Ownership of Natural Resources .

Ownership of Natural Resources

In December 1968, an article titled "The Tragedy of Commons" by Garrett Hardin give new thought to the concept of natural resource management.
The article is delivered in this material.
The article presented a tragedy or a deterioration of quality and meaning of resources in the public domain, such as spaces along roads, rivers, lakes, green line, sea shore, meadow, and so on. No one alone have it (publicly owned) who is in need will take it without being responsible for managing, organize or arrange properly. Damage to natural resources due to lack of ownership, so that almost all people become 'free passengers' sense of belonging and who may use these resources. As a result, everyone benjadi cause damage to the resource.
Natural resources are available for common needs. Damage has implications for all human nature and other creatures. The article said that personal benefit can be harmful to others. Then who ensure that existing resources can benefit all? In the end we need a concept of "ownership" that is able to assign responsibility for the sustainability of the natural resources. Further questions, who should be responsible? Private or state? In any benefits that we get from the natural resources, there is a "price" we pay. But what about that can not afford? Who is subsidizing? These questions spawned the need for rules on access to natural resources, what can be done on these resources, as well as who should be involved?
As a basis for building a system of natural resource management, the natural resource is categorized into three state-owned property (state property), communal (communal property) and personal property (private property) (Usman, 2004:14). In the concept of state ownership, all natural resources are controlled by the government and regulated through rules and regulations issued based on authority owned. Communal property, natural resources are controlled by a particular ethnic group on the basis of
customary law prevailing in the society. In the category of private property, natural resources controlled by individuals or corporations. Reference formal control of natural resources in Indonesia, based on Article 33 paragraph (3) of the 1945 Constitution despite the constitutional reference is inviting various interpretations and understandings. Implicit message of the Constitution is that.

EXTERNAL FACTOR AFFECTING LEARNING EDUCATIONAL PSYCHOLOGY Part 2

CHAPTER II

                                 EXTERNAL FACTOR AFFECTING LEARNING

Physical development of the child is the basis for subsequent developments. With
increasing development of the body, a good size weight and height and strength
allows children to develop physical skills and exploration
their environment without the help of parents and others in the vicinity.
The development of children during their development will be influenced by the
several factors are summarized in the two factors of internal factors and external factors.
Success or failure of a person to learn due to several factors that
affect the achievement of learning outcomes are derived from within the learner (factor
internal) and some are from outside the learner (external factors).
According Slameto1, external factors that affect learning, namely:
1. Family Factors
Family is an environment that consists of the people closest to the
child. Lots of time and opportunity for a child to meet and interact
with his family. Encounter and interaction is certainly a great effect
for a person's behavior and achievement. Conditions of harmony in the family can give
stimulus and a good response from the child so that the behavior and performance to be good.
Conversely, if the family is not harmonious or broken home will have a negative impact
student progress, behavior and achievement tend to be stunted, and will appear masalahmasalah
in behavior and prestasinya2. In a family environment factor that is necessary
note include:
a. Home atmosphere
Home atmosphere intended as circumstances or events that often occur in
in families where the children are and learn. The atmosphere is also a factor
important factors does not include intentional. So that children can learn well need
runah atmosphere created a calm and serene than children feel at home, kids
also can learn well.
b. Learning facilities
Economic condition of the family closely related to children's learning. Children who are
learning in addition to unmet basic needs ie food, clothing, shelter and
Health, also requires learning facilities such as classrooms, desks, chairs, lighting,
tulismenulis tools, books and others. Learning facilities that can only be fulfilled if
families have enough money. That way students will feel calm and comfortable as
all needs are met, so that students can concentrate in
learning.
1) Encouragement parents
Parents should be able to create the conditions for harmony in the family and give
encouragement to the students at the school or it could be an award given for achievement
gained students, as hyper students to learn in order to get the achievement
well in school.
2. School Factors
School is a vehicle berlangsunng educational activities and processes. In school
organized educational activities, learning and training. In school values ​​of ethics, morals,
mental, spiritual, behavior, discipline, knowledge and skills, and implanted
developed. Therefore, the school became the dominant vehicle for influence
formation of attitudes, behaviors and achievement of a student. School is an environment
structured education, have a good system and organization. If schools can
create relationships and good communication, using learning methods
active-interactive, provide a means of supporting learning, creating an atmosphere of order and
discipline, will be able to encourage students competed in the study, which is expected
can improve learning achievement siswa4. In a school environment factors that need to be
Teacher
Guru is a human element in the process is absolutely necessary existence
learning. Teacher quality is an important factor in determining the quality of learning in
school. With scientific held, teachers can make their students into the
successful. Each teacher has their individual personality and personality is recognized
as an aspect that can not be excluded from the framework of teaching and learning success.
The influence of personality pattern of teacher leadership while performing duties in
classes. As follows:
1) How to teach teachers
How to teach teachers to be systematic and clear with variations in
delivery so it is easy to remember and understand the student. How to teach
teacher is the teacher in the delivery of course material in the process
learning in school.
2) Frequency of duty
The task is work to be done and done. Assignment
used to streamline the lessons given, demanding independence
students to learn and to know the understanding of the material.
3) The presence of the teacher
Teacher attendance is absolutely necessary therein. If only the students,
but the teacher is not there, then there will be no teaching and learning activities
school.
4) The method of delivering teacher
The method of teaching is taknik delivery of content. In the delivery
materials, teacher tidah should fixate on one method alone, but instead must
using a variety of methods so that students do not get bored.
Learning Resources / Literature
Literature is a source of learning materials that are used to help
smooth learning. The lack of literature / reading materials in the quantity and quality
make a presentation of learning that is not good. Things to note in the source
literature, as follows:
1) The number of textbooks
Textbooks (grip) students held to improve learning outcomes
students. The availability of the required textbooks students can help students
understand the subject matter being taught. With ownership of textbooks
students can learn about a lot of things related to the subject matter.
The material of the students have not understood the teacher's explanation may be reassessed
in textbooks.
2) availability / completeness literature books
Availability / completeness of literature books to improve student learning outcomes.
In addition to textbooks owned by students, schools should also provide
other reading sources yan can broaden students' horizons and can
support student learning outcomes.
3) Ownership LKS / supporting books
By having worksheets can help students to understand the subject matter
taught, because students can work on the problems in the LKS means
students train themselves to master the material provided by the teacher.
c. Extracurricular activities
The participation of students in extracurricular activities is very good as a means
channeling the talents, knowledge and practice of development for the organization.
d. State (space) Class
The state of the class include:
1) The class
Classroom is a place where students learn. If the place is conducive learning
and a quiet place to study will allow students to concentrate.
2) Facilities and infrastructure class
Class facilities and infrastructure that will allow a student to complete the
Facilities and infrastructure incomplete lessons make presentation
lessons are not good, especially on subjects that are practical.
e. Curriculum
Curriculum is defined as the number of activities provided to students. Activity
It was mostly present learning materials that students receive, retain and
develop materials that lesson. Curriculum unfavorable effect is not well
to learn. It is important in the curriculum:
1) The degree of difficulty of material
Difficulty in learning is the inability of the student in understanding the material
lesson, it can stimulate the curiosity of students and make students
active in order to understand the lessons learned previously not
understand. 5 Difficulties in lessons in self-motivation will cause
students to be able to overcome such difficulties. Difficulty in learning
jugamerupakan a challenge for students to master the subject
and will have a good learning outcomes.
2) The composition of the subject matter
Teaching materials is a substance to be delivered in the activities
teaching and learning. A balanced composition of the subject matter would cause
easy for students to learn.
3) School Time
School time is the time of the teaching-learning process in schools. Time
it can be morning, afternoon, evening / night. Choosing the right school time will
a positive influence on learning.
4) Hours lessons
Choosing the right school hours will give a positive influence
Lessons are given in the morning is better because the physical conditions
still fit and your mind is still fresh, than in the afternoon or evening
his condition was tired / weak that it is difficult for students berkonsentrasi.6
f. School Discipline
1) Frequency of late entry
Form of misconduct that often occurs is too late present. Discipline of students
school appropriately demonstrated its readiness to follow
lesson. Students who are late to class will miss the material, not ready
receive materials having to adjust to and interfere with other friends.
2) Timeliness collect duties
Timeliness in collecting the assignment indicates that the student is
have a great motivation toward learning and the student has
good discipline.
3. Factors Society
Communities around the student greatly affect student learning. Communities
consists of people who are not educated and have good habits will
effect on students. Students will be keen to do as did the people
in the vicinity. Consequently impaired learning and even children will lose the passion for
study because the attention focused on the lesson moved to deeds
always made the people around him.
Conversely, if the children are the ones who are well educated,
educate them and send their children, excited by noble ideals will be the
front of the child, the child will also be affected as well to the things done by the people in
environment, so it will act like the people in the neighborhood. Influence
it can encourage students to learn more giat7. Such state of the environment,
infrastructure building, the atmosphere around the well will be good, and so on.
So is the state of the public also determine achievement. When in the vicinity
lived state of society consists of people who are educated, especially children
his high school average and moral good, this will encourage more active
According Dalyono 8faktor ekstenal factors that affect the achievement of learning outcomes
are as follows:
Family
Family situation is very influential in the success of the child. Parental education, status
economy, home, relationships with parents and siblings, parental guidance, support
parents influence children's learning achievement.
School
Places, schools, quality of teachers, the classroom, school friends relationships, ratios
number of students per class, also affects children in the learning process.
Community
If communities are educated people and good morals,
especially their children. It can be a trigger for a child to study harder.
4. Surroundings
Building a house, the atmosphere around, traffic and climate conditions can also
affect the achievement of learning objectives.
According Syah9 external factors that affect student learning, namely:
Social environmental factors
School social environment, such as teachers, administrators, and classmates can
affect a student's learning process. Well as between the third harmonic relationships can
a motivation for students to learn more baikdisekolah. Behavior sympathetic
and can be an example of a teacher or administration can be a driving force for
students to learn.
Massyarakat social environment. Environmental conditions of the area around the student
will affect student learning. Students a rundown neighborhood, many unemployed
and neglected children can also influence the activity belajarsiswa, most students
difficulties when friends need to learn, discuss, or borrow the tools to learn
dimilkinya who happened yet.
Family social environment. This environment greatly affects learning.
Tension family, parental characteristics, family demographics (the houses),
pengelolaankeluarga, everything has an impact on learning activities
Relationships anatara family member, parent, child, brother, or sister who
harmonic activity will help students learn.
Non-social environmental factors.
Natural environment, such as the condition of fresh air, not hot and not cold,
light is not too harsh / strong, or too weak / dark, cool atmosphere
dantenang. The natural environment mmerupakan factors that can
affect students' learning activities. Conversely, if the condition of the natural environment is not
support, student learning will be too late.
Instrumental factor, namely the learning that can be classified two kinds.
First, the hardware, such as school buildings, learning tools, learning facilities, field
exercise and so forth. Second, the software, such as the school curriculum, peraturanperaturan
school, bukupanduan, syllabus and so forth.
Factor the subject matter (which is taught to the students). This factor should be adjusted
with a developmental age of students as well as teachers' teaching denganmetode,
disesuaikandengan student growth conditions. Therefore, in order that teachers can
provide a positive contribution to the activity belajr students, the teacher should
mastering the subject matter and teaching methods that can be applied in accordance
with konsdisi students.
According to Merson U. Sangalang10 factors that affect student success
in achieving good learning outcomes are:
External factors, including:
Family environment factors
Social factors
Factors schools
Factors supporting facilities study
Theories of academic achievement above it can be concluded that the achievement of learning
been affected by external factors students .. External factors are factors that affect
learning achievement of students from outside the student. Especially the environment
According to Sartain is the environment (environment) is that all of the conditions in the
this world in a certain way affects our behavior, growth,
development or life processes except our genes and even genes can also
seen as preparing the environment (to provide environment) for other genes.
Our actual environment (which is really just the factors in the world around
we were not really affect us, Sartain environmental divide into 3 parts:
The natural environment / outside (external or physical environment), the natural environment / outside is
everything that exists in this world that is not human.
The environment (internal environment), Environment in is anything that is
including the external environment / nature. The food in our stomach is said to be
between the external and internal environment. Foods that are digested and absorbed into the
the blood vessels actually belong to the internal environment
Social environment / society (social environment). The social environment is all
person / people that influence us. The influence of social environment there that we
received directly was indirect. The direct effect of such relationships everyday.
Indirect such as radio, television, magazines. Our personality is
result of the interaction between genes and our social environment. Because of this it intersaksi tiaptiap
uniquely human, each person has their own personality different
each other
If we connect anatara carriage / descent (Heredity) and the environment in terms of
influence on human development, then: the properties and our character is the result
interaction between nature (Heredity) and our environment.

CHAPTER III

                                                          CONCLUSION
economy, home, relationships with parents and siblings, parental guidance,
parental support, greatly affects the learning achievement of children.
Of the many factors that must be considered, of course not 100% there is a situation that
can be done as a whole and perfect. But trying to fulfill
perfect as possible is not a factor that is impossible to do.

EXTERNAL FACTOR AFFECTING LEARNING EDUCATIONAL PSYCHOLOGY .

Section (I)
Individual development is a process of constant change throughout
living individual. This development is a blend tenagatenaga
original from within the individual and the power of external (environmental). From the second power
mentioned above, there are two possibilities that will occur in individuals, both power
The individual can make it evolve smoothly without interruption called
a positive development, or fully developed and disorder called
negative developments.
In humans both children and adults, there's psychiatric symptoms
this is of course closely related to psychology. In the psychiatric symptoms are sensations and
perceptions, which in both there is a difference. Every child has the advantage or
particular strengths and weaknesses of course. It is certainly necessary
excavated in order to self-realization and all the talents and abilities can be developed in children.
Parents and teachers can help the child to satisfy his need for self-realization.
Personal development of children will be obtained through a learning process in which the learning process
This will increase the personality and seeks to acquire new things
can improve and enhance the contradictions in life.
Thus the development is the result of factors that influence
on the lives of the individuals concerned for his life. Both of these depend
of how individuals respond to and influenced by how the environment
serve. Similarly, the influence of achievement in learning is a dream for every
parents for their children. Good performance would be obtained by the learning process
good too. Learning is a process of something that can not be possible, from the behavior
old to new behaviors, from old to new understanding of understanding.
In the process of learning, the main concern is how the child should be
adapting to the environment and existing stimuli, so that there is a reaction
arise from children.
Reactions were conducted is an effort to create learning activities as well as
finish. So that will get the results that lead to changes
in children as well as adding new knowledge.
From the description above it is clear that learning is an important activity for children,
even for adults though.
The need for attention to environmental factors can influence the learning process. Atmosphere
comfortable and conducive learning result will be better. Included also
active mental processes are often trained for, so it will be an activity
accustomed.
There are so many factors that can affect the achievement of learning outcomes or
achievement. Parents also need to know what are the factors that can
affect the learning process of their children, so that parents can identify the cause of
and supporting children in achievement. Here are the factors that need to be considered,
one of the important factors in addition to internal factors that affect learning is a factor
external.

Tips On How To Deal Cost of Education

Education in Indonesia is still an expensive investment, for it
Good financial planning is necessary, if you want to plan
education is good for the baby should be planning funding
early education. Education funds could begin to think about and be prepared
since the child was born to set aside part of our regular income each
month or at a specific time on a regular basis.
Every turn of the parents of the school year, have been facing the
issue of education costs. Especially when there are children who will enter
higher education, then they should be prepared grope
deeper pockets. Many parents or even children who
suffer stress when they have to get a new school for
education to a higher level.
Children kindergarten must attend primary and secondary school
The first level, high school, then to college
tinggi.Selain must provide a certain amount of money as tuition
(Even often must be coupled with voluntary donations),
also had to move some families money to buy books
lessons and new school uniforms.
As parents, we certainly agree that education has a role
the future of their children. So as to obtain
best education possible, then sending their children up to the next level
The highest education is one way that the child is able
financially independent future. However, the high cost of education today
coupled with the rising cost of education from year to year often
make the parents are not able to provide the education fund
in times of need.
Moreover, if the question is the quality of education. Favorite public school
now even school fees are not much different from a private school.
Moreover, with the intention that their children get the best education
internationally minded, some parents are also willing to
send their children abroad. For those of you who have attended
abroad will remember how much the cost of living while studying there about the same
magnitude of the cost of education itself. The experience shows
that when you send children out of the country soon, the amount to be
You will spend a lot bigger.
Then, true education is still a luxury item? Called
luxury because for most people, education is still seized
enormous costs to be difficult to fulfill. Mainly by the
lower middle with limited finances.
When paired with the primary needs and the cost of living is increasing
expensive, of course, the need for long-term education
and not so urgent became increasingly sidelined.
Load parents to prepare for such a huge fund for
pay school tuition is pretty big to
paid at once. Due to anticipated high cost
education later then one way is to prepare
education funds far in advance.
To prepare funding education costs, many of which can be
do the parents. Broadly speaking, alternative funding sources
financial planning face a new school year there are five, namely:
1.Menabung through banking services.
Education savings, which is a combined form of deposits,
insurance, and savings. The difference begins with a cash deposit
a large base, while education savings to pay the deposit
to get a "base money" is greater. And different
with regular savings, because it can not be taken before the fall
tempo (like insurance and deposit). Interestingly, although the shape
education savings, but there are also secured by the
insurance coverage.
So when the deposit is supposed to do all the time
agreement is not reached, will be borne by the guarantor, deposit
will continue monthly until maturity when parents depositor
had an accident and could not continue the payments.
2.Membeli insurance products that contain elements of savings.
Insurance education, forms of guarantees against losses, gains
using this funding source if the planned time
right or there is a risk that appears in the "journey". Usually
model used for families who have a high risk, call
Any parent with a higher-level job kecelakaanya.
3.Mempersiapkan themselves by investing.
In addition to savings and insurance education then you can also
prepare yourself by investing in a
other investment products such as mutual funds. You can do
regular deposit investment per month, or at the desired time.
4. By taking a short-term loan.
Though not very commonly used for education funding,
but some people still use them, such as
unsecured loan products issued by banks. Card
credit. Financial resources it is possible, although
mungin payment will be a new problem. Besides flowers
high when mature, also the level of risk is big enough.
Pawn your valuable possessions such as gold jewelry to
pawnshops, also one of the sources of financing for
various urgent needs, such as paying
Basic school children. In urgent circumstances, which are not available
sufficient funds to pay for education of children with
immediately, then take out a loan to another party can be one
an alternative,
5. By selling assets.
If you have savings in the form of paper (paper assets)
such as mutual funds, stocks or other assets in the form of the form
like gold, land. Vehicle or other valuables can be
considered to sell it if it is not available cash funds
enough to pay for children's education.
The principle of the 5 alternatives prepare education funding, all
runs only live weigh the benefits and
disadvantages. By preparing pendiikan funds in advance or
either through early, education savings, insurance and education
prepare yourself, allow parents to design
education of their children.
Not just from the pattern and the desired educational system, but also
quality of education are closely associated with the cost of education itself.
Parents can determine early on as a long-term education
what they want for their children. Once had a prediction
required and the amount of cost and design to meet the
count umpteen time.
Conversely, if the preparation of education funding is not done in advance
previously, aka impromptu, perhaps each time you want to pay child
school tuition, again you have a frenzy. If it
so, maybe alternate number 4 and 5 you can consider as
solution.
In the end as long as the government has not been able to demonstrate its commitment
to guarantee free education for the people, then the decision to
invest in children's education fund the preparation and participation of parents
in designing education for their children is enormous. Whatever
investment products are used, preferably educational investment products
must be designed in such a way as to give priority to
interests of the child and able to provide proper benefits when
needed.
4 Easy Steps Preparing Education Fund
Preparing education funding nor the origin of saving, lest
even if you are tired of saving the funds collected are not quite as well.
To make it easier to prepare your children's education fund,
The following are the steps - steps that can be executed:
1.Menentukan needed funds target lower secondary People
parents only know the high cost of education today, but forgot
estimate how much the cost of future education. So that
although it was already saved but the funds were not
sufficient time will be used. Target education funds needed
is equal to the estimated future cost of education, and to
estimate, do the following 2 things:
Find information on how much it costs today for each - each level
education that will pass your child (kindergarten, elementary, junior high, high school,
University, S2) Suppose the cost of money entering kindergarten today is USD 5 jt
and your child will be entering kindergarten four years.
Calculate how much it costs the future of education, assuming Multiply
rising cost of education per year until your child is in school.
Suppose the cost of money entering kindergarten today is USD 5 jt and your child
will enter kindergarten 4 years while assuming an average cost increase
education per year is 10%, then 4 years later it costs money
kindergarten base had been increased to Rp 7,350,000, -
2.Menetapkan way education funding target. There are 2 ways
which can be selected to achieve the target of education funds, namely:
a. Conduct regular monthly payments into an investment product,
for example: - Saving regularly into regular savings, savings
education or a deposit in a bank, invest monthly to
fund products, or take out insurance education.
b. Saving or investing once in the face with
cash held today.
3.Melindungi investment of risk. The loss of the ability of the elderly
to earn an income due to death, injury or illness
severe, can cause deposits to fund education routine stops.
In anticipation of the risk - this risk, it would be prudent
When you take out insurance if you are taking out insurance
education or education savings that also benefit
then the auto insurance fund your children's education is protected.
This means that if one of the above mentioned risks occur then the
insurance will continue preparatory education fund for children
You.
But if you save yourself then you should take
life insurance, accident insurance and critical illness insurance, with
large amount of insurance money if the sum assured
are put into a savings or investment product
the results of interest can be obtained to pay for regular deposit funds
your child's education.
4.Melakukan evaluation and revision to ensure that the target funds
education should be achieved then chill the financial plan
the run is evaluated at least once a year. This is done
because the assumption of interest rate savings, deposits, insurance and
other investment products could have changed Similarly, the assumption
rising cost of education per year, so the possibility of
discrepancies between the assumptions used to reality
could actually happen. As a result you may be able to achieve the target
education funding chill but can not. With
Routine evaluation it will be known whether the plan
finances are met tergetnya or not, so if you have not
can be done revision or improvement plans.

Tips On How To calculation of the cost to the school .

How to predict with certainty how many
Future cost of education of our children. All we can do is to
using certain assumptions, and hope that the supposition is
do not miss. For example, we can use the assumption that every
Tuition year will always rise by 10 per cent every year.
Average.
Thus, if for example Money Kuala enter high school at this time
was $ 4 million, next year could be expected that the Exchange Niagara
will be Rp 4.4 million, -. Where did that figure come from?
Easy: $ 4 million + (10% x $ 4 million)
Just multiply
Actually, in addition to the above, you can also use the following formula: X $ 4 million
1.1.
Why, why 1.1? Where it can be? Oh, it's just simple math.
1.1 is the same as 10% on it 100%. So, 1.1 it is a form of
decimal order to you faster in doing multiplication estimate
Tuition amounts.
But if you want to use the hypothetical 20% increase in education costs per
years, then you can use the decimal form 1.2. If the assumption
His education costs are rising 30% per year, use the form
decimal 1.3. And so on.
Now, back to the example of a 10% increase in one year, then when the year
Kuala enter high school this money is $ 4 million, then the next year the number
are expected to be: $ 4 million x 1.1 = Rp 4.4 million.
That's for next year. Then for the next two years how? You
mentioned above could do multiplication by repeated until
twice, like this: $ 4 million x 1.1 x 1.1
If for the next five years how?
Multiplication is repeated five times, like this: $ 4 million x 1.1 X 1.1 X
1.1 X 1.1 X 1.1. Then for the next 12 years? Repeat up to twelve times.
Indeed, the name Education Cost estimates often can not
calculated by a simple as that. But it did clear estimate
still better than none at all. By the numbers
estimates as we have learned in the earlier, then you can be more
easy to prepare. Is like you are on the go, you
know with certainty which direction you are headed.
So, if you want to prepare for your child's education fund, it
The most important thing is to do the calculations on how much
approximate amount of your child's education costs later. Thus, it will
easier for you to set the strategy to be ready when it comes time
later.

Taking Education (Need Foundation funds / Money)

What is imagined when you see a child go to school? Sure: money
school. And despite busy to attend school issue has long
passed, funding for education preparation nonetheless you should provide.
Do not get when it was time children enter school, your new shock
when you know the fund was not enough. There are three important factors that
You can be successful in preparing for the child's education fund.


 

 

1. Period
Duration is how long do you have to be able to
prepare for your children's education fund. Is 5 years? 10 years?
Or is it only 1 year? Do not forget, the longer the period of time
You have, usually the more light your burden.
A simple example, if children go to school about 10 years. He needed
money to go around school say USD 50 million that year.
Well, if you are saving from now, then the amount you
tube is usually not much. Different if you start saving
in year 5, or in year 7. There must be much larger.
If you do not prepare the funds at all, and just do it
in the final months before your child's school, weight wow.
That is, if you now have sufficient funds, it does not mean that
a guarantee that you will surely have sufficient funds as well
when your children go to school, because of the risk of what could happen in
Your trip later. Right?
There are only two things you can do: prepare from now, and if
You already have most of their funds are now separated only funds
education in a separate post. Remember, prepare for incoming funds
different schools to prepare funds to buy a car. If you buy
car, the fund is not enough, you can postpone the plan. But if
for school children, you have to rewind time cook go to school?


2. Investment Products
Most people opt for Insurance Education
preparing fund their children's education. There is also a pick
Education Savings. Education Insurance issued by the company
insurance, while the Education Savings issued by the Bank.
Alternative investment products other than gold. Sure, gold has properties that
different because of the advantages that you will get is worth the
can go up and down. In addition, the new benefit will be obtained when you
successfully sell your gold back. If not, yes profits have not
at hand. Still on paper.
Another alternative is quite a lot, such as stocks or mutual funds. The difference, in
stocks or mutual funds, you generally risk could be larger. And again,
most people also do not understand what it is about mutual funds.
In principle, all investment products that are likely to be
provide interest (such as savings or deposits) or the rise in value
(Such as stocks or mutual funds) can be used as an alternative investment
to prepare for the children's education fund. Of course, any product
investment has advantages and disadvantages of its own, as well as the risks
different. Importantly, trying to identify the product before it goes into
it. Do not you do not understand the product, but direct entry
into it. I could have your money runs out.


3. Protection
The third thing to consider is whether your investment product
have protection. That is, if something happens to you (like
death, accident, sickness and the like), then you investment products
can continue to provide results and profitable for you.
Especially for the money you are saving by taking
of income you get physically.
For example, you currently work with a salary of Rp 2 million per month. Of the total
are you taking about Rp 300 thousand per month for the saved.
But, when something happens to you, such as death, then there
chances are you can no longer work. By itself, the salary you
get well quit right? Then, where your partner can take
Rp 300 thousand per month regular savings?
At the point where you have protection. The meaning here is when the protection
something happens to you, then there will be a third party that will remain
'Menabung' the money of Rp 300 thousand was for you, so that automatic funds
for your child's education can be fixed later collected.
If you already have an investment product in preparation for education fund
child, and you menabungkannya of the monthly salary, you live
add a protection that can take from a company
insurance. But, if you do not have the investment product, there are no words
others, you have to set it up. And as an alternative, these products
such as education or education insurance savings is directly
has an element of protection in it. Congratulations to prepare funding
children's education.