Category: General

… dan bagiku kamu adalah hukuman atas tindakanku dimasa laluku, bukan kedamaian seperti yang diperjanjikan oleh malaikat bersayap putih itu. Karenanya, sedapat mungkin aku menjauhimu. Agar kiranya hukuman itu berlalu dari padaku.

ORI 2 segera datang lagi, kira-kira begitu pesan yang ingin kami sampaikan sebagai tim marketing. ORI merupakan pilihan investasi tepat bagi mereka yang takut risiko atau bagi mereka yang ingin menempatkan dananya secara aman.

Dalam reserach-nya, Bu Ade, seorang Dosen Paska Sarjana USU sekaligus teman diskusi yang asik, menargetkan ibu-ibu rumah tangga di Medan sebagai membeli municipal bond karena domestic consumption yang tinggi. Salah satu kesimpulan beliau kira-kira begini, bahwa pembelajaran agar para ibu rumah tangga melek secara financial perlu digalakkan.

Ibu-ibu rumah tangga, biasanya akan menghitung kebutuhan konsumsi bulanannya terlebih dahulu dan menutupnya dengan pendapatan tetap. Kemudian kebutuhan diluar itu termasuk kebutuhan investasi mulai dihitung. Dengan sisa uang yang mereka miliki dan yang akan mereka miliki, mereka mulai mencari instrumen yang pas untuk membuat uang itu bekerja untuk mereka. Dengan tujuan dan waktu yang jelas instrumen investasi dapat ditentukan. 

Kalau ingin memperoleh hasil yang lebih besar, bermainlah di pasar modal atau pasar uang. Tapi terjun kesini perlu pengetahuan dan kesiapan, soalnya resikonya besar juga. Kalau rugi bikin sakit perut berhari-hari. Yang sedikit agak aman, reksa dana, pengetahuan tentang pasar tidak perlu ditonjolkan, sudah ada Fund Manager yang siap membantu. Tapi tentu saja kita perlu aware bahwa reksa danapun ada resikonya. Kalau tak mau banyak risiko, ambillah Reksa Dana terproteksi.

Tapi ada instrumen yang jauh lebih aman … OBLIGASI RITEL INDONESIA. Kenapa membeli Obligasi Ritel ?

• Pembayaran kupon dan pokoknya dijamin oleh UU Surat Utang Negara, jadi kemungkinan tidak dibayarnya kupon dan pokok sangat mustahil
• Kupon dibayarkan setiap bulan secara tepat waktu, dengan tingkat bunga yang tetap. Pembeli ORI tahun lalu boleh tersenyum lebar melihat suku bunga di pasar yg cenderung turun sedangkan ORI yang mereka hasilkan hingga dua tahun kedepan telah di patok pada suku bunga 12.05% P.a     
• ORI dapat diperdagangkan di pasar sekunder, tidak demikian halnya dengan Deposito ataupun reksadana terproteksi. Jadi setiap saat bila ada investor yang berminat membeli ORI yang kita miliki dengan harga lebih tinggi, kita bisa melepasnya. Jangan lupa memperhitungkan biaya transaksinya terlebih dahulu. Kesimpulannya ORI memiliki potensi untuk memperoleh capital gain, yang tidak dimiliki oleh Deposito.

Masih ada beberapa keuntungan lain, tapi pada intinya berinvestasi di ORI, MENGUNTUNGKAN dan AMAN. Lalu bagaimana dengan para Ibu Rumah Tangga?   Mereka bisa ikut membangun negeri ini dengan berinvestasi di ORI, dengan mengurangi konsumsi domestik mereka untuk berinvestasi di ORI atau sekedar mengalihkan instrumen investasi mereka ke ORI.    

So tahun ini ada tiga kali kesempatan membeli ORI di pasar perdana, karena rencananya Depkeu akan kembali menerbitkan ORI, masing-masing pada bulan Maret, Juni dan November (tentative).

 

Among those who move, you stay still, keep the world in its harmonious balance. Your presence in the world means something you may till now try to figure out. It is obvious just before my eyes.

It is your day. And I thank God for the day He sent you to this world.

To night when the dark starts covering your surroundings, try to get out, take a peek at imperfect square sign above your head. I pick Betelgeuse, Rigel, Bellatrix, Saiph … and I add Alnitak, Alnilam and Mintaka to the bouquet of stars. Orion is a special present for you. Hope you like it.

Orang yang mencintai menanggung risiko lebih besar, dan sering harus membayar harga yang lebih tinggi …

Vandaag reis ik weer terug naar Indonesie, maar Nederland bevalt me tot nu toe veel better.

A boy was watching his grandmother write a letter. At one point, he asked:
“Are you writing about what we’ve done? Is it a story about me?”

His grandmother stopped writing her letter and said to her grandson:
“I am writing about you, actually, but more important than the words is the pencil I’m using. I hope you will be like this pencil when you grow up”.

Intrigued, the boy looked at the pencil. It didn’t seem very special.
“But it’s just like any other pencil I’ve ever seen!”

“That depends on how you look at things. It has five qualities, which if you manage to hang on to them, will make you a person who is always at peace with the world.”
“First quality: you are capable of great things, but you must never forget that there is a hand guiding your steps. We call that hand, God and He always guides us according to His will.”
“Second Quality: now and then, I have to stop writing and use a sharpener. That makes the pencil suffer a little, but afterwards, he’s much sharper. So you, too, must learn to bear certain pains and sorrows, because they will make you better person.”
“Third quality: the pencil always allows us to use an eraser to rub out any mistakes. This means that correcting something we did is not necessarily a bad thing; it helps to keep us on the road to justice.”
“Fourth quality: what really matters in a pencil is not its wooden exterior, but the graphite inside. So always pay attention to what is happening inside you.”
“Finally, the pencil’s fifth quality: it always leaves a mark. In just the same way, you should know that everything you in life will leave a mark, so try to be conscious of that in your every action.”

Within these 3 weeks, songs with theme of Sinterklaas have been echoing all over the Netherlands. Yes, Sinterklaas arrived in the Netherlands. A person like me who is not a native will right away link him with Christmas time. I used to think that Sinterklaas is Santa Claus or Sinterklas (Indonesian word). In fact, Sinterklaas does not necessary associate with Christmas. They have Kerstman Man which looks like similar to those Santa Claus. Apparently the Netherlands has its own Sinterklaas which is quite different with those international Santa Clause, if I may say.

So many people here believe that he comes from Spain as he annually arrives in Holland on steam boat from Spain. In fact the real history said that Sinterklaas (St Nicholas) was a Bishop of Myra in Lycia, the present day Turkey, in the fourth century. As the tradition goes… he arrives in netherlands generally in mid November together with his Moorish servants, the black Peters (Zwarte Pieten). He tours the country on a white horse, visiting all the main towns to the great excitement of the children. Some are in awe of him, because their parents tell them that he knows all about them – who has been good and who has been bad. He always brings a tick book from Spain, listing good children together with their present.

Zwarte Pieten throw cookies and sweets to the children and generally clown around, singing or playing musical instruments. Children used to be told that they would only give sweets to the good ones and take naughty children away in their sack and bring them to Spain. So can you imagine that between Mid November and beginning of December, all of the sudden, all children in the Netherlands behave nicely. Furthermore, I wonder that tomorrow Spain will be full of naughty Dutch children as on the December 6, Sinterklaas returns to Spain with his zwarte Pieten until next year.

Every year they make the story as if it was true, of course it is not. They organize it very nicely, so that the same story will be spread out over the country. I wonder if the Government takes its part as a way of preserving Dutch tradition. This website also has been prepared for this occasion. Before Sinterklaas came, the website only shown the picture of animation steam boat approaching the Netherlands. However, the picture changed as Sinterklaas arrived. I wonder what it looks like tomorrow.

So this year Sinterklaas came to Holland on 18th of November. He was supposed to arrive in Middleburg as the scenario written. So many people were there waiting for him and his servant arrival. It was reported lively on TV and radio. So, my birthday was celebrated partly by watching TV, seeing whether this year there will be another problem faced. The story differs every year. For this year, Sinterklaas did not arrive exactly in Middleburg because the light in the light house was not illuminated so that it was difficult for Sinterklaas to find the right direction. The scenario was made so nicely so that Zwarte Pieten lost the big book containing the name of all good childen. They now have an excuse not to provide a present as the children wish. They children still believe that Sintaklaas will fulfill their wish if they behave nicely

This story was reported and updated time to time on TV, not only shown in special TV programme, but also appeared in real news programme together with news about Iraq or election in the Netherlands. Children may think that it is real story. Unfortunately, I didn’t follow they story day by day, because I didn’t have interpreter who is always ready for me to translate Dutch into either English or Indonesian. I don’t speak Dutch and I simply don’t know.

Kereta malam itu bergerak cepat, secepat melesatnya Burung Peregrine Falcon yang sedang terluka.

Samuel Barber sedang menulikan kedua telinganya dengan komposisi Adagio for Strings yang berulang-ulang mengalir melalui udara malam. Sebuah komposisi yang baginya seperti dibungkus dalam sekuntum kenangan. Kenangan tentang kematian di suatu senja di musim dingin, dimana ratapan air hujan merajam jiwa-jiwa yang sedang berduka.

“Aku sudah mati”, pikirnya. Lagu ini begitu dalam menyayat nyayat kenangannya. Sesaat kemudian huruf-huruf dari buku yang menemani perjalanannya membesar dan menebal. Tampak olehnya sebaris kata-kata ini : “He died while he was still alive.” kata-kata yang kemungkinan besar akan dipilih Paulo Coelho untuk menghiasi nisannya andai dia memilih untuk dikuburkan. Nyatanya dia ingin abunya diterbangkan oleh angin sehingga kebaikan boleh tersebar luas lewat hidung-hidung yang menghirupnya.

“Aku sudah mati”, pikirnya. Dan tanda-tandanya sudah jelas “Lot of people have stopped living, eventhough they continue working and eating, and carrying on with their usual social activities.” Semuanya berjalan bak mesin otomatis.

Ya, dia sudah mati. Dia hidup dalam penantian datangnya keajaiban tanpa menyadari bahwa keajaiban hadir setiap saat bersama datangnya hari baru. Dia hidup dengan terus menanti keajaiban tanpa mengerti bahwa setiap detik berikutnya jam hidupnya bisa saja terhenti.

He begins his words by the following words :

Be like the flowing river;
Silent in the night.
Be not affraid of the dark.
If there are stars in the sky, reflect them back.
If there are clouds in the sky,
Remember, clouds, like the river, are water,
So, gladly reflect them too,
In your own tranquil depths.