Istilah Penting dalam Forex Market

Forex: dikenal sebagai pasar mata uang asing, adalah sebuah pasar tanpa counter.

Currency pair: dua mata uang asing yang dihadapkan dalam nilai tukar mata uang asing.
Mis. USD/JPY

Base currency: Mata uang yang disebutkan dulu dalam currency pair. USD adalah base currency
pada USD/JPY.

Pip: unit nilai terkecil dari harga yang dapat diperdagangkan. Mis.USD/JPY = 83,45 berarti 1/100

Spread: Selisih antara harga yang ditawarkan dengan harga yang diminta dalam curreny pair.

Tick: Perubahan minimum, baik kenaikan maupun penurunan, yang terjadi dalam perubahan
harga mata uang asing.

Glossary of Credit Card

Glossary Here are terms you may find helpful. Annual Fee: Various card issuers charge an annual fee, which can help offset costs that issuers incur in maintaining accounts. Automated Teller Machine (ATM): Lets you perform banking transactions anywhere and at anytime. By using a debit or ATM card at an ATM, you can withdraw cash from checking or savings accounts, make a deposit or transfer money from one account to another or perform other functions. You can also get cash advances using a credit card at an ATM. You should also be aware that many banks charge transaction fees - for using another bank's ATM. Cash Advance: You can obtain cash on the spot by using your card at a bank or an ATM. The amount of the cash advance is deducted from your available credit line or funds on deposits. A fee is often charged when obtaining cash advances. In addition, the interest rate is usually higher than on purchases and there is typically no grace period. (A cash advance is different from a withdrawal you make with your ATM card.) Credit Line/ Line of Credit: Also referred to as your credit limit. This is the maximum amount you can borrow using your card. Grace Period: The time - usually 20-25 days - when you're not charged interest for purchases you've made. For example, if the billing date on your credit card bill is May 1 and you have paid your prior balance in full, you may have until May 20 to pay your new balance in full. If you do, you will not be charged interest. If your payment arrives after May 20 - or if you don't pay the entire balance - you may be charged interest from the date of purchase as posted. Some accounts have no grace period, which means interest is charged on purchases from the date they are posted. Merchant: Location or store where purchases are made. Online Banking: Online systems enable you to plug into a host of banking services from a personal computer by connecting with the bank's computers over the Internet. PIN: Personal Identification Number: Secret code you choose for your card that enables you to access your money or perform banking transactions through the ATM as well as make purchases without signing a sales receipt at merchants that have PIN pads. Don't share your PIN with anyone. Travel Assistance Services: Access helpful information on travel requirements including documentation (visas, passports), immunizations or currency exchange rates. Enrollment is automatic for eligible cardholders and the assistance service is free to cardholders. Worldwide Acceptance: With more than 22 million acceptance locations, no payment card is more widely accepted globally than MasterCard.

Understanding Credit Information you should know about credit. What is credit? Credit is an agreement between a lending organization (such as a bank, store or credit card company) and you, the borrower. That agreement puts money in your hand, in your bank, or on a credit card, for your use. The terms of repayment, including interest charges, are usually set up front and are governed by an agreement between you and your issung bank. Differences between Credit and Debit cards Credit Card You can make purchases up to your credit limit. When the bill comes, you must pay at least the minimum balance. Banks charge interest on unpaid balances. Generally, if you pay the entire bill at the end of the month, you will not have to pay interest charges. If you maintain an outstanding balance, you will be charged interest at a predetermined annual percentage rate (APR), which differs from issuer to issuer. Debit Card Funds are automatically taken from your account to cover charges. You can spend the total amount that is in your account. Establishing credit First, apply for a credit card that meets your needs and spending habits. See Find a Card. As you pay off your purchases in a timely manner, you'll build a good credit history. Maintaining good credit The most important thing to do is pay your credit card bill regularly. Pay the entire bill, or as much as you can afford (at least the minimum payment), each month. If your bill is delivered late or if you won't be able to pay it on time, contact your card issuing company to make payment arrangements. If you know you'll be carrying a balance each month, consider a credit card with a low interest rate. And be sure to learn the impact of compounding interest - the amount you're charged in interest on top of purchase and interest charges unpaid in previous months.

Foreign Exchange (Forex)

Pendahuluan
Tahukah Anda bahwa pasar forex merupakan pasar terbesar di dunia? Berbagai mata uang dari seluruh dunia diperjualbelikan dengan nilai lebih dari $ 1 triliun,- dalam perdagangan setiap harinya di pasar ini. Tulisan ini mencoba untuk menjelaskan dan  memberikan pemahaman perihal nilai tukar mata uang, mengapa beberapa diantaranya berfluktuasi, sedangkan sebagian lainnya tidak.
 
Nilai Tukar Uang
Nilai tukar uang adalah nilai dari sebuah mata uang (currency) yang dapat dipertukarkan terhadap mata uang  lainnya. Dengan kata lain, ia merupakan nilai dari sebuah mata uang asing dibandingkan dengan nilai mata uang yang berlaku di negerimu. Jika Anda pergi ke luar negeri, Anda perlu membeli mata uang negeri tersebut. Seperti halnya barang dagangan lainnya, nilai tukar ini merupakan harga yang Anda bisa beli dengan uang Anda. Jika seorang Amrik datang ke Indonesia, dan dia melihat nilai tukar yang ada : USD 1,- adalah IDR 9.000,-  maka dengan uang sebesar USD 10,- dia bisa "membeli" IDR 90.000,-  Teorinya, barang yang sama bisa dibeli dengan harga yang sama di negara yang berbeda, karena pada dasarnya setiap mata uang itu akan membawa nilai tukarnya kemana ia pergi.