ASEAN-6 have agreed to a zero tariff agreement for the member countries of Brunei Darussalam, Indonesia, Malaysia, Philippines, Singapore and Thailand to be able to import and export of almost all goods crossing their borders without tariffs.
Based on a press release, the implementation of the agreement will begin as of January 1, and additional tariffs for the ASEAN member countries-6 Abolition of tariffs will be eliminated by the ASEAN-6 affirmed ASEAN’s commitment to eliminate tariffs and maintaining an open trade intra-ASEAN, it also serves as catalyst for the development of the single market and production base that is projected by the blueprint of ASEAN Economic Community (AEC).
The impact of the large number of real and final installment will be translated into savings for consumers who depend on market dynamics of each country of ASEAN-6. Secretary-General of ASEAN Surin Pitsuwan said that ASEAN is hoped that all parties will act to ensure that all people can benefit from this tariff reduction.
As for the business community, especially the downstream producers, Dr Surin said that they too can fight for profits, “costs are lower income will allow the business community has a choice of a broader, and in the process of the process, they will move toward a more globally competitive , as described in the AEC Blueprint. Common Effective Preferential Tariffs for the ASEAN Free Trade Area (CEPT-AFTA) which covers the entire range of products traded by member countries of ASEAN and to provide for the gradual reduction of tariffs of their products, which have taken place since 1993.
Based on the CEPT tariff reduction schedule, AFTA, each ASEAN member countries are allowed to place their products in the normal path, which has committed to reduce their trade tariffs to zero percent by 2010 for ASEAN-6 and 2015 for the remaining four countries, namely, Cambodia, Laos, Myanmar and Vietnam. In 2010, four countries will also see the reduction of tariffs under the CEPT-AFTA commitment by five percent, where the average tariff will decline three percent in 2009 to 2.61 percent.
irrespective of the above agreement, of course, we as a society in Indonesia hopes the government, so that the application of AFTA can bring positive change for people, especially business people and not vice versa, even kill them.

At least, there are four steps that must be passed to the top of financial independence. First, let the logic of the influence of feelings when making decisions in the financial sector. Second, have a greater income than the most basic expenses. Third, the ability of financial planning and implementation. Fourth, freedom from financial need to pay to live in when no longer productive.  Are the four steps are successfully achieved, would provide a sense of happiness? Not necessarily. New financial independence than the conditions that give a sense of security from financial problems. While the feeling of happiness, life satisfaction, not simply a matter of money. However, the pattern of money management itself is an impact also on a sense of satisfaction in life.  The most basic meaning of money is as a medium of exchange, for then one is able to meet their needs. Money and property is a lot of financial goals to achieve life goals. And, it can be achieved by anyone. However, many people forget how the process of achieving it. Good results should be achieved on the basis of a good process. In summary, financial independence would only stop at this stage if the process of achieving self-sufficiency was not done with the rules should be. That is, if the process towards financial independence was not done in a way which makes sense of security, financial independence likely it will be artificial. Not essential.

Let alone to reach the stage of financial perfection, even though maintaining financial independence will be a big problem. It’s like the saying goes, “From zero back to zero”. When young, a person works hard in every way to make money, but after the old, the property acquired will be used to settle out any problems that were made when looking for treasures. If things like this, which achieved financial independence is a false truth. Because financial independence is when the money was not needed anymore, until the end of life. Not just a moment condition.

Principle

So, how to achieve financial excellence? Not difficult. Only two principles. First, the process towards financial independence should be done in a way and the proper rules. Call on the first rung, in terms of putting the logic of the above feelings. This is an ongoing process. In all matters concerning finance, do not ever mix aspects of feelings in decision making. So also on the second rung, do not ever think or feel is not enough that spending be greater than revenue. However small current income, must be addressed with sufficient significance. That want to increase revenue is a must. However, the delta increases in revenue should be greater than the increase in expenditure. Apart from that, the most important is the procedure that increases in revenue. Do with financial planning with the norms. Not because I wanted to get a Mercedes S-Class, and “prostituting” the principles or rules of etiquette rape live. The same is true in investing. Do not use the “vehicle” speculative investments to increase wealth because the results would be artificial. The second principle is the meaning of money itself. Like what? Money is simply a means to provide benefits. Goal seeking more money is not for the money, but how that money could give added value in the life of the owner of money, family, relatives, other people, and whoever widely. So, if money has not been given the comfort of life, there is a mistake in interpreting the role of money. And, that’s a mistake to be corrected. For example, by redefining how should I look for money. Within 24 hours a day, life is not just for the money, but there are things and other activities to do in order not to become “slaves” of money. Furthermore, after the money earned, intended to be clear. Without a clear designation, meaning the existence of money to be lost. In conclusion, if you want to feel “more vibrant life”, not just financial goals at this stage of achieving financial independence, but also to financial excellence, where cash benefits for the owner and others. Good luck.