[SYUKUR PAGI] #7

7 (dibaca tujuh) adalah sebuah angka, sistem bilangan, dan nama dari glyph yang mewakili angka tersebut. Bilangan yang dilambangkan dengan angka 7 (Arab) atau VII (Romawi). Angka ini merupakan bilangan asli di antara 6 dan 8 yang juga adalah angka favoritku.

7 (tujuh) bulan yang lalu, awal Februari 2017, dengan sangat terpaksa, perusahaan network marketing tempat saya bekerja selama hampir satu tahun lamanya harus tutup. Beban operasional yang cukup besar tidak mampu ditutupi oleh pendapatan penjualan. Tentu saja, saat kabar sedih itu datang, ada rasa khawatir karena aku harus kehilangan nafkah yang jumlahnya cukup untuk memenuhi kebutuhanku dan keluarga. Dengan bermodalkan pesangon, aku harus pintar-pintar mengatur keuangan agar kebutuhanku terpenuhi tanpa harus berhutang.

Dan, apakah yang terjadi selama kurun waktu 7 bulan? Banyak! Banyak hal yang sudah terjadi hanya dalam waktu 7 bulan!

Edufair untuk Indonesia Lebih Baik

Kembali memiliki buah hati yang kedua artinya bersiap untuk mulai merencanakan si anak akan bersekolah di sekolah mana pada saatnya nanti  dan yang pasti erat kaitannya dengan uang atau yang sering disebut Dana Pendidikan.

Kebetulan sekali aku berkesempatan hadir di Sun Life Edufair, pameran pendidikan yang mempertemukan sekolah-sekolah, pakar pendidikan, orang tua dan anak-anak  yang diadakan oleh PT Sun Life Financial Indonesia di Main Atrium Senayan City, Jakarta 28-31 Januari 2016. 

Acara ini bertujuan untuk mengedukasi para orang tua akan pentingnya untuk mulai mempersiapkan pendidikan anak mereka di masa depan sejak dini dan memberikan saran tentang cara mempersiapkan dana pendidikan anak mereka melalui acara bincang-bincang bersama para pakar dan diskusi interaktif antara anak, orang tua, sekolah dengan Sun Life.

Financial Talk di @atamerica

Hari Sabtu yang lalu tepatnya 26 Maret 2011, saya menyempatkan diri datang ke Financial Talk yang digelar The Urban Mama , QM Financial dan Sahabat Foundation di @atamerica di Pacific Place lantai 3 .

Padahal saya adalah orang yang sangat malas keluar rumah saat akhir pekan tiba. Tentu saja kemalasan saya sangat beralasan, akhir pekan merupakan kesempatan saya untuk membusuk di tempat tidur bersama Darren dan mengerjakan tugas rumah tangga semenjak ditinggal oleh Asisten Rumah Tangga.

Tapi kali ini berbeda, acara Financial Talk ini sangat penting buat Rico yang adalah suami saya . Anggap saja ini merupakan kado dari saya kepada Rico yang berulang tahun sehari sebelum acara Financial Talk ini digelar.

Saya cukup mengerti akan pentingnya perencanaan keuangan dan investasi namun Rico masih buta sama sekali. Bahkan ada beberapa kali kami adu argumen mengenai tujuan keuangan keluarga kecil kami dan instrumen investasi yang masih belum dimengerti oleh Rico.

Jadi momennya sangat pas dan saya harus datang walaupun harus menitipkan Darren kepada mertua dan adik ipar saya. *Terima kasih ya Mama Josep dan iparku Anthon*

Memasuki @atamerica , saya terpukau karena semuanya canggih. Ini kali pertama saya ke @atamerica!

Saat masuk walaupun ribet karena diperiksa sama keamanannya, semua tas ditaruh di locker dan di dalam kita akan menemukan high technology sistem.

Sesi 1 sudah dimulai dan Fitri Noeriman dari QM Financial sedang menjelaskan tentang Dana Pendidikan.

Jreeeng!

Rico terkaget- kaget akan besarnya Dana Pendidikan yang dibutuhkan dari jenjang TK sampai Universitas.

Inflasi biaya pendidikan untuk jenjang TK s/d SMA sebesar 20% pertahun sedangkan untuk Universitas sebesar 15% pertahun.

Jelas bahwa menabung saja tidak cukup maka perlu investasi di instrumen yang return-nya mampu mengalahkan inflasi!

Belum lagi Dana Pensiun *tepok jidat*

Gak mau kan kalau kita sudah tidak bekerja lagi nanti malah membebankan anak- anak dengan kebutuhan kita setiap bulannya ?!

Pentingnya Perencanaan Keuangan adalah untuk mencapai Financial Independent dan Financial Freedom.

Berlanjut ke sesi 2, pembicara adalah Dondi Hananto dari Sahabat Foundation.

Sahabat Foundation berdiri terinspirasi oleh Grameen Bank

Fakta bahwa masih banyak orang miskin di Indonesia yang jumlahnya sekitar 14 juta jiwa (data BPS tahun 2009)

Apakah kita sebagai golongan menengah yang cukup makan, cukup pakai dan punya tempat tinggal bisa diam saja ?

Untuk bisa membantu masyarakat melalui microfinance, keuangan kita sebagai golongan menengah harus kuat dulu.

"When we're stronger we can be stronger for others" kata Ligwina Hananto.

Terima kasih TUM, QM Financial, Sahabat Foundation dan @atamerica ! Kalian membuka mata kami tentang perencanaan keuangan dan dampaknya terhadap masyarakat :)

Rich Dad's Prophecy part 2

Finally i had chances to finished this thick book...

here are the resumes... Enjoy it people...

Rich Dad said, “Everyone has the ability to build a financial ark to survive and flourish in the future but you must invest time in your financial education to build an ark with a solid foundation.”

As Warren Buffet says, “Investing must be rational, if you can’t understand it, don’t do it.”

Without a financial education, it takes a lot more money to get rich and a lot more money to stay rich.

The higher your financial IQ , the less money it takes to get rich. The lower your financial IQ the more money it takes.

Before you invest in something, invest the time to understand it.

That is where financial intelligence comes from. It comes from investing time in real world.

Financial Intelligence does not come from handing your money over to a fund manager and hoping and praying he or she does a good job.

You do not increase your financial intelligence investing in that way.

Investing in your financial education may not pay off early in the process but it does seem to pay off later.

If you want to become rich, start out investing a lot time before you begin investing a lot of money.

Your most important control of all is to take control over yourself and how you manage your money.

If you can do that, you can build a rich ark and captain it wisely.

Taking control of the ark or being in control doesn’t mean you have to do much.

All you have to do is be willing to be in control.

The opinion from Rich Dad about borrowing money from bank is :
First of all, bankers lend money to both fools and alchemist. Fools turn cash to trash and alchemist turn trash to cash. Bankers do not really care as long as you have the money to pay them back.

And secondly, if you are a fool, you will pay higher rates of interest. The bigger the fool, the higher the interest rate.

So the bankers love you. Your business make a lot of money and you are turning cash into trash.

Many people, low income wage earners to high income wage earners are in financial trouble because too much of their money goes to buy things that glitter.

We have all heard of poor or middle people spending money for newest and expensive gadget, cars , branded shoes, clothes etc.

There is nothing wrong with name brand glitter.

The problem is, too many people have assets columns overwhelmingly invested in glitter.

Many professional investors look only in darkness.

They are looking for the small start up company that will grow into and international giant.

They are not looking for a brand name CEO.

Many are looking for an entrepreneur, laboring away in a basement or garage, working on the next product that will solve the next big problem facing humanity.

Its not the glitter that counts, it’s the CASH FLOW.

The point is, million of people , rich and poor are in financial trouble because they are fools for the glitter.

If you love the glitter, you should not be captain of the ship.

If you are to become captain, you must control the fool in you that tends to be attracted to the glitter rather than the gold.

To be captain of your ship, take control of yourself which means taking control of your income statement and your balance sheet.

Always remember thet your balance sheet is the cargo hold of your ark regardless if you load it or not.

If you want to be rich, you must know the difference between an asset and a liability.

Warren Buffet, America’s richiest investor, believes that understanding accounting is a form of self- defense.

On this subject he said: “ When managers want to get across the facts of a business to you, it can be done within the rules of accounting.

Unfortunately, when they want to play games, at least in some industries, it can also be done within rules of accounting.

If can’t recognize the differences, you shouldn’t be in the equity picking business.”

He means if you are not financially literate, you shouldn’t be picking stocks.

Picking stocks without first knowing how to read company’s financial statements is gambling, not stock picking.

Warren Buffet often says, “If you cannot control your emotions you cannot control your money.”

Investing means freedom, wealth and security. The risk and the alternative are worth it.

Our emotions are powerful forces and emotional thoughts have the power to become self-fulfilling prophecies if not controlled.

If you are to become captain of your own ark, one of the most important controls is the control over your emotions.

There were 3 (three) levels of controlling thought. They are lower, middle and higher thought.

When someone is speaking from their lower levels of thought, they often say things such as “investing is risky” or “what if I lose”. When it comes to money, most people never get out of the lower levels of thought.

If you decide that you do not want these lower level emotions to run your thinking, you need both the middle level as well as the higher levels to pull you out.

This is one reason why financial education is so important.

Because once you learn about finances, you can rely upon your middle mind to break the grip of fear and doubt of your lower emotional mind.

#1 Control over your excuses
What really important is character not occupation.

Excuses are lies you tell yourself.

Growing up means not using the facts of our lives as excuses for our lives.

Be more honest with yourself, raise the standard on yourself.

Everytime you make an excuse, you’re acting like a baby.

Excuses hold us back, no one else.

Excuses are the words coming from the loser in you.

Solving financial problems or challenges increases your financial intelligence.

The importance of growing up is to be more honest by being more truthful with themselves.

#2 Control over your vision
a.Keep your word
Integrity simply means whole or complete. That means that your thoughts, words and your actions need to be the same. If you will do that, the future is yours.

b.Keep an open mind and your ears tuned for change.
Since changes are now invisible, you will have to see more with your mind than your eyes.

c.Learn to read financial statements
A financial statement allows the mind to see the true financial condition of the investment. Many times a banker decides to lend or not to lend you money in the first three minutes.

d.Use technology
e.Watch for bigness
f.Watch for changes in the laws
g.Watch out for inflation
h.Pay close attention to government handling of its social program

#3 Control over the rules
a.Saving money VS Borrowing

b.Owner of a business rather than an employee of a business

c.Keep your daytime job and start a part time business (Build it, Buy it, Franchise, Network Marketing)

d.Invest n small real estate properties

e.Plan on becoming rich rather than becoming a high income person with a lot of money

f.Understand how professional investors protect themselves from market crashed.

g.Don’t be worsify- diversify

h.Always remember that you are the entrepreneur, the visionary and the leader. Never let your advisors run your business.

i.Just because someone is smart and went to good school does not mean they know anything about the real world of business or investing.

#4 Control over your time
a.Getting rich faster
If you are working hard on somebody else’s ark, you may want to set aside some spare time to build your own ark.

b.I love my work
Loving what you do is very important. Many people love their work but their work will not provide for long term needs. It’s time we invested some time in our future.

c.Investing is becoming investors
Today, it is no longer enough to be professionally competent. We all need to be professionally and financially competent. A small investment in your financial education can gain you massive amount of financial time.

d.Health and wealth
Wealth is the number of days you could survive without working while still maintaining your standard of living.
More specifically, wealth is measured in time more than money.

Financial Freedom means having more free time.

“My time frame for holding a stock is forever,” Warren Buffet says.

•Invest in yourself
Invest some time finding the long and short term reasons why you want to learn something. You may want to sit down and write down your goals and the reason you want to achieve your goals. It is the reasons that get you energy to move forward.

Invest some time in learning the technical knowledge required to achieve your goals.

Invest some time learning via real- life trial and error

#5 Control over your destiny
a.Drawing out the rich person in you
Kiyosaki recommend people keep their daytime job and start a part time business or start investing in a small piece of income real estate, simply because it takes a few years to learn the basics.

b.Be a tough parents
Warren Buffet is just as tough on his children as he is on his employees. He doesn’t believe that if you love somebody the way to do him good is to give him something he’s not entitled to.

c.Money does not make you rich
Study, read a lot, started small and made many mistakes, find good advisors and mentors are the factor that makes you rich.

d.Not having money makes you richer
Because had no money became rich, had no education become genius, had no security to fall back on found freedom.

e.What do you want to be when you grow up ?
Regardless whether you grow up to be rich or poor, grow up to be people who can be trusted.

Mengapa harus investasi untuk Dana Pendidikan Anak ??

*untuk sementara foto diambil dr photosearch, nanti klo D udh sekolah pake foto D donk*

Bermula dari status saya di sebuah jaringan sosial, banyak pertanyaan yang muncul mengapa asuransi pendidikan tidak cocok untuk menyekolahkan anak sampai dengan Universitas.

Suami saya sendiri awalnya tidak yakin bahwa biaya pendidikan naik sebesar 20% tiap tahunnya. Biaya pendidikan terdiri dari Uang Pangkal (Registration Fee), Uang kegiatan selama 1(satu) tahun (Annual Development Fee), Uang Sekolah perbulan (Tuition Fee).

Awalnya kami mensurvei beberapa sekolah sekitar tempat tinggal kami sejak tahun lalu tapi baru beberapa hari lalu kami memantapkan hati untuk menyekolahkan Darren (2,5 yo) .

Dan benar, ternyata memang biaya pendidikan naik 20%. But we don’t afraid karena saya sendiri telah mengatur agar biaya tersebut dapat tersedia pada saat dibutuhkan dengan cara berinvestasi di reksadana.

Mengapa Reksadana ?

Karena reksadana salah satu investasi yang bisa memberikan return melebihi deposito, modalnya kecil bisa dimulai dengan Rp. 100.000,- per bulan.

Tentu saja semua ada resikonya, tapi tidak berinvestasi pun mengandung resiko.

Resiko-nya anak kita tidak bisa sekolah formal sampai jenjang yang tinggi.

Kasian ya, padahal si anak tidak minta untuk lahir dari rahim kita.

Seharusnya kita bertanggung jawab untuk kehidupan si anak sampai si anak mampu mandiri.

Nah klo sampai si anak tidak sekolah karena kurang biaya, alangkah tidak bertanggung jawabnya kita.

“Dahulu orang tua kita tidak perlu investasi untuk biaya sekolah tuh”

Ya benar, tidak ada yang salah dengan itu tapiiiii…. Dulu belum ada mal yang menyediakan gerai kopi- kopi centil, wine resto yang enak, sale up to 70%, gadget penunjang lifestyle, haus hiburan dan liburan.

Dulu orangtua kita mampu untuk berhemat demi kita, supaya kita bisa sekolah.

Sekarang, pola hidup konsumtif sadar tidak sadar membuat kita sulit untuk berhemat.

Nonton, jalan ke mal, main timezone jadi jadwal rutin di akhir pekan.

Dulu orangtua saya sering membawa saya ke Ancol itupun gratis karena saya berprestasi maka dari sekolah membebaskan saya masuk ke Ancol , bawa bekal dari rumah dan sama sekali tidak jajan es krim woody yg banyak dijajakan di Ancol. Dan masuk Ancol pun begitu murah, tidak seperti sekarang masuk Ancol dan Sea World melebihi Rp. 50.000,-/ orang.

Coba berapa banyak dari kita yang perlu sosialisasi ketemu teman baru ataupun lama sambil ngopi- ngopi ??? Ke salon untuk perawatan tubuh minimal sebulan sekali ? Nonton bioskop ?

Semua itu butuh uang bukan ?

Saya pun penikmat kopi dan buku.

Buat saya, kopi dan buku adalah kawan sejati saat “me time” tiba.

Makanya saya perlu mengatur keuangan saya dengan sebaik mungkin sehingga tujuan saya memberikan pendidikan anak yang terbaik tercapai tanpa mengurangi kesenangan saya.

Misal Uang Pangkal SMP tahun 2010 sebesar Rp. 15.000.000,- (ini sekolah negeri unggulan lho ya, bukan nasional plus ataupun internasional dan ini baru uang pangkaaaal!!!) maka nanti 10 tahun yg akan datang Uang Pangkal masuk SMP menjadi Rp. 90.000.000,- *catet belum uang sekolah perbulan yaaa…*

Masih yakin asuransi pendidikan bisa cover biaya kalo si anak mau masuk sekolah bertaraf internasional atau nasional plus ??? Coba deh liat polisnya, di umur sekian keluar sekian…

Around CNY 2010

Feb 22nd, 2010

Oh yeah, Happy Chinese New Year ... May we have a prosperous days ahead.

D fever (again) after 2(two) months he didn't get fever.

Sleepless night (another) and i'll just read bible, books and write my blog.

Now I'm gonna share what we have done on CNY 2010.

Darren and I went to my parent's house to have dinner on CNY Eve.

You might asking why my spouse doesn't come with us.

Well, I let him to have dinner with his mother a.k.a my mom in law. They need to talk since they didn't have time to share what were in their mind this lately. I'll do that also with D , a date with adorable boy will be fun *wink*

D got his first ang bao from ny cousin aand I told him that he will have 20% from his ang bao's total amount to spend on anything.

And the rest will go to his Education Fund Account.

On CNY's morning we went to Serpong to meet my grandma. After that, we spent a nite at salak.

Pfuuuih!! what an exhausted day!!!

Never imagine before that I'll never ever able to have my "me" time on weekend.

On weekend my time was D's

Since I have D, my world has change and I enjoyed my role as a mom.

On weekend, we (my hubby and I) go anywhere with D minus maid. Yes, I don't have nanny and we decided not to let our child to be stick with maid also. We need to build bonding between the three of us.

Our child is ours and we liked to be with him as much as we can because he grows too fast... LOL

On Monday, we went to my friends office and had lunch together.

It's very exciting yet precious moment when i able to took one day off just to meet them after years.

After that, D play @playhouse MOI. I liked this spot because it's quite and just few children are playing there.

Well, at the end of the day we only spent less than 200K for D to play there and he went home with truck on his hand *smile*

Money doesn't come easily

*image taken from istockphoto.com*

So many things happen during my latest post on my blog.

But the most memorable moment was when I educate D about money.

One night when I was picked up from the office, D whining and said that he want to go to Carrefour near our house.

And the conversation was like this :

D : Darren mau ke Carrefour
Me : Mau ngapain ke Carrefour, memangnya Darren punya duit ?
Me : Kita kan lagi gak mau belanja bulanan.
D : Mau punya duit…
Me : Kalau Darren mau punya duit, Darren harus bekerja.
Me : Kalau bekerja Darren harus sekolah dulu
D : Mau sekolah…
Me : Makanya kalau mama ajarin baca mesti nurut biar Darren bisa baca terus
nanti kalau sudah besar bisa bekerja.

Well, the next morning Darren said he wanna learn to read :D

Eventhough until now he still on and off learning his alphabet.

He just 2 (two) years old and I’m not gonna pushed him to be able to read before 3(three) years old.

I hope that simple conversation will give big impact for D that money doesn’t come easy.

You must earned it, and I still need to teached him about good money habit.

Unit Link VS Reksadana

Seandainya saya dapat memutar waktu kembali, saya ingin memulai investasi semuda mungkin.

Selama saya masih single dan belum memiliki tanggungan apa pun.

Satu- satunya investasi yang saya kenal saat itu hanya deposito kemudian berlanjut dengan Unit Link dan kemudian ORI.

Unit Link pun bukan untuk saya pribadi tapi untuk papa saya tercinta.

Dengan premi yang melebihi enam ratus ribu rupiah per bulan, agaknya Unit Link juga tidak memuaskan saya.

Pertumbuhannya tidak agresif karena harus terpotong sana sini untuk biaya asuransi dll.

Tapi ya sudahlah, sudah kepalang tanggung, Unit Link papa sudah berjalan 3 tahun.

Dan ingin rasanya saya menyusutkan nilai premi yang dibayar setiap bulannya ke angka yang lebih masuk akal.

Bayangkan saja sudah berjalan 3 tahun tapi unit yang terbeli baru dalam hitungan seratus sekian.

Untuk saat ini, setelah saya menikah dan langsung punya anak (gosh, my hubby boys are great swimmer :-P) Unit Link bukan lagi investasi yang menarik bagi saya.

Saya mulai melirik ORI dan returnnya cukup menarik.

Tapi tetap ORI kurang agresif buat saya, hingga saya akhirnya menemukan investasi dalam instrumen yg disebut Mutual Fund a.k.a reksadana.

Mutual Fund ini sudah ada di Indonesia puluhan tahun lalu hanya saja, entah mengapa Reksadana terdengar asing di telinga kita.

Awalnya adalah saat suatu hari tanpa sengaja saya mendengarkan Financial Clinic by Ligwina Hananto, mulailah saya mengunjungi website www.tujuanloapa.com/ www.qmfinancial.com dan mencari- cari Reksadana yang dapat dibeli retail melalui beberapa website seperti www.danareksaonline.com www.reksadana-manulife.com dll

Akhir Oktober 2008, saat krisis global tengah melanda justru saya membuka rekening Reksadana Campuran yang investasi perbulannya hanya dua ratus ribu dipotong biaya pembelian 1%.

Dan Unit yang saya miliki saat ini sekitar hampir 900 unit.

Return selama satu tahun untuk RD Campuran ini sebesar 38.49% .

Well, not bad at all :-D

Awal Juli 2009 saya memutuskan untuk memiliki RD Saham , dan saya kembali menemukan Manajer Investasi yg tidak mengenakan biaya pembelian dan investasi per bulannya pun hanya sebesar seratus ribu rupiah :-D (even my son can invest his money into it :-P)

Turunnya IHSG Oktober 2009 lalu membuat saya kembali memutuskan untuk memiliki RD Saham kembali dengan Manajer Investasi yang sama dengan RD Saham saya.

Investasi ini memang saya tujukan untuk kebutuhan sekolah D , saya berharap D bisa sekolah di sekolah Nasional Plus.

Sekolah Memang MAHAL, tapi apa kita tega untuk gak sekolahin anak kita ???

Dan salah satu jawaban selain kerja yg menghasilkan uang yg banyak adalah investasi kecil- kecilan dengan return yg cukup memuaskan adalah pilihan saya.

Total Investasi ini hanya menghabiskan lima ratus ribu per bulan.

Yang mana masih lebih kecil dibanding Unit Link papa saya tapi unit yg terbeli bisa lebih besar dibanding Unit Link.

Lalu, bagaimana dengan asuransinya ? Unit Link kan ada asuransinya, klo RD mana ada ???

Kebetulan waktu saya masuk RD Campuran, saya dapat asuransi tuh walaupun Uang Pertanggungannya tidak menakjubkan.

Lagipula saya juga sudah di cover asuransi oleh kantor.

Sedangkan untuk suami dan anak saya, kami mengambil asuransi term life dan kesehatan yang preminya kembali 50% apabila tidak terjadi klaim selama satu tahun. Jadi preminya tidak hangus.

Ada banyak asuransi term life diluar sana yang preminya sangat masuk akal mulai dari puluhan ribu per bulan tapi Uang Pertanggungannya sesuai dengan keinginan kita.

No Offense, kebanyakan agen asuransi menawarkan Unit Link padahal gak semua orang punya tujuan yg sama dalam keuangan mereka. Jadi seharusnya yg paling bijaksana adalah agen asuransi juga menawarkan opsi lain seperti asuransi murni term life.

*photo taken from istockphoto.com*

RONTOK (lagi)

hm, setelah pelantikan Obama
indeks bursa global malah rontok lagi
kenapa ya ???
setelah beberapa waktu lalu NAV reksadana saya nyentuh 2,500-an sekarang turun di level 2,400-an
di level segini juga sebenernya saya masih profit tapi PDA, jangan sampe turun dibawah 2,300

*berdoa sambil harap- harap cemas*