Wednesday, March 30, 2011

March Highlights

Hari ini, hari terakhir bulan Maret.  Gajian udah, pajak udah, investasi udah, zakat apalagi.. pasti udah dong.  Alhamdulillah!

Now, i want to share what happened in March 2011.  March has been a wonderful month for me. Not because it's the month of CIP bonus (Alhamdulillah lagi, sujud syukur berulang kali for a very nice bonus), but because i met one of my 2011 milestone.  Hmmm not completely achieved thou but at least i've started the process.  March was also the month of 'pain' hahaha.. why?  I tell you in a minute.

It's started with Discovery Scuba Diving on March 5th.  Become a certified scuba diver is one of my 2011 resolution.  So i join this so called introduction to scuba diving session. Hosted by mba Itha Seal and Mas Sarwo, this was a session to learn how to use scuba equipment in shallow water. There was nothing like breathing underwater for the very first time.  It took a little getting used to.. but after a few minutes of wonder, I found how easy it was. It was all fun! Mas Sarwo and Mas Dino were good and nice and well trained and experienced instructors.  The food was good --saya minta tambah nasi padahal awalnya saya bilang:"waks, banyak amet nasinya!"  Despite the difficulty I found when doing mask clearing, I can not wait for my next adventure coming in May (insya Allah): Open Water Diver certification course.  Yay!!

I found the sum insured (Uang Pertanggungan) of my current life insurance was pretty low in January -premi yang 5 tahun sudah selesai bayar.  Yes, I am single, pretty, smart, happy and wealthy (hush....!!), but still i'm a bread winner of my family (me and ibu).  A single person like me doesnt usually have a life insurance unless they are bread winner.  That was one reason i bought life insurance polis, and the other reason is because i really love Ibu... If my time comes earlier than her (who knows!) I will make sure she can continue her life properly.  So I decided to open one polis with higher uang pertanggungan (berbahagialah ahli waris saya! hahaha), and it was approved mid March.  Alhamdulillah..  This was followed by unit link close out.  This part is not final yet.  I found it took longer for closing than opening   Yah, biasalah itu, buka cepet tutup lama.  I have anticipated before, but again.. still surprise me why CS and my agent didnt return my email/sms.  People may ask why i want to close unit link and my answer is simple.  I didnt find it fit for my purpose.  For me, i'd better split and have different account for investment and insurance, and optimize (or maximize!) them both.

What painful in March? My good friend, Sylvia, resigned from office March 18th, and will move to Aussie for good.  Good news is she has found a wonderful man, they will tie the knot soon.  Congratulation! 

Also, it was painful to me, saying goodbye to Ibu who travel to Mekkah and Madina for umrah (again!) by herself last Thursday.  Errr, gak sendirian sih... There are good friends with her.  I cried a lot when she left because i cant go with her.  Ngiri!! My schedule didnt allow me to leave in March.

I received first draft interior design for Puri on Monday, March 28th.  I gave many feedback to my designer, still need more review and redesign.  Uuuh, i can't wait for its realization.  This picture below is a hint!

How about my 2011 cooking and baking project? It went quite well, with total 10 dishes year-to-date vs. 40 dishes annually.

Alhamdulillah.  Thank you, Allah.  For giving me a healthy, mind-body-and soul.

47 comments:

  1. Laki-laki mana yang nolak Nining nih?? rugi banget :))

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  2. warisin ke aku aja deh..

    semoga cepat dapat laki yang tanggungjawab ya..

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  3. menarik....senada dengan Ligwina yang ga rekomen unitlink.
    mau dunk mbak share lebih detail itung2annya. bener juga sih pisahin investasi dan asuransi.

    desinnnya keren euy.

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  4. yak, dapat antrian nomer satu.. hihihi

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  5. kalau detail sih pasti beda2 buat tiap orang yah..
    desain itu baru foyer, ruangan lain menyusul yah...
    *nanti sore mau ketemu disainer*

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  6. Good mba!.. investasi sama asuransi emang wajib dipisah..biar maksimal

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  7. yup.. yup.. unit link sangat tidak recommended ...hhhmmmm

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  8. jangan2 keras ngomongnya.. nanti dimarahin agen unitlink.. hihihi

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  9. tosss...setuju banget! udah bandingin hasil porsi invest di unitlink dengan invest sendiri, weleh.. yg diunit link kelaut aja alias ketinggalan jauh..

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  10. unit link aku malah dah ditutup sejak 2009 mba, itupun alasannya setelah ikut kelasnya ligwina.... hehe

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  11. kalo selalu bersyukur, pasti deh tambah : "pretty, smart, happy and wealthy" ;)...... I'm happy for you!!!

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  12. aku nunggu balik modal (modal 'rugi') wkwkwkwkw
    walaupun sebenernya niat utk tutup sudah lama *setelah check up dengan AAM awal 2008*

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  13. hehehe aku selalu bilang seperti itu ke diri sendiri, sebagai afirmasi... :))
    thanks kakak..

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  14. iyaaah bener banget..invest sendiri mah cuma sehari aja dah keliatan hasilnya!
    apalagi bandingin sama UP nya..wuihh bagai langit dan bumi

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  15. yoi jek.... ada temen yg gak percaya waktu aku kasih tau... setelah dia buka account RD dan invest sendiri, baru deh percaya

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  16. Widih, bikin ngiler smuanyaa hihihi

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  17. All about u are wonderful. Sangat memberi semangat buat aqu. Sukses terus Mbak Ning... untuk bulan April dan seterusnya....

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  18. Ning tolong dong share kalo kita udah "terlanjur" ikutan unit link gimana baiknya ? gue ikut unit link, njenk juga, dipikir2 mnding beli emas aja

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  19. mba, bikin tulisan investasi doonngg
    kalo bikin Reksa Dana lbh mantap hasilnya ya?
    gmn caranya niy?
    aku udah tutup unitlink, walo sempat rugi...tapi biarin dah
    males lama2 :D

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  20. @ratna: mbakasi ya mbak. Semoga bermanfaat dan menambah motivasi

    @nitnot: iya nih, udah rencana.. Masih kumpulin literatur dan cari2 referensi :)

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  21. @erna: udah berapa lama ikut unit link-nya? Kalo emas bagusnya buat hedging ya, jaga value utk melawan inflasi. Kalo ingin investasi yg lebih agresif, kudu coba produk lain..

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  22. asyikk....ditunggu yah mbak.
    idem dengan mbak yg udah terlanjut ikut unitlink. what should we do? pls...tq mbak

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  23. siippp.....makasih mbak. insya Allah mau gali data nentuin tutup or not.

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  24. sekarang lg nyari2 produk investasi lain niy
    yg paling aman sepertinya reksadana ya?
    ga bikin cape gitu loh...main saham belum bisa
    emas udah lumayan niy :P

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  25. @nitnot: iya RD aja, apalagi klo buat jangka panjang pasti menguntungkan :)
    Emas lu udah berapa truk? Sinih, bagi atuh :))

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  26. gmn cara buka rekening utk mulai RD?
    katanya lbh bagus buka rekening di Commonwealth bank ya , mba?
    gmn milih RD yg tepat utk dibeli?
    hihihihi...emas lumayan mba, beli yg dijual di pegadaian aja
    dibawah harga pasar :D

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  27. @nitnot: buka rekening RD bisa langsung di perusahaan sekuritas dan beli/pilih2 produk perusahaan tersebut atau beli lewat bank yg jd agen penjual RD. Commonwealth bagus, tapi baiknya coba baca2 FS produk lain utk bandingin performancenya. Jenis RD atau investasi yg dipilih tergantung dr tujuan keuangannya..

    Btw, emas di pegadaian itu LM atau perhiasan?

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  28. apa tuh FS? udah tuing tuing tuing...hihihi....
    bener2 menanti artikel RD for dummies niiiyyyy

    baru dapat perhiasan mba....yg LM belum dapat aja >.

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  29. mba nining, mau tanya dong.. kalau untuk reksadana syariah yang campuran, kira2 yang kinerjanya baik yg mana ya? ada referensi ga mba untuk manager investasinya? belajar invest dari mba ning nih.. :)

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  30. mba ning..berarti kalau punya unitlink..tutup aja ya??? trus enaknya ganti apa?

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  31. untuk tau kinerja, kudu liat laporannya :)
    coba deh cari tau ke mandiri syariah..

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  32. mba tanti, kalau sudah punya unit link, ya balik lagi ke diri masing2... cocok gak dengan tujuan keuangan dan investasi dan asuransinya?
    kalau aku pribadi, aku tutup unit link dan punya asuransi murni, yg terpisah dari investasi, dan masing2 dibuat maksimal...
    hehehe aku gak pernah mengarahkan temen2 buat nutup unitlink lho yaaa...

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  33. I agree with your opinion. Investment is for security for your future. Thanks fr sharing your March thought with us.

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  34. Tante Elly, apa kabar? Thanks much ya.. sudah berkunjung kemari... Lama sekali gak jumpa tante Elly di Multiply.

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  35. ah nyimak doang.. cerita dong pengalaman elu yang dpt 27% increase? wkwkwkwkwk

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  36. emang pengen nulis mba....sekalian share waktu dapet training financial planning dari citybank bbrp waktu lalu.
    antara takut dibilang pamer *padahal invest daku blm banyak juga* dan pengen sharing....
    nanti tetep gw tulis ah....buat hikmah diri sendiri :D

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  37. iyaaaa, been there done that..
    dulu banget waktu mulai sharing soal finplan, sempat takut dibilang pamer... tapi balik lagi deh ke niat gue: pengen berbagi, dan mudah2an bermanfaat buat orang lain... gitu aja sih :)

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  38. saluuttttt... buat mbak Nining!
    laki-laki mana yang sanggup nolak? bener2 high quality woman...!

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  39. hahahaha *ketawa histerisss* karena beberapa kali gagal karena dianggap high quality :p

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  40. Kagum banget membacanya mbak.. semoga selalu sehat dan semangat!

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