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Life and life .., Human and planning .., already a requirement. Once the magnitude of this requirement so that an integral part of their daily activities. For a businessman would conduct strategic planning for marketed goods or services that can be immediately absorbed by the market, a corn farmer will plan to sell the corn harvest later three months ahead and the proceeds will be planned to pay her school fees and so forth.

The role of planning is so important that can not be ignored by anyone who is doing the activity, we know in today’s modern world, business planning (goods and services) are carried out in the end is intended to get money, but ironically we often do not make plans for money obtained from the ’sweat’ own.

In real life we often spend large sums of money due to be tempted by discounts of a good program that we really do not need it and even worse we have lost millions of rupiah disebabkan tempted by false information and inappropriate investment advice. Existing facts and not few in number, those who work in finance and often gave financial advice to customers when asked if you already have a personal financial planning program, the very few who say ‘yes’ I already have. But if we ask them whether you want to be rich? Answer them clearly is ‘yes’ I want to be rich.

Yes I want to be rich that is what all people want .., I want to be rich ..!, But here the problem we are all faced with a desire of wanting to get rich but do not know how to .., that we must know is how we spend our wealth we .., then how do we become rich?

Readers who are wise, to become rich is actually very simple, it can be done through the real sector (real sector) and financial sector (financial sector). In our opinion, these two sectors is very potentially make you richer of course do not forget there is a risk factor that must be anticipated early on that by doing the planning. Discussion we discuss here is the discussion of the financial sector in accordance with the competency of course we had initially through financial planning.

Financial Planning or Financial Planning is a matter of how we can do proper planning in line with the time available, the purpose is to make us become more prosperous.

In doing financial planning there are three common formulations made by those who receive income (income):

1. Revenue-liability (debt-routine expenditures, investments and savings (if possible)
2. Revenue-liability (debt) – the investment & savings-routine expenditures
3. Revenue & savings-investment-liabilities (debt) – routine expenditures

Dear Readers, what is the number of financial planning you do? If you want to become prosperous or want to become rich then we explicitly say you should choose the formulation numbers 3 (three). You absolutely do that planning, until at last you feel the beauty of the asset growth you are doing. At this stage you will feel the financial planning is a necessity is no longer an obligation that is full of coercion. Formulation # 3 was done until you retire from your job.

Then how much the investment and savings that ideal?, This is very relative depending on your financial condition but we gave a bound that at least 10% of your income invested on a regular basis each month (regardless of your income), do not ever reduce the dose of your investment if you want become rich in the future. Place the appropriate invest in instruments and absolute adjusted to the time available (short, medium or long).

Regarding the maximum monthly loan installment obligations amounted to 30% of your income, if after the count was the amount of your debt repayments over 30%, then you absolutely routine to reduce expenses and can be combined with the addition of income (this process requires a measurable period), remember Your net worth is an accumulation of total assets minus debt. So a person become wealthy or in the process of being rich if he is able to meet the above criteria.

Investing with a plan is something that is very scalable, suppose you want to invest the funds in preparation for study at top universities in and outside the country, some of you noticed that the absolute parameters of the available time period, the increase (inflation), tuition fees, currency conversion (if want a college outside the country) and the number of investment funds may increase or decrease each year as well as with a fixed amount of investment each year and the frequency can be monthly, quarterly or six monthly.

Readers are smart, our article last February with the title of Financial Planning At The crisis has been explaining how a person gain in index mutual funds even if conditions were declining. Many people consider that the condition of the stock exchange index which declined to make an asset to be reduced, this may be my katakana is not entirely correct because in fact we can attract a significant profit if the stock exchange index has experienced a decline, we must understand is that the economy is a cycle where in a phase can be decreased but in other phases can also be increased. In the long term will have a tendency (tendency) to increase.

There are things that are also important in conducting financial perenacanaan is anticipated if the source of income to be stopped, this can be caused by illness, accident or because of death, then purchase an insurance policy is also a requirement.

At the core of risk factors can we move them to the insurance company. Regarding the type of insurance that we have discussed in an article in early March 2009. Talking about life insurance is closely related to the amount insured, in this sum represents the distribution of assets to the people we care about, so this is a legacy.

In the event beneficiary should the insured menujuk executor to help release funds if the recipient’s heirs heir was still below the age of 17 years. On this matter can be written in a letter made by a beneficiary deed. Because in accordance with applicable regulations children under 17 years old person can not withdraw funds in the bank. Executor can be given to a very trusted family members, friends, relatives or a company (trust company).

Being Realistic

Failure is not an option, the sentence sounded wise, yes because everyone would choose success and never vote for failure. But in an investment of its assets often become eroded by time or we unknowingly incurred in an investment instrument is very large and even the insurance premium paid is not commensurate with the benefits.