Want More Prosperous, More Rich? Read These Tips | SuaraPengusaha.Com
Employers pity Step BI Tightens Economic Policy budget sport SPC, Jakarta government policies to slow the growth ...
SPC, Jakarta Readers wise, of information, both print and electronic media, we know that the Financial Services Authority (FSA) is currently focused on completing a financial concept that will bridge unfamiliarity community budget sport for true knowledge of financial concepts.
Back we explain that this article is aimed at individuals and families, where individuals and families will be able to contribute directly to develop and maintain economic stability in our beloved Indonesia.
Well, you are ready and willing to be an active contributor to the economic growth of Indonesia beloved? If the answer is 'yes' then welcome to study the following below and the most important thing is do not just stop when you read it.
Simply put financial literacy or financial literacy can be done by changing the mindset of the previous (possibly) budget sport more consumptive or happy to buy goods and instantaneous financial transactions that are not really needed, is converted into a mindset that is investatif, means we are able to make efficiency over money we have to be able to meet the needs of not only current needs but also future needs. (Read: Get Richer? "Something Banget").
In other words, to achieve well-being in the future one must be able to distinguish the logical what is needed and what is wanted. The following explanations budget sport may help you to distinguish between budget sport needs and wants:
The need is something that is needed by humans in order to achieve well-being, so if there is among these needs are not met, then people will feel prosperous or less prosperous. It could be argued that the requirement is an absolute thing should exist.
Desire is something in addition to the expected demand can be met so that the man feel more satisfied. But if the desire is not fulfilled then the real welfare is not reduced. In other words, there should be absolutely no desire.
2. Your financial Diagnosis This is known as financial tune-up or a financial check-up, the purpose of diagnosis is to know where to run his money / salary / income you and to know how best solutions so that your financial goals can be achieved in the future . The output of this diagnosis is in the form of financial ratios, among others: budget sport a.Rasio your debt vs. assets b. The liquidity ratio, cash or cash equivalent means that you have vs. your expenses (it also can be used for emergencies); c. The ratio of debt versus income ciciilan d. The ratio of investment capabilities, budget sport etc..
3. Your financial asset allocation properly budget sport research results show that the correct asset allocation accounts for over 90 percent of the success of your investment growth. Well for that we must truly understand the financial budget sport utilities over financial products that exist in Indonesia, the following explanation: a. Savings routine: used for daily routine, the allocation of sufficient funds for the 1 s / d 3 months;
b. Savings shelter: a container used for holding the results budget sport of the development of the investment if the investment turns out that happens to be above the target, as well as additional resources if it turns out to be below the targeted growth investments that you want;
c. Deposits denominated in dollars, is your container to store emergency funds in the amount of emergency funds varies between: 3 s / d 6 months of expenses (for an employee without dependents); 6 s / d 12 months of expenses (for a maximum of 3 employees with dependents children); 12 s / d 24-month expenditure for an entrepreneur.
d. Deposits budget sport denominated in foreign currency, which is the container you have regular budget sport expenses denominated in foreign currencies, eg payment of school budget sport fees that are outside the country, the size between 6 s / d 12-month school fees and accommodation outside the country. So what if I use deposits to investment placement?, Whether wrong or not? Our answer is wrong, but if the macroeconomic conditions remained stable. In this condition the deposit is not worthy to serve as an investment instrument. budget sport However, if the conditions of crisis and lead to critical conditions (such as 1998), the deposit can serve as an investment instrument (based on the data of this condition is extremely rare in Indonesia).
e. Mutual funds are a good investment instrument for beginners and also for your family, as long as one does not use mutual funds, here are the rules of investing in mutual funds: budget sport For term investment
Employers pity Step BI Tightens Economic Policy budget sport SPC, Jakarta government policies to slow the growth ...
SPC, Jakarta Readers wise, of information, both print and electronic media, we know that the Financial Services Authority (FSA) is currently focused on completing a financial concept that will bridge unfamiliarity community budget sport for true knowledge of financial concepts.
Back we explain that this article is aimed at individuals and families, where individuals and families will be able to contribute directly to develop and maintain economic stability in our beloved Indonesia.
Well, you are ready and willing to be an active contributor to the economic growth of Indonesia beloved? If the answer is 'yes' then welcome to study the following below and the most important thing is do not just stop when you read it.
Simply put financial literacy or financial literacy can be done by changing the mindset of the previous (possibly) budget sport more consumptive or happy to buy goods and instantaneous financial transactions that are not really needed, is converted into a mindset that is investatif, means we are able to make efficiency over money we have to be able to meet the needs of not only current needs but also future needs. (Read: Get Richer? "Something Banget").
In other words, to achieve well-being in the future one must be able to distinguish the logical what is needed and what is wanted. The following explanations budget sport may help you to distinguish between budget sport needs and wants:
The need is something that is needed by humans in order to achieve well-being, so if there is among these needs are not met, then people will feel prosperous or less prosperous. It could be argued that the requirement is an absolute thing should exist.
Desire is something in addition to the expected demand can be met so that the man feel more satisfied. But if the desire is not fulfilled then the real welfare is not reduced. In other words, there should be absolutely no desire.
2. Your financial Diagnosis This is known as financial tune-up or a financial check-up, the purpose of diagnosis is to know where to run his money / salary / income you and to know how best solutions so that your financial goals can be achieved in the future . The output of this diagnosis is in the form of financial ratios, among others: budget sport a.Rasio your debt vs. assets b. The liquidity ratio, cash or cash equivalent means that you have vs. your expenses (it also can be used for emergencies); c. The ratio of debt versus income ciciilan d. The ratio of investment capabilities, budget sport etc..
3. Your financial asset allocation properly budget sport research results show that the correct asset allocation accounts for over 90 percent of the success of your investment growth. Well for that we must truly understand the financial budget sport utilities over financial products that exist in Indonesia, the following explanation: a. Savings routine: used for daily routine, the allocation of sufficient funds for the 1 s / d 3 months;
b. Savings shelter: a container used for holding the results budget sport of the development of the investment if the investment turns out that happens to be above the target, as well as additional resources if it turns out to be below the targeted growth investments that you want;
c. Deposits denominated in dollars, is your container to store emergency funds in the amount of emergency funds varies between: 3 s / d 6 months of expenses (for an employee without dependents); 6 s / d 12 months of expenses (for a maximum of 3 employees with dependents children); 12 s / d 24-month expenditure for an entrepreneur.
d. Deposits budget sport denominated in foreign currency, which is the container you have regular budget sport expenses denominated in foreign currencies, eg payment of school budget sport fees that are outside the country, the size between 6 s / d 12-month school fees and accommodation outside the country. So what if I use deposits to investment placement?, Whether wrong or not? Our answer is wrong, but if the macroeconomic conditions remained stable. In this condition the deposit is not worthy to serve as an investment instrument. budget sport However, if the conditions of crisis and lead to critical conditions (such as 1998), the deposit can serve as an investment instrument (based on the data of this condition is extremely rare in Indonesia).
e. Mutual funds are a good investment instrument for beginners and also for your family, as long as one does not use mutual funds, here are the rules of investing in mutual funds: budget sport For term investment
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