ALUMNI ASSOCIATION OF VDMS
A2A LEARN, SHARE, and ENCOURAGE http://alumnivandeventer.org
October 30th, 2012 5/III/2012
QUOTE Let us not be satisfied with just giving money. Money is not enough, money can be got, but they need your hearts to love them. So, spread your love everywhere you go Mother Teresa
COVER STORY
Financial planning helps us a lot to decide how much money we should save, invest, and use in our daily life. Most people do it well and the rest still don’t know how to manage. They also don’t know how to improve their income or at least they can invest and cover their expenses. The proverb say, “If you fail to plan, then you plan to fail”. In financial planning, it could happen. How can we manage our money properly?
Inside This Issue “A” Note
2
RR North Sulawesi
8
RR West Sumatera
8
RR South Sumatera
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“Make priority and be discipline on what you have decided”
RR North Sumatera
9
Upcoming Event
Sizzle
Cover Story Plan Your Bright Future
3
RR Kupang
5
Hutang dan Kartu Kredit
10
RR East Java-Bali
5
Reksa Dana atau Unit Link?
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Formula 33
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Alumni Update
Past Event
Alumni Region
12
Dutch on Screen
6
Mini Gathering
12
RR West Java-Jabodetabek
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Alumni Registration
13
Registrasi Alumni
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“A” Note The future is not ours to know and will never be. Hence, the future needs us to live and lavish our best on it. Most
VDMS ALUMNI ASSOCIATION
people think that bright future starts from energy draining to excel in all aspects of life till they can’t even enjoy the shining sun and feel the sparkling moment they have. Well, in truth, bright future starts from the how we use the insightful and strategic mind then conjure it up to powerful effort. Mind and effort are two things which are worth bridging by what we should do—planning.
Friends….. having graduated in our respective universities and having been alumni, we may find many chances on hand, many doors opened, and many lines stretched in front of us. But with a plan, we may successfully blend the values of having passion, taking chance, carrying effort on, and attaining certain aims.
I believe, we can make every chapter, every story, and
VDMS Office Jl. Purwanggan No. 9 RT 32 RW 07 Kelurahan Purwokinanti, Kecamatan Pakualaman DI Yogyakarta 55112 Indonesia Phone: +62274-510406 Fax : +62274-556549
even every page of our life be a beautiful gems of timeless wisdom if only we strategically plan and sort the how we go through of it.
The last, since our future is still enigmatic with its twists and turns, we may need friends, partners, and even networks to walk hand-in-hand in the horizons of life. And, I wish Alumni Association of VDMS may make the future we’re trudging will be cheering and glowing as we are all
Email :
[email protected] VDMS website: www.vandeventermaas.org
Alumni Association’s Media Fb: www.facebook.com/groups/alumni.VDMS Twitter: @alumniVDMS LinkedIn: VDMS Alumni Association (Group) Webite: alumnivandeventer.org
here, together.
Nurul Ichsani (Yuyu) Taskforce of Alumni Committee and Secretary of RR Makassar
Scan this QR Code with your smart phone to visit our website
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A2A
Plan Your Bright Future
COVER STORY
Financial planning helps us a lot to decide how much money we should save, invest, and use in our daily life. Most people do it well and the rest still don’t know how to manage. They also don’t know how to improve their income or at least they can invest and cover their expenses. The proverb say, “If you fail to plan, then you plan to fail”. In financial planning, it could happen. How can we manage our money properly? Understanding financial planning is the key to reach your success in financial. Don’t think that you are never be a good person in financial planning. The future can be planned from now, especially the bright future and everyone can be a master in this field.
1.
Look at this comparison among type A and B. Which per son are you?
Make financial planning and Smart Shopping It is hard to do in the first time. Make it regularly and you will get used to it. Make your financial planning for next month in the end of this month. List your income, and expenses. For the expenses, you can split into three things:
•
Pay loan (max. 30% from income)
A
B
•
Saving
Have planning
Don’t have planning
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Living cost (max. 60% from income)
Save money I have
Spend all the money
Donate
Dislike donating
Saving regularly
Dislike saving
Do not care about most updated trend
Buy the most updated trend things
Look at condition of parents, then ask
Ask to parents, no condition caring
Kind
Stingy
After you have your list, allocate your money to your list. 2.
Save frequently. The minimum of saving is 10% of income. Saving is short term asset. It should be liquid, no risk, and small return.
3.
Invest carefully. Investment is long term asset. It doesn’t have to be liquid, risky, and big return. You have to know well before you decide. There are a lot of investment tools out there.
4.
Credit/Loan wisely. Don’t spend that you cannot afford to lose.
5.
Donate regularly. Donation makes you rich.
Buy the needed things Buy “cute” things Never borrow money
Borrow money often
Ask money from friends
Never ask friends’ money
Now, let’s make a financial planning. First, list your income and expenses (on the next page). Make priority and be discipline on what you have decided. Happy financial planning!
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There are five ways to get the bright future:
A2A
Data Keuangan Anda No
Penghasilan
1
Jatah dari ortu per bulan/Penghasilan rutin
2
Penghasilan lain-lain (bila ada)
DO IT YOURSELF Rupiah
Total Pengeluaran per Bulan
Rupiah
1
Bayar SPP Sekolah / Kuliah
2
Bayar les / kursus / ekstrakurikuler
3
Beli buku / peralatan tulis
4
Anggota Klub (sepak bola, motor, karate, dll)
5
Transport / kendaraan umum
“Make priority
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Bensin, parkir, perawatan kendaraan
and be disci-
7
Pulsa
pline on what
8
Internet dan game online
9
Nonton
10
Makan siang
11
Jajan
12
Rokok
13
Kosmetik
14
Traktir Pacar
15
Cicilan motor (yang bayar ortu / sendiri)
16
Tabungan Bulanan
you have decided”
Urutan Prioritas
17 18 Total Pengeluaran per Bulan Keterangan:
•
Tandai dengan “X” nomer yang menurut Anda merupakan kebutuhan
•
Tandai dengan “O” nomer yang menurut Anda merupakan keinginan
•
Tentukan prioritas, dari yang paling penting
Sumber: Iwan Hartawan. 29-09-2012. Money Management Seminar. Bandung.
INSPIRING PEOPLE Independent Financial Planner and Wealth Optimizer. Ahmad Gozali. https://twitter.com/ahmadgozali Happiness Inspirer. Arvan Pradiansyah.https://twitter.com/arvanpra Better light more and more candles. Anies Baswedan. https://twitter.com/aniesbaswedan Relationship Coach and Marriage Counselor. Indra Noveldy. https://twitter.com/
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A2A
RR Kupang
UPCOMING EVENT
UPCOMING EVENT
RR East Java-Bali
November 10th, 2012
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A2A
FORMULA 33
UPCOMING EVENT
November 3rd, 2012
PAST EVENT
Dutch on Screen
Here is the link of the Dutch On Screen (DOS) held by RR-Makassar - AA VDMS. http://youtu.be/4DifpxzgXs8 This 2.57 minutes video shows the glimpse of the DOS event in 15 October 2012. We wish you all enjoy this short and simple video documentation of our event.
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Nurul Ichsani On behalf of Regional Representative Makassar Alumni Association of Van Deventer Maas Stichting
A2A
RR West Java—Jabodetabek
PAST EVENT
Bandung. The first Alumni Regional Meeting of RR West Java-Jabodetabek was held by Alumni Association of VDMS on Saturday, September 29th in Ruang Serbaguna Gedung 1 Rektorat Lama Lantai 3, Universitas Padjadjaran. 29 alumni attended the meeting: 15 alumni from Jabodetabek and 14 alumni from West Java. Jessica and Pungky as alumni administrators from office attended the meeting. Jessica led the introduction and ice breaking. Then, she explained about VDMS in brief: the history, the partners, and introduced the new VDMS board members to the participants. It was really interesting because not all alumni knew much about the history of VDMS and the partners. After that, Pungky gave an explanation about Alumni Association: what Alumni Association is, the goals, logo, the activities, Alumni Committee, how to join and update data in MAS (Membership Administration System), media, RR, requirements, and responsibilities. The participants paid their full attention because they wanted to participate in Alumni Association. The participants showed high enthusiasm during the discussion and seminar. Seminar was delivered by Pak Iwan Hartawan, talked about money management. The material from Pak Iwan inspired them, from the opening until ending of seminar. First, Pak Iwan gave small quiz as an introduction. The quiz is about money and financial knowledge. They got what they wanted to know about the responsibilities they hold and how to manage their money. From this exciting meeting, the new structure of RRWest JavaJabodetabek was established. The structure is: Chairperson Secretary Treasurer Public Relation Ambassador
: Masagus Ahmad Azizi : Isna Kamalia Al Hamzany : Melinda Remelia Hutabarat : Sigit Pancahayani : Doni Suhartono
The brainstorming and discussion session went well. The new RR West Java—Jabodetabek discussed some plans for the next alumni events. The planned events are: 1. Gerakan Sadar Baca (Improving Reading Habit). This idea is from Muh. Abdul Kadir (Alumnus from Jakarta) He initiated to build a community for courses and trainings in Sukabumi, West Java. In this community, he has built a library. The reading habit in that area is good, however the books and system in the library are very limited. Here, VDMS Alumni, especially in West Java, can contribute by donating books and support the system of the library. The plan is we build a “Alumni VDMS Corner” where the alumni can donate the books and keep contact each other. 2. Character Building. This activity is related to the first one. The alumni are going to give training to the children in
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the dormitory. This training is expected to be delivered by VDMS Alumni who are skilled (either soft skill or hard skill) 3. Orphanage Visit. It will be a continuing activity to visit the orphanage first in order to get information about the children’s talent and interest. After that, the children will be given some training or courses (related to art performance, such as dance or music). They will be trained by the alumni in West Java (dance can be trained by Angelia Arka, Alumni from Jakarta). The result will be performed in the 100 year celebration of VDMS in 2013. Furthermore, the alumni will collect clothes or books to be donated to the orphanage. The orphanages proposed are Panti Asuhan Pasar Rebo (Jakarta) which is handled by Hastin Trustinasari (Alumnus from Jakarta) and Sahabat Anak which is handled by Difa Stefanie and Melinda Remelia (both are Alumni from Jakarta). This activity can be supported by Kementrian Sosial (Social Affairs) by proposing sponsorship. The short term plan is to contact the alumni spread in West Java and Jakarta to give information about this activity and ask them to contribute, as well keep contact with them. 4. Outbound. It is proposed by Ahmad Firly (Alumnus from Bogor) in order to make the “family tie” betweenthe alumni stronger. Looking at the experience from Leadership Conferences held for the students, outbound is a good way to know each other better. Besides outbound, we can put some other activities (such as soft skill training) depending on Alumni’s need. The four alumni activities above will be discussed deeper by the RR to choose the appropriate time. The result will be announced in the second week of October (13th October for the latest) Congratulations RR West Java-Jabodetabek! Keep your spirit to accomplish our goal! See you on the next RR West JavaJabodetabek’s event.
A2A
RR North Sulawesi (Manado)
PAST EVENT
Manado. The first Alumni Regional Meeting of RR North Sulawesi (Manado) was held by the Alumni Association of VDMS on Saturday, October 6th in Wahaha Resto, Jalan Boulevard 2 Kawasan Mega Mas Blok Food City no 01. Pak Edwin as VDMS Director, Tersiana Maria as Representative, and 14 alumni attended the meeting. On that special day, Pak Edwin celebrated his birthday, alumni in Manado gave him a surprise. Pak Edwin gave welcoming remarks. After that, Jessica gave an explanation about Alumni Association. The new structure of RR Manado was established. The structure is: Chairperson : Liza Handoko Secretary : Chirley Sofyani Friska Sarese • telling the alumni administrator (to be registered in Treasurer : Adistie Indah MAS) Public Relation : Ferdy Maengkom, Marcos Roring • Proposing the event. The RR Manado has discussed some plans for the next alumni 2. Helping unfortunate children in paying their school fee. events. The planned events are: 1.Giving Training and Workshop. The topic will be decided 3. Gather the alumni, and ask them to donate some amount of money, and then keep the relation with the kids. soon. The deadline: 17 November 2012. The steps are: 4. Creating a counseling group for teachers and students. • Finding alumni, deadline 13 October 2012
• calling alumni and making appointment (with three date Congratulations RR Manado! Keep your spirit to accomplish alternatives)
• meeting the alumni
PAST EVENT
our goal! See you on the next RR Manado activities. Learn, Share, and Encourage
RR West Sumatera
Padang. The first Alumni Regional Meeting of RR West Sumatera was held by the Alumni Association of VDMS on Saturday, October 20th in Lamun Ombak Resto, Jalan Khatib Sulaiman no.99. 20 alumni and 3 PIC of Universitas Negeri Padang (UNP), Universitas Andalas (UNAND), and Universitas Bung Hatta (UBH) attended the meeting. Pungky gave an explanation about Alumni Association: what Alumni Association is, the goals, logo, the activities, Alumni Committee, how to join and update data in MAS (Membership Administration System), media, RR, requirements, and responsibilities. The participants paid their full attention to this explanation From this exciting meeting and lunch, the new structure of RR West Sumatera was established. The structure is: Chairperson Secretary Treasurer Public Relation Ambassador
: Try Genta Utama : Luluk Shoviana : Farah Mutia : Afdal Ade Hendrayana : Ridho Pitra
Afterwards 5 members of RR Board and 14 other alumni formulate some ideas about the up coming event that could be held as the first alumni event at west sumatra. Those ideas are : 1. Public speaking seminar 2. Micro business seminar 3. Online business seminar 8 4. Study tour with some success company
5. Build a promotion team such as public relation activity for business that owned by alumni 6. Scrabble competition 7. Blood donation 8. workshop about “how to face work challenge in a global competition” Later, all members agreed to take workshop about “how to face work challenge in a global competition” as the following event that will be held by RR West Sumatra. They planned to hold this event at the first week of December 2012. Congratulations RR West Sumatera! Keep your spirit to accomplish our goal! See you on the next RR West Sumatera activities. Learn, Share, and Encourage.
A2A
RR South Sumatera
PAST EVENT
Palembang. The first Alumni Regional Meeting of RR South Sumatera was held by the Alumni Association of VDMS on Saturday, October 20th in Pondok Kelapo Resto, Jalan Demang Lebar Daun. Thirty five alumni were contacted, fourteen attended the meeting, including Pak Parulian Siregar, VDMS PIC of STT Musi. Began with an introduction, the alumni tried to know each other. Before the explanation about Alumni Association, the alumni were asked their expectation of joining the Alumni Association. Most answers are: getting new friends, building networks, getting and sharing experiences. In the meeting, the structure of RR South Sumatera was established. The structure is: Chairperson Secretary Treasurer Public Relation Ambassador
: Jony Day : Leo Rama (Laura) : Ardiansyah Ardiabara Ihsan : Maria Wulan Puspasari : Orissa Octaria
The RR Palembang has discussed some plans for the next alumni events. The planned events are: 1. NoBar (watching movie) and discussion, which will be held on the first week of December. The target is 20 alumni
around South Sumatera. 2. Alumni regular meeting. 3. English club and TOEFL test 4. Charity programs. 5. Leadership Conference for alumni 6. Health Workshop RR Palembang also planned to create a regional website. Congratulations RR South Sumatera! Keep your spirit to accomplish our goal! See you on the next RR South Sumatera activities. Learn, Share, and Encourage
RR North Sumatera
PAST EVENT Medan. The first Alumni Regional Meeting of RR North Sumatera was held by the Alumni Association of VDMS on Sunday, October 21st in Tip Top, Jalan Ahmad Yani no.92. Dedi Sanjaya as an AC Representative, 16 alumni, and PIC of Universitas Sumatera Utara (USU) attended the meeting. After ice breaking, Pungky gave an explanation about Alumni Association. Dedi joined the alumni discussion and shared some information about Alumni Association. From this exciting meeting and dinner, the new structure of RR North Sumatera was established. The structure is: Chairperson Secretary Treasurer Public Relation Ambassador
: Iman Kurniawan : Nardus Liliana L. Tobing : Shelly Ertika Sinaga : Olanda Theresia Sianturi : Adhi Kurnia
2.
Seminar about entrepreneurship (Tentative time: April 2013)
3.
Conducting a scientific writing competition for alumni of VDMS in Indonesia (Tentative time: July, 2013)
The RR North Sumatera has discussed some plans for the next alumni events. The planned events are: 1. Seminar about “Management Training” which is planned to be held on December 2012, takes place on Medan or Bukit Lawang (3 hours from Medan). The
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target is 25 alumni of North Sumatera.
4.
Cultural exhibition in Medan (tentative time: November, 2012).
Congratulations RR North Sumatera! Keep your spirit to accomplish our goal! See you on the next RR North Sumatera event. Learn, Share, and Encourage.
A2A
Hutang dan Kartu Kredit
SIZZLE
“Dapatkan DISKON 50%, Penawaran Platinum, Dapatkan Potongan Harga, Cicilan 12 kali Bunga 0%, Dapatkan Hadiah TV Flat Screen, dll”. Kata-kata itu sudah akrab di telinga kita yang sering kali memberikan daya tarik tersendiri untuk memiliki selembar kartu plastik yang sangat efektif dan powerful. Ya, betul sekali, tidak lain dan tidak bukan adalah kartu kredit, atau bahasa kerennya “Credit Card”.
“Sudahkah kita mengerti secara keseluruhan tentang konsep berhutang? Kapan kita boleh berhutang? Sebesar apa kita bisa berutang? “
Pertanyaan sederhana yang muncul pertama kali pada saat seseorang ingin memiliki dan menggunakan kartu sakti tersebut adalah, “kenapa?” Kenapa saya membutuhkan kartu tersebut? Satu pertanyaan dengan berjuta jawaban. Jawaban ini beragam, ada yang mengaku untuk mendapatkan kemudahan dalam bertransaksi, praktis, dan bahkan yang tidak kalah penting adalah sebagai bagian dari indentitas jati diri, atau bahasa gampangnya untuk prestige. Lalu, apa yang menggoda seseorang untuk memiliki kartu kredit? Seperti yang telah disampaikan sebelumnya, kartu kredit memberikan pesonanya tersendiri, terutama iklan yang sangat menggoda: penawaran potongan harga, bonus, dan fitur-fitur lainnya. Kartu kredit, berasal dari kata “credit” yang bermakna hutang. Ya, gunakan kartu ini untuk berhutang. Hutang, bahasa sederhananya adalah pinjaman. Hutang akan muncul pada saat seseorang membutuhkan sesuatu, tetapi orang tersebut belum memiliki aset untuk memenuhi kebutuhannya, sehingga mengharuskan utuk melakukan pinjaman aset dari pihak ketiga untuk memenuhi kebutuhannya tersebut. Pinjaman harus dikembalikan oleh si peminjam kepada yang meminjamkan dalam kurun waktu yang telah disepakati. Ironis memang jika penggunaan kartu kredit ini hanya sebatas dalam utang dan produk utang ini sangat laku di pasaran. Seolah-olah mengajarkan masyarakat untuk terus berutang dan berkonsumsi tanpa melihat dampak keseluruhan dari berutang. Pertanyaan selanjutnya adalah, Sudahkah kita mengerti secara keseluruhan tentang konsep berhutang? Kapan kita boleh berhutang? Sebesar apa kita
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Kebutuhan atau keinginan? Telitilah kembali sebelum memutuskan
bisa berutang? Semua itu merupakan pertanyaan dasar yang selalu ditanyakan oleh kebanyakan orang terhadap perencanaan keuangan. Konsep pengaturan sederhana untuk berhutang adalah batas maksimal berhutang adalah 35% dari jumlah penghasilan. Oleh karena itu, pengaturan penggunaan kartu kreditpun dapat dilakukan dengan memberikan batasan penggunaan pagu kredit sebesar 30%-35% dari jumlah penghasilan. Jadi, pada saat seseorang sudah memiliki dana lebih, di luar dana darurat dan dana investasi lainya, dan besarnya utang tersebut tidak lebih dari 30%-35% total penghasilan, maka kita sudah dikatakan “aman” untuk berhutang. Sudah siapkah Anda menggunakan kartu kredit? Pantaskan Anda mendapatkan kepercayaan untuk menggunakan kartu kredit? Ada yang beranggapan lebih baik membayar tunai atau memakai kartu debet. Banyak yang beranggapan kalau kartu kredit sebaiknya dihindari karena merupakan bentuk hutang dan bunganya besar. Namun itu merupakan hal yang salah. Jika kita menggunakan kartu kredit dengan benar atau membayar semua tagihan tagihan sebelum waktunya dan tidak hanya membayar jumlah minimum, maka kita tidak akan dikenakan bunga. Seperti senjata, jika digunakan dengan benar maka senjata akan bermanfaat. Namun jika tidak digunakan dengan benar, maka senjata akan menjadi bencana.
“Apakah berhutang itu baik?” Sumber: http://www.wealthindonesia.com/wealth-protection-and-preservation/ perlukah-kartu-kredit.html http://finance.detik.com/read/2012/09/19/072843/2025292/722/utangkartu-sakti--1http://finance.detik.com/read/2012/10/01/113754/2048594/722/utangkartu-sakti--2-?
A2A
Reksa Dana atau Unit Link? Dalam perencanaan keuangan, penghasilan seseorang sejatinya dialokasilkan pada tiga hal utama, yakni konsumsi, tabungan, dan investasi plus proteksi.
SIZZLE
http://media.dinomarket.com/docs/imgusr/2011-08/INVESTASI_050811180800_ll.jpg.jpg
Investasi yang benar adalah investasi yang dijalankan, bukan ditanyakan. Alokasi konsumsi digunakan untuk membiayai kebutuhan sandang, pangan, dan papan. Fungsi tabungan untuk berjaga jaga, dan investasi adalah menumbuh kembangkan asset yang dimiliki. Dan yang terakhir, setiap orang biasanya membentengi resiko dengan asuransi.
“Investasi yang benar adalah investasi yang dijalankan, bukan ditanyakan.”
Buatlah prioritas, bijaksanalah dalam memilih investasi
Permasalahannya, produk investasi dan asuransi terus berkembang, sejalan dengan keinginan dari pengguna produk. Termasuk adanya produk gabungan dari berbagai jenis investasi dan asuransi. Hal ini dapat dikategorikan menjadi, reksa dana dengan bermacam tipe seperti; tabungan plus asuransi, asuransi plus investasi, dan gabungan antara produk menjadi unit link yang dapat diasumsikan seperti kawin silang. Reksa dana pada dasarnya adalah berbagai macam produk investasi keuangan, seperti saham, obligasi, surat berharga pasar uang, dsb. Ada reksa dana saham, reksa dana pendapatan tetap, reksa dana campuran, maupun reksa dana pasar uang. Bedanya dengan investasi langsung di saham ataupun di obligasi adalah reksa dana tersebut dikelola oleh manager investasi dimana pengalokasian dananya ditentukan oleh mereka. Manfaat bagi investor adalah resikonya lebih rendah dibandingkan dengan membeli satu jenis saham atau satu jenis obligasi, dan resiko dapat saling menghilangkan/offset. Dalam investasi reksa dana, waktu minimal yang dibutuhkan adalah 3-5 tahun. Unit link adalah produk asuransi jiwa yang digabungkan dengan investasi. Jadi apabila pada saat membayar premi asuransi maka sebagian dari premi tersebut diinvestasikan kedalam berbagai surat berharga yang dikenal dengan unit penyertaan. Pengelolaan dana investasi dilakukan secara terpisah oleh fund manager. Jadi hanya dana pertanggungan asuransi yang dikelola sendiri oleh perusahaan asuransi.
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dari waktu ke waktu secara transparan. Perbedaannya adalah pada reksa dana, selurah dana nasabah sejak awal telah diinvestasikan dalam produk tersebut. Dengan kata lain, dana ditempatkan secara sekaligus ketika membeli reksa dana. Pada unit link yang diinvestasikan adalah premi asuransi yang notabene telah dibayarkan secara bertahap. Singkatnya, pada reksa dana, investasi dilakukan sekaligus, pada unit link investasi dilakukan secara bertahap. Tujuan investasi akan menjawab mana yang lebih baik karena sesuai dengan kebutuhan. Jika nasabah telah memiliki proteksi stand alone, maka menginvestasikan dana secara langsung pada reksa dana dapat menjadi alternatif. Dengan catatan tersedianya dana yang cukup. Jika nasabah ingin memiliki perangkat proteksi sekaligus sebagai investasi, dan kebetulan belum memiliki dana yang cukup besar, unit link dapat menjadi pilihan. Namun pemilihan kedua option diatas haruslah tepat sesuai dengan kebutuhan dan kemampuan. Pada dasarnya pengeloalaan reksa dana maupun unit link untuk aspek investasinya dikelola oleh fund manager. Jadi kebehasilan investasi dalam kedua produk tersebut bergantung pada kepiawaian fund manager dalam memilih produk investasinya.
Jadi, perhatikan terlebih dahulu secara seksama lembaga penerbit produk reksa dana maupun unit link nya. Setelah itu diteliti jenis produk yang investasi yang akan dibeli. Agar Hal di atas yang membedakan unit link dengan tidak menyesal di kemudian hari dengan janji produk asueransi plus investasi, yang juga yang manis oleh agen dari masing-masing dikenal dengan istilah asuransi dwiguna. Pada lembaga. produk ini semua premi dikelola sendiri perusahaan asuransi, termasuk investasinya. Pada prinsipnya adalah sama, yakni asuransi Sumber: plus investasi, namun pengelolaannya yang http://www.wealthindonesia.com/wealth-protection-and-preservation/ berbeda. Umumnya, hasil perkembangan dana reksa-dana-atau-unit-link.html investasi dalam unit link lebih mudah dimoni- Iwan Hartawan. 29-09-2012.Money Management Seminar. Bandung. tor karena pergerakan nilainya dapat dilihat
Alumni Region
ALUMNI UPDATE
There are eleven regions spread around Indonesia. Below, Total of alumni each region in percentage:
Data per October 17th , 2012
Abroad:
1,8 %
2,9 % 6,6 %
7,7 % 4,8 % 4,2 %
6.2 % 1,8 % 25,6 % 22 % 11,6 %
4,8 %
Mini Gathering Did you hold or join a mini reunion among alumni? Please send or tag your photo to us. Who knows your photo will be published on e-newsletter. Be inspired, be inspiring!
Alumni of LC 7 Padang, Siti Nurbaya Bridge. October 20th, 2012— Genta, Luluk, and Ridho
Mini Gathering RR West Java-Jabodetabek Bandung, Saung Punclut. September 29th, 2012. Sigit, Firly, Hendrik, Melinda, Jessica, Dedi, Lia, Pungky, and Doni
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Alumni Registration ALUMNI UPDATE Have you joined VDMS Alumni Association? If you haven’t, please do this steps:
Go to http://vdmsdata.org/mas/. Enter your email address and click send.
1
You will receive email from VDMS. Please check your email either inbox or spam.
Go to the link given. Fill in the short from and click save.
2a Enter your username and password.
2
Username and password are sent to your registered email. Check either inbox or spam. You can not change your username and password.
Complete the form and click save.
3
Please keep your data update. Your updated data will help VDMS Office to contact you whenever we have alumni events.
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Registrasi Alumni ALUMNI UPDATE Sudahkah Anda bergabung dengan VDMS Alumni Association? Jika belum, Ikutilah panduan berikut ini:
Pergi ke http://vdmsdata.org/mas/. Masukkan alamat e-mail Anda.
1
Anda akan menerima e-mail dari VDMS. Mohon periksa email Anda, baik di inbox atau spam.
Pergi ke tautan yang telah diberikan. Isilah formulir dan tekan save.
2a
Masukkan username dan password Anda.
2
Username dan password telah dikirim di email yang telah terdaftar. Mohon periksa e-mail Anda, baik di inbox atau spam. Anda tidak dapat mengubah username dan password .
Lengkapi formulir dan tekan save.
3
Mohon untuk selalu memperbaharui data Anda. Anda akan mendapatkan informasi terbaru jika ada kegiatan alumni dari kantor VDMS.
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