Ramadhan Mubarak.. :)

Fasting.. fasting...

This month is been waiting for Moslem….it is come once in a year…

There are so many sources written and unwritten telling about the advantages of fasting…

Such as below:  > from http://www.allaboutfasting.com/ 

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Fasting for Natural Healing 

A guide to awakening your body's own healing mechanisms.

Fasting is a completely natural healing therapy that has been used for thousands of years to aid, treat, and even cure many common maladies. It creates the same healing effects today.

And while modern medicine so often attempts to alleviate outer symptoms of a health condition, fasting affects healing from the inside out, getting to the actual source of the condition, helping to burn inferior cells and build new healthier cells and tissues.

Our bodies are capable of instigating their own perfect healing if we allow them the opportunity. Fasting is such an opportunity.

What can fasting do for you?

• heal a host of minor (and sometimes major) health disorders
• help you lose weight and keep it off
• cleanse your body of metabolic wastes and toxins
• improve your skin tone and health, making you look younger
• stimulate new cell growth, making you feel younger
• strengthen your immune system and natural defenses
• improve glandular health and hormonal balance
• increase mental clarity
• enhance your moods, enjoy a more positive outlook
• give you more energy and enthusiasm
• enhance your spiritual connection

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So many advantages that we can get if we do fasting... Then we have to do with happiness and thankful to Allah Almighty for this month come by. Hopefully we do it well and all sins are deleted.. Amiin :)

Well in practice, to prepare without having food, drink and meal in a day, we have to have good food at *sahur* time ( sahur is time for awake to have foods, suggestion completed with, carbohydrate like rice, bread;-, dishes with high protein like beef, chicken,fish, egg;- vegetables, fruits and milk..@ 3-4.30 am in the morning before Subuh pray come over ).

During a day, we have to increase our faith to religion, avoid anything which can make sins. Being good attitude.. avoid negative thinking.. it will be easy and healthy mind.. right..? :)

When the breakfasting come over, we have to prepare for breakfasting food. There are so many temptations before breakfasting time come over, once we glanced to "shocked market" which selling all kind of foods for breakfasting... from appetizers, mixed fruits ice milk, fried noodles, traditional appetizers, dishes, etc.. wow..feel like to buy them all. Actually, once we break with kurma or a glass of tea or glass of ice syrup.. drinking liquid water.. feel it all enough.. all the appetizers mood has gone :).. oh what a temptation.. :p

After all, doing all good in Ramadhan moon, and even after this month, keep being good.. healthy wealthy life...

Happy Ramadhan... :)

Miserable feeling in the morning

In daily work, we used to be busy with all the same activity. We never realize that time has just gone like wind’s flowing. But have you ever thought that what have you done and any useful meaning you have reached.

Once I reached office, this thought always come in my mind, like others, I never been satisfied for anything what I have, I have a lot of dreams that I want to reach, some its easy to reach and some its very difficult, need more patients and times. But after all we have to look down and check out about our self. Anyway, actually if we compare, what the things that you have now, for others than down on you will be quite enough, but when you see up on you, you will think that you still have nothing.

Go back to “zikir” and remember about Allah SWT, the good medicine for us to be a humble person. Recently I feel more religious and had made me comfortable. I like to watch this world wide, how small you are. Then you don’t need to be proud of yourself. You are very small creature, no power if compare this wild world wide. But we have own life that we need to fight, then the spirit will appear immediately :).

As usual, my hubby only drops me to Legenda Malaka bus station, and then I will go my self to office with using public transportation. In the bus, we can see and think, look at around us. Once I glance to person who selling newspaper at the traffic jams. I look over this person. She is about 30-40 years I think, but her face looks that she is already in fifties. I think that how lucky I am, I have a job, good family and we have own budget for our monthly needs, yet we still able to buy something for refreshing. Then glance I saw Toyota Rush passing around. I think that how rich that man, they might be living at Sukajadi or Dutamas, or other real estate complex in this town, and bla bla… ohh.. I wish I could have that Toyota Rush too and become rich……:) :)

Anyhow, other than rich, happiness is number one, and also feeling of acceptance or "Syukur to Allah".. are the root of good living. How happy you are… how wonderful life is...

PMS

Premenstrual syndrome (PMS) (also called PMT or premenstrual tension) is a collection of physical and emotional symptoms related to a woman's menstrual cycle. While most women of child-bearing age (up to 85%) report having experienced physical symptoms related to normal ovulatory function, such as bloating or breast tenderness, medical definitions of PMS are limited to a consistent pattern of emotional and physical symptoms occurring only during the luteal phase of the menstrual cycle that are of "sufficient severity to interfere with some aspects of life".^[1] In particular, emotional symptoms must be present consistently to diagnose PMS. The specific emotional and physical symptoms attributable to PMS vary from woman to woman, but each individual woman's pattern of symptoms is predictable, occurs consistently during the ten days prior to menses, and vanishes either shortly before or shortly after the start of menstrual flow.

Symptoms;-

More than 200 different symptoms have been associated with PMS, but the three most prominent symptoms are irritability, tension, and dysphoria (unhappiness).^[1] Common emotional and non-specific symptoms include stress, anxiety, difficulty in falling asleep (insomnia), headache, fatigue, mood swings, increased emotional sensitivity, and changes in libido.^[3] Formal definitions absolutely require the presence of emotional symptoms as the chief complaint; the presence of exclusively physical symptoms associated with the menstrual cycle, such as bloating, abdominal cramps, constipation, swelling or tenderness in the breasts, cyclic acne, and joint or muscle pain—no matter how disruptive these physical symptoms are—is not considered PMS.

Source from : Wikipedia

…….

I am writing about this PMS due to this is 99% correct for my self. I want that my spouse understand us well about these signs. Hence, he always forgot about this almost of the time, actually I am not the perfect person who can manage my feeling ( acting like an adult -"always" ), and I am not the one who can keep my anger feeling whenever I dislike them.

As the symptoms said:

"Irritability"

I am not that much irritated for this sign coming in, but I do when we have a little argue with my hubby.. Then I can become annoying to tell so many stories out of our point of view on the previous argue.. uff.

"Tension"

I am with this feeling a lot.. Anything become wrong in the house which actually for normal time, I am not bothering with them at all..

"Dysphoria"

I am the one who like to feel unhappy for uncertain reason. I hate this feeling and have been trying to make it disappear with reading books, listening music, being busy wih works. But sometimes I really give up with it. But I think with reading status from friends at FB, playing some games and chatting with friends will make it better.. hmm

Actually I prefer to call my hubby at his work and talking for nothing, He doesn’t like it, he will think it is not the right time. I believe that he thinks that I will try to pursue him for buying something which is not really urgent to own it.. ( hmm wrong perception ).

"Stress & Anxiety"

Most of the women easy for being stress and you can notify it from her surface, and I read from some sources, woman is easy to get stress even it caused only by simple thing. Stress can come anytime, i.e. basically we intend to be stressed when pocket is empty, nothing for shopping, don’t think this is a freaky, but I think woman like to go shopping when she is in not comfortable emotion.

“Difficulty in falling asleep (insomnia), headache, fatigue, mood swings, increased emotional sensitivity, and changes in libido.^[3] Formal definitions absolutely require the presence of emotional symptoms as the chief complaint; the presence of exclusively physical symptoms associated with the menstrual cycle, such as bloating, abdominal cramps, constipation, swelling or tenderness in the breasts, cyclic acne, and joint or muscle pain “

#These above symptoms are absolutely correct for my self, but I realize that I don’t want to be involved much and depend on those feelings and signs, just walking it away and we can pass them smoothly.

I am not the one who...

I am not the one who like to tell many stories.. But I am the one when I am feeling dizzy...

I am not the one who like to stand up glamor...But I am the one when I meet a guest and feels happy. :)

I am not the one who called Ms. Perfect Tidiness.. But I am the one when home & my work table are messy.

I am not the one who love kidsss.. But I am the one for My BABIES.. yuhuu...

Home sweet home.... will be :)

What do you expect from your own house...?

We are thankful to God and happy for our own house, whatever its look likes and type, you must be proud of it, hence it is your own house.

All the people specially married and settled with having children, off course that we want to have a good house, good living, nice environment and warm neighborhood.

Even that both of us – working parents as included rarely existence at home during on the day works, but along weekend we really hope that we live in and spend time at home as home sweet home, we also want to manage our house’s looks as comfortable as we can.

Living in Batam is not a cheapest place, from basic needs ‘till none one a little bit expensive if we compare then other province in Indonesia. Hence we live here and also want to enjoy the life, at least we have to tighten of pocket and cut our other unnecessary budget to make this dream come true.

For example, in house renovation, I have to manage the budget, and for the contractor also spends a fantastic amount compare my hometown standard.

Anyway, the important, we still have enough money to fulfill our daily needs and saving, and then others can be cutting down for house renovation. Hurray!!!

Kesalahan Dalam Perencanaan Keuangan

Banyak orang tua baru yang melakukan kesalahan-kesalahan dalam perencanaan keuangan keluarga. Baca tulisan di bawah untuk menghindarkan keluarga Anda dari permasalahan finansial.

Saat Anda baru saja memiliki momongan dan hari-hari Anda dipenuhi dengan kesibukan mengisi botol susu, mengganti diaper, dan malam-malam panjang melelahkan tanpa tidur karena si kecil kerap terbangun, adalah mudah untuk mengesampingkan berbagai hal yang sebenarnya krusial dalam hidup. Apalagi jika hal yang dimaksud sangat membosankan seperti: merencanakan keuangan keluarga. Karena itu para orang tua baru sering kali melakukan kesalahan dalam mengelola keuangan mereka, justru pada masa paling penting dalam rumah tangga (karena kehadiran anggota keluarga baru). Kabar baiknya: Sebenarnya, cukup dengan sedikit perhatian dan perencanaan yang tepat, Anda bisa menghindarkan diri dari berbagai kesalahan finansial.

Kesalahan # 1

Tidak Memiliki Asuransi Jiwa yang Tepat

Mungkin Anda sudah menyadari pentingnya memiliki asuransi jiwa sebagai jaring pengaman bagi anak seandainya terjadi hal yang tidak diinginkan. (Jika Anda belum menyadarinya, kini Anda tahu: Segera daftarkan asuransi jiwa Anda!) Tapi kadangkala, bahkan orang tua yang sudah mendaftarkan diri mengikuti asuransi jiwa tidak mendapatkan perlindungan yang maksimal. “Banyak orang yang tidak mendapatkan klaim yang pantas,” ujar Tim Wyman, financial planner di Southfield, Michigan. “Mereka tidak menyadari berapa nilai klaim yang pantas agar keluarga dapat tetap bertahan hidup dengan normal jika kepala keluarga sebagai sumber pendapatan meninggal dunia.”

Nilai yang pantas adalah mendapatkan tujuh hingga sepuluh kali lipat dari pendapatan kotor per tahun saat anak-anak masih berusia muda.  (Jika seandainya Anda memiliki penghasilan Rp. 60 juta per tahun, Anda seharusnya diasuransikan sebesar Rp. 420 juta hingga Rp. 600 juta.)  Bahkan para orang tua yang bekerja dari rumah juga sebaiknya memiliki asuransi jiwa: Keluarga Anda juga pasti tetap membutuhkan biaya untuk perawatan anak dan berbagai keperluan lain seperti biaya pendidikan jika terjadi sesuatu pada Anda. Kebutuhan setiap keluarga berbeda-beda, jadi berkonsultasilah dulu dengan konsultan keuangan. Jika Anda gemar surfing di internet, coba kunjungi situs insweb.com/learning center. Di situs ini, Anda bisa mengkalkulasikan nilai asuransi jiwa yang sepantasnya Anda dapatkan.

Kebanyakan konsultan keuangan akan menyarankan Anda untuk memilih “asuransi jiwa berjangka”, polis ini memiliki premi yang harus Anda bayarkan dalam jangka waktu tertentu (misalnya 20 tahun). Anda tidak disarankan untuk memilih “asuransi jiwa seumur hidup” atau “asuransi permanen” dimana keluarga Anda hanya akan dilindungi oleh asuransi selama Anda terus membayar preminya. Biasanya, polis permanen-lah yang dianggap sebagai investasi yang paling baik, meski kenyataannya tidak demikian. Banyak orang beranggapan bahwa membayar premi asuransi dengan nilai kecil dan stabil seumur hidup, lebih baik daripada membayar premi dengan jumlah yang lebih besar dalam jangka waktu tertentu. “Sebenarnya tidak demikian,” ujar Wyman. “Yang justru lebih penting adalah Anda sudah berhasil memiliki jumlah uang yang cukup besar saat anak-anak masih kecil dan belum lepas dari tanggung jawab Anda.”

Penting juga untuk Anda ketahui :

√  Membeli asuransi jiwa untuk anak Anda yang masih bayi. Asuransi ini memiliki premi yang sangat kecil. Tapi seandainya anak Anda bukan seorang bintang sinetron terkenal, ia tidak membutuhkannya. Tujuan utama asuransi adalah untuk menggantikan sumber pendapatan yang hilang seandainya terjadi sesuatu. Kebanyakan bayi tidak memiliki pekerjaan.

√  Asuransi Anda tidak memberi perlindungan terhadap risiko cacat tubuh. Jika Anda pekerja kantoran, tanyakan pada perusahaan seberapa besar dari pendapatan Anda yang dapat Anda klaim jika terjadi kecelakaan yang mengakibatkan cacat tubuh: seringkali perusahaan hanya bisa memberi kompensasi sebesar 60 sampai 70 persen dari penghasilan Anda. Jika nominal tersebut tidak mencukupi untuk biaya kebutuhan hidup sehari-hari, Anda bisa mengajukan polis asuransi cacat yang dikeluarkan oleh swasta.

Kesalahan # 2

Menunda Untuk Mulai Menabung Dana Pensiun

Dengan semua perhatian yang tercurahkan pada si kecil, sangat mudah untuk melupakan kebutuhan bagi Anda sendiri. Banyak orang tua baru yang justru berhenti menabung untuk dana pensiun mereka supaya bisa mulai membuka dana pendidikan untuk kuliah si kecil. Ini adalah kesalahan yang sangat serius. “Ada banyak program dana pendidikan dan pinjaman dari bank yang bisa Anda ambil untuk membantu membiayai kuliah anak, tapi tidak ada program peminjaman untuk orang-orang yang memasuki masa pensiun,” ujar Katrina Miller, financial planner di Golden, Colorado.

Kunci dari memiliki dana pensiun yang cukup, berhubungan erat dengan seberapa lama Anda mulai menabung. Semakin lama Anda berinvestasi, semakin besar hasil yang Anda akan terima. Karena itulah, jika Anda berhenti menabung dana pensiun, Anda berisiko membahayakan masa depan keuangan keluarga. Meskipun keuangan Anda sedang ketat, Anda harus tetap berusaha menyisihkan sebagian uang untuk dana pensiun kelak. (Idealnya, orang tua baru harus bisa menyisihkan minimal 10 persen dari pendapatan total keluarga setiap bulan.)

            Selain hal tersebut, Anda pun perlu menyisihkan pendapatan bulanan untuk dana pensiun, coba mulai menyisihkan sebagian lagi untuk dana pendidikan anak, meski hanya Rp. 100.000 per bulan. Lebih cepat lebih baik: jika Anda baru mulai menyisihkan uang saat si kecil sudah berusia 5 tahun daripada saat ia baru lahir, Anda harus menyimpan 75 persen lebih banyak untuk mendapatkan jumlah nominal yang sama besarnya saat anak berusia 18 tahun. Jika Anda ingin tahu lebih banyak seputar merancang biaya pendidikan bagi anak, coba kunjungi website savingforcollege.com.

Kesalahan # 3

Tidak Berfikir Untuk Membuat Surat Wasiat

Tidak ada orang yang ingin lama-lama berfikir tentang kematian, apalagi jika Anda punya anak yang masih kecil dan masih menggantungkan hidupnya pada Anda. Tapi jika Anda tidak membuat surat wasit dan dana perwalian bagi anak, kemungkinan besar si kecil akan terlantar secara finansial dan emosional jika Anda tiba-tiba meninggal dunia.

Jika perusahaan tempat Anda bekerja memberi fasilitas kesehatan, segera lakukan reimbursement setelah Anda melakukan pengeluaran. Jika Anda menunda klaim, uang Anda bisa dianggap hangus.

Alasan nomor satu mengapa orang  tua membutuhkan surat wasiat: Agar Anda, dan bukan pengadilan atau yayasan kesejahteraan anak yang akan menentukan wali bagi anak-anak Anda. “Saya sering melihat pertengkaran antara mertua, saudara kandung, sepupu bahkan kerabat dekat yang memperebutkan hak asuh anak,” ujar Robin Giles, financial planner di Laguna Niguel, California.”Adalah langkah yang lebih cerdas untuk membiarkan semua orang tahu keinginan Anda saat Anda masih hidup.”

Hal yang tidak kalah penting adalah mendirikan dana perwalian yang menjelaskan kapan anak Anda bisa mendapatkan dan mengelola sendiri warisan orang tuanya. Tanpa dana perwalian yang jelas, anak-anak akan otomatis menerima dana tersebut saat mereka berusia 18 tahun. “Ini adalah jumlah uang yang terlalu banyak dan terlalu cepat untuk dikelola oleh anak berusia 18 tahun,” ujar financial planner Chris Cooper di Toledo, Ohio.

Pilihan terbaik adalah berkonsultasi dengan pengacara untuk membuat wasiat dan dana perwalian yang tepat. Penasaran ingin mengetahui seperti apa bentuk surat wasiat? Coba program Quicken WillMaker Plus di komputer Anda.

Kesalahan # 4

Melakukan Pemborosan dalam Keuangan

Saat Anda baru saja menjadi orang tua, akan ada banyak tuntutan pemenuhan kebutuhan hidup seperti memberi makan anak-anak, pakaian dan hiburan. Sangat sulit rasanya mencari waktu untuk duduk sejenak dan mencatat besarnya pengeluaran setiap bulan. Padahal tindakan ini sangat perlu. Anda harus memastikan bahwa Anda tidak melakukan pembelanjaan yang lebih besar dari pendapatan Anda. “Anda juga harus bisa mengerem keinginan untuk membeli berbagai barang yang sebenarnya tidak perlu, seperti keranjang tidur yang mahal atau stroller dari designer ternama.” Ujar Miller. “Bayi Anda tidak akan peduli terhadap hal ini.”

Para ahli keuangan setuju bahwa akan sangat sulit untuk bisa menstabilkan keuangan saat Anda sudah terlilit banyak hutang. “Banyak para ibu baru yang memutuskan untuk berhenti bekerja, lalu menghamburkan uang mereka membeli berbagai barang mahal bagi si bayi dengan anggapan bahwa mereka akan bisa menyimpan uang saat kembali bekerja beberapa tahun kemudian,” ujar Miller. “Tapi kemudian mereka menyadari bahwa hal ini tidak akan terjadi karena biaya hidup naik setiap tahunnya.”

Adalah hal yang sangat penting bagi ibu rumah tangga untuk mengatur keuangan keluarga dengan baik. “Kebanyakan wanita merasa mereka tidak berhak untuk membuat keputusan dalam hal keuangan karena mereka bukan sumber pendapatan keluarga,” ujar Mary Claire Allvine, financial planner di Atlanta. “Sesungguhnya, baik suami maupun istri harus ikut terlibat dalam perencanaan keuangan keluarga yang bisa membantu Anda berdua mencapai keamanan finansial di kemudian hari.”     

From : http://parentsindonesia.com/article.php?type=article&cat=solution&id=121

How do I start my own blog

I just started my new blog at www.rinaldyfamily.blogspot.com  Actually, it’s been quite long time ago that I wanted to make my own blog, I want to share and write about some object which is crossing in my mind, some tips, about family, event, etc. But I always postpone it, till last week that my neighbor ( Mila ) started her own blog, and I think I really can make it one too.

After chit chat with my friend Debora that I informed her about making a blog and she really supports me a lot and immediately that she asked me to add her at the email ( for blog reference ) and also to be follower at my blog.

 

Actually, I used to read some blogs from searching engine, with coincidence I found nice topic and I really love to read it, following their story 'till end. One of the blog that I like is from someone’s blog I will add her as my friend. She tells about her and her life at the blog and about her children, its quite inspired and improved me to make my own blog, but I never start it..

Okay…….. Now I will start it…..