eK0n0mi taK seriU$ d/h ekonomitakserius@blogspot.com

Oktober 29, 2012

beautiful: ini BARU B3N3R @busway … 291012

Filed under: GLOBAL ECONOMY — bumi2009fans @ 11:41 am

Dibangun, 6 Ruas Tol Baru Dilalui Bus Transjakarta
Proyek enam ruas tol ini menelan investasi senilai Rp42 triliun.
Senin, 29 Oktober 2012, 15:51 Antique, Alfin Tofler

VIVAnews – Kementerian Pekerjaan Umum mengungkapkan bahwa saat ini sedang merancang pembangunan enam ruas jalan tol layang di Jakarta dan akan dilalui bus Transjakarta.

“Nanti, dalam jalan tol tersebut akan dibuatkan jalan khusus untuk bus Transjakarta,” kata Wakil Menteri Pekerjaan Umum, Hermanto Dardak, dalam paparannya di acara Ikatan Sarjana Nahdlatul Ulama di Jakarta, Senin 29 Oktober 2012.
… gw seh pernah ngoceh2 soal KEBUTUHAN JALUR KHUSUS TERPISAH DARI JALUR TRANSPORTASI PUBLIK, sebagai SATU-SATUNYA CARA SUPAYA BUSWAY SUKSES … well neh baca posting gw: 2010, gw MELANJUTKAN OCEHAN GW soal JALUR KHUSUS TERPISAH
Jalan tol yang keenam ruasnya akan dibuat dalam keadaan melayang (elevated) ini, Hermanto menjelaskan, nantinya akan membantu Jakarta untuk mengatasi kemacetan.

Penggunaan sistem elevated pun, dia menambahkan, dijadikan pilihan karena persoalan lahan yang sering menjadi masalah dan untuk mengurangi nilai investasi.

Keenam ruas jalan tol dalam kota tersebut adalah Kemayoran-Kampung Melayu (9,6 kilometer), Duri Pulau-Kampung Melayu (11,4 km), Sunter-Rawabuaya-Batu Ceper (22,9 km), Sunter-Pulo Gebang-Tambelang (25,73 km), Pasar Minggu-Casablanca (9,5 km), dan Ulujami-Tanah Abang (8,27 km).

Hermanto mengatakan bahwa nantinya pihak pengelola akan memberikan bantuan kepada bus Transjakarta dengan memperlebar jalan di bagian-bagian tertentu untuk dibuatkan halte. “Ini akan membuat lalulintas tidak akan terganggu,” ujarnya.

Sekadar informasi, proyek enam ruas jalan tol ini akan menelan investasi senilai Rp42 triliun dan diperkirakan dioperasikan serta dibangun oleh Jakarta Toll Development yang menjadi satu-satunya perusahaan yang lolos kualifikasi proyek tol dengan panjang total 69,7 km itu. (art)

Oktober 23, 2012

beautiful: emaaa(Rp580K)aa$ … 231012

Filed under: EMAS or GOLD...ce'ileh... — bumi2009fans @ 4:23 am

Diburu Investor, Harga Emas Melonjak
Investor emas dari India tengah memburu emas.
Selasa, 23 Oktober 2012, 11:18 Syahid Latif

VIVAnews – Dipicu besarnya permintaan pembeli, harga komoditas emas kembali menguat setelah bertengger di level US$1.720 per ounce. Emas kembali menguat setelah sempat melemah ke level terendahnya sejak sebulan terakhir.

Dikutip dari laman Reuters, Selasa, 23 Oktober 2012, harga emas hingga pukul 02.43 GMT atau 09.43 WIB, bergerak di kisaran US$1.726,56 per ounce. Sehari sebelumnya, harga emas sempat anjlok ke level US$1,713 per ounce akibat aksi spekulasi investor.

“Kami tak banyak berharap kecuali ada kejutan besar dari bank sentral AS (the Fed),” ujar Managing Director Goldsilver Central Pte Ltd, Brian Lan, di Singapura.

Lan mengaku, prospek emas di kawasan Asia masih menunjukkan tren positif. Hal itu ditandai besarnya permintaan investor yang ingin membeli emas, terutama ketika harga tengah dalam tren menurun.

Dari pasar Tanah Air, harga emas batangan yang dikeluarkan Unit Bisnis Pengolahan dan Pemurnian (UBPP) Logam Mulia PT Antam Tbk bertengger di posisi Rp580,250 per gram untuk ukuran 1 gram. Harga emas dengan berat terbesar yaitu 250 gram dijual pada harga Rp135,25 juta atau Rp541 ribu per gram.

Dibandingkan harga sehari sebelumnya sebesar Rp574,2 ribu, harga emas ukuran 1 gram tercatat menguat sebesar Rp6.000 per gram. Level ini naik dari posisi Jumat lalu yang sebesar Rp544.500 per gram.

Laporan ANZ menyebutkan, harga support emas diperkirakan berada di level US$1.725 per ounce. “Market tengah menunggu hasil pertemuan bank sentral, namun kami perkirakan tak ada tanda-tanda baru soal stimulus,” kata ANZ.

Pasar fisik emas di kawasan Asia juga berada dalam tekanan, setelah permintaan yang kuat dari konsumen India usai penurunan harga beberapa waktu lalu. Sementara itu, harga premium dinikmati investor Singapura.

“Mungkin India akan membeli lagi bila harga tak terlalu naik tinggi. Satu hal yang harus menjadi catatan, penguatan nilai tukar mata uang Indonesia dan Thailand sangat kuat, sehingga emas menjadi kurang menarik bagi investor,” kata broker di Singapura.

Sementara itu, Head of Research and Analysis PT Monex Investindo Futures, Ariston Tjendra, mengatakan, rebound harga emas kemarin sempat tertahan dan bergerak tipis mendatar di kisaran US$1.722-1.729 per ounce. Tekanan harga emas masih bisa ke bawah dan bakal menguji kembali area terendahnya di level US$1.714 dengan posisi US$1.733 per ounce menjadi resistennya.

“Penguatan di atas US$1.733 per ounce akan membuka peluang kenaikan selanjutnya ke resisten berikutnya US$1.753 per ounce,” ujar Ariston dalam analisisnya hari ini.

Dia menjelaskan, terdapat dua sentimen bertolak belakang yang dapat menggerakkan harga emas. Yang pertama adalah kabar dari Spanyol yang cukup positif bagi instrumen berisiko termasuk emas.

Partai berkuasa saat ini di Spanyol memenangi salah satu pemilu regional akhir pekan lalu. Kondisi itu dapat membuka peluang bagi perdana menteri saat ini untuk mengajukan permintaan bailout secara formal sesuai dengan ekspektasi pasar.

Namun, di sisi lain, penguatan dolar AS terhadap yen dan beberapa mata uang lain membuat harga emas tertekan. (art)

Oct. 20, 2012, 9:01 a.m. EDT
10 nations that control the world’s gold

By 24/7 Wall St.

It is now more obvious than ever that gold is becoming the new global reserve currency. Continuous and aggressive central-bank actions from the United States and Europe are driving the demand for gold. Investors have not yet seen any of the real hyperinflationary pressures that seem likely down the road.

Gold’s substantial rise in price should speak for itself. In dollar terms, gold returned 11.1% in the third quarter and was up by 16% year-to-date through the end of the quarter. The World Gold Council said that gold has a low stock-market correlation through time. That was not the case in the third quarter. Gold still outperformed almost all the major equity markets in the largest gold-holding nations in 2012.
24/7 Wall St. analyzed how the gold rankings compare to each major nation’s gross domestic product and how those figures compare to the top 10 holders of gold. What is surprising in some cases is how countries with the largest GDP are not necessarily the largest holders of gold. Two small nations, the Netherlands and Switzerland, are major holders of gold. Under the terms of the Central Bank Gold Agreement among major European states, many countries are supposed to be selling gold but are not.

The United Kingdom’s $2.43 trillion in GDP is the world’s seventh largest, but its gold holdings of 310.3 tonnes rank only 17th in the world and account for only 15.9% of its total foreign reserves. Does the old term “pound sterling” mean that the British banks really care more about silver? Another standout exception is Brazil, which has tiny gold reserves compared with its GDP. Its $2.5 trillion in GDP ranks sixth in the world, yet it holds only 33.6 tonnes of gold, or 0.5% of foreign reserves. Brazil ranks a surprising 52nd in the world among gold holders.

The International Monetary Fund is the third-largest official holder of gold, with more than 2,814 tonnes. The European Central Bank ranks right behind India, with 502.1 tonnes and 32.3% of its total foreign reserves held in gold. Central bank buying of gold was recently undertaken by Russia, Turkey, Ukraine and the Kyrgyz Republic. Turkey went as far as raising the gold reserve requirements for its commercial banks.

MarketWatch senior columnist Chuck Jaffe joins Markets Hub to explain why memories of the crash of 1987 are still so vivid, but not the losses.

The World Gold Council report shows low borrowing costs and the support of financial markets spur gold accumulation. Gold is no longer just an inflation hedge; it is the key protection against a global race to devalue currencies, even if consumer prices are somewhat stable. Bonds pay historically low rates and stock market volatility has spooked many investors, so gold is becoming the true safe haven.

Major central banks are growing their balance sheets by purchasing trillions of dollars in paper assets. The World Gold Council said that research showed that a 1% change in money supply, six months prior, in the United States, Europe, India and Turkey tends to increase the price of gold by 0.9%, 0.5%, 0.7% and 0.05%, respectively. The Council also said that inflation is still several years off and many central banks have been more worried about deflation. Investors would be well advised to heed a warning from bond king Bill Gross, who told global investors to have exposure to hard assets, which will rise in value with inflation.

24/7 Wall St. has listed the 10 nations with the largest gold reserves, along with the percentage of total foreign reserves held in gold, each nation’s 2011 GDP and how it ranks in the world, and the local stock market performance. We have added analysis about how the potential unraveling of the euro could play into the future buying or selling of gold by European nations. For nations outside Europe, we have provided some historical context and predicted the path that their central banks are likely to follow in the years ahead.
10. India

Gold reserves: 557.7 tonnes

Percentage of total foreign reserves: 10%

GDP: $1.82 trillion (10th highest)

Stock performance: Bombay BSE up 7.6% in Q3, up 21% YTD

While India ranks 11th on the World Gold Council list, it is 10th if you remove the International Monetary Fund. India has been a steady buyer of gold over time. That is likely to continue as the government needs to support its currency, even if the economy is volatile. India became an aggressive buyer in 2009, when it spent almost $7 billion to buy 200 tonnes of gold, which the IMF sold to raise capital. For the economy to support 1.2 billion people, the central bank must hold gold and hard assets. The Indian population is a large consumer of gold for jewelry and there is high demand for the precious metal to store wealth. India will thus continue to buy gold in the years ahead.
9. Netherlands

Gold reserves: 612.5 tonnes

Percentage of total foreign reserves: 59.8%

GDP: $838 billion (17th highest)

Stock performance: AEX up 5.1% in Q3, up 3.4% YTD

It is surprising that the Netherlands has so much gold. But it is also important to recall that the country is a former colonial power and has a long history as a very wealthy nation. Its population of 16.7 million ranks 63rd among all nations, while its GDP is the 17th largest in the world. As with some European nations, the Netherlands did not sell all the gold provided for by the Central Bank Gold Agreement. Now that the Netherlands is under some of the same pressure as many other European nations, it is unlikely to be a big seller of gold. It may need that gold to protect itself if the euro comes unraveled.
8. Japan

Gold reserves: 765.2 tonnes

Percentage of total foreign reserves: 3.2%

GDP: $5.86 trillion (3rd highest)

Stock performance: Nikkei 225 fell 1.5% in Q3, up 4.6% YTD

Japan has to hold large amounts of gold. The Bank of Japan has held interest rates at almost zero for about two decades. It recently sold gold so that it could pump about $200 billion worth of yen into the economy as stimulus after the tsunami and nuclear disaster threatened to send Japan back into recession. At some point in the future, Japan may need to buy that gold back to support its large monetary base. Until then, the yen remains one of the stronger global currencies, which makes exports more expensive. Japan’s population of 127 million is aging rapidly and birthrates are extremely low.
7. Russia

Gold reserves: 936.7 tonnes

Percentage of total foreign reserves: 9.6%

GDP: $1.85 trillion (9th highest)

Stock performance: MICEX down near 4% in Q3, negative YTD

Russia continues to buy gold as its global economic ambitions grow. A previous 24/7 Wall St. analysis showed that Russia’s reserves were 784 tonnes in early 2011 after it bought 120 tonnes in the first 10 months of 2010, more than 100 tonnes in 2009 and close to 70 tonnes in 2007. The World Gold Council reported that Russia has added more gold, so that reserves likely will rise yet again. Russia is extremely wealthy in natural resources, and President Vladimir Putin and his allies want it to become more of an economic superpower. With a population of 142 million and Russia’s GDP of $1.85 trillion, its holdings of gold are likely to surge.
6. Switzerland

Gold reserves: 1,040.1 tonnes

Percentage of total foreign reserves: 11.5%

GDP: $660 billion (19th highest)

Stock performance: Swiss Market up 7% in Q3, up 9.4% YTD

Switzerland is the world’s private banker and so must be a top holder of gold. Still, it is amazing to consider that its population is barely 7.9 million and it ranks 95th in the world for population. Also, its dollar-adjusted GDP of $660 billion ranks only 19th. Switzerland sold gold from 2003 to 2008, right before the huge run up in gold prices. If Switzerland needs to devalue its currency to remain competitive, it can always sell more gold. Unless global banking disappears entirely, the Swiss will remain one of the largest holders of gold in the generations ahead.
5. China

Gold reserves: 1,054.1 tonnes

Percentage of total foreign reserves: 1.7%

GDP: $7.3 trillion (2nd largest)

Stock performance: Shanghai Composite 6.6% lower in Q3, 5.4% lower YTD

China’s economy has stumbled to the point that its official growth rate of 7.4% in the third quarter may feel like a recession. China has the ambition of becoming the largest economy in the world. It already is considered the world’s manufacturer. China must have hard assets along with its U.S. Treasury bondholdings to keep its currency pegged to the U.S. dollar. It has the world’s largest population, with more than 1.3 billion people, yet its GDP of almost $7.3 trillion is still not even half that of the United States. Whenever the yuan truly floats, China will have to have more hard assets and more transparent economic readings to support it. China added some 454 tonnes of gold between 2003 and 2009. When it finally adjusts its official gold holdings in the coming months, they are likely to be higher again.
4. France

Gold reserves: 2,435.4 tonnes

Percentage of total foreign reserves: 71.6%

GDP: $2.77 trillion (5th largest)

Stock performance: CAC rose 4.9% in Q3, up 6.1% YTD

France finds itself in an interesting position. Socialist president Francois Hollande is on a quest against many of the austerity measures implemented by his predecessor, Nicolas Sarkozy. France does not want to lose its “second-best economy” status in the euro zone, behind Germany. It will have to pay for the new economic measures and this poses a particular problem because the extremely wealthy, who are being targeted for high taxes, may continue to leave the country. France may ultimately need to sell gold. Although it is part of the Central Bank Gold Agreement as a gold seller, it may need a cushion in case the euro faces an outright breakup.
3. Italy

Gold reserves: 2,451.8 tonnes

Percentage of total foreign reserves: 72%

GDP: $2.2 trillion (8th largest)

Stock performance: Borsa Italiana MIB rose 5.7% in Q3, flat YTD

Italy is a financially troubled nation, and it is truly too big to bail out. By many measures it is the greatest economic risk to the rest of Europe and the balance of the major world economies. Italy’s 61 million population ranks 23rd in the world, but its dollar-adjusted GDP of almost $2.2 trillion ranks it as the 8th largest economy. The Italian government was also part of the Central Bank Gold Agreement, but there is a real conundrum now. Italy could sell gold to raise capital, but then it would lose its cushion if the euro unravels. It is almost impossible to imagine that Italy would be a buyer of gold because it has too many pensioners and benefits to pay for as is.
2. Germany

Gold reserves: 3,395.5 tonnes

Percentage of total foreign reserves: 72.4% of foreign reserves

GDP: $3.6 trillion (4th largest)

Stock performance: DAX rose 12.4% in Q3, up 22.3% YTD

Despite forced gold sales from ECB nations in the past, Germany likely has to maintain its underlying asset base as it is the anchor of the euro. The euro after all, is a watered-down version of the deutsche mark. Germany’s population of 81 million ranks 16th in the world, but its $3.6 trillion adjusted GDP ranks fourth. What could happen if Germany started accelerated gold sales to buy up even more paper assets from the PIIGS (Portugal, Italy, Ireland, Greece and Spain) and more paper assets of their banks? The initial reaction might be positive for the euro-zone economies. However, Angela Merkel and her successors might be left with high inflation without hard assets as a cushion. Germany is supposed to be a gold seller under the Central Bank Gold Agreement, but it is likely to hold what it can as a buffer in case the euro breaks up or in case it needs to raise quick bailout cash for the PIIGS.
1. United States

Gold reserves: 8,133.5 tonnes

Percentage of total foreign reserves: 75.4%

GDP: $15 trillion in GDP (the largest)

Stock performance: S&P 500 up 5.7% in Q3, up 14.5% YTD

It should be no surprise that the U.S. is the largest holder of gold as the dollar is the global reserve currency and the U.S. has by far the largest GDP of any nation. The growth of the Federal Reserve’s balance sheet can only be sustained without dire consequences if it is backed by hard assets like gold. Imagine if the conspiracy theorists are right and that Fort Knox and other repositories do not have gold in them. It is this gold, the massive U.S. GDP and America’s underlying wealth of natural resources that keep the dollar as the world’s reserve currency. If the World Gold Council is right in its assessments of inflation and gold, then the U.S. is likely to hold its reserve currency status for quite some time, even if credit rating agencies continue to downgrade the country.

Oktober 12, 2012

beautiful: perlakuan perawat/patient coordinator …

Filed under: Medicine — bumi2009fans @ 1:32 pm

kasus Prita dan Koin Prita maseh lom lenyap dari memori publik
namun UU ITE yang berisikan pasal-pasal karet, sungguh maseh menghantui para pihak yang sebenarnya ingin menyampaikan kritik namun cemas risiko untangible yang mungkin dialaminya, setelah kritik disampaikan.
sudah menjadi rahasia umum bahwa pada antrian praktek dokter-dokter terkenal, yang rame antriannya, biasanya praktek mendahului nomor antrian maseh banyak DIPRAKTEKKAN
terutama terjadi pada praktek dokter ternama yang sudah lama berpraktek atau pada praktek dokter yang tidak dikelola secara profesional.
pada lingkup rumah sakit, biasanya rs yang sudah lama eksis mempunyai perilaku dan kultur koruptif seperti itu.
menurut pengamatan umum, RS yang baru berdiri biasanya amat menerapkan KETERTIBAN dalam pengaturan nomor antrian praktek dokter.
misalnya, ada pasien yang sudah mendaftarkan diri pada hari dan jam yang ditentukan, lalu pasien datang pada hari dan sekira jam yang dimaksudakan. NAH, pada prakteknya, pada RS yang baru biasanya akan terjadi perilaku dan kultur tertib antri yang ketat. Namun tidak demikian pada RS yang sudah lama eksis atau praktek dokter yang sudah lama berprakterk dan selalu rame, karena biasanya pasien dengan nomor antrian yang lebih terkemudian akan bisa mendapatkan giliran konsultasi yang lebe awal.
Sudah tentu berkembang isu atau rumor atau kisik-kisik atau bisik-bisik dari para keluarga atau pasien sendiri bahwa perawat atau patient coordinator MENERIMA KICK BACK.
well, yang jadi soal, apa perlu ADA INTERVENSI OLEH KOMISI PEMBERANTASAN KORUPSI khusus bidang KESEHATAN juga … well, up2u lah
… gw cuma bisa membayangkan betapa keluarga atau pasien AKAN TETAP SEMAKIN BANYAK BEROBAT KE LUAR NEGERI karena perilaku dan kultur yang TIDAK TERTIB AZAS dan cenderung koruptif ini, selain karena faktor-faktor lainnya. 😦

Hasil analisa menunjukkan dalam setahun terdapat rata-rata 1,2 juta orang Indonesia
yang berobat ke luar negeri. Menteri Pariwisata dan Ekonomi Kreatif Mari Elka Pangestu

Itu menyebabkan rata-rata uang Indonesia yang lari ke luar per tahun sebesar Rp1,2 triliun.
Ini sangat besar dan kontraproduktif dengan upaya pemerintah Indonesia untuk menjadikan
Indonesia sebagai wisata kesehatan.

Menurut Menparekraf, jumlah itu bisa dicegah dengan meningkatkan kualitas pelayanan
kesehatan mulai dari fasilitas dan SDM. (media/ps)

beautiful: PAKAR bi$4 BANGKRUT juga … 121012

Filed under: Investasi Umum — bumi2009fans @ 1:32 am

Pakar Investasi Rich Dad Poor Dad Terancam Bangkrut?
Kini, dia harus memohonkan kepailitan salah satu perusahaannya.
Jum’at, 12 Oktober 2012, 08:01 Syahid Latif
Pengarang buku ternama Rich Dad Poor Dad mendaftarkan kepailitan satu perusahaannya

VIVAnews – Pakar investasi, Robert T Kiyosaki, yang pernah tersohor dengan karyanya Rich Dad Poor Dad tampaknya masih harus belajar lagi. Sang Guru yang banyak memberikan tips keuangan ini justru mendaftarkan kepailitan salah satu perusahaannya setelah pengadilan memberikan sanksi denda US$24 juta.

Pada April lalu, Rich Global LLC, salah satu perusahaan Robert Kiyosaki, diperintahkan untuk membayar denda US$23.687.975,21 kepada Learning Annex dan pendiri sekaligus chairman Annex, Bill Zanker.

Dikutip VIVAnews dari laman Forbes, The Learning Annex merupakan salah satu penyokong awal Kiyosaki yang membantunya menggelar sejumlah seminar kelas atas ketika muncul perdananya di dunia bisnis. Salah satu seminarnya terbesarnya pernah digelar di Madison Square Garden pada 2002.

Laman Dailymail mengungkapkan, para juri di Pengadilan Negeri di AS menilai Zanker dan Annex berhak untuk mendapat sejumlah keuntungan dari perjanjian yang dibuatnya bersama Kiyosaki.

Bahkan, kepada New York Post, Zanker mengklaim sebagai pihak yang membuat nama penulis buku Rich Dad Poor Dad ini mendunia. “Saya membuat merek Kiyosaki dan membuatnya menjadi besar. Perjanjiannya, saya akan mendapat beberapa persen, namun dia berkhianat,” kata dia.

“Kami telah menandatangani nota penawaran. Learning Annex adalah promotor besar. Kami menempatkan merek Rich Dad di atas panggung. Kami benar-benar menyiapkannya untuk menjadi terkenal dan kaya, namun ketika waktunya membayar, dia mengatakan tidak,” imbuh Zanker.

Buku Rich Dad Poor Dad tercatat telah terjual sebanyak 26 juta dan melambungkan nama Kiyosaki sebagai penasihat keuangan terkenal.

Sejumlah selebriti dunia seperti Will Smith, Oprah Winfrey, hingga Donald Trump mengaku menyukai saran-saran investasi dari Kiyosaki.

Mike Sullivan, Chief Executive Officer (CEO) Rich Dad Co, menjelaskan, pendaftaran kepailitan perusahaan ini takkan menyertakan sejumlah aset pribadi milik Kiyosaki. Bahkan, Sullivan mengklaim nilai aset yang diserahkan lebih banyak dibandingkan Rich Global LLC.

“Kami tak kaget jika Learning Annex kecewa dan murka, uang itu tak ada di perusahaan ini. Kami tak bisa menyerahkan uang itu keluar dari perusahaan,” kata Sullivan. (art)

Today’s Paper

New York Post

After a long, lucrative career writing financial self-help books and giving seminars, “Rich Dad Poor Dad” author Robert Kiyosaki has filed for bankruptcy for one of his companies after losing a $24 million court judgment.

Kiyosaki’s Rich Global LLC filed for bankruptcy after being ordered to pay nearly $24 million to the Learning Annex and its founder and chairman, Bill Zanker.

US District Judge Shira A. Scheindlin in April ordered Rich Global to pay up $23,687,957.21 after a jury ruled Kiyosaki must give the Learning Annex a percentage of his profits after using their platform for speaking engagements, including a 2002 gig at Madison Square Garden. Rich Global filed for bankruptcy in Wyoming on Aug. 20.
NY Post

Zanker told us, “I took Kiyosaki’s brand and made it bigger. The deal was I would get a percentage, and he reneged. We had a signed letter of intent. The Learning Annex is the greatest promoter. We put his ‘Rich Dad’ brand on a stage. We truly prepared him for great fame and riches. But when it was time for him to pay up, he said ‘no.’ ” This has taken years in court. I won even more money than I asked for from the jury, then he declared corporate bankruptcy. Oprah believed in him, and Will Smith believed in him, but he didn’t keep his promise to us.”

Kiyosaki published “Rich Dad Poor Dad” in 1994, and has since written 11 other books. He now does business through as many as 10 corporations.

Mike Sullivan, CEO of Kiyosaki’s Rich Dad Co., told us that Kiyosaki, said to be worth $80 million, was still doing very well thanks to investments in other companies: “The dealings we had with Learning Annex were with a company that hasn’t been in business for a number of years . . . I am not surprised Learning Annex is upset and angry, the money doesn’t exist in that company, and we can’t bring money out of the group.

“Robert and [wife] Kim are not paying out of personal assets. We have a few million dollars in this company, but not 16 or 20. I can’t do anything about a $20 million judgment . . . We got hit for what we think is a completely outlandish figure.”

Oktober 8, 2012

beautiful: sel puncA nobEL … 091012

Filed under: Medicine — bumi2009fans @ 11:46 pm

Penemu Sel Punca Mendapat Nobel Kedokteran
Penulis : Lusia Kus Anna | Senin, 8 Oktober 2012 | 17:51 WIB

Kompas.com – Ilmuwan Inggris, Briton John Gurdon dan Shinya Yamanaka asal Jepang memenangi Hadiah Nobel kedokteran tahun 2012. Penghargaan diberikan untuk karya mereka menemukan sel punca (stem cells) yang tidak berasal dari embrio.

Terapi sel punca berkembang pesat dalam satu dekade terakhir. Sebelumnya terapi sel punca mendapat kecaman dari kalangan agama yang fanatik karena risetnya menggunakan embrio manusia.

Temuan yang dilakukan oleh Gurdon dan Yamanaka menunjukkan sel punca bisa dihasilkan dari sel punca hasil reprogramsel somatik (induced pluripotent cells) yang berasal dari sel-sel kulit manusia. Ini merupakan terobosan besar yang membuka pintu pada metode baru dalam diagnosa maupun pengobatan penyakit karena tidak perlu memanfaatkan sel punca dari pembiakan embrio.

“Karya mereka adalah penemuan besar yang mengubah cara kita melihat perkembangan dan fungsi sel,” demikian pernyataan panita Nobel dari Sweden Karolinska Institute.

Penemuan tersebut juga dianggap menawarkan cara baru untuk pengobatan penyakit.

Kedokteran adalah bidang pertama yang diganjar Hadiah Nobel setiap tahunnya. Hadiah untuk bidang sains, sastra, dan perdamaian pertama kali diberikan di tahun 1901 sesuai dengan wasiat penemu dinamit dan seorang pengusaha sukses Alfred Nobel.

Oktober 5, 2012

beautiful: emaaa($1791)aa$ … 051012 (hut TNI + BRI$)

Filed under: EMAS or GOLD...ce'ileh... — bumi2009fans @ 12:59 pm

Masih ‘Kinclong’, Harga Emas Batangan Antam Naik Goceng
Herdaru Purnomo – detikfinance
Jumat, 05/10/2012 10:33 WIB
Jakarta – Harga emas batangan di Logam Mulia milik PT Aneka Tambang Tbk (Antam) terus melesat naik. Hari ini harga emas batangan Antam naik Rp 5.000/gram setelah hari sebelumnya sempat naik Rp 2.000/gram.

Dikutip detikFinance dari situs Logam Mulia, Jumat (5/10/2012), harga emas batangan pecahan 1 gram naik dari Rp 589.200 per gram, menjadi Rp 594.200 per gram.

Harga emas batangan Logam Mulia memang sangat tergantung pada pergerakan emas internasional dan juga nilai tukar rupiah terhadap dolar AS.

Sementara harga buyback atau pembelian emas jika konsumen menjual kembali ke Antam naik dari Rp 519 ribu per gram menjadi Rp 525 ribu per gram.

Berikut harga emas batangan yang dijual oleh Logam Mulia Antam hari ini:

Pecahan 1 gram Rp 594.200
Pecahan 5 gram Rp 2.821.500
Pecahan 10 gram Rp 5.602.000
Pecahan 25 gram Rp 13.930.000

(dru/dnl)

Emas kembali cetak rekor tertinggi
Oleh Dina Farisah, Anna Marie Happy – Jumat, 05 Oktober 2012 | 06:43 WIB

JAKARTA. Harga emas kembali sentuh rekor tertinggi baru. Sinyal akan adanya stimulus dari Eropa memicu kenaikan harga emas. Para analis proyeksi akan ada level tertinggi baru.

Kemarin (4/10) sampai pukul 18.00 WIB harga emas naik 0,64% ke US$ 1.791,20 per ons troi. Harga emas di bursa Nymex AS pengantaran Desember 2012 adalah harga emas tertinggi sejak 22 September 2011. Sementara harga emas logam mulia pun naik 0,34% di Rp 589.200 per gram.

Tedy Badrujaman, Sekretaris Perusahaan PT Aneka Tambang Tbk mengaku, aktivitas penjualan emas memang sangat ramai. Bahkan saat harga emas meroket. Menurut dia, emas dicari lantaran telah menjadi safe haven. Apalagi harga emas terus naik.

Selain dari faktor permintaan, sentimen global menjadi faktor pendongkrak terbesar. Zulfirman Basir, Analis Riset Monex Investindo Futures menyebut, sinyal adanya pelonggaran moneter dari bank sentral di dunia menjadi pendorong kenaikan harga emas.

Kamis malam (4/10), akan ada pertemuan bank sentral Eropa dan Inggris. Selanjutnya, Jumat (5/10) akan ada pertemuan bank sentral Jepang. Para pelaku pasar berspekulasi akan ada pelonggaran moneter.

Ibrahim, Analis Senior Harvest International Futures bilang, jika ini benar maka inflasi akan naik. Dengan demikian, pasar beralih ke safe haven seperti emas.

Tren naik

Selain itu, Zulfirman bilang, proyeksi rilis data tenaga kerja Amerika Serikat yang masih memburuk akan mengangkat harga emas. Sebab emas dirasa sebagai instrumen paling tepat. Estimasi tingkat pengangguran AS masih tinggi, yakni di atas 8%.

Karena alasan tersebut, para analis sepakat harga emas masih akan menembus level tertinggi baru. Zulfirman menganalisa, jika harga emas tidak berhasil ditutup di US$ 1.791 maka ada potensi aksi ambil untung. “Harga emas jangka panjang masih bullish,” ujar dia.

Zulfiman bilang, harga emas berpotensi menuju ke US$ 1.800 per ons troi. Dia pun yakin dalam waktu dekat, harga emas akan kembali memecahkan rekor tertinggi di US$ 1.830 per ons troi. Asal, penutupan harga emas mingguan menembus level US$ 1.803 per ons troi.

Prediksi Ibrahim, harga emas masih akan menguat hingga akhir bulan. Kisaran harganya di US$ 1.717,17 – US$ 1.804,32 per ons troi. “Harga emas berpeluang menyentuh US$ 2.000 per ons troi,” kata dia.

Harga emas batangan pun diproyeksi naik. Zulfiman memperkirakan bisa menyentuh Rp 600.000 per gram. Asal harga emas berhasil menyentuh level US$ 1.803 per ons troi. Selain itu, nilai tukar dollar AS masih di Rp 9.600.

Ini dia hasil pertemuan nasabah BRIS dengan BI
Oleh Anna Suci Perwitasari – Kamis, 04 Oktober 2012 | 19:18 WIB
kontan

JAKARTA. Setelah bertemu dengan Bank Indonesia selama kurang lebih 1.5 jam, para nasabah BRI Syariah mengaku belum puas walaupun sudah lega mengingat aspirasinya telah disampaikan ke bank sentral. “Sebenarnya belum puas karena belum ada kesimpulan tapi yang penting aspirasi sudah disampaikan,” kata Djoko Prabowo Saebani, kuasa hukum ketujuh nasabah BRI saat ditemui di Jakarta, Kamis (4/10).

Pertemuan yang berlangsung di lantai 22 gedung Radius Prawiro tersebut terdiri dari rombongan nasabah BRIS beserta kuasa hukumnya yang berjumlah 12 orang (tujuh nasabah dan lima kuasa hukum) dan lima pegawai BI yang berada di divisi pengawasan Syariah dan divisi mediasi. Dalam acara yang mediasi tersebut, ketujuh nasabah tersebut mengeluarkan keluh-kesahnya terkait produk BNI syariah yang bernama Gadai Syariah.

Ketujuh nasabah yang datang antara lain Butet Kartaredjasa, Robert Sugiharto, Elsje Hartini, Tan leo Hardianto, Indah Sulistiyo Wati, dan Mohammad Widodo. Sementara dari pihak BI yang menemui nasabah BRIS ini dipimpin oleh Kepala Group Perbankan Syariah BI Nawawi.

Dalam perbincangan yang juga diikuti Kontan tersebut terlihat seluruh nasabah merasa sangat dirugikan oleh penjualan aset yang dilakukan pihak BRIS. Padahal dalam dokumen yang ditandatangani kedua belah pihak (antara nasabah dan BRIS) seharusnya emas (aset) tersebut dilelang bukan dijual.

Dan secara khusus Butet pun meminta agar Direktur Eksekutif Perbankan Syariah BI Edy Setiadi mencabut pernyataannya mengenai dirinya yang disebut menolak untuk membayar ujrah. “Saya sudah siapkan dana di BRI Syariah untuk bayar ujrah (biaya penitipan), di mana BRIS bisa langsung mendebet. Tapi hingga Agustus 2012 lalu mereka tidak mendebetnya. Jadi itu bukan karena saya yang tidak mau bayar,” jelas Butet.

Selain itu, para nasabah yang mayoritas berasal dari Semarang ini menyebut jika akibat masalah ini mereka terkena masalah di BI checking. “Sehingga kami tidak dapat melakukan kredit lagi dan pemulihan ini kan memakan waktu dua tahun. Ini namanya kematian perdata,” ungkap Robert.

Mereka pun mempermasalahkan BRIS berani menjual aset mereka di bulan Agustus, padahal pihaknya telah meminta tenggat waktu hingga 30 September. Dan dalam pertemuan yang sebelumnya sempat digelar antara nasabah dengan BRIS, periode tersebut sudah disetujui, yang tidak menemukan titik temu adalah mengenai masalah ujrah.

Para nasabah menginginkan agar mereka tidak dikenai ujrah tapi BRIS hanya mau memberikan diskon 40%. “Dan itukan di masa negosiasi, seharusnya mereka tidak boleh langsung menjual. Bahkan seharusnya di lelang dan kami diperbolehkan untuk ikut lelang,” jelas Hardianto.

Berikut ini hasil yang didapat dalam mediasi dengan nasabah tersebut :
1. Mencabut pernyataan di media massa yang menyebut jika Butet tidak mau membayar ujrah (khusus untuk Edy Setiadi).
2. Jika emas para nasabah belum dijual, maka dapat dijual dengan harga saat ini. Sehingga nasabah dapat membayar ujrah dan juga mendapat keuntungan dari penjualan tersebut.
3. Jika sudah terjual, maka BRIS harus membayar dengan ke nasabah sesuai dengan harga emas saat ini (ganti rugi).
4. Pemulihan nama baik ke beberapa nasabah yang terdapat pada BI Checking dan dari bi ada kesan netral dan diselesaikan dengan pihak bank syariah.

Setelah mendengarkan unek-unek dari nasabah BRIS ini, BI berencana memanggil BRI Syariah. “Agenda selanjutnya akan kami tanya ke BRIS. Biar menemukan titik tengahnya,” pungkas Nawawi.

Oktober 3, 2012

beautiful: emaaa(SOLIDddddd)aa$ … 031012

Filed under: EMAS or GOLD...ce'ileh... — bumi2009fans @ 1:09 am

Terjerumus kilau janji investasi emas
Oleh Narita Indrastiti – Rabu, 03 Oktober 2012 | 06:33 WIB

JAKARTA. Hati-hati perusahaan broker. Jika salah pilih bisa jadi Anda malah menderita rugi besar. Ini yang dialami oleh para nasabah

PT Solid Gold Berjangka (SGB)

.

Salah satu nasabah itu adalah Frederica Yolanda Gunawan. Karena minim pengetahuan tentang investasi, uang miliaran rupiah melayang. Frederica cerita, tergiur berinvestasi di sana karena tawaran wakil pialang resmi SGB bernama Sutrisno.

Frederica mendapat janji keuntungan besar dengan risiko nol. Ia yang tidak paham akhirnya setuju membuka akun awal Rp 100 juta pada 14 Februari 2012. “Saya tidak paham trading, makanya saya setuju menggunakan jasa broker, atas rekomendasi Sutrisno, yaitu Yeni,” ungkap dia, Senin (31/9).

Untung di awal

Hanya dalam beberapa minggu trading, Frederica sudah merasakan keuntungan sebesar Rp 6 juta. Atas rekomendasi pialang, Frederica kembali membuka akun Rp 1 miliar. Alasannya, semakin banyak membuka akun, daya tahan uang semakin kuat dan kerugian semakin kecil. Sampai saat ini total investasi Frederica di SGB Rp 5,02 miliar dalam tiga akun.

Frederica di bulan pertama mampu mendapat untung lumayan. Namun, harga emas yang merosot menggerus nilai investasi Frederica. Ia kemudian berniat menarik dana.

“Mereka mengancam, kalau saya mencairkan maka saya akan auto liquidation (akun tidak bisa bergerak atau di-lock),” cerita dia. Selain itu, Frederica tak mendapat transparansi transaksi.

Investor lain yang merasa dirugikan adalah Thomas Haryo. Ia juga investor

SGB Surabaya

dari pialang yang sama Sutrisno. Dua minggu pertama, ia mendapat untung 80% dari modal awal Rp 100 juta.

Tapi, pria yang mulai berinvestasi sejak Juli 2011 hanya merasakan keuntungan pada dua minggu pertama. Thomas juga diminta untuk menambah dana agar untung kian berlipat dan risiko rugi kecil. Namun, dana Thomas Rp 420 juta justru tak dapat cair. “Akun saya ternyata telah di-clear-kan secara sepihak, jadi dana saya hilang,” ujar dia.

Agus Setiabudi, pun merasakan hal yang sama. Dia hanya mendapat untung Rp 8 juta dari investasi Rp 100 juta dalam dua minggu. Ia kemudian menambah sampai Rp 55 juta. Tanpa pemberitahuan dananya tersisa Rp 11,2 juta. “Akhirnya saya menutup akun saya,” kata dia.

Manajemen SGB pun enggan berkomentar mengenai kasus ini. Frederica dan Thomas telah melaporkan ke

Badan Pengawas Perdagangan Berjangka Komoditi (Bapepti) dan Bursa Berjangka Jakarta (BBJ)

. Roy Sembel, Direktur BBJ bilang, belum mendapat limpahan kasus dari Polda Jawa Timur. Dia bilang, BBJ akan bertindak sebagai mediator antara pialang, nasabah. “Jika tidak mendapat hasil, maka akan dibawa ke pengadilan,” ujar dia.

Analis Senior Harvest International Futures, Ibrahim, mengatakan kasus para mantan nasabah janggal. Menurut aturan, wakil pialang tidak berhak bertransaksi atas akun nasabah. Menurut Ibrahim, seharusnya ada proses edukasi terhadap nasabah. Broker juga wajib transparan.

Oktober 1, 2012

beautiful: (lage) rahasia BUFFETT (bi$4 $uk$3$) … 010912

Filed under: Investasi Umum — bumi2009fans @ 12:25 am

The secrets of Buffett’s success
Beating the market with beta
the economist
Sep 29th 2012 | from the print edition

IF INVESTORS had access to a time machine and could take themselves back to 1976, which stock should they buy? For Americans, the answer is clear: the best risk-adjusted return came not from a technology stock, but from Berkshire Hathaway, the conglomerate run by Warren Buffett. Berkshire also has a better record than all the mutual funds that have survived over that long period.

Some academics have discounted Mr Buffett as a statistical outlier. Others have simply stood in awe of his stock-picking skills, which they view as unrepeatable. But a new paper* from researchers at New York University and AQR Capital Management, an investment manager, seems to have identified the main factors that have driven the extraordinary record of the sage of Omaha.

Understanding the success of Mr Buffett requires a brief detour into investment theory. Academics view stocks in terms of their sensitivity to market movements, or “beta”. Stocks that move more violently than the market (rising 10%, for instance, when the index increases by 5%) are described as having “high beta”, whereas stocks that move less violently are considered “low beta”. The model suggests that investors demand a higher return for owning more volatile—and thus higher-risk—stocks.

The problem with the model is that, over the long run, reality has turned out to be different. Low-beta stocks have performed better, on a risk-adjusted basis, than their high-beta counterparts. As a related paper† illustrates, it should in theory be possible to exploit this anomaly by buying low-beta stocks and enhancing their return by borrowing money (leveraging the portfolio, in the jargon).

But this anomaly may exist only because most investors cannot, or will not, use such a strategy. Pension schemes and mutual funds are constrained from borrowing money. So they take the alternative approach to juicing up their portfolios: buying high-beta stocks. As a result, the average mutual-fund portfolio is more volatile than the market. And the effect of ignoring low-beta stocks is that they become underpriced.

Mr Buffett has been able to exploit this anomaly. He is well-known for buying shares in high-quality companies when they are temporarily down on their luck (Coca-Cola in the 1980s after the New Coke debacle and General Electric during the financial crisis in 2008). “It’s far better to buy a wonderful company at a fair price than a fair company at a wonderful price,” he once said. He has also steered largely clear of more volatile sectors, such as technology, where he cannot be sure that a company has a sustainable advantage.

Without leverage, however, Mr Buffett’s returns would have been unspectacular. The researchers estimate that Berkshire, on average, leveraged its capital by 60%, significantly boosting the company’s return. Better still, the firm has been able to borrow at a low cost; its debt was AAA-rated from 1989 to 2009.

Yet the underappreciated element of Berkshire’s leverage are its insurance and reinsurance operations, which provide more than a third of its funding. An insurance company takes in premiums upfront and pays out claims later on; it is, in effect, borrowing from its policyholders. This would be an expensive strategy if the company undercharged for the risks it was taking. But thanks to the profitability of its insurance operations, Berkshire’s borrowing costs from this source have averaged 2.2%, more than three percentage points below the average short-term financing cost of the American government over the same period.

A further advantage has been the stability of Berkshire’s funding. As many property developers have discovered in the past, relying on borrowed money to enhance returns can be fatal when lenders lose confidence. But the long-term nature of the insurance funding has protected Mr Buffett during periods (such as the late 1990s) when Berkshire shares have underperformed the market.

These two factors—the low-beta nature of the portfolio and leverage—pretty much explain all of Mr Buffett’s superior returns, the authors find. Of course, that is quite a different thing from saying that such a long-term performance could be easily replicated. As the authors admit, Mr Buffett recognised these principles, and started applying them, half a century before they wrote their paper.
* “Buffett’s Alpha”, by Andrea Frazzini, David Kabiller and Lasse Pedersen, August 2012
† “Betting Against Beta”, by Andrea Frazzini and Lasse Pedersen, October 2011

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