Most banking industries nowadays are offering a new method on circulating its capital. Known as cash advance or non guaranteed loan, the banks claim that this procedure can help people on satisfying their needs, while in other hand banks can obtain profit from the money circulated. The procedure on having such loans is actually not difficult. First, we need to fill up some forms. Then the officer in charge will immediately check on our credit rating. If approved, the loan will be directly transferred to our bank account. The borrower only needs to pay monthly installment for one or two year period. Payday Loans ABC in the US can give instant approval within 24 hours for up to US$ 1,500 of cash advance.

What is the plus and minus of this method? The big plus is it shortens the length of procedure. We can get approval in 1 or 2 days, instead of applying standard credit which requires due diligence about the business itself. The minus however, that the interest will be abundant, since of course they are giving loan for all people, including somebody with high risk. In return, banks are giving high rate of interest, rounding around 17 to 20 percent per year in Indonesia.

In my opinion, such instant way is only effective for those who actually have money, but don’t have that money at immediate time. They can pay them up for longer period. If we actually don’t sure about the ability on paying such amount of installment, it is safer if we achieve the money required by saving or investing.

I know nothing about forex. I mean I know that forex trading means buy a currency in its lower level and sell it in higher one, but certainly I don’t know about any knowledge on predicting the fluctuation. I think my knowledge and passion is more to stock exchange than forex trading. Definitely both sectors have high risk if the analysis is not based on proper research and knowledge. Yet, if any of you would like to study about forex currency trading, I know one service that definitely will give you insight on making profit in that area.

The service is named Fab Forex. Created by group of experts in forex trading, Fab Forex gives you lot of articles guaranteed to give enlightenment in your forex knowledge journey. The articles tell us about why we are doing forex trading, the rule of doing forex transaction, creating technical analysis about forex movement, and protecting you from forex scam.

Even if we are having zero knowledge about forex, reading all articles will enhance our knowledge aggresively. There is no guarantee of course that you will suddenly make profit from it, but it is better to have deeper knowledge about it than not at all. Again, starting this kind of investment need lot of gut. If you are not categorized yourself as a risk taker, it would be better if you take obligation or money deposit instead.

Are you in college or at least in high school, where currently you are eligible to have your own credit card? Children nowadays require to create credit card to show the world that they are responsible on managing their own financial life. Before you choose which card is suitable for you, it will be better if you check some sites in the Internet which provide comprehensive review about each card. There are some sites that is great to tell you how to differ one card to another. You need to check about the interest fee per month, also known as Annual Percentage Rate (APR). Some student credit card may charge zero rate for APR when you are having transaction during the first 6 months. Some card even boost your study spirit by giving “thank you points” when you can maintain your good GPA.

What you need to pay attention when applying a student credit card is about minimal income, annual fee, APR, and some other term and conditions. You need to maintain good credit history in order to continue using it. So please use it wisely. The site also create blog to provide latest issue in this area. The blog post may vary from what to do when having credit card and tips and tricks when you find obstacles on using it.

What do you know about credit card? Credit card is a plasticy magnetic card to replace money as payment tools. Yet, you should have to pay it with your own cash once the transaction is made. This paying mindset sometimes is missing, so people may get shocked by the amount of the bill they need to pay. ExtraCreditCards.com is the place to ask about anything related with credit cards. From credit score to how to find credit card with low interest. ExtraCreditCards.com provides numerous amount of credit cards to be chosen.

Have you ever heard the term APR? APR stands from Annual Percentage Rate. It is the interest you will be charged when carrying such balance every month. You will hardly know about this except you open the site. The site will tell you a lot about credit card term, security issue, even credit card history. You also will be taught about how many cards are required to maintain healthy credit score.  ExtraCreditCards.com also help you explain some myths already spread out among communities. Did you know that MasterCard is as equal as Visa in term of worldwide acceptance? One more thing, closing your account doesn’t mean closing your credit balance or credit score. It will be kept as it is as long you have credit history. The credit history is kept by banks and can be shared to other banks. Just remember not making mess with even one credit card.

Sebagai salah satu nasabah (sebenarnya “bekas nasabah”) di salah satu sekuritas, saya biasa mendapatkan “insight” dari orang-orang Retail Marketing-nya. Isinya biasanya merupakan analisis tentang kondisi ekonomi, global maupun regional, yang dapat berpengaruh terhadap pasar bursa.

Sejak kasus yang melibatkan pegawai di sebuah sekuritas tentang “informasi yang dianggap tidak benar”, nampaknya sekuritas semakin berhati-hati dalam memberikan informasi. Sekarang informasi yang diberikan jauh lebih sedikit, dan cenderung ke arah informasi umum belaka. Bahkan saya perhatikan, disclaimer-nya sendiri sekarang lebih jelas dan tegas bahwa insight ini bukanlah suatu saran dan segala resiko adalah tanggung jawab pribadi. Berikut cuplikannya:

Seluruh Informasi, keterangan dan dokumen yang disampaikan melalui media elektronik (“e-mail”) PT XXX (Persero) dan/atau anak perusahaannya (“Dokumen Elektronik”) hanya merupakan informasi dan/atau keterangan yang tidak dapat diartikan sebagai suatu saran/advise bisnis tertentu karenanya Dokumen Elektronik tersebut tidak bersifat mengikat.
Segala hal yang berkaitan dengan diterimanya dan/atau dipergunakannya Dokumen Elektronik tersebut sebagai pengambilan keputusan bisnis dan/atau Investasi merupakan tanggungjawab pribadi atas segala risiko yang mungkin timbul. Sehubungan dengan risiko dan tanggungjawab pribadi atas Dokumen Elektronik, pengguna dengan ini menyetujui untuk melepaskan segala tanggung jawab dan risiko hukum PT XXX (Persero) dan/atau anak perusahaannya atas diterimanya dan/atau dipergunakannya Dokumen Elektronik.

Sebelumnya, disclaimer-nya hanyalah seperti ini (dalam bahasa Inggris):

This e-mail message is intended only for the use of the individual or entity to which it is addressed and may contain information that is privileged, confidential and exempt from disclosure. If you are not the intended recipient, please do not disseminate, distribute, or copy this communication, by e-mail or otherwise, or take any action in reliance on it. Instead, please notify us immediately by return e-mail (including the original message in your reply) to helpdesk@xxx.com, and then delete and discard all copies of the e-mail.

Dengan demikian, jikalau Anda sebagai nasabah berusaha menuntut sekuritas karena suatu insight sekuritas, Anda harus pulang dengan tangan kosong. Tentunya sebelum berinvestasi, harus tahu dulu dong bagaimana profil resiko berinvestasi di pasar bursa. Selamat berinvestasi!