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Seperti halnya perusahaan bangkrut, kecelakaan adalah kasus lain yang sama-sama tidak dapat Anda prediksi kedatangannya. Skala kecil atau besar, Anda tetap akan mengeluarkan uang untuk menebus biaya pengobatan. Bagaimana kalau Anda atau anggota keluarga terkena musibah yang mewajibkan Anda menggelontorkan sejumlah dana besar, sementara Anda tak punya uang cadangan? Maka dari itu, Anda harus mempunyai tabungan untuk mengantisipasi hal-hal buruk seperti kecelakaan. Semakin cepat bertindak, semakin besar peluang Anda atau kerabat selamat.
- Sebagai Biaya Rekreasi atau Liburan
Gerakan Ekonomi Nabung Cara Aman Rasional mengajak Anda menabung untuk bersenang-senang juga. Siapa yang tidak ingin liburan ke luar negeri? Anda pasti mau terbang ke negara-negara yang jauh dari Indonesia, tetapi selalu saja terhalang maalah biaya. Dalam hal ini, tabungan akan sangat membantu Anda untuk memenuhi keinginan tersebut. Sehingga Anda pun tidak akan kerepotan dalam menghitung biaya maupun melakukan transaksi untuk melancarkan rencana tersebut. Namun pastikan jangan sampai menguras semua isi tabungan Anda, ya!
Meski sebagian orang mulai menyadari pentingnya dana pensiun, masih ada yang belum mengetahui cara mempersiapkannya dengan baik. Jika Anda belum tahu, di Indonesia sendiri hanya 2 dari 10 orang yang mampu merasakan masa pensiun. Maka dari itu, selagi masih muda, Anda sangat dianjurkan untuk membuat tabungan dana pensiun sebagai persiapan. Namun, sekali lagi, simpanan jangka panjang ini perlu mendapatkan perhatian khusus supaya Anda tak salah langkah.
Berikut ini ada beberapa kesalahan yang sebaiknya tidak Anda lakukan saat merancang penyimpanan dana pensiun.
- Tidak Merencanakannya Sejak Masih Muda
Walau sudah ada kaum muda-mudi yang sadar akan krusialnya menyiapkan dana pensiun sejak dini, ternyata masih ada segelintir orang yang mengabaikannya. Mereka menganggap dana pensiun bukan hal yang harus diprioritaskan saat ini dan lebih memilih mewujudkan hal yang kurang penting. Padahal, saat Anda semakin tua, Anda malah akan semakin sukar menyisihkan anggaran untuk tabuangan dan dana pensiun. Jangan sampai Anda menyia-nyiakan masa muda dan malah merana begitu memasuki masa pensiun karena tak punya uang sepeser pun.
- Memakai Asuransi untuk Menyimpan Dana
Anda sedang mempelajari pengertian AAJI / Asosiasi Asuransi Jiwa Indonesia untuk menyimpan dana pensiun? Sebaiknya Anda harus mempertimbangkannya lagi. Pasalnya, sebagian agen asuransi tidak menghitung kebutuhan pensiun Anda dengan cermat, sementara Anda harus membayar iuran dalam jumlah yang tidak sedikit. Sebaiknya, Anda tanyakan bagaimana cara mereka dalam menghitung dana atau target pada produk yang mereka tawarkan. Akan lebih baik kalau Anda berkonsultasi juga dengan perencana keuangan tepercaya agar tidak menyesal di kemudian hari.
Sebagian orang mulai mempertanyakan kenapa harus memulai bisnis dari sekarang? Ada beragam hal yang melatarbelakangi rasa penasaran tersebut, salah satunya adalah membludaknya jumlah pegawai kantoran yang banting setir menjadi pebisnis. Lalu, dari sekian jenis usaha yang ada, network marketing menjadi yang cukup digemari di kalangan masyarakat. Selain mudah dijalankan, usaha ini tidak menuntut Anda untuk mengeluarkan modal besar.
Tertarik untuk menggelutinya? Kendati tampak mudah, usaha network marketing Anda tak akan berjalan mulus kalau Anda melewatkan poin-poin penting ini.
- Mendirikan Impian Bersama
Network marketing adalah bisnis yang dijalankan bersama dan hal pertama yang akan Anda lakukan ialah membangun impian dengan rekan-rekan bisnis. Pasalnya, jenis bisnis ini sangat tergantung dengan besarnya jaringan yang Anda kembangkan. Sehingga, tanpa kekuatan kelompok yang kuat, sulit bagi Anda untuk mewujudkan impian tersebut. Maka dari itu, satukanlah visi dan misi bersama, lalu jalankan bisnis tersebut dengan rencana yang matang.
- Duplikasi Matang dan Bertahap
Hal selanjutnya yang akan membantu Anda dalam menyukseskan network marketing adalah melakukan duplikasi yang matang dan bertahap. Kalau duplikasi tidak ada, usaha Anda kemungkinan akan berjalan kurang cepat dan tidak bergairah. Tidak ada yang salah dengan meniru langkah senior yang sudah sukses, tetapi setelah itu kembangkanlah dengan cara kalian sendiri. Setelah itu, ajari rekan bisnis Anda sampai mereka paham dan mampu mengaplikasikannya sesuai arahan serta kemampuan mereka.