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Many Indonesians aged 30–50 are in a challenging position. They support the needs of aging parents while raising children and building their own future.
This condition is known as the sandwich generation, a generation caught between two financial responsibilities at the same time.
This burden is often considered normal as a form of devotion to parents. However, without proper planning, the cycle can continue to repeat. Children who see their parents struggling financially today are at risk of experiencing the same situation in the future.
The good news is that this cycle can be broken. With the right strategy, you can become the last generation that has to bear responsibilities in both directions at once.
Unlike manual cars, where the driver must shift gears manually, an automatic car transmission changes gears automatically based on driving speed and pressure on the gas pedal.
Although driving an automatic car is simpler, understanding the letters and numbers on the gear lever is just as important. In this article, we’ll go through each symbol and explain how to use it correctly.
The P or Parking position locks the transmission system, preventing the car from moving.
This mode is used when the vehicle is completely stopped, especially when parking, to avoid unintentional movement on uneven surfaces.
The R or Reserve position is used to move the car backward. Before anything else, you need to make sure the car has come to a complete stop before shifting into reverse.
It is because it will help to prevent any damage to the automatic transmission and will help with longevity.
The N or Neutral position keeps the engine running but does not send power to the wheels.
In this mode, the car can still be pushed forward or backward. Neutral is commonly used for short stops, such as at traffic lights or in traffic jams.
This position is also useful for parallel parking, allowing the car to be moved if necessary.
The D or Drive position is one of the most used on the transmission system, and its function is to move the car forward.
In this mode, the automatic transmission shifts gears smoothly depending on acceleration needs and driving speed.
This is the most commonly used gear while driving since the driver only needs to control the gas and brake pedals without worrying about gear changes.
The 2nd gear position limits transmission shifts to the second gear only.
This mode is ideal for driving on light uphill roads or mild downhill slopes. By restricting the gear to this position on the transmission system, the car can generate enough power while maintaining stability.
The 1 or Low gear on the transmission system is used for heavy-duty driving conditions, such as steep inclines or declines.
At this position, the transmission locks into first gear, providing maximum torque for climbing hills or controlling speed when driving downhill for safer handling.
The Shift Lock is an additional feature that allows the driver to move the gear lever from P to N even when the engine is turned off.
This is especially useful when parking in parallel, as it allows the car to be moved without starting the engine.
The shift lock ensures the wheels are not locked, making it easier to reposition the car when needed.
Understanding the meaning of each gear symbol in an automatic car is essential for safe and efficient driving.
By using the correct gear in the right situation, you can protect your transmission system while ensuring a smoother driving experience.
*PT Lippo General Insurance Tbk is licensed and supervised by Financial Services Authority (OJK)
Today, insurance is no longer an unfamiliar concept in Indonesian society. However, despite its popularity, many people still do not fully understand the actual purpose and benefits of insurance.
In practice, insurance plays a fundamental role in the financial pyramid. It sits at the very base, serving as a form of protection for individuals and assets to help maintain financial stability and long-term well-being.
To help MyProtection friends better understand what insurance is, along with its objectives, benefits, functions, and various types, let’s explore the explanation below.
Hi, Sahabat MyProtection!
Mengelola keuangan memang bukanlah hal sepele. Salah-salah, arus keuanganmu malah bisa terhambat jika pengeluaran tidak dikontrol, terlebih jika pengeluaran lebih besar dari pendapatan. MyProtection punya tips mudah untuk mulai merapikan strategi keuangan pribadimu.
Mengeluarkan uang tanpa perencanaan yang baik bisa jadi berbahaya, lho! Karena bisa saja kamu melakukan pembelanjaan berlebihan atau malah mengeluarkan uang untuk hal yang kurang penting. Oleh karena itu, setiap awal bulan atau setiap kamu menerima pendapatan, disarankan untuk membuat skala prioritas pengeluaran serta besarannya. Misalnya, gaji Rp 6 juta yang kamu terima tiap bulan diatur sedemikian rupa sehingga 60% dialokasikan untuk pengeluaran pokok, 20% untuk hiburan, dan 20% untuk tabungan. Menentukan limit pengeluaran juga mencegah kamu melakukan overspending atau memnghabiskan uang lebih dari batasan seharusnya.
Selain menentukan jumlah pengeluaranmu tiap bulan, pastikan kamu menyisihkan uang untuk tabungan, dana darurat, dan asuransi. Jika kamu masih lajang, sebaiknya kamu menyiapkan dana sebesar 3 bulan biaya hidup. Sedangkan jika kamu sudah berkeluarga, maka siapkan dana sebesar 6 bulan biaya hidup. Tujuan menyiapkan dana darurat adalah memastikan kamu memiliki cadangan uang jika terjadi hal tidak terduga di masa depan, seperti terpaksa berhenti kerja, membutuhkan biaya berobat, atau keperluan mendesak & esensial seperti biaya pendidikan anak. Kamu juga bisa memilih asuransi untuk mengalihkan risiko kerugian finansial karena sakit. contohnya, Perlindungan Kesehatan Prima menawarkan premi asuransi kesehatan terjangkau mulai dari Rp 3 ribuan/hari/orang dan kamu bisa mendapatkan manfaat rawat inap & jalan hingga Rp 200 juta/tahun!
Setelah dana darurat terkumpul, langkah selanjutnya adalah belajar investasi! Salah satu strategi untuk menambahkan nilai asset atau uang yang kamu miliki adalah dengan berinvestasi seperti saham, reksa dana, bahkan properti. Kuncinya adalah memilih strategi investasi yang aman, legal, dan dapat kamu pahami. Jangan sampai kamu invetasi karena ikut-ikutan artis di media sosial, ya! Pastikan kamu mengerti dengan baik instrumen invetasi yang kamu pilih. Jangan mudah tergiur dengan investasi yang menjanjikan keuntungan besar dalam waktu singkat. Apalagi berita mengenai investasi bodong sedang marak akhir-akhir ini.
Sahabat MyProtection pernah dengar istilah self-reward? Self-reward adalah kegiatan mengapresiasi diri sendiri setelah bekerja keras dengan cara membeli barang baru, liburan, dan lainnya. Hal yang perlu diperhatikan adalah jangan sampai kita menghabiskan banyak uang dan waktu untuk mendapatkan kesenangan sementara. restoran mewah. Bahkan, terkadang kita bisa menunda kesenangan sesaat untuk mendapatkan reward yang lebih besar. Contohnya, menunda liburan ke Bali untuk mengumpulkan DP membeli rumah.
Salam,
Sahabat MyProtection
