Jumat, 21 November 2008

Pressure on Citigroup builds, shares fall below $4

News about Pressure on Citigroup builds, shares fall below $4, Article about Pressure on Citigroup builds, shares fall below $4, Latest news about Pressure on Citigroup builds, shares fall below $4, EnjoY!

Pressure builds on Citigroup to sell part or all of itself as stock falls below $4 a share

NEW YORK (AP) -- Pressure intensified on Citigroup to sell part or all of itself as its stock fell below $4 a share on Friday and fears escalated about future loan losses.

CEO Vikram Pandit told managers earlier in the day he opposes breaking up the company, but the bank's board of directors was meeting Friday to discuss whether to do exactly that, the Wall Street Journal reported.

What investors are worried about is that all the risky debt sitting on Citigroup's balance sheet will eventually turn into losses as the economy worsens and the markets stay turbulent -- losses that could be nearly impossible to reverse.

Investors were also fearful that the government might orchestrate a takeover of Citigroup over the weekend that could wipe out common shareholders, said Paul Miller, a Friedman Billings Ramsey banking analyst.

The government was instrumental in JPMorgan Chase & Co.'s buyout of Bear Stearns and Washington Mutual Inc., deals that left shareholders with little or no payouts.

The Treasury Department, the Federal Reserve and other banking regulators are monitoring the situation, government officials said. They spoke on condition of anonymity because of the sensitive nature of the matter.

Concerns about the solvency of financial institutions were starting to ebb after the downfall earlier in the year of Bear Stearns Cos., Lehman Brothers Holdings Inc., and American International Group Inc. But now they are back with a vengeance as the recession deepens, raising the prospects of even more massive loan losses.

Just a couple months ago, Citigroup was the largest bank in the world by assets, stretching into everything from credit cards to consumer banking to high-stakes corporate dealmaking. The company was the result of an idea spawned by the financial deregulation in the late 1990s -- that consumers and corporations alike would be better served by a bank that could meet all of their needs.

Almost from the start, though, investors complained Citigroup was too sprawling and too complex to manage properly. And when the subprime mortgage crisis ripped through Wall Street starting last year, Citigroup was hit especially hard because of its high exposure to bad debt. Now, it has failed to turn a profit during the past four quarters, and its shares are trading for less than the cost of a pint of beer at a Wall Street pub.

As a result, analysts consider Citigroup the most vulnerable among the major U.S. banks -- especially after it failed to nab Wachovia Corp., bought instead by Wells Fargo & Co., a missed opportunity that put Citi behind in the race for U.S. deposits.

Citigroup's shares tumbled as low as $3.05 a share Friday before recovering to close at $3.77 a share, a decline of 20 percent that left them at their lowest level in nearly 16 years. It was a continuation of a sharp, weeklong plunge that could not be stemmed by Saudi investor Prince Alwaleed bin Talal's decision Thursday to raise his stake in the company to 5 percent from less than 4 percent.

The shares have shed 60 percent of their value since last Friday.

Citigroup has already raised $75 billion in capital this year, including a $25 billion cash investment from the government -- and none of it has been enough to muster confidence.

Raising more money on the open market is "pretty much off the table," given the recent plunge in the bank's shares, said William Fitzpatrick, an equity analyst at Optique Capital Management Inc. And raising more cash from outside investors or the government would be "a Band-Aid."

"You're going to have to see more sizable divestitures," Fitzpatrick said. "They're going to have to make changes here, and they don't have time on their side anymore."

People familiar with CEO Pandit's call Friday morning with senior managers, who spoke anonymously because the comments during the call were not made public, said his message was similar to that at his town hall meeting with employees on Monday -- that Citigroup has adequate capital, and that he supports the universal bank model for Citigroup, including arms such as Smith Barney.

On Monday, Pandit said the universal banking model is "the right model," and that Citigroup's strategy is "to be the world's truly global universal bank."

Still, one person said, "it's clear everything is on the table. That wasn't explicit, but I think it's clear."

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Kamis, 20 November 2008

Joe The Plumber Secures Book Deal

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One of the hilarious -- and sad! -- parts of Samuel "Joe The Plumber" Wurzelbacher's recent interview with CNN's Rick Sanchez was that moment where an exasperated J.T. Plumber whined at Sanchez, "Well, ask good questions then! Why don't you ask what I'm going to do now?" Awww! See, Joe The Plumber wasn't interested in being asked to account for whatever pseudo-intellectual swill was worming its way through his brain when he went out on the stump, with all of his opinions. No, no! Joe The Plumber just wanted to use the forum as a way of plugging all of his upcoming projects, like any good little fame-whore!

Well, one of those upcoming projects, as we first reported, was touted in the pages of today's New York Times. It seems that Wurzelbacher has secured a book deal with PearlGate Publishing. Is this for the book that he's been touting in advance of this deal on his website? Yes, apparently! (That website has a spiffy-new early 2000's redesign by the way, but buyer beware! The cost of a "Freedom Membership" has just gone up by a dollar!)

From the Times:

In an interview with Fox News Mr. Wurzelbacher said he could have signed a deal with a larger publisher. "But they don't need the help," Mr. Wurzelbacher said. "They are already rich. So that's spreading the wealth to me."

The book is going to be published on December 1, which, as Daily Intel puts it, is "an amazingly quick turnaround time." So much so that one can anticipate the book being either a compendium of Joe's typical hastily constructed "thoughtlettes" or a pop-up book about Bristol Palin's courtship and subsequent RNC-mandated shotgun wedding, for sad children.

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Rabu, 19 November 2008

One Step Ahead Unveils Exclusive Holiday Toys

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One Step Ahead, the award-winning baby catalog known for its hard-to-find products, has launched an exclusive collection of high-quality, developmental toys.

Lake Bluff, IL (Vocus/PRWEB ) November 19, 2008 -- One Step Ahead (www.onestepahead.com), the award-winning baby catalog known for its hard-to-find products, has launched an exclusive collection of high-quality, developmental toys ...just in time for the holidays.

"We know parents are shopping more thoughtfully than ever this year," says Karen Scott, President of catalog creator Chelsea & Scott.

"So more than ever, our design team focused on creating toys that offer double value. These toys aren't just fun to play with, they help kids learn and grow."

In addition, all One Step Ahead toys have been safety tested by an independent laboratory. Of course, when babies and toddlers lay eyes on them, they won't be thinking about such things. They'll be too busy having fun!

About Chelsea & Scott
Chelsea & Scott Ltd, parent company of One Step Ahead (for newborns-age 3) and Leaps and Bounds (for ages 3 and up), specializes in high-quality, hard-to-find children's products. Relying on its real-life Parents' Panel as well as professional merchandisers, it evaluates thousands of products each year, then selects only the top performers. When it can't find goods that meet its standards, its in-house design team creates original products that do. An established leader in the juvenile market, Chelsea & Scott is celebrating its 20 year anniversary.

Contact:
Cathy Liginski
847-615-2110 x4571
cliginski @ onestepahead.com

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Selasa, 18 November 2008

Health Expert Donald Rubbo to teach Cultivating Power

Article about Health Expert Donald Rubbo to teach Cultivating Power: Extraordinary Practices for Extraordinary Times, at the Commonwealth Club in San Francisco, Enjoy!

(PRWEB) November 18, 2008 -- Donald Rubbo, President of Rubbo Art of Energy and author of Extraordinary Breath, has been invited to present "Cultivating Power: Extraordinary Practices for Extraordinary Times," by Kevin O'Malley, Program Organizer of the Commonwealth Club's Member-led Forum 'Business and Leadership' on December 8, 2008 at 6:00 PM.

"I am offering a way for people to not just survive the current turbulence, but to thrive, through self-directed strategies, and live authentic lives of limitless potential. Consider the question, 'How many apples are in an apple seed?,' and the answer is 'countless.' So too are our choices for our lives," says Donald Rubbo.

It is easier to lead others and inspire confidence when we are in a happy, relaxed, creative state. This program is designed to help attendees cultivate universal energies and develop universal wisdom, and tap into the limitless pool of resources, energy, strength and courage that successful leaders need to positively influence the course of events.

"Donald's humor, warmth, wisdom and deep compassion opens hearts and informs receptive minds," says Christie Dames, CEO of Techtalk / Studio.

Topics presented in Cultivating Power: Extraordinary Practices for Extraordinary Times:

* The importance of Intention-Driven Action
* Finding inner strength in the midst of chaos
* Techniques to stay alert and calm when faced with difficulties
* How to fulfill hopes and dreams, not defer them
* All we need we have within

Business leaders, politicians, professionals, small business owners and employees will learn methods to expand their internal tool kits to include the creative process of cultivating, controlling and expressing "energy" for the attainment of personal power and inner peace.

"Cultivating Power: Extraordinary Practices for Extraordinary Times" will be held on December 8, 2008, at the Commonwealth Club, 595 Market Street, 2nd floor, San Francisco, California. 5:30 p.m. Reception, 6:00 p.m. Program.

Commonwealth Club members free, non-members $15, and students $7 (with valid ID). To purchase tickets, visit http://www.CommonwealthClub.org or call 415.597.6700.

About Donald Rubbo:

Innovator, artist, and a pioneer in mind/body medicine, Donald Rubbo is a San Francisco-based international seminar leader, author and social entrepreneur who has helped thousands transform their lives over the past 30 years. As a teacher, mentor and in his private practice he combines a diverse background in martial, internal and healing arts, including Karate, Shao Lin Kung Fu, Tai Chi Chuan, many systems of Qigong and profound meditative methods. He is the co-founder, along with his wife Cheryl Lynne Rubbo, of Rubbo Art of Energy; a BioEnergetic Healer; Author of Extraordinary Breath, Making the Power of Deep Breathing Work for You; and Board Chair of the PDP II Research Foundation, a nonprofit health education organization. He and his wife have recently returned from a six-week teaching tour of Europe.

For more information please visit Donald Rubbo online at http://www.CultivateChi.com.

For more information, contact:
Elizabeth Meloney
Program Director
PDP II Research Foundation
415.459.9098

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Senin, 17 November 2008

Intel officially launches Core i7, pricing

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"The Core i7 processor speeds video editing (and) immersive games...by up to 40 percent without increasing power consumption," the Intel said in a statement.

Combining the i7 with super-fast solid state drives will lead to significant jumps in performance, according to Pat Gelsinger, senior vice president and general manager of Intel's Digital Enterprise Group. "When you couple what is Intel's biggest leap in chip design with other incredible innovations like Intel's solid state drives, the Core i7 processor has redefined the computer of tomorrow," he said in a statement.

The i7 also packs a technology called Turbo Boost that accelerates performance to match a computer user's needs and workloads. Through an on-chip power control unit, Turbo Boost automatically adjusts the clock speed of one or more of the four individual processing cores without increasing power consumption, Intel said.

The new chip also has the latest Intel power-saving technologies, allowing desktops to go into sleep states formerly reserved for Intel-based notebooks.

And it ushers in the age of the "monolithic die" for Intel. (AMD has been doing this for over a year now.) The core i7 is one of Intel's first processors to put four cores on one piece of silicon, referred to as a monolithic die. Previous Intel quad-core chips cobbled together two dual-core die.

Other features include QuickPath, which doubles the memory bandwidth of previous Intel "Extreme" platforms, and Hyper-Threading Technology, which allows multiple computing threads to run simultaneously, effectively enabling the chip to do two things at once.

Each Core i7 processor features an 8 MB level 3 cache and three channels of DDR3 1066 memory.

Dell, Gateway, and Alienware (a Dell subsidiary) have all announced systems using the new chip.

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Minggu, 16 November 2008

PT. Rifan Financindo Berjangka

Lebih dekat mengenal PT Rifan Financindo Berjangka. Sisi Lain PT Rifan Financindo Berjangka. Semoga bermanfaat dan selamat membaca.

Blog ini sengaja saya buat untuk memberikan sedikit pemahaman dan pengertian tentang alur kerja PT.Rifan Financindo Berjangka. Banyak sekali orang yang bingung apa sih yang dikerjakan oleh perusahaan securitas seperti ini dan akhirnya saling serang mengenai judi atau tidak, halal atau tidaknya uang yang diperoleh dari bekerja dengan perusahaan seperti ini. DSB.

I hope… yang saya tulis ini bisa menjadi bahan pemikiran bagi para FRESH GRADUATE yang tertarik bekerja di perusahaan ini, para nasabah, broker dan para manajernya. Disini saya akan mengajak anda berfikir dengan akal sehat. Bukan menurut nafsu anda. Anda yang akan berfikir langsung.

Sebelumnya, saya udah pernah diterima di PT Rifan Financindo. Dan selama disana, saya menganalisa system perusahaan tersebut. Dan akhirnya saya putuskan untuk keluar dari perusahaan tersebut. Nanti anda tahu kenapa.

Oke, pertama saya akan meinginformasikan sedikit kepada anda bahwa PT Rifan Financindo Berjangka bergerak dalam hal JUAL BELI index saham. Dalam hal ini adalah index Hangseng Hongkong. Ada sebagian pakar yang mengatakan bahwa pengertian index disini adalah indikator perekonomian suatu Negara. Nah, kalo menurut saya, index saham hangseng disini adalah nilai rata-rata/angka ukur dari kinerja dari gabungan beberapa perusahaan terbesar atau unggulan (Bluechips) yang ada di hongkong sana. (Tolong perbaiki jika saya salah).

Nah, banyak sekali pemula (Fresh Graduate) yang ngelamar di perusahaan seperti ini (Rifan) mengaku kecewa dengan sistem kerja perusahaan. Termasuk juga saya.

Yang saya tangkap dua pertanyaan dan keraguan yang selalu muncul ketika fresh graduate ngelamar di ini perusahaan adalah :

  1. Apakah ketika kita trading (Berdagang) termasuk JUDI dan,
  2. Apakah sah trading di perusahaan ini dipandang dari sisi JUAL BELI menurut Islam.

Oke, saya akan coba membahas satu persatu kedua permasalahan diatas.
Pertama, singkirkan semua asumsi anda tentang halal atau tidaknya gaji/uang yang diperoleh dari perusahaan ataupun bisnis ini.

Yang sekarang harus anda lakukan adalah Ikuti dan tanyakan pada diri anda apakah yang saya tulis disini adalah benar menurut anda.

Yap, permasalahan pertama,

…Apakah ketika bertrading (Berdagang) di perusahaan seperti ini termasuk judi..?

Banyak sekali yang mempermasalahkan hal ini. Dan akhirnya saling serang argumentasi. Sebenarnya cara menjawabnya sangat gampang. Dan jawaban itu bisa anda temukan pada diri anda sendiri.

Silakan jawab pertanyaan ini.

Apakah anda berjudi/berspekulasi/hanya sekedar menebak posisi turun naiknya Angka Index Hangseng pada saat anda trading????

Jika anda bertrading berdasarkan analisa pasar, mungkin jawabnya anda tidak berjudi. Karena anda menggunakan analisa pasti.

Tapi jika anda bertrading berdasarkan feeling, saya bisa jawab bahwa 99% anda sedang berjudi atau bermain2 dengan uang anda.

Nah sekarang tanyakan pada diri anda apakah anda seorang spekulan atau bukan! Dan silakan jawab apakah anda sedang berjudi atau tidak layaknya bermain togel.

……

Next, Seandainya andapun trading menggunakan analisa dan anda yakin tidak trading berdasarkan spekulasi , yang jadi pertanyaan besar selanjutnya adalah masalah MARGIN (Modal yang dipertaruhkan ketika akan masuk pasar)…. Kenapa saya bilang dipertaruhkan…??? Ya tidak lain karena jika analisa kita terhadap index adalah benar, kita akan mendapat keuntungan sesuai dengan margin yang kita gunakan pada posisi index saat penutupan pasar atau saat kita memutuskan untuk closing. Dan sebaliknya mendapat kerugian sesuai dengan posisi index saat penutupan pasar. Dan dari sinilah kita bisa mendapatkan keuntungan / kerugian dalam berbisnis index.

Coba saya Tanya, sistem perdagangan apa yang seperti diatas kecuali lebih dekat kepada pertaruhan modal yang kita punya…??? Bener gak?

Nah, selanjutnya, coba anda pikirkan anda berada di posisi mana ketika anda trading dan coba pikirkan masalah Margin yang anda siap pasang ketika anda masuk ke pasar index…. Anda pasti menemukan jawabannya.

Permasalahan kedua,

Kita akan memandang Rifan Financindo Berjangka dari sisi JUAL BELI.

Nah sisi ini yang lebih menarik untuk dibahas. Sebelum membahas lebih jauh, saya akan tuliskan RUKUN JUAL BELI yang sah menurut ISLAM.

Lets Go......
Sebuah transaksi jual beli membutuhkan adanya RUKUN sebagai penegaknya. Dan RUKUN jual beli ada Tiga Perkara, yaitu:
[1] Adanya pelaku yaitu penjual dan pembeli yang memenuhi syarat.
[2] Adanya akad/ transaksi
[3] Adanya barang/ jasa yang diperjual-belikan.
Dengan Syarat
[3.1] Barang Yang Diperjualbelikan Harus Suci.
[3.2] Barang Yang Diperjualbelikan Harus Punya Manfaat.
[3.3] Barang Yang Diperjualbelikan HARUS Dimiliki Oleh Penjualnya.
[3.4] Barang Yang Diperjualbelikan Harus Harus Bisa Diserahkan.
[3.5]Barang Yang Diperjualbelikan Harus Diketahui Keadaannya

Coba saya tanya. Dan anda jawab dengan jujur. Ketika trading anda bisa menjual dulu..... Bener nggak??? Kalo bener,

Nah sebenernya, apa yang anda jual.....????

Inget lho, Perusahaan ini bergerak dalam JUAL BELI index saham!

Oke, jika anda masih sedikit bingung tentang masalah RUKUN, I’ll give you the next sample.

Here is :
Anda tahu kan Rukun Sholat berapa....??? Ya iya lah setiap muslim pasti tahu kalo Rukun sholat ada 13. Mulai dari niat, takbir, al-fatihah, rukuk, thuma’ninah, sujud, duduk iftirasy, tahiyat awal, tahiyat akhir, salam, tertib.

Nah, saya mau nanya, seandainya anda ketika sholat tidak melakukan salah satu rukun diatas, menurut anda, apakah sah sholat anda???

Ketika anda melihat teman, saudara, suami atau istri anda sholat ternyata mereka tidak rukuk misalkan. Nah pasti yang akan anda katakan kepada mereka adalah
"….Wah…. kamu tadi sholat nggak rukuk tuh…”’ Ulangi deh sholatnya…. Nggak sah kamu sholatnya.

Nah jika teman/rekan/saudara anda melakukan ini tanpa disengaja mungkin tidak menjadi masalah, tapi jika mereka melakukan kesalahan ini secara berulang2, pasti ada yang tidak beres dengan cara sholatnya!!!

Nah kembali ke permasalahan sistem JUAL BELI di PT Rifan, ketika anda masuk pasar, anda bisa masuk pasar pada posisi sell/jual. Posisi ini yang sangat aneh. Tidak punya apa2 tapi bias masuk dalam posisi sell.

Remember… Saat anda menjual, berarti anda adalah seorang PEDAGANG yang siap menjual barang dagangan anda.

Nah sekarang jawab dengan jujur. APA YANG ANDA JUAL ketika anda masuk pasar index….??? Pasti jawabnya TIDAK ADA kan…???

Padahal jelas sekali bahwa Adanya barang/produk/informasi yang dijual/dibeli adalah RUKUN JUAL BELI.

Selanjutnya anda bisa menjawab kan kalo RUKUN jual beli tidak ditunaikan apa konsekuensinya…??? Pasti anda menjawab “…Wah Jual Belinya nggak sah tuh…”

Right….???

Sekali lagi, Saya tidak mendoktrin anda dengan argument saya. Tapi saya mengajak anda berfikir dengan sisi LOGIKA. Kita diberikan otak oleh ALLAH supaya kita berfikir untuk mencari semua jawaban dari suatu permasalahan. Nah permasalahn PT Rifan ini sekarang sudah bisa anda jawab.

Kalo dari saya pribadi, sebaiknya jauhi deh Finance seperti ini. Ini system perdagangan luar negeri yang dipaksa masuk ke system perdagangan islam. Lebih baik menjauhi yang Syubhat (Meragukan).

Yang masih digangguin para broker perusahaan seperti ini, ajak deh mereka ketemuan. Dan tanyain dengan lantang “”…Perusahaan anda kan bergerak dalam bidang JUAL BELI, nah, apa yang akan kami JUAL seandainya saya menjadi nasabah perusahaan anda…kami kan gak punya apa2 selain modal yang kami investasikan”” Selanjutnya anda bisa analisa jawaban dari broker yang mengajak anda bergabung. Apakah jawaban mereka bisa diterima dengan akal sehat atau tidak.

Untuk para nasabah, Lebih baik investasikan uang anda untuk Satu hari dimana tidak ada satupun yang bisa menolong anda kecuali amal dan perbuatan baik anda. J (…Jadi ceramah deh…)

Dan yang terakhir, untuk para broker, anda bertanggung jawab terhadap nasabah anda. Anda bertanggung jawab terhadap penjelasan yang anda presentasikan kepada calon nasabah anda tentang pengetian dan RUKUN jual beli yang sah menurut islam.

Dulu waktu masih sekolah, saya berkhayal kalo saya bisa kerja di perusahaan saham seperti ini. Dan tak disangka, khayalan saya untuk diterima bekerja di perusahaan ini bener2 menjadi kenyataan. Tapi dari kenyataan yang saya dapatkan tersebut, Saya mendapatkan kenyataan lain kalo saya tidak bisa menerima sistem kerja dari perusahaan ini.

Dan terakhir, jangan gampang percaya deh di iming-imingi penghasilan gede tapi harus cari nasabah dulu. Nasabah anda adalah bagian dari tanggung jawab anda. Pikir dulu system kerjanya gimana sebelum akhirnya memutuskan untuk bekerja/tidak di perusahaan tsb.

Cheers…