International Day of Persons with Disabilities

Terakhir Diubah : 09:37:54 - Jumat, 03 Desember 2021

Happy International Day of Persons with Disabilities December 3, 2021, International Day of Persons with Disabilities is intended to raise public awareness about disability, eliminate stigma against persons with disabilities, and provide support to increase the independence and equal rights of persons with disabilities in various aspects of life.

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Tips for Driving in the Rain

Driving in rain, whether a sprinkle or a heavy downpour, can be one of the most difficult driving situations a driver encounters. If it’s been raining heavily, you need to be careful as you drive and not hit puddles at spend. Rainy day increase the risk of Aquaplaning.

Aquaplaning or hydroplaning by the tires of a road vehicle, when a layer of water builds between the wheels of the vehicle and the road surface, leading to a loss of traction that prevents the vehicle from responding to control inputs. If it occurs to all wheels simultaneously, the vehicle becomes, in effect, an uncontrolled sled or an accident.

The best strategy is to avoid contributors to aquaplaning. Proper tire pressure, narrow and unworn tires, and reduced speeds from those judged suitably moderate in the dry will mitigate the risk of aquaplaning, as will avoidance of standing water or flood.

For more information about car insurance please call Sahabat Insurance at 021-50508080 (call/WA).

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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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5 Tips for Millennial Home Buyers

As true millennials, of course you want to have a home so that you have a bright future with your family.
So if you’re a millennial looking to buy a house, here are five things you can do to make As true millennials, of course you want to have a home so that you have a bright future with your family. Here are some steps you can take to make your dream come true.

1. Check financial ability
First, prepare a balance sheet including income and expenses.

2. Create a budget
Do some research and learn about several possible ways to pay for a house other than the cash payment method. For example mortgages, or by other methods.

3. Set priorities
From an existing financial plan, make priorities so you can focus on one thing. For example, you plan to take a mortgage. So, your first focus is to fulfill the downpayment first.

4. Investment
Investment can help to develop assets against inflation. For example, for a house down payment, set aside 30% of your salary to the appropriate investment instrument. Over time, with consistency, the budget for a home down payment will be fulfilled properly.
Investment can also be an alternative choice for saving emergency funds. You can save this emergency fund in an instrument with a low level of risk.
In addition to an emergency fund, pay attention to insurance, if you are the head of the family. So, make sure that you have complete protection first, then execute your financial plan.

5. Discipline
The discipline to implement a detailed and comprehensive financial plan is very important. For example, keeping your installments under 30% of your regular salary if you take a mortgage scheme is crucial.

Note that 30% includes all existing debt repayments. So, if your main intention is to buy a house, then you should focus on this plan first.

In addition, plans to buy a house require a long-term disciplined commitment. Therefore, start being disciplined in executing your financial plan. With some of the tips above, you can try to realize your dream of buying a house. Good luck!

Source: https://mediakeuangan.kemenkeu.go.id

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Happy Eid al-Fitr 1 Syawal 1444 Hijra.

Sahabat Insurance staff and anagement wish you Happy Eid-ul-Fitr 1444 Hijra! May Allah bless you and your family with great joy, happiness and prosperity.

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