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"Summary: Kiyosaki believes that our educational system-- and poor job it does on financial education-- is what causes the gap between the rich and everyone else. In this book, he explains why savers are losers, debt and taxes make the rich richer, and why going to school, working hard, getting out of debt, and investing for the long term in the stock market is the worst financial advice for most people. Kiyosaki and Wheelwright share ideas on how to survive-- and thrive-- into the future"

"The purpose of this book is to provide a hands-on guide to finance and investment for academics with an objective of providing strategies to maximize income, minimize fees, and legally minimize taxes. There are many risks in finance and investment such as stock market crashes, inflation, corruption, fees and interest rates. This book stresses that stocks and bonds are the mainstay of most investors. Dividend-growth stocks mitigate the risk of inflation. In addition, they cost nothing once they are purchased, unlike mutual funds that have constant fees. The author explains how to find dividend-growth stocks whose payout increase exceeds inflation and how to compound quarterly in order to make projections for future growth in the number of shares or in the value of the capital itself. The author, in addition, discusses the value of bond funds and master-limited partnerships for an investment portfolio. Retirement income is a major concern for senior academics and the median level of retirement savings for those 55 to 64 is only $145,000, which is insufficient. The author stresses the need to mix dividend-growth stocks and closed-end bond funds to fund retirement as well as explains Roth IRAs, 401(k)s and other such tax-free forms of retirement financing. Finally, the book examines financial risks and shows how to mitigate them to the extent possible. "

"Penelitian ini bertujuan untuk mengevaluasi manfaat yang dapat diperoleh tenaga kerja dari penyelenggaraan program retirement security yang saat ini dikelola oleh Badan Penyelenggara Jaminan Sosial Tenaga Kerja atau yang dikenal dengan BP Jamsostek. Program retirement security yang ada di Indonesia saat ini merupakan hybrid program yang terdiri dari dua jenis program, yaitu program jaminan hari tua (JHT) dan program jaminan pensiun (JP). Penelitian ini merupakan penelitian studi kasus, yang menggunakan data primer dan data sekunder yang kemudian dianalisa dengan metode deskriptif analitis. Data primer diperoleh melalui survei kepada tenaga kerja dan wawancara kepada praktisi, sedangkan data sekunder diperoleh dari data-data mengenai program jaminan hari tua dan jaminan pensiun yang dipublikasikan. Hasil penelitian menunjukkan bahwa pada dasarnya tenaga kerja berharap bahwa program retirement security yang ada saat ini dapat menjadi sumber penghasilan utama untuk memenuhi kebutuhan dasar saat tenaga kerja memasuki usia tidak produktif. Sementara itu, dari sisi perhitungan yang dihasilkan dari formula manfaat jaminan jaminan pensiun yang ada saat ini, dapat disimpulkan bahwa tingkat penghasilan pensiun (TPP) yang dihasilkan oleh program jaminan pensiun saat ini belum dapat memenuhi standar replacement ratio yang ditetapkan dalam Konvensi ILO No.102 Tahun 1952. Nilai tersebut juga masih belum dapat dipenuhi meskipun telah memperhitungkan manfaat program jaminan hari tua di dalamnya. Dengan demikian, maka perlu dilakukan perbaikan penyelenggaraan program jaminan hari tua dan jaminan pensiun secara berkala dan bertahap agar skema penyelenggaraannya dapat memberikan manfaat yang optimal bagi peserta tanpa memberikan beban tambahan bagi Pemerintah.

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This study aims to evaluate the benefits that can be obtained by workers from the implementation of the retirement security program which is currently managed by the Manpower Social Security Administration, known as BP Jamsostek. The current retirement security program in Indonesia is a hybrid program consisting of two types of programs, namely the old age security program and the pension security program. This research is a case study research, which uses primary data and secondary data which are then analyzed by analytical descriptive method. Primary data is obtained through surveys of workers and interviews with practitioners, while secondary data is obtained from published data on old- age insurance programs and pension benefits. The results showed that basically the workforce hopes that the current retirement security program can become the main source of income to meet basic needs when workers enter their unproductive age. Meanwhile, in terms of calculations generated from the current pension security benefit formula, it can be concluded that the level of retirement income generated by the current pension security program has not been able to meet the replacement ratio standard set out in the ILO Convention 102. This value is still not fulfilled even though it has taken into account the benefits of the old age insurance program in it. Thus, it is necessary to improve the implementation of the old age insurance program and pension insurance periodically and gradually so that the implementation scheme can provide optimal benefits for participants without imposing additional burdens on the Government."