[wanita-muslimah] What to Do If Planning for A Doomsday Prophesy

 

Netters, kalau terjadi dunia kiamat tgl 21 atau 22 december yang akan datang, harta Anda yang bertumpuk-tumpuk dan berlebih-berlebihan banyaknya tidak bisa Anda bawa ke dunia seberang, tidak ada tempat harta duniawi.  Maka oleh karena itu disarankan agar Anda seorang berhati penderma amal bukan hamal, jadi sebaiknya setelah Anda membaca coretan ini mulailah lakukan expedisi harta  amal milik  untuk menghibur dan menyenangkan tentangga, kenalan, sobat, selir dan gundik atau siapa saja yang membutuh kehidupan layak. Anda tentu akan bangga dan bersyukur apabila Anda melihat orang lain senang, gembira dan senyum manis, berkat amal Anda yang generous itu. Ingatlah bahwa beramal itu berlaku adil dan keadilan lebih dekat pada takwa.

 

http://www.thejakartaglobe.com/lifeandtimes/what-to-do-if-planning-for-a-doomsday-prophesy/558116

 

 

What to Do If Planning for A Doomsday Prophesy
Colin Bloodworth | November 27, 2012

 

Less than a month to go!

According to interpretations of an ancient Mayan prophesy, the world as we know it will be coming to an end on Dec. 21. The cause would likely be an astronomical alignment resulting in the heating up of the earth's core giving rise to massive earthquakes and tsunamis. Had the Mayans foreseen the effects of global warming or the spate of natural disasters we have seen since the turn of the century? Or perhaps anticipated total traffic gridlock in Jakarta?

Either way, we had better start ignoring conventional wisdom and begin adjusting our financial planning for the event.

Cash in the bank

Sound financial planning requires maintaining healthy cash reserves at all times. The financial meltdown in late 2008 was the result of a drying up of liquidity. Companies became insolvent and individuals lost their homes because they ran out of money and had no assets that could be turned quickly into cash. If you have large cash reserves now, however, it will be far better to spend them. Buy luxury cars, splash out on expensive holidays and generally eat, drink and be merry.

Credit cards

I have always advised people to pay their credit card bills on time and in full to avoid the outrageous interest charges. No need to bother anymore; just spend money and run up as much debt as you can, pay nothing and when the threats start to roll in simply obtain a card from another provider, get a cash advance and pay the minimum on the first one. The banks will bend over backwards to give you as many credit cards as you like.

Life and medical insurance

It seems a shame to be paying a couple of hundred dollars or a few hundred thousand rupiah a month on life insurance when you could be spending the money on fun things. You now have the perfect excuse not to take out that policy. In any event, if 90 percent of the world's population is going to be wiped out, insurance companies are unlikely to pay anything. If you have a policy, cancel it! As for medical insurance, the companies are unlikely to honor claims as the date approaches so why bother? Medevac to Singapore? — Forget it. The tsunamis are expected to reach the Himalayas.

Real estate

Now is your chance to pick up far more real estate than you can afford. Just pay whatever you can scrape together for a deposit and borrow the maximum. Exaggerate your earnings and hide your liabilities. The big lenders don't care as long as the paperwork looks good. Be careful if you are buying land; once the earth's crust has stopped moving you could find the plot you bought in Jakarta or Bali is now in the middle of Australia. This could give rise to building permit issues.

Savings and retirement plans

Recent events have shown us the fragility of the global financial system and how we must build up a much larger asset base than was previously thought necessary.

But with Dec. 21 looming there is no point in starting that savings or pension plan. If you have one, stop making contributions. Cash everything in if you are able to. Don't worry about the penalties; just enjoy the proceeds while you can.

Surely this cannot be serious advice

Indeed, I would not wish anyone to take this advice seriously. Yet incredibly, I have to say that I meet people who are following the suggested doomsday strategies.

Yes, there are people who run up massive credit-card debts, who keep little or no money in the bank and who have little or no life insurance even though they have families who would be impoverished if they were to die. There are many who have no medical insurance or the means to meet the potential cost of a serious illness or injury.

There are others who have run up huge mortgages on properties in countries where values have fallen below the amount of the loan. There are even more people making little or no provision for their needs in retirement.

For all these people, the end of the world might as well be around the corner. For everyone else, let's keep those financial planning structures in place as there is a good chance the Mayan prophesy was misinterpreted and we will still be here to celebrate Christmas and the New Year!

Colin Bloodworth, director of PPI Indonesia, has spent over 20 years in Indonesia. If you have any questions on this or a related subject you can contact the writer at indonesia@ppi-advisory.com

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