Prediction Personal Investments 2012

KOMPAS.com - Many people hope offered by Indonesia in 2012. One is the improvement of Indonesia's economy in the next year. "In a meeting with Commission XI some time ago, the government gave a positive signal about economic growth in Indonesia due to an increased demand for domestic products," said an expert financial planner Aidil Akbar Madjid, MBA in outlook 2012 AFC exposure Financial Check Up.

Although Indonesia's economy is predicted to slowly strengthen, but it seems in terms of personal investment you need to remain cautious. Akbar following the advice given to private investment in 2012:

1. Investment in property. If banks continue its commitment to lower interest rates including the interest rate mortgage loan, it can be said that the investment property has a great opportunity and good in 2012. In fact, this property is estimated that the business will go up even higher. "But be careful with the price is high enough," he wrote. In big cities like Jakarta, apartments at a price below USD 800 million, Flats Property or Rusunami (subsidized apartments) can be used as an alternative to long-term investments are profitable.

2. Investment precious metals is not very profitable. If the conditions of the Middle East heats up, then world oil prices will rise in line with rising world gold prices. But this will not be too influential on the price of precious metals because of the exchange rate of dollar to rupiah weakened. If this condition is reversed course in which the dollar strengthened and the crisis in the Middle East and re-heated, then this precious metal investment will be excellent. Precious metals can be selected, among others, in the form of jewelry such as necklaces, bracelets, earrings or gold bullion.

3. Equity investments. If you are interested to invest in a variety of things a bit challenging, it would not hurt to invest in stocks. If the investment grade increased, the flow of foreign funds will go even more and one of them entered the stock exchange. This will push the stock exchange to crawl up and through high level as in early 2011 and then, obviously Akbar.

With a controlled inflation and low interest rates, bonds will be much coveted by financial institutions and companies. SUN, ORI, Retail Sukuk Sukuk and can also be considered for an investment option other than Fixed Income Mutual Funds. "Stocks still gives a pretty good potential in 2012," he explained.

4. Investment securities. With the limitation of the number of credit cards and loans, banks have access to funds that have not been channeled. If funds can not be used for consumer loans, mortgages, and credit vehicles can be diverted to the possibility of such securities Debt securities and Setifikat State Bank Indonesia (SBI).

5. Short-term investments. For short-term investments should still use banking products and precious metals. Its primary focus is to raise funds and hold before the Composite Stock Price Index (CSPI) moved up. After JCI rising, you should invest in the stock market.

Note Akbar others are wary about investing in some type of insurance or unit-linked investments that will mature in 2012 (10 years from its launch in 2002). "If it turns out unsatisfactory investment returns, after deductions and other expenses, can lead to disappointment and even complain. So you should be careful with your insurance choice," he advised.

5 Ways to Happier Life

KOMPAS.com - A year passed, the range of achievements you may have already achieved. However, whether the various success was followed by a reassuring feeling of happiness? If happiness be the one thing that you are still trying to make happen, started the new year, prepare yourself with a number of ways to achieve complete happiness.

Michele Woodward, a career planning specialist and author of I Am Not Superwoman: Further Essays on Happier Living, saying, "You can feel happy to have time to make friends, and connect with people around you, which can enrich, give meaning and valuable experience other. "

Here are five ways that suggested Woordward for your happiness began to run in the new year:

1. Give credit for your accomplishments during the year 2011. Sit down, and grab a pen and paper, then make a list of your top 25 achievements that you managed to accomplish during the year 2011. "Maybe this will surprise yourself because, without realizing it, you have successfully achieved many achievements during this year," said Woodward.

This method is important to do as a form of appreciation on yourself and improve self-confidence. With more respect yourself, you helped to have the mindset that you're capable of doing many other great things, next year.

2. Determine a realistic goal. You will feel the happiness when it succeeded in meeting the target of the goals that had been developed previously. The economist Angus Deaton, PhD, and psychologist Daniel Kahneman, PhD, reveals that the happiest people are those who set realistic goals for themselves. The goal is more likely to be achieved.

In line with this, Woodward said that setting realistic goals this does not mean you give up on your big dreams. However, finding out what you want and to be achieved, then the focus to find ways to achieve it.

3. Find fun activities outside of work. "Do variety of activities that are meaningful and useful as well as fun for you," said Woodward. Various activities such as volunteer activities, starting a personal creative project, or develop your social relationships in various communities.

4. Responsible for the condition of your life. Woordward said that while working, goal to achieve financial comfort is still needed. However, responsibility for ourselves not just measured by the amount of money that you can get. Form of responsibility for yourself also means you can change various things that you do not like, in order to live a more enjoyable.

"If you have a terrible life's journey and weight, then consider turning it into a more convenient way to give meaning in your life. One way or another, looking for a new job or moving to a new place better," added Woodward.

5. Surrounded by people you care about. When surrounded by the people closest to you, such as family, friends, spouse or lover usually you will feel the excitement. This is because it turns out, being around the people you care about bringing positive energy for yourself.

Ready to be happier in the new year?

6 Food Support Job Interview

KOMPAS.com - Stress, nervousness, stomach pain, psychosomatic complaints like this are often attack at the crucial moment, including during a job interview. Although already practicing to answer questions, but if the nervous attack, everything on the head can be blank instantly.

Instead of answering questions candidly, you just respond to questions with the words of obscure meaning, or even forget to say anything. When this happens, chances are you stricken from potential candidates.

One way to avoid it, you can eat certain foods that make you feel more calm, focused, and able to think fast. Eat these foods at least one half hour before the interview, so most food is digested and have a positive effect on the brain.

1. Whole grains and green vegetables.
B vitamins, like vitamin B6, B12, and folic acid is proven to help memory, focus resources, and health and ability of the brain as a whole. In fact, folic acid can help produce red blood cells and improve the well-being and mental clarity.

Whole grains like brown rice, a major source of vitamin B. Meanwhile, green vegetables such as spinach, kale, and Swiss chard contain high folic acid and vitamin K, which will also help the brain to focus and fight memory impairment.

According to Beth Reardon, nutrition experts of Duke Integrative Medicine, Durham, South Carolina, three bowls of spinach could supply 40 percent of the magnesium. It is a mineral that can reduce the effects of stress in the body by preventing high blood pressure soaring.As a variation makanana, you can also put the spinach into the omlet or a sandwich.

2. Fat-free protein.
It is better to avoid carbs before a job interview because it can cause drowsiness. A study of two groups, ate breakfast of protein and high carbohydrate breakfast, it was found that two hours after eating, the group that ate a high carbohydrate had tryptophan levels four times higher than the group who ate the protein. Tryptophan is a substance known as a trigger sleepiness.

Meanwhile, protein helps the body produces two chemicals made from tyrosine, norepinephrine and dopamine. This substance will increase mental alertness. Fat-free protein you can get from white meat and eggs.

3. Healthy fats.
The brain requires a supply of healthy essential fatty acids or omega-3 fatty acids in order to function optimally. Fat is a major building block of brain tissue. It will even help you stay focused, protecting brain cell membranes, and reduce disease dementia, Alzheimer's, stroke and other brain diseases later in life.

These fatty acids can only be obtained from food. Therefore, the human body can not produce it naturally. You can get it from fish, walnuts, olive oil, avocados, and flaxseed.

Hemp seed is also the best source alfalinoleat acid, a type of healthy fat that increases the performance of the brain cortex, where the brain processes sensory information. As for fish, especially salmon contain omega-3 can enhance the ability of the brain and reduce senility. The study, published by the Diabetes & Metabolism, shows through cognitive tests, participants who ate salmon during three weeks of anti-stress hormone known to spend a higher level.

4. Orange
Eat an orange for stamina awake during the interview. According to a study conducted by researchers from Carnegie Mellon University in Pittsburgh, healthy people who are stressed can be a pain.

Basically, blood pressure greatly affects the immune system. However, it can be combated with regular consumption of vitamin C that is widely available in orange. Vitamin C will increase the body's immune cells and reduce the risk of viral entry.

5. Chocolates.
During this chocolate is known as a stress reliever food. According to Alan Hirsch, MD, director of the Smell & Taste Treatment and Research Foundation, Chicago, chocolate will increase the level of the neurotransmitter substances into the brain. Increased spending on these substances will trigger hormone maker happy and relaxed, like hormone dopamine.

6. Coffee
As long as your body is no problem with the coffee, you are advised to consume these drinks before facing a job interview. According to the researchers, coffee can increase short-term memory performance and help increase the capacity of attention and problem solving skills.

But, it is better not to overdo when drinking coffee. Too much coffee not only will make you urinate frequently, but also will make you jittery and nervous. As a result, you can look unprepared in front of the interviewer.