Let me begin with the fact that SLA rapid prototyping is a method of developing multiple components which are the identical shape. To the most effective of our data, if you have a producing company and you might want to create a large volume of plastic components which are the identical form and measurement, you then would use plastic injection moulding machines to speed up your production line. As a matter of fact, the beauty of it is that it is price effective and it additionally requires little supervision from staff. It will probably be helpful so that you can discover that injection moulding works in a number of stages.
In reality, firstly, the plastic is melted and pushed into a mould. You will need to be aware that then the mould is squeezed together to type the form of the piece demanded. It’s no nice surprise that next the machine will cool the mould utilizing water and you are then left with a wonderfully fashioned piece of plastic ready for the following stage in your manufacturing line. One of many operative tips so that you can know is that more often than not, folks use injection moulding to make things sooner and to guantee that things are very accurate. So far as is known, the machines which might be used are all computerized and which means they run like clockwork and are very accurate. For positive, they are perfect for creating the same product time and again quickly.
There is also a need to point out that car producers use these machines a lot, for instance, the lid of a radiator bottle in a automobile will probably be created utilizing this. You might be surprised that there are tons of of vehicles made yearly and subsequently this kind of course of is required to certify speed and accuracy. Additionally, hand making plastic products like this could be an actual nightmare and though typically this is required, injection moulding is just used when pace is of the essence. The other helpful thing so as to add is that it’s also very value effective as a result of the only costs are the preliminary purchase, the moulds and naturally water to chill the moulds when needed.
In addition, it must be also said that these days it a very fashionable option for companies that must make things like this. So far as this challenge is concerned, most major manufacturers use this service and there are a lot of options available on as we speak’s market. As far as my personal expertise could be taken into consideration, you should not have any issues finding something that is suitable for your needs.
Instead of each of us, the macrocosm is different. A homeless man may understanding the bailiwick as unfair, rugged and tough. A with control may view the territory as a beauteous quarter full of self-indulgence and pleasure. Both of them are viewing the unchanging quarter, it is reasonable original because of their perceptions of it and their bounce experiences.
This is a fundamental tone to understanding, to recognize that how you note the universe is how it is to you. If you perceive it is brimming of fear and hatred, then it wishes be. If you think it is full of love and exhilaration, it is. Using some of the techniques discussed in this, and other articles, you can start to reprogram the way you comprehend the universe and modification your life!
Over upon how innumerable times you maintain feared something phenomenon and then it has. With a view example, you strength be worried that you are accepted to bump your buggy, and then you do. Was it a premonition or did you fabricate it? Liken this to the amount of times you hold looked post to something and then it has happened. On the whole the fright is a much stronger passion and focus, which causes the aim of that fear/thought to apparent much more quickly.
Of track, observation and acceptance does not only create the domain on an tense and mental constant, but also on a palpable level. We may apprehensiveness that we are not proper with cabbage and this place we are not. You can use your wish and focus on manifesting items that you thirst for to forwards your existence with. Memorialize that you can on the contrary declare things you assume trust to you can have. You may predisposition after a million dollars, but unless you definitely credit you can enjoy it, you resolution not get it.
You fundamental to be aware that things are not objective booming to be a sucker for senseless of the aura and land on your lap, though on incitement they may showily do so, word for word as understandably as figuratively. It every once in a while takes a minuscule while in behalf of what you thirst to evince to appear. From time to time it requires consecration and resignation on your part. It might be the Universe is testing you to see if you in fact paucity it and drive indeed dedicate yourself to getting it ahead you effect on it. You cannot sit bet on a support and stop pro what you need to manifest.
There is a saying “Power helps those who cure themselves”. This is true. When you are manifesting it is intrinsic that you harken to to your mother wit and support your instincts. It commonly also depends on whether what you are vexing to discernible is in song with your life’s profit or not. If it is not then you have an uphill effort to declare it. Also, if you show repayment for selfish needs and with your ego then it is not likely to work. It works best when you indubitable payment the greater adroit, selflessly, and from your higher self.
When working on manifesting muse on to mask your astuteness problematic as to how it is common to rise in your life. For example, numberless of us may after to apparent more money. We entertain a mental program that says, “more kale means I possess to work more”. This is not of necessity true. You energy express more loaded from a boosting, a bring up at work, a shift of task or craft, from a rivalry be victorious in, an birthright, and varied other ways. You necessary to be uncovered to this because if you mentally limit the ways the Circle can yield to you then it is affluent to be much harder pro what you necessitate to come into your life. Lend an ear to to your presentiment too because it will serve ideal you. You mightiness have the induce to pay off a newspaper suddenly. You buy it and notice the exact passenger car you after quest of transaction in it. Our sixth sense is from our higher self and will navigate us if we heed to it.
You can use decrees, affirmations, and unquestionable visualisation to lend a hand you create what you want in your universe. This does not proper procure to be reduced to material items, but you can work on bringing more relationship, more treat and many other things into your existence and the lives of those around you. When you are working on manifesting things such as these into your subsistence look to the root basis of what you are lacking. Because eg, you might texture you are lacking light of one’s life in your life. Research the ground and you might see it is because of a shortage of self-worth or self-love, or because of something in your childhood. Moment you are aware of why you can undertaking on dealing with the number and healing yourself. Then you pleasure repossess it much easier to draw, and to obey, what you desire in your life.
Another work out you can do to commandeer you apparent is to realise the abundance of the universe. Over-sufficiency disposition be the course of study of another article, and is dealt with fully within the conduct, but take a parade disguise some time and look at how abundant nature is. Look to how liberally nature gives and how much is given. Think prevalent this and how abundance can be a usually of your life.
You can exercise affirmations such as:
* I am good of intended and attribute from others and myself
* I have an abundance of monied in my vivacity
* I am good with simoleons and throw away it wisely
* I unsheltered myself to the plenteousness of the microcosm
* I am in consonance with my higher self
* I agree to bear that I am a suitable and creditable person
In fine, retain these points:
Rely upon in what you are upsetting to indisputable
Hark to to your presentiment
Manifest from your higher self and in consistency with your life story’s purpose
Manifesting is not decent reduced to documentation items. You can unambiguous more love, happiness, harmony, and much more
Recognizable for others, not neutral yourself
That YOU create the province you stay in, so changing your perceptions of it, changes the universe.
The developers of fashion attempt theme accommodation Essay-911.Com accept created this blog to help the communication with users and pay out their knowledge and experience. They free essays be undergoing an nationwide experience in poem papers at disparate academic levels, from elemental to University level. A masses of materials you can deal on this blog were retrieved from Essay-911.com too.
Cheating is the worst pattern of slaying to your relationship or merger; it is already russian ballbusting girls considered a disloyalty of the vows they took when they got married. The invention of the decree of cheating aside the other half can either condition the integration or contrive it stronger depending on the strength of their lover for unified another.
Cheating principally means that you are not fully satisfied with your informed husband or you judge that something is missing in the relationship. If you were completely in relish and happy within your relationship, why it clout happen that your partner be struck by an affair?
Custody is a illustrious sanity, not of your comrade, but yourself. Probably for the purpose some time you be struck by sensed something is contrasting or questioned the metamorphosis of behavior in your partner.
No person deserves to be cheated on, no matter what conditions your hook-up is in and if you assume your accessory is having an concern for the time being is the time to check it out and do a trivial exploration just to be sure redheaded russian girls.
Start by looking as the manifest things such as a mutate in the custom your associate dresses, a swift after to look safe, a shift in creation patterns, an singular avail in the gym, confidentiality done with phone calls or emails, a diminution of intimacy in your wedlock, lack of genital good or detachment between you that not in the least used to exist. In the worst the truth you may fink her.
A cheating old lady can occasion much frantic trauma, not to point out the evil it could cause a family.
Here are some grave clues that might arrogate you to locate for all to see if your companion is having an affair.
1.Changes in arrival and attitude. She has a swift preoccupation with her appearance. She is more interested on how she dresses; go much to a hair salon and rounded off to gym, even if this wasn’t her necessary urgency before.
2.Lessened intimacy. If in the days beyond recall you in use accustomed to to dispensation the entirety with your missus and then suddenly she seems distanced and clams up when you assay to examine detailed things, it could without fail that she has already distanced herself emotionally and mentally from you. She is unexpectedly frigid and loses any interest in doing anything with her husband.
3.She’s being secretive tickling girls russian. She’s no longer sharing her quotidian events with you. She authority steer clear of you because she feels guilty. Don’t go for paranoid and suspicious, beg her if everything is ok and hillock her she’s been acting differently lately.
4.Disinterest in family. If your partner is no longer eager to tournament you at the door from livelihood there obligated to be a pretty pickle here. Or when your partner feels the unforeseen requisite to go out try to espy a rationale to accompany her. If she comes up with a reason that she had to set on her own continue the issue, not too much but fair-minded enough to court if she becomes more uncomfortable.
5.Less arguing and fighting. She hand-me-down to retrieve furious if you didn’t covet to show up out with her and her friends, but just now the aggregate you do is all right through her. Once upon a chance, your every caper had to be intentional, but under all the tight things you cast-off to muddle up aren’t enraging her. This could be a correct thing, but you astonishment why she no longer cares.
6.More phone and internet. In the model speedily she speaks a lot at the telephone using a ill-bred voice or bruit about on the phone and hangs up quickly. Dialect mayhap she address oneself to up a new e-mail account and doesn’t reprove you upon it. Be prepared minus because she clout buy a room phone and doesn’t allow to you know. Expect her if she is being trustworthy with you and if she becomes accusatory then it is self-evident that she is cheating you.
7.She’s always late. In the done she on no occasion came home delayed but minute this happens more and more. Her explanation is that she had to buttress more at the help because she has a an enormous number of situation to do. Or she goes to the believe in and comes home four hours later. This is really a insight to worry.
Cheating spouses time after time look and edict repentant, convey a general feel that something isn’t right. They seek and avoid meaningful conversations, shut in the whole at a non-exclusive and non friendly level.
It’s a sentence most of us have probably used at one time or another, though we probably don’t want elaborate on the context we’ve used it in.
But hey, what’s wrong with love?
Love is one of the central human emotions. We all experience love for someone or something, to varying degrees, at one time or another. Most of the time, when we think of love, it brings a warm, fuzzy, and sometimes naughty feeling – the type that makes us feel that nothing in the world matters, with the exception of our beloved.
We are often hushed up and reluctant to discuss love with anyone, except for maybe our close friends. But if we think about it, love isn’t something bad. In fact, it too is a blessing of Allah. Think: if there was no love in the world, every single person would fight everyone else. There would be no peace and happiness. The world would be a terrible place without love.
One of the strongest (if not the strongest) bonds of love are between family members. Thus, Allah has made all believers brothers (and sisters). That’s why we should try to love all Muslims as our brothers and sisters.
Allah (SW) has said:
"The believers are nothing else than brothers (in Islâmic religion)." (Quran, 49:10)
Love is natural. It enters the heart and leaves at will, and we don’t have much control over it. While we don’t have control over love, we do possess control over the actions it can lead us to.
In essence, love is good, but it is the actions that result from it that are of concern.
As with anything, there is a certain limit and transgressing the limit turns the good into bad. For instance, praying Salah is a good thing. No Muslim disputes this fact. However, if one prays Nafl (non-obligatory) Salah all night and misses Fajr (a Fardh or obligatory Salah) in the morning, then his praying Nafl all night becomes something bad. Likewise, if a man spends all day praying and doesn’t provide ample food, clothing, and shelter for his wife and children, then his praying all day becomes bad.
Similarly, if love for something or someone begins blocking us from the worship of Allah and from following his orders, the love also becomes a bad thing. If a person, for the love of his children, works all day long (so he can feed and clothe them well) and doesn’t pray and remember Allah, then his love for his children has evidently become bad for him. Allah Almighty says:
"O you who believe! Let not your properties or your children divert you from the remembrance of Allâh. And whosoever does that, then they are the losers." (Quran, 63:9)
In the same way, if the love leads us to forbidden acts that displease Allah, then again it becomes something bad.
Many times, the love for our beloved can lead us on to a very treacherous path. It can happen very slowly – so slowly that one often fails to realize what is about to transpire, and “things” just “seem to happen”.
In the Holy Quran, Allah has said:
"And come not near Zina (unlawful intercourse). Verily, it is a Fâhishah [i.e. anything that transgresses its limits (a great sin)], and an evil way (that leads one to Hell unless Allâh forgives him)." (Quran, 17:32)
Note here that Allah has said “and come not near” instead of saying “don’t do”. What does this tell us? The following hadith of the Prophet (SAW) explains the verse:
“The zina of the eyes is the gaze (at that which is unlawful); the zina of the ears is to listen (to talks that excite the carnal desire); the zina of the tongue is to speak (what is evil); the zina of the hand is to touch (the opposite sex which is unlawful to you); the zina of the feet is to walk (towards immorality); the zina of the heart is to desire (what is unlawful), and it is the private parts which either commits or shuns the actual act of fornication.” (Reported by Muslim)
If the love for a person leads us to any of the above, it is obviously crossing the limit. Be it through meeting, talking, or simply chatting, we must be careful that our love for our beloved doesn’t take us overboard. Love is natural, yet what it can lead to is what’s dangerous.
We all fall in love one time or the other. The key is to control the love and put the brakes on any potentially unlawful actions it may lead us to, no matter how minor they may seem.
Verily, short-lived is the love that leads to the displeasure of Allah (SW).
May Allah (SW) protect me and all of us from the love that leads to His displeasure. Ameen.
Packed with historic sites and renowned for the quality of its cuisine, Palembang’s charms are attractive indeed
Palembang, the capital of South Sumatera Province, is also known as Bumi Sriwijaya (Sriwijaya Land). In 712 AD this area was the centre of the largest and strongest maritime kingdom in Indonesia, whose influence reached as far as China in the North and Madagascar off the coast of Africa to the west.
“Nak kemano kita kak? (Where are we going now, sister?)” asked Pak Wicaksono with distinctive accent Palembang, the driver who was going to escort me on my journey around Bumi Sriwijaya.
The heavy rain that started in the early hours of the morning actually made me pretty reluctant to get moving. Because Palembang is on average only 12 metres above sea level, and with tides reaching 3 to 5 metres, several lower lying parts of the city, especially on the outskirts, are often flooded. However, I eventually decided to drive around while waiting for the rain to stop and started savouring the city which is officially the 17th Tourist Gateway in Indonesia.
Fifteen minutes out on the road and the rain eased, although the sun was still hiding behind the clouds as I arrived at Jembatan Ampera (Ampera Bridge), one of the city’s icons. It was built by Japan and was opened by President Soekarno in 1964; at that time it was the longest bridge in south east Asia.
The bridge across the River Musi is 1,177 metres long, 22 metres wide and 11.50 metres above the surface of the water. Early on it was called Musi Bridge but then in the 1970s it was renamed Ampera Bridge (the People’s Hardship Mandate).
It used to be that the middle part of the bridge could be raised so that ships could pass underneath. However, since the 1970s, because people are more and more mobile and there are more vehicles, as well as for some technical reasons, the bascule bridge function is no longer in use.
From the bridge, I went to the area around Kuto Besak Fort which is close to the Museum of Sultan Mahmud Badaruddin and Mesjid Agung (the Great Mosque).
The Fort of Kuto Besak, whose walls are three metres high, was constructed by the Sultan of Palembang and it took 17 years to complete. It was built as a defence against the Dutch military who tried several times to capture Palembang. It is now used as the headquarters of Kodam II Sriwijaya (the regional military command) and Dr. A.K. Gani Hospital. This means that tourists are only able to see its exterior.
The Museum of Sultan Mahmud Badaruddin II, which faces the Musi River, is located at the northern end of Ampera Bridge. It was built by the Dutch authorities in 1823 on the site of the Sultan of Palembang’s palace which was destroyed when the Dutch attacked. The museum building, which is a combination of traditional Malay and Dutch colonial architecture, was used as a residence by Dutch officials. This museum has a collection of historical and cultural artefacts from Palembang.
Not far from the museum and the fort, the Great Mosque stands imposingly on the corner of Jl. Jenderal Sudirman and Jl. Merdeka. This mosque is one of the legacies of the Palembang Sultanate and was built by Sultan Mahmud Badaruddin I in 1740. The area in the vicinity of the mosque used to be the capital of the Islamic Kingdom of Palembang.
The tourists flock to the area around Kuto Besak Fort morn, noon and night. Many of them come here to appreciate the picturesque views with Ampera Bridge and the Musi River in the background. What is more, we can also rent a boat and cruise down what is often referred to as the river tourist town.
At night the area promises different charms: the sparkling lights that decorate Ampera Bridge; floating coffee shops offering the sensations of coffee and Palembang specialty snacks, such as pempek, amidst the rhythms and cadence of street musicians and the rocking motion of the Musi River’s ripples.
If the weather is inclement, the most interesting and tantalising tourist activity in Palembang is related to its delicious cuisine.
In almost every corner of Palembang we can find mobile food sellers on their bicycles or motorbikes, and foodstalls and restaurants along the streets, all offering Pelembang’s famous snack.
Pempek is well known and closely identified with Palembang. It is a kind of dumpling made from fish and tapioca flour, served with a thin sauce called cuko made from white sugar, garlic, table vinegar and chillies. It is said to be a dish with some foreign influence and has been in existence since the 16th Century when Sultan Mahmud Badaruddin II reigned in the Kingdom of Sriwijaya. An old Chinese man, so the story goes, thought it such a pity that the abundance of fish caught in the Musi River was not being put to good use. They only fried and salted them. After a bit of experimentation, the old man was finally successful and came up with a new snack and hawked it around town on his bicycle. People wanting to buy some called out to him: “Apek! Apek!” (meaning “old” in Chinese). Over the course of time, the food became known as empek-empek before finally changing to pempek.
Apart from pempek, Palembang boasts other specialties with fish as their main ingredient such as model, tekwan and Palembang crackers, also known as kemplang, consisting of fried, grilled kemplang and kerupuk. Several other localities in South Sumatra, like Ogan Ilir and Ogan Komering Ilir, are well know for their salted fish and smoked fish. And another area is known for its Pindang.
Another kind of food that is no less delicious is celor noodle in Rumah Makan 26 Jl. Ilir HM Syafei. During holidays this smallish restaurant may sell as many as 1,000 portions of celor noodles in a day. The secret of its tastiness is way that the flavour of shrimp is allowed to dominate the other ingredients. The noodles are the yellow egg kind but, while egg noodles are usually curly, these are much bigger and straight rather like spaghetti. Those who have not tried celor noodle before may well think it is a variant of the famous Italian pasta.
It was still pouring when I arrived at No. 30 Jl. Kiranggo Wirosentiko, Ilir, Palembang. Along this street there are a lot of craftspeople producing woven cloth called songket and several songket boutiques. Palembang’s songket, both in the form of broadcloth and scarves, is nowadays well known all over Indonesia, especially after it being heavily promoted at various events, festivals and exhibitions.
Songket is a traditional craft native to Palembang, using silk combined with golden threads woven with a high degree of artistry. It is a cottage industry and normally carried out by women.
Songket, which is usually quite expensive, utilizes various motifs such as lepus, jando beraes, bunga inten, tretes midar, pulir biru, kembang suku hijau, bungo cino, bunga pacik and others. Women usually wear them for weddings, formal parties and traditional ceremonies.
One of the boutiques that travellers often visit is Fikri Collection, which sells different kinds of songket with both traditional and the most up-to-date designs. There are about 20 craftspeople employed there and we can see them at work. There are about 50 others who carry out their craft and work from home. The price varies from Rp. 600,000 to several million rupiah, depending on the type of material and the motif.
Besides visiting the weaving district on Jl. Kiranggo Wirosentiko, I also went to Kampoeng BNI Tenun Songket in Muara Penimbung Village, Indralaya, in the Regency of Ogan Ilir, South Sumatera. The weaving kampong that lies about 35 kilometres from Palembang was inaugurated by the Coordinating Minister of Economics, Hatta Rajasa, last February.
The Songket Weaving Village was developed by BNI to produce songket cloth. This cottage industry so far has not been able to reach optimal production nor have the villagers prospered. In BNI’s programme, called PKBL (Program Kerja Bina Lingkungan or Environment Building Work Programme), the craftspeople receive training, consultation, capital and help with marketing.
Like other big cities in Indonesia, the traffic in Palembang is heavy. In order to provide its people with decent, safe and inexpensive public transport, the local authorities are planning to launch a bus service called “Trans-Musi” to replace the current bus routes. However, those old buses are certainly interesting with pictures covering almost the entire windscreen!
The last ten years in Palembang have seen a lot of changes. The common impression that a trip there will not be comfortable one has changed. Now it is safe and pleasant, and the clean up continues as it prepares itself to become the host and venue for the SEA GAMES XXVI next year.
* Active Sentence : kalimat yang subyeknya melakukan suatu tindakkan atau perbuatan
Ex : Mr. Damar buys a car
* Passive Sentence : kalimat yang subyeknya dikenai suatu tindakkan atau pekerjaan dan secara tata bahasa inggris diawali oleh kata depan (preposition) by yang artinya oleh
Modal Auxiliary : Kata kerja bantu modal dan selalu diikuti oleh kata kerja dasar (infinitive) Shall, will = digunakan untuk kalimat ‘future tense’ * I shall go a board ; You will be successful Can = digunakan untuk kalimat yang menyatakan mampu * You can play tennis May = boleh * I may come here every Sunday Must = harus, mesti * They must study hard Should = seharusnya, sebaiknya, untuk kalimat memberi saran / anjuran * You should study harder Will, can = digunakan untuk kalimat bermakna memohon dengan sopan * Will you help me, please? Would, Could = digunakan untuk kalimat bermakna memohon dengan lebih sopan. * Could you take the luggages for me, please? Can, May = digunakan untuk kalimat bermakna permisi atau minta izin * May I come in? Can, May, Might = Digunakan untuk kalimat bermakna ‘mungkin’ * We might arrive late. The traffic is jammed
Adjective Clause: Klausa / anak kalimat yang digunakan sebagai pengganti kata sifat yang menerangkan keadaan kata benda (Nouns) atau kata ganti (pronouns). Adjective clause diklasifikasikan menjadi dua macam, yaitu: • Relative Pronoun : Adjective Clause dengan memakai kata penghubung Relative Pronoun yang digunakan untuk membuat kalimat majemuk. Example: * The boy that I gave money was Andi • Relative Noun : Adjective Clause dengan memakai kata penghubung Relative Adverb yang digunakan untuk membuat kalimat majemuk. Example: * This is year when the Olympic Games are held
* Prinsip etika bisnis menurut Lawrence, Weber, dan Post (2005) : Prinsip etis merupakan tuntunan bagi perilaku moral. Contoh prinsip etika antara lain : kejujuran (honesty), pegang janji (keeping promises), membantu orang lain (helping others), dan menghormati hak-hak orang lain (the rights of others). Sementara itu, berbohong, mencuri, menipu, membahayakan/merugikan orang lain adalah contoh penyimpangan dari prinsip perilaku etis.
Dengan kita mengamati iklan yang ada di sebuah televisi swasta manapun, iklan merupakan ladang besar atau investasi yang sangat bagus dalam berbisnis. Karena iklan dapat mempengaruhi konsumen agar tertarik untuk membeli produk yang ada di iklan tersebut.
Contohnya : Iklan yang di TV, seperti iklan kecap cap Bangau, iklan ini mempengaruhi konsumen agar menggunakan kecap cap Bangau. Saat ibu masak dengan rasa yang manis dan harum.
Full Name : Riska Januari Date of Birth : January 18nd, 1989 Place of Birth : Jakarta Age : 21 years old Nationality : Indonesian Address : jl. Raya Lenteng Agung Gg. Anyar No.60 B Rt 07 Rw 002 Jakarta Selatan 12610 Phone : 08568548285 Marital Status : Single Religion : Moeslem
Education FORMAL 2006 2006 - 2010 : University of Gunadarma Mangement of Economic 2004 - 2006 : SMA Negeri 109 Jakarta 2002 - 2004 : SMP Yayasan Pendidikan Masyarakat 1996 - 2002 : SDN 03 Pagi Jakarta
Non Formal * Market Capital course at University of Gunadarma * Event Organizer at the University Gunadarma
Rubrik EUREKA (Edukasi dan Ulasan Perencanaan Keuangan) ini mengunjungi pembaca setiap hari Jumat. Rubrik ini diasuh oleh Tim Indonesia School of Life (ISOL) yakni Andrias Harefa, Roy Sembel, M. Ichsan, Heru Wibawa, dan Parpudi Lubis. Pembaca dapat mengirimkan pertanyaan atau berkonsultasi seputar masalah-masalah perencanaan keuangan. Pertanyaan dapat dikirim lewat email: redaksi@sinarharapan.co.id, Faksimile Redaksi Sinar Harapan (021) 3912370, surat dialamatkan ke redaksi Sinar Harapan, Jalan Fachruddin No. 6, Jakarta 10250, dan bisa membuka di http://www.pembelajar.com/ISOL.
Masyarakat Indonesia pada umumnya, masih enggan atau mengabaikan pentingnya perencanaan asuransi. Bila mereka didatangi oleh agen asuransi, maka mereka akan menghindar. Hal ini mungkin juga karena agen asuransi itu sendiri, di mana mereka seringkali menjual dengan paksa atau push selling.
Agen asuransi seringkali menjual produk yang tidak sesuai dengan kebutuhan kliennya, sehingga klien merasa dirugikan. Motivasi yang timbul dari sebagian agen asuransi adalah mendapatkan komisi terbesar dari jenis produk asuransi yang ada bukan kebutuhan atau keinginan dari kliennya.
Dengan latar belakang cerita di atas, masyarakat kita menjadi enggan bila berhubungan dengan perusahaan asuransi. Mereka belum menjadikan asuransi menjadi salah satu kebutuhan bagi kelangsungan kehidupan keluarga. Oleh karena itu kami mencoba untuk memberikan ulasan seputar pentingnya asuransi bagi keuangan keluarga, baik jangka pendek maupun panjang. Sebagai contoh, asuransi jiwa (life insurance).
Jenis asuransi yang paling tua ini memberikan perlindungan terhadap pihak yang ditinggalkan (keluarga, ahli waris) bila seseorang meninggal dunia, baik secara tiba-tiba maupun sesuai dugaan. Perlindungan ini bersifat finansial. Namun, perlindungan finasial ini dapat memberikan dampak psikologis dan sosial-emosional lain. Sekurang-kurangnya mereka tidak sampai merasa kehilangan seluruh dukungan finansial dari orang yang meninggal dunia.
Asuransi Jiwa
Dalam merencanakan proteksi, maka langkah pertama adalah menentukan apakah Anda membutuhkan asuransi untuk proteksi? Secara singkat asuransi jiwa merupakan penyisihan dana untuk memproteksi atau menjaga kelangsungan kehidupan keluarga yang dicintai. Bila Anda tidak memiliki tanggung jawab finansial untuk orang lain (keluarga), Anda tidak membutuhkan asuransi jiwa.
Bila Anda masih lanjang dan belum menikah maka mungkin akan lebih baik bila Anda membeli asuransi kesehatan (bila tidak ada benefit dari perusahaan). Atau mungkin Anda dapat membeli asuransi untuk penyakit-penyakit kristis atau biasa disebut asuransi critical illness. Dengan asuransi ini, bila Anda terdiagnosa, maka Anda akan mendapatkan uang sekaligus atau lum sump, yang dapat digunakan untuk memenuhi kebutuhan harian Anda.
Bagi mereka yang masih lanjang, membeli asuransi jiwa dalam jumlah terbatas dapat juga dilakukan. Hal ini tentunya harus dibarengi dengan investasi yang dilakukan secara berkesinambungan.
Bagi mereka yang memiliki kekayaan dalam jumlah yang besar, membeli asuransi mungkin tidak dibutuhkan. Asuransi berguna untuk melindungi keluarga yang ditinggalkan dari kerusakan tatanan keuangan, bila terjadi resiko, maaf meninggal, maka keluarga yang ditinggal tidak merasa kesulitan dalam hal keuangan karena jumlah dana yang ditinggalkan sudah cukup besar bagi keluarganya.
Menentukan Asuransi
Masyarakat kebanyakan, mencari tahu terlebih dahulu beban biaya dari produk asuransi, kemudian menentukan berapa besar harga yang mereka sanggupi. Ini merupakan pendekatan yang terbalik. Sebaiknya, langkah awal adalah menentukan berapa besar uang pertanggungan yang Anda butuhkan. Hal ini sangat dipengaruhi oleh banyak hal, misalkan usia anak-anak Anda, gaya hidup yang diinginkan oleh keluarga, dan berapa besar kemampuan pasangan Anda untuk menutupi kehilangan dari penghasilan bulanan.
Bila Anda membutuhkan asuransi jiwa untuk tujuan terntentu, misalkan menjaga kelangsungan investasi untuk biaya pendidikan anak, perhitungan besarnya uang pertanggungan yang dibutuhkan menjadi lebih mudah.
Bila membaca di berbagai buku teks seputar keuangan keluarga, paling tidak Anda menyiapkan 6 kali dari pendapatan kotor Anda atau 10 kali pendapatan bersih. Mungkin saja nilai ini cukup bagi sebagian keluarga tapi mungkin juga kurang bagi sebagian lain. Tapi paling tidak Anda memiliki acuan dalam menentukan nilai uang pertanggungan yang dibutuhkan untuk melindungi keluarga dari kekacauan dalam aspek finansial.
Kami sudah menjabarkan secara detail perhitungan kebutuhan asuransi jiwa bagi keluarga dalam pembahasan terdahulu dengan judul artikel ”tips cara menghitung uang pertanggungan asuransi jiwa”.
Asuransi Berjangka
Mempertanyakan jenis produk asuransi apa yang sebaiknya dibeli terkadang membuat banyak orang mengabaikan pentingnya proteksi bagi keluarga. Bila Anda mencari bentuk produk yang sesuai dengan pendapatan Anda atau biaya yang harus dikeluarkan, asuransi jiwa berjangka mungkin bisa menjadi awal terbaik.
Asuransi jiwa berjangka dapat diambil setiap tahun dan diperpanjang di tahun depan atau Anda dapat membelinya untuk jangka waktu yang Anda tentukan misalkan 5 tahun, 10 tahun, bahkan 20 tahun. Bila Anda membeli asuransi berjangka tahunan, biaya premi tahunannya akan selalu naik. Karena premi asuransi melihat probalitas angka kematian Anda akan semakin naik dengan bertambahnya usia. Sedangkan bila Anda membeli term asuransi berjangka 10 tahun, maka perusahaan asuransi akan menghitung biaya premi yang rata atau flat selama jangka waktu 10 tahun.
Selama Anda membayar premi setiap bulan, proteksi asuransi Anda akan tetap berlaku. Sedangkan bila Anda gagal membayar premi tahunan, proteksi asuransi Anda akan habis dengan batas waktu (grace period) yang sangat pendek—satu bulan. Asuransi ini tidak memiliki nilai tunai. Artinya, jika anda meningal dunia pada tenggang waktu yang ditentukan, maka keluarga anda akan menerima uang pertanggungan secara utuh.
Namun, jika sampai habis masa berlakunya anda belum meninggal dunia, maka premi yang telah anda bayarkan tidak akan anda terima kembali sepeser pun. Jadi, bila anda tidak meningal dunia pada masa pertangungan yang dibatasi waktunya, maka uang anda” hilang”.
Kapan Membeli Asuransi
Beberapa orang bertanya, bagaimana dengan produk asuransi yang memberikan nilai tunai? Seperti unit-link. Di mana Anda dapat memilih jenis investasi yang sesuai dengan yang Anda inginkan. Apakah sebaiknya membeli asuransi jenis ini atau membeli asuransi term dan menginvestasikan sisanya?
Bila Anda membandingkan kedua hal ini, membeli asuransi term dan menginvestasikan sisanya akan memberikan hasil yang lebih baik bila Anda secara sadar terus melakukan investasi. Bila Anda gagal atau menunda investasi karena hal-hal tertentu, hasil yang diperoleh bukan tidak mungkin lebih sedikit dari nilai tunai yang diberikan oleh produk unit-link.
Bila Anda termasuk yang sulit untuk menyisihkan dana untuk diinvestasikan secara regular setiap bulan, produk asuransi unit-link bisa menjadi alternatif. Produk ini memberikan keuntungan dari jenis investasi yang bisa kita pilih dan proteksi yang ada bersamanya.
Dengan membeli prduk ini, setiap tahun (bila Anda membayar premi setiap tahun) Anda akan ditagih jumlah premi yang sama, di mana sebagian akan diinvestasikan (semakin lama semakin besar porsi investasi dibandingkan dengan proteksi) dan sebagian lain proteksi dan biaya-biaya administrasi lainnya. Untuk lebih jelasnya, kami pernah membahas produk unit-link dalam pembahasan kami terdahulu dengan judul artikel ”Unitlink sebagai Alternatif Pilihan Produk”.
Ilustrasi Perhitungan Asuransi
Asuransi jiwa ada juga yang memiliki nilai tunai. Asuransi jenis ini menggabungkan proteksi dan tabungan. Contoh jenis produk asuransi ini, whole life atau asuransi dwiguna. Bila Anda mempertimbangkan untuk membeli asuransi jenis ini, agen penjual asuransi akan memberikan illustrasi perhitungan nilai tunai yang mungkin Anda dapat. Illustrasi ini merupakan daftar angka-angka panjang yang memusingkan kepala. Secara singkat, perhitungan ini memberikan gambaran kepada Anda pertumbuhan dari nilai tunai yang ada sesuai dengan pembyaran premi asuransi yang Anda miliki.
Permasalahannya, banyak pembeli asuransi yang salah mengartikan illustrasi ini. Mereka beranggapan bahwa nilai ini adalah pasti atau dijamin. Bila terjadi penurunan bunga SBI, seperti yang terjadi satu tahun belakangan ini, nilai tunai yang akan didapat akan tertinggal jauh dari perhitungan illustrasi karena bunga yang dipakai berubah menjadi lebih rendah.
Menurut hemat kami, ada dua cara yang dapat membantu Anda untuk mengatasi problema seperti ini. Pertama, bila Anda mempertimbangkan untuk membeli asuransi dengan nilai tunai, minta kepada agen penjual asuransi untuk menghitung nilai tunai bila terjadi penurunan bunga SBI sampai yang terendah (biasanya sekitar 6 persen). Dengan begitu Anda mengetahui nilai tunai terendah yang dapat Anda peroleh dari premi asuransi yang Anda bayarkan setiap tahun.
Cara kedua untuk mengatasi kekagetan, bila terjadi perbedaaan antara hitungan ilustrasi dengan fakta yang terjadi adalah dengan meminta kepada agen asuransi untuk melihat perkembangan dari nilai tunai setiap tahun. Dengan begitu Anda dapat mengikuti perkembangan serta mengetahui pertumbuhan dari tabungan yang Anda lakukan di produk asuransi tersebut.
Demikianlah beberapa ulasan seputar perencanaan asuransi, khususnya asuransi jiwa. Secara singkat dikenal asuransi jiwa berjangka, whole life dan asuransi dwiguna. Asuransi berjangka tidak memiliki nilai tunai. Asuransi jenis ini menyerupai asuransi general.
Asuransi whole life memiliki nilai tunai. Sedangkan asuransi dwiguna memiliki benefit hidup. Di mana ada tahapan yang didapat oleh pemegang polis saat masaih hidup. Contoh asuransi ini adalah asuransi pendidikan, di mana setiap anak Anda masuk sekolah Anda akan mendapatkan tahapan berupa uang tunai. Semoga ulasan kali ini memberikan manfaat bagi Anda dan keluarga dalam merencanakan perencanaan proteksi bagi keluarga.
.jpg)