The mentality problem in Family Financial Planning

The financial issues of family planning has become a hot topic, because asking people increasingly start is what the family's financial planning. Then, as financial planning, be true?

Apparently, the problem is in us. Different kinds of people in this world, because apparently all live the dreams and desires for a comfortable and pleasant's Got, and a variety of ideas and ideals, but how many of those who really want to realize their ideas and ideals, was his dream to live or bad? Remember, everything is a price to pay, let us not because it wants faster you need to realize the dream of high seriousness and commitment. Apparently the hardest part is not exactly different plans, but how do I run a plan itself, so our goal is reached.

According to me, as you answer the financial question, you can learn, or even if you learn to not have the time and create your own, you can ask financial planners to help set one up for you. But on what? This is a guide or a guide or an integrated set of planning your family's financial planning, and nothing means more than just a book report. The question then, what?

For the success of your financial planning, to the mentality of self-administered, no phone, you can NAPO aka No action .... It .. it .... Therefore we need three main attitudes are: discipline) - 2) Discipline - 3) discipline. It appears that the evolution of a discipline which is not easy to discipline by his lifestyle should be a long time and it is not often easy. Discipline is the realization of a clear obligation. examples of people want to lower blood cholesterol, should modify their behavior and unhealthy lifestyle, it can reduce fatty foods such as discipline seafood, dagingan consumption of meat and more vegetables and fibers. If disciplined, and I certainly have never run this scheme, if my high cholesterol. Just click on "Discipline". A bodybuilder who has always been with rigorous training schedule and eating habits. Very often we can hear the saying that "You are what you eat" or something similar to what the law of sowing and harvesting clearly the law of nature, which can be used. Lo, it is not different in many ways ... You owe your success to accumulate from time to time, so you can make the next jump in success. It is not possible if the people whose lives richly, not want to live not on the priority scale, no savings and investment, and not have a clear financial plan before not even for financial planning at all, more comfortable and convenient in the future. Therefore, we draw a simple lifestyle so that you stand the hard life in future.

Remember that God Mmberkati people who really want to be truly blessed, not people who do not like how it is possible to produce rice fields was, Farmer was not working, if the care membajaknya hoe him occasionally, until the harvest time has arrived. Similarly, life must be treated, we introduce the roles and responsibilities, and God the Creator we see how serious we are and the blessing will certainly be upon us. I hope so.

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Do I Need Life Insurance Planning?

Before discussing more about life insurance needs, I will discuss first on the definition of Life Insurance are as follows:

Definition of Life Insurance in accordance with Act No. 2 Year in 1992 reads like this:

"Life insurance is an agreement between two (two) or more parties with which the Insurer is bound by accepting premiums from insureds to provide a payment based on a person who dies or lives insured"

While the definition of Insurance pursuant to Article 246 of the Criminal Code of the Republic of Indonesia goes like this:
"Insurance or coverage is an agreement by which an insurer committed themselves to the insured by receiving a premium, to provide reimbursement to him for any losses, damages or loss of expected profit, which may be suffered because of a particular event that did not."

So in this definition is clear there are four elements involved which the Insured Party (insured), Party Insurers (insurer), One Events (Accidental / uncertainty), Interest (Interest).

planning-insurance-insurance jiwaJelas there a role for the interests of maintaining the economic value of one unfortunate event of death, so that those who abandoned or heirs can continue to receive a decent life with a certain amount of money available in the insurance policy agreement. So according to core functions that life insurance is used to transfer the risk of these deaths to the insurer (insurance company) so that the economic value of the insured (the insured) can be sustained.

Now you already can understand the intent and purpose of the protection of life on this one, so I do not need to linger and direct my insurance said it was necessary for people who are still in the productive years that have economic value or income is used for sustaining family life. Especially if your child is still a small child, how their future if the "pickup from the Top" came suddenly. Because we never know about the life of our lives, and this is referred to as an uncertain time of death even though we own all know that in fact it is the certainty of death for all people without exception.

However I see a phenomenon that was funny because sometimes some of those who already have excessive investment even has a passive income of life insurance aja still view this as a necessity, but ironically most people who do not have a lot of existing investments or passive income that the insurance rate is not too need because they think their money is limited. Precisely because of all limited, we increasingly need protection on this one to maintain the economic value so that only our family maintained its economic life, if an event of uncertain time for that to happen. However umunnya someone more established it will be increasingly aware of the importance of this issue. Believe it or not, the judge of your own!

How much life insurance coverage you need? Wait for next article.

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