PT Bank Negara Indonesia Tbk (BNI) capital increase children's business is moving in the insurance sector PT BNI Life Insurance. BNI is now controlled 85.11% shares in BNI Life, which increased from the original 69.11%. 

BNI inject funds of Rp 99,999 billion, equivalent to 53,207,500 units of shares. Such statements from the representatives of Division II leaders Communications Company and Kesekretariatan BNI, RPH Noegroho in the openness of information to the Indonesian Stock Exchange, as quoted detikFinance, Saturday (27/12/2008). 

Addition of capital with consideration to maintain the level of solvency company RBC (Risk-Based Capital) at least 120%. 

This is to meet government regulations No. 39 in 2008 on top of changes in both government regulations No. 73 of 1992 on Providing business companiesare (Article 6b), which sounds an insurance company must have capital of at least Rp 100 billion at the latest 31 December 2010. 

Addition of capital is also to the development of business outlets such as the development of banncassurance became 500 outlets, opening sales offices in 10 major cities, the development of sharia, the development of IT terintegerasi, office buildings and expansion of the center. 

In addition to BNI shareholders BNI Life is YDD Swadharma 8.46%, YKP BNI 5.94% and 0.49% YKK Jiwasraya. Currently, the total capital BNI Life of Rp 102,736 billion, equal to 102,736,000 units of shares.

Owners of vehicles in the U.S. is now paying the price of fuel cheapest in the last five years. The price of fuel will last up to the Christmas holiday weekend. 

This such as Reuters, Friday (26/12/2008), the price of the national average for unleaded is U.S. $ 1.65 per gallon. One gallon = 3.8 liters, so that if converted into local currency rupiah with $ 11.000/US the price of gas in the U.S. of Rp 4,776 per liter. 

This price is lower than the premium price in Indonesia is now Rp 5,000 per liter. The price of fuel in the U.S. this week down half a cent compared to the previous week and less than U.S. $ 1.33 compared to the same period last year. 

The price of fuel in the U.S. this week after the lowest price at Christmas 2003 in the level of U.S. $ 1.49 per gallon. Announcement of the price of fuel in the U.S. for this weekend, based on a survey conducted by the Energy Information Administration all refueling station. 

The collapse of the price of fuel in the U.S. is the impact of the decrease in demand due to weakening U.S. economy that continues to linger. 

World oil prices in Asian trade on Friday, the market is (26/12/2008) experienced post-Rebound fallen to levels terendahnya in the last four years before the Christmas holiday two days ago. 

The price of light oil for February delivery reference markets of New York rose 93 cents to U.S. $ 36.28 per barrel. On the previous trading last Wednesday (24/12/2008) price of oil is down 3.63 to U.S. $ 35.35 perbarel position.

Similarly, with oil prices of Brent North Sea shipping in February to the trade in London, up U.S. $ 1.04 to U.S. $ 37.65 per barrel. Previous closing on Wednesday (24/12/2008) the price of oil is down U.S. $ 3.75 to U.S. $ 36.61 per barrel, which is the lowest position since July 2004. 

EIA recorded the highest fuel prices in the U.S. this weekend for the region countries to the west. San Francisco is a city termahal for gasoline sales of U.S. $ 1.82 per gallon. 

While the Rocky Mountain region to sell the lowest gasoline price of U.S. $ 1.53 per gallon. Likewise with Houston that sell refuel at cheaper prices to U.S. $ 1.48 per gallon. 

The price of gasoline in the Seattle area is U.S. $ 1.81 per gallon, the Miami U.S. $ 1.80 per gallon, Los Angeles U.S. $ 1.77 per gallon, New York City U.S. $ 1.71 per gallon, Cleveland U.S. $ 1, 64 per gallon, the Boston U.S. $ 1.63 per gallon and Denver, U.S. $ 1.54 per gallon. 

Meanwhile, the average price diesel fuel (diesel) also experienced a decrease of 5.6 cents to U.S. $ 2.37 per gallon. The price of diesel is the lowest since August 2005.

New England state to sell diesel termahal U.S. $ 2.69 per gallon, and cheapest on the Gulf Coast of U.S. $ 2.31 per gallon.

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Joint Stock Price Index (IHSG) have two days in succession in this weekend impairment. IHSG will try to reduce the pressure that is sharp. 

One of the factors that can reduce the pressure on the trade IHSG Wednesday (19/11/2008) Rebound is what happened in Wall Street. 

In trading Tuesday (18/11/2008), Dow Jones index appreciated 151.17 points (1.83%) to a level of 8424.75, the Standard & Poor's 500 appreciated thin 8.37 points (0.98%) to a level of 859 , 12 and the Nasdaq stronger thin only 1.22 points (0008%) to a level of 1483.27. 

Although churn was sharp, shares in the Wall Street Rebound can be no announcement after Hewlett-Packard (HP), which recorded good performance, muted the negative sentiment from Citigroup are exhausted. 

While the stock market opening in Japan on Wednesday morning is relatively flat with only terkoreksi thin 0.09 points or 7.79 points to 8320.62 position. 

Market in the country, will utilize the action of selective buying shares that the price is below.Movement of rupiah and Bakrie stock sentiment will also be coloring IHSG movement. 

In the closing trading stock on Tuesday yesterday (18/11/2008) IHSG anjlok 47,071 points (3.81%) to 1189.862. 

The following recommendations shares of the company's securities. 

Optima Securities 

Index back into terkoreksi 47 points to 1189 as Asian stock Hang Seng and Nikkei -4.5% -2.2%.IHSG approaching the lowest point in October and in the level of 1089. All the technical indicators are still giving bearish signal has not been any signs of reversal in the short term. Impairment still further potential return movement, with a range 1.120-1.230. 

Panin Securities 

In trading yesterday, IHSG -3.81% slump following the regional movement of stock, which is negative following the recession that occurred in Japan, and several other countries. As Japan and Singapore are the two main trade partner of Indonesia. Suffered recessionary effects of the country, will threaten the automated export performance and economic growth. Global investors are still awaiting quarterly GDP growth rate 3 of the few large countries, such as the United States which will be announced next week. 

In addition to regional factors, anjloknya value of the rupiah also be negative sentiment for the market. Along with the lack of positive sentiment, today we estimate for the foreseeable future IHSG will still be moving toward weakening support in 1106.

Joint Stock Price Index (IHSG) is estimated to be calm again on next year. Driven by the plantation sector, energy and construction, IHSG expected on gallant re-2009.

It is delivered Recapital Securities head of research Poltak Hotradero One of the new Economic Outlook 2009 at the Shangri-La Hotel, Jakarta, on Tuesday (18/11/2008). 

"In front of IHSG will be back to normal. IHSG last three years, was dominant two sectors, namely energy and plantations. Currently, two more rest this sector alone," he said. 

In addition to the two sectors, Poltak also see a sector that can sustain IHSG, namely the construction sector. Moreover, the vice president Jusuf Kalla often encourage the acceleration of construction such as ports, toll roads, and generating electricity. 

"If the roads, restore normal capital market to the more conventional such as the first, so do not be too bad," he said. 

For Poltak, the construction sector still has great potential. Change money in this sector each day could reach Rp 10 trillion. 

Not only the construction sector, the other pillar of the economy could be next year is the telecommunications and transportation will still be two-digit growth next year. Similarly, the prospects of the banking world will still be good in 2009. 

"So next year people will go back to things that are conventional, all consolidated this year and will be felt next year," he said.

Indonesian Rupiah close this weekend in the position of an 11,500-per U.S. dollar. Weakening rupiah calm Rebound in line with its market share is limited. 

In the closing trading forex 17:00 WIB, Friday (14/11/2008) data showed CNBC rupiah terkoreksi only 25 points to 11,525 positions per U.S. dollar. This was the day rupiah weakened to 11,840 per U.S. dollar. 

Meanwhile, the government weakening rupiah rate is still 'okay' compared to other local currencies. 

"The weakening rupiah, not only the view from one perspective, but viewed from the perspective wide. Korea, which has U.S. $ 500 billion in neracanya, and the currency weakened to 39 percent, while the rupiah weakened our new 19 percent, it is still okay," said Finance minister ad interim Sofyan Djalil after Friday prayers in the building of Garuda, Jakarta, Friday (14/11/2008). 

It was similar after the vice president Jusuf Kalla on Friday in the office. According to the vice president, weakening the value of local currency also occurred in some countries as a result of reduced liquidity. 

"Because the world of dollars dry up. Because the difficult search shrink the U.S. dollar. But the local exchange rate weakened, this is only the supply and demand alone. No one can hit," he said. 

Although there in almost all countries, but emphasized the government Sofyan remain alert to monitor a weaker rupiah. No half-hearted, the government will not tolerate the slightest error, including a come-from Rumor Rumor outstanding. 

"In the unstable conditions such as current, zero tolerance for error. All Rumor must be serious by the government. We will always be aware," Sofyan said.

Market share in the country can finally experience the Rebound or increase the movement of regional stock markets. Sebaliknya rupiah masih saja dalam posisi melemah. Conversely rupiah is still only in a position to weaken.

Pada penutupan perdagangan saham sesi siang, Jumat (14/11/2008) Indeks Harga Saham Gabungan (IHSG) naik 12,760 poin (1,01%) menjadi 1.272,473. In closing stock trading session day, Friday (14/11/2008) Joint Stock Price Index (IHSG) up 12,760 points (1.01%) to 1272.473.

Reboundnya IHSG ini dipacu oleh terhentinya aksi jual besar-besaran terhadap saham PT Bumi Resources Tbk (BUMI) karena sentimen perusahaan akan melakukan buy back senilai Rp 8 triliun lebih. Reboundnya IHSG this interruption action spurred by massive selling of the shares of PT Bumi Resources Tbk (BUMI) sentiment because the company will do buy back Rp 8 trillion worth more.

Saham BUMI yang selama enam haru berturut-turut merosot akhirnya bisa naik dan sempat menguat hingga 9,32% sebelum akhirnya ditutup stagnan di level 1.180 per saham. Shares BUMI that should be for six successive degenerate and eventually could rise was stronger to 9.32% before closing stagnant level at 1,180 per share.

Gerak saham BUMI sesi siang ini sangat fluktuatif. Motion shares BUMI session this afternoon is very fluctuate. Ketika dibuka langsung anjlok 9,32% dan kepentok auto rejection di posisi Rp 1.070, namun kemudian menguat tinggi dan beberapa kali sempat melemah lagi sebelumnya akhirnya ditutup stganan. When opened directly anjlok 9.32% and kepentok auto rejection in a position to Rp 1,070, but then stronger and took some time off again before finally closed stganan.

Sedangkan rupiah pada perdagangan valas pukul 11.30 WIB, turun 175 poin ke posisi 11.675 per dolar AS. While the rupiah in foreign exchange trading at 11:30 WIB, down 175 points to 11,675 positions per U.S. dollar. Bank Indonesia (BI) mengakui, sangat sulit untuk melawan arus pasar dalam kondisi seperti ini. Bank Indonesia (BI), and it is very difficult to fight the flow conditions in the market such as this.

"Kita tidak bisa melawan pasar," kata Gubernur BI Boediono dalam konferensi pers dikantornya, Jakarta, Jumat (14/11/2008). "We can not fight the market," BI Governor Boediono said in a press conference dikantornya, Jakarta, Friday (14/11/2008).

Boediono menambahkan, BI akan terus berada di pasar. Boediono added, BI will continue to be in the market. Meski sulit menahan laju pelemahan rupiah, namun BI akan berupaya untuk menahan gejolaknya. Although difficult to keep pace weakening rupiah, but BI will attempt to keep gejolaknya.

Berdasarkan laporan kebijakan moneter BI untuk November, dikatakan bahwa nilai tukar rupiah selama bulan Oktober mengalami pelemahan akibat perilaku menghindari risiko investor asing. Based on BI's monetary policy report for November, said that the value of the rupiah during the month of October due to impairment of conduct to avoid the risk of foreign investors.

Perdagangan saham sesi siang mencatat transaksi sebanyak 31.639 kali, dengan volume 1,817 miliar unit saham, senilai Rp 1,409 triliun. Trade stocks day session to record the transaction as much as 31,639 times, with a volume of 1,817 billion units of shares, worth Rp 1,409 trillion.Sebanyak 54 saham naik, 46 saham turun dan 43 saham stagnan. 54 shares rose, 46 shares declined and 43 shares stagnant.

IHSG mengikuti naiknya saham-saham di bursa Asia siang ini seperti Hang Seng naik 3,39%, KOSPI naik 0,65%, Nikkei naik 4,02%, Shanghai naik 1,83%, STI Singapura naik 1,81% dan Taiwan naik 0,56%. IHSG the rise of shares in Asian stock this afternoon as Hang Seng rose 3.39%, KOSPI rose 0.65%, Nikkei rose 4.02%, Shanghai rose 1.83%, Singapore's STI rose 1.81% and Taiwan up 0.56%.

Saham-saham yang naik harganya antara lain, Perusahaan Gas Negara (PGAS) naik Rp 80 menjadi Rp 1.790, Tambang Batubara Bukit Asam (PTBA) naik Rp 500 menjadi Rp 6.350, Telkom (TLKM) naik Rp 200 menjadi Rp 5.900, Aneka Tambang (ANTM) naik Rp 30 menjadi Rp 1.060, United Tractors (UNTR) naik Rp 150 menjadi Rp 3.875 dan Astra Internasional (ASII) naik Rp 350 menjadi Rp 9.750. Shares, which increased the price of other, the State Gas Company (PGAS) rose Rp 80 to Rp 1,790, Tambang Batubara Bukit Asam (PTBA) increased to Rp 500 to Rp 6,350, Telkom (TLKM) rose Rp 200 to Rp 5,900, Aneka Tambang ( ANTM) up to Rp 30 to Rp 1,060, United Tractors (UNTR) rose Rp 150 to Rp 3,875 and Astra International (ASII) increased to Rp 350 to Rp 9,750.

After two days in succession affected by the action of selling high, stock markets in Wall Street may finally clear a moment of pressure. Investors showed little reaction to a press conference the first elected President Barack Obama. Obama promised to deal with the immediate financial crisis and economic support package that has been issued. "We face the biggest challenges in our economy. We will have to act quickly to resolve it," Obama said in a press conference the first on 7 November 2008 in Chicago as quoted from the AFP, on Saturday (8/11/2008). Market began to bring a little hope, despite data showing the U.S. economy is still frightening. October unemployment data as much as 6.5% of the highest in the last 14 years, which gives a signal of recession in the world economy. Investors in Wall Street also expects no recovery in the stock market in November this month after a sharp decline in the previous. During October, the Dow Jones recorded a decline worst since August 1998, the S & P worst since October 1987 and the Nasdaq worst since February 2001. In the closing trading Friday U.S. time (7/11/2008) Dow Jones index up 2.85% or 248.02 points to 8943.81 position. Similarly, the Nasdaq technology index rose 2.41% or 38.7 points to be 1647.4 and the S & P 500 rose 2.89% or 26.11 points to be 930.99. Investors now focus on the policy even though the Fed has cut interest rates to be 1%. Markets see the Fed policy will still do more to help economic recovery.

British Central Bank or the Bank of England (BOE) decided lowering a key interest rate up to 150 basis points (bps) from 3% to 1.5%. The decision was taken to save the economy from recession English, in addition to the decline in inflation because of a sharp. "In two months lately, we already see the transition to a significant decrease in the inflation prospects in Britain," said a statement from BOE, as quoted from the AFP, on Thursday (6/11/2008). BOE rate, the decline has been a sharp economic activity both inside and outside the country. Meanwhile, commodity prices declined sharply with. Index FTSE 100 in London Exchange hold down interest rates even though the already lowered sharply. FTSE index is now down 123.26 points recorded to the level of 4407.47.

Market share in the country are still selling the high pressure and can create a Joint Stock Price Index (IHSG) shrink back.

Negative stock market Wall Street and regional candidate still seems to confirm a decline in trading Friday IHSG the end of this week (7/11/2008).

Action for selling shares predicted to continue because many investors will still realize the benefits. Opening suspension Bumi Resources shares also create conditions stock market took such action because of the high selling shares in it.

Japan's Nikkei stock index on Friday (7/11/2008) opened weakened 5.09% or 452.75 points to be 8446.39. Korea KOSPI index down 3.5% or 37.87 points to be 1054.35.

Destabilizing the regional exchange to follow this decrease in shares in Wall Street disappointed by the projected performance emiten, and the weak performance of retailers that will continue to reinforce the concerns of continued weakening economy.

In trading Thursday (6/11/2008), Dow Jones index closed plunged 443.16 points (4.85%) to a level of 8696.11. Nasdaq fall to 72.94 points (4.34%) to 1608.70 and the index level of the Standard & Poor's 500 plunged 47.89 points (5.03%) to 940.88 level.

Meanwhile, on Thursday closing stock trading yesterday (6/11/2008) IHSG fall to 58,378 points (4.27%) to 1307.897.

The following recommendations shares of the company's securities.

Optima Securities

Impairment index was 58 points into 1307 in addition impact the evaluated of Asian stock markets also influenced the decision of the BI still holding the BI Rate at 9.5% level. Negative sentiment from the stock BUMI that selling pressure is very high after the suspension reopened create psychological Taking investors to profit from the market. The index is estimated to be 1.270-1.320 weakened again with the stock options: ASII, SMGR, PTBA, UNVR, and INDF.

Panin Securities

IHSG fall to -4.27% yesterday following the continued action against the Taking of profit shares have risen most. Other regional markets recorded a move to weaken. Trade yesterday painted by revoke BUMI suspension of trade, which has suspension since last October 6. Today we estimate will move IHSG fluctuate with the weakening trend. Range support - Resistance 1.260-1.340.

The following recommendations shares of the company's securities.

Optima Securities

Strengthening the index for five days in succession continues so that the index 258 points Rebound to level 1369. Besides sentiment data that low inflation in October, investors increasingly spurred by the Asian market are also Rebound. Emiten good financial reports and expectations of lower future BI interest rate to be additional catalyst.

Fast indicator of the entry area involves not correct or wrong, while EMA 5 and EMA 10 approaching golden cross pattern. Hold strategy can be selected in the index bull. The daily movement of the index is estimated ranges 1.340-1.410 with the stock options: ASII, UNTR, HEXA, LSIP, and PTBA.

Panin Securities

IHSG yesterday before finally moving fluctuate closed stronger (+1.26%) profit in the Taking of leading shares has increased significantly. IHSG recorded an increase of 5 days in succession. The increase in the last few days are encouraged by the inflation figures (yoy), which is lower than expectations. BI estimates the market will maintain the BI Rate at 9.50% level in the Board of Governors' Meetings will be held tomorrow. Today we estimate will be moving back IHSG mixed with a range of support-Resistance 1320-1400.

eTrading Securities

Singapore Exchange yesterday successfully survive in the positive territory in early trade despite the opportunity fall of Taking a storm of profit overrides mining and banking sectors. Index moving in a fairly wide spreads around 50 points and closed up 1.2% to a level of 1369.7. Strengthening the index supported by the increase in CPO shares rise in line player CPO price reached more than 13% for 2 days in succession. Trading value Rp2, 6 trillion is also seen higher starting line increased investor confidence to return into the stock.

Meanwhile, stock in the U.S. 'Economy hours' night, a back line increase investor confidence that the stock will soon be entering the final year trend rally that occurred in November and December. Investors back into the stock and start collecting shares base on strongest evaluated that has been in. Oil prices rise more than 12% yesterday to the level of U.S. $ 70.5 / barrel related to cutting production by Saudi Arabia also become a catalyst increase shares based commodities. Dow up 3.28%, Nasdaq 3.1% and S & P500 4%. Improving financial sector also make U.S. T-Bills yield back up after the once down to the lowest level since 1980. Related to this, Asian markets re-opened stronger today, in line reboundnya commodities sector and improving liquidity in the financial sector. Nikkei 2.5%, KOSPI 2.5%, 1.6% AORD.

Exchange also had the stronger line today positive sentiment from a strong stock and especially from the Global rebound world oil prices. This sentiment will bring Commodity related shares rally again today, as ANTM, TINS, PTBA, INCO, Incidentally, LSIP and UNSP. Speculation decrease the BI Rate will also be able to lift the banking sector that some day this under-perform. The index is expected to be able to penetrate level in 1400 with a range of movement in the range of 1340 to 1450.

The strengthening of the stock market will be followed by Wall Street and regional stock Indonesian Stock Exchange. Stock market following the U.S. stock measures are awaiting the results of presidential elections.

Shares in the Wall Street record big increase, welcomed the U.S. presidential election. President campaign is expected to be immediately end all uncertainty.

Increase the price of energy shares, after a sharp increase in oil prices to make trade shares skittish. While the index of the Standard & Poor's 500 for the first time since Oct. 13 re-pierce 1,000 level.

In trading Tuesday (4/11/2008), the index Dow Jones Industrial Average (DJIA) closed up 305.45 points (3.28%) to a level of 9625.28. Index S & P 500 rose a sharp 39.45 points (4.08%) to a level of 1005.75 and the Nasdaq rose 53.79 points (3.12%) to a level of 1780.12.

This condition is involved in regional stock spur positive opening on Wednesday morning as the KOSPI increased by 2.7% or 31.57 points to be 1184.92 and the Nikkei rose 1.2%, or 109.45 points to be 9224.05.

The atmosphere of global stock markets this positive can be expected to spread Joint Stock Price Index (IHSG) in trading Wednesday (5/11/2008). Despite the potential for a stronger IHSG still beware Taking profit because of the rise in the five days in succession.

Positive news from the country is in the interest rate expectations stable BI Rate board of governors meeting on 6 November this BI. And the discharge report quarterly financial III-2008 also can be a positive sentiment.

Meanwhile, the closing stock trading on Tuesday (4/1ikut1/2008) IHSG up 17,069 points (1.26%) to 1369.785.

Shares on Wall Street Monday (25 / 8) or Tuesday night concerns fell after suffering experienced by American International Group Inc.. (AIG.N), the more stressed that the financial crisis still handcuff the United States.

Insurance company based in New York, AIG, high declined at between 30 top stocks in the Wall Street analysts after Credit Suisse cut the target price estimate, and that the company will suffer great loss in the third quarter of this year. Not to Fitch Ratings, which will lower the rank AIG subsequent decline in financial performance of the giant insurance company.

Experienced similar suffering other financial institutions and banks, triggered by increasing customer is not able to pay their mortgage. Housing sector also contributed dark cloud after data from a number of real estate sales agent mention the amount of property that is not behavior reached the highest level throughout the period in July.

Many of bad news from the financial sector is to create the index, Dow Jones fall 241.81 a 11386.25. Dow index jumped almost 20 points last week after oil prices fall more than U.S. $ 6 per barrel.

While the index of the Standard & Poor's 500 fall 25.36 points to be 1266.84 and the Nasdaq index fell 49.12 to become 2365.59.

Pressure on Wall Street also came from world crude oil prices, which rose 52 cents to U.S. $ 115.11 per barrel on the New York Mercantile Exchange following the arrival of the threat of tropical storm Gustav in the Caribbean area is close to the production facilities of oil and gas in the U.S. Gulf of Mexico.

World crude oil prices, which have increased, again fall sharply. The broker again to get the signs that reinforce the perception that world oil demand will fall sharply.

In trading Monday (3/11/2008) in New York, light type of oil for delivery in December fall to the 3.90 dollar level to U.S. $ 63.91 per barrel.

In London, Brent type of oil delivery in December also fall 4.84 to the dollar level of U.S. $ 60.48 per barrel.

"It's destroying the price of oil today is data showing that U.S. manufacturing activity during October decreased to the low level in the last 26 years, which means increasing concern weakening demand," said Phil Flynn, of Alaron Trading analyst, as quoted from Reuters, Tuesday (4/11/2008).

"Manufacture should be a major indicator of demand for oil, but if this sector is weakened, then there must struggle hard to keep oil demand still rising," he added.

U.S. factor activity, the barometer for future oil demand, down sharply in line financial crisis. The Institute for Supply Management revealed, the national index of U.S. factory activity declined to 38.9 for October, compared to 43.5 for September.

Decrease in demand is also likely occur in Europe. European Commission warns that the previous worst financial crisis in a decade has been to Europe falling down the economic recession.

"European bring more focus to the demand for energy, where the weakening global economic growth provides a bleak prospect," said Mike Fitzpatrick of MF Global, as quoted from the AFP.

The price of crude oil is estimated to stand still at the level of U.S. $ 60-70 per barrel until the end of the year. OPEC cutting oil production will not produce unpredictable results.

According to the former OPEC Governor for Indonesia while Pertamina Commissioner Maizar Rahman, the possibility of large price ICP (Indonesian Crude Price) took a slip to below U.S. $ 60 per barrel.

"Until the end of this year I predicted the price of oil still around U.S. $ 60-70 per barrel. Could it even below," What is said between meetings with Commission VII at the parliament building / DPR, Jakarta, on Monday (27/10/2008).

He explains, in normal circumstances it should be cutting oil production of OPEC members will affect the price of oil. But with the current condition is not normal, then OPEC this step can be futile.

"Now is not normal because the condition affected the financial crisis. So in the market happens to be the release of oil in a large-scale, and this effect to the price. I think OPEC cutting effect," he said.

Oil price movements that do not normally have occurred since mid-2007. Where is the oil price is no longer determined the level of supply and demand but speculation.

Meanwhile, since mid-2008, the most influential factor is the financial condition of the U.S..

"Therefore we wait until the stabilization, so the fundamentals can take effect. But it may happen next year," he said.

Gold prices plunged sharply and the worst monthly performance record. The price of gold was recorded down to 17 percent during October, which is the largest monthly decrease in the last 25 years.

Decrease the price of gold is the largest monthly up to 18.2% was recorded in February 1983. The price of gold was penetrate tertingginya level in the U.S. $ 1030.80 per ounce in March 2008.

In trading Friday (31/10/2008), the price of gold traded at the level of U.S. $ 720.35 per ounce, down 2.1% compared to closing Thursday at U.S. $ 735.50 per ounce. Recorded the lowest gold price in U.S. $ 680.80 per ounce on the week.

Gold prices continue to fall in line strengthening U.S. dollar. The strengthening U.S. dollar makes commodities appear to be berdenominasi dollars cheaper.

"The price of gold this move, especially because the currency movement. At the end of the month, due to dollar movements," said Simon Weeks, director precious metals at Bank of Nova Scotia, as quoted from Reuters, Saturday (1/11/2008).

"A key supporter of gold when the dollar is likely that the U.S. will continue to be stronger, and of course it means a negative for gold," said a broker in London.

Stock market have left the day-to-day worse during the month of October, and ready to step toward a better November. A number of positive sentiment can be expected to encourage stock market direction, the better.

Throughout October, the stock market both global and local rise and fall was penetrate terburuknya point since the Great Abuse era 79 years ago. However, shares in Wall Street may finally close the month of October on the path to the green.

In trading Friday (31/10/2008), the index Dow Jones Industrial Average (DJIA) closed up 144.32 points (1.57%) to a level of 9325.01. Nasdaq also stronger 22.43 points (1.32%) to 1720.95 and the index level of the Standard & Poor's 500 rose 14.66 points (1.54%) to 968.75 level.

Meanwhile IHSG Stock Exchange in Indonesia in late October and significantly stronger after the auto rejection of the boundary opened up to 20%. IHSG closed stronger 82,841 points (7.06%) to the level of 1256.704. LQ 45 index rose 18,587 points (8.34%) to a level of 241,352.

Strengthening throughout the week occurred after the Central Bank from various parts of the world formed a partnership to mitigate the problem of liquidity difficulties. Including the swap agreement, which conducted the central bank.

What are local sentiment throughout this weekend?

* Monday, October 3 2008: Announcement of inflation figures by the Central Bureau of Statistics.
* Thursday, October 6 2008: Meeting of the Board of Governor of Bank Indonesia to determine the number of BI Rate.
* Out a number of financial reports emiten.


Meanwhile, global sentiment that can affect the movement of stock prices is:

U.S. election on Tuesday, 4 November 2008. Investors hope after the election there will be a new fiscal stimulus package or the new regulations to resolve the financial crisis in the U.S..

Friday, 7 November 2008: Release U.S. unemployment data. This figure is expected to give the U.S. economy: the more competitive, or is in the brink of recession.

Being a doctor for the countries of the financial crisis was not easy. The IMF is a source of loans for countries that need financial assistance is precisely the lack of funds.

As presented British PM Gordon Brown, the IMF now require hundreds of billions of dollars as additional funds to help countries that collapse the global financial crisis. Additional funds in an amount not less, it is necessary to prevent the spread of the impact of financial crisis.

"If we want to stop the spread of financial crisis, we need a global insurance policy to reduce the economic pressure," he said as cited by AFP, Sunday (2/11/2008).

Brown, calling the recent visits to Saudi Arabia in order to apply funds from countries that pump oil producers profit from the extraordinary increase in the price of crude oil. He also admitted will be happy to receive investment from financial institutions in the Bay area during the rules and conducted commercial.

"This is why I find additional sources of funds for the IMF-hundreds of billions of dollars more outside the U.S. $ 250 billion that they have provided on-loaned to countries that collapse because of the financial crisis," he added.

Additional funds of hundreds of billions of dollars are believed to be the IMF to Hungary, Ukraine, Iceland Dsn to increase their savings.

If all else fails, invest elsewhere
Company retirement plans are a great benefit, but they are not an employee's only choice for retirement savings. Depending on your situation, a traditional or Roth IRA might offer you more flexibility and cheaper fees.

Some employers might even let participants -- particularly those over age 59½ -- do an in-service rollover from their company 401(k) into an IRA.

Before you make any changes, however, consider getting advice from a personal finance professional who is familiar with your financial situation. There could be a number of restrictions that affect where and when you can invest money.

If a company's employees aren't happy about their 401(k) plan options, the company has an incentive to change them. If you speak up about ways to improve your employer's 401(k) today, you and your colleagues' retirement portfolios could be worth substantially more money in the future.

Offer to help the plan administrator
As you communicate concerns to your company's management, offer to help find a solution. Some firms have

401(k) committees that include rank-and-file employees who evaluate plan alternatives. Volunteer to be on one.

Be willing to dedicate the time and effort, because the end result could be a much-improved company retirement plan.

Even if you are successful in presenting your concerns and convincing your employer to make changes to the company 401(k), realize that it could take several months before you would be able to actually invest in the new options.

"It's very expensive to move a plan around. When you go in to change it, everything stops," says Melody Juge, founder of 401(k) Choice in Westlake Village, Calif.

"Everyone has to fill out new papers, and there's usually a blackout period where no changes can be made. This is a very time-intensive project -- especially for a small business. It's not something that should be done lightly."

Stephen says his willingness to help communicate the reasons behind his company's switch was extremely important to the success of the process.

"Our company was relatively small, and I made sure that our fellow employees knew about the upcoming change long before it was announced," he says. "I also explained the reason for the move -- the high costs that each of the employees was paying from his or her savings -- long before any formal announcement came out of HR (human resources). This is only something that you can do in a small company, I suppose, but for us it worked very well."

Stephen believes that the switch has also helped employees become more serious about their retirement planning.

"Generally speaking, folks were very receptive to the news," he says. "In fact, because of all the noise and training that was associated with the move, a few employees that did not contribute to the old plan decided to join the new plan after it was launched."

Get support from co-workers
Once you have identified ways to improve the company 401(k) plan, find fellow colleagues who have the same concerns.

No one wants to be known as the lone chronic complainer at their job, so make sure your co-workers are involved and support your efforts.

"Talk to some of your fellow employees and say, 'Gee, have you ever looked at this plan and seen how much we're paying out in fees?'" suggests Tony Schuman, managing director of Corporate Financial Advisors in Dallas. "This is really critical, because it can affect your life for years."

If you aren't able to save enough money, you might not be able to retire when you'd like. Any problem with the plan that isn't addressed now could depress everyone's individual portfolios in the future.

Include your boss in these conversations. He or she is probably putting money into a 401(k) that would also reap benefits if the plan were improved. Having your boss' support can also reduce the chance that you'd be written off as a lone complainer.

At some point, you will need to approach the person who can actually change the plan -- typically, someone in the human resources department.

Don't forget that your company also wants to retain the best workers. If the investment choices in the 401(k) plan are disappointing and not attractive to employees, human resources has an incentive to make changes.

Unfortunately, too many employees chicken out before they get this far.

"I think there is an intimidation factor," Solin says. "I understand that as an employee, you take a risk when you write that letter to the human resources department. But I also believe that the only way to affect change is to speak up."

Here are four actions you can take if you don't like the options offered by your workplace 401(k) plan.

4 actions if your 401(k) is flawed
1. Learn about your options
2. Get support from co-workers
3. Offer to help the plan administrator
4. If all else fails, invest elsewhere

Learn about your options
First, educate yourself about your company plan. Know what it offers, and how the benefits compare to other 401(k) plans at other companies.

If you don't have a lot of experience with investing, it can be difficult to make choices about your own 401(k) -- let alone figuring out if the entire company plan needs an overhaul. But it can be done.

Read a few articles and books about investments. Then, start talking to other people -- inside and outside of your company -- who have 401(k) plans. Find out what they like and dislike about their benefits.

Your company isn't required to offer every investment feature that's out there, but there are some options that are more attractive than others.

WO years ago, "Stephen" feel that the company's 401 (k) plan is "sad".

Workers - who prefers to remain anonymous to protect the identity of the employer - has been unhappy with many aspects of the plan.

"(He) offered a choice of funds problematic unseen and cost structure," said Stephen.

Initially, Stephen did not mention that concern to anyone. However, he finally raised the issue to the company's director of human resources when asked for input on other issues.

Stephen gives some suggestions for improvements, such as offers several options and find the funds more low-cost investment.

To Stephen's surprise, the director of human resources asked to join the company's 401 (k) plan committee to evaluate current and alternative view. Stephen received.

"We evaluated five different service providers," he said, before choosing a new company to manage the company's plans.

If you work for a company that provides a 401 (k) plan, consider yourself lucky. You have access to tax-advantaged retirement account that can help you build a large nest egg for the future.

However, there are things you can do if you do not like your choice in 401 (k).

Under the laws of the Employee Retirement Income Security Act 1974, or ERISA, 401 (k) plan sponsors must meet a minimum standard of conduct for employees handling the case 'money.

This includes working for the interests of plan participants (and beneficiaries) and offers a diversified investment options.

"Plan sponsors have a fiduciary obligation to ensure that there are alternatives to employees," said Gil Mateer, President of Retirement Services Group at Bryn Mawr Trust Company in Bryn Mawr, Pa.

In addition to their fiduciary duties, private plan sponsors have many options for when they come to determine the actual investment that will go into the plan.

Increase shares occurred despite data showing that home price for single family in the U.S. declined sharply to 16.6% during August.

Shares the 'hungry' capital, such as telecommunications sector recorded the largest increase. Such as Verizon Communications, which increased to 14%, AT & T rose to 13%.

Shares the energy sector also supported the strengthening of Dow Jones. British oil company BP reported a profit increase, the shares directly appreciating sharply. Meanwhile, ExxonMobil and Chevron shares rose to 13%.

Similarly, Boeing shares, which jumped to 15.5% after the U.S. announced agreement with workers to end strike action while pressing the loss of U.S. $ 100 million per day.

Investors began to think that the shares are in the position of markets, and it's time to Rebound.

"If you believe that government from various parts of the world will be successful to give more energy to the financial market and gradually bring more stability and trust in the week-week and month, the more likely you want to be buyers instead of sellers," said Michael Sheldon, chief market strategist RDM Financial, as quoted from Reuters, Wednesday (29/10/2008).

Trade in the New York Stock Exchange is quite moderate with 1.73 billion shares change hands, slightly below average last year of 1.90 billion shares. The volume of trade increased sharply in recent sessions. Meanwhile, the Nasdaq, as much as 2.88 billion shares ditransaksikan, above the average of years ago that as many as 2.17 billion shares.

5. Maintaining sustainable balance of payments or foreign exchange by utilizing the bilateral swap Arrangement from the Bank of Japan, Bank of Korea and Bank of China if necessary.

6. Maintain the sustainability of the export to a guarantee against the risk of payment from buyers by providing facilities rediskonto export bill with recourse that apply from 1 November.

7. Maintaining economic sustainability, especially sekto real reduction in charges with the export of CPO to be zero percent per 1 November.

8. Maintain the sustainability of fiscal 2009. Steps will be taken to maintain the sustainability of the State Budget will be announced immediately after approval in the House to 2 days ahead (Thursday).

9. Importasi prevent illegal from 1 November. There are two first step, publish the provisions of certain commodities, namely importansi garment, electronics, food and beverages, children's toys and shoes, can only be imported by registered importers and verification obligations in the port of loading. Second, define the specific ports that are open to certain goods. Namely Tanjung Priok, Tanjung Golden, Tanjung Perak, Belawan, the Soekarno-Hatta Airport, Port and the Ban Juanda Makassar.

10. Improve supervision of goods with the outstanding form integrated task force between related institutions from 1 November.

The government set a 10-step in the stabilization of the economic situation for the global financial markets are weakening.

Ten steps is the result of the Cabinet meeting held on Tuesday (28/10/2008). The decision is read by Coordinating Minister for Economy at the same time the Ministry of Finance Sri Mulyani Indrawati.

Finance minister also accompanied by BI Governor Boediono, Menneg Owned Enterprises Sofyan Djalil and Mendag Mari Elka Pangestu.

"10 steps we do to maintain economic balance so that there is no interference, and that too many people to keep off from the impact of that is not profitable," said Sri Mulyani. Here are 10 steps:

1. Maintaining sustainable balance of payments or foreign exchange, to require all state-owned enterprises put all valasnya result in a bank in the country in 1 clearing house. SOEs are required to report information about the needs of foreign exchange earnings and to the office of state-owned enterprises and ministries transactions conducted through banks (Bank SOEs) are updated weekly and every day.

2. Maintaining sustainable balance of payments or foreign exchange, and accelerate infrastructure development by accelerating the implementation of the projects that have received financing commitment of both bilaterally and multilaterally.

3. Maintaining the stability of liquidity and prevent price war with the state-owned instructed not to transfer funds from bank to bank.

4. Maintaining confidence in the market against the perpetrators of the State Utanga do with the market stabilitsasi SUN namely the government, together with BI SUN purchase in the secondary market. Purchase back SUN done gradually, as measured in the amount.

Germany predict the financial crisis that the world will now take place until the end of 2009. For years, Germany must set the cost for the rescue program.

"Risk collaps (fall) is still far from over. But it will be a mistake if a warning or alarm removed," said Finance Minister Peer Steinbrueck in discussion with Sonntag such as the Weekly This AFP on Saturday (25/10/2008).

Germany has issued a crisis rescue package worth 480 billion euros, or U.S. $ 610 billion that was approved last week to help banks until next year.

"And we will ensure that the needs for and how long time," he said.

"We do not know if this cost saving, including the cost of rill in the years 2010 and 2013," he added.

Banks in Germany itself is still reluctant to ask for help because they fear the government will lose more otonominya and choose its partners to seek a loan.

Steinbrueck has also received support for the government to balance the federal budget and the year 2011 where the repositioning has also adopted by the German Prime Minister Angela Merkel.

Germany this year have equalize public budget with the federal government budget, including the budget for local and social security account, although the federal budget itself is still red. This financial crisis will not be to threaten the government budget in the year 2011.

German economy on Friday (24/10/2008) get bad news from the automotive manufacturer Volkswagen. VW menumumkan will cut production but still hope we can maintain the sales target in the year 2008. reported by detik finance

Economic growth in South Korea slowed in four years. This is shown from the Kospi index fell 11 percent.

As quoted from Bloomberg, Saturday (25/10/2008), shares in Seoul, also reached the lowest point since August 2003 due to the global economic crisis.

"There will be an emergency economic recession in the world. Currently they are focused on the banks and companies which will fall, the cause of which country will fall," said Fund Manager Thrivent Asset Management Michael Binger.

In addition, anjloknya share price does not only happen in Korea alone, the Standard & Poor's 500 index also experienced a decline of 3.5 percent.

However, the cutback is smaller than that occurred in Europe and Asia, which had fallen due bursanya disuspensi. While the FTSE 100 index for the sinking of five percent.

While Pound sterling to decline against the USD's largest since 1971. Based on government reports, this is an economic contraction during the first 16 years.

In addition, the price of oil also experienced a sharp decrease since 16 months ago, as well as the yen currency crisis concealing since 1995. reported by okezone.com

An 82-year-old real estate agent with severe arthritis and two artificial hips thought she would be retired by now, while a professor 25 years her junior wonders if he will ever stop working.

With stock portfolios shrinking in recent weeks, and house values sinking over the past year, many older Americans still on the job say they see no end in sight.

A majority of Americans have long said they expect to work past retirement age and now, with the financial crisis, their numbers are bound to grow, experts say.

Even before the crisis, 70 percent of older workers surveyed last year planned to work into their retirement years, research released this week by the AARP lobbying and advocacy group for older Americans showed. A need for money was the most common reason they cited.

"There's a lot of reasons for people to be less secure in retirement than they were 20 years ago or even 20 days ago," said Richard Johnson, researcher at the Urban Institute in Washington.

"This is a long-term change that we're seeing and of course it's really been magnified in the past month," he said.

While no up-to-the-minute data is available to show just how many more older workers will be staying on the job, there's little doubt more will make that decision, said Deborah Russell, director of work-force issues at AARP.

GRAY CEILING

Another effect is the so-called gray ceiling, where older people are not leaving and ceding top jobs to younger workers, Johnson said.

"A lot of younger people are waiting for those good jobs," he said. "To the extent that older people are not giving up those jobs, that's going to cause problems."

For older workers such as the elderly real estate agent, being unable to retire is a poignant disappointment. And it's one she does not want her neighbors in New Canaan, Connecticut, to know about, so she did not want her name used.

"I believed I had a good amount of security. Now I have a nominal amount of security," said the widow. "The added problem that my generation has is that we can't wait for a recovery. I may not be here when the recovery comes."

In Boone, North Carolina, Mike Dotson, 57, said he can barely imagine retiring, thanks to his shrinking investments on top of years paying college tuition for his son.

So, he said, it's a good thing he likes his job as a professor of marketing at Appalachian State University where he has been for 25 years.

Staying on the job is the one thing people can do in the light of the financial chaos, said Alicia Munnell, director of the Center for Retirement Research at Boston College.

"Control what you can control. We can't do much about the craziness in the market, but you certainly can control, in many cases, how long you're going to work," she said. "That is actually the most potent way of improving your situation."

"We thought that was the right answer even before the financial crisis," she added. "Everything has just intensified since then."

Older workers should make clear to their employers that they want to keep working, she advised. "Don't look like a person who is just reading Florida brochures." reported by reuters

When you submit your information to several auto insurance companies for a quote, you’ll be armed with the ammunition you need to get the best deal possible. If you’re satisfied with your current insurer, but have got a lower quote elsewhere, you might find they’re happy to offer you a lower rate to keep your business. Ring them up and let them know that you love their service, but you’ve been quoted a lower premium by another company and ask if they can match it. Be specific. You might be surprised to find how much they value your business.
reported be Promo Laris

Ownership of foreign investment in Government Bonds (SUN) is now down to Rp 5 trillion from the end of September 2008 following the global financial crisis that occurred. However, the decline is still considered reasonable.

This was said by the Director General of Debt Management Rahmat Waluyanto found in the building when the House of Representatives, Senayan, Jakarta, on Thursday night (23/10/2008).

"Total nominal (foreign) at this time, if not one of Rp 97 trillion, or Rp 98 trillion, it is still above 18%, about 18.3%. So there is a decrease but I still relatively reasonable," he said.

According to Grace in the amount of foreign ownership SUN still higher than the position in January 2008, where in January 2008, foreign ownership in the SUN still Rp 76 trillion.

"It is reduced to Rp 5 trillion from the position of September. But I have not mengkawatirkan because they usually return in time quickly. I think the decline is still in reasonable limits. We began to see the early years there have been additional net foreign around Rp 20 trillion," he said .

It is said that also, the various policies issued by the government to arrest the impact global financial crisis that occurred also give confidence to the financial market in Indonesia.

"Various Perpu issued related to the financial sector will give confidence to markets, to customers so that people know the government in the face of crisis such as what is, at the same time ensure liquidity for the banking sector is particularly emphasized the problem. Not long now the government accelerate disburshment (absorption shopping), the BI with government efforts to keep the performance of financial markets, "he said.
reported by detik Finance

In addition to opening the business with no cash payment in the back, you can also open a business with the payment in advance. Combined with the start of business on the back of payment and payment in advance is the most ideal. Building or office, ads, brochures can be obtained by payment in the background, while customers using our payment in advance. The form of business courses, vocational education institutions and even education tinggipun can be done with the strategy of payment in advance.

At the time we open a branch of the Education Center and Computer Management IMKI in the way of Abubakar Ali number 20 Kotabaru Yogyakarta, after advertising in the People's Daily Kedaulatan that can be paid in the back, finally get the 35 students. Then, given the general course that includes explanation teantang material will be taught for one year. Starting from the material Achievement Motivation Training System to Analysis. Suddenly they ask "Sir, my computer which does not exist?". "Please note in the ad saying how.", I guess. "Pendikan Computers equipped with practical management education and entrepreneurship," they answered. "You are right. In the first month of this you will get practical management education and entrepreneurship, and the new computers: "I said in my heart" but you also have to pay. " After one month of their happy, eventually pay. Money from these students kreditkan my computer can be 12 computers. "That compromise" I said. "Oh my computer is already Pak" they said. I have said in the "indeed, it is your money." So we can operate the business with the payment in advance, the payment from our customers.

Even when I, together with friends from Totalwin Institute of Management in cooperation with Warnbrough University, UK. MBA program open (when it is not prohibited), enough to provide five-star hotel, which can be paid in the background, and students to pay in advance. The first time, prospective students gathered in a hotel provided an explanation of the MBA program from the University Warnbrough. Including how much it costs, they must study in the UK. If in the course of Indonesia can use the introduction to English. Tesisnya only in English in the supervision by the Representative Warnbrough University of Australia. After the general course, for those interested can provide advance payment of Rp. 1,000,000 and -. From the money can be used to rent the room along with other equipment, so that managers not to spend money. After at least 15 students sign up, start the course immediately. Thus the hotel with other facilities can be met with the advance payment from students. From the results of the MBA program can eventually be used to establish the program MM STIE "ABI" Surabaya. Master's Program Management perhaps the most in demand in Indonesia, because the students have about 1000 people.
reported by msuyanto.com

Many complained that to open a business opportunity is not there. This is a classic complaint that can not be with us again. Indeed, to start a business we can do with a variety of ways, one with the education that we have. Jerry Yang and David Filo, the founders of Yahoo start a business with education. They are students from Stanford University. Yahoo started from the back parking lots is now growing rapidly. Jerry Yang and David Filo started the business from small and simple. Jerry Yang describes the discovery that Yahoo is "an accident" when he and Filo tesisnya complete. Filo and that this launch Yahoo when they sit in the universities, before they complete studies. They start doing business with the listing several web sites that they like and write some software that allows a website to get other web sites that will be placed on a web portal called. At the time established in 1994, named Terry's Guide To The World Wide Web. When they know that their sites visited by people from 90 countries, spontaneously say "Yahoo" and finally the words that are used to name their company. In 1999, Yahoo reach star status. Net income in quadruplicate fourth quarter of 57.6 million dollars, while revenue jump from 91 million dollars into 201 million dollars. Now, Yahoo is the best portal in 2002.
Kiichiro Toyoda is the son of the founder of the company Toyoda Spinning & Weaving Co., which moves in the field of automatic loom. After completing engineering studies, he decided to start a business with the company to change the car into production and change the company name from Toyoda become Toyota in the year 1936. Kiichiro Toyoda became President of the company's Toyota until 1950. The first car made the Model AA Model and the Crown. Overseas offices established in Taiwan is first and then Saudi Arabia. Company starters began to produce forklift trucks (vessel / trailer), which made the number one company in the world in this market. Trucks entering the United States market of 1958 and 1965 the UK market. But the Model Crown failed to enter the United States, because the car is designed for the Japanese market, are not designed for the roads free of the constraints in the United States. Finally, Toyota Corolla make in 1968 and achieve success so that they can shift Volkswagen as the number one imported car in the United States. Even penetrate the heart of the city United States by cooperating with General Motors to Toyota in the United States. Camry is a car with tersukses sales in the United States in 1997. Toyota is now reaching the business to other sectors, namely financial services, telecommunications, housing, machinery navy, recreational boats, the distribution of parts and flight services. Now Toyota is the number three car maker in the world after General Motors and Ford. Yoyota have to sell 5 million vehicles per year.
Pierre Omidyar started the business with a degree in computer science. He was interested in developing the technology for different products and consumers love the idea that he can take the concept with all the way through the delivery of products to consumers, and their reaction shows and changing them. Internet gives you a place to do it, because you can publish software quickly, you can get a reaction from your customers quickly and Andapun do know if the error quickly. He thinks, how the auction in Paris of participants do not go to Paris, but in their homes or offices in each. Finally Omidyar founded on the Internet auction company with the name eBay in 1995. Before Omidyar founded eBay with i establish eSharp, which provide experience as Entrepreneurs. eBay is a company that relies on trust. Imagine! People want to pay what dilelangkan with only see an image only. Without trust this company will not run. Net income more than three times reached 1.35 million dollars in the third quarter of 1999, with sales increased to 58.5 million dollars. The amount of that conduct registration on the site eBay increased from 5.6 million to be 7.7 million compared with the previous quarter and increased 1.3 million dollars in the same period the previous year. Penjulan value of the goods on the web site jump from 195 million dollars into 741 million dollars. eBay auction is the best company in the Internet in 2002, the magazine version of Yahoo.
About what makes you great. What separates you and I made history as Entrepreneurs "said Anita Roddick. With the history of his love of the environment eventually make the concept of "natural", to make herb-pure ingredients, do not test on animals and friendly to the environment and indigenous population, where the herb-derived ingredients. With almost no advertising at all but with the publicity that is very passive, The Body Shop has become one of the legends of the world.

Ir. Ciputra start a business with the education field of architecture and properties, because it of Architecture faculty alumni ITB 1960. Ciputra now as the President Director of PT Ciputra Development (CD) and President Commissioner of PT Jaya Realty (JR) and the CEO off the public's best 1997 version Sembada Swa magazine.

My education after completing a Master of Arts Management with friends established the Masters of Business Administration, in cooperation with the West Coast of the Institute of Management and Technology, Australia and Warnbrough University, the United Kingdom before any regulations on the MBA program. Once the rules are and then establish a Master of Arts Management Program at STIE "Artha body Iswara" Surabaya. Currently, students Magister Management Program is about 1000 students, perhaps the Master's Program Management that the number of students in Indonesia. So Andapun can start your business with education, and when the course. reported by msuyanto.com