Telling About My Plans

I was the second child in my family. Since childhood I was taught by my parents to always be responsible. Now I am a student majoring in accounting Gunadarma semester 6. To achieve the purpose of life, I have always been a principle of life that I apply to daily life. Where in principle they will be, I always make a plan for the future. Plan for the future is one thing that is very important to achieve the desired results so as not to regret in the future.

Back when I was a kid I wanted to be an entrepreneur, but the ideals that changed when I sat in college. Precisely now, I am interested in the field of taxation, where it makes me sure will become. In addition to taxation, I've been investing in stock mutual funds began in 2014 to ten years kedapan. I think it is important to invest, because I have prepared investment future savings.

There is a proverb says, "Without a plan, our lives will be destroyed". And what about the plan that will I live? Listen carefully.

1. I've invested. Why invest? Because we never know what will happen in this life. At least I had taken the precaution, if there is an unexpected need. And with investing, I can set up savings for the future, unlike the savings in the bank. hehe

2. After the trial PI is finished, I will take English language courses. In The MEA is already a must for me to master the English page. For example: when applying for a job needed English language qualification.

3. After graduating from Gunadarma, I will carry out the course brevet a / b taxation. To accomplish the job I wanted brevet certification required.

4. Then I want to take the test CPNS (taxation), if accepted at the DJP. I am very grateful, otherwise I will try in KAP Company which provides tax services.

5. As I already have a regular income, I would save some money in salary for savings / invested (depending on the Indonesian economy at that time). After that I will continue S2 at the university that I know of yet, college planning nights while working.

6. The latter are finding my life partner, which form a family that always gives love and saying.hehe
And have a life of my successor. This is a plan that should always remember in my hearts.

Terjemahan

Saya adalah anak kedua di keluarga saya. Sejak kecil saya diajarkan oleh orang tua saya untuk selalu bertanggungjawab. Sekarang saya seorang mahasiswa gunadarma jurusan akuntansi disemester 6. Untuk mencapai tujuan hidup, saya memiliki prinsip hidup yang selalu saya terapkan dalam kehidupan sehari-hari. Dimana pada prinsip tsb, saya selalu melakukan rencana untuk kedepannya. Rencana masa depan adalah salah satu hal yang sangat penting untuk mencapai hasil yang diinginkan agar tidak menyesal dikemudian hari.

Kembali ketika saya masih kecil saya ingin menjadi seorang pengusaha, tapi cita-cita itu berubah ketika aku duduk dibangku kuliah. Tepatnya sekarang, saya tertarik pada bidang perpajakan, dimana hal itu membuat saya yakin akan bidang tsb. Selain perpajakan, saya sudah melakukan investasi reksadana saham dimulai tahun 2014 hingga sepuluh tahun kedapan. Menurut saya penting untuk berinvestasi, karena dengan investasi saya sudah menyiapkan tabungan masa depan.
Ada pepatah berkata, “Tanpa rencana, hidup kita akan hancur”. Lalu bagaimana dengan rencana yang akan saya jalani? Simak baik-baik yaa.

1. Saya sudah melakukan investasi. Kenapa investasi? Karena kita tidak pernah tau apa yang akan terjadi dalam hidup ini. Setidaknya saya sudah berjaga-jaga, jika ada kebutuhan yang tak terduga. Dan dengan investasi, saya dapat menyiapkan tabungan untuk masa depan, beda dengan menabung dibank. Hehe

2. Setelah sidang PI selesai, saya akan mengambil kursus Bahasa inggris. Pada Masa MEA ini, sudah suatu keharusan bagi saya untuk menguasai Bahasa tsb. Contohnya: ketika melamar pekerjaan dibutuhkan kualifikasi Bahasa inggris.

3. Setelah lulus dari gunadarma, saya akan melaksanakan kursus brevet a/b perpajakan. Untuk mencapai pekerjaan yang saya inginkan sertifikasi brevet dibutuhkan.

4. Lalu saya ingin mengikuti tes CPNS (perpajakan), jika diterima di DJP. Saya sangat bersyukur, jika tidakpun saya akan mencoba di KAP, Perusahaan yang menyediakan jasa perpajakan.

5. Saat saya sudah memiliki penghasilan teratur, saya akan menyimpan sebagian uang gaji untuk ditabung/diinvestasi (tergantung ekonomi Indonesia saat itu). Setelah itu saya akan melanjutkan S2 di universitas yang belum saya ketahui, rencana kuliah malam sambil bekerja.

6. Yang terakhir ini adalah menemukan pasangan hidup saya, yaitu membentuk suatu keluarga yang selalu memberikan kasih dan saying.hehe

Dan memiliki seorang penerus hidup saya. Ini merupakan suatu rencana yang harus selalu saya ingat dalam hati ini.

PENULISAN 3: TUGAS SOFTSKILL BAHASA INGGRIS BISNIS 2

How to sell shares

Do you want to sell some shares? Perhaps they are an inheritance and you would prefer the cash. Or maybe you have held the shares for many years and judge the time is now right to offload the stock.

1.      Select a stockbroker

Whatever the reason for the sale, you can only trade shares through a stockbroker. So, first you have to select your broker. There are various different types of stockbroker and the choice depends largely on your dealing habits and your budget.

2.      Execution only

Some stockbrokers operate solely on an execution-only basis, which means they do not offer any advice. They are therefore best suited to the more sophisticated investor, who is happy to go it alone.  An execution-only service can also be a good option if you want to carry out just one simple trade, perhaps if you want to sell a batch of shares.

3.      Help and guidance

If you are not a confident share trader, you might prefer a stockbroker that offers an advisory service.  You would then be given help and guidance about the sale of your shares, though the final decision would be yours.  Or, you could select a discretionary or management service, allowing the stockbroker to take all the decisions on your behalf.

4.      Nominee accounts

You then have to decide between a nominee account and a certificated account. With a nominee account, the shares are held in the stockbroker’s name and the firm takes care of all the administration. You are still the ultimate owner (and any shareholder perks, such as discounts, should still be yours to enjoy), but nominee accounts are increasingly popular because they are simple and convenient.

5.      Paper share certificates

If you opt for a certificated account, you will receive paper share certificates and the shares will be in your name. Bear in mind, though, that the process of selling – and buying – shares could take a lot longer as you will have to post the certificates to the broker.

6.      Stockbroker commission

It’s important to check out any account fees so you understand the costs involved. Stockbrokers charge a fee or commission for every share trade. The commission is either a flat rate or a percentage and varies according to the firm and the type of service. An execution-only broker, for example, might charge commission of £2.95 if you are a regular trader, or £11.95 if you buy and sell shares only rarely. There are also different charges for postal, phone and online share deals.

If you are unsure about your tax position, you should speak to an accountant or tax adviser.

You can switch to a different broker if you are not happy with the service or costs, though you might have to pay a transfer fee.

7.      Tax bill

There is no stamp duty payable on the sale of shares, but you could incur a tax bill if the profit from the sale exceeds your annual capital gains tax allowance, which currently stands at £10,900 (for 2015-16 tax year). If you are unsure about your tax position, you should speak to an accountant or tax adviser.

The rules are different if you are selling shares in your own business – again, it is important to take expert advice on tactics and timing.

8.      Information for investors

It’s not always easy to decide if and when to sell shares, but there’s plenty of information available to help you reach a decision. Your stockbroker should be able to provide stock reports. There are also various magazines and websites aimed at the amateur investor.

Reference:

http://www.moneysupermarket.com/shares/how-to-sell-shares/

PENULISAN 2: TUGAS SOFTSKILL BAHASA INGGRIS BISNIS 2

5 things you must know before buying shares

1.      You own a part of the business

When you invest in stocks, you do not invest in the market (despite what you think). You invest in the equity shares of a company. That makes you a shareholder; you now own a small part of that business without having to go to work there.

The good news is, since you own part of the company, you are entitled to a share in its profits.

The bad news is that you are also expected to bear the losses, if any.

That is why investing in shares is risky. If the company does well, you benefit. If it does not, you lose. There are no guarantees whatsoever.

2.      In the short-run, the price of the share can wildly fluctuate

Let's say the company fixes the price of each share at Rs 10. This is called the face value of the share.

When the share is traded in the stock market, this value may go up or down depending on supply of and demand for the stock.

If everyone wants to buy the shares, the price will go up. If nobody wants to buy the shares, and many want to sell them, the price will fall.

The value of a share in the market at any point of time is called the 'price of the share' or the 'market value of a stock'.

A share with a face value of Rs 10 may be quoted at Rs 55 (higher than the face value) or even Rs 9 (lower than the face value).

So you might have paid Rs 15 for a share which is now quoting at Rs 12. Don't panic and sell. If it is a good company, the share price will eventually rise.

The prices will get influenced by the market sentiment and the general direction of the market. As a result, you may see short-term slumps.

3.      Always invest for the long-term

The best way to make money is to buy low and sell high. This means you should buy the share when the price is low and sell it when it is high.

That is why you must buy in a bear market. This is a term used to describe the sentiment of the stock market when it is low and the prices of shares have generally fallen. The best time to sell is in a bull market, when the sentiment is high and the prices of shares are rising.

But it is very difficult to time the market. In fact, no one can do it. If we could, we would all be millionaires, wouldn't we?

That is why, when you invest in the market, it is best to invest for the long-term. Hold on to your shares for a few years before you think of selling them.

Companies increase their sales and book higher profits over the years. This will eventually reflect in the share price, so ignore the short-term slumps.

Once you decide that you are in for the long haul, you can ride over the bear and bull runs with no stress at all. Over time, the price of your shares will appreciate.

If you are getting a good price for your stock, keep selling small amounts at regular intervals. Keep booking profits.

4.      Decide how much you want to invest

Always remember one basic rule in finance -- if something gives you higher returns, that's usually because it carries a greater risk.

That's the reason why not-so-good companies will pay you a higher rate of interest for your deposits.

The same reasoning goes for stocks too -- they give higher returns than, say, bank fixed deposits because they are more risky. So the amount of money you invest in the market depends on your capacity to bear the risk.

If you are young with a steady job, you can invest a larger proportion of your income in the stock market than, say your parents who are close to retirement. If you have a lot of debt to repay, avoid putting too much of your money in stocks.

It's best to decide how much of your savings you will allocate to stocks, and stick to that plan. Don't get swayed by how much your friend is investing.

5.      Don't rely solely on 'good advice'

A smart investor should never invest buy shares of companies he doesn't know much about. Relying on 'advice' from friends is not always a great idea. Do some groundwork yourself.

It doesn't matter who is buying the stock or who is recommending it. Steer clear of such ways of making a fast buck. These tips will land you in a soup.

When you hear of a 'hot tip', dig further.

Take a look at the company's profit and loss statement, which would have been audited by chartered accountants. There is a wealth of information here. To understand the information in a Profit & Loss Account, read Want to buy a stock? Read this first.

Do some basic calculations on your own. The Earnings Per Share (net profit/ number of shares) and Price/Earnings ratio (market price/ EPS) should give you a fair understanding. Read How to spot a good stock to understand what these ratios mean and how to use them.

These tips should get you started. Tread cautiously though. If stocks intimidate you, consider a diversified equity fund.

A mutual fund manager will research many companies before investing in their shares. This way, you can participate in the stock market even as you leave the research to professionals.

Reference: http://www.rediff.com/getahead/2005/apr/26share.htm

PENULISAN 1: TUGAS SOFTSKILL BAHASA INGGRIS BISNIS 2

Top tips for choosing investments

Use these tips and key steps to help find an investment that’s right for you.

1.      Review your needs and goals

It’s well worth taking the time to think about what you really want from your investments. Knowing yourself, your needs and goals and your appetite for risk is a good start, so start by filling in a money fact find.

2.      Consider how long you can invest

Think about how soon you need to get your money back. Time frames vary for different goals and will affect the type of risks you can take on. For example:

  Ø  If you’re saving for a house deposit and hoping to buy in a couple of years, investments such as shares or funds will not be suitable because their value goes up or down. Stick to cash savings accounts like Cash ISAs.

  Ø  If you’re saving for your pension in 25 years’ time, you can ignore short-term falls in the value of your investments and focus on the long term. Over the long term, investments other than cash savings accounts tend to give you a better chance of beating inflation and reaching your pension goal.

3.      Make an investment plan

Once you’re clear on your needs and goals – and have assessed how much risk you can take – draw up an investment plan. This will help you identify the types of product that could be suitable for you.

A good rule of thumb is to start with low risk investments such as Cash ISAs. Then, add medium-risk investments like unit trusts if you’re happy to accept higher volatility. Only consider higher risk investments once you’ve built up low and medium-risk investments. Even then, only do so if you are willing to accept the risk of losing the money you put into them.

4.      Diversify!

It’s a basic rule of investing that to improve your chance of a better return you have to accept more risk. But you can manage and improve the balance between risk and return by spreading your money across different investment types and sectors whose prices don’t necessarily move in the same direction – this is called diversifying. It can help you smooth out the returns while still achieving growth, and reduce the overall risk in your portfolio.

5.      Decide how hands-on to be

Investing can take up as much or as little of your time as you’d like:

  Ø  If you want to be hands-on and enjoy making investment decisions, you might want to consider buying individual shares – but make sure you understand the risks.

  Ø  If you don’t have the time or inclination to be hands-on – or if you only have a small amount of money to invest – then a popular choice is investment funds, such as unit trusts and Open Ended Investment Companies (OEICs). With these, your money is pooled with that of lots of other investors and used to buy a wide spread of investments.

  Ø  If you’re unsure about the types of investment you need, or which investment funds to choose, get financial advice.

6.      Check the charges

If you buy investments, like individual shares, direct, you will need to use a stockbroking service and pay dealing charges. If you decide on investment funds, there are charges, for example to pay the fund manager. And, if you get financial advice, you will pay the adviser for this.

Whether you’re looking at stockbrokers, investment funds or advisers, the charges vary from one firm to another. Ask any firm to explain all their charges so you know what you will pay, before committing your money. While higher charges can sometimes mean better quality, always ask yourself if what you’re being charged is reasonable and if you can get similar quality and pay less elsewhere.

7.      Investments to avoid

Avoid high-risk products unless you fully understand their specific risks and are happy to take them on. Only consider higher risk products once you’ve built up money in low and medium-risk investments.

And some investments are usually best avoided altogether.

8.      Review periodically – but don’t ‘stock-watch’

Regular reviews – say, once a year – will ensure that you keep track of how your investments are performing and adjust your savings as necessary to reach your goal. You will get regular statements to help you do this. Find out more below.

However, don’t be tempted to act every time prices move in an unexpected direction. Markets rise and fall all the time and, if you are a long-term investor, you can just ride out these fluctuations.

REFERENCE:

https://www.moneyadviceservice.org.uk/en/articles/top-tips-for-choosing-investments

M6 TUGAS SOFTSKILL BAHASA INGGRIS BISNIS 2

Conditional Sentence

Conditional Sentence is a combination of two words where one of them is a requirement sentence and the sentence is a result of the requirement sentence. In the Conditional Sentence is divided into three types, namely type 1, type 2 and type 3. Here is the explanation:

1. Conditional Sentence Type 1

        Conditional Sentence Type 1 can be used to make a conditional sentence that still allows one to achieve as a new condition will occur in the future.

Conditional Sentence Formula Type 1

If + Subject + Verb 1, Subject + Will + Infinitive
or
Subject + wil + Infinitive, If + Subject + Verb 1
Example :
a.   Your teacher will be angry if you noisy in the classroom.
b.   If he work hard, he will be success.
c.   My father will give me reward if i can be the first winner.

2. Conditional Sentence Type 2

       Conditional Sentence Type 2 can be used to indicate a possibility of fulfillment of the conditional sentence would be difficult at the present time (present tense) or in the future (future tense).

Conditional Sentence Formula Type 2

If + Subject + Would + Infinitive, Subject + Verb 2
or
Subject + Verb 2, If + Subject + Would + Infinitive

Example :
a.   I would attend your home if it did not rain.
b.   My mother would be fine if I went with you.
c.   Smith would tell you the truth if you knew it.

3. Conditional Sentence Type 3

      Conditional Sentence Type 3 is used to indicate a conditional sentence that can not be me because his time has past since it is too late or can not be played back.

Conditional Sentence Formula Type 3

If + Subject + Would + Have + Verb3, Subject + Had + Verb 3
or
Subject + Had + Verb 3, If + Subject + Would + Have + Verb 3

Example :
a.   Jack would have been here, if the flight had not been canceled.
b.   If I were Spiderman, I would jump every building.
c.   I would not have bought a shoes if I had known that still good.

Sumber :
http://inggrisonline.com/pengertian-fungsi-dan-rumus-conditional-sentence-type-1-2-3/
http://inggrisonline.com/pengertian-fungsi-rumus-conditional-sentence-type-1-dan-contoh-kalimat/
http://inggrisonline.com/pengertian-fungsi-rumus-conditional-sentence-type-2-dan-contoh-kalimat/
http://inggrisonline.com/pengertian-fungsi-rumus-conditional-sentence-type-3-dan-contoh-kalimat/
http://echahermansyah.blogspot.co.id/2015/03/tugas-bahasa-inggris-bisnis-2_25.html

M5 TUGAS SOFTSKILL BAHASA INGGRIS BISNIS 2

Count and Uncountable nouns

1. Countable nouns are nouns that can be calculated, which can indicate the quantity or number, eg noun pen can be counted one, two, or three pens.

Examples of nouns that can be counted: cat, dog, man, baby, person, animal, bottle, box, coin, cup, plate, table, chair, bag, glass, books, house, etc. Objects that are all around us generally are objects that can be counted.

example countable nouns:

- We could see a ship in the distance.

- I have to brothers, John and Mark.

- I've got a problem with the car.

- Do you like these photos?

- I'm going out for five minutes.

2. Uncountable nouns (also called mass nouns) is the opposite of countable nouns, ie nouns that can not be calculated, for example, the noun water. Nouns can not be said to be a water or two of water, but is more appropriately used along with other nouns that can be counted, for example a glass of water or two glass of water.

Examples of nouns that can not be calculated: sand, water, rice, sugar, cheese, tea, coffee, advice, assistance, fun, money, music, art, love, etc.

example uncountable nouns:

- Can I have some water?

- Shall we sit on the grass?

- The money is much better in my new job.

- I love music.

- Would you like some coffee?

• Consider a few records of countable and uncountable nouns below :

1. Much and many equally mean a lot, used to express the amount of the countable and uncountable nouns. Many are used for countable nouns and lies

preceded it, while much is used for uncountable nouns.

example:

- How many years have you lived in Surabaya?

- She did not have much fun at the Tunjungan Plaza.

- I have not got many pens.

- I have not got much rice.

2. Number and amount has the same meaning that the amount or number. Number is used for countable nouns, while the amount for uncountable nouns.

example:

- My teacher gives me a large number of assignments.

- My teacher gives me a large amount of homework.

- We have been friends for a number of years.

-They give us an amount of money.

3. Few and little have the same meaning, namely a bit. Few used for countable nouns, while little used for uncountable nouns.

example:

- The party has attended by a few men.

- There is only a little milk on the table.

- I've got a few dollars.

- I've got a little money.

- Few people understand the difference.

4. Fewer and less have the same meaning, namely a bit. Fewer is used for countable nouns, while less is used for uncountable nouns.

example:

- This kind of job will give you fewer dollars.

- He pays me less money than I thought.

- Fewer birds came this year.

- Doctors recommend eating less salt.

5. Some and any have the same meaning that multiple, normally used to express the number of indeterminate on countable nouns (plural) or uncountable nouns.

example:

- I've got some money.

- Have you got any rice?

- I've got some dollars.

- Have you got any pens?

Countable nouns can be singular or plural form.

- My cat is playing.

- My cats are hungry.

Countable nouns are singular may be preceded by words this, that, every, each, either, and Neither, whereas the plural is usually preceded by these words, those, some, any, enough, and the zero article. See also notes and examples above.

Generally, uncountable nouns can not be made plural, unless it is accompanied by other types of words.

- There are new wines being Introduced every day.

- The waters of the Atlantic are much warmer this time of year.

- The Dutch are famous for their cheeses.

Countable nouns can be preceded by a, an (indefinite article) for the singular and the (definite article) for singular and plural.

If the form is singular countable nouns, then the use of words such as a, an, the, my, this, etc.. should be used.

- I want an orange. (Can not say I want orange.)

- Where is my bottle? (Not to say Where is the bottle?)

But, if countable nouns plural form, then the noun it can stand on its own:

- I like oranges.

- Bottles can break.

Sometimes uncountable singular nouns that end also treated using a singular verb.

- This is very important news.

- Your luggage looks heavy.

Indefinite article a, not commonly used in an uncountable nouns.

- A piece of news (not a news)

- A bottle of water (not a water)

- A grain of rice (not a rice)

So, it should be said in front of her testimony. Note the following other examples.

- There has been a lot of research into the causes of this disease.

- He gave me a great deal of advice before my interview.

- They've got a lot of furniture.

- Can you give me some information about uncountable nouns?

Uncountable nouns are often used with no article (zero article)

- Poetry is beautiful.

- Sugar is sweet.

- Experience is the best teacher.

Uncountable nouns can be preceded by the word some, any, enough, this, that, and much. And because it is not countable nouns can not be preceded by these words, those, every, each, either, and Neither. See more notes and examples above. It is important to know whether a noun is included in countable nouns or uncountable nouns. This will allow us to recognize what type of words that can be put around it.

Reference :

http://senyumanmuhidupku.blogspot.co.id/2013/06/the-noun-phrase.html

http://catatanbahasainggris.blogspot.com/2009/01/countable-and-uncountable-nouns.html

http://dindarifiyani.blogspot.com/2012/11/about-noun-phrase.html

www.google.com

My Experience in Jogja

      Years ago, precisely in August, I spent the holidays in Yogyakarta, the city is famous in Indonesia. I went to Borobudur with friends. My friends and leave in the morning by train. I have prepared everything before we went to Jogja. While we're in the street, we can see some beautiful sights such as rice fields, rivers, tunnels etc. My friend and I arrived at the Borobudur Temple at 6:30 pm. We stayed in one of my friend's house in Yogyakarta.

        The next day, we went to Borobudur the afternoon, there I saw a lot of tourists. Borobudur Temple was packed on a holiday. I can learn and practice speaking English with foreign tourists different language to me. He was very friendly and nice. This is the first time I spoke English with foreign tourists. We came back at 20:30 at night. This is a very exciting holiday for me and my friend happy.