Toyota's Global Sales and Production Hit Record Highs in the First Half

 Toyota Motor Corp. on Wednesday reported record-breaking global sales and production figures for the first half of 2025, driven by strong demand in key markets including North America, Japan, and China.

The world's largest automaker saw its global sales increase by 5.5% year-on-year to more than 5.1 million vehicles during the January-June period.

Hybrid vehicles played a key role in this growth, accounting for about 43% of Toyota's worldwide sales during the period.

Toyota's global vehicle production also showed strong growth, rising 5.8% year-on-year to 4.9 million vehicles.

For June alone, the Japanese automaker reported a 1.7% increase in global sales to 867,906 vehicles, while production jumped 7.4% to 854,565 vehicles.

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Available Car Insurance to Minimize the Risk of Damage and Financial Loss

 

 Available Car Insurance to Minimize the Risk of Damage and Financial Loss -  Have a cool and expensive car, but no insurance? Are you ready to lose? Car insurance, highly recommended for every motor vehicle owner, to minimize losses due to accidents.

The reason is, the various risks of car accidents, it is never known when it comes. So make sure your car, has been safe from all sorts of unexpected risks, because it is already listed the best car insurance, which you can buy at CekAja.com.

What is car insurance?

Car insurance is an insurance service in the form of vehicle protection, both cars and two-wheeled vehicles, or motorcycles. Where, various risks that occur in your car due to accidents, the losses can be transferred to insurance companies or guarantor agencies. 

So, in addition to being careful, you can also minimize car accident losses by buying a car insurance policy. Car insurance will work to anticipate risk, by transferring it to car insurance companies.

History of Car Insurance

Before offering protection services for cars and motorcycles, motor vehicle insurance in the past, precisely in London, only provides insurance facilities for the engine only. Usually, the insured machine is a train engine, which is in 1896.

Furthermore, in 1898, motor vehicle insurance was present, and was known as the Law Accident Insurance Society. After World War I, in 1914, the number of road accidents increased. 

Thus, it gives rise to a new need, to bear the risk of motor vehicle losses. In 1974, the Road Tranfic Act was enacted, which was in line with a decision by the European Economic Community, which established all motor vehicle insurance policies.

It also raises public awareness, on the importance of having insurance, especially car insurance to minimize losses.

Still in Europe, the British also established the insurance The Red Cross, which was renamed The White Cross. Motor vehicle insurance has a guarantee in the form of All Risk, which is further introduced in the Netherlands. 

The term All Risk also became familiar in Indonesia, because the Dutch also participated in marketing the insurance, during the colonial period. However, in Indonesia now the term All Risk is replaced with the term 'comprehensive' or combined coverage. Even so, the term All Risk is still often used by insurance companies.

Types of Car Insurance

Speaking of All Risk car insurance guarantees, in Indonesia alone there are two types of car insurance, namely mobi All Risk insurance and TLO (Total Loss Only).

• All Risk/Comprehensive

The first is Al Risk or comprehensive car insurance, where this insurance protects the car more broadly from various damages. Starting from minor damage, such as fine scratches, dents, and other minor damage, to major damage such as collisions, which result in the car body changing shape. 

Not only damage, this type of car insurance also protects the car from car theft. Thus, any kind of damage loss, can be borne as long as it is in accordance with what is written in the policy.

Total Loss Only

While TLO car insurance (Total Loss Only) is an insurance service in the form of protection on cars, from the risk of loss.

In addition, TLO car insurance also guarantees risk, due to theft and damage if the cost of repairs is estimated to be equal to, or exceeds 75 percent of the price of the vehicle, shortly before the loss occurs.

Can All Risk Car Insurance Protect Your Car From All Risks?

When viewed from the explanation, All Risk car insurance can provide comprehensive protection from all risks of damage and loss. However, it turns out that there are some risks that can not be guaranteed by All Risk car insurance. 

However, you can decide to expand your car insurance coverage. Where, this expansion of coverage includes things that may happen to the car caused:

1. Natural disasters such as floods, hurricanes, pickaxe, storms, and water damage.

2. Riots.

3. Earthquake/Tsunami.

4. Sabotage/Terrorism.

5. Third Party Liability (TPL).

6. Driver's Accident.

7. Passenger Accident.

8. Legal Liability to Passengers (TJHP).

9. Official Workshop.

Indonesia itself is a country that has a great possibility, to experience things like the above. Call it like a natural disaster flood, which every year must occur in some areas to the capital.

So, for people who want to get guarantees from some of the risks above, can expand the guarantee.

For the amount of expansion rate this protection varies.

For those who are curious, you can find out in full, related to how much the latest protection expansion rate, you can see it in the OJK Circular Letter 

Advantages of Having Car Insurance

Just like humans, inanimate objects also need protection. However, not only protection, the owner will also feel safer, because of the risks, can also cause financial problems.

Car insurance is present and growing, even providing the need for special insurance that is much more profitable. Here are the benefits of having car insurance in general:

More efficient, as it reduces risk uncertainty

Helps reduce financial burden due to losses

Can give peace when driving, either yourself or others

- As an investment instrument, and more disciplined in saving

- Easier to manage finances

Benefits of Car Insurance Before You Buy It

Already have a car, but haven't insured it yet? This may be a good time for you to immediately look for the best car insurance. Why rush to have car insurance? What are the benefits of car insurance?

For some people have vehicle / car insurance is less important because they can drive the vehicle carefully so as to avoid accidents. Not to mention, taking care of the way car insurance claims are difficult and the procedure is convoluted so that the funds needed are liquid. But that assumption is not entirely true because filing car insurance claims can be done quickly and easily as long as all requirements are met. The benefits of car insurance are not only limited to indemnity tools in the event of an accident, but also as a maintenance investment.

We never know about things that might happen in the future. For that, it is also important for you to have protection from various risks, in this case about the car, such as the risk of damage to loss. Well, you certainly do not want your car to have fatefully with no protection, even though you have difficulty saving to take installments to have it?

You must know the various benefits of car insurance to protect your favorite vehicle, before choosing the best car insurance products such as Raksa car insurance, BCA, and others. Check out the explanation below.

Benefits of Car Insurance Based on Product Type

In general, car insurance consists of total loss only (TLO) car insurance and all risk (combined/ comprehensive) car insurance. The benefits of car insurance from the types of products on the market are as follows:

1. Benefits of total loss only car insurance (total loss / car TLO insurance)

As the name implies, total loss only (TLO) car insurance offers car insurance benefits in the form of claims that can only be made in the event of a total loss. The total loss in question is damage that occurs above 75% or loss due to theft or deprivation. The amount of damage of 75% is used as a benchmark because the car will certainly not be usable again.

In addition to guaranteed protection, the cost of car TLO insurance premiums is also cheaper than all-risk car insurance. You can also save financial expenses with costs that are not too expensive. If you have a used car under the age of 10 years, it's a good idea to take TLO car insurance rather than all risk car insurance. 

2. Benefits of all risk car insurance (combined / comprehensive)

All risk car insurance or also referred to as comprehensive or combined car insurance is favored by various circles, ranging from millennials to adults. The reason is, the benefits of all risk car insurance provide comprehensive coverage for the risk of small and large damage. The scope of damage risk can also be added flexibly, such as for the risk of natural disasters and riots.

With the benefits of all risk car insurance offered thoroughly, the cost of premiums that you have to pay every year is higher when compared to car TLO insurance. Although the insurance coverage offered is more complete, you need to remember that all risk insurance protection is only valid in one year. Therefore, all risk car insurance is more suitable for new cars, such as cars that were newly produced or purchased in the same year.

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Want to Buy Car Insurance, Where should you start?

  Cars are an important means of transportation in human life today. Not just for the purposes of traveling, cars have become the main needs of urban communities. 

If you have health insurance to protect you from the risk of disease, for the car should be so. It is important to have car insurance that can protect your vehicle from various risks on the road.

Here are tips on buying the right car insurance :

 1. Search for detailed information about car insurance products

Every insurance company offers a wide variety of different packages. Therefore, you must be careful and careful in choosing the package.

One thing you must do is find out how widely the car insurance product is able to provide protection against your favorite vehicle.

Not denied, the wider the insurance coverage protects the vehicle, the more expensive the premium you have to pay.

But it does not matter if you are able from the financial side and the insurance product according to your needs. 

2. Who has an extensive network

You also have to browse the network owned by the insurance company. The trick is easy, dig up information about the number of branch offices that serve car insurance to how many partner workshops.

Know, the breadth of an insurance company's network is very useful when you want to file a claim. In fact, you can benefit if the subscription workshop turns out to be an associate workshop of the vehicle insurance company. 

3. Not tempted by cheap premiums

It is not wrong if you focus on finding premiums at the cheapest price. But premiums that are too cheap do not necessarily guarantee the quality of service provided.

Nowadays, more and more vehicle insurance companies are offering crazy promos. Premiums start from Rp 10 thousand, or only Rp 5 thousand only.

Most of these companies are even willing to cut prices without thinking about quality. Therefore, you must find out from anyone who has been or is a user of the product. 

Testimonials from previous customers are definitely trustworthy. However, you need to balance this with other opinions from relatives or anyone for the accuracy of the information.
If you still feel less satisfied, there is no harm in visiting or just being a member of a community or forum of car lovers spread on the internet.

Generally, the community has a lot of opinions that you can collect and draw conclusions which insurance is best. If you are lucky, you can even get a number of recommendations about car insurance most appropriately from the relevant community. 

4. Look at his reputation

The next step is to look for information on the reputation or credibility of the insurance company. There is nothing wrong if you ask an associate workshop related to car insurance services.

The fact about the cooperation that is established along with smooth payment, the submission of claims from the insurance company to the workshop can be a kind of benchmark for the selection of the product.

5. Availability of other important facilities

Next is to ask about additional facilities in car insurance. Usually, this facility is in the form of a tow car or replacement car, ambulance, accompanied by customer service that can be reached at any time.

As a human being, you don't know what risks or disasters might be. Therefore, additional facilities from the insurance company must be accessible quickly.

Consider Each Point to Choosing the Right One

There are at least three important things that should be considered when choosing insurance for your favorite car. Starting from the credibility of insurance companies, premiums, and networks as the main service. 

The most important thing is to choose car insurance that suits your needs and financial condition. Of course, it can cover the risk of loss if there is a risk to the car, but it does not burden financially when it comes to paying premiums.

Because, the insurance budget in personal finance not only focuses on financing car insurance, but there is health insurance, life insurance, even home insurance. Don't force things.

If finances are mediocre, you should choose car insurance that is not comprehensive or Total Loss Only (TLO). But if you have more budget, and more comprehensive needs, there is no harm in choosing all risk insurance.

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7 Tips for Choosing the Best Bank Deposits for Beginners

  Deposits are still one of the investment instruments that people are interested in. That's because these investments are low risk and offer higher interest rates than savings.

In addition, you do not have to bother managing deposits. The bank will manage it. Although fairly safe, you should not rashly choose bank deposit products.

Here are tips on choosing the right bank deposit to maximize investment profits :

1. Know the minimum deposit amount

Currently, the minimum deposit amount that must be deposited to the bank is increasingly affordable. With rp 1 million, you can already open deposits and enjoy the benefits.

However, this provision does not apply to all banks because each bank has a different policy. If you intend to open a deposit, then find out first how much the initial amount should be deposited.

Choose the amount that does not burden your finances to avoid withdrawals before the due date arrives. Information about this minimum amount can be seen in brochures, official websites, social media accounts, or applications from the bank concerned.

2. Adjust the deposit period

The period of deposits is generally 1, 3, 6, 12, and 24 months. You can determine for yourself the period of time the deposit as desired.

If indeed the money does not want to be used in the near future, then choose a long period of time so that the profit is maximum. The longer money is deposited, the greater the percentage of interest rates.

Even more so if the amount of money is quite large. As a customer, you are allowed to renew automatically or not automatically when the deposit is due.

If it is automatically renewed, then the deposited amount is the principal amount plus the interest on the deposit. As a result, the profits obtained are different each period.

3. Choosing a trusted bank

Next is to choose a trusted bank. It sounds trivial, but the key is here if you don't want to lose the money that has been put into deposits.

Because, not a few people who offer deposit products with minimal capital and high profit rates. You should be aware of the lure of high interest because in fact the limit regarding deposit rates has been determined.

It is better to find out information about a particular bank or financial institution before buying an offered financial product, such as deposits. Choose a bank that is a participant of the Deposit Guarantee Agency (LPS).

In this way, deposit investment will be guaranteed lps if at any time the bank goes bankrupt or liquidated. The guaranteed deposit value is not more than Rp 2 billion.  

4. Calculate the amount of profit

Each bank offers a different deposit rate. There are 5.25% per month, 5.50%, 6%, to 7%. Choose a bank that offers the highest interest rates because this greatly affects the amount of profit earned when deposits are due.

The calculations don't stop there. It is also necessary to calculate the profit for each period of time offered by the bank.

If the deposit period of 12 months is greater than 6 months, it is better to choose a 12-month one. Of course, with a note, if the money will not be used in the next 1 year. 

5. Consider other costs

In choosing banking deposits, it is also important to consider miscellaneous costs. Call it a tax fee, stamp duty, or penalty in case of withdrawal of deposits before maturity.

Take for example the cost of taxes. For the amount of deposits above Rp 7.5 million is usually taxed at 20% which will be deducted from the interest on the deposit profit at maturity. While under Rp 7.5 million is not subject to any taxes.

Banks have their own policies regarding the amount of fees charged to customers. So, find out so that you do not feel aggrieved when making decisions about the money deposited. 

6. Ease of deposit feature

The features offered by each bank are different. There are banks that offer Automatic Roll Over (ARO) or automatic renewal features and the interest rates can be withdrawn or transferred to other accounts. But, there are also banks that only offer ARO features only.

This difference is what should be observed carefully. Complete features will certainly make you more profitable when opening deposits even though they are not material. 

7. Manage cash flow well

Before opening a deposit, it is advisable to review the financial condition of each. Do not force yourself to open large deposits if later you do not have other deposits, such as emergency funds.

On the other hand, learning also overrides the costs associated with a consumptive lifestyle. For example, shopping, hanging out, or snacking. Instead of money running out for a moment's pleasure, it's better to collect, then put in deposits for long-term pleasure. 

Start Investing Early

Investing is closely related to risk, including deposits. However, risk is not an obstacle factor to starting an investment.

Especially behind these risks, there are a number of benefits that can be enjoyed, both for today and in the future. 

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Gold Investment: Choose Gold Jewelry or Bars

  It is no secret that gold is one of the most popular forms of investment and much in demand by all circles of society. The price is fairly stable and also tends to increase, being one of the main reasons for many people to invest in gold.

Gold seems to have become a charm in the world of investment, so that throughout the year it is never quiet from investment enthusiasts. If you become one of the people who have the desire to invest in gold, then you certainly understand well that this investment is commonly done in the form of gold jewelry or gold bullion.

Both types of gold certainly have their own characteristics and advantages, where you can choose which type of gold is most appropriate for the investment you will make. The selection of this type of gold will certainly greatly affect the value of your investment in the future, because it is very important for you to consider it from the beginning, so that the investment you will make can succeed to the maximum.

Most people certainly assume that investing in the form of gold bullion will be more appropriate and profitable. But if you are so attentive to the appearance and happy to use jewelry, then you may be much more interested in investing in gold in the form of gold jewelry. This will largely depend on your intentions and also the financial condition you have.

Whether gold in the form of jewelry or gold in the form of bars, both will provide different value in the investment you make. Consider some of the points below before choosing one of the two:

1. Determine What Your Investment Goals Are 

The first thing you should understand is about your goal to make the gold investment itself, do not let you choose wrong and do not get maximum profit in the future.

If your investment goal is long enough, then it's a good time for you to invest in gold bullion. Because gold in this form will have a more stable selling value when compared to gold in the form of jewelry that can follow the trend.

Know that you can spend a number of expensive manufacturing costs for a gold jewelry whose shape is fairly complicated, but when a few years later the jewelry is sold, some of the manufacturing costs you spend will not be calculated at the selling price.

2. Know the Latest Gold Prices on the Market

Also pay attention to the price of gold that applies in the market when you will make an investment in this form of precious metals. If the price is unstable and tends to go up and down over the past few weeks, then you should first delay the intention to make the investment.

Do not let you invest in gold when the price is soaring high, this will risk causing losses in the future if at any time you intend to resell it, especially if the price drops in the market. Check the price of gold today here.

3. Choose a Safe Place to Buy Gold 

This will be a very important thing for you to consider, especially if you intend to buy gold in the form of precious metals or jewelry. Do not let you buy fake gold or at a rate that does not match the price you pay, for that make sure you buy gold at a trusted gold place / store only.

Gold Bullion

Investment in the form of gold bullion is certainly still one of the most widely chosen to date, this is certainly one of the considerations for you for investments that you will do later. Gold bullion is considered an ideal form of investment made in the long term, because the resale price is fairly high and also stable.

The purity of gold bullion is also more guaranteed because every purchase made will be accompanied by a certificate that includes: id number, weight, size and level of content. This is certainly a consideration for you in choosing this investment, because some of the money you spend will be more guaranteed and you can invest with a sense of security.

But not everyone has easy access to invest in this form of gold bullion, especially with the price of gold that is getting more expensive every day.

To buy gold bullion or precious metals, you can buy it through official gold bullion sales services such as PT. Antam and PT. Pawnshop.

Currently buying gold bullion / precious metals can also be done online through Antam boutiques, pawnshops and ecommerce. But you still have to be careful and if you want to invest in buying gold online.

Gold Jewelry

Almost everyone loves jewelry, especially women, and that is one of the reasons why many people love investing in gold in jewelry.

In addition to investing, gold in the form of jewelry can be used as accessories that will add value to a person's appearance. Gold has a high value, so it is right to be used as jewelry in supporting the appearance.

Gold in the form of jewelry will also be much easier to obtain, when compared to gold in the form of bars. There are many gold shops that sell gold in the form of jewelry, not only in big cities, but these stores can even be found easily in almost all sub-districts that are quite far from the city though. 

Investment in the form of jewelry is still quite a lot done to date, although it may not provide maximum profit. But still always be vigilant because there is a possibility for you to get fake gold jewelry on the market.

Moreover, not everyone has expertise in measuring the level of gold they buy. For that it will be very important for you to consider well the place where you will buy the gold jewelry, always carefully the amount of gold you buy, so that you do not experience a number of losses on the investment you make.

Gold in the form of jewelry will also be charged a number of manufacturing costs that are quite large. Unmitigated, the amount of this manufacturing cost ranges from 10%-20% of the value of gold itself. In fact, some famous jewelry stores do not hesitate to apply a number of manufacturing costs that range from 30% to their jewelry.

Remember yes, some of the manufacturing costs charged by the jewelry store will not be calculated when you resell the gold jewelry you have. That is, the jewelry store will pay a sum of money that corresponds to the selling value of gold jewelry only, where it is only calculated based on the weight and content of gold and also the prevailing gold market price at that time.

Of course, when sold again, you will lose some of the money you have paid as the cost of making the gold jewelry you buy.

To overcome this, always consider choosing a type of jewelry that is not too complicated, because the more complicated a jewelry, the higher the cost of making it.

Do not let you pay a number of expensive manufacturing costs, while a few months later you resell the jewelry at a price that is certainly much lower than the purchase price you spend.

Start investing in gold.

Until now, investment in the form of gold is still one form of investment that is widely chosen by all circles of society. Whether investment in the form of gold bullion or gold jewelry, both will certainly have their own advantages and disadvantages.

If you have a large enough amount of funds and aim to make long-term investments, then gold bullion is worth making an option. Whatever gold investment options you will make, it will be very important to pay attention to the main purpose of the investment itself, so that the benefits of the investment can be maximized in the future.

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Investments for Seniors Who Want to Have Inheritance Savings for Children and Grandchildren

  Getting closer to old age, many of you have started to think about how to save for the future provisions of children and grandchildren in the future aka inheritance or it could be for other interests in the next few years.

As is well known, at old age there are not many activities that can be done including activities to make money or installment assets. The factor can be because the body is not able to move as before and the limited choices that can be done safely and comfortably for the elderly.

But take it easy, others can be limited but not for investment. By investing you no longer need to be confused how to allocate some pension funds or current income to things that can be saved, managed and even developed again to be used as provisions for the future of children and grandchildren or for other ideals.

Here are the types of investments that are suitable for parents who have entered the elderly (elderly):

1. Deposit

Deposits have become a common choice for saving money with various term and interest offers. Different banks are also different in the amount of interest. But for the period of time itself varies there are only monthly counts there can be up to decades. It all depends on your needs.

In addition, you can also have more than one deposit either from the same or different bank. For those of you who want to have a deposit. Now the choice of deposits via online also began to offer its own various benefits and of course it is also easy to be practical.

2. Gold

As one of the oldest investment instruments, many people still consider gold to be the safest and lowest risk investment. And that assumption is true.

With the wide variety of types of investments that have existed today, gold or precious metal investments still remain relevant and a favorite of many people today. This means that utilizing gold as an investment in old age is also the right decision. Be it gold antam/bullion or gold jewelry.

3. Unit Link Life Insurance

Unit link insurance is a type of insurance that combines two financial products, namely insurance and investment products.

Unit link insurance products have 2 benefits at once, namely protection and investment in one policy. With this, you as a customer because there is no need to mess around managing investment funds and protection funds separately.

Simply with this one insurance product, you can have life insurance that can be claimed and the funds can be given to children or grandchildren, as well as investment funds that can be claimed at any time and can also be claimed by heirs.

4. Mutual Funds

Mutual funds are a collection of funds that are managed to make investments such as buying stocks, bonds and other financial instruments.Take it easy that all mutual fund activities have been supervised by the Financial Services Authority (OJK) so you do not have to worry in choosing mutual fund investments.

In addition to being safe, mutual funds are also suitable to be investments for those of you who have minimal capital and want low-risk investments.

As one of the investment alternatives for the financier community, especially small financiers and financiers who do not have much time and expertise to calculate the risk on investments. Of course, it is not wrong to say mutual funds are the most appropriate choice as an investment product of all circles, including the elderly.

Mutual funds themselves have 4 types of investments that can be studied first to find out which one best suits the needs. That is:

• Money Market Fund
• Fixed Income Fund
• Mixed Mutual Fund (Balance Mutual Fund)
• Stock Mutual Fund (Equity Fund)
  

5. Shares

Stocks are investment instruments that can be said to be quite easy to learn and can also provide the most profits. In addition, you yourself can choose what type of stock you want to invest in. Whether it is stock investments with short- or long-term goals, companies engaged in food or other fields.

Especially now want to invest in stocks is not as difficult as it used to be where all the information about various companies listed to invest in stocks can be searched easily on the internet.

So for those of you who do not stutter technology can be easier in accessing company profiles more clearly with the internet.

Make sure the budget for everyday is safe before investing.

Investing wisely is investing with cold money, aka money that has been devoted to investing in the form of remaining money after the daily costs have been posted. Do not let because investing you even make it difficult to live alone.

It's best to prepare a planned financial strategy and be realistic. So that the investment is well managed and the hope if he dies, you can give an inheritance to children and grandchildren or if it is long, let's say 75 years then you are still able to meet your own needs from the investment results.

You can set aside about 5-10% of your income or pension to be used as an investment fund, but the allowance is adjusted after more priority things are available. So remember, invest when there are funds left over, not force and reduce costs that are already a top priority.

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8 Mistakes Freelancers Make Most Often

  Interested in becoming a freelancer or freelancer? Don't worry, because the opportunity is wide open for you. There are several companies that need the services of freelancers to optimize product marketing activities.

Although the job opportunities are great, being a freelancer is not as easy as it seems. Because this job has a number of risks to watch out for.

Not a few freelancers who eventually stop working because they make the following mistakes. Those of you who are interested in becoming a freelancer better avoid it, yes!

Here 8 Mistakes Freelancers Make Most Often

1. Ignoring employment contracts

Just like when working as an employee, you need an employment contract if you want to pursue a career as a freelancer. An employment contract is valid proof that you are part of a company, even if you do not have an official position.

Although the client is your own best friend, you must ask for an employment contract that contains about your duties, responsibilities, and rights as a worker. If there is a problem, you can file a complaint with the authorities later.

2. Lack of understanding of the working system

If the client is more than one, try to understand the working system on each client. How much work to do and the time frame to do it. So, you know where to start so that the work is completed according to the deadline or sooner.

If you meet the specified system qualifications, the client is willing to use your services again in the future. As a result, you have one client who provides a steady source of income for at least the next few months.

3. Not understanding the nature of the client

Before signing an employment contract, you should try to understand the nature of your clients. Is the typical client a person who demands perfection while working, flexible, or what? It is important that you know to put yourself at work, so that the results given are as expected.

Do not let you neglect to recognize the nature of the client that makes you even eat liver and uncomfortable in the future. Remember, you have signed an employment contract, so you can't go out at will if it turns out that the client is not in fit with your nature.  

4. Difficult material

Don't think being a freelancer is good. The work material must be tailored to the needs of the company, so that each month can complete different materials. Unfortunately, if you get difficult material, it means that the effort to do it is greater and time-consuming.

However, you can't do anything but finish it. Keep the lazy nature because there are deadlines that must be pursued. Not to mention if you can offer to work on other materials from different clients. 

5. Fees that do not match

If the set rate is too expensive, there is a possibility that your services are not used by the company. Because, many other freelancers who offer a lower rate with work that is no less good when compared to you. If you do not get clients, you will have difficulty meeting the needs of life. 

If in fact you have just pursued a career as a freelancer, it's okay to be paid cheaply as long as it still makes sense. If you have experience, you can set a higher rate. The point is to be patient and continue to improve the quality of work to gain the client's trust.

6. Not giving news

As far as progress, it should be reported to the client as proof that you are indeed doing the task. For example, of the 2 projects given, which projects are approximately completed or are still on progress. For those who have finished, you can submit so that clients can review.

If you do not give the slightest news, there are clients who are looking and consider you to be running away from responsibility. Do not let because of small things, you even lose the trust of clients and are fired, yes!

7. Waiting for the ball to come

The point is not to wait for the client to come to you. As a freelancer, you also have to actively look for opportunities considering the number of competitors who want to work on the project.

Don't hesitate to register yourself on freelancers' work platforms or offer to work on a project on social media. Who knows if your luck is good, you can get a lot of offers. The money is good enough to make ends meet, right?

8. Forgot to save

As a freelancer, you don't have to think about clothes, shoes, transportation costs, and lunch. Because, the most needed is a computer, smartphone, internet network, and a comfortable place to work.

Even so, you should not forget to save considering your income that does not settle every month. Set aside a small amount of income for an emergency account. Maybe there are urgent things, you are not confused to find the source of funds. 

Minimize Errors While Working

The name of work is never free from mistakes. But, at least you can minimize the potential for mistakes by learning from mistakes that have happened in the past. Thus, the mistake does not hinder your chances of becoming a great freelancer in the future.

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  Some of you must have felt paying online shopping, tuition, college, and saving directly to the bank teller. This is an old way that is still done for some people. But there are also many people, especially customers who use digital banking for all banking affairs, both for transactions, transfers and so on.

The presence of digital payment services certainly benefits the public, not even a little addicted to using it. For those who until now have not used digital banking, here are some things that will make you addicted to using digital banking that you can consider.

7 Things That Make You Addicted to Using Digital Banking

1. Easy

Digital payments make it easier for human work. No need to go to the bank, wait in line for hours just to get the service needed. Just download the application, then all types of transactions are in order. You can transact anytime and anywhere while you have the application, smartphone is adequate, and connected to the internet. 

With this digital service, you can avoid fines due to late payments. Are you sure you still don't want to use it?

2. Complete features

Besides being easy, the features provided by digital payment services are also quite complete. Starting from transferring money, checking balances, checking accounts for the past month, and opening a new account. 

If you have installments, you can take advantage of the digital banking feature to set the payment date. When the payment is due, the balance will be deducted automatically.

This feature can be enjoyed if you have registered in the application. Registration is done once by following the steps provided.

3. Interesting promo

Some banks also often hold attractive promos and sweepstakes through digital banking applications. Call it cashback, prize draws, or promos for direct deductions when paying bills. The benefits that may not be obtained if you still use manual services.

Promos are usually held usually have their respective terms and conditions in accordance with the bank's policy. It's best to read carefully who knows you meet those criteria.

No need to worry, the information provided while participating in the lottery is ensured safe. The bank itself is very guarding information about customer data. 

4. Automatic updates

Another advantage that can be obtained is the existence of automatic updates. Usually there will be a notification to update the application on the smartphone used.

Updates are usually intended to add features for customers, so digital transactions are getting easier. In addition, to improve the security of digital service systems so that customer data is not easily broken into by hackers, reduce bugs to speed up application performance.

Updates can be done automatically when the smartphone is connected to the internet. Make sure your internet quota is always there to enjoy the benefits of this digital transaction, yes!

5. Directly integrated with e-commerce

Shopping online is becoming one of people's lifestyles today. In addition to easy and fast, there are also various interesting discounts that are of course a pity if missed just like that. 

Fortunately again there is now digital banking that will facilitate all online shopping transactions. Starting from manual transfer, virtual account, and one click. You can choose one of them, so that the purchase can be immediately processed by the e-commerce concerned.

You don't have to think about administrative fees when transferring payments. As long as the selected bank is the same, the transaction will be exempt from any fees.

6. Proven environmentally friendly

As reported from the National Geographic page, there are 1.3 billion tons of garbage on the beloved earth. You can imagine what the earth will be like in the next few years if people do not take any action.

Fortunately digital payments are here to save the earth. At least with digital banking, the production of waste in the form of paper is reduced slowly because there is no paper used to transact. Successfully or not, you can see directly in the banking application or can also get SMS banking if the application is integrated with this feature. 

7. High mobilization

The presence of digital banking automatically changes people's behavior in transacting, which used to have to go to the bank now can be at home or anywhere. This makes the mobilization of the community in transacting higher and automatically affects the turnover of money in the bank.

Even so, every transaction made must be based on careful consideration. Do not let because you have got all the convenience, you are even rash in using digital banking facilities. Digital payment services are just a tool to make your work easier. So, do not misrepresent the ease because this can affect your financial condition.

Keep Your Digital Banking Security

Considering fraud cases are increasingly rife, it is important to maintain the security of your digital banking. The trick is to maintain the confidentiality of access codes and transactions, so that your digital payment application is not misused by others. Do not also carelessly lend your smartphone to others, especially when digital banking services are still active.
 

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Choose Mortgage Fix or Floating

  In a loan, debt, or credit, there is usually such a thing as interest rates. Credit interest is an additional fee that must be paid by the debtor, in addition to the principal installment value.

This credit interest applies also to mortgages (Home Ownership Loans). Also called mortgage rates. The amount of mortgage rates has been determined by the bank. It will usually follow the benchmark interest rate of Bank Indonesia (BI).

If the benchmark interest rate rises, mortgage rates go up. And if BI's benchmark interest rate is cut, the impact of mortgage rates will also fall, although there is a time lag for banks to adjust.

No wonder, interest rates become one of the considerations of many people buying mortgage homes. That's because, the interest rate will affect mortgage installments every month.

Therefore, people will definitely look for mortgage homes with low interest rates. The goal is to make the installments lighter. This is also what employees and civil servants (PNS) are looking for.

Types of Mortgage Rates

If you want to apply for a home loan, you need to know the types of mortgage rates that apply in Indonesia, among others.

1. Fixed Mortgage Rate

As the name implies, the prevailing mortgage interest rate is fixed or unchanged. You will pay the same amount of interest during the agreed period.

For example, it has been determined that the mortgage interest rate is 13% over a tenor period of 15 years. So, even if BI raises or lowers the benchmark interest rate, what you pay remains 13% interest.

Example:

Set tenor 20 years, installments per month Rp 5 million, interest Rp 1 million per year. So during that period, the value of interest paid remains Rp 1 million.

2. Floating Mortgage Rate

The amount of mortgage interest that must be paid by the debtor can vary. Adjusted for changes in bi and bank benchmark interest rates.

For example, if the beginning of the installment or the first year starts with 8% mortgage interest. Then in the second year, BI cut the benchmark interest rate, so the bank helped lower the mortgage rate to 5%.

It turns out that in the fourth year, there is another adjustment from BI by raising the benchmark interest rate. The bank also raised the mortgage rate to 7%.

3. Fixed mortgage and Cap interest rates

The type of fixed mortgage interest rate that does not change or the same for certain periods. And after the fixed interest period ends, floating interest rates apply, but with the amount not exceeding the cap interest rate.

For example, mortgage rates are fixed at 5.8% for 2 years, 6.5% fixed 3 years, and 8.75% for 5 years. If the fixed rate period has expired, then the floating interest rate applies,

This restricted floating interest for example banks offer cap interest of 12%. It is volatile, but the maximum remains 12%.

If the benchmark or bank interest rate raises to 13%, the interest cap that applies to you is limited to 12%. If it drops to 11%, the interest rate you get is not 12%, still 11%.

Civil Servants and Employees Are More Profitable To Choose Which Mortgage Interest?

Each mortgage rate has advantages and disadvantages. Maybe for some people, fixed interest is more profitable because it can provide certainty.

Worried that the policy of tightening liquidity or tapering off imposed by the U.S. Central Bank, will have an impact on bi's benchmark interest rate.

But there are also those who choose floating interest rates because they consider economic conditions. Where currently the trend is low interest rates, the economy has not improved, so there is still the potential for a rate cut.

Well, what about employees and civil servants? Should you choose which mortgage interest?

• Civil servants and employees should choose fixed mortgage rates with the longest period
• Civil servants and employees both get monthly salaries, so income is more stable. The number can even rise with the percentage of inflation plus economic growth, about 9-10% each year.
• But if you have a goal to pay off your mortgage early, choose a fixed interest rate that is not too long.
• For example, the fixed interest rate is set for 10 years, while you have a plan to accelerate the repayment of mortgage debt to 8 years only. Then you can choose fixed flowers for 8 years.
  

 Calculate Mortgage Rates Before Deciding

Banks must be competing to offer mortgages with various mortgage interest schemes. It seems that with the scheme, the flowers given are very cheap.

But not necessarily so. So, make sure you count the overall interest offered. Is it really cheap, or higher?

Most importantly, choose a mortgage interest scheme or its magnitude that is in accordance with financial capabilities. Because this also concerns the value of installments that you have to pay every month.

 

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Insurance for single parent

  Protecting and meeting the needs of a family alone as a single parent is not easy. In addition to no one to be invited to discuss various things, single parents are also required to be able to have the ability to provide what is desired and needed by the family as well as those who still have a partner.

Difficult? Of course, but that doesn't mean you can't. Now all the needs even until the preparation for the future can be easily fulfilled. One of them is to have insurance.

Do you have a single parent?

Why is it mandatory for single parents? The answer is insurance is important for everyone, including single parents. Because insurance can help single moms / dad in covering costs for some needs such as children's education costs also include emergency situations such as treatment and hospitalization when sick and also compensation for children when they die.

More clearly, here are what types of insurance single parents should have to protect personal and family finances:

1. Life Insurance

In simple terms, life insurance is a type of insurance that aims to cover a person or family against unexpected financial losses due to the insured's death. In addition, there are some life insurance products that can even cover debts borne by their customers so that family members who are left behind do not need to bear it.

Because the benefits of life insurance itself are the main thing is to be able to protect the insured from various forms of disaster risk that may occur in the future. For example, the head of the family died as a result of an accident or any cause that caused loss of livelihood.

Single moms / dads can consider buying life insurance is another alternative in saving to be passed on to children or grandchildren later.

2. Health Insurance

Health insurance is a type of insurance product that specifically guarantees the health or care costs of insurance customers if they fall ill or have an accident.

So with health insurance, you single parents no longer need to worry about impromptu costs for treatment and hospital stays if there are family members who are sick or have an accident. All costs are covered by insurance.

You just need to find an insurance product that fits and suits the needs of the family. Do not forget to choose health insurance products with a cashless system so that you can be directly served without having to prepare funds in advance.

3. Education Insurance

In addition to health, the preparation must also be good, especially in terms of costs, is children's education.

According to research, the average increase (inflation) in the cost of education is 10-15% per year in Indonesia. With this high increase, of course, parents are required to be able to prepare it carefully so that the ideals of the baby can be achieved well because their educational needs are well met.

For that reason, so that constraints on the preparation of education costs can be minimized as little as possible education insurance becomes an important element that must be in the planning of preparation of education costs of each parent.

Education insurance is a type of insurance that provides protection for children's education in the future accompanied by investment. Another reason why it is important to have education insurance is because the cost of education continues to increase.

The main benefit of education insurance is that it can make parents have enough savings to pay dues when children enter school. In addition, there are insurance companies that continue to provide a living in the event of risks such as layoffs, accidents to disability until death.

4. Vehicle Insurance

For single mom / dad who has a private vehicle, of course, must have vehicle insurance. The point is of course to protect finances from unexpected events that can happen to your vehicle. Especially if the vehicle is used actively such as working and dropping off school children.

By having vehicle insurance, you no longer need to worry about creating an expense post or emergency fund for vehicle repair costs when it is damaged because the cost is already covered by insurance.

Have Insurance, Perfect Financial Planning

Sound finance is finance that has an insurance element in it. Maybe now the cost of monthly insurance premiums seems to be a burden in your current expense post.

But that can change instantly when risk occurs, where insurance becomes the main tool in protecting finances from bankruptcy and waste to cover costs that should come out when risk occurs.

So don't delay well to buy the insurance.

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