Softskil

Nama      : Fransiska Dwi Buana
NPM       : 12215772
Kelas      : 1EA33

Economic and Bussiness
Credit cards
If you are bringing a credit card to Australia ensure that you tell your bank as they may place a hold on the card. If you have a Cirrus or Plus sign on the back, you will be able to use that card in Australia. Don’t forget that you may be charged extra fees if you use the card from your home country in Australia each time you use it. Credit cards are useful for large items, but try to pay off the balance each month to avoid interest charges.

EFTPOS (Electronic Funds Transfer at Point of Sale)
Bank cards that are related to your accounts can be used wherever you see eftpos machines, or the EFT sign. They are easy to use, and you only need to remember a four digit pin number. It saves on having to carry cash around, although you need to remember there is a daily withdrawal limit.

Internet banking
Most banks will provide access to your account via the internet. These sites are easy to use and can help with keeping track of your money.

Gold Investment
Investment is a business that can be profitable. There are so many kinds of investments such as capital investment, property and precious metals investment. From these types of investment, gold investment is an investment which is the safest because it can avoid risks such as reduced prices, bankruptcy and others. There are several kinds of gold investments which can be done namely bar-gold investment, dinar gold investment and jewelry gold investment. Before you invest in gold, you have to understand the advantages and disadvantages of those gold investments. The following is characteristic of gold investment.

Bar-gold investment
Bar-gold is pure gold which is bar-shaped and has some kind of value based on their size such as 10 grams, 2 grams of even 1 kilo gram. Investing in bar-gold has some advantages and disadvantages. The advantages are bar-gold is not taxable, fee print free and the resale value is quite high. However, the drawbacks are bar-gold is difficult to be sold because of its size. If we have 10 grams of gold, we cannot sell it separately for example 5 or 7 grams but we must sell as a whole.

Dinar gold investment
Dinar gold is a coin-shaped gold. Investing in dinar gold would be beneficial for us. The advantages are dinar gold dinar could be divided so that we can sell according to our needs, for example if we have 100 dinars, we can sell 10 dinars while the rest can be stored back, and the value is always rise because it follows developments in world gold prices. However, dinar gold also has its drawbacks. The disadvantages are dinar gold is still considered as jewelry in Indonesia so that it will be taxable and the printing costs are also quite expensive.

Jewelry gold
Surely you already known jewelry gold such as rings, necklaces and earrings. The advantage of investing in gold jewelry is it can be used as personal purposes. However, investing in gold jewelry also has drawbacks such as the production cost is high, taxable and difficult to trade.
Are you interested to invest in gold? If so choose and understand the type of gold you want to invest. Certainly investing in gold is very beneficial if it is compared with other types of investment.

Conditional Sentence

Type1              : If you have a Cirrus or Plus sign on the back, you will be able to use that card in Australia.
Translation     : Jika Anda memiliki Cirrus atau tanda Plus di bagian belakang, Anda akan dapatmenggunakan kartu itu
                            di Australia.

Type1              : If we have 10 grams of gold, we cannot sell it separately for example 5 or 7 grams but we must sell as
                            a whole.
Translation     : Jika kita memiliki 10 gram emas, kita tidak bisa menjualnya secara terpisah misalnya 5 atau 7 gram tetapi
                            kita harus menjual secara keseluruhan.

Type1              : for example if we have 100 dinars, we can sell 10 dinars while the rest can be stored back, and the
                            value is always rise because it follows developments in world gold prices.
Translation     : Sebagai contoh jika kita memiliki 100 Dinar, kita dapat menjual Dinar 10 sementara sisanya dapat
                            disimpan kembali, dan nilai selalu meningkat karena mengikuti perkembangan harga emas dunia.

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