Thread: Investment and Savings Tips
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Jul 9, 2007, 03:53 PM #16
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Hidden Content Originally Posted by smiley
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Jul 9, 2007, 05:21 PM #17Hidden Content Originally Posted by nopai
Jadi kalo masuk RS, digantinya cash, bukan reimbursement ...
Ada minimumnya nggak untuk ikutan si prulink ini? btw, namanya prulink bukan sih?
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Jul 9, 2007, 05:33 PM #18
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Good topik Hanz...
Aku jadi pembaca setia aja....
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Jul 9, 2007, 05:36 PM #19
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slesta husss.. itu khan krn skrg kita blm pny anak, jd masih bisa survive dr interest nya aja.. kl dah pny anak & mrk grow up pasti nya ga akan cukup dr interest aja.. apalagi suami mau nya pny 4 anak Hidden Content dan obviously principal itu sebagian besar adalah suntikan dr mertua :P
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Jul 9, 2007, 07:08 PM #20
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slesta, celia: gw gak yakin ORI 3 bakal bagus, kayaknya cenderung turun yah.. Yg panen tuh ORI I, wah... enak banget tuh..
Btw, rate sekarang udah 6% an loh... Turun terussssss
jell, empat nih beneran wow... Hidden Content
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Jul 9, 2007, 07:32 PM #21
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Hidden Content Originally Posted by smiley
Iya namanya prulink.
Kayaknya ada kali ya minimumnya? Gue juga gak tanya, tapi pegawe di kantor gue ada yang ambil 300rb per bulan. Gak tau itu minimum apa bukan.
Bisa juga diitung dari kebutuhan lo, maksudnya berapa yang pengen lo terima kalo masuk RS per malemnya, perlindungan kalo kecelakaan, operasi, etc, di-compare ama umur, nanti keluar angka yang musti lo bayar per bulan.
Trus preminya bisa lo ganti juga kalo ngerasa perlu, misalnya awal lo join 500 rb per bulan, trus udah 6 bulan lo mo ganti jadi 1 juta per bulan, ato sebaliknya, bisa aja. Tapi juga akan mempengaruhi besarnya penggantian protection yang lo terima.Should I buy this one or that one?
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Jul 9, 2007, 07:35 PM #22
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wahh seru nihh..
klo gw siy slama ini baru invest di stock market aja, emang resikonya bisa dibilang tinggi bgt siy, it takes me years to finally learn the rhytm n i've had some bitter days where i have to cut loss..tapi ya krn gw juga msh single blom ada tanggungan jadi gw punya option bwat ga narik tuh duit n tetep puter2in mpe untung lg..hehe..so far siy gw masih enjoy invest dsini tapi tertarik juga siy bwat invest di reksadana, msh nyari2 yg proporsi portfolionya ok..pengen juga invest di property tapi gile aje blom mampu boww,hehe..wong yg gw taro di stock market ini aja gw kumpulinnya dikit2 dari allowance yg bonyok kasih slama bertaun2,hehe..
klo insurance, gatau ya personally gw dah trauma siy..i've had some bad experiences when my dad passed away, dari sekian banyak asuransi yg beliau ikutin only few were true to its words, tapi ya sutralah daku ga mo inget2 lgHidden Content
btw, bwat yg di aussie..setau gw siy dmanapun loe kerja walopun cuma part time or casual, employer loe wajib naro beberapa dari gaji loe (gatau brapa %) ke superannuation fund of ur choice jadi walopun pindah2 kerja ntar tinggal bilang mo taro di superannuation yg mana..setau gw di indo juga ada kan ya yg gtu? jamsostek ya klo ga salah namanya..anyone knows? menurut gw ini bagus bgt, kan secara otomatis ada tabungan hari tua..
gw juga setuju ama darling n slesta bwat belajar ttg tax klo kebetulan tinggal di negara yg sistem taxnya proper..n ngomong2 tentang ini tax return gw taun ini more than a half from my total tax witheld!! ya ampun rasanya dah mo pingsan kesenengan gw..hehehe..soalnya gw ga pernah ngarep byk siy benernya dari tax return, gw anggap aja kewajiban makanya dibalikin lebih dari stengah dah kayak dapet lotre aja..:P
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Jul 9, 2007, 08:06 PM #23
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Hidden Content Originally Posted by nopai
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Jul 9, 2007, 08:22 PM #24
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Hidden Content Originally Posted by mita
and i'm sorry for the loss of your father..
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Jul 9, 2007, 08:26 PM #25
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Hidden Content Originally Posted by ceLia
Nah, kalo adek gue hospitalized-nya karena operasi usus buntu, jadi dia bisa claim biaya nginep plus biaya operasi. Cuman berapa yang bisa di-claim, again tergantung dari premi kita juga.
Tabel gue ada di safety box gue neh, jadi gak bisa liat juga. Tabel itu kan benernya cuman perkiraan, mereka cuman ambil suku bunga rata-rata. Tabel gue waktu itu sih BEP setelah 2 tahun, abis itu ya bunga berbunga sesuai saldo kita (diambil apa enggak). BEP-nya kapan dan bunganya berapa tergantung dari pilihan kita mo berbunga dengan cara apa? High gain = high risk. Trus kita kan cuman bayar selama 10 tahun, tapi protection yang kita terima sampe umur kita 99 tahun.
Kalo bisa sih jangan diambil kali ya duitnya. Buat gue sih ikut prudential ini kayak maksa gue nabung tiap bulan, plus ada protectionnya. Amit-amit jangan sampe ada apa2. Tapi kita kan gak tau kapan sakit, tau2 kena DB kayak suami gue ato kayak adek gue tau2 usus buntu.Should I buy this one or that one?
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Jul 9, 2007, 08:35 PM #26
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thx darling..dah 3 taun yg lalu kok Hidden Content
btw, gw baru tau 47% ya tax ratenya? OMG,gilee..gw siy cuma part time trus gw juga bukan PR or citizen, i'm on student visa jd kayaknya ga segede itu siy taxnya..tapi skg kan financial advisor ama superannuation byk nawarin alternatif2 bwat invest dgn minimal tax jadi pinter2 kta nya aja yg milih..
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Jul 9, 2007, 09:34 PM #27
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hehe, a bit irrelevant ttg asuransi. salah satu client di tempat kerja is world's largest life insurance provider. ada affiliation juga sama prudential indonesia, astra, ing, etc. ada project yg butuh data2 dari affiliate countries sales. wah kalo ngeliat angka dari indo seru booo, banyak 000-nya, jadinya kalo nerima data2nya stand out sendiri di antara negara2 laen. tapi setelah diconvert ke AUD/USD kok jadi dikit yah. hahah.. Hidden Content
now, some insight.. duhh, insurance business itu profitable banget. untungnya bagi perusahaan asuransi itu gede bangettt. dari affiliate business di asia bisa nyampe 70%, sisanya baru local. and jarang banget orang yg actually claim..
hmm, the stuff that people would actually buy.. broken bones lah, trauma lah, womens protection lah. trus di korea tuh ada khusus plastic surgery insurance haha.. saking populernya kali di sana. :P
properly insured is important, but overly insured is foolish. uangnya mungkin bisa dipake utk keperluan laen: down payment rumah, retirement, ato bayar college anak, etc. trus life insurance - kalo ga ada dependent sih ga terlalu perlu yah. health insurance/income replacement/disability gitu lebih bermanfaat. tapi setau gw rule of thumb for life insurance: your current household income x 7. soo misalnya household income is $90,000 annually. that would amount to $630,000 in life insurance (7 x 90K).
so yeah.. consider the facts before buying (butuh ga? any dependent? bisa ga afford out-of-pocket expenses?), only buy from stable insurer (jgn ketipu harga murah). and comparison shop (do your research).. Hidden Content
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Jul 9, 2007, 09:41 PM #28
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Hidden Content Originally Posted by mita
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Jul 23, 2007, 03:01 PM #29
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Great thread!! Hidden Content
I think we girls really need to educate ourselves wisely in financing. Seperti kata slesta di Hidden Content nya, siapa sih yang gak mau jadi financially independent. Menurut gw, semua cewe, regardless of the age you're in, needs to know how to manage your own finance and it's never too late to start learning. Kuncinya satu doang: punya niat!
I've come across this Hidden Content a while ago, and perhaps to many of you girls here, this could be the place to start. The next step is to never stop researching about financial updates and jangan pernah malu bertanya!!
...gw cinta mati nih ama FD Forum, you girls rock!! Hidden Content Hidden Content
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Jul 24, 2007, 07:59 AM #30
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gue lagi considering untuk naro di capital market buat my own learning experience. Tapi masih takut2... Takut salah pilih stock, takut ga sabaran, takut ini, takut itu... Sebenernya sih, I need to start doing that since, I'm doing two degrees in quantitative finance and business administration, and I guess it would help a lot if I do it in real terms. Any advice on how to get started?
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