Our Investment Approach

“Our guiding principle is at the heart of every strategy we build, plan we manage and solution we deliver. We believe that your goals are yours alone and that the only viable strategy is the one that most efficiently supports them.”

- BT Wealth Management .

As a BT Wealth Management Group client, you will benefit from a time-tested investment philosophy based on an integrity our clients have come to expect from one of the Northeast’s oldest and largest wealth management firms. Centered solely on your specific goals, we conduct our investment practices to ensure that we successfully meet your objectives. Our rigorous investment process combines diligence and focus with continuous client communication. In addition, our multidisciplinary team approach enables you to enjoy the simplicity of one trusted relationship supported by many resources.

Our Philosophy

• We believe that each client is unique.
• We manage risk; we do not avoid it.
• We focus on increasing after-tax returns.
• We are advocates of long-term investing.
• We believe success requires a defined process and a diversified portfolio.

Practices

• Each portfolio is crafted individually.
  Your financial advisor will bring you new investment ideas, suggestions and alternatives specifically based on your goals, desired returns and appetite for risk.
• We are measured on performance, not transaction volume.
  Unlike many firms, we do not succeed unless you do. This “shared success” principle ensures that our relationship will be built on a foundation of trust.
• We are singularly focused on investment strategy and asset management.
  This is our core business. We are not distracted by other activities and we never engage in any practice that could put our interests in conflict with yours.

• Contact BT Wealth Management

  To learn more, please e-mail us at wealthmanager@financier.com

“How Do You Envision Peace of Mind?”

Is it …

•  Relaxing on a beach?
•  Sailing on your boat?
•  Playing with your grandkids?

BT Wealth Management is an employee-owned, fcommission-fee-only personal financial advisory firm dedicated to our mission of “Partnering to Achieve Financial Peace of Mind”.

This partnership is not only with you, but also with your other professional advisors to ensure that your financial plans are implemented, reviewed and modified as needed. In addition, we partner internally delivering a team approach for your financial well-being benefiting this and future generations.

Whatever your Peace of Mind vision is… enjoy feeling good about your life and your finances.

CONTACT US

BT WEALTH MANAGEMENT

Raya Ketintang – Surabaya 60265 – INDONESIA

Tel. 62 81 2177 1819 •  62 31 72 52 1577

Focus on You and Your Needs

The essence of the BT Wealth Management Client Experience is to provide a framework that helps us consistently deliver the services you want to support your financial decisions.

We understand that wealth management is more than just the wide range of financial services and solutions you can access at BT Wealth Management— it is how those services and solutions are developed and delivered to help you pursue your goals.

That’s why we offer a customized approach to wealth management, built on a personal relationship and shaped by an understanding of your needs and aspirations. To help manage your wealth, we harness the advisory and investment brokerage capabilities of one of the world’s largest wealth management firms on your behalf.

Our structured approach to helping you pursue your objectives is based on findings from discussions with our clients, our Financial Advisors, and extensive market studies.

We discovered there are clear expectations:

• You would like us to listen to you, which is why we take time to understand you and your situation
• You expect approaches that suit your needs and objectives, which is why we propose customized solutions
• You want to be comfortable with your decisions, which is why after you agree, we leverage our global resources to implement your strategies
• You want to know how you are doing, which is why we periodically review your financial situation to discuss where you are and where you want to be

This is all part of the BT Wealth Management Client Experience — a process that continues throughout our relationship with you. At BT Wealth Management, financial relationships extend over a long time. Sometimes, a lifetime.

Asset Allocation

An investment strategy that aims to balance risk and reward by apportioning a portfolio’s assets according to an individual’s goals, risk tolerance and investment horizon.

The three main asset classes - equities, fixed-income, and cash and equivalents - have different levels of risk and return, so each will behave differently over time.

There is no simple formula that can find the right asset allocation for every individual. However, the consensus among most financial professionals is that asset allocation is one of the most important decisions that investors make. In other words, your selection of individual securities is secondary to the way you allocate your investment in stocks, bonds, and cash and equivalents, which will be the principal determinants of your investment results.

Asset-allocation mutual funds, also known as life-cycle, or target-date, funds, are an attempt to provide investors with portfolio structures that address an investor’s age, risk appetite and investment objectives with an appropriate apportionment of asset classes. However, critics of this approach point out that arriving at a standardized solution for allocating portfolio assets is problematic because individual investors require individual solutions.

Certified Financial Planner Salaries

Plan Your Financial Goals Or Get A Financial Planner To Help You!
[Certified Financial Planner Salaries]
Times are changing very rapidly that it is difficult to catch up. You can only survive in this competitive world if you are constantly paced with time. In a matter of minutes, you may lose your job, your money and your life will become miserable if you do have a concrete plan on your financial goals.

When you have a good financial plan, you can be rest assured that you will not be very affected in the event where you lose your job. with sound financial knowledge, you can also hedge yourself of being in a financial difficulties.

The best time to plan your financial goals is when times are good. When the economy is doing very well, you can plan your financial goals more effectively. In financial planning, you are mainly looking at the big ‘picture’. If you do not have the necessary skill in financial planning, you can always engage a financial planner. Just make sure that you financial planner is certified and comply with the law.

Firstly, you have to have a good risk planning. Risk planning is often overlooked as it is an expense in your balance sheet. However, risk management is essential as you cannot predict the future and you have to be proactive for any changes. Risk planning needs differ with the life cycle that you are in. at different life cycle, you have different needs; young/early career, mature/ household formation and career, prime years, nearing retirement and retirement.

Everyone knows that you have to have money to make more money. in order to make your money work for you , you have to have an investment planning. Do not be intimidated by the word investment, as a matter of fact, you have to appreciate the word investment and put in extra effort in learning how to have a good investment planning. Personally, I do not believe in short- term investment or short term investment gains as financial planning itself is a long term plan.

You also need to have a good tax planning so that you do not have to spend extra money on unnecessary taxes. An accountant can definitely give you this leverage.

The main gees of financial planning is retirement planning. Everyone will have to go through this phase of life and having a comfortable retirement years is very important. In Singapore, the government had implemented a compulsory savings just for retirement. If you are not living in a country whereby the government does not have a system for retirement, you really need to have good retirement planning. A certified financial planner will know the method to calculate how much you need to have for your retirement.

Estate planning is also very important. Although some may think that is a taboo, estate planning is a must have for anyone. The reason is very simple; you want to let your dependents inherit your wealth effectively without any extra expenses and rivalry. I urge everyone to have a good and updated financial plan because you will never know what lies in front of you.

An Accumulation of Riches

Little Things Mean A Lot
One of the greatest success principles of all is called the Law of Accumulation. This law says that everything great and worthwhile in human life is an accumulation of hundreds and sometimes thousands of tiny efforts and sacrifices that nobody ever sees or appreciates. It says that everything accumulates over time. That you have to put in many, many, many tiny efforts that nobody sees or appreciates before you achieve anything worthwhile. It’s like a snowball. A snowball starts very small, but it grows as it adds millions and millions of tiny snowflakes and continues to grow as it gathers momentum.

Learn What You Need to Learn
There are three areas where the law of accumulation is important. The first is in the area of knowledge. Your body of knowledge is a result of hundreds, perhaps thousands, of small pieces of information.

Any person with a large knowledge base has spent thousands of hours building that knowledge base one piece at a time. And what you see when you meet the individual is an expert in his or her field, with that high level of knowledge that makes him very valuable in the marketplace.

Save Your Money
The second area where the Law of accumulation works is with regard to money. Every large fortune is an accumulation of hundreds and thousands of small amounts of money, and the place to start is to take any amount of money that you can right now and begin to save it. When you begin to save money, it sets up a force field of energy and it triggers the law of attraction. As a result you begin to attract to you even more bits of money to add to your savings.

Never Worry About Money Again

Wouldn’t it be nice to never have to worry about money again? To be focusing on living the life you want to live instead of the daily grind?

YOU can have all of this.

I’ve created The Unbreakable Laws of Money Package to teach you the simple and easy-to-learn way to build your fortune and live the life you want to live.

I’m going to teach you the best ways to literally attract millions of dollars to you.

Attract Riches Into Your Life
I’ve spoken to many, many successful people and they’ve told me the same story. That as soon as you start to put savings aside, it starts to attract into your life and into your work all the money that you need to achieve your goals. The reason why most people retire poor is they never put the initial savings aside to start with.

Get the Experience You Need
The third area where the law of accumulation applies is in the area of experience. You’ll find that successful people in any field are those who have far more experience in that field than the average. And there is nothing that replaces experience. Whether it’s in business or entrepreneurship or management or parenting or selling or anything else. Many people do not take the risks that are necessary to move out of their comfort zone because they’re afraid it won’t work out.

Everything Counts
But the fact is that until you move out of the comfort zone and get the experience from making the mistakes, it’s not possible for you to grow and become capable of earning the kind of money that you desire. Now here’s the key to the law of accumulation. It says that everything counts. Everything that you do counts. The biggest mistake that people make is they think that only what they want to count, counts. When you read a book, when you listen to an audio program, when you go to a course, when you go to bed early and you get up early and you work, it all counts. And it’s all going on the plus side of your ledger.

Use Your Time Well
But when you watch television, waste time, hang out, fool around and so on, all of that counts, as well, and it’s going on the negative side. A person who has a great life, by the law of accumulation, is a person who’s accumulated far more credits on the credit side than debits on the debit side. And here’s an important point. If what you are doing is not moving you toward your goals, then it’s moving you away from your goals. Nothing is neutral. Everything that you’re doing is either moving you toward the things that you want to accomplish in life, the person you want to be, the wealth you want to accumulate, or it’s moving you away. Everything counts. The law of accumulation says that everything counts.

Action Exercises
Here are two things you can do immediately to put these ideas into action.

First, begin today to build your knowledge base in the subject that can be most helpful to you in achieving financial independence. Whether it takes a week, a month or a year to become thoroughly knowledgeable, it doesn’t matter. Just get started today.

Second, get as much experience as you can in your chosen field. Start a little earlier, work a little harder and stay a little later. Take risks and try every different way you can think of to achieve your goal. This experience is invaluable and it accumulates over time.

Financial Planning Practice Standards

Overview

Statement of Purpose for Financial Planning Practice Standards

Financial Planning Practice Standards are developed and promulgated by Certified Financial Planner Board of Standards Inc. (CFP Board) for the ultimate benefit of consumers of financial planning services.

These Practice Standards are intended to:

1. Assure that the practice of financial planning by CERTIFIED FINANCIAL PLANNER– professionals is based on established norms of practice;
2. Advance professionalism in financial planning; and
3. Enhance the value of the financial planning process.

History of Practice Standards
CFP Board is a professional regulatory organization founded in 1985 to benefit the public by establishing and enforcing education, examination, experience and ethics requirements for CFP® professionals. Through its certification process, CFP Board established fundamental criteria necessary for competency in the financial planning profession. Through its Code of Ethics and Professional Responsibility (Code of Ethics), CFP Board has identified the ethics standards to which financial planning professionals should adhere.

In 1995, CFP Board established its Board of Practice Standards composed exclusively of CFP® practitioners, to draft standards of practice for financial planning. The Board of Practice Standards drafted and revised the standards considering input from CFP® certificants, consumers, regulators and other organizations. CFP Board’s Board of Governors adopted the revised standards.

Description of Practice Standards
A Practice Standard establishes the level of professional practice that is expected of CFP Board designees engaged in financial planning.

Practice Standards apply to CFP Board designees in performing the tasks of financial planning regardless of the person’s title, job position, type of employment or method of compensation. Compliance with the Practice Standards is mandatory for CFP Board designees, but all financial planning professionals are encouraged to use the Practice Standards when performing financial planning tasks or activities addressed by a Practice Standard.

Conduct inconsistent with a Practice Standard in and of itself is neither intended to give rise to a cause of action nor to create any presumption that a legal duty has been breached. The Practice Standards are designed to provide CFP Board designees a framework for the professional practice of financial planning. They are not designed to be a basis for legal liability.

Practice Standards are not intended to prescribe the services to be provided or step-by-step procedures for providing any particular service. Such procedures may be provided in practice aids developed by various financial planning organizations and other sources.

Practice Standards were developed for selected financial planning activities identified in a financial planner job analysis first conducted by CFP Board in 1987, updated in 1994 by CTB/McGraw-Hill, an independent consulting firm, and again in 1999 by the Chauncey Group.

Format of Practice Standards
Each Practice Standard is a statement regarding an element of the financial planning process. It is followed by an explanation of the Standard, its relationship to the Code of Ethics, and its expected impact on the public, the profession and the practitioner.

The Explanation accompanying each Practice Standard explains and illustrates the meaning and purpose of the Practice Standard. The text of each Practice Standard is authoritative and directive. The related Explanation is a guide to interpretation and application of the Practice Standard based, where indicated, on a standard of reasonableness, a recurring theme throughout the Practice Standards. The Explanation is not intended to establish a professional standard or duty beyond what is contained in the Practice Standard itself.

Compliance with Practice Standards
The practice of financial planning consistent with these Practice Standards is required for CFP Board designees. Enforcement is based on the disciplinary rules and procedures established by CFP Board and administered by CFP Board’s Board of Professional Review and Board of Appeals.

Developing and Presenting the Financial Planning Recommendation(s)

The 400 Series, “Developing and Presenting the Financial Planning Recommendation(s),” represents the very heart of the financial planning process. It is at this point that the financial planning practitioner, using both science and art, formulates the recommendations designed to achieve the client’s goals, needs and priorities. Experienced financial planning practitioners may view this process as one action or task. However, in reality, it is a series of distinct but interrelated tasks.

These three Practice Standards emphasize the distinction among the several tasks which are part of this process. These Practice Standards can be described as, “What is Possible?,” “What is Recommended?” and “How is it Presented?” The first two Practice Standards involve the creative thought, the analysis, and the professional judgment of the practitioner, which are often performed outside the presence of the client. First, the practitioner identifies and considers the various alternatives, including continuing the present course of action (Practice Standard 400-1). Second, the practitioner develops the recommendation(s) from among the selected alternatives (Practice Standard 400-2). Once the practitioner has determined what to recommend, the final task is to communicate the recommendation(s) to the client (Practice Standard 400-3).

The three Practice Standards that comprise the 400 series should not be considered alone, but in conjunction with all other Practice Standards.

400-1: Identifying and Evaluating Financial Planning Alternative(s)
The financial planning practitioner shall consider sufficient and relevant alternatives to the client’s current course of action in an effort to reasonably meet the client’s goals, needs and priorities.

Explanation of this Practice Standard
After analyzing the client’s current situation (Practice Standard 300-1) and prior to developing and presenting the recommendation(s) (Practice Standards 400-2 and 400-3) the financial planning practitioner shall identify alternative actions. The practitioner shall evaluate the effectiveness of such actions in reasonably meeting the client’s goals, needs and priorities.

This evaluation may involve, but is not limited to, considering multiple assumptions, conducting research or consulting with other professionals. This process may result in a single alternative, multiple alternatives or no alternative to the client’s current course of action.

In considering alternative actions, the practitioner shall recognize and, as appropriate, take into account his or her legal and/or regulatory limitations and level of competency in properly addressing each of the client’s financial planning issues.

More than one alternative may reasonably meet the client’s goals, needs and priorities. Alternatives identified by the practitioner may differ from those of other practitioners or advisers, illustrating the subjective nature of exercising professional judgment.

Effective Date
Original version, January 1, 2001. Updated version, January 1, 2002.

Relationship of this Practice Standard to CFP Board’s Code of Ethics and Professional Responsibility
This Practice Standard relates to CFP Board’s Code of Ethics and Professional Responsibility (Code of Ethics) through the Code of Ethics’ Principle 2 – Objectivity and Rules 201 and 202; Principle 3 – Competence and Rule 302; Principle 6 – Professionalism and Rule 609; and Principle 7 – Diligence and Rules 701 and 703.

Principle 2 states “A CFP Board designee shall be objective in providing professional services to clients.” Rule 201 states “A CFP Board designee shall exercise reasonable and prudent professional judgment in providing professional services.” Rule 202 states “A financial planning practitioner shall act in the interest of the client.”

Principle 3 states “A CFP Board designee shall provide services to clients competently and maintain the necessary knowledge and skill to continue to do so in those areas in which the designee is engaged.” Rule 302 states “A CFP Board designee shall offer advice only in those areas in which the CFP Board designee has competence. In areas where the CFP Board designee is not professionally competent, the CFP Board designee shall seek the counsel of qualified individuals and/or refer clients to such parties.”

Principle 6 states “A CFP Board designee’s conduct in all matters shall reflect credit upon the profession.” Rule 609 states “A CFP Board designee shall not practice any other profession or offer to provide such services unless the CFP Board designee is qualified . and is licensed as required by state law.”

Principle 7 states “A CFP Board designee shall act diligently in providing professional services.” Rule 701 states “A CFP Board designee shall provide services diligently.” Rule 703 states “A financial planner practitioner shall make and/or implement only recommendations which are suitable for the client.”

400-2: Developing the Financial Planning Recommendation(s)
The financial planning practitioner shall develop the recommendation(s) based on the selected alternative(s) and the current course of action in an effort to reasonably meet the client’s goals, needs and priorities.

Explanation of this Practice Standard
After identifying and evaluating the alternative(s) and the client’s current course of action, the practitioner shall develop the recommendation(s) expected to reasonably meet the client’s goals, needs and priorities. A recommendation may be an independent action or a combination of actions which may need to be implemented collectively.

The recommendation(s) shall be consistent with and will be directly affected by the following:

* Mutually defined scope of the engagement;
* Mutually defined client goals, needs and priorities;
* Quantitative data provided by the client;
* Personal and economic assumptions;
* Practitioner’s analysis and evaluation of client’s current situation; and
* Alternative(s) selected by the practitioner.

A recommendation may be to continue the current course of action. If a change is recommended, it may be specific and/or detailed or provide a general direction. In some instances, it may be necessary for the practitioner to recommend that the client modify a goal.

The recommendations developed by the practitioner may differ from those of other practitioners or advisers, yet each may reasonably meet the client’s goals, needs and priorities.

Effective Date
Original version, January 1, 2001. Updated version, January 1, 2002.

Relationship of this Practice Standard to CFP Board’s Code of Ethics and Professional Responsibility
This Practice Standard relates to CFP Board’s Code of Ethics and Professional Responsibility (Code of Ethics) through the Code of Ethics’ Principle 2 – Objectivity and Rules 201 and 202; Principle 3 – Competence and Rule 302; Principle 6 – Professionalism and Rule 609; and Principle 7 – Diligence and Rules 701, 703 and 704.

Principle 2 states “A CFP Board designee shall be objective in providing professional services to clients.” Rule 201 states “A CFP Board designee shall exercise reasonable and prudent professional judgment in providing professional services.” Rule 202 states “A financial planning practitioner shall act in the interest of the client.”

Principle 3 states “A CFP Board designee shall provide services to clients competently and maintain the necessary knowledge and skill to continue to do so in those areas in which the designee is engaged.” Rule 302 states “A CFP Board designee shall offer advice only in those areas in which the CFP Board designee has competence. In areas where the CFP Board designee is not professionally competent, the CFP Board designee shall seek the counsel of qualified individuals and/or refer clients to such parties.”

Principle 6 states “A CFP Board designee’s conduct in all matters shall reflect credit upon the profession.” Rule 609 states “A CFP Board designee shall not practice any other profession or offer to provide such services unless the CFP Board designee is qualified . and is licensed as required by state law.”

Principle 7 states “A CFP Board designee shall act diligently in providing professional services.” Rule 701 states “A CFP Board designee shall provide services diligently.” Rule 703 states “A financial planner practitioner shall make and/or implement only recommendations which are suitable for the client.” Rule 704 states “. a CFP Board designee shall make a reasonable investigation regarding the financial products recommended to clients. Such an investigation may be made by the CFP Board designee or by others provided the CFP Board designee acts reasonably in relying upon such investigation.”

400-3: Presenting the Financial Planning Recommendation(s)
The financial planning practitioner shall communicate the recommendation(s) in a manner and to an extent reasonably necessary to assist the client in making an informed decision.

Explanation of this Practice Standard
When presenting a recommendation, the practitioner shall make a reasonable effort to assist the client in understanding the client’s current situation, the recommendation itself, and its impact on the ability to meet the client’s goals, needs and priorities. In doing so, the practitioner shall avoid presenting the practitioner’s opinion as fact.

The practitioner shall communicate the factors critical to the client’s understanding of the recommendations. These factors may include but are not limited to material:

* Personal and economic assumptions;
* Interdependence of recommendations;
* Advantages and disadvantages;
* Risks; and/or
* Time sensitivity.

The practitioner should indicate that even though the recommendations may meet the client’s goals, needs and priorities, changes in personal and economic conditions could alter the intended outcome. Changes may include, but are not limited to: legislative, family status, career, investment performance and/or health.

If there are conflicts of interest that have not been previously disclosed, such conflicts and how they may impact the recommendations should be addressed at this time.

Presenting recommendations provides the practitioner an opportunity to further assess whether the recommendations meet client expectations, whether the client is willing to act on the recommendations, and whether modifications are necessary.

Effective Date
Original version, January 1, 2001. Updated version, January 1, 2002.

Relationship of this Practice Standard to CFP Board’s Code of Ethics and Professional Responsibility
This Practice Standard relates to CFP Board’s Code of Ethics and Professional Responsibility (Code of Ethics) through the Code of Ethics’ Principle 1 – Integrity and Rule 102; Principle 2 – Objectivity and Rule 201; and Principle 6 – Professionalism and Rule 607.

Principle 1 states “A CFP Board designee shall offer and provide professional services with integrity.” Rule 102 states “. a CFP Board designee shall not . knowingly make a false or misleading statement to a client..”

Principle 2 states “A CFP Board designee shall be objective in providing professional services to clients.” Rule 201 states “A CFP Board designee shall exercise reasonable and prudent professional judgment in providing professional services.”

Principle 6 states “A CFP Board designee’s conduct in all matters shall reflect credit upon the profession.” Rule 607 states “A CFP Board designee shall not engage in any conduct which reflects adversely on his or her integrity or fitness as a CFP Board designee..”

Anticipated Impact of these Practice Standards
Upon the Public
The public is served when strategies and objective recommendations are developed and are communicated clearly to specifically meet each client’s individual financial planning goals, needs and priorities.

Upon the Financial Planning Profession
A commitment to a systematic process for the development and presentation of the financial planning recommendations advances the financial planning profession. Development of customized strategies and recommendations enhances the public’s perception of the objectivity and value of the financial planning process. The public will seek out those professionals who embrace these Practice Standards.

Upon the Financial Planning Practitioner
Customizing strategies and recommendations forms a foundation to communicate meaningful and responsive solutions. This increases the likelihood that a client will accept the recommendations and act upon them. These actions will contribute to client satisfaction.

The Investment Planning and Management Process

I use a structured approach to investment planning and investment management in order to help my clients achieve their investment objectives. The key to this approach is a process that enables me to more clearly identify investment goals and objectives, determine risk tolerance, both financial tolerance and emotional tolerance and structure a suitable portfolio.

Step 1. Establishing Investment Goals and Objectives

Investment Objectives: During our initial discussion we will spend time discussing your short and long-term financial goals and objectives. Understanding the role that your investments play in your current and future cash flow, and where you are in the ‘accumulation-income generation-preservation-distribution’ cycle is essential to matching your investment goals to your investment portfolio.

Step 2 – Determining Risk Tolerance and Appropriate Asset Allocation

Risk Profile. Using a model risk analysis profile questionnaire we will have a discussion regarding risk-reward, time horizon for investments and return expectations.
Asset Allocation. The results of the risk analysis model will provide information that I will use to develop a suitable investment portfolio. A portfolio comprised of investment asset categories that will provide you with an investment portfolio designed to help you achieve your investment goals and objectives.

Step 3 – Creating the Investment Portfolio

Portfolio Design. Whether your portfolio is being designed for long term capital appreciation or the generation of income, selecting the investments to build your portfolio is an important step in developing a suitable investment strategy. There are a number of alternatives that will be discussed and explored as a part of this process, and I will help you to determine which is suitable for your needs. Mutual Funds, Managed Accounts, Wrap Accounts, Individual Securities, Bank Products, Annuities, Insurance Products may all have a place in your portfolio. It is at this step in the process that we focus on which is suitable for your specific needs.

Step 4 – Monitoring and Reporting

Portfolio Review and Reporting. Performance of the investment portfolio relative to your stated objectives and the investment marketplace and the broad economy helps you to keep your investment portfolio and decisions in perspective. We establish a timeframe to meet and discuss whether you are on track and making strides to achieve your investment objectives.

Summary

This investment planning and management process is used to help you keep your future financial goals and investment objectives in focus and establish a clear set of milestones that you can use to track your progress as you pursue your financial goals and objectives.

Sukses melalui kartu kredit

Judul bisa sangat menipu. Bukankah selama ini kita sering dengar banyak orang yang tercekik oleh tagihan kartu kreditnya ?

Ada yang sampai tercekik karena memiliki 10 kartu kredit dan semuanya sudah jatuh tempo, di kejar-kejar debt kolektor, malu sama teman-teman sekantor atau tetangga karena sering ditagih, dan lain-lain.

Benar banyak kisah-kisah orang tercekik karena pemakaian kartu kredit yang salah, namun disisi lain banyak orang yang tadinya gak punya apa-apa malah menjadi kaya karena memiliki kartu kredit.

Orang yang yang tercekik biasanya adalah orang yang memakai kartu kredit untuk keperluan konsumtif semata dan asal gesek! Sementara orang yang sukses dengan kartu kredit karena memakainya dengan bijak !!

Ini sepenggal cerita nyata dari penggunaan kartu kredit yang positip:
Suatu hari si A, ketika masih jadi karyawan memulai usahanya, mulai dari kecil-kecilan. Alkisah usaha si A mulai lumayan maju, tapi ia kekurangan modal. Mau pinjam ke Bank, belum tahu cara dan permainannya dan gak ada agunan. Mau pinjam ke kawan, kawan-kawannya kebetulan pada bokek juga (saya nggak lho… modal saya sebagian saya pinjam dari teman yang tentunya dengan imbalan profit tertentu seringkali sama atau sedikit lebih rendah daripada kartu kredit).

Akhirnya ia datang ke seorang yang dianggapnya pintar bisnis, dan ia di sarankan untuk buat kartu kredit, memanfaatkan jabatannya sebagai karyawan, memakai slip gajinya.

“Berapa saya harus buat kartu kredit pak?” Tanyanya

“Buat saja sekalian di 10 bank, jangan tanggung-tanggung”

Kemudian ia melakukan apa yang di ajarkan guru bisnisnya. Singkat cerita akhirnya setelah kurang lebih satu bulan ia keluar masuk bank ia memiliki 10 kartu kredit dan ia mendatangi guru bisnisnya

“Pak, saya sekarang sudah memiliki 10 kartu kredit, sekarang harus di apakan?”

“Begini”, kata guru bisnis itu.

“Sekarang kamu perlu berapa juta untuk modal usahamu?”

“15 juta saja pak”

“Oke, gini.Sekarang dari setiap kartu kreditmu itu, kamu tarik tunai setiap hari masing-masing 2 juta untuk 8 kartu kredit saja, lalu yang 2 jangan kamu pakai dulu….Jadi kamu akan mendapat sekitar 16 juta, 2 juta perkartu kredit di kali 8 kartu kredit, oke……dan sekali lagi yang 2 dari kartu kreditmu jangan ditarik, untuk membayar nanti jika masing-masing kartu kredit tersebut jatuh tempo!”

“Lalu kamu bisa pakai uang tersebut sebagai modal usahamu…”

“Nanti kalau kartu kredit mu yang pertama akan jatuh tempo, kamu tarik tunai salah satu kartu kreditmu yang tidak dipakai – yaitu yang 2 buah, ambil 2 juta atau secukupnya untuk membayar kartu kredit pertamamu yang akan jatuh tempo, sehingga kamu tidak keluar uang dari kantongmu…demikian seterusnya…kartu kredit yang telah kamu bayar, besoknya juga kamu bisa kamu tarik tunai lagi…….”

“Semoga kamu segera sukses” Kata guru bisnisnya

Si A melakukan yang di ajarkan guru bisnisnya …

Singkat cerita si A sukses dan sekarang memiliki toko di beberapa tempat.

Bekerja samalah dengan merchant!
Kartu kredit bisa digunakan untuk menarik tunai di atm-atm, namun terbatas nilai penarikannya, paling banyak 60% dari kredit limit anda, belum lagi bank-bank tertentu hanya membatasi jumlah yang kecil yang bisa kita tarik tunai dalam atm, dan ada biaya yang cukup besar lagi, misalnya setiap kali menarik di atm anda di kenai biaya 50.000 dan juga bunga penarikan tunai di bank-bank tertentu lebih besar dari pada bunga pembelanjaan.

Oleh sebab itu alangkah baiknya jika anda bisa bekerja sama dengan merchant-merchant.
Merchant adalah toko-toko atau tempat-tempat yang menerima pembayaran dengan kartu kredit.
Tanyakan kepada ownernya, Apakah bisa tarik tunai?
Biasanya sih bisa, dan memberi tahu potongannya, anda tawar saja.

Lebih baik lagi kalau owner merchantnya kawan anda sendiri, bisa tanpa potongan.

Kalau di Jakarta dan kota-kota besar lainnya, banyak yang mengiklankan tarik tunai dengan bunga dari 2 sampai 5 persen, rata-rata 3 persen (lihat saja iklan-iklan tersebut seperti di Koran post kota, dan lain-lain.

Ada juga yang dengan teknik membeli emas lalu jual lagi, biasanya potongannya malah lebih besar, jadi cari merchant saja, nego potongannya/cashnya.