<xmp> <body><!--'"</title></head>--> <script type="text/javascript"> //OwnerIQ var __oiq_pct = 50; if( __oiq_pct>=100 || Math.floor(Math.random()*100/(100-__oiq_pct)) > 0 ) { var _oiqq = _oiqq || []; _oiqq.push(['oiq_addPageBrand','Lycos']); _oiqq.push(['oiq_addPageCat','Internet > Websites']); _oiqq.push(['oiq_addPageLifecycle','Intend']); _oiqq.push(['oiq_doTag']); (function() { var oiq = document.createElement('script'); oiq.type = 'text/javascript'; oiq.async = true; oiq.src = document.location.protocol + '//px.owneriq.net/stas/s/lycosn.js'; var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(oiq, s); })(); } //Google Analytics var _gaq = _gaq || []; _gaq.push(['_setAccount','UA-21402695-19']); _gaq.push(['_setDomainName','tripod.com']); _gaq.push(['_setCustomVar',1,'member_name','mikerini',3]); _gaq.push(['_trackPageview']); (function() { var ga = document.createElement('script'); ga.type = 'text/javascript'; ga.async = true; ga.src = ('https:' == document.location.protocol ? 'https://ssl' : 'http://www') + '.google-analytics.com/ga.js'; var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(ga, s); })(); //Lycos Init function getReferrer() { var all= this.document.cookie; if (all== '') return false; var cookie_name = 'REFERRER='; var start = all.lastIndexOf(cookie_name); if (start == -1) return false; start += cookie_name.length; var end = all.indexOf(';', start); if (end == -1) end = all.length; return all.substring(start, end); } function getQuery() { var rfr = getReferrer(); if (rfr == '') return false; var q = extractQuery(rfr, 'yahoo.com', 'p='); if (q) return q; q = extractQuery(rfr, '', 'q='); return q ? q : ""; } function extractQuery(full, site, q_param) { var start = full.lastIndexOf(site); if (start == -1) return false; start = full.lastIndexOf(q_param); if (start == -1) return false; start += q_param.length; var end = full.indexOf('&', start); if (end == -1) end = full.length; return unescape(full.substring(start, end)).split(" ").join("+"); } function generateHref(atag, template){ atag.href=template.replace('_MYURL_', window.location.href.replace('http://', '')).replace('_MYTITLE_','Check%20out%20this%20Tripod%20Member%20site!'); } var lycos_ad = Array(); var lycos_onload_timer; var cm_role = "live"; var cm_host = "tripod.lycos.com"; var cm_taxid = "/memberembedded"; var tripod_member_name = "mikerini"; var tripod_member_page = "mikerini/artikel14.htm"; var tripod_ratings_hash = "1508685492:2f3a37537afe1c600151f836abd2a556"; var lycos_ad_category = null; var lycos_ad_remote_addr = "209.202.244.9"; var lycos_ad_www_server = "www.tripod.lycos.com"; var lycos_ad_track_small = "http://members.tripod.com/adm/img/common/ot_smallframe.gif?rand=84372"; var lycos_ad_track_served = "http://members.tripod.com/adm/img/common/ot_adserved.gif?rand=84372"; var lycos_search_query = getQuery(); </script> <script type="text/javascript" src="http://scripts.lycos.com/catman/init.js"></script> <script type='text/javascript'> var googletag = googletag || {}; googletag.cmd = googletag.cmd || []; (function() { var gads = document.createElement('script'); gads.async = true; gads.type = 'text/javascript'; var useSSL = 'https:' == document.location.protocol; gads.src = (useSSL ? 'https:' : 'http:') + '//www.googletagservices.com/tag/js/gpt.js'; var node = document.getElementsByTagName('script')[0]; node.parentNode.insertBefore(gads, node); })(); </script> <script type='text/javascript'> googletag.cmd.push(function() { googletag.defineSlot('/95963596/TRI_300X250_dfp', [300, 250], 'div-gpt-ad-1450204159126-0').addService(googletag.pubads()); googletag.defineSlot('/95963596/TRI_above_728x90_dfp', [728, 90], 'div-gpt-ad-1450204159126-1').addService(googletag.pubads()); googletag.defineSlot('/95963596/TRI_below_728x90_dfp', [728, 90], 'div-gpt-ad-1450204159126-2').addService(googletag.pubads()); googletag.pubads().enableSingleRequest(); googletag.enableServices(); }); </script> <script type="text/javascript"> (function(isV) { if( !isV ) { return; } var adMgr = new AdManager(); var lycos_prod_set = adMgr.chooseProductSet(); var slots = ["leaderboard", "leaderboard2", "toolbar_image", "toolbar_text", "smallbox", "top_promo", "footer2", "slider"]; var adCat = this.lycos_ad_category; adMgr.setForcedParam('page', (adCat && adCat.dmoz) ? adCat.dmoz : 'member'); if (this.lycos_search_query) { adMgr.setForcedParam("keyword", this.lycos_search_query); } else if(adCat && adCat.find_what) { adMgr.setForcedParam('keyword', adCat.find_what); } for (var s in slots) { var slot = slots[s]; if (adMgr.isSlotAvailable(slot)) { this.lycos_ad[slot] = adMgr.getSlot(slot); } } adMgr.renderHeader(); adMgr.renderFooter(); }((function() { var w = 0, h = 0, minimumThreshold = 300; if (top == self) { return true; } if (typeof(window.innerWidth) == 'number' ) { w = window.innerWidth; h = window.innerHeight; } else if (document.documentElement && (document.documentElement.clientWidth || document.documentElement.clientHeight)) { w = document.documentElement.clientWidth; h = document.documentElement.clientHeight; } else if (document.body && (document.body.clientWidth || document.body.clientHeight)) { w = document.body.clientWidth; h = document.body.clientHeight; } return ((w > minimumThreshold) && (h > minimumThreshold)); }()))); window.onload = function() { var f = document.getElementById("FooterAd"); var b = document.getElementsByTagName("body")[0]; b.appendChild(f); f.style.display = "block"; document.getElementById('lycosFooterAdiFrame').src = '/adm/ad/footerAd.iframe.html'; // DOM Inj Ad (function(isTrellix) { var e = document.createElement('iframe'); e.style.border = '0'; e.style.margin = 0; e.style.display = 'block'; e.style.cssFloat = 'right'; e.style.height = '254px'; e.style.overflow = 'hidden'; e.style.padding = 0; e.style.width = '300px'; var isBlokedByDomain = function( href ) { var blockedDomains = [ "ananyaporn13000.tripod.com", "xxxpornxxx.tripod.com" ]; var flag = false; for( var i=0; i<blockedDomains.length; i++ ) { if( href.search( blockedDomains[ i ] ) >= 0 ) { flag = true; } } return flag; } var getMetaContent = function( metaName ) { var metas = document.getElementsByTagName('meta'); for (i=0; i<metas.length; i++) { if( metas[i].getAttribute("name") == metaName ) { return metas[i].getAttribute("content"); } } return false; } var getCommentNodes = function(regexPattern) { var nodes = {}; var nodesA = []; var preferredNodesList = ['a', 'c', 'b']; (function getNodesThatHaveComments(n, pattern) { if (n.hasChildNodes()) { if (n.tagName === 'IFRAME') { return false; } for (var i = 0; i < n.childNodes.length; i++) { if ((n.childNodes[i].nodeType === 8) && (pattern.test(n.childNodes[i].nodeValue))) { var areaName = pattern.exec(n.childNodes[i].nodeValue)[1]; nodes[areaName] = n; } else if (n.childNodes[i].nodeType === 1) { getNodesThatHaveComments(n.childNodes[i], pattern); } } } }(document.body, regexPattern)); for (var i in preferredNodesList) { if (nodes[preferredNodesList[i]]) { if( isTrellix && nodes[preferredNodesList[i]].parentNode.parentNode.parentNode.parentNode ) { nodesA.push(nodes[preferredNodesList[i]].parentNode.parentNode.parentNode.parentNode); } else { nodesA.push( nodes[preferredNodesList[i]] ); } } } return nodesA; } var properNode = null; var areaNodes = getCommentNodes( new RegExp( '^area Type="area_(\\w+)"' ) ); for (var i = 0; i < areaNodes.length; i++) { var a = parseInt(getComputedStyle(areaNodes[i]).width); if ((a >= 300) && (a <= 400)) { properNode = areaNodes[i]; break; } } var propertyName = getMetaContent("property") || false; if( isTrellix && (properNode) ) { e.src = '/adm/ad/injectAd.iframe.html'; properNode.insertBefore(e, properNode.firstChild); } else if( isTrellix && !( properNode ) ) // Slap the ad eventhought there is no alocated slot { e.src = '/adm/ad/injectAd.iframe.html'; e.style.cssFloat = 'none'; var cdiv = document.createElement('div'); cdiv.style = "width:300px;margin:10px auto;"; cdiv.appendChild( e ); b.insertBefore(cdiv, b.lastChild); } else if( !isBlokedByDomain( location.href ) ) { var injF = document.createElement('iframe'); injF.style.border = '0'; injF.style.margin = 0; injF.style.display = 'block'; injF.style.cssFloat = 'none'; injF.style.height = '254px'; injF.style.overflow = 'hidden'; injF.style.padding = 0; injF.style.width = '300px'; injF.src = '/adm/ad/injectAd.iframe.html'; if( b && ( !isTrellix || ( typeof isTrellix == "undefined" ) ) ) // All other tripod props { var cdiv = document.createElement('div'); cdiv.style = "width:300px;margin:10px auto;"; cdiv.appendChild( injF ); b.insertBefore(cdiv, b.lastChild); } } }( document.isTrellix )); } </script> <div id="tb_container" style="background:#DFDCCF; border-bottom:1px solid #393939; position:relative; z-index:999999999!important"> <!--form name="search" onSubmit="return searchit()" id='header_search' > <input type="text" placeholder="Search" size=30 name="search2" value=""> <input type="button" value="Go!" onClick="searchit()"> </form> <style> form#header_search { width: 916px; margin: 0 auto 8px; position: relative; } form#header_search input { height: 40px; font-size: 14px; line-height: 40px; padding: 0 8px; box-sizing: border-box; background: #F4F2E9; border: 1px solid #BBB8B8; transition: background-color 300ms ease-out, color 300ms ease; } form#header_search input[type="text"] { width: 100%; } form#header_search input[type="text"]:focus { border-color: #A2D054; background-color: #fff; box-shadow: 0 0px 12px -4px #A2D054; } form#header_search input[type="button"] { position: absolute; top: 1px; right: 1px; opacity: 1; background: #DFDCCF; color: #463734; width: 125px; cursor: pointer; height: 38px; border: none; } form#header_search input[type="text"]:focus ~ input[type='button']:hover, form#header_search input[type='button']:hover { background-color: #A5CE56; color: #fff; } form#header_search input[type="text"]:focus ~ input[type='button'] { background-color: #52AEDF; color: #fff; } </style> <script> function searchit(){ // determine environment var search_env if (lycos_ad_www_server.indexOf(".pd.") > -1) { search_env = 'http://search51.pd.lycos.com/a/'; } else if (lycos_ad_www_server.indexOf(".qa.") > -1) { search_env = 'http://search51.qa.lycos.com/a/'; } else { search_env = 'http://search51.lycos.com/a/'; } var search_term = encodeURIComponent(document.search.search2.value) var search_url = search_env+search_term; window.open(search_url); return false } </script--> <style> .adCenterClass{margin:0 auto} </style> <div id="tb_ad" class="adCenterClass" style="display:block!important; overflow:hidden; width:916px;"> <a href="http://adtrack.ministerial5.com/clicknew/?a=637394" title="build your own website at Tripod.com" style="float:left; width:186px; border:0"> <img src="http://ly.lygo.com/ly/tpSite/images/freeAd2.jpg" alt="Make your own free website on Tripod.com" style="border:0; display:block" /> </a> <div id="ad_container" style="display:block!important; float:left; width:728px "> <script type="text/javascript">document.write(lycos_ad['leaderboard']);</script> </div> </div> </div> <script type="text/javascript">document.write(lycos_ad['slider']);</script> <!-- added 7/22 --> <div id="FooterAd" style="background:#DFDCCF; border-top:1px solid #393939; clear:both; display:none; width:100%!important; position:relative; z-index:999999!important; height:90px!important"> <div class="adCenterClass" style="display:block!important; overflow:hidden; width:916px;"> <a href="http://adtrack.ministerial5.com/clicknew/?a=637394" title="build your own website at Tripod.com" style="float:left; display:block; width:186px; border:0"> <img src="http://ly.lygo.com/ly/tpSite/images/freeAd2.jpg" alt="Make your own free website on Tripod.com" style="border:0; display:block; " /> </a> <div id="footerAd_container" style="display:block!important; float:left; width:728px"> <iframe id="lycosFooterAdiFrame" style="border:0; display:block; float:left; height:96px; overflow:hidden; padding:0; width:750px"></iframe> </div> </div> </div> </xmp>
MEMAHAMI SIKLUS HIDUP FINANSIAL ANDA


Sejalan dengan berjalannya siklus kehidupan manusia mulai dari bayi , balita, anak-anak, remaja, dewasa, orang tua sampai tua renta, maka berbagai pandangan dan kebutuhan finansial kita juga selalu berubah-rubah sesuai kondisinya. Contohnya, saat seseorang berada di usia 30-an, kemungkinan sedang sangat menikmati masa mudanya , bekerja dengan giat dan agresif namun berkejaran dengan gaya hidup konsumtif yang bergulat dengan tagihan kartu kredit Menjelang pensiun di usia sekitar 50-an , seseorang biasanya sedang berusaha keras memastikan sudah punya cukup uang untuk bisa melanjutkan hidupnya setelah tidak bekerja, cari aman deh !

Dalam kesempatan kali ini, marilah kita pelajari beberapa kunci-kunci keputusan finansial dalam tiap tahapan kehidupan manusia - yang saya kira perlu kita pahami dengan seksama. Mempelajari hal ini bertujuan untuk memudahkan pengambilan keputusan finansial , apa yang perlu kita lakukan dan apa yang sebaiknya tidak kita lakukan berkaitan dengan uang dari tiap tahapan kehidupan kita. Lebih dari, manfaatnya bukan sekedar hanya untuk menambah pengetahuan kita sendiri, namun juga membantu memahami kebutuhan dan pandangan orang lain secara finansial, sesuai dengan usianya juga. Karena penting sekali bagi kita untuk bisa sesekali menempatkan diri pada posisi orang lain secara finansial. Sebab suatu keputusan keuangan jarang sekali yang bisa berdiri sendiri, baik Anda yang masih lajang maupun sudah menikah, atau Anda punya tanggungan atau justru Anda yang ditanggung. Selalu saja ada pengaruh serta kepentingan orang lain didalamnya.

Usia Sekolah Dasar sampai dengan dengan lulus Perguruan Tinggi S1 di usia 20-an (footloose & fancy free )

Usia 20-an

Usia 30-an

Usia 40-an

Usia 50-an

Usia pensiun , 55 atau 60-an