It’s My Life

 

Before Age of 30 Years

Setiap orang pasti mempunyai cita-cita. Sejak kecil pasti cita-cita setiap anak kecil tidak akan jauh dari menjadi dokter, guru, polisi, presiden dan astronot.

Tips on How You Can Get Rich At Young Age

 Today’s young people can retire comfortably with $1 million in the bank. All it takes is starting early, spending 15 minutes a year rebalancing their portfolio, and avoiding financial professionals who are mostly concerned with making themselves money.

At least that’s the message of William Bernstein, cofounder of investment management firm Efficient Frontier Advisors, who recently published the short ebook “If You Can: How Millennials Can Get Rich Slowly.”

It clearly resonates. The book, available for free on his website and for 99 cents on Amazon, is being snapped up by readers, and a New York Times story about Bernstein has spent the last several days at the top of the publication’s most emailed list.

The popular interest seems to be a combination of older people sharing the text with their young family members and unspoken anxiety about saving for retirement, Bernstein tells Business Insider. “Of course, what I’d really like to believe,” he says, “is that I’ve successfully stoked latent public outrage over a retirement system that somehow expects the folks who teach our kids and flip our burgers to somehow, against all odds, manage their retirement portfolios.”

So how can you get rich slowly? Here’s some of Bernstein’s advice, excerpted from the ebookwith his permission:

*** 

Would you believe me if I told you that there’s an investment strategy that a seven-year-old could understand and that will take you 15 minutes of work per year, outperform 90% of finance professionals in the long run, and make you a millionaire over time?

Well, it is true, and here it is: Start by saving 15% of your salary at age 25 into a 401(k) plan, an IRA, or a taxable account (or all three). Put equal amounts of that 15% into just three different mutual funds:

• A U.S. total stock market index fund
• An international total stock market index fund
• A U.S. total bond market index fund

Over time, the three funds will grow at different rates, so once per year you’ll adjust their amounts so that they’re again equal. (That’s the 15 minutes per year, assuming you’ve enrolled in an automatic savings plan.)

That’s it; if you can follow this simple recipe throughout your working career, you will almost certainly beat out most professional investors. More importantly, you’ll likely accumulate enough savings to retire comfortably.

 

But You’re Still Screwed

Most young people believe that Social Security won’t be there for them when they retire, and that this is a major reason why their retirements will not be as comfortable as their parents. Rest assured that you willget Social Security; its imbalances are relatively minor and fixable, and even if nothing is done, which is highly unlikely in view of the program’s popularity, you’ll still get around three-quarters of your promised benefit.

The real reason why you’re going to have a crummy retirement is that the conventional “defined benefit” pension plan of your parents’ generation, which provided a steady and reliable stream of income for as long as they lived, has gone the way of disco. There’s only one person who can repair the gap left by the disappearance of these plans, and you know who that is. Unless you act with purpose and vigor, your retirement options may well range between moving in with your kids and sleeping under a bridge in the rain.

Further, the most important word is the IF in the above “if you can follow this simple recipe,” because, you see, it’s a very, very big if.

At first blush, consistently saving 15% of your income into three index funds seems easy, but saying that you can become comfortably well-to-do and retire successfully by doing so is the same as saying that you’ll get trim and fit by eating less and exercising more.

People get fat because they like pizza more than fresh fruit and vegetables and would rather watch Monday night football than go to the gym or jog a few miles. Dieting and investing are both simple, but neither is easy. (And I should know, since I’ve been much more successful at the latter than at the former.)

In your parents’ day, the traditional pension plan took care of all the hard work and discipline of saving and investing, but in its absence, this responsibility falls on your shoulders. In effect, the traditional pension plan was an investing fat farm that involuntarily limited calorie intake and made participants run five miles per day. Too bad that, except for the luckiest workers, such as corporate executives and military personnel, these plans are disappearing.

Bad things almost inevitably happen to people who try to save and invest for retirement on their own, and if you’re going to succeed, you’re going to need to avoid them. To be precise, five bad things — hurdles, if you will — must be overcome if you are to succeed and retire successfully: 

 

Hurdle number one

People spend too much money. They decide that they need the newest iPhone, the most fashionable clothes, the fanciest car, or a Cancun vacation. Say you‘re earning $50,000 per year, 15% of which is $7,500, or $625 per month.

In this day and age, that‘s a painfully thin margin of saving, and it can be wiped out simply by stringing together several seemingly innocent expenditures, each of which might nick your savings by $100 or so per month: a latte per day, a too-rich cable package, an apartment that‘s a little too tony, a dress or pair of brand-name sneakers you really don‘t need, a few unnecessary restaurant meals and, yes, an excessive smart phone plan you could, if you had to, not only live without, but also function better without.

Life without these may seem spartan, but it doesn‘t compare to being old and poor, which is where you‘re headed if you can‘t save. You might even save the whole $625 in one fell swoop just by living with a roommate for a while longer, instead of renting your very own place. Again, as bad as having a roomie may be, it‘s not nearly as awful as living on cat food at age 70.

Let’s assume you can save enough. You’re not home free, not by a long shot. You’ve got four more barriers to get by.

 

Hurdle number two

You’ll need an adequate understanding of what finance is all about. Trying to save and invest without a working knowledge of the theory and practice of finance is like learning to fly without grasping the basics of aerodynamics, engine systems, meteorology, and aeronautical risk management. It’s possible, but I don’t recommend it.

I’m not suggesting that you need to get an MBA or even read a big, dull finance textbook. The essence of scientific finance, in fact, is remarkably simple and can be acquired, if you know where to look, pretty easily. (And rest assured, I’ll tell you exactly where to find it.)

 

Hurdle number three

Learning the basics of financial and market history. This is not quite the same as the above hurdle; if learning about the theory and practice of finance is akin to studying aeronautics, then studying investing history is akin to reading aircraft accident reports — something every conscientious pilot does.

The new investor is usually disoriented and confused by market turbulence and the economic crises that often cause it; this is because he or she does not realize that there‘s nothing really new under the investment sun.

A quote often misattributed to Mark Twain has it that “History doesn‘t repeat itself, but it does rhyme.“ This fits finance to a tee. If you don‘t recognize the landscape, you will get lost. Contrariwise, there nothing more reassuring than being able to say to yourself, “I‘ve seen this movie before (or at least I‘ve read the script), and I know how it ends.”

 

Hurdle number four

Overcoming your biggest enemy — the face in the mirror — is a daunting task. Know thyself. Human beings are simply not designed to manage long-term risks. Over hundreds of thousands of years of human evolution, and over hundreds of millions of years of animal development, we’ve evolved to think about risk as a short-term phenomenon: the hiss of the snake, the flash of black and yellow stripes in the peripheral vision.

We were certainly not designed to think about financial risk over its proper time horizon, which is several decades. Know that from time to time you will lose large amounts of money in the stock market, but these are usually short-term events — the financial equivalent of the snake and the tiger. The real risk you face is that you’ll be flattened by modern life’s financial elephant: the failure to maintain strict long-term discipline in saving and investing.

 

Hurdle number five

As an investor, you must recognize the monsters that populate the financial industry. They’re very talented chameleons; they don’t look like monsters; rather, they appear in the guise of a cousin or an old college friend. They are also self-deluded monsters; most “finance professionals” don’t even realize that they’re moral cripples, since in order to function they’ve had to tell themselves a story about how they’re really helping their customers. But even if they’re able to fool others and often themselves as well, make sure they don’t fool you.

Only if you can clear all five of these hurdles can you successfully execute the deceptively simple “three fund strategy” I’ve outlined above.

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Jang Geun Suk – Love Rain (OST Love Rain)

비오는 저녁 그녀 모습 보았죠..
오래전 부터 보고 싶던 그녀를..

우산이 없는 그녀에게 말했죠..
내 우산속으로 그대 들어오세요~

살랑살랑살랑 들려오는 빗소리..
두근 두근두근두근 떨려오는 내가슴..
살랑살랑살랑 두근두근두근..
우산소리.. 빗소리.. 내가슴 소리..
사랑비가 내려오네요..

비오는 거리 우린 둘이 걸었죠..
조그만 우산 내 어깨는 젖었죠..

그녀는 내게 수줍은 듯 말했죠..
조금더 가까이 그대 들어오세요~

살랑살랑살랑 부딪치는 어깨에..
두근 두근두근두근 떨려오는 내가슴..
살랑살랑살랑 두근두근두근..
우산속의 두어깨 수줍은 어깨..
사랑비가 내려오네요..

난 사랑에 빠졌네..

살랑살랑살랑 들려오는 빗소리..
두근 두근두근두근 떨려오는 내가슴..
살랑살랑살랑 두근두근두근..
우산소리.. 빗소리.. 내가슴 소리..
사랑비가 내려오네요..

I love rain.. I love you..

 

bioneun jeonyeok keunyeo moseub bo-wat-jyo..
oraejeon bu-teo bogo shipdeon geunyeoreul..

usani eom-neun geunyeoe-ge marhaet-jyo..
nae usanso-geuro keudae deu-reo-oseyo~

sallangsallangsallang deullyeo-oneun bissori..
dugeun dugeundugeundugeun tteollyeo-oneun nae-gaseum..
sallangsallangsallang dugeundugeundugeun..
usansori.. bissori.. nae-gaseum sori..
sarangbi-ga naeryeo-oneyo..

bioneun geori urin du-ri geo-reot-jyo..
jo-geuman usan nae eokkae–neun jeojeot-jyo..

keunyeoneun nae-ge sujubeun -deut marhaet-jyo..
jo-geumdeo kakka-i geudae deu-reo-oseyo~

sallangsallangsallang budijchineun eokkae-ye..
dugeun dugeundugeundugeun tteollyeo-oneun nae-gaseum..
sallangsallangsallang dugeundugeundugeun..
usansokye du-eokkae- sujubeun eokkae-..
sarangbi-ga naeryeo-oneyo..

nan sarange ppajyeo-nne..

sallangsallangsallang deullyeo-oneun bissori..
dugeun dugeundugeundugeun tteollyeo-oneun nae-gaseum..
sallangsallangsallang dugeundugeundugeun..
usansori.. bissori.. nae-gaseum sori..
sarangbi-ga naeryeo-oneyo..

I love rain.. I love you..

 

Ini lirik Jang Geun Suk – Love Rain  (Love Rain OST song) versi Indonesianya

Saat hujan di sore hari, Aku melihatnya
Aku Melihatnya, Yang telah ku tunggu sejak dulu
Aku katakan padanya, siapakah tanpa payung itu?
Datanglah di bawah payung ku
Drizzle drizzle, Suara Hujan
Rub dub rub dub, Hatiku berguncang
Drizzle drizzle, rub dub rub dub
Suara di atas payung, Suara hujan, Suara Hatiku
Hujan Cinta sedang jatuh
Berdua kita berjalan di atas jalan yang basah (karena hujan)
Dibawah payung, bahukupun basah
Dia dengan malu bilang padaku
Mendekatlah lebih dekat
Dengan lembut, bahu kami menyatu
Rub dub rub dub, hatiku berdegub
Sunguh lembut, rub dub rub dub
Dua bahu berteduh di bawah payung, bahu yang malu
Hujan cinta sedang jatuh
Aku telah jatuh cinta
Drizzle drizzle, Suara Hujan
Rub dub rub dub, Hatiku berguncang
Drizzle drizzle, rub dub rub dub
Suara di atas payung, Suara hujan, Suara Hatiku
Hujan Cinta sedang jatuh
Aku Cinta Hujan, Aku Cinta Kamu

Jangan lupa subscribe JANUARYAN.com dan CODEYAN.com untuk mendapatkan artikel terbaru seputar teknologi, games, programming, Virtual Reality, Insight, Ideation, Startup, Opinion dll. Ikuti kami juga di sosial media di Facebook JANUARYAN dan CODEYAN, GooglePlus JANUARYAN dan CODEYAN, channel Youtube Ryan RA dan Januaryan Games, di Twitter untuk mendapatkan update terbaru dari @JanuaryanID dan @ranjaniryan.

Na Yoon Kwon – Love is Like Rain (OST Love Rain)

자 눈을 감고 들어봐 투명한 빗방울들이
날 대신해 귓가에 사랑한다 속삭이는 수줍은 이노래를
거리 가득 작은 우산속 연인처럼
너의 손잡고 어디든 걷고 싶어 온몸이 다 젖어도 좋은걸

사랑은 비처럼 포근했던 봄처럼 나를 꿈꾸게해
눈이 닫는 곳마다 난 너만 보여
천천히 다가가 오늘은 말해줄까 내리는 이 비 타고
내 사랑이 네게 닿았으면 그 입술 빗방울도 나였으면

또 눈을 감고 그려봐 살포시 나의 어깨에
기대 잠든 니볼에 조심스레 입맞추는 떨리는 내모습을 늘 걷는 길도 널 만나 새롭나봐 수줍게
내민 저 하늘 태양 처럼 어느새 웃고 있는 나를 봐
사랑은 비처럼 포근했던 봄처럼 나를 꿈꾸게해

눈이 닫는 곳마다 난 너만 보여
천천히 다가가 오늘은 말해줄까 내리는
이 비 타고 내 사랑이 네게 닿았으면 그 입술 빗방울도 나였으면
눈물나는 날 가슴시린 날 너처럼 아파하던 사람

네게로 가면 너에겐 날 모두 빌려줄래 내리는 이 비를 타고
내리는 비처럼 설레이는 내마음 저기 나를 보며
손 흔드는 니가 믿어지지 않아
천천히 다가가 오늘은 말해볼까 내리는
빗방울도 친구되어 내어깰 두드려 오늘은 고백할까 널 사랑해

Ja nuneul gamgo deureobwa thumyeonghan bitbanguldeuri
Nal daesinhae gwitgae saranghanda soksagineun sujubeun i noraereul
Geori gadeuk jageun usansok yeonin cheoreom
Neoui sonjapgo eodideun geotgo sipheo onmomi da jeojeodo joheugeol

Sarangeun bi cheoreom phogeunhaetdeon bom cheoreom nareul kkumkkugehae
Nuni danneun gotmada nan neoman boyeo
Cheoncheonhi dagaga oneureun malhaejulkka naerineun i bi thago
Nae sarangi nege dahasseumyeon geu ipsul bitbanguldo nayeosseumyeon

Ddo nuneul gamgo geuryeobwa salphosi naui eokkaee
Gidae jamdo nibore josimseure ipmatchuneun tteollineun nae moseubeul Neul geonneun gildo neol manna saeropnabwa sujubke
Naemin jeo haneul thaeyang cheoreom eoneusae utgo inneun nareul bwa
Sarangeun bi cheoreom phogeunhaetdeon bom cheoreom nareul kkumkkugehae

Nuni danneun gotmada nan neoman boyeo
Cheoncheonhi dagaga oneureun malhaejulkka naerineun
I bi thago nae sarangi nege dahasseumyeon geu ipsul bitbangulda nayeonsseumyeon
Nunmul naneun nal gaseusirin nal neo cheoreom aphahadeon saram

Negero gamyeon neoegen nal modu billyeojullae naerineun i bireul thago
Naerineun bi cheoreom seolleineun nae maeum jeogi nareul bomyeo
Son heundeneun niga mideojiji anha
Cheoncheonhi dagaga oneureun malhaebolkka naerineun
Bitbangulda chingudwieo naeeokkael dudeuryeo oneureun gobaekhalkka saranghae

Na Yoon Kwon – Love is Like Rain (OST Love Rain) vesri Indonesia nya juga nih

Pejamkan matamu dan dengarkanlah, tetes air hujan yang jernih menggantikanku
Dengan malu-malu mereka membisikkan lagu “Aku mencintaimu” di telingamu
Seperti pasangan dibawah payung kecil di jalan
Aku ingin berjalan kemanapun dan menggenggam tanganmu. Tak apa-apa meskipun seluruh tubuhku basah

Cinta itu seperti hujan, seperti musim dingin yang hangat, membuatku bermimpi
Di setiap tempat aku membuka mata, hanya terlihat dirimu
Perlahan, mendekat, apakah aku harus mengatakannya hari ini?
Jika cintaku yang terbawa hujan yang turun bisa menyentuhmu, Jika air hujan di bibirmu adalah aku

Pejamkan matamu dan bayangkan
Gugupnya aku saat diam-diam mengecup pipimu yang bersandar di bahuku dengan hati-hati
Seperti matahari di langit yang terbit, Lihat aku dan tersenyumlah beberapa saat
Cinta itu seperti hujan, seperti musim dingin yang hangat, membuatku bermimpi

Setiap tempat aku menutup mata, aku hanya melihatmu
Perlahan, mendekat, apakah aku harus mengatakannya hari ini?
Jika cintaku yang terbawa hujan yang turun bisa menyentuhmu, Jika air hujan di bibirmu adalah aku
Aku yang menangis, Aku yang tak berperasaan, Aku adalah orang yang terbiasa disakiti seperti dirimu

Jika aku datang padamu, maukah kau meminjamkan semuanya padaku? Seperti saat aku terbawa oleh hujan yang turun
Hatiku bergetar seperti hujan yang turun
Aku tak percaya kau melambaikan tangan sambil melihatku
Perlahan-lahan, mendekat, Apakah aku harus mengatakannya hari ini?
Tetes air hujan yang turun pun menepuk bahuku dan menjadi temanku. Apakah aku harus mengakuinya? Aku mencintaimu