How to Avoid Surprise Costs During the Home Renovation

Terakhir Diubah : 02:41:55 - Thursday, 30 June 2022

Embarking on a home remodel can be messy, expensive, inconvenient and at times pull-your-hair-out frustrating. The last thing you want is a higher price tag than your contractor's initial bid. So, how do you keep your sanity and your pocket change while remodeling your home?
1. Renovation gradually and according to your budget
2. If you need handyman services, calculate carefully for the payment
3. You can choose second hand materials with good quality
4. Diligently look for discount materials to build a house
5. If there is something you can do independently, do it yourself
6. Choose a minimalist concept, to be efficient and simple

Protect your home with Home Insurance from Sahabat Insurance, call 021-50508080 for more info!

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Difference of insurance, savings, investment

What is the difference between insurance, savings and investment? Before we know the difference, it is better if we know the meaning first.

According to the Big Indonesian Dictionary (KBBI), insurance is coverage, an agreement between two parties. Meanwhile, the definition of insurance is quoted from the Financial Services Authority (OJK), which is an agreement between an insurance company and a policy holder which is the basis for receiving premiums by insurance companies as compensation in the form of replacing or reducing losses.
Meanwhile, the definition of savings as reported by the Financial Services Authority (OJK) is money deposits in banks whose withdrawals can only be made according to certain conditions. Generally, banks will provide a passbook that contains information on all the transactions you have made and an ATM card complete with a personal number (PIN). In its current development, there are several types of savings that no longer use passbooks but internet/mobile banking.
Investment is investment, usually in the long term for the procurement of complete assets or the purchase of shares and other securities for profit.

Now, after knowing the meaning, let's see what the difference is:

1. Insurance is to provide protection against risks that may occur to your assets in the future, savings are a means to save wealth from unused income while investment is an investment of funds in the long term to earn profits.

2. Insurance has an element of necessity because it is bound by a contract in the policy, savings and investment are more flexible and according to the ability of each individual.

3. While the risks that may occur will be protected in insurance according to the terms and conditions in the policy, while the investment risk depends on market conditions.

Well, hopefully this article provides information about insurance, savings and investment. For further inquiries regarding insurance and how to claim, you can contact us at 021-50508080

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