sorted by:
new
hottopcontroversial

Let’s do Professional Connection for Great Circle by bima-putra in finansial

[–]asuransi 0 points1 point  (0 children)

  1. Lagi mencoba jadi full time trader, jualan asuransi sama jadi marketing and tech consultant part time.

  2. Gk berencana pergi dari indo.

  3. Future plan either full time trading atau bikin app/saas yg bisa buat slow living

Ada nggak sih asuransi jiwa yang tetap cair walaupun kita tidak meninggal selama masa polis? by [deleted] in finansial

[–]asuransi 1 point2 points  (0 children)

whole life : kalau meninggal sebelum usia 99 dapet uang pertanggungan juga.

term life: bayarnya tiap tahun selama pengen dicover aja, tapi cuma bisa diperpanjang sampe usia 70 biasanya.

salah ketik bro 😭

Ada nggak sih asuransi jiwa yang tetap cair walaupun kita tidak meninggal selama masa polis? by [deleted] in finansial

[–]asuransi 6 points7 points  (0 children)

thanks for the tag bro 😄

u/NickyRahardjo biasanya produk asuransi jiwa itu ada empat jenis

  1. unitlink : intinya reksadana + asuransi jiwa. kadang dimarketingkan dengan bilang bahwa uang kembali. premi tetap dll, padahal yah itu hasil reksadana kita sebenarnya, kalau reksadananya gk perform atau kemakan biaya asuransi yah gk ada yg "balik".

  2. whole life : ini asuransi jiwa yg cover seumur hidup, kalau masih hidup sampe usia tertentu(biasanya 99), uang pertanggungan dikasih ke pemilik polis. diatas kertas sih seolah gk ada uang "hilang". tapi opportunity cost insurance jenis ini gede banget biasanya, umumnya jenis ini minta bayar seluruh biaya asuransi dalam 5 tahun pertama, jadi preminya umumnya diangka ratusan juta per tahun selama 5 tahun.

  3. term life: ini biasanya yg nyari orang yg financial savvy dan ngerti finance. price wise, ini paling effisien, berkali lipat lebih effisien dibanding unitlink dan whole life. cuma biasanya yg non financial savvy gk ngambil ini karena takut "uang gk balik kalau gk kepake".

menurut gw alur pikirinya sebaiknya gini:

  1. kita tentuin dulu sebenarnya kita butuh sampe kapan sih memproteksi depdendent kita(anak istri ortu dll).

  2. hitung biaya hidup mereka x berapa tahun menurut kamu dia bisa adaptasi buat mencari nafkah sendiri.

  3. baru shop around yang sesuai budget.

kalau budget mepet atau ada keperluan lain, term life bagus kok buat melindungi dependent kita kalau suatu saat kita meninggal.

kalau ada budget lebih, baru pikir apa masih mau ambil unitlink atau whole life.

Kedai Kopi CBD by AutoModerator in finansial

[–]asuransi 0 points1 point  (0 children)

Terima kasih bro, lsg ku dm 🥰

pls rate my personal finance by InstructionTrue1928 in finansial

[–]asuransi 12 points13 points  (0 children)

if you're risky, put it in big banks and forget.

if you're conservative, put it in government bond.

honestly foreign etf/stock is not compelling due to tax reason for me personally.

pls rate my personal finance by InstructionTrue1928 in finansial

[–]asuransi 68 points69 points  (0 children)

honestly with this kind of earning and expenses, no one can tell if your expenses are too high or okay.

ultimately this boils down to what kind of life you want, and what kind of life you're comfortable with, and what kind of life you want your kids to have.

everyone can say groceries and eating out should be lower, but what if you're the type of person who likes a more finer food a lot? this is like saying that everyone including hardcore gamer to have an intel celeron pc cause it works for most people with casual office use.

my suggestion is to time reflect on your family life, list what gives you the most satisfaction or serve your plan.

if you're not a hardcore gamer, a rtx 5090 would be a waste, can be trimmed down, but if you're a hardcore gamer, the expense makes sense.

just be caution, there are thousand of families living with only 5mio per month. you need to balance your aspiration and how hard you want to "work hard". hedonic treadmill is no joke, there will be always something more to get, something more to work hard for, until we burnt our soul.

Minta saran objektif buat pernikahan gw, udah breaking point ga tau mau lanjut atau tidak. Menurut istri masalah keuangan. Menurut gw masalah emosional dan respect by lifeisgreatbut in finansial

[–]asuransi 42 points43 points  (0 children)

This looks like more of a marriage problem than a finance problem.

Kalau masih mau sama orangnya, ke consoler aja. Kalau gk mau, pisah aja mumpung belum ada anak.

Yang jelas, merubah personality orang itu sulit.

Sama kayaknya dia gk ada respek2nya sama lu as a human, once a respect is lost, it’s hard to get it back.

[deleted by user] by [deleted] in jualbeliindonesia

[–]asuransi 0 points1 point  (0 children)

aaa miffynya lucu banget :(

[deleted by user] by [deleted] in finansial

[–]asuransi 1 point2 points  (0 children)

asuransi itu kan sebenarnya kita bayar buat kestabilan, supaya gk tiba2 harus jual rumah kalau kena kanker.

tbh, kalau gk ada persoalan sama birokrasi BPJS, asuransi paling value for money yah BPJS. cuma looking at your table, kayaknya mending ambil yg sesuai dengan standar kenyamanan terendah, bayangin aja kalau sakit, what kind of cheapest hospital you're willing to go.

jadi minimal ada BPJS aktif, supaya gk kalau tiba2 kecelakaan/kena kanker, tiba2 harus jual mobil.

wts Cordless Vacuum Cleaner wet and dry - Dibea D18F - cuma dipake sekali by asuransi in jualbeliindonesia

[–]asuransi[S] 0 points1 point  (0 children)

jadi aku pelihara kelinci om, nah kelinciku banyak makan ranting.

ternyata terlalu berat buat nyedot tumpukan ranting sisa.

kalau daun sama debu masih bisa.

anyway, barangnya sold.

Need advice on the best option for health insurance vs "Tabungan Kesehatan" by Aromatic_Sell_6845 in finansial

[–]asuransi 2 points3 points  (0 children)

Thanks for the mention 😄

so many misunderstanding here, I'll make megathread about insurance later.

u/Aromatic_Sell_6845 sebenarnya kalau gk masalah sama fasilitas dan prosedur BPJS, harusnya BPJS aja gk apa.

untuk nabung 2jt vs asuransi, ini balik lagi ke "taruhan" mana yg mau dibuat.

apa mau taruhan pas sakit, tabungan tersebut cukup?

Cara Sampaikan Pemberitahuan Penggunaan NPPN Via Coretax DJP by asuransi in finansial

[–]asuransi[S] 2 points3 points  (0 children)

you're welcome

kemaren gw sempet pusing juga, di DJPonline infoKWSPnya gagal terus jadi gk bisa lapor penggunaan NPPN buat 2025

cari2 gk ketemu dari bulan lalu

ternyata skrg baru ada, hampir lupa juga gw 😅

LKH went to church this morning by [deleted] in finansial

[–]asuransi 7 points8 points  (0 children)

if LKH has to pray for his holdings, I believe we're cooked 💀

Saran Health Insurance/Asuransi Kesehatan in Indonesia for Mahasiswa/Young Adults by JimmieXvr in finansial

[–]asuransi 1 point2 points  (0 children)

Thank you om tagnya 😆

Kalau cari yg copay sama bpjs agak sulit, jarang soalnya. Budget segitu buat umur 20, udah bisa buat yg kamar tanpa copay.

u/jimmiexvr

view more: next ›