Archive for June 2021

5 Reasons Why We Need To Prepare Retirement Fund Early. Financial freedom is when we no longer need to work from dawn to dusk, but abundant income still comes smoothly. We don't work for money, but money works for us. Isn't this really amazing? Especially Bismillahirrahmaanirrahiim when we have entered an unproductive age, ideally our focus is no longer busy making money but how to enjoy togetherness with our children and grandchildren and other religious activities.

Once upon a time a friend said to me, " Your job is good Rie, working as a civil servant gets a fixed salary and you can still retire later. But I have no pension, after work my salary stops and there is no pension ."

I have heard statements like this several times, from different people. These questions that come out of the heart are now even more heart-wrenching during the pandemic. An unexpected situation, suddenly a massive pandemic occurred.

My friend's question made me feel how important it is for us to prepare for retirement because in 10 or 20 years, we never know what other unforeseen circumstances might happen. It is unavoidable, but at least we have preparations, especially financially, to minimize the impact.

Why Do We Need to Prepare for a Retirement Fund? What is the Purpose of a Pension Fund?

Yes.. most of us must have that question and many more.

The simplest reason why we have to prepare a pension fund since we start working, so that when we enter old age we are no longer burdened with daily expenses, so that we can achieve what is called financial independence. Everyone hopes to achieve financial independence after retirement, and more importantly, to break the chain of the sandwich generation.

The sandwich generation is those who have to support their parents or other family members. For those who are married, in addition to having to meet the needs of their own families, this generation also has to bear the finances of their parents or other relatives.

When we're in retirement age period and the ability to carry the burdens of life has decreased, we hope that we will not be a burden to others even though they are our own family like our children. In addition to these basic reasons, there are many reasons why we need to prepare for retirement early and some of them are as below:

The cost of living will increase by the time. Daily needs continue to grow and require more expensive funding from year to year.
The ups and downs of economic conditions are in sync with social polemics, political issues to the current pandemic. No one can predict when a crisis will occur, for example when there is a COVID-19 pandemic which has a wide impact, not only on the health aspect but also on the overall social and economic aspects affected by the pandemic.
Uncertainty about our jobs in the future because there is no guarantee whether we can be free from the threat of layoffs or the like that causes us to be unemployed (temporarily or for long time)
Unpredictable physical or health conditions. Yes, everyone wants to be healthy and fit until old and dead. But also the fact that when a person enters old age, health problems (degenerative) such as dementia, diabetes, impaired kidney function, lung function, hypertension, and other non-communicable diseases will become chronic and multi-pathological if not treated immediately. As figure out from just one aspect of disease, the estimated financing is not cheap and requires a relatively long time to recover.
In order to enjoy a more enjoyable and happier retirement if we can do good (help) others with the financial reserves we have.

In short, let me say “ productivity will surely decline by the age, but the cost of living will continue to increase. We will definitely retire, but living expenses will never retire. “

And important question that must be answered immediately is how to prepare a pension fund before retirement?

What is Retirement Savings?

As we know, our productive and effective time can work actively with the carrying capacity of our energy and mind which is prime, generally between the ages of 20 to 60 years. After that, you could say we are at a less productive age, that's what we call retirement age.

Retirement Savings is a number of funds collected in a certain amount (can be in the form of savings in a bank, investment or other current assets) which we prepare to meet all our needs when we are at an unproductive age (retirement).

In this unproductive age phase, it is very important to have an adequate pension fund. That's why, while still productive, it is highly recommended to allocate a portion of your income, regularly saving or investing. Considering that most people still do not have this passive income source. There are still many who are not aware of preparing funds or savings for retirement.

For those who work in government agencies or agencies that already manage employee salaries with pension facility coverage, they will automatically receive a salary called a pension when they are no longer working. However, for those whose workplace does not accommodate pension funds as suggested by some of my friends, and based on personal finance tips we ourselves must be active and take the initiative to manage income in order to have a pension fund.

HOW to prepare a retirement fund from EARLY ?

In fact, many people are aware of the importance of retirement savings but it is difficult to make it a real. They feel it will be difficult if some of their income is set aside for retirement savings.

One thing we must remember, from every rupiah or dollar or euro or whatever we earn, we have the power to choose our oldness ( future ) we are rich, poor or middle class.

Everyone's retirement needs are different. Therefore, it is important to calculate and estimate retirement needs later. To calculate a safe retirement savings estimate, start by calculating your regular monthly expenses and then set a timeframe.

Retirement funds do not have to be in the form of money deposits that we usually keep in the bank, where the account is devoted to being used in retirement. There are several alternatives to preparing this retirement fund. But in my personal opinion, the one that is more flexible and can be implemented more quickly is to make retirement savings.

In order to prepare for retirement so that you can continue to enjoy oldness with full enjoy any activities and NOT retire from the pleasures of life. Then commitment to saving for old age is one of the wisest ways to prepare for a better retirement.

Financial freedom is the top ladder of a person's financial condition, when someone already has investments or active assets that are able to generate adequate "regular salaries" to finance their daily lives (without having to continue working again), and do as much charity as possible.

Well, to start saving for retirement we need proper financial management. How to maintain a balance between the amount of routine expenses each day and how much you can save for retirement, we need a calculator to help calculate "how much is safe to save as a retirement fund?" of the income we receive each month.

One of the recommended Free Financial Calculators to calculate how much income is safe to set aside as a retirement savings fund is CALCULATOR dot ME.

FYI, in this calculator application there are several menus that can be used FOR FREE, namely the menu are: Loans Amortazation, Mortgages Calculators, Auto Calculators, Credit Cards, Savings Calculators and Financial Planning.

Free Financial Calculators

With a retirement fund calculator, we can find out the amount that must be saved every month to reach the expected retirement fund. Use the retirement fund simulation below to get the numbers you need. For a simple practice, we can start by calculating an estimate of how much the average pension fund we need.

The average retirement age in Indonesia is 58 years with the life expectancy of Indonesians reaching 70-75 years. That is, we need to meet the needs of life during retirement which is about 20 years. In simple terms, if the routine expenditure per month is IDR 3 million, it means that in a year we need IDR 36 million, and within 20 years we need IDR 720 million to finance our own lives.

Once again, the illustration above is only an example. Yes… the variables can be adjusted according to each situation.

Overview of the Retirement Plan Calculator, which is a financial calculation application that functions to find out how much money you need to meet living expenses when you retire, and how much you have to set aside in savings each month. However, when calculating needs, don't forget to include the increase in inflation because the value of money today will be different from that in the future.

The simply use this calculator is by clicking on one of the menus that we need, it will display special help and instructions in the right column. For example, I choose to use the Financial Planning menu and the next step can be continued by entering variables according to the variables listed in the calculator application.

This Free Financial Calculator is suitable for use by anyone who needs a financial calculation tool because it has a variety of financial calculator menus that can be used for free either through desktops, laptops, tablets or cellphones.

At least but not the last, I believe Retirement Planning is Not Impossible.

Let's Plan our future life properly by start investing today, the sooner is better. With proper planning and starting quickly now, it is hoped that our savings will be able to fully finance our lives in the future. The when the time comes for retirement, hopefully we can enjoy financial independence, not only for ourselves, hopefully it can also be useful for many people around us.

So, are you ready to start preparing for retirement savings now, right ? Or maybe someone wants to share their experiences on how to prepare a retirement fund apart from saving in the bank? Feel free to write it in comment please...?

Movie Review: Journey to the Center of the Earth, no doubt if watching a movie is one of the leisure time while at home with beloved family.

And for prolog, I choose this movie because I love this kind of movie (adventure combine with science) and I like the acting of the main actor: Brendan Fraser. And the other reason, this review is a home work when I’m on short course at Bandung, at 2017. Yes, many years ago...not too long but little bit a past time, hehehe

Ceritanya, review rasa resensi atau ringkasan ini saya buat karena dikasih tugas oleh Widya Iswara (WI) untuk mata diklat Bahasa Inggris. Beliau memberikan tugas kepada kami untuk praktek membuat review film dalam bentuk Bahasa Inggris. Tak ada alasan untuk menghindar, ya seperti inilah hasilnya ala-ala amburadul dan mungkin gak nyambung antar kalimat/paragrafnya. Mohon dimaklumi ya, daripada tersimpan nganggur di file laptop boleh kan ya kalau saya posting, lumayan untuk nambahin postingan ~~organik~~ yang masih belum ~~ada peningkatan secara linear~~ bisa ajeg/rutin. Here is the tulisan riview rasa gado-gado ala kadarnya. Plissss....jangan diketawain ya gaiiisss....I'm still learn and learn.

In this movie, The Main Actors are Brendan Fraser as Professor Trevor, Josh Hutcherson as Sean (The Nephew of Professor Trevor) and Anita Briem as Hannah

This movie tells the story of Trevor, whose scientist brother, Max that disappeared during a volcano expedition 10 years earlier. Trevor’s work at the university has been based on his brother’s theories on seismic activity and volcanic unrest but the funding is about to be pulled out from under him.

Trevor Frustrated and returns to his disheveled home only to find out that his nephew (Sean), Max’s son, has arrived for a two-week visit. While going through a box of Max’s belongings, the two discover a well-worn copy of Jules Verne’s Journey to the Center of the Earth. The book contains Max’s scientific notes in the margins. Trevor realizes that his brother was a “Vernian,” someone who seeks to prove that the book by Jules Verne is based on a true story. Trevor and Sean set out to discover what Max discovered and to vindicate his life long research.

Credit

Sean and Trevor head to Iceland in search of a fellow Vernian, an older scientist whose name Max had written in the book. When Sean and Trevor locate the man’s address, they find his daughter, Hannah, who works as a guide through the dangerous Icelandic volcanic terrain. Then Trevor hires Hannah to lead them to the volcanic area that where Max left a seismic sensor.

A storm breaks out and they trapped in a cave. While looking for a way out, they accidentally delve deeper into the earth and encounter fanciful creatures that they must battle to make it to the center. Once Trevor, Sean and Hannah arrive at the center, they get a surprise. Then, they tried to find clues how to get back to the top of the earth.

Along the way, they find evidence that someone had been there a hundred years ago. Trevor remarks that some instruments found are Lidenbrock's (the name of a character in Jules Verne's book Journey to the Center of the Earth). This suggests that another group had previously made the journey, somehow returned to the surface of the earth and recounted the tale of their adventure to Verne. They find some of Max's things as well. Hannah discovers Max's body while Trevor and Sean are examining what they have found. They bury Max on the beach of the underground ocean. Trevor reads a letter that found in Max's journal, to Sean. Trevor discovers that his brother died due to dehydration because of hot magma surrounding the center of the Earth.

Using the information from Max's journal, Trevor determines that they must find a geyser that can send them to the surface of the earth before the temperature rises to 200 °F. Further, they must reach the geyser within 48 hours or the water for the geyser will have evaporated. They build a raft together and begin crossing the underground ocean, but soon encounter a pack of Xiphactinus. They use make shift clubs to bat them away, then a shoal of Elasmosaurus attacks the Xiphactinus, allowing they escape from there. The raft's sail becomes loose. Sean tries to hold on but is blown away and he separated from his uncle and Hannah.

A little bird guides Sean towards to the river. At meanwhile, Trevor and Hannah decide to take a rest but they are attacked by carnivorous plants. Hannah is captured and being strangled by the plants. Trevor defeats the plant that is holding Hannah by the neck, and they continue towards to the geyser.

When Trevor and Hannah arrive at the river, Trevor calls out to Sean but no response. Trevor says he is going to look for Sean and tells Hannah that she should continue on to the geyser and save herself. At meanwhile, Sean has entered an arid, bone-filled land. He hears roars, looks up and sees a Giganotosaurus coming after him. Fortunately, Trevor saves him. When Trevor and Sean get to a river, they find Hannah sailing a boat fashioned from a Tyrannosaurus skull. Finally, Trevor, Sean and Hannah sail to a volcano with magma rising in its crater but they are too late because the water needed for the geyser has evaporated.

Sean notices that the crater walls are wet. Trevor hears water flowing on the other side of the walls and sees that the crater walls contain magnesium. After Trevor uses a flare to ignite the magnesium, a geyser shoots them up and out of the Center of the Earth. They emerge from the volcano. When they fall, they accidentally destroy some of the vines in a vineyard. To make amends with the vineyard's farmer, Sean gives the farmer a diamond that he found while in the center of the Earth. Trevor sees that Sean has many diamonds in his backpack.

Trevor later uses diamonds to fund his brother's laboratory. During the adventure, Hannah and Trevor gradually become closer. After the adventure, Sean visits Trevor and Hannah in their new home purchased using some of the diamonds Sean took from the cave.

Journey to the Center of the Earth is a fantastic family adventure movie with many visual surprises. The characters find at the center of the earth are beautiful, awe-inspiring and augmented with the 3-D effect which makes it appear more lifelike.

Overall, It’s very fun to watching this movie with kids but necessary to be attention that some scary scenes and strange creatures require caution extra for children. Apart from this Brendan Fraser's movie, I also enjoyed watching Ink heart, Blast From the past, The Mummy and The Mummy Returns as well.

And what about you, are there any of your favorite movies that are the same as mine?

Kenali Gejala Batuk TBC Sejak Dini. Pernah mengalami batuk yang berkepanjangan ? Penyakit batuk merupakan salah satu jenis penyakit yang menjadi hits, manakala terjadi pergantian musim pergantian musim. Tapi juga perlu wasapada, batuk yang berkepanjangan bisa juga menjadi indikasi TBC atau Tuberkulosis lho ?

Pandemi Covid-19 penting untuk diwaspadai, tapi bukan berarti kita jadi abai terhadap penyakit lainnya, contohnya TBC ini.

Dan Bismillahirrahmaanirrahiim menjadi presumtif yang jamak terhadap jenis penyakit batuk yang terjadi dianggap penyakit biasa seperti halnya pilek dan demam yang banyak terjadi di saat peralihan musim kemarau ke musim hujan sehingga langkah pengobatan yang diambil juga tergolong ‘santai’, semisal dibelikan obat batuk di apotek, dikasih perasan jeruk nipis +kecap atau treatment makan kencur saja. Langkah awal pengobatan batuk ini memang sudah menjadi resep turun temurun yang terbukti bisa menyembuhkan batuk, tepatnya jika batuknya BUKAN jenis penyakit yang mengarah ke TBC.

Kok ( tetiba ) Nulis Soal Batuk TBC siiih? Ada Apa...?

Honestly, sebenarnya tulisan ini adalah sesi curhatan saya ketika salah satu anak kami mengalami batuk yang terbilang relatif lama, tepatnya saat dia masih tinggal di asrama. Batuknya lumayan bandel juga karena langkah-langkah treatment pengobatan tradisional yang saya terapkan pada Ifa ketika (dulu) mengalami sakit batuk. Terapi pengobatan batuk dengan bahan alami yang saya lakukan salah satunya adalah konsumsi kencur dan jeruk nipis.

Terapi kencur dan jeruk nipis hanya sedikit mengurangi gejala batuknya, artinya harus dibawa ke dokter dan diberi resep untuk mengobati penyakit batuknya. Dua hari istirahat di rumah dan kondisinya mulai membaik, Ifa bersikeras minta balik ke asrama karena jika terlalu lama ijin maka target hafalannya akan semakin banyak yang tidak terselesaikan sesuai jadwal yang seharusnya.

Beberapa waktu berlalu, kabar yang diberikan Ifa meyakinkan bahwa dia baik-baik saja. “ Batuknya tinggal sedikit-sedikit kok”, demikian penjelasannya setiap kali ditanyai tentang batuknya. Mengetahui batuk Ifa yang belum benar-benar sembuh, terbersit kekuatiran kalau-kalau penyakit batuknya Ifa betambah serius atau sebenarnya dia terinfeksi penyakit TBC?

Kekuatiran saya ini berdasarkan hasil kunjungan langsung yang pernah saya lakukan ke asrama Ifa saat awal-awal saya menjadi seorang Ibu dan kebetulan Ifa pas libur rutin yaitu sebulan sekali mendapat kesempatan untuk pulang. Kenapa saya sampai paranoid dan muncul estimasinya sampai ke TBC ya karena alasan berikut ini:

Ifa tinggal di asrama sekolah yang setiap kamarnya dihuni sekitar 10 anak.
Untuk mengatasi ruangan kamar yang gerah, sirkulasi udara digerakkan oleh sebuah kipas angin ukuran sedang.

Dua hal tersebut sangat mungkin bisa menjadi penyebab batuk yang di alami Ifa adalah Tuberkulosis mengingat jenis penyakit ini merupakan penyakit menular yang disebabkan oleh bakteri Mycobacterium tuberculosis yang penyebarannya melalui udara (dari melalui percikan dahak penderita TB yang sudah mengering).

Bukankah seseorang yang sedang sakit TB ketika batuk, bersin, berbicara atau meludah, mereka juga memercikkan banyak kuman ke udara? Kalau salah satu teman Ifa ada yang terjangkit TBC, maka siapapun yang ada di sekitarnya bisa terpapar TB meski hanya menghirup udara yang mengandung sejumlah kecil kuman TB.

Ifa bersikukuh so far she’s just fine setiap kali ditanyai tentang kondisi kesehatannya dan suami juga yakin anak sulungnya sehat wal afiat, maka saya pun mensetting pikiran: Bisa jadi memang saya yang terlalu over reacting karena situasi yang langsung menjadi sosok seorang Ibu.

Hingga hampir sebulan kemudian, saat saya masih di kantor, suami memberitahukan akan menjemput Ifa ke asrama karena baru saja mendapat kabar jika selain batuk yang belum sembuh [tepatnya belum membaik meskipun obat dari dokter sudah habis], Ifa juga mengalami demam dan semalaman tidak bisa tidur.

Kenali Apa Saja Gejala Batuk TBC ?

Spontan muncul lagi paranoid saya jangan-jangan Ifa terkena TBC? Bukankah apa yang di alami Ifa sebagian besar mengarah pada gejala-gejala orang yang kena TBC, antara lain:

Batuk yang berlangsung tiga minggu atau lebih, yang pada tahap selanjutnya, bisa menghasilkan dahak yang berwarna abu-abu atau kekuningan kental, untuk kondisi yang lebih serius dahak tersebut bisa bercampur dengan darah
Demam dan influenza [walaupun tidak terus menurus]
Nafsu makan menurun
Terjadi penurunan berat badan.
Mengalami Kelelahan.
Pada malam hari berkeringat yang dapat dimulai dengan demam hingga menyebabkan keringat berlimpah yang diikuti tubuh jadi menggigil.

Dari beberapa gejala-gejala yang identik dengan penderita TB di atas, setelah Ifa sampai di rumah, saya lihat ada beberapa gejala yang dialami Ifa yaitu pada point 1, 2, 4, 5, 6. Batuk Ifa sudah berlangsung hampir sebulan, berat badan Ifa juga menurun walaupun tidak significant [yang bisa disebabkan karena selera makannya yang menurun], pada malam hari Ifa demam dan menggigil juga.

“ Sekalian minta rontgen dan check darah saja Bi?”
“ Kalau dokternya tidak merujuk, nanti kita dikira kemeruh [=sok tahu] Nda?”
“ Biarin dianggap kemeruh, daripada nanti batuknya Ifa malah lebih parah dan terlambat pengobatannya yang serius, kita sendiri yang nanggung dampaknya kan? “

Melihat kondisi Ifa yang lemas, pucat, badannya demam dan dia bilang kadang-kadang terasa nyeri di dada, maka kami memang harus bersikap sok tahu dan tidak ingin hanya menunggu entah kapan dokter akan memberikan instruksi untuk check darah dan rontgen.

Pertimbangan ini tidak hanya semata demi kesehatan Ifa, tapi juga untuk teman serta orang-orang sekitarnya. Mengingat penularan penyakit TBC ini relatif mudah dan gejala awal terjangkitnya batuk yang dialami seseorang seringkali terlihat dan dianggap sebagai batuk biasa. Oleh karena itu, dengan meminta check darah dan rontgen kami berharap bisa lebih cepat mengetahui jenis batuk yang dialami Ifa, sehingga bisa lebih cepat pula dilakukan tindakan lanjutan yang lebih intensif karena Pengobatan TB ini kan tergolong pengobatan yang bersifat jangka panjang, umumnya butuh waktu sekitar 6-9 bulan.

Cara Meminimalkan Penularan TBC

SEANDAINYA hasil diagnosa menyatakan positif TB, selain pengobatan medis secara intensif, maka dampak paparan bakteri Mycobacterium tuberculosis ini juga bisa sedini mungkin diminimalkan dengan upaya-upaya:

Menggunakan masker untuk mencegah penyebaran bakteri penyebab TBC.
Tidak meludah [mengeluarkan dahak] sembarang tempKenali Gejala Batuk TBC Sejak Diniat
Meminimalkan kontak dengan banyak orang JIKA di suspect sebagai penderita penyakit TBC aktif.
Meningkatkan pola hidup sehat dengan re-setting menu pola makan yang pro-aktif untuk penyembuhan TBC, sanitasi lingkungan lebih dijaga lagi.

After all, Alhamdulillah pemeriksaan foto rontgen dan test darah Ifa Alhamdulillah hasilnya tidak ada indikasi ke TBC, tapi lebih ke Bronchitis dan beberapa parameter test darah yang sedikit melenceng dari baku standar, indikasinya lebih pada akibat selera makan yang menurun dan kurang minum.

*Edisi postingan curhat berlatar true story ketika Ifa masih sekolah di asrama

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