The importance of Doing Financial Plan

invest3When you have been able to generate their own income, be sure to take advantage of the best income. Do not let your hard work be wasted on things that are not obvious like spending money for shopping luxury goods or goods other desires. It would be better if you set aside a percentage of your income to make financial plans as well as saving money, insurance, investment, or so forth. The reason?

Divert loss

When you choose a life insurance, health insurance, or property insurance means you’ve done the transfer losses to the soul, the self, and your possessions. You will provide temporary income to the families left behind when purchasing life insurance, you will eliminate the cost of medical and hospital care when you buy health insurance and you will transfer the risk of loss due to your house or apartment in case of fire.

Ensures the life of old age

On the other hand, whether it’s a financial plan to save money, mutual funds, deposits, or investments you make early on will provide a guarantee of your old age. That is, old age is just spending time joke at home with laughter husband/wife, children, and grandchildren and no longer work hard to earn income but just enjoy the fruits of your youth will certainly get?

Realizing the dream

Dream comes true when the motivation, desire, or a strong push from within you coupled with effort and hard work of the maximum. One maximal effort here is to do a financial plan. Yes, when you want to become a pilot of course you have to attend flight school, is not it? For your flight school requires a lot of budget. However, it is not a problem when you have done a financial plan.

 

Be Cautious of Balinese Cuisines

Be Cautious2It may be said whilst the region provides a gorgeous, unique, and spectacular Bali was ranked first. With all this, it’s sensible for visitors eager to see and benefit from the elegance provided in Indonesia.

Balinese food sampling is definitely an exercise that’ll never be-missed by visitors, while visiting Bali. Make certain the meals you consume kosher.

It’d not hurt if you follow some basic guidelines below, to prevent items that aren’t appealing:

Request first

After visiting all of the attractions in Bali, obviously starvation for confident. There’s no damage in the event that you ask nicely tone ahead of the waitress or who owns the cafe before purchasing, purchasing, and eating food.

Select identifiable culinary

Only A tip, you are able to visit and have secure or halal meals in Warung Ward, Plengkung stage, or Pawon Pasundan.

Select vegetarian or fish

It’d not hurt in the event that you select meals from refined vegetarian or fish, to be secure. Nevertheless, you still need certainly to ask nicely when the food under consideration is combined with lard or classic Balinese alcohol beer (brem, Bali wine, etc.).

Celebrating Your Child’s Birthday

One of the ways to make your child happy is celebrating his/her birthday. To do this, you are required to prepare this special moment well, so his/her birthday runs smoothly. Anyway, do you know what you should and should not do? If you don’t, the first thing to do is preparing enough budgets. Then, do several things below:

happy childrenInvite his/her friends. Invite his/her friends by sending invitations or calling their parents minimum a week before your child’s birthday. Make sure that you match your budgets with number of guests. This is important to do, so you can lack of money at last.

Choose the right venue. If you have much budget, you may celebrate your child’s birthday at luxurious hotel or restaurant. Nevertheless, if you want to reduce expense, celebrating his/her birthday at home is enough. If you choose home as revenue, decorate it as well and as creative as possible by hanging balloons and putting other birthday accessories. Invite your son or daughter when decorating home, so he/she can develop imagination and creativity. Besides, choose good birthday’s theme, like monster, pirate, cowboy, superhero, or robot.

Buy birthday gift. Giving your child birthday gift is a must. Buy birthday gift that your child needs and likes only. For example: if he/she is a teddy bear lover, buy teddy bear or if he/she likes eating chocolate, buy chocolate. Remember to buy high quality gift only at trustworthy and professional stores, such as: Flower Advisor that also provides best teddy bears and chocolates and offers gift delivery services.

Reasons Why Acne is Tough to Cure

bekas jerawatAlthough not everyone possess the appropriate method to manage to remove it. Put simply, the handling which don’t also make the acne treated but she became more numerous and popular. In addition, what acne causes is difficult missing?  Anybody know? Discover the solution below.

Using dust that’s too heavy. Occasionally there are several people that do acne remedy by protecting with solid dust. This Really is certainly a fantastic one; since certainly will in truth worsen acne, particularly if not soon after use to wash the facial skin. There of when the dust includes a high fat content.

Bad lifestyle. Is the lifestyle to ensure that makes acne one nesting in-your-face difficult to be treated?

  • Too typically contact the face area. Be certain never to touch your-face along with your arms. Microbes or microorganisms in your palm aren’t more likely to move-in the facial skin such that it could make acne widespread.
  • Lazy to clean my face. Prevent bad habits you’re lazy to scrub your-face, particularly when you’re after performing activities away from house. Dust, soil, or smog that sticks to see your face isn’t probably is a trigger for further reproduction of acne.

The utilization of improper acne medication. It’d be sensible to look at the materials and choice from national experts, if you decide to treat acne by utilizing acne medicine constructed. It seeks to lessen occur something which will in actuality make your acne possibly type or other unsafe challenges.

Ancestry. You must recognize, not merely the conduct of parents who rejected with their children, but in addition problems such as for example acne elegance might be passed on from parents with their children.

Some Kinds of Wines

wineFolks are enabled to purchase almost anything on the web. It’s simply easier and more comfort. For instance, after I was searching about wines on the internet for the upcoming marriage party of my best friend, there are lots of online retailers that offer numerous kinds of wines as within the following provided by Blossom Consultant:

  1. Gin. Gin is just a drink understood to be a juniper flavored nature. The conditions may differ in various nations. If you’re searching for Gin, the Blossom Consultant might help you because it provides Gordon’s Dried and Bombay Sapphire.
  2. Sparkling Wine. Sparkling wine has specific quantity of skin tightening and. Jacob’s Creek Chardonnay Pinto is just a solution of sparkling wine alongside Andret Brut.
  3. Australian Wines. Wikipedia mentioned that Australia may be the fourth-largest exporter on the planet. The creates 750 million liters each year. Some well-known items of Foreign wine are Real Felicity, Prestigious Individuals, Aussie Men, The Penfold Twins, and Jacob’s Creek Merlot.
  4. Bourbon. Bourbon whiskey or just bourbon is another typical wine kind. Jim Beam White-Label and Port Daniel’s are top-two items of Bourbon.
  5. Californian Wines. This kind of wine is actually produced in California, Usa. Another Californian wine item is Let’s Engage offered at SGD 149.

The video below will show you more information about wine:

Do These after Acquiring Home Loan Disapproval

loan disapproval bMany months ago, a house mortgage offer was published by my friend into a lender within my town. Since lender functions thought that he wasn’t worth obtaining home loan however, after looking forward to per week, he got home loan disapproval. He appeared unhappy since he’d to stop his want to obtain a new house and regretted.
Do you what you have to do, if you cope with this dilemma? In case you continue feeling unhappy? Obviously, you shouldn’t. It’s much better to do a number of things below:

Recheck your property mortgage pitch. Home loan disapproval frequently is really because you don’t match the present specifications. As an example, you don’t meet your suggestion along with your revenue information or identification card. Since someone who desires to make an application for mortgage loan is needed to be at the least 21 years old besides, examine your actual age. Do point below, if basically, there’s something amiss together with your mortgage suggestion.

Repair your credit history. Search your credit report whether you’ve poor credit or not. If you’ve poor credit, this means that since lender celebrations don’t need to supply mortgage for those who have bad credit you’ve to repair your credit report first. How? You’ve to repay all of your obligations and consider requesting help from trusted attorney to help you. Using this method, your credit rating will be greater and without a doubt, lender functions will provide you with mortgage loan.

Be sure you do your very best and never quit. Best of luck. :)

Dealing with Culture Shock

Culture ShockInternational students face lots of problems while studying abroad? What’s yours? Perhaps, it is culture shock. The sign if you’re experiencing culture shock is when you feel anxious or insecure to face cultural differences. Don’t worry because you are not the only one. However, you shouldn’t just stay silent because culture shock may cause stress.

Therefore, you need to know how to deal with culture shock. If you don’t know what to do, simply follow some steps below:

Know what causes culture shock

Students have their own reasons of experiencing culture chock and so do you. It differs based on their own perspective to accept cultural differences. You probably feel insecure while seeing native students who are speaking English fluently. Other reasons can be ways to behave or dress code. By knowing the causes, you can get rid of them.

Share your problems

The problem is worse if you keep what you’re feeling and experiencing on your own. Thus, don’t hesitate to tell your problems to your closest people. They can be your family at your hometown or your roommates. They may advise and support you to deal with culture shock. You’ll also feel settled down by doing this.

Socialize more

Finally, you should remember that you can’t live alone in your current place. It’s also not good if you only socialize with one or two friends. Overcome by insecurity and anxiety by socializing more. Join a community to make friends as many as possible. You’ll be able to accept cultural differences and overcome culture shock gradually.

Things to Do before Creating a Website

web designIn the era of the all-powerful as it is today, paced lifestyle practical, easy, effective, and efficient is very dominating. Both in terms of booking plane tickets, rooms, information retrieval education, employment, and in terms of buying and selling goods it can be done through online.

Not imaginary if some people are interested in the business of the virtual world. Does it include you? However, the main laden in online business is the website. You have it? If not, you can making a website first. Do this!

Define your goal to create a website. The most important thing when you want to create a website is specify your destination. The reason is because the purpose of making it useful to choose what type of website most appropriate. If you want to build branding and publishing articles article, you can choose the blog. If you would like to provide sports news, weather, or other type of portal you can choose.

Specify the domain name and hosting. After that, you specify the domain name that is simple, memorable, and appropriate content for your website. You also need to purchase a hosting package or a place to put the website files on a server connected to the Internet.

 

My Plans in February 2014

plan aEveryone definitely has plans. How about you? What are your plans next year? For me, living without plans is like walking in the dark. I don’t know where I should go. Therefore, I already make many plans for 2014. Anyway, below are some of my plans in February 2014:

Go on vacation to Lampung. Lampung is one of the wonderful islands in Indonesia. I choose Lampung as my destination place because I want to explore beauty of Lampung together with my old friend who lives there. Based on my itinerary, I will visit Way Kambas, Mutun Beach, Teluk Kiluan, and Taman Nasional Bukit Barisan Selatan.

Buy a new motorcycle. I need a new motorcycle to support my job. Yup, working in the field I need to use vehicle, so I can come and go home on time. I will buy personal vehicle at recommended automotive store in my city. Hopefully, I can find the right motorcycle.

Minimize the Risks of Getting Car Accidents

car accident 1Couple month ago, my friend got car accident that made him have to get medical treatment for two weeks. Totally, he got twice car accidents last year. The risks of getting car accident actually can be minimized as long as drivers do these:

Check car condition before driving it. Before driving car, check car condition first. Look whether brakes, sign lamps, and other components are in good condition or not. Bringing car to workshop soon is highly recommended if drivers find any problems with their vehicle. In contrast, if they still force to drive car, there is a big possibility to get accidents.

Obey traffic rules. Obeying traffic rules is a must. For instance, if drivers see red lamp, they must stop soon unless their car wants to be hit by other vehicles. Besides, always switch on sign lamps when turning left or right. This sounds simple, but it is effective to prevent car accident.

Tips Mempromosikan Produk di Facebook

promote on fbBisnis online kini semakin menjamur. Banyak sekali yang jual hp, laptop, barang elektronik, furniture, kendaraan, pakaian, tas, dan jam tangan online. Nah, apakah Anda salah satu dari pemilik bisnis online tersebut? Anda perlu mempromosikan barang atau jasa melalui jejaring sosial khususnya Facebook, bukan? Faktanya, pengguna Facebook diseluruh Indonesia sudah menembus angka 19 juta per Mei 2013.

Untuk mempromosikan produk di Facebook, Anda perlu mengikuti tips-tips berikut ini:

  1. Tampilkan alamat dan nomor kontak di fanpage. Biasanya, pemilik usaha membuat akun fanpage untuk mempromosikan barang. Anda semestinya menampilkan lokasi dan nomor kontak dengan jelas agar mereka percaya dan dapat menghubungi langsung.
  2. Tampilkan foto barang yang dijual dengan deskripsi jelas. Agar para calon pembeli dapat melihat barang yang ditawarkan, Anda perlu menampilkan foto yang jelas beserta deskripsinya. Harganya pun perlu dicantumkan agar calon pembeli tahu tanpa perlu bertanya.
  3. Berikan penawaran-penawaran menarik. Pengguna Facebook akan cepat tertarik jika melihat penawaran-penawaran yang menarik, misalnya diskon, sale besar-besaran, beli satu gratis satu, ada bonus, dll.

How to Collect Kitchen Appliances

kitcDo you want to start collecting kitchen appliances? Just make sure that your husband agrees with your intention first. After that, you can start collecting. By the way, here are what to do:

Make sure that you have large kitchen. Yes, some kitchen appliances are big, right? You will more likely be in problem in putting them if you have a narrow kitchen. It’s ridiculous putting kitchen appliances in the living room, right? I think you need to enlarge your kitchen first if it’s small. After that, you can even start thinking about the design. Start planning where you later will place the appliances.

Find the right sellers. Collecting means you’ll buy frequently or more than one product, right? Thus, just make sure you find sellers that offer you chance to buy cheap portable dishwasher, rice cooker, oven, microwave, etc. Make sure you can save money on collecting the kitchen appliances.

 

I Like Staying at Villa, Do You?

villa aBefore going on vacation, tourists are required to book accommodation in destination place first. They usually book hotel. How about you? For me, I prefer staying at a villa than staying at a hotel. Why? Basically, villa is located in suburban area that is away from rush and noise. This means that I can get peace and comfort when staying at villa.

Is it only reason? Of course it is not. Staying at villa I can use various complete facilities, like swimming pool, BBQ area, Jacuzzi, and so on without feeling disturbed by other guests. This is surely different from hotel in which you have to use facilities together with others. How about price? Of course, I have to spend more money, but it is not a big deal as long as I can get comfort and happiness.

Keep in mind that what I say just my perception. If you don’t have enough budgets, never force yourself to stay at villa. It is better to choose hotel, okay!

Manfaat Menjadi Seorang Ibu Rumah Tangga

ibu rmg tgAnda seorang ibu rumah tangga? Kalau iya, anda patut bersyukur. Ada banyak manfaat menjadi seorang ibu rumah tangga.

Dengan menjadi seorang ibu rumah tangga, anda akan punya banyak waktu untuk leluasa mengurus dan memperhatikan keluarga, yaitu suami dan anak-anak. Kebutuhan mereka cenderung tak akan terbengkalai.

Anda juga akan punya lebih banyak waktu untuk bersama mereka. Dengan begitu anda akan lebih dekat dengan suami dan anak dan keintiman dengan mereka adalah sebuah kebahagiaan.

Anak-anak anda juga akan tumbuh menjadi anak-anak yang tak pernah kurang kasih sayang. Ini akan membantu perkembangan pikiran baik mereka.

Selain itu, dengan tidak bekerja, anda akan terhindar dari rasa capek. Pintar-pintar anda saja mengatur waktu mengurus rumah.

Anda juga tak perlu membagi pikiran untuk kerjaan dan keluarga. Anda bisa fokus atau konsentrasi mengurus keluarga.

Namun, ingat satu hal ya, menjadi seorang ibu rumah tangga bukan berarti tidak perlu mempertahankan kecantikan. Hal satu ini perlu sekali.

Jaga kecantikan dan kemulusan kulit anda. Lakukan perawatan alami menggunakan masker susu atau buah-buahan. Buat suami dan anak-anak anda takjub dengan kecantikan anda.

 

Aku Suka Menari, Kamu?

tarian lampungBesar di keluarga seniman membuat darah seni mengalir dalam tubuhku. Ayahku adalah seorang pemain musik dan ibuku adalah seorang penari. Ketiga saudari-saudariku pun juga sangat pandai dalam bidang kesenian. Kakak perempuan pertamaku jago melukis dan kakak perempuan keduaku suaranya sangat merdu. Sedangkan aku dan adik perempuanku sangat suka menari. Bedanya, aku suka mempelajari tarian daerah sedangkan adikku suka tarian modern.

Aku sudah banyak mempelajari beberapa tarian tradisional, seperti tari Melinting, tari Tanggai, tari Kipas, tari Jaipong dan lain sebagainya. Setiap tarian daerah memiliki keistimewaan dan kesulitan masing-masing. Tarian yang baru saja aku pelajari dari guru tari di sanggar seni adalah tari Melinting. Tarian ini berasal dari Bumi Ruwai Jurai alias Lampung. Cukup sulit menarikan tarian ini karena sudah banyak perubahan dari tarian aslinya.

Tari Melinting ini sendiri dulunya hanya dipakai oleh keluarga Ratu Melinting saja. Kemajuan zamanlah yang membuat tarian ini dimodifikasi dan bisa diadakan diberbagai pementasan. Pada umumnya, tarian ini digunakan untuk menyambut para tamu dalam acara tertentu.

Etika saat Jalan-Jalan

jalanKamu pasti pernah mendengar berita traveler yang kesurupan saat sedang berlibur, bukan? Kejadian di Danau Lau Kawar, Medan adalah salah satunya.

Selain itu, di gunung kejadian ini terjadi berulang kali dan bahkan menjadi hal yang biasa. Sebagai seorang traveler, Alhamdulillah aku tidak pernah mengalami hal tersebut.

Bicara soal kesurupan yang berarti orang yang kesurupan tersebut dihampiri makhluk gaib, di mana itu artinya makhluk gaib / penunggu suatu tempat itu ada, sebenarnya itu bisa dipercaya atau tidak.

Yang paling penting kemanapun kita pergi, sopan santun harus dijunjung tinggi dan kesombongan harus diusir jauh-jauh. Itulah mengapa aku tak pernah tertarik membahas tentang ada atau tidaknya makhluk gaib, aku lebih fokus ke etika-ku saat mengunjungi tempat liburan manapun. Prinsipku, beretika yang baik tak pernah merugikan diri kita.

Aku tidak pernah berkata sombong, mengeluarkan kata-kata yang tidak pantas, dan mengejek dan meremehkan tempat wisata. Satu lagi, aku sangat menghormati aturan dan adat istiadat suatu tempat. Dengan prinsip itu, aku yakin, kemananpun aku pergi, tak akan ada yang mengganggu.

Mau ikut caraku?

Cara Menarik Perhatian Teman Sekelas

classmate loveNaksir dengan teman sekelas adalah hal yang sudah biasa. Lantas, bagaimana Anda menyikapi perasaan suka tersebut? Apakah Anda merasa nervous dan salah tingkah saat berhadapan dengannya? Apakah Anda suka curi-curi pandang saat ada kesempatan?  By the way, Anda bisa menarik perhatiannya dengan melakukan hal-hal berikut:

  1. Memperbaiki penampilan. Lihatlah ke cermin, apakah penampilan Anda sudah cukup menarik untuk menggaetnya? Jika belum, ini saatnya untuk memperbaiki penampilan. Mungkin saja, Anda butuh potongan rambut baru, barang fashion yang sedang ngetren, atau lainnya? Ingat, jangan berlebihan dan malah jadi aneh ya.
  2. Mengikuti hal yang disukainya. Cara lain untuk menarik perhatian si dia adalah mengikuti apa yang ia lakukan. Misalnya, ia suka main basket dan gabung di klub sekolah, Anda juga bisa coba bergabung. Tapi, ini sebaiknya jangan dipaksakan. Jika Anda tidak suka sesuatu yang ia sukai, kenapa harus dipaksakan?
  3. Membuat pencapaian yang bagus. Nah, trik paling ampuh untuk menarik perhatian seseorang yang Anda suka di kelas adalah dengan mencetak prestasi yang bagus.

Apa itu SGU?

sguBerdasarkan informasi dari informasibeasiswas1.com, selain beasiswa S1 Universitas Presiden, ada pula beasiswa Swiss German University tersedia.

Nah, buat kamu yang lagi cari info soal di mana bisa kuliah dengan beasiswa, pertimbangkan dua kampus tersebut.

Khususnya untuk Swiss German University (SGU), mungkin kamu belum pernah mendengar karena belum sefamiliar President University. Yuk cari informasi tentang SGU di sini.

Swiss German University atau sering disebut juga Universitas Swiss German adalah sebuah universitas swasta di Serpong, Banten. Lalu, kalau berada di Indonesia, mengapa bernama Swiss German University? Hal ini karena SGU disponsori oleh Yayasan Swiss Jerman University Asia untuk wilayah ASEAN.

Kuliah di universitas ini jangan ditanyakan lagi bagaimana akan keren dan berkembangnya bahasa inggris kamu, bahkan pengajarnya banyak yang bule.

Khusus untuk program S1, SGU menawarkan program Engineering, Information Technology, Business, dan Life Science. Ohya, perlu kamu tahu kalau biaya untuk ambil program-program study tersebut amatlah mahal, mencapai 30 jutaan per semester, so kejar beasiswanya yuk!

What Is the Meaning of the Weekend?

weekendAll people who work all week more likely love weekend. Are you one of the people? Talking about weekend, anyway, what is the meaning of it for you? You can see my own meanings here:

For me, weekend is the time to forget all things that are related to work. It’s why on the weekend, I don’t answer my coworkers’ calls, except they’re my best friends that call me not for talking about work.

For me, weekend it’s also the time to feel free, relax my body, and release stress. It’s why I often do fun things on weekend, like picnic, hang out, etc.

Furthermore, weekend is the time to feel free from stress. I don’t want any single problem to bother me. This means I’ll try to solve my problems before the weekend comes. How about you? What is the meaning of the weekend? Do you also feel that it’s very meaningful?