r/finansial

30M here, kerja 7 taun terakhir di bidang IT, recently unemployed

punya sekitar 650jt (80% US ETF, 10% deposito, 10% cash), belum ada rencana untuk kerja kantoran lagi at least beberapa bulan ke depan

mau coba beberapa hal lain dulu tapi belum tahu apa (bisnis, mentoring, built a startup, ngoprek AI, etc ?), kalau bisa yang sekalian ngasilin duit

kalau kalian di posisi gw, what would you do?

*note:
- skill di IT (fullstack) dan data,
- duit yg bisa dipake buat “eksperimen” mungkin di 200-300jt
- single, belum ada tanggungan, free
- merantau dan sekarang ngekos, biaya hidup per bulan sekitar 6-8jt all in

Setelah krisis 1997 1998, BJ habibi naik menjadi presiden, rupiah menguat dari sekitar 16.000 menjadi sekitar 6.500. Apa langkah BJ habibi waktu itu? Apakah memang win win solution atau itu zero sum game yang harus ada yang dikorbankan?

Apakah langkah yang sama bisa digunakan sekarang?

Deket rumah gw banyak bermunculan rumah2 baru 3lt di harga 3 - 6 miliar. Belum lagi kalau liat2 iklan atau youtube rumah2 banyak banget yg harga belasan M. Navapark BSD 50M sold out.

Dengan kondisi makro yg banyak isu negatif gini, apa gw doang yang bingung ini kok banyak banget orang2 banyak duit yah.. cicilan rumah 30-50jt per bulan bisa 20thn kok kyknya pada bisa2 aja bayar yah.. yang bisa beli rumah2 kyk gini apakah pekerja atau semua pengusaha kah?

I'm tired dikejer debt collector Bank Mega terus. For context, Bapak saya hutang ke Bank Mega. Sepertinya di tahun sekitar 2018-2020. Saya gak tahu persis. Nominalnya juga gak tahu, tapi sepertinya < 200 jt. Bank Mega sudah dari lama nagih ke saya. 2 tahun lalu ngancam mau datengin kampus saya. Baru2 ini, ngancam mau datengin kantor saya. Bad luck karna saya baru update LinkedIn akhir2 ini, jadi mereka tau. Harus gimana ya? Mungkin gak mereka beneran ke kantor? Since kantor gue bukan korporat gede jd kayak gue gamau ini sampe jadi besar. Nanti ribet dan malu2in dan pasti sekantor tau.

Kondisinya saat ini ada tiba2 yang chat saya. Saya gak tau tapi namanya siapa. Dia gak mau sebut nama. Get Contact nya bersih. Cuma klaim kalo dia pihak eksternal Bank Mega. Saya lebih takut bnrn disamperin kantor terus dikuntit sampe kos, soalnya kos sama tempat tinggal saya gak terlalu jauh dan saya cewek. Dia neken terus mau nomor HP Bapak saya (baru ganti), Bapak saya bilang suruh ke rumah aja. DC bilang lagi harusnya Bapak saya yg datang ke kantor. Haduh pusing deh. Psychologically saya merasa gak harusnya kasih no HP Bapak saya ke dia, biar gak kesannya saya bisa ditekan dan give in. Harus ngapain ya?

EDIT: Utang bapak saya cuma 30an juta. Bank Mega gamau dicicil. Mereka mau lunas. Bapak saya gamau. Dia lagi cicil ke bank lain juga soalnya in progress tahun ini.

Bapak saya ngotot gamau ke bank langsung karna kalo ke bank harus bayar pokok, dia mampunya nyicil dari keringanannya. Bank gak mau

So ada rencana nyimpan duit untuk kebutuhan kedepan kira2 jumlahnya di range 20-30jt, duit ini tambahan dari keluarga untuk bantu kembangin karir/ pendidikan walau saya jujur kemungkinan pakai masih di tahun2 kedepan jika (*note saya sdh bekerja) ...

Saran keluarga hanya simpan di bank (mereka bener² ngak bisa manage sendiri), is there other choices? Deposito rupiah atau asing atau lempar ke reksa dana?

Hi everyone, I succesfully setup my IBKR account and now wondering where should I invest my money.

My initial plan was to put around $100 into 3 ETFs: CSPX, QQQM, and SCHD. But after trying to buy one ETF, I realized there are some fees involved. The fee itself is not huge, but after adding currency conversion, transfer fee, and investing fee, it starts to feel like my beer money disappearing 😅

So now I'm thinking maybe I should just focus on one ETF first to save some money from the fees.

For context, I'm Indonesian currently earning in NTD. I convert NTD to USD using Wise before sending it to IBKR. This investment is for long term.

Would appreciate any advice from people in similar situation. Thank you!

Hi ol, aku punya emas 1g dan tagihan CC sekitar 12jtan. Agak shiok liat tagihan CC yang makin nambah, alhamdulillah-nya tahun ini ada tambahan pemasukan jadi at least gue bisa hold ga pake CC sambil ngelunasin. Rencana pengen jual emas biar cepet lunasin dikit, tapi lagi kayak gini oke ga ya kalo dijual? Kebetulan ga punya tabungan samsek karena terseok-seok ngelunasin CC. Mohon advice kakk huhuhu, makasih.

ada bank digital atau platform untuk menerima pembayaran dari wepay & alipay tapi personal account? coba search di google kebanyakan harus bikin merchant account.

untuk menerima payment freelance, user dari china dan paypal katanya di block disana

Ini mungkin sebuah curhatan gw dan mungkin pengen tau pendapat orang lain aja. Sekarang gw kerja fulltime sebagai Blockchain Engineer, punya website yang sudah jalan cukup baik, dan juga jadi Android developer indie. Jadi bisa dibilang ada 3 hal yang jalan bareng sekaligus.

Fulltime tentu buat jaga kestabilan hidup dan keamanan finansial, sedangkan website dan aplikasi lebih ke usaha buat nambah income sekaligus ngebangun sesuatu yang mungkin bisa besar di masa depan. Dan jujur gw happy ngejalanin semuanya karena ada rasa puas waktu lihat project berkembang dan menghasilkan.

Cuma makin ke sini kadang badan mulai capek juga. Habis kerja fulltime masih lanjut mikrin bug, update fitur, analytics, marketing, server, dan lain-lain sampai malam. Bukan karena gak suka, tapi karena semuanya menarik buat dikerjain jadi susah berhenti sendiri.

Menurut kalian, lebih baik fokus ke yang paling potensial dan dijaga biar makin besar, atau selama masih sanggup lebih baik bangun banyak income stream sekaligus? Gw penasaran sama sudut pandang orang yang pernah ada di fase kayak gini, terutama soal finansial, bisnis, dan sustainability jangka panjang.

Hi, aku sebelumnya pernah post soal PHK.

Jadi aku menerima 2 dokumen terpisah:

1. Surat PHK/termination letter
2. Surat keterangan bekerja yang menyatakan bahwa aku resign.

Yang jadi pertanyaan:

• Secara legal/administratif, status keluarnya sebenarnya dianggap resign atau PHK ya?
• Saat background check untuk rekrutmen berikutnya, biasanya yang dipakai/acuan HR itu yang mana?
• Kalau ada HR atau recruiter di sini, apakah surat keterangan kerja yang menyatakan resign biasanya lebih dianggap sebagai status official employee exit?

Mohon insight-nya terutama dari yang pernah handle background check/rekrutmen. Terima kasih.

Assuming not from top 3, jadi pure liat dari majornya.

Which one is the best (like from the security, how reliable it is, gimana di masa depan, gimana keadaan sekarang, ROI, dsb)

Sebenarnya bisa liat Tracer Study, tapi dari kebanyakan yang gw liat paling baru dari angkatan 2018, yang harusnya lulus sekitar 2022/early 2023. Dimana AI advancement belom sebesar 2024, which definitely make a difference.

Universitas Pelita Harapan (UPH)

Uang Sekolah: IDR 220,000,000

Living Costs: IDR 5,000,000/month

IDR 240,000,000/4 years

Total: 460,000,000

Sunway University

Uang Sekolah: MYR 162,420 (IDR 723,950,940)

Dual Awards with Lancaster University (UK)

Living Costs: RM 2,000/month

MYR 96,000/4 years (IDR 427,898,592)

Total: IDR 1,151,849,532

South-east Asia has been ground zero for the global energy crisis since the US and Israel attacked Iran two months ago. Low domestic oil production, a paucity of reserves and heavy dependence on imports from the Gulf have left the region painfully exposed, prompting governments to take dramatic rationing and demand destruction measures. 

The Philippines, which depends on imports to meet 95 per cent of oil needs, has been under particular scrutiny. In the wider Asian neighbourhood, some investors have also become a little worried about India, with even Narendra Modi now having to ask his citizens to limit energy usage, overseas flights and gold purchases to help the country preserve its foreign reserves.

However, that seems to have taken attention away from Indonesia, the ASEAN region’s economic giant and thus a much larger threat to global stability. Indonesia has actually seen its currency fall more sharply against the dollar than any other major ASEAN currency but the Philippine peso, and on par with the slump in the Indian rupee. 

Yields on its sovereign debt have also soared, forcing the government to announce an emergency bond stabilisation fund in a bid to stop the rout. 

Unlike the Philippines, Indonesia’s problems are almost completely of its own making: a fuel subsidy regime that is a relic of Indonesia’s days as an oil exporter and OPEC member. This keeps prices for petrol and diesel among the lowest in the world, even though the country is now a major importer.

When oil prices jump as they have in recent months, that leads almost inevitably towards a fiscal crisis. Indeed, you could easily argue that Indonesia’s fuel subsidy regime is a candidate for the worst ageing in the world.

The recent sell-off in Indonesian bonds was prompted by a promise by the finance minister at the start of April that gasoline prices would not budge from the current rate of $0.60 per litre, which is around half of US prices and far below what the state energy company Pertamina pays to get products to the pump. 

(NB, in case you click on that link you’ll see that Global Petrol Prices gives Indonesia’s price as $0.72. That’s because it compares global prices for high-quality Octane-95 gasoline. Indonesia’s benchmark fuel is Pertalite, an Octane 90 fuel, which has been sold at 10,000 Indonesian rupiah since 2022, or around $0.60.)

Instead, Indonesia’s finance minister has promised to spend an additional $5.9bn on energy subsidies this year, on top of $22.5bn allocated last September, which was already almost 10 per cent of the 2026 budget. To fund this, he promised aggressive — and potentially unrealisable — 10 per cent cuts across government ministries, but still acknowledged the 2026 deficit would be far higher than forecast. 

The promise of spending cuts was not enough to reassure bond investors, who still remember 2022. The last time Brent prices topped $100 per barrel, Indonesia spent a gigantic $35bn subsidising oil demand alone (ignoring all other energy subsidies). That was second only to Iran, according to the IEA’s database of fossil fuel subsidies, which looks at the gap between published consumer prices and market rates. 

Looking only at net oil importing nations — those for whom the IEA says domestic crude oil production is less than 100 per cent of total crude supply — Indonesia’s 2022 oil subsidy was by the far the largest as a share of GDP, and many orders of magnitude greater than India or China, whose larger economies and government budgets can sustain more spending. 

And here’s the crucial point worrying investors. Indonesia’s colossal $35bn outlay on oil subsidies in 2022 came even after the then government raised fuel prices by up to 30 per cent to limit damage to public finances. Pump prices have not been increased since then, and throughout April Indonesian ministers have reiterated the promise that they will not.

The alternative, the finance minister told Bloomberg, would be civil unrest:

If we remove the subsidies, inflation will increase, the cost of capital will increase . . . There will be more protests on the streets, which will lower economic growth quite significantly. It’s a very risky policy.

On the measure of inflation alone, the price fix has been a success. Indonesia’s yearly CPI was just 2.4 per cent in April, compared to 7.2 per cent in the Philippines. But fixed prices are worsening Indonesia’s crisis in other ways. 

With gasoline still at 60 cents per litre — and falling in dollar terms as the local currency, in which fuel prices are set, weakens — consumers have no price signal to reduce consumption. That undercuts the government’s otherwise desperate attempts to reduce demand and its spending on subsidies by limiting public sector working hours and how much fuel individuals can purchase each day.

The basic lesson of any subsidy regime is always: don’t start one. They distort demand and are politically incredibly difficult to exit.

Foreign currency reserves may allow Indonesia to defend its price cap through a prolonged closure of the Strait of Hormuz. But if the government fails to raise prices — as its predecessors did in previous oil crises in 2022, 2013 and 2008 — it may find investors less willing to support it even after the waterway reopens. 

One might even say that . . . Indonesia is at a crossroads.

Hai everyone, salam kenal,
baru baru ini saya ada prospect freelance project (web-dev), saya masih kurang faham tentang kewajiban administrasi, terutama dalam hal finansial nya,

berhubung yang akan mengambil projectnya adalah saya sendiri, orang pribadi, dan juga belum ada badan usaha

saya meminta tolong arahannya mengenai administrasi administrasi apa saja yang wajib saya lakukan atau berikan kepada client atau negara (tax, documents, dll)

terimakasih banyak atas bantuannya ya 😊

ini horror soalnya kursnya kalo pake jenius, baru sadar sekarang februari lalu waktu bayar tagihan dollar 16800 ini kena charge 17600 kursnya