This article is published in Jakarta Post on August 9, 2018.
The smartphone is a result of the rapidly changing and continuous development of technology and, undoubtedly, affects every aspect of our everyday lives. To me, it is a powerful device that allows me to attend to several activities simultaneously at the mere push of a button.
We rarely go to the bank these days, as financial transactions can be made via mobile banking. Groceries and clothing can be ordered online; digital books can be found and read any time; we can even pay our bills can easily.
I had been using my smartphone for the last six years. It was even older than my daughters. However, after thinking long and hard, I finally decided to replace it with a new one.
Continue reading “PUBLISHED ARTICLE – TIPS FOR CHOOSING & FINANCING A NEW SMARTPHONE”
Published in The Jakarta Post on January 11, 2018.
According to the dictionary, the definition of retirement is an act of leaving one’s job, career, or occupation permanently, and reasons for retirement can be as diverse as the people themselves.
However, the most common reason for retirement is age. Obviously, people are unable to resist old age.
Age as the most common reason for retirement can be related to productivity. One of the many ways a company can keep being productive is by maintaining the quality of its workforce. That is why, to manage the quality of its workforce, in many companies there are limits on how long an employee is allowed to work. For example, my company sets the maximum age for employment at 55 years old — other companies may have a different policy. Thus, sooner or later retirement is something that we all have to face.
Continue reading “Published Article – How much do you need for a comfortable retirement?”
Published in The Jakarta Post on January 5, 2018.
It feels like it was only yesterday that I became a grade-schooler and discovered the joy of learning, experiencing that someone else can occupy a lot of your mind in junior high school, celebrating sweet seventeen in high school — when I did not even know the meaning of it — living away from family when pursuing my bachelor’s and master’s degrees (don’t worry mom and dad, I survived), and marrying my true love and being blessed with twin daughters.
Now, I am more than 30 years old.
Continue reading “Published Article – Five money mistakes I made before 30”
Published in The Jakarta Post on January 11, 2017.
Tremendous effort, courage and proper financial knowledge are needed to battle with one’s debt.
The following are signs that one may have accrued too much debt:
Continue reading “Published Article – Four signs you have too much debt”
Published in The Jakarta Post on November 16, 2016.
Words, even though I am quite adept at them, were not able to describe my joy and thrill when doctors confirmed that my wife was with child. And that feeling became more indescribable when the doctor informed us that we were going to have not just one, but two baby girls.
Continue reading “Published Article – Five financial tips for welcoming babies”
Published in The Jakarta Post on July 26, 2016.
I do not know how to save:
Not one person knows how to save at first. During our school years, saving is not offered as a subject. However, if you want to be financially well off, saving is a requirement. With a strong resolve it can be done.
Continue reading “Published Article – Saving is (not) hard”
Published in The Jakarta Post on July 12, 2016:
I believe we all know there are many activities traditionally tied to Idul Fitri and the mudik (exodus) period. Many travelled unimaginable distances and faced difficulties to get together with loved ones (travel expenses), various meals and snacks were prepared (food expenses), new clothes were purchased (clothing expenses) and gifts were given (other expenses) to commemorate this once-a-year event.
Without a doubt, there are additional expenses during the Idul Fitri andmudik period. The exact value will differ for every individual, but, according to surveys spending during this period can rise by 30 percent from normal days, if not more. That represents a considerable financial burden.
Ideally, measures ought to be planned ahead of time to anticipate the extra expenses, so they will not greatly affect our financial stability. Unfortunately, many are oblivious to this matter and may experience financial setbacks after the Idul Fitri and mudik period ends. Are you one of them? I really hope you are not.
Continue reading “Published Article – Here’s how to do a financial check-up after Idul Fitri”