harmonis sepanjang hari

Satu visi dan misi

Suami dan istri menjalankan bisnis bersama

Semakin dekat dan harmonis

Menyiapkan bisnis yang bisa diwariskan

Sejak seminggu lalu,
suamiku terus pangil-panggil sayang..
qeqeqe *tumben*

Rupanya dapet energi baru dari ceramah Teh Mimin di MQFM
allhamdulillah..ada aja ya cara Allah membuat pernikahan kita semakin kuat
Teh Mimin, pengasuh smartlove
pengajian untuk pernikahan bahagia sakinah mawaddah warahmah

Teh Mimin, ustadz spesialis membedah menjaga pernikahan supaya
tetep full seperti pertama kali menikah.
Uniknya yang datang pasangan suami istri *kind of pengajian yang selalu kudamba*
Lebih efektif kan kalo suami juga denger kajiannya :)
Ngga melulu pengajian ibu-ibu

Teh Mimin membuka dengan pandangan
pertama kali menikah,
saat kita mengikat janji untuk menjadi suami istri
Allah memberi kita modal 100% cinta
full of love, i love you full

Ternyata cinta mempunyai sifat easy come easy go
harus ada usaha untuk membuatnya tetap 100%

Seperti mobil, saat bensin penuh, majunya lancar
saat bensin habis berhenti dan tak mau jalan

Untuk pernikahan yang membahagiakan bensin dijaga 100% full
caranya?? ...bersambung yaa...

Wealth- How to Accumulate and How to Preserve It

The elderly were anxious about the economy long before this crisis. Retired feeling very confident of a secure retirement Financial fell 29% in April compared with 41% a year earlier, according to a survey by the Employee Benefit Research Institute - the lowest level in 10 years. Young people seeking to increase its revenue with better jobs are limited by the increasingly acrimonious labor market. Therefore, how to get and keep a wealth? Follow these tips:

1. Keep your mind on your money and your money in your account, will not be obsessed about the losses or gains, but now it's time to focus on getting each share of the interest or capital gains they can. Consideration of cash and all the CDs and continue to seek a higher interest rate offers.
2. If you own rental properties, lock in high rates of rent with a lease. If not, do not forget to raise the rent every year at least in the Consumer Price Index inflation rate.
3. If you own stocks or stock mutual funds, do not go crazy to change things. Maintain a diversified portfolio of different types Large-Cap, a mid-cap, small cap, international, etc. also maintain a diversified portfolio of different styles of growth, value, mixing, basic, etc.
4. Watch your tax bite. It's not what you earn, but what we maintain. Take all the deductions that can be legally. Get a leg in any distribution of capital gains before the end of the year so that there will be no surprises prosecutors. Call or e-mail from your mutual fund distributor to find out what capital gains distributions of dividends that are paid taxes. I'm expecting a lot of people who are in for a surprise big losses on their tax returns and great responsibility for the end of the year. Be forewarned!
5. I do not think it can never sit in and be fine. You do not. That is a guarantee of loss. Inflation eats away your investment and employment and incomes rising costs.
6. Very few people get rich working. You have to make your money work for you. That means having investments such as stocks, bonds, mutual funds, real estate, etc. With the investment that means risk. With risk comes reward. Figure at least once and most likely you will end up losing money. So what? Pain, but a necessary part of enriching themselves and stay there.
7. Do not let greed overcome good sense. If it is too good to be true, it is. Most people get rich quick, slow and not develop good habits that will preserve their wealth, too. As your net worth grows and to commit to more investment, not let anyone talk him into putting the whole wad in a company. It is much easier than a small bounce back from a big loss.

Remember that you have to invest to stay ahead of taxes and inflation to motivate and grow rich through diversification and acceptance of the losses along the way, to preserve the wealth they accumulate.

Tips to Eliminating Debt and Bright Money Future

There is a lack of financial investment and education in our schools, among the many things not taught. If you are a high school graduate who does not know much about finance, with the exception of how to write a check and balance your checkbook, investing or saving for retirement is probably something you haven? It does not give much thought to. Therefore, here are some tips:

Eliminate debt

To better eliminate the debt, calculate and make a list of what they are spending on each payment of the debt and that you have with that. Make a commitment to permanently amounting to add to your budget. This part of your budget, I like to call the debt-payment of money, you can not change until they pay their entire debt to this method works best.

If you have any more money, get an increase or a bonus reward, to add to this budget. Do not go out and fly it. The most important factor to the elimination of the debt is not added to make purchases that you really do not need. That's how you have in your debt. If you can not pay for it in cash, you do not need it.

Take a look at each and put the debt at one of the following categories, listed in order of priority: the high-interest debt, the debt is not tax deductible, the tax repayment of debt and the mortgage.

Great interest is their credit card debts or loans on high interest. These must be paid first. Consider switching to a rewards card as a reward credit card. Once this debt is eliminated, making the money they were paying on their cards and loan payments and add to the next on the list to be eliminated.

Do not tax deductible debts are lines of credit, bank or car loans. Because it is adding the money used to pay on their cards to these payments, will have to pay this debt off much earlier.

Once again, after paying their loans, take the money used on their cards and loans and make your student loan or other tax-deductible debt and erase that debt.

You are almost free of debt. Their mortgage debt is the last you want to apply your payment of the debt-off of money. You are going to make extra payments with all the money that has decommitted the elimination of its other debt. You are not just the interest payments on your mortgage and any extra money you pay on your mortgage goes directly towards the principal. Let's say you have $ 100,000, 30-year mortgage with a 7.5% annual interest rate.

You have been making periodic payments during his 5 years. Now you decide to send its extra $ 250 each month. It has reduced its mortgage for about 12 years. That was 12 years before her own house, not the bank. To know when you will pay your mortgage, use a mortgage to pay off the calculator is online. The excitement over how many years you will be free of debt will give you the motivation to stick to that plan.

Article 10%

Do not start investing before eliminating their debt. First is the importance of becoming debt free. This is an exception, one of the oldest rules of investment, is set aside 10% of each salary and investment. This is not really going to mess up your monthly budget and something that anyone can start easily. By investing a percentage of their income, rather than a random number, are motivated to be consistent. If your pay varies, so that 10% of the amount you are putting some distance. Therefore, go ahead and start creating retirement fund.

Be realistic

Common sense tells us packing a lunch instead of eating out is going to save money. Going to the movies with her family every Friday night is obviously going to cost you. Go to the costly O'Latte Cafe every morning coffee instead of beer in his home is a safe budget leak. The question is why do these things? We have become comfortable. Everything is automatic or drive-thru or my favorite, "I just had to do. "Someone did come to you and put a gun to your head and say:" You have to buy a new car that what has been driving around for two years is a piece of garbage. "I highly doubt that happened .

Any purchase of cars, whether it is new or used is not an asset or an investment. The minute drive outside the luck in his new car automatically depreciation of their value. Newer cars carry the highest insurance rates. Buying new is not a wise decision. Used cars depreciate, but also the enormous loss felt with a new, it is not. The rate is much lower depreciate. Take car of your car, get oil and filter changes, reaching a melodies and implement on the ground. After that, buy a used car and do the same thing.

Bonuses and raises

This is so frustrating to watch. People who receive an increase or a rebate and spend it on something, which at best could be described as a fool, drive me crazy. Reverse its 2% by the addition of raising the amount of its 10% who are already investing. Take your premium and put into an emergency fund savings account. You go up or lived before his cousin, why spend a lot now? Do not be stupid.

Now what?

Keep doing what they are doing better and if you can. The temptation to buy what they can not afford to never go away. Over time you will also improve its ability to distinguish a want of a necessity, which will help you financially and avoid new debt. Keep up to date with new investment strategies, the study on how they functioned and what their yields, and not be silly.

How can Nonprofit Fundraising Programs help you?

Nonprofit fundraising is an old and traditional concept. It has helped in innumerable social and religious causes of the society for long. In addition, with the growing number of the non-governmental organizations and other non-profit social associations, fundraising programs have become a regular practice in fighting for certain social, economic or religious causes.

There are various fundraising ideas, which can be organized to make any cause related movement a good success. Fundraising programs can be organized in various ways. It will however depend upon the cause of fundraising, strength of the association, targeted donators and the media through which the fundraising will be convenient. It has to be remembered that individuals are the major source of funding for nonprofit organizations. Thus while arranging and organizing a fundraising program, the association must target individuals for the prime contributions.

Various fundraising tools or products are coming up every year and some great fundraiser ideas have been implemented to make fundraising a success. Some of the most common available fundraising products are various types of fundraising cards, lollipops, candies, cookie dough, creative cooking kits and even popcorn. There are also scented candles, silicone bracelets, Tulsack gift bags and many other innovative things, which are widely used for fundraising programs these days.

nonprofit fundraising has to be organized according to its cause. Thus, if it for a religious cause, then, the fundraising program can be arranged in the Church at time of Sunday services or Halloween. Churches as fundraisers are quite familiar and have been the oldest fundraisers' organization. School fundraisers and sports fundraisers are also very common event holders. Credit card fundraising has been quite a success in promoting child education and rehabilitation causes. Magazines are also a good option for promoting fundraising events.

Fundraising programs help in raising awareness as well as collecting funds by selling different gift items. Other than the regular fundraising programs, online fundraising programs help the fundraisers to raise awareness and funds, quickly and easily for reaching supporters nationwide as well as worldwide. Online fundraising has been quite a success story for many fundraising organizations.

While thinking of doing an online fundraising campaign, one can avail various options, which are best suited for the purpose. One can create online magazine to promote the cause as well as for putting up small innovative gifts for online sale. Sending bulk emails to promote the cause and collecting donations is also one of the good fundraiser ideas. Emails can be sent to friends, relatives and acquaintances to visit the online magazine store and participate in the fundraising program.

It must always be remembered that a good planning should be done before organizing the fundraiser program. The campaign will run smoothly and will a good success if proper planning is done before collecting the funds. Invitation cards with detailed information should be sent to everyone you wish to invite. Fixing a budget and goal is also very important. Arranging for the products to be sold at the fundraising programs has to be ordered and delivered well in time. Even light refreshments would be a great idea and added attraction for a nonprofit fundraising campaign.

Grow rich – is it that simple?...sure! it is.

Throughout the history of civilization was asked this question countless times. In the past decade human beings come to a better understanding about the economic abundance. We witness that through the industrial revolution and the technological age that accompany this economic abundance.

In the last hundred years, many people tried to solve the enigma of economic abundance and what really makes an average or poor person to possess a great fortune and wealth.

Infinite number of books were written on this subject and became a small part in the success of bestsellers that helped readers to understand the unrevealed source of economic wealth and truly achieve their desire for abundance.

All books of success in this area is actually the same principles as those using its reach the desired abundance. All books of success in this area as "rich dad poor dad" by Robert Kiyosaki and even higher, as the books "Think and grow rich" by Napoleon Hill, said the same principle that acting can reach plenty. These are simple principles of thought, action and relationships with people. Some of the books were complicated and only a few can understand the ideas behind it are simple and elsewhere and those who attended everyone had a desire to grow rich.

Abundance or wealth is a product of the action taken by you or by people who are close to you, this fact is clear to all of us, why we all get money for our daily tasks, but why do not we have rich in this job? , In reality here is one of the great hidden secrets of wealth. This secrecy can not be explained in one sentence, but operates under a principle: "you can fill a glass of water only once and only by the size of the cup and no more."

Think for a moment about this principle and you will realize that our days are not jobs that produce the wealth we want, since it is only fills a glass of water. In order to increase the wealth we need to increase the capacity of the glass or fill more glasses in order to receive more water. The water is compared with the money for the time we understand this principle and act on it despite the 3 approaches to wealth creation that understand how to create wealth.

What is the difference between art and making money? – Why Beethoven was poor…

In fact there is no link in being an artist and have a lot of money. Art alone gives no wealth. It's like any other profession. There are a lot of artist at the world and we have seen in the recent history of our times that achieved a lot in their profession but who were hungry for food. Not only work in his profession does not receive any compensation for it. Even today there are a lot of artists who do not receive the widespread recognition in his country and the world and they run into financial difficulties every day.

So what really is the true relationship between art and make money? The difference is very subtle, but it makes all the difference. Making money is an art like any other art. In order to understand the art is what we go for a moment refers to the biblical description of what art is as follows: "A general description behalf of human activity that is not done, but some or paradigm of constant action, and bond default, but is open to the ruling, the interpretation and creativity of artists and is based on his special talent. In addition to this, it is by the rules and restrictions that in his area of free creativity comes to life "

The emphasis is to make money is not made in accordance with a specific action or paradigm that is open to the verdict and the interpretation of the artist. Making a fortune is like an art and it is necessary to understand and adopt the restrictions imposed in order to act creatively. Therefore, in order to develop our talent in the wealth we need to understand the following:

-Restrictions
-Creativity
-Will/Desire
-Flow
-Non destructive self criticism
-No emotional attachment
-Planning
-Patience

These are just some of the features that an artist has to be taken and on the road to becoming an artist in the field of making money. If we see the character of Warren Buffet will find that these qualities are present in a big way. Awareness of these characteristics is part of what helps you reach the desired abundance. The next step is to learn the action and thought of the 3 levels (physical / mental / spiritual)

Building Wealth Quickly - A Step Method To Making Money Fast For Everyone

If you want to quickly build wealth and make money fast, then you will find enclosed a proven way to do it. The best part is that you do not need much money to begin with - you only need a couple of weeks to learn and 30 minutes a day to make money with it. What is this method? Let's find out.

The method is becoming a money changer in the house. Stop! You can say he can not do that - to his difficult or need a lot of money.

So you can - because currency trading is a skill learned. NO ONE can teach themselves and you have a big advantage with this method.

You can get $ 100000 for trade does not require credit checks, its possibility to you the moment you open your account. Presented only $ 500.00 and can trade their deposit or 200 x $ 100,000.

If you use this influence wisely you can make big profits. The key is money and managing a plan.

The best way to trade is to learn to use charts to detect foreign exchange repetitive patterns of prices and trade for the benefit - running the major trends and milking them for profit and reducing the loss of trades quickly.

Anyone can learn to do this, with the right to think and plan and you can too.

Let me tell a quick story really inspire you ...

Back in the eighties, trading legend Richard Dennis wanted to prove that anyone could learn to trade, regardless of age, sex or educational level. So we brought together a diverse group of ordinary Joe's together that they had never traded. These include:

A child of the new school, an actor, a security guard a woman auditor and a pair of professional poker players to name a few. He then taught them to trade in just 14 days - the result?

Dennis made $ 100 million in just 4 years, and many have become legends of trade and commerce even today.

Therefore, you have to - anyone can do it.

Of course the money is never easy and not wait to be with the rewards on offer - but this experiment demonstrates the potential is there for anyone willing to learn and desire to succeed.

Sure it's a challenge - but with an attitude of the right to assume, win and become a professional money changer in the house.

Many people have found a way to a better lifestyle and have set out on the road to financial freedom and can, if desired.

To investigate this method of wealth creation fast and make money fast and that perhaps glad you did.