The survey was conducted of 197 countries in the world, for the Role of Law Index, which serves as a materials evaluation of risks to global investments of multinational corporations. This index evaluates judicial freedom and efficiency, and counting rules and policies which are implemented in a transparent manner.

19 countries have recorded tremendous risks, including the oil-rich countries. However, Myanmar still listed provide operational and strategic risks are most significant. With the current political reform and the possibility of sanctions lifted, Myanmar offers huge potential for oil and gas companies.

Here are 10 countries with the worst risks for investors in the world:

• Myanmar
• North Korea
• Somalia
• Southern Sudan
• Turkmenistan
• Cuba
• Cambodia
• Afghanistan
• Syria
• Libya.

1. To protect ourselves and family from financial risk
In the life cycle of course there are times of rising and falling levels of life, and can not be denied, wherever our life situations, certainly relate to money. Ups and downs of the financial situation can still be solved with the help of a professional. What are the critical issues and emergencies related to finance, for example are: job loss, illness, accidents that cause disability, and death of the head of the family as a source of income.

2. To pay off debt
It’s very good if we already have investments, either investing in capital markets, property, business or valuables. But there are still many among us who also have a large debt, especially consumer debt. It is actually very important to look for a way out. It is not appropriate if every month to invest in order to collect the assets but also accumulate debts which interest is higher than the results of our investments. Therefore, resolving debt is the most important thing in a Financial Planning we have.

3. For the cost of raising children
Every parent would like to provide the best for their children. Therefore, a sizable portion in the household budget is the cost of raising children that can last about 20-25 years before our children can pay for itself. This fee covers since the child was born, until the cost of the wedding, but the most important costs are the costs of education since it entered the preparatory school (pre-school) to college.

4. For the purchase of assets, from cars to home
The home is a major asset that should be owned by someone, other than for use as a residence, the house also become an asset whose value increases over time. The second asset is a must-have vehicles. A comfortable life of the vehicle is 5 years. So like, every 5 years we need to replace our vehicles. But not everyone, even if already have a job, can afford to buy homes and cars because the salary is only enough to finance their daily lives so that from year to year is never enough money to buy assets. Therefore we need a solution to the desire to buy the assets of the asset can be achieved.

5. To finance the purchase of an insurance policy
All the assets we already collect is to satisfy all the needs of family life, but imagine if one day an accident, illness or death, so that we can no longer of finance for the family. To protect the economic value of someone who is a source of family income is by insurance.

6. To be able to enjoy retirement with a comfortable standard of living
Retirement is a time for us to enjoy a break from work. Of course we want to enjoy a comfortable standard of living. It’s not the time at retirement, actually we still have to find a job to pay for our lives. Not the right thing as well if we have to rely costs to our children who may still require fees for his own life even to his family.

7. To bequeath our wealth to children
If we already have financial planning and wealth then all the assets we’ve arranged for any purpose. In the end, if we live long and enters retirement age, all the wealth that we have can we pass on to children. Therefore, preparing a will also be part of a Planning, so that the next generation can enjoy and preserve the wealth that we inherit.

The earlier the start of a planning, the better, especially when age is still productive. Thus, financial conditions will be better with a long term investment to get maximum results.

Obstacles to Start a Business
Fear of failure
Almost everyone thought better to start a business because they are afraid to face the risk of failure. All they wanted was instant way to achieve success without substantial capital. This condition often lose motivation beginners, so they chose to back off and buried deep in their desire to become a successful entrepreneur.

Accustomed to a comfortable position
In fact not everyone is willing to take big risks to pursue the world of business, they prefer the safe position by leading a comfortable life as an employee. Mindset which is the major obstacle for us to immediately switch from the soul of an employee into a successful entrepreneur who has the courage to face all full of obstacles.

Have not been able to focus
The third constraint is not able to find businesses that want to focus occupied. Most people still get confused when they were about to start a business. They want a big profit but was not sure what they want to focus efforts run. So do not be surprised if their dreams become just an empty dream that can not be realized due to constraints from within him.

Preparation of Starting a Business
Determine the business idea
The first step you need to prepare is to determine the business ideas that will be executed. Search the business idea can be started from a hobby or skill you have, then can your field as new business opportunities that promise huge profits every month. In addition, in determining the business idea is to adapt them to the most important capital you have, knowing the market tastes, and in accordance with the field that you like.

Prepare to start a venture capital
Before running a business, it is important for you to know how much capital you need. Make a budget and economic analysis of the business, and prepare all the capital that was intended. Starting from the equipment and supplies required, the amount of funds needed, as well as the ability of capital to be developed to support the progress of your efforts.

Eliminate your sense of pride
Starting a business requires intention, determination, and mental steel to be able to realize their dream of business success. Even no less a beginner must struggle alone to pioneer a business, from preparing the product, business location, to find a market, to serve its customers. Therefore, get rid of a sense of pride you to pick up the success that is in plain sight.

Paul Spenley, a benchmarking expert, author of the book, Riding the Revolution (Harper-Collins, 2001) with Robert Heller, said there are five levels of benchmark:

• Strategic benchmarking, utilized to drive continuous improvement (continuous improvement) and sharpen the overall corporate strategy
• Competitive benchmarking, used to match and exceed the direct competitor
• Customer benchmarking, understanding the consumers and customers to the company compared to its peers
• Financial benchmarking, are used to measure the return on investment (return on investment) compared with similar companies
• Best practice benchmarking, to measure the output with the time and cost compared to its peers.

Benchmarking is not a method that is used occasionally, or just once over the life of the company, but rather an ongoing process and periodically, depending on need and urgency, at least once a year, when entering a new budget.

Many managers who are experts in preparing business (annual) plan but forgetting an important process of benchmarking, so that the business plan have not been accommodated. It is no exaggeration to form a team in order to create an oriented benchmarking includes key positions of each department or division concerned; enough team to master the necessary information and has a sharp analytical power.

Benchmarking will force companies to continuously improve themselves and at one time by streamlining several business factors or drivers to be the best, without feeling the company will progress rapidly and competitive superior compared to its competitors.

Benchmarking is action-oriented, not just analysis and theory or hypothesis. Therefore, the degree of accuracy, sharpness in analyzing, and ability to perform the selection of factors or the business drivers that influence is important, and after repairs have to walk. For this reason, very necessary commitment and support of top management and the seniors.

Even so, managing employees is not easy. Every employee has the character and abilities vary, so that business people should be a good leader and really smart to build employee commitment.

It took a while to build employee commitment. This principle must be understood of business, loyalty and commitment of employees can not be built within a day or two days. So that employers can observe the development of each employee each day to provide good role models so that they are increasingly loyal to the company you run.

Perform a personal approach. To create a comfortable working environment and fun, try to always maintain good relations between employers and employees as well as cooperative relations between their respective employees. If necessary, perform a personal approach to the relationship you and your employees so they could closer linger at home working on your business premises.

Provide employees with training and orientation about the company. Almost every employee needs training and orientation on business profile as well as work culture in your company. Therefore, do not hesitate to give some special training for employees to improve their performance and provide additional orientation of the image of business you run. It is important that the employee’s ability to increase and focus and purpose of the employees could be in line with the vision and mission.

Supervision needed to maintain the quality of work of employees. Sometimes employees need direct supervision of the heads so that their performance is maintained. This strategy is quite effective, so the quality is maintained employee and the company set targets can be achieved each month.

As we often hear, “it took many years to build the reputation of the company. But to destroy it, just a matter of seconds”. That’s how the internet and social media can affect the good name of the company. This requires awareness and active role of firms in order to maintain their reputation. Here are six steps in short:

1. Do not Pretend There is No Crisis
When there is a problem that hit, the attitude of most of these problems is trying to heed the alias to pretend that no crisis. Until in the end, no nothing response to the problem and it is also becoming a bigger crisis like a snow ball. Slower response will mean greater costs, but an excessive response was as dangerous as late responses.

2. Do not Make Empty Gesture
If you want to make an apology, do it wholeheartedly. Do not just merely a formality and the style that lazy and uninspired. Because this will show if you and high-minded company.

3. Improve Yourself
Social media should be an instrument of honest communication. Admit your mistakes, and talk with a customer to calm the situation is not conducive. At the same time to convey what would you do to improve things.

4. Build Chanel Communications
Nothing wrong to create a blog, Twitter account, Facebook for your company. Because this is where the company can build a network, both among customers, employees and other stakeholders. It also will allow companies to interact via email, video, or webchat. This strategy also seemed to have become commonplace in the digital age. Especially if it refers to a fast response is so important.

5. Prepare a Crisis Communication Response Team
A good company can not only disseminate information to the public, but also can give a good response. Try to hear the public voice and monitor passing sentiment. After that, prepare the team to inform and advise the relevant parties about what is happening and how she responds.

6. Being Influential
To become an influential company, do not expect to happen if you or your company does not have a good interaction with the public. Begin to build a fabric of good communication with the audience. Communication channels can also be used to interact about your company’s brand or product. Including when a crisis arises, you or your company can have better control of the perception that emerged.

1. Investment in property. If the bank lowers interest rates, 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.

2. Investment in 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. 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.

4. Short-term investments. For short-term investments should still use banking products and precious metals.

Beware on some kind of insurance or unit-linked investments that will mature in 2012. If investment returns were not satisfactory, after deductions and other expenses, can lead to disappointment and even complain. Then you should be careful with your insurance options.

First, the cost of the end of this year’s celebration is not budgeted in the annual budget. Secondly, if the budgeted too eventually exceed the cost of funds already budgeted. Since budgets are made not specified can cause an end to the use of funds not budgeted, such as using a credit card. It’s the end of the year can be run with great fanfare, but the beginning of the year will be preceded by repaying the debts. Several steps should be done so that the early years can be lived with a new atmosphere is comfortable and free from the burden of debt is:

1. Make a detailed list of what you plan to do to get through the end of the year.
2. From the list, make a breakdown of costs is required from each list. The more detailed the better. Until you know whether you have sufficient funds to finance the year-end plan.
3. In using a credit card to pay for the purposes of the end of this year, be sure only to the means of payment and paid in full at the time before the due date of payment. So you do not have to pay high credit card interest.
4. At the end of the year, many holiday where banks would be closed for several days. Therefore, if payment of the bills you do not use a payment / automatic debit, then you should check the due date of payment of your bills.
5. Check again the allocation and access to the placement of your emergency fund.
If you are on vacation out of town or abroad, be sure to keep an emergency fund can be accessed easily when needed place for your vacation.
6. If you have not created this during the budget end of the year, begin to make it for next year and future years. The more time that is prepared, the more options you have for planning your year-end. So every year you can enjoy year-end and the beginning of the year with more financial sense.

Firstly, the use of high-pixel digital camera, to capture high-resolution photos, choose a high-pixel digital camera is very important, but not the pixels, the higher the better, but also the root. It uses pictures to decide. Available online or send Email, need 400000-800000 pixels; 5 × 7-inch enlargements, 2.1 million pixels will enough. If it is enlarged to 8 × 10 inches or more, it would need 3.1 million pixel digital camcorders. Need to enlarge the size of the larger number of requests. The higher pixel values ​​of digital cameras need. However, one should note that the rule is that the same pixel values ​​in digital camera, the image sensor area larger digital camcorder image quality better, with clearer photographs.

Then, the use of high-resolution mode, needless to say, in a digital camera, first set the resolution to note the problem. Of course, the higher the resolution setting, shot out of the picture is the better. However, there is no need to set the resolution too high, also according to need. High-resolution image, large amount of data files, not only takes up a lot of storage space. But also read, storage, transmission, processing speed will be very slow. It’s a waste of time. Resolution, the total pixel value is shooting the choice. Resolution digital camcorders are generally divided into high, medium and low grades. We take an example for Nikon D100. Nikon D100 for the 6-megapixel digital camera, its resolution is divided into three kinds of English are Large, Medium and Small. It referred to as L, M and S. Three kinds of resolution of the actual number of pixels are following, Large: 3008 × 2000, the actual pixels of 600 million. Medium: 2240 × 1488, 3.3 million effective pixels. Small: 1504 × 1000, 1.5 million effective pixels.

Digital camcorder at the factory have been carried out image resolution and compression mode settings, the Nikon D100 is factory set to Large, the 3008 × 2000 = 600 million pixels. Generally enlarged to 8 × 10 inches below the photo, use the format of 1504 × 1000 Small can actually like factors of 1.5 million; enlarged to 8 × 10 inches to 14 × 20 inches, you need to Medium format 2240 × 1488, 3.3 million actual pixels; if to zoom in to 20 × 24 inches or more, you need Large format 3008 × 2000, the actual pixels of 600 million.

Premium business could be run without a promotion, but you need to wait a long time to enjoy the results. If the promotion you can enjoy the results within three years, then no you need a seven-year campaign to introduce the product.

So in addition to observing how much of a competitor, did more vigorous promotion and branding. Also plays an important marketing strategy for business success premium. Although the promotion is important, but the motivation to build the business further on it. Motivation and target key markets have if want to build a business, although it did not have enough money as capital. Afterwards you need to determine what products are sold and became a mainstay, and then do the marketing and promotion programs are mature.