Kumpulan Kata Kata Mutiara dan Motivasi Terbaru 2015

“Bersedih dengan orang yang tepat lebih baik daripada berbahagia dengan orang yang salah dan oleh karena itu bijaklah anda dalam memilih sahabat.”

“Jangan pernah kamu menyakiti sahabatmu sendiri, karena sahabat adalah cara Tuhan menunjukkan bahwa Dia tidak ingin kamu sendirian dalam menjalani hidup.”

“Sahabat adalah mereka yang tahu semua kekuranganmu, namun tetap memilih bersamamu ketika orang lain pergi meninggalkanmu.”

“Mencintai tidak hanya sekedar ununtuk dicintai, tetapi bagaimana menjaga dan menghargai perasaan yang disebut cinta.”

“Jika kamu cinta dia, biarkan dia menjadi dirinya sendiri, maka kamu tidak akan kecewa ketika mereka tidak seperti yang kamu inginkan.”

“Kadang, meski kamu sangat mencintai seseorang, kamu harus melepaskannya, karena tanpanya kamu temukan dirimu lebih bahagia.”

“Cinta kasih adalah perasaan hati, yang harus diungkapkan dengan hati, bukan hanya dengan rayuan atau pujian.”

“Segera laksanakan rencana keberhasilanmu di hari ini, jangan tunda lagi, jangan buang waktu, karena waktu tidak bisa menunggu.”

“Hidup ini bukan tentang apa yang dipikirkan mereka yang membencimu, namun tentang apa yang dipikirkan Tuhan yang menyayangimu.”

“Hal yang menyakitkan ketika kamu kehilangan seseorang adalah kenyataan bahwa dia tidak berusaha ununtuk mempertahankan hubungan kalian.”

“Apa yang mudah untuk didapatkan, akan mudah ununtuk disesalkan. Apa yang butuh perjuangan utk didapatkan, akan sulit utk dilupakan.”

“Berhati-hatilah dalam memilih teman, karena waktumu terlalu berharga untuk mereka yang tidak pernah menghargai waktumu.”

“Relakan jika memang harus berakhir. Karena akhir sebuah kisah adalah pertanda bahwa akan ada kisah yang baru.”

“Terkadang bukan karena kebohongan kamu membenci sesorang, tapi karena sedih menerima kenyataan bahwa ia tidak bisa lagi kamu percaya.”

“Jika kamu cinta dia, biarkan dia menjadi dirinya sendiri, maka kamu tidak akan kecewa ketika mereka tidak seperti yang kamu inginkan.”

 

“Ketika dia yang kamu cinta pergi meninggalkanmu, itu karena kamu berdoa untuk mendapatkan seseorang yang baik, dan dia tidak baik ununtukmu.”

“Ketika dalam sebuah persimpangan, anda diharuskan memutus sebuah langkah. Pastikan langkah yang diambil adalah demi kebahagiaannya, meskipun rasa sakit yang kan kita terima.”

“Seseorang tidak akan pernah bisa mencintai Anda dengan tulus dan apa adanya, jika Anda selalu menyembunyikan kekurangan Anda darinya.”

“Kebahagiaan yang diukur dengan harta melimpah ruah bukan lah sesuatu yang salah. Namun berucap syukur atas segala yang Tuhan beri adalah kebahagiaan sejati.”

“Tuhanmu lebih tahu batas rasa sakit yang bisa kau tampung. Jangan sampai engkau menyerah disaat selangkah lagi Tuhanmu mengganti kesakitan dengan sejuta keindahan.”

“Hati yang tulus mencinta, tidak akan lelah untuk bertahandan tidak akan menyerah untuk berjuang, karena dia percaya bahagia pasti dia temukan.”

“Cinta itu sebuah permainan yang dimainkan oleh dua orang dan dimenangkan oleh dua orang tersebut.”

“Cinta tidak memiliki apapun yang ingin kau dapatkan, tapi cinta memiliki semua yang ingin kau berikan.”

“Pantaskan diri Anda untuk menjadi bahagia. Kemudian berusaha dan berdoa , kemudian menyerahkan hasil kepada pemilik alam semesta.”

 

“Bila anda ingin mendapat sesuatu, belajarlah dengan memberi dan bila anda ingin kebahagiaan, berikanlah kebahagian itu kepada orang lain.”

“Jika kita dibolehkan memilih lima (5) hal di dunia ini, maka pilihlah agama, harta, akhlak mulia, rasa malu dan pemurah.”

 “Menjadi lilin berarti memberikan cahaya bagi orang lain dan membiarkan diri kita sendiri terbakar.”

“Mencintai tidak hanya sekadar untuk dicintai. Tetapi mencintai adalah menjaga & menghargai perasaan cinta.”

“Setiap orang didunia ini memliki cerita. Jangan menilai orang lain sebelum kita benar-benar mengenalnya, karena kebenaran dari orang lain itu mungkin akan membuat kita kaget.”

“Ketika kamu merasa akan putus asa, ingatlah di luar sana ada orang yang terus mendoakan agar kamu tetap kuat dalam menjalani hidup.”

5 Effective Investment Tips That Work

If you are aiming to succeed in the world of investment, you must first have the right list of strategies to give high consideration. In addition to that, if you are new in the investment field, I will personally review for you five (5) effective and working investing tips that will lay the starting path to your dream success.

1. Set out a simple investment plan. You should not rush with big plans when you are new in the world of investing. Work with relevant points that will surely get you to understand your entire plan. You should not work on predictions, or you might get a rude awakening at the end. Make sure you always pick the right channel that offers long-term safety and security.

2. Invest in established companies only. Apparently, these companies have high yearly returns. Investing your money in these companies will guarantee you high and massive profits. Apart from the profits, you can be sure that your money is safe as these companies normally have honesty and ethical policies that they continuously follow.

3. Long term investing is the key. The time and your patience are of an essence when investing. So make sure that the companies that you are trusting your investment have a guaranteed future to offer. A good example is those companies that increase their share value in times. They are those worth for your investments.

4. Make sure you protect your future. Sadly, nobody can predict the future, but you can prepare for it. The future can bring positive or negative results, so to avoid facing unnecessary problems, always invest in stocks that are stable and won't make you run at a loss.

5. Invest in something you are only sure about. Do not experiment in something that might put your money at a high risk. Before investing your money, do a bit of research and if needs, consult a professional financial coach. Having the right information and knowledge on whatever you are investing in, then there is a less chance of losing your money or property. The right investment can bring a huge success and guarantee you a stable future.

Armed with these five investing tips, you can get the assurance that success will follow you all the way to the bank. There is nothing that makes you happy than seeing your money, make you more money. Good luck to your successful investing!

Article Source: http://EzineArticles.com/expert/Ronald_Rivera_Ramboanga/1496830

How Justices Could Avoid Conflicts Of Interest

The justices of the U.S. Supreme Court are exceptional individuals, but there are still many ways in which they are just like the rest of us.

One example: investing. Like most people, the justices by and large won't benefit from picking individual stocks. The keys to successful long-term investing are proper diversification, an asset allocation that matches your goals and risk tolerance, and patience. A concentrated stock position rarely serves any of these three goals well.

Holding too much stock in one company, or even one industry, poses obvious risks. Most people's portfolios are simply too small to support a mix of stocks that is properly diversified among companies, sectors and geographic regions. On top of that, the choice of what stocks to buy and which ones to sell leave investors at risk of being victimized by their own biases and emotions. Those biases also affect professional money managers, so hiring someone to pick stocks for you is not really a good solution.

Like most investors, Supreme Court justices would generally be best served by a portfolio composed mainly of mutual funds. But the justices have an extra incentive to favor mutual funds over individual stocks: Mutual funds almost never present conflicts of interest in cases that come before the court. Stocks, on the other hand, raise such questions all too often.

Bloomberg recently reported that Justice Samuel Alito recused himself from a case the court heard this term because he or his wife owns stock in Johnson Controls Inc., whose subsidiary is a party to the litigation. Justice Stephen Breyer, who did hear arguments in the same case, was unaware that his wife owned stock in the same company. Bloomberg reported that she sold her shares the following day, after a journalist inquired about the holding; Breyer, however, indicated that he plans to take part in the decision. (1) (Justices have personal discretion over when or whether it is appropriate to recuse themselves.)

No one wants conflicts of interest in the nation's highest court. However, holding direct stock in large companies means it is generally a matter of when, not if, a justice will have to step away. Alito, Breyer and Chief Justice John Roberts, or their close family member, each owned shares in at least a dozen companies as of the end of 2014.

The recusals leave the court open to the possibility of a 4-4 split, and can potentially lead the court to reject appeals it might otherwise consider.

While judicial ethics experts debate the merits of permitting the justices to invest in stocks, the law continues to allow it. But the justices would avoid a lot of problems if they mainly stuck to mutual funds, which avoid nearly all conflict of interest issues by their nature. The STOCK Act, which became law in 2012 and regulates securities transactions by legislative and executive branch officials, explicitly exempts mutual funds from its immediate reporting requirements for just that reason.

The reasons mutual funds shield officials from conflict of interest charges are, by and large, the same reasons they are well-suited for most investors' needs. A good mutual fund builds in diversification, and the investor does not exercise control over the fund's overall financial interests. Both the public interest and the official's ethical standing are insulated from the potential mess - or legal consequences - a conflict of interest can create.

Justices and officials can also consider the alternative of a blind trust. The trust is "blind" because the nominee grants total control of the assets in the trust to an independent trustee, who is not allowed to tell the nominee which assets the trust holds going forward. To avoid conflicts of interest legally, however, the public official must go one step further to ensure the blind trust is "qualified" by government standards. This means that the trustee must be truly independent, which usually means an institutional trustee such as a bank or financial service company. If the justice neither knew nor controlled the trust's contents, at least in theory, he or she could still avoid conflicts of interest even if the trust held individual stocks.

But blind trusts are a far from perfect answer, especially if the justice already holds a large stock position that the trustee may not be willing or able to dispose promptly. At least the justice could not be accused of using information about the direction of a court case to inform a future trade, since trading would be out of the justice's hands. Blind trusts are certainly better than nothing, and can work in circumstances where they are used carefully, but even then holding individual stocks is a lot of potential trouble for a relatively small potential reward.

When I was a journalist for The Associated Press, I felt similarly constrained about owning stock in entities I might cover, even though journalists are not legally subject to public disclosure laws. The idea of avoiding conflicts of interest, after all, extends past satisfying legal requirements into the realm of satisfying ethical concerns. So although I was young and had only a very modest investment portfolio at the time, I confined myself exclusively to mutual funds. I never had any cause to regret it. I doubt many people would.

Article Source: http://EzineArticles.com/expert/Larry_M._Elkin/669166

Selecting an Asset Management and Fund Management Training Program

Asset management courses are offered throughout the world by top training institutions.

Dynamically changing financial landscape and the plethora of new regulations in the sector requires staying constantly up-to-date with the changes. Whether you are new to asset or fund management or are an experienced wealth or fund manager, you can always bring your skills up to speed with a relevant training course.

From exploring the specifics of each asset class, their performance characteristics and correlation with other asset classes, to portfolio building and investment performance measurement strategies, to exploring the latest regulatory changes in the sector, it's important that you choose a good quality training course. From traditional asset classes like equities and bonds to alternative ones like private equity and hedge funds, investment professionals can explore their characteristics and learn how to effectively implement them in a portfolio and spread the risks.

Financial asset management courses can provide you with a wealth of knowledge, tips and strategies. It can help you identify the best performing asset classes, put your strategies in place and give you insider tips to help you achieve the best results and return on your investments.

All investors invest in financial assets with the hope of coming out with a profit. While this does involve its fair share of risk, as an asset manager, you are responsible for helping your clients achieve the best results and come out with a profit wherever possible. This can only be achieved through the application of successful investment strategies, which come with market practice and knowledge. This is not an overnight success story, managing a portfolio of assets takes time, dedication and constant work to ensure that the portfolio comes out winning at the end.

You will learn how to evaluate risks and to identify what each asset is going to do moving forward using past market performance and specific characteristics of each asset class.

Constantly evaluating the assets and monitoring their progress is an important part of the process. This will give you a good indication on the right time to sell to ensure the portfolio comes out winning and not at a loss.

In addition to this, you may also want to learn about UCITS Funds, AIFMD or FCA's COLL requirements and other regulations affecting the sector, or MiFID II which is supposed to affect investment research, transaction reporting as well as product offering and distribution channels for fund managers.

The asset management courses available will help you become a better portfolio or fund manager and invest successfully on behalf of your clients, as well as to stay compliant in the current market. In the ever evolving market it's important to stay abreast of the competition and taking additional training courses throughout your career can certainly enhance the chances.

Article Source: http://EzineArticles.com/expert/Sam_Baker/2200616

The Problem With Offshore Banks

"What's the best way to rob a bank? Start one."

Many people have heard that old saw. But it's no longer accurate. The best way to rob a bank is to control a government... any old government will do these days.

It wasn't always like that. You see, for most of modern history, governments knew to keep their hands off banks. Whether led by kings, prime ministers, presidents or dictators, states understood that the first time they raided a private bank for loot would be the last. Bankers would close up shop and go somewhere else, and the next time the rulers needed to borrow some cash, there would be no lenders left in town.

My, how times have changed! Not only do modern governments feel perfectly free to steal from local banks or from offshore banks... they actively compete with each other to do so.

Guilty as Not Charged

It's more important than ever to be choosy when picking an offshore bank.

A few weeks ago, the government of Honduras seized the property of one of the country's leading businessmen - including the bank his family owned. The bank was liquidated, leaving over 200,000 local and foreign clients in the lurch.

Seizures and forced liquidations aren't uncommon, of course. Courts all over the world order such things all the time when individuals or organizations are convicted of crimes. What made the Honduran case unusual is that there was no court, no trial and no crime.

You see, a relative of the Honduran businessman in question had been arrested in the U.S., where extrajudicial asset forfeiture is practiced.

In the Land of the Free, federal, state and local authorities can and do seize all sorts of property on just about any pretext, simply by asserting that the property (a car, a house, a farm, cash, etc.) is somehow associated with a crime. They don't have to prove this - their own say-so is all they need. The owner of the seized property doesn't have to be guilty of anything, or even be charged with a crime. Instead, he or she has to prove that the property isn't "guilty." Most of these owners never manage to come up with the money, time or other resources needed to do so. So they lose their property, which is usually sold for profit or used by the government.

Get While the Gettin's Good

Knowing this, the Honduran government reasoned that it was likely that property in the U.S. belonging to the Honduran businessman's family would be seized by the U.S. authorities. They concluded that if this happened, the businessman's local bank might not be able to meet its commitments, angering a lot of local depositors who are also voters (or government officials).

So to get a jump on the process, so to speak, the Honduran government seized the bank before the U.S. government could get their hands on related property. It was a preemptive raid, not based on any proven violation of Honduran or U.S. law, but rather on the knowledge that if they didn't act first, the Yankees would. It's like a scene in a Western movie where one set of robbers races another to catch up with the stagecoach.

You might think this is a sui generis case, shaped by the U.S.' peculiar asset forfeiture practices. Maybe so... but the underlying logic behind Honduras' action has recently been globalized.

One Global Tax System, But Many Governments

Here's why: The G-20 recently adopted a global financial-information-exchange protocol, inspired by the U.S.' Foreign Account Tax Compliance Act (FATCA). Over the next few years, financial institutions everywhere will be sucked into a web of reporting designed to ensure that nobody can keep money secret from any government. Whether they like it or not, banks will have to hand over client information to their own governments, who will then share it with others.

It's easy to see how that will make tax enforcement easier. But it may also result in some nasty unintended consequences along the lines of the Honduras case.

If the G-20 data-sharing plan works as planned, government officials everywhere will be able to monitor changes in the offshore financial holdings of local individuals or businesses. This sort of intelligence could trigger precisely the sort of preemptive strikes that took place in Honduras. A big local business is losing money in its overseas operations? Better grab its local assets now, before a foreign court can seize them as part of a bankruptcy proceeding. Ditto for individuals.

The bottom line here is that, as always, government action - the G-20 reporting web - will create a new set of incentives that will have unpredictable consequences. The only thing we can be sure of is that government will look after its interests... not yours.

The world of offshore banks is becoming more complex. That's why it is absolutely critical that you have an inside guide to the most recent developments... so you can stay one step ahead of the government thieves.

Article Source: http://EzineArticles.com/expert/Ted_Baumann/1964192