Author Archives: manggis

5 REASONS: WHY WE NEED FINANCIAL PLANNING?

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financial planning tips1. To protect ourselves and our families from financial risk

In the life cycle of course there were times the rising and falling levels of life, and can not be denied, wherever our life situations, certainly relate to money. Ups and downs of the financial situation can still be solved with the help of a professional.

2. For the cost of raising children

Every parent will want to provide the best for their children. Therefore, a sizable portion of household budgets in the cost of raising children that can last about 20-25 years before our children can pay for itself.

3. For the purchase of assets, from cars to home

The home is a major asset that should be owned by someone, other than for use as a residence, the house also becomes an asset whose value is increased from time to time. The second asset is a must-have vehicles. A comfortable life of the vehicle is 5 years. So, like, every 5 years we need to replace our vehicles.

4. To be able to enjoy retirement with a comfortable standard of living

Retirement is a time for us to enjoy a break from work. Obviously we want to enjoy a comfortable standard of living. But from where we can get enough money to pay pensions as we want?

5. To finance the purchase of insurance policies

All the assets we already collect is to satisfy all the needs of family life, but imagine if one day an accident, illness or death, so that we can no longer pay for our family. To protect the economic value of someone who is a source of family income is by insurance.

THE CAPITAL MARKET INDUSTRIAL EDUCATION AS PART OF FORMAL EDUCATION CURRICULUM IN INDONESIA

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A number of capital market participants to assess specific curriculum needs to enter the capital market in the formal education in Indonesia. This is intended to encourage higher domestic investors to enter the capital market. Just imagine 250 million people of Indonesia, the people involved directly to investors just hover around 300 thousand. Of course this is a very small number.

For this reason there is need for a way to enhance the growth of the financial investment industry / public capital markets in Indonesia. The prospects for stocks and derivatives industry in Indonesia, if people are properly educated, then the concerns that had been inherent in the society of the capital markets industry could be lost. Image of the stock and derivative products industry in Indonesia is relatively less received a positive response from the community. This formal special education simply is not only useful for strengthening the investor base, but also will improve the quality of Human Resources (HR) in the industry.

HR needs in this industry will be very high, while the world of education in Indonesia has not entered a specific curriculum and applicable on shares and derivatives, but education is not only an impact on an increasing number of investors but also of human resources in the industry at large.

THE RICH ACCOUNT DEPOSIT FUNDS DOMINATION IN INDONESIA BANK

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Agencies Deposit Insurance Corporation (DIC/LPS) to record up to December 2011 general bank account with a value of more than IDR 2 billion fund controlled 50.75 percent of deposits in banks in Indonesia.

Chairman of LPS/DIC Firdaus Djaelani said the accounts that have a value of more than IDR 2 billion is there as much as 136,890 accounts with total deposits reaching IDR 1.436, 45 trillion.

“Indeed, the number of accounts that only 0.13 percent of total accounts it holds half the savings banks. This is because the value of savings exceeds $ 2 billion,” said Firdaus in a meeting with members of the House Commission XI, Senayan, Jakarta, Wednesday (25 / 1) .

He further said, the public’s deposits at commercial banks with a value below IDR 2 billion recorded as many as 101 366 680 accounts with a value of deposits reached IDR 1393.87 billion. Then the total deposits in the banking community reached IDR 2830.32 billion as of December 2011, with the total number of accounts as many as 101 503 570 accounts.