Financial Planner

Wealth Protection (Wealth Protection) is the way and the efforts made to deal with any risks that occur in our lives. This method is part of the Financial Management so there is no negative effect on the future.
 
The purpose of risk management:
1. Reduce the risk of material loss
2. Keeping financial planning is not disturbed by the "Financial Tragedy" that comes always suddenly and never planned.

3. Managing that money is typically used for fun, allocated as compulsory savings, which also functions as a protection.
4. Prepare everything needed for a possible bad happened.

Or in other words the aim is:
Reducing fear and anxiety due to losses caused by the "Financial Tragedy" that must occur in our lives without our own never know when it's time.

How to deal with risk
There are two ways to do that:
1. Controlling the risk
2. Prepare to face the risk of Finance

Treasury prepares to face the risk of:
a. Preparing yourself for tackling financial risk by opening a special account to deposit funds risk reduction

1. Savings I, specifically for motorcycles or car repairs due to accidents.
2. Savings II, specifically for the cost yourself and the family went to the hospital
3. Savings III, specifically for children's school fees
4. Savings IV, specifically for the cost of death benefits

b. Divert financial impact is not able to be borne to the insurance
a. Pay premiums every year for motor vehicle insurance
b. Pay a monthly premium for a family health insurance
c. Paying a premium every month for insurance education  
d. Pay every month for life insurance

In terms of financial preparing to face the risks, whether the best option that we can take? Prepare it yourself or give it to the insurance?
 
Preparing yourself

• advantages:

If the risk of illness, accident, death does not occur in the life of the savings remain ours.

• disadvantages:

If the risk of illness, accident, death actually occurs, then the savings will be depleted even prepared not sufficient to cover the costs incurred.

Submit to the insurance

• advantages:

- Cost is cheaper
- In the event of risk of illness, death, car accident, then the cost to cover all the losses incurred are the responsibility of the insurance company in accordance with the program we choose.

insurance
Why insurance is important for us?

1. Provide security to ourselves and our families.
In the event of death, especially to the head of the family, then the left will receive compensation in order to live a life

2. Relieve the burden of the cost of hospital
Current hospital costs are very expensive. Employees who work in the company without a health facility should soon have health insurance

3 Protecting income
Current insurance program can continue to run, even provide an income, even if the policy holder is no longer able to work due to permanent disability.

4. Protect property, eg home and car  
The risk of fire is very high if the staying home in a residential area - risk of damage to the car due to an accident can happen to anyone

5. Allocate funds consumptive become compulsory savings
By following the insurance, you should regularly save each month and reduce consumptive habits.

6. Having more money in retirement to enjoy life
It is undeniable that the needs of very large pension funds, especially when the cost of healthcare. Although it has no pension, there is no harm in having more a way of saving through insurance.(http://perencanakeuangan.org/)

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