi kami ini?

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Harga Handphone Paling Mahal Di Dunia 





Jika Anda punya rezeki berlebih, tak ada salahnya untuk mengecek daftar HP termahal di dunia yang akan kami ulas berikut ini. Siapa tahu Anda tertarik untuk membawa pulang salah satu dari HP termahal dan tercanggih ini.

Berbagai HP ini dibandrol dengan harga yang cukup tinggi. Namun, harga tersebut cukup worth dengan desain dan spesifikasi ponsel tersebut. Bahkan, ponsel mahal ini akan menunjang penampilan dan gaya Anda. Apa saja HP termahal di dunia saat ini? Yuk, simak daftar selengkapnya berikut ini!

Inilah 11 Harga Handphone Paling Mahal Di Dunia Tahun 2017

1. Vertu Signature Touch for Bentley
  • Layar: 5.2 inches
  • Resolusi Layar: 1080×1920 pixels
  • Chipset: Qualcomm Snapdragon 810
  • CPU: 1.5GHz octa-core
  • GPU: –
  • Memori Internal:  64 GB, 4 GB RAM
  • Memori Eksternal: microSD
  • Kamera Belakang: 21 MP
  • Kamera Depan: 2.1 MP
  • Baterai: –

Membahas seputar HP termahal di dunia, nama “Vertu” pasti tidak pernah absen dalam daftar ponsel termahal setiap tahunnya. Vendor yang satu ini memang sangat aktif memproduksi HP dengan harga selangit. Kali ini, Vertu menggandeng Bentley, yang merupakan produsen mobil mewah.

Vertu Signature Touch for Bentley dibekali dengan prosesor Snapdragon 810, OS Android 5.1, kamera 21MP, RAM 4GB, dan juga layar seluas 5.2 inci. Body ponsel ini dibalut dengan kulit Beluga hitam dan Hotspur merah. Belum lagi casing titanium akan membuat ponsel seharga $9,000 atau sekitar 121 juta rupiah ini semakin terlihat elegan.

2. Mobiado Grand Touch EM Marble
  • Layar: S-LCD 4.65 inches
  • Resolusi Layar: 480 x 800 pixels
  • Chipset: –
  • CPU: Single core, 1000 MHz, ARM Cortex-A8
  • GPU: PowerVR SGX540
  • Memori Internal:  16 GB, 0.5 GB RAM
  • Memori Eksternal: –
  • Kamera Belakang: 5 MP, LED, Autofocus
  • Kamera Depan: 0.3 MP
  • Baterai: 1500 mAh

Jika smartphone yang dibalut dengan kulit kurang sesuai dengan selera Anda, mungkin Anda bisa mempertimbangkan untuk membeli Mobiado Grand Touch EM Marble. Pasalnya, ponsel seharga $3,100 atau 41 juta rupiah ini menggunakan batu alam sebagai casingnya. Adapun batuan yang dipakai sebagai bahan pembuatan casing ini adalah granit dan marmer.

Walaupun bukan salah satu HP tercanggih di daftar ini, tapi Mobiado Grand Touch EM Marble tetap memiliki kemewahan tersendiri. Ponsel ini berbekal layar super AMOLED berukuran 4,65 inci dan kamera 5MP. Nampaknya ponsel ini hanya unggul dalam hal tampilan saja.

3. Gresso Regal Gold
  • Layar: –
  • Resolusi Layar: 1080 x 1920 pixels
  • Chipset: Snapdragon
  • CPU: 1.5 GHz
  • GPU: –
  • Memori Internal:  32 GB, 2 GB RAM
  • Memori Eksternal: –
  • Kamera Belakang: 13 MP
  • Kamera Depan: 5 MP
  • Baterai: –

Tak ada yang dapat menolak pesona HP berbalut emas. Gresso Regal Gold adalah ponsel limited edition yang berbalut dengan emas kuning dan putih. Mengingat ini adalah HP dengan edisi terbatas, maka Gresso Regal Gold hanya diproduksi sebanyak 999 buah saja. Sayangnya, HP ini masih membawa sistem operasi Android yang tergolong lawas. Di samping itu, ponsel ini juga hanya dibekali dengan chipset Snapdragon 1.5 GHz.

Sementara itu, sektor memori ponsel ini dilengkapi dengan RAM 2GB dan ROM 32GB. Akan tetapi, keistimewaan dari Gresso Regal Gold memang terletak pada desainnya yang sangat elegan. HP ini dibandrol dengan harga $6,000 atau sekitar 80,5 juta rupiah.

4. Dior Reveries Haute Couture
  • Layar: 3.2 inches
  • Resolusi Layar: 854×480 pixels
  • Chipset: –
  • CPU: –
  • GPU: –
  • Memori Internal:  –
  • Memori Eksternal: –
  • Kamera Belakang: 13 MP
  • Kamera Depan: 5 MP
  • Baterai: 900 mAh
Nama “Dior” pasti sudah sangat akrab bagi fashionista di seluruh dunia. Seperti yang bisa Anda tebak, Dior Reveries Haute Couture adalah salah satu HP termahal di dunia yang unggul dalam hal tampilannya saja. Pasalnya, spesifikasi internal ponsel ini sangat minim, seperti keberadaan kamera 5MP atau sistem operasi Android versi lawas yang kurang reasonableuntuk ukuran ponsel seharga $102,222 atau setara dengan 1,3 milyar rupiah.

Yang membuat Dior Reveries Haute Couture istimewa adalah 1.539 berlian dan 46 buah mutiara terbaik yang menghiasi eksterior ponsel ini.

5. Savelli Jardin-Secret White Ice

  • Layar: 3.2 inches
  • Resolusi Layar: 480×800 pixels
  • Chipset: –
  • CPU: Quad Core 1,5 GHz
  • GPU: –
  • Memori Internal:  ROM 32 GB
  • Memori Eksternal: –
  • Kamera Belakang: 8 MP
  • Kamera Depan: –
  • Baterai: –
Fashionable! Itulah satu kata yang bisa mendeskripsikan Savelli Jardin-Secret White Ice. Ponsel ini nampaknya memang dirancang untuk melengkapi penampilan kaum hawa yang sangat modis dan elegan. Perpaduan antara kulit buaya dan emas putih terlihat mewah membalut body HP ini.

Ponsel berlayar 3.2 inci ini tidak mengandalkan OS Android, melainkan OS buatan Savelli sendiri. Semua keindahan eksterior Savelli Jardin-Secret White Ice adalah buatan tangan para ahli. Tidak heran jika ponsel mewah ini ditawarkan dengan harga $10,000 atau kisaran 134 juta rupiah. Apakah Anda berminat memiliki ponsel ini untuk tampil lebih modis?

6. Sirin Solarin
  • Layar: 5.5 inches
  • Resolusi Layar: 1440 x 2560 pixels
  • Chipset: Qualcomm Snapdragon 810
  • CPU: octa-core
  • GPU: –
  • Memori Internal:  ROM 128 GB, RAM 4 GB
  • Memori Eksternal: –
  • Kamera Belakang: 23.8 MP
  • Kamera Depan: 8 MP
  • Baterai: 4040 mAh
Sirin Solarin boleh dibilang sebagai ponsel tercanggih di dalam daftar ini. Ponsel yang memiliki saklar tunggal di bagian belakangnya ini disebut sebagai super-secure phone karena hanya menerima panggilan telepon dan pesan terenkripsi. Tak hanya itu saja, ponsel ini juga sudah mengusung WiGig, standar nirkabel baru yang menawarkan kecepatan transfer hingga 7 gigabit per detik.

Casing Sirin Solarin dibungkus dengan Carbon Fiber. Di lini fotografi, Sirin Solarin turut menawarkan kamera berkualitas dengan ukuran 23,8MP. Overall, ponsel mewah yang cukup canggih ini bisa Anda miliki dengan membelinya seharga $16,000 atau 215 juta rupiah.

7. Tonino Lamborghini 88 Tauri
  • Layar: 5.0 inches
  • Resolusi Layar: 1080 x 1920 pixels
  • Chipset: Qualcomm Snapdragon 801
  • CPU: quad-core 2.3GHz
  • GPU: –
  • Memori Internal: RAM 3 GB
  • Memori Eksternal: –
  • Kamera Belakang: 20 MP
  • Kamera Depan: 8 MP
  • Baterai: 3400 mAh
Lamborghini selalu menjadi brand mobil mewah yang dikenal di hampir seluruh negara di dunia. Bagaimana jika produsen mobil mewah tersebut membuat sebuah ponsel? Tonino Lamborghini 88 Tauri adalah ponsel mahal yang namanya diambil dari anak pendiri Lamborghini. Handset ini hanya tersedia 1.947 buah saja di dunia, jumlah yang sama dengan tanggal lahir, Tonino Lambhorgini, anak dari Ferrucio Lambhorgini.

Spek yang ditawarkan oleh ponsel ini antara lain adalah CPU Quad Core Snapdragon 801, RAM 3GB, kamera belakang 20MP dan kamera depan 8MP, serta layar full HD 5 inci. Harga yang ditawarkan untuk sebuah Tonino Lamborghini 88 Tauri adalah $6,000 atau 80,5 juta rupiah.

8. Goldvish Eclipse
  • Layar: 5.5 inches
  • Resolusi Layar: –
  • Chipset: Qualcomm Snapdragon 800
  • CPU: Quad-core 2.5Ghz
  • GPU: –
  • Memori Internal: 64 GB, 3 GB DDR3 RAM
  • Memori Eksternal: –
  • Kamera Belakang: 13 MP
  • Kamera Depan: 5 MP
  • Baterai: 3100 mAh
Anggapan mengani semua HP termahal di dunia hanya unggul dalam hal tampilan saja nampaknya salah. Pasalnya, Goldvish Eclipse membuktikan bahwa HP termahal tidak hanya menarik dalam hal tampilan, tetapi juga bagian internalnya. Ponsel yang dibuat di Swiss ini dilengkapi dengan CyanogenMod 13 onboard dan OS Android 6.0 Marshmallow.

Untuk melengkapi kehebatan smartphone ini, ada pula chipset Snapdragon 801, RAM 3GB, ROM 64GB, layar full HD 5 inci, dan kamera belakang 13MP serta kamera depan 5MP. Goldvish Eclipse dibandrol seharga 103 juta rupiah.

9. Vertu Aster Collection
  • Layar: Sapphire crystal glass 4.7 inches
  • Resolusi Layar: 1080 x 1920 pixels
  • Chipset: Qualcomm Snapdragon 801
  • CPU: Quad-core 2.3 GHz Krait 400
  • GPU: Adreno 330
  • Memori Internal: 64 GB, 2 GB RAM
  • Memori Eksternal: No
  • Kamera Belakang: 13 MP (Hasselblad certified), autofocus, dual-LED flash
  • Kamera Depan: 2.1 MP
  • Baterai: Non-removable Li-Ion 2275 mAh
Jajaran ponsel Vertu Aster Collection juga tidak boleh Anda lewatkan begitu saja. Dibalut dengan casing titanium dan kulit yang berwarna-warni, ponsel-ponsel dari Vertu ini ditawarkan mulai harga $7,000 atau 94 juta rupiah.

Adapun Aster Collection ini membawa chipset Snapdragon 801, kamera belakang 13MP, dan suara yang diperkuat dengan Bang & Olufsen. Akan tetapi, minus dari ponsel ini adalah sistem operasinya yang ketinggalan zaman, yaitu Android KitKat v4.4.4.

10. Aston Martin Racing 808
  • Layar: sapphire glass 4.7 inches
  • Resolusi Layar: 1.280 x 720 pixels
  • Chipset: Qualcomm Snapdragon 801
  • CPU: Quad-core 2.5GHz
  • GPU: –
  • Memori Internal: 32 GB, 2 GB RAM
  • Memori Eksternal: No
  • Kamera Belakang: 13 MP
  • Kamera Depan: –
  • Baterai: 2200 mAh
Ingin merasakan sensasi menjadi James Bond? Miliki Aston Martin Racing 808, ponsel yang diproduksi dengan produsen mobil yang biasa dipakai oleh James Bond di setiap filmnya.

Smartphone ini dibandrol dengan harga $6,000, tapi jika Anda ingin Aston Martin Racing 808 yang dilengkapi dengan taburan berlian, maka harganya bisa mencapai $24,000 atau 322 juta rupiah. Smartphone ini mengusung chipset Snapdragon 801, RAM 2GB, layar 4.7 inci, dan kamera 13MP.

HP Termahal di Dunia Lainnya

Selain daftar di atas, kami juga memiliki rekomendasi lain yang sempat masuk ke dalam daftar terbaik di tahun 2016. Produk-produk ini masih layak untuk Anda pertimbangkan di tahun 2017 ini.

11. Samsung W2015
  • Layar: 3.9 inches
  • Resolusi Layar: 1.280 x 768 pixels
  • Chipset: Snapdragon 801
  • CPU: –
  • GPU: –
  • Memori Internal: 16 GB, 2 GB RAM
  • Memori Eksternal: microSD
  • Kamera Belakang: 16 MP
  • Kamera Depan: 3,7MP.
  • Baterai: –
Ponsel flip kembali meramaikan pasar ponsel dunia. Hal tersebut ditandai dengan kemunculan Samsung W2015. Tak tanggung-tanggung, ponsel ini diklaim sebagai salah satu ponsel termewah di dunia yang ada saat ini.

Samsung W2015 dibalut dengan sentuhan warna hitam dan emas. Meskipun ini bukan emas asli, tapi warna emas ini membuat tampilan handset ini terlihat glamour dan elegan. Di bagian depan maupun luar ponsel flip ini terdapat layar berukuran 3.9 inch. Samsung W2015 resmi dibandrol dengan harga USD $2,450 atau sekitar 32 juta rupiah.

Sebagian besar dari HP termahal di dunia ini tampak lemah dalam sektor spesifikasi. Namun, ponsel-ponsel mewah ini berdaya jual tinggi karena dibalut dengan desain atau material yang sangat mahal. Nah, apakah Anda berencana untuk memiliki satu dari sepuluh ponsel termahal di dunia versi kami ini?

Bahaya Ni... Ibu Bapa Wajib Baca..! Nyawa Bayi Ini Hampir Saja Melayang, Ternyata Kerana Orangtuanya Membuat Susu Dengan Cara Seperti Ini..!

Wajib Baca... Lelaki Ini Miliki Kerja Yang Paling ‘Best’ Di Dunia

Wajib Baca... Lelaki Ini Miliki Kerja Yang Paling ‘Best’ Di Dunia








Baca Juga : 


HOW TO INVEST The Importance of Financial Investments





If you're just starting out, beginning an investment program may be something that hasn't been on your radar. You may be more concerned with how to pay for items like food and gasoline. However, if you can scrape together even a small amount of money for investment purposes, you'll be on your way to creating a much rosier financial picture in the years to come.

Beating InflationIn addition to making for uncomfortable sleeping, stuffing your money under a mattress does little to mitigate the impact of inflation over time. Putting your money in a regular bank savings account won't help much either because of the typically minuscule interest rates. While placing your money in investment vehicles, such as stocks and mutual funds, introduces an element of risk, you stand a much better chance of outpacing the inflation rate throughout a period of years.
Saving for Retirement

Depending solely on social security benefits as your source of retirement income probably won't cut it unless you plan to subsist on a diet of rice and water. Unless your company offers a sizable pension plan, you will probably need to start an investment program as early as possible to ensure a comfortable retirement. IRAs offer an easy way to invest for retirement and also provide certain tax benefits. If your employer offers a 401k plan, you can benefit from the matching funds that many companies will deposit in your account on your behalf.
Putting Your Money to Work

If you have a job, you're undoubtedly familiar with the concept of working for your money. Investing allows you to turn the tide by making your money work for you. Through the magic of compound interest, for example, your accumulated interest actually earns additional money without you having to lift a finger. Consequently, your original investment can multiply greatly over time. For example, if you invested $1,000 at an interest rate of 7 percent compounded annually, your investment would grow to $7,612.26 after 30 years.
Financial Resource

Some investments can fulfill more than one financial purpose and serve as a valuable resource. For instance, when you purchase a home, it may appreciate in value and yield a handsome profit when you sell it. Additionally, as you make your monthly mortgage payments you build up equity, which is the amount of your ownership stake in the property. You can borrow against your accumulated equity by taking out a home equity loan or home equity line of credit to help you more immediate financial needs.

HOW TO INVEST Five Key Points to Consider Before Investing

So you and your special someone are thinking about beginning an investment program. That's a wise move because the earlier you start investing the more time your nest egg has to grow. Invest only $250 a month for 20 years at 5 percent interest and you'll have $102,758. Increase the rate of return to 8 percent and the total jumps to $147,255.

Financial Fitness

Before you start socking away money in an investment account do a fitness check on your finances. Your savings account should total from three to six months of living expenses before you start playing the stock market. It doesn't make sense to invest money until you've paid off your credit card balances. The average credit card interest rate on new credit cards as of June 8, 2012, is 14.9 percent according to FoxBusiness.com.
Risk Tolerance

Different types of investments have different levels of risk. A savings account has very little risk, but then the rate of return is low as well. Money markets are rather safe. Mutual funds spread the risk because a number of companies make up the mutual fund's portfolio. Investing in individual companies can pay off handsomely or help you lose money. If you get butterflies at the mere thought of losing any of your investment then consider a low risk investment strategy.
Goals

Determine your goals. Sit down with each other and your favorite beverage and hash out why you want to invest, how much you plan on investing each month and what you hope your investment portfolio will total at the end of one year, two years, five years and 10 years. Consider that as your life changes your goals may change. While your current goal may be to save enough for a down payment on a home, in 15 years you may be looking at funding your kids' college education.
Diversification

All your eggs in one basket is a bad investment strategy. In other words don't put all your money in tech stocks, gold or your cousin's Vinny's pizza parlor. Diversify your investment portfolio, so that if one investment tanks, the others won't be affected. That includes any investing in your employer's stock. If your employer goes bankrupt, not only have you lost your job, you've lost your investments. Consider liquidity as well as risk. Getting cash out of your money market takes place nearly instantaneously. Artwork, collectibles and antiques may take weeks to sell and depending on the market, may not yield as much as you hoped.
Time and Knowledge

Getting up to speed on what to invest in takes time and knowledge. If that doesn't appeal to either of you, consider a financial planner or adviser. Planners are paid on a commission based on what you invest in or a flat fee based on how much time he spends with you.

Wajib Baca... Lelaki Ini Miliki Kerja Yang Paling ‘Best’ Di Dunia








Baca Juga : 


HOW TO INVEST The Importance of Financial Investments





If you're just starting out, beginning an investment program may be something that hasn't been on your radar. You may be more concerned with how to pay for items like food and gasoline. However, if you can scrape together even a small amount of money for investment purposes, you'll be on your way to creating a much rosier financial picture in the years to come.

Beating InflationIn addition to making for uncomfortable sleeping, stuffing your money under a mattress does little to mitigate the impact of inflation over time. Putting your money in a regular bank savings account won't help much either because of the typically minuscule interest rates. While placing your money in investment vehicles, such as stocks and mutual funds, introduces an element of risk, you stand a much better chance of outpacing the inflation rate throughout a period of years.
Saving for Retirement

Depending solely on social security benefits as your source of retirement income probably won't cut it unless you plan to subsist on a diet of rice and water. Unless your company offers a sizable pension plan, you will probably need to start an investment program as early as possible to ensure a comfortable retirement. IRAs offer an easy way to invest for retirement and also provide certain tax benefits. If your employer offers a 401k plan, you can benefit from the matching funds that many companies will deposit in your account on your behalf.
Putting Your Money to Work

If you have a job, you're undoubtedly familiar with the concept of working for your money. Investing allows you to turn the tide by making your money work for you. Through the magic of compound interest, for example, your accumulated interest actually earns additional money without you having to lift a finger. Consequently, your original investment can multiply greatly over time. For example, if you invested $1,000 at an interest rate of 7 percent compounded annually, your investment would grow to $7,612.26 after 30 years.
Financial Resource

Some investments can fulfill more than one financial purpose and serve as a valuable resource. For instance, when you purchase a home, it may appreciate in value and yield a handsome profit when you sell it. Additionally, as you make your monthly mortgage payments you build up equity, which is the amount of your ownership stake in the property. You can borrow against your accumulated equity by taking out a home equity loan or home equity line of credit to help you more immediate financial needs.

HOW TO INVEST Five Key Points to Consider Before Investing

So you and your special someone are thinking about beginning an investment program. That's a wise move because the earlier you start investing the more time your nest egg has to grow. Invest only $250 a month for 20 years at 5 percent interest and you'll have $102,758. Increase the rate of return to 8 percent and the total jumps to $147,255.

Financial Fitness

Before you start socking away money in an investment account do a fitness check on your finances. Your savings account should total from three to six months of living expenses before you start playing the stock market. It doesn't make sense to invest money until you've paid off your credit card balances. The average credit card interest rate on new credit cards as of June 8, 2012, is 14.9 percent according to FoxBusiness.com.
Risk Tolerance

Different types of investments have different levels of risk. A savings account has very little risk, but then the rate of return is low as well. Money markets are rather safe. Mutual funds spread the risk because a number of companies make up the mutual fund's portfolio. Investing in individual companies can pay off handsomely or help you lose money. If you get butterflies at the mere thought of losing any of your investment then consider a low risk investment strategy.
Goals

Determine your goals. Sit down with each other and your favorite beverage and hash out why you want to invest, how much you plan on investing each month and what you hope your investment portfolio will total at the end of one year, two years, five years and 10 years. Consider that as your life changes your goals may change. While your current goal may be to save enough for a down payment on a home, in 15 years you may be looking at funding your kids' college education.
Diversification

All your eggs in one basket is a bad investment strategy. In other words don't put all your money in tech stocks, gold or your cousin's Vinny's pizza parlor. Diversify your investment portfolio, so that if one investment tanks, the others won't be affected. That includes any investing in your employer's stock. If your employer goes bankrupt, not only have you lost your job, you've lost your investments. Consider liquidity as well as risk. Getting cash out of your money market takes place nearly instantaneously. Artwork, collectibles and antiques may take weeks to sell and depending on the market, may not yield as much as you hoped.
Time and Knowledge

Getting up to speed on what to invest in takes time and knowledge. If that doesn't appeal to either of you, consider a financial planner or adviser. Planners are paid on a commission based on what you invest in or a flat fee based on how much time he spends with you.

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How To Donate A Car In California



Are you ready to donate a car in California? If so, good for you! Donating a car to charity is a wonderful decision on many levels. First of all, your donation goes to help a great cause.  Plus, you get your old vehicle or junk car moved off of your property free of charge. You are also recycling an old vehicle, and you also get to claim the car donation as a tax deduction.

In this post you'll find some tips on how to donate a car in California and some specific requirements you should be aware of that relate to California car donations.

1. To donate a car in California, you begin by submitting an online car donation form or calling the charity you wish donate your vehicle to.  If you wish to claim the car donation as a tax deduction, be sure to check that the charity is an IRS recognized nonprofit organization.

2. The process for receiving the tax receipt for your charitable donation may vary. Some charities will email you the initial receipt while others have the tow truck provide you with the receipt at the time of pick up. This is just an initial receipt and enables you to claim a tax deduction of up to $500. You should check with the charity to find out what their procedure is for providing you with this receipt when you submit your vehicle donation.

3. In the State of California, the license plates remain with the vehicle, so these should not be removed prior to the pickup.

4. Filing a Release of Liability with the California Department of Motor Vehicles is an important step you do not want to miss when you donate a car.  This document releases you from future liability which may arise for any reason after the vehicle is donated.  In California the procedure for filing a Release of Liability is that you must return the pink portion of the title or DMV form REG 138 to your local Department of Motor Vehicles. Alternatively, you can file your release of liability online at http://www.dmv.ca.gov.

5. If your vehicle sells for more than $500, or if it qualifies for a fair market value tax deduction, you will receive additional tax paperwork after the sale of the vehicle takes place. The amount you will be allowed to deduct on your taxes will vary depending on several factors which could include the price the vehicle is sold for or whether the vehicle is classified as a fair market value car donation.

6. One last point we should mention is that if you plan to claim your car donation tax deduction on your 2012 taxes, you need to make sure you donate the car well before the deadline of December 31, 2012. The charity should have possession of the vehicle before midnight on December 31st, or at least have the pickup well in the works, in order for you to claim your tax deduction in 2012. Don’t wait till the last minute as there could be delays that could result in you being unable to claim the donation as a deduction for the current tax year.

If you have any further questions related to your car donation tax deduction, most charities are relatively knowledgeable about the process and paperwork needed, however, you should consult a CPA or accountant for specifics regarding your particular tax situation.

For additional questions related to car donations in California, you can contact your local DMV or visit the California DMV website for the latest information on state specific requirements.

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How To Donate A Car In California



Are you ready to donate a car in California? If so, good for you! Donating a car to charity is a wonderful decision on many levels. First of all, your donation goes to help a great cause.  Plus, you get your old vehicle or junk car moved off of your property free of charge. You are also recycling an old vehicle, and you also get to claim the car donation as a tax deduction.

In this post you'll find some tips on how to donate a car in California and some specific requirements you should be aware of that relate to California car donations.

1. To donate a car in California, you begin by submitting an online car donation form or calling the charity you wish donate your vehicle to.  If you wish to claim the car donation as a tax deduction, be sure to check that the charity is an IRS recognized nonprofit organization.

2. The process for receiving the tax receipt for your charitable donation may vary. Some charities will email you the initial receipt while others have the tow truck provide you with the receipt at the time of pick up. This is just an initial receipt and enables you to claim a tax deduction of up to $500. You should check with the charity to find out what their procedure is for providing you with this receipt when you submit your vehicle donation.

3. In the State of California, the license plates remain with the vehicle, so these should not be removed prior to the pickup.

4. Filing a Release of Liability with the California Department of Motor Vehicles is an important step you do not want to miss when you donate a car.  This document releases you from future liability which may arise for any reason after the vehicle is donated.  In California the procedure for filing a Release of Liability is that you must return the pink portion of the title or DMV form REG 138 to your local Department of Motor Vehicles. Alternatively, you can file your release of liability online at http://www.dmv.ca.gov.

5. If your vehicle sells for more than $500, or if it qualifies for a fair market value tax deduction, you will receive additional tax paperwork after the sale of the vehicle takes place. The amount you will be allowed to deduct on your taxes will vary depending on several factors which could include the price the vehicle is sold for or whether the vehicle is classified as a fair market value car donation.

6. One last point we should mention is that if you plan to claim your car donation tax deduction on your 2012 taxes, you need to make sure you donate the car well before the deadline of December 31, 2012. The charity should have possession of the vehicle before midnight on December 31st, or at least have the pickup well in the works, in order for you to claim your tax deduction in 2012. Don’t wait till the last minute as there could be delays that could result in you being unable to claim the donation as a deduction for the current tax year.

If you have any further questions related to your car donation tax deduction, most charities are relatively knowledgeable about the process and paperwork needed, however, you should consult a CPA or accountant for specifics regarding your particular tax situation.

For additional questions related to car donations in California, you can contact your local DMV or visit the California DMV website for the latest information on state specific requirements.

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