FUN, DOLLAR AND LIFE WEBLOG

Smart Financial Management

noreply@blogger.com (FSidupa) — Sun, 17 Jan 2010 09:35:00 +0000

I really loved the 3 Principles of Financial Management which is taught by John Wesley :

Earn as much money as we can get. Surely, with a note: making money with a right way and do not inflict a loss to others.
Save as much money as we can save.
Give as much money as we can give.

Now ... Does anyone agree with the three principles above?

If you agree with me, you can continue reading this article. We all have a responsibility in managing our own finances. Can you imagine what will happen to us, when we become consumptive and disorganize in financial management. I can say this because many things I had learned in my life and I had also ever failed in this case. Therefore, I also wanted to share to everyone about how to manage money properly.

Of course, the thing that underlies why we must learn about the correct use of money, is to demonstrate our responsibility and gratitude to our Lord as the Blessing Giver. Do not forget also, that in general our productive time to work as a human being is between the ages of 20 to 50 years old. Though it is not an absolute method- but it is a common thing which is always happening to humans. Past those ages, if we are smart in managing our finances - generally we will enjoy our retirement and enjoy it with our children and grandchildren. If we fail, most people who past those ages, would still continue to work until becoming old, sickly and could not work anymore.

Here are suggestions or tips from me about how to manage finances properly. You can choose to apply them or not. And after you have applied and be successful, do not forget to contact me and tell me your success stories.

First of all, make your monthly budget, ranging from the cost of food, a house rent or mortgage, education, transportation needs, telephone or electricity bills, and other routine needs. So when you receive your salary or income, immediately separate your money to fulfill these requirements into each different envelope. This should be done in order to limit us to attract more money from our ATM cards.

Learn to restrain yourself in buying items outside the "Monthly Shopping List", even if there is a discount or a massive sale at your favourite supermarket.

Then, enter the list of things we want to buy into the next "Monthly Shopping List". Sort the list based on a priority scale, so that critical and urgent needs can be firstly fulfilled.

The second step is set aside 10% of our income as our tithing money. This we do as a form of love and our obedience to God. In addition, this is the good 'seed' that must be immediately we sow.

Third, also set aside a "seed" which is purposed for us to sow or to share with people in need. We must have a principle as 'person who manages the blessings' or stewardship, not as the owner.

The fourth step is set aside money for savings. Set aside twenty percents from our salaries. I.e., ten percents which purposed for savings in difficult times, when ill or lean years, or only as a special savings. For that, try not to use an ATM card for this special savings, so we are not easy to take money from these. These money should only be taken at a very difficult time, or if we want to start a side business to increase our income.

Then the next ten percents are collected as a reserve for capital to be invested until a few years to come. This we can use to fund our retirement. This money can be saved in the form of insurance as a term investment protection, so that in the ripen days we did not live under the mercy of others.

The last step we can do is investing the money. The habit of savings is supposed to go in our financial planning. With always saving our money little by little up to three to ten years, then we can make an additional income. After that, find the idea to double the money. Then manage that money in business which is in accordance with our knowledge and our hobbies.

After all the steps above we do, then we will be able to enjoy our work. Of course, all the above steps can not be instantly making, but it takes time, perseverance and an unwavering desire to do it. So do continually until it was finally generate profits for you and your family. Understand the simple lifestyle, which does not mean we have to live in deprived, but live which can control the situation and not go along with the world's lifestyle that consumptive and glamorous. Learn to therewith to our needs, because "financial freedom" certainly more important than exhibit the 'social status'.

Tips How to Tone Our Belly After Giving Birth

noreply@blogger.com (FSidupa) — Tue, 05 Jan 2010 01:35:00 +0000

Do not trivial assume the traditional herbs (Jamu - Indonesian) which are usually proudly suggested by our parents, because these herbs could help women in treatment to keep them beautiful.

The new moms who had just given birth often complain that their bellies become distended pre-birth.
Here are the tips on traditional treatment for slender abdomen after giving birth :

Prepare 2 joints grated kencur (Kaempferia galanga), 3 tamarind, 1 calamondin that had been cut up finely, and 1 tablespoon of rice, which was soaked, and finely grin
Mix all ingredients, and then knead.
Apply this concoction around your stomach, then wrapped with women's cummerbund for 3-30 minutes. Apply this treatment routine, in the morning and evening after take a bath.

Happy caring ...

END OF YEAR'S GIFT 2009

noreply@blogger.com (FSidupa) — Fri, 01 Jan 2010 16:12:00 +0000

This time, I want to share another story about an important moment in my life.

On December 31, 2009, I get the very impressive 'End of Year's Gift'. It is a very handsome baby boy is a handsome. Yes, the age of my pregnancy have reaches nine months old. On Wednesday evening 30th December, about six o'clock, I felt pain in my stomach. At that time I only feel pain like flatulence. I think I might just get cold and by lying down at my bed, the pain will be reduced. However, the pain still continued to come and recurrent periods of time relatively the same.

By seeing the frequency of pain which always the same and repeated every 3-5 minutes, I began to understand that it is a contraction of the abdomen before birth. I just told my husband that our baby would be born soon this evening. My husband asked if we probably should see the midwife soon on the spot. But I do not want to wait long in the birthing - as yet no 'urgent' sign such as the outbreak of amniotic fluid or bleeding. Though I truly can not sleep because of that periodic contraction.

While our daughter, 3.5 y.o., Mischel, also can not sleep because we had not sleep yet. Furthermore she was also heard our conversation that his brother will be born soon. Up to half past 1 in the morning - I walked into the bathroom with much pain and I found a spot of blood. That is when we decide to immediately go to the maternity hospital. We had to go then to the maternity hospital together with our little daughter, who is very excited waiting for the birth of her brother.

We arrived at the maternity hospital at 01.30 am. After checking my womb, the Midwife said that if the labor going smoothly, then the baby would be born around 3 am. The midwife prediction turned true. After experiencing the exhausting struggle, with labor pain, our baby boy was born then exactly at 03.15 am, on December 31. Although I feel the pain, with so much pain, I know that is a miracle if I get through the labor in a faster process than the birth of our first child.

Another amazing thing is, our toddler daughter was still awake waiting for the birth of her brother. Although drowsy, she remains eager to wait from the bedroom provided for me. In fact, my husband told me that every time he came out from the maternity room to check our daughter, she is always asking if his brother was already born or not. Plus, he was not whining for entry into the maternity room to see me. How sweet was not our daughter!

Predictably then - Mischel is very happy - when our baby and I came into the room. She does not keep constant kissing her brother's cheek. Until at 5 am , she finally fell asleep because of the exhaustion and sleepiness.

In the afternoon, though still feel the labor illness but I felt I was in good conditions, I asked the Midwife's permission to be allowed to go home. Because as bad my pain, I still feel that it is more comfortable in our own house and own bedroom. Then we went home that night, at the time of a year's closing on December 31, 2009.

That night when the outside is filled with New Year's frenzy celebration and a firecracker noise of fireworks, too, we slept soundly in our room. Not because we do not care about the New Year's arrival. But because we were very satisfied and grateful with the 'End of Year's Gift 2009' which God had given to our family.

Read Indonesian Version

NEW YEAR'S REFLECTION 2010

noreply@blogger.com (FSidupa) — Mon, 28 Dec 2009 11:28:00 +0000

At the end of this year, maybe many of us are starting to evaluate our lives during the year of 2009. Usually we start to evaluate how far we've walked, how many steps we have go forward or perhaps how many times we have failed.

But actually below are what is usually comes on everyone's mind about the year of 2009

Do we have achieved our target, which have set before?
Did we have very much failure stories or success stories?
Did we often experience a forward progress or otherwise?

I won't guess. But seeing the economy climate today, there will be several people who feel hopeless, desperate, weak and helpless. It may be happened, because these group of people experienced a failure or economic decadency compared than a year ago. Hearing the economic prediction about what is going to happen next year, mostly predicted bad news. Of course, many people who experienced failure are going to feel their faith weakens.
But there's good news that I want to give at the end of this 2009. Read this following :

"Why sayest thou, O Jacob, and speakest, O Israel, My way is hid from the LORD,
and my judgment is passed over from my God?
Hast thou not known? hast thou not heard, that the everlasting God, the LORD,
the Creator of the ends of the earth, fainteth not, neither is weary? There is no searching of HIS understanding. HE giveth power to the faint; and to them that have no might he increaseth strength.
Even the youths shall faint and be weary, and the young men shall utterly fall:
But they that wait upon the LORD shall renew their strength; they shall mount up with wings as eagles;
they shall run, and not be weary; and they shall walk, and not faint."
(Isaiah 40: 27-31)

The words above said that we should not feel abandoned or forgotten by our Lord, just only because every failure that has happened in our lives. The verses also say that GOD understands what we experienced and the burden we have carried today. How do we feel desperate and began to feel our hope are in vain. And it shows that we start to loose our faith.

God says that He is the GOD, the Creator of this world, HE is watching us and every our steps. How Powerful is HE and HE wont become tired or faint. Eventually HE looks at us as HIS human creations that may often 'tough' or not obey HIS Words. If our Lord is human, perhaps even more HE shall desperate when seeing us. But, it won't be happened! The Lord our God will not become tired or faint. HE has an amazing plan for us and must be extremely well done for us.

Whatever happens in our lives so far. Do not worry, despair, or become weak in our faith. Remember, that our GOD has a great plan for people who still put their hopes to HIM. He said that we would be like an eagle flying high up during a storm. We can learn from Joseph in Bible who exiled by his brothers into slavery and experience events, which 'seems' like living in a failure or decadency along thirteen years. But what happened, because he remained loyal and believed in the Lord - he could unexpectedly become Pharaoh's right hand. Even he has the same position as Pharaoh himself.

Keep faithful and keep 'open your wings', so that eventually then you had experienced a miracle from GOD. Yes, let HIM who raised you, though this time you 'are in prison' or in the period of decadency. As long as you still remain in His Words, keep loyal and trusting to Him, surely the Lord will raise you up for the glory of His name.

Thus, you will enter the year 2010 with a boldness, no doubt, and belief that there will be many success waiting you there.

Free Press Release

noreply@blogger.com (FSidupa) — Fri, 25 Dec 2009 10:17:00 +0000

When you search for keyword Free Press Release on any search engines, http://www.free-press-release.com/ shall appear as the very top ranking visited website. No doubt because it is a Free Online Press Release Service since 2001. It also provide more benefits for 'Premier Press Release'. So if you want to submit your press releases at no charge members, you surely can register here and make your job easier. It can bring you very much dollars in revenue more than you expected. Its' distribution shares services for complete information news or articles about your business details. By registering whether as 'free' or 'premier', this site also helps you to bring more potential customers to your business. As your release is a professional written press release, you can increase your sales and promote your business or products all over the world.

BREASTFEEDING

noreply@blogger.com (FSidupa) — Tue, 22 Dec 2009 19:24:00 +0000

It is important for new moms to breastfeed their babies rather than give them milk from bottles. This means to keep our babies immunity factor from any diseases during their growth. When the baby is applied to the breast for the first time, it must be nursed upon a certain plan. It is required for the well doing of the baby, and will contribute essentially to maintain the health of the mother, who will result a good nurse, and at the same time she shall enjoy her duty.

However, the mother who gives a careful attention on this part to her own health because considering her child is essentially dependent upon it. Healthy, nourishing, and digestible milk can be procured only from a healthy parent. On the other side, if a mother impairs her health and digestion by improper diet, ignoring exercise, and impure air, she will provide as wholesome and uncontaminated fluid for her infant. So she should diligently concerned to these important points. Every example of reluctance in nursing is liable to affect the baby.

In west culture, it is a common mistake to opine that, because a woman is nursing, she should therefore to live very fully, and to bring an allowance of wine, porter, or other fermented liquor, to her usual diet. But as a result, it caused an unnatural level of fullness in the system, which places the breastfeeding on the brink of disease, and which of itself frequently puts a stop to the secretion of the milk, instead of increasing it. The right step of proceeding is clearly, just give attention to the ordinary laws of health, and moms ought to have a sound constitution for making a better nurse, than by any foolish deviation of ignorance and unreasonable impulse.

The following example proves the correctness of this statement:

A new mom confined with her first child, left the lying-in room at the expiration of the third week, a good nurse, and had a perfect health. She had got some slight trouble with her nipples, but it was overcome shortly.

Now the porter system was begun, and from a pint to a pint, a half of this drink was taken in four and twenty hours. It was happened not because there was any deficiency in the supply of milk, for it was ample, and the infant thriving upon it; but because she was told that it was usual and necessary in nursing, and that without it her milk and strength would go bad.

After this program had been followed, just in a few days mom became drowsy and disposed to sleep in the daytime. Headache, thirst, a hot skin, in fact, fever supervened; the milk decreased in quantity, then the stomach and bowels of the baby became disordered for the first time. The porter had consistently to be left off, remedial measures were prescribed and all symptoms, both mom and baby, were after a while removed, and health restored.

From an advice from her former about dietetic plan, that becoming a mother, it is a habitual to take a glass or two of wine, and occasionally a tumbler of table beer, but with the addition of half a pint of barley-milk morning and night. Both parent and child kept going in excellent health on the remaining period of breastfeeding, and the latter did not taste artificial food until the ninth month, the parent's milk being all-sufficient for its wants.

No doubt that the porter was in this case the root of the mischief. The patient had gone into the lying-in-room in full health, got a good time, came out from her bedroom, comparatively as strong as she entered it. Recurred childbearing had not previously worn them down and nursing, she had an ample supply of milk, and was fully capable. Therefore, by doing the duties which now passed upon her, without repairing to any unusual stimulant. Her previous habits were fully adopted the plan, her system became too full, disease was produced, and as a result there was nothing more than what might be expected.

The program was adopted for the first six months. It may not be until the second or third day the breast-milk is fully established (almost invariably in a first confinement). The baby must be fed upon a little thin gruel, or upon one-third water and two-thirds milk, sweetened with sugar loaf.

The breast must obtain its nourishment, and for a week or ten days the appetite of the infant must be the mother's guide, as to the frequency in breastfeeding. The stomach at birth is feeble, and so far unaccustomed to food, hence, are easily fulfilled, but they are frequently renewed. However sufficient for digesting the little swallowed, is obtained before the appetite revives, and a fresh supply is needed.

From the first day of suckling, it must be done with safety. Then nursing the infant at regular intervals of three or four hours, day and night. It allows sufficient time for each meal to be digested, and inclines to keep the bowels of the child in order. Moreover, this regularity will do much to eliminate fretfulness, and also the constant cry that could be managed only by constantly putting the child to the breast. A young mom very frequently encounters a serious error in this detail, considering every expression of uneasiness as an indication of appetite. Also whenever the baby cries offering it the breast, although ten minutes since its last meal may not have elapsed. It is a harmful and even dangerous practice for, by overloading the stomach, the food remains undigested; the child's bowels are always out of order. It shall become restless and feverish, and eventually maybe lost. The infant might have become healthy and vigorous by simply practicing to the above rules of breastfeeding.

For the same reason, the baby who sleeps with its parent must not be allowed to have the nipple remaining in its mouth all night. If nursed as suggested, it will be found to awaken, when the hour for its meal approaches, with great regularity. When doing a night nursing, it is suggested to breastfeed the infant as late as ten o'clock p. m., and not putting it to the breast again until five o'clock the next morning. Many moms have adopted this step, with great advantage to their own health, and without disappointing the child. After it soon becomes a habit, however it must be taught early to induce it.

The foregoing program without variation, must be followed to the sixth month.

To the time of weaning after the sixth month, if the parent has a large supply of good and nourishing milk, and her child is healthy and apparently flourishing upon it, no change in its diet ought to be made. If otherwise, however the child may be fed twice in the course of the day and that kind of food chosen which is found to agree best after a little trial.

Oily Skin Care Tips (3)

noreply@blogger.com (FSidupa) — Mon, 21 Dec 2009 10:00:00 +0000

Here I want to give caring tips for an oily skin face by using a lime mask. Lime mask is a very good treatment to control the excess oil on your face. Interested?

Follow these steps:

Take a lime after you washed it, then sliced into two parts.
Squeeze the lime, take the water juice. You will only use the lime peel, while the juice can be used to make beverages.
Rub the inside of the peels to clean your face, then leave about 10 minutes.
After about 10 minutes, rinse your face with clean water. Perform this treatment once a week.

Ok.. Happy Caring ...

TEACHING YOUR CHILDREN TO KNOW GOD (seri 1)

noreply@blogger.com (FSidupa) — Mon, 21 Dec 2009 09:29:00 +0000

I remembered one moment in my childhood, when I was being a teenager. At that time, I've started to go to the Sunday Service, which attended, by parents and adults. Because I had not come to the Teens' Service anymore. At that time, I always go alone to Church with cycling because of the distance to the Church was not too far away. As usual, I always follow the service to the end, until the Pastor gave the blessings' prayer and afterwards I went home. One Sunday, either because of boredom or did not see any friends. I went home straight away as soon as the Pastor finished his preaching and began to pray intercession.

When I got home, my parents were immediately reprimanded me and said that it was the MOST BAD Attitude before GOD's presence. They said that I must follow through to completion of Worship or Service whatever the reason, because I had to honor God, as God is present and watching over me. Though still young, I did not deny that my behavior was an impolite behavior at that time. I supposed like people who visit a house and quietly leave without permission when the host was not finished talking to me.

Since then, my heart never felt at peace when I come home without a Blessing Prayer from Pastor. And indeed I never do that again.

I want to share here, is that how do we inculcate the acknowledging of God to our children is very important. Sometimes, unknowingly we think that our child was still about one or three years old and they did not understand when we taught about the Lord God who is Invisible. In fact, just at those early ages we can instil the basic or strong roots to them, so that our children know God very well for their lifetime. We can read about the parable of these roots in Matthew 13:1-23.

Do not under estimate what you have taught to your children. Something which has stuck in their minds will never be dislodged the roots easily, especially if you have invested about the God's Words in the earliest possible ages.

One example that until now I do not understand is, how could the parents let or not reprimand their children while running around and shouting in the midst of service at Church. If at that time our children were not healthy or get fussy, it may be accepted. But, what if done many times? Maybe it seems too extreme. However, it is very important to start teaching your little children about fear and reverence to God, just as they respect us as parents (even more). Do not worry. Your children must be understood when you are talking to them wisely.

Most of our children are like a loose soil. The Children's Ministry Resource Bible has presented the results of the ages of people when they became Christians. The study said that :

1 percent responding a Good News when they were 4 years old yet.
85 percents came to Jesus when they were aged between 4 to 14 years.
10 percents were saved between 15 to 30 years.
And only 4 percents who want to receive Jesus as their Saviour, after they were aged over 30 years.
(Children's Ministry Resource Bible. Nashville: Thomas Nelson, 1994)

It is clear to say that most kids have a will to hear. They are not a hard ground. Its' roots have a chance to grow depthly. So, now how old is your child, use this time to teach your child about God before you regret it and it was too late to fix it.

Oily Skin Care Tips (2)

noreply@blogger.com (FSidupa) — Sun, 20 Dec 2009 18:00:00 +0000

Here I also want to share tips on overcoming oily skin problems by using potatoes. The steps are described below :

Prepare two potatoes. Mash them to a pulp.
Rub the potatoes all over the face, then wait about 25 minutes.
After about 25 minutes, wash your face with warm water. Then rinse again with cold water. Perform this treatment routinely. Do it at least once a week so that the oil levels in your skin to be normal.

Happy Caring ...

Claim Blog On Technorati

noreply@blogger.com (FSidupa) — Sat, 19 Dec 2009 10:43:00 +0000

What a busy day... About one week ago my URL was failed when tried to claim blog on Technorati. On that day, I was given up. Today I try it again and I find a difficulty as before. After surfing to many blogs which give a tutorial how to claim, I try again to post the claim token
which had sent by email. Will my blog be verified today? Let's see together. Because after it is verified, I will share another post how to be success in TECHNORATI the one of the most popular web directory.

(waiting a half hour..... ) And I have succeed..

Now as my promise, below I give the step details about claim blog on Technorati :

Fill in 'start a blog claim' column with our blog URL address, then click 'claim' button.
After that, fill in the blog title and URL of your blog.
One week ago in this section, I entered the wrong feed URL. So for you who the member of blogger.com, your feed URL is http://YourBlog.blogspot.com/atom.xml. As for you who are the wordpress member, your feed URL is
http://NamaBlogAnda.wordpress.com/feed/
Fill in the 'Linking Blogs', 'Site Description', 'Site Categories' and 'Site Tags' buttons as usual.
Then click 'proceed to the next step'.
There shall appear 'Blog Claim Status' window that stating an on going process. Wait until an incoming email in your email account from Technorati, which informs you the code of the 'claim token' of your blog.
Once we receive this email, click the URL given. Let the web window remains open. We should post 'claim token' which has been given
APY7YC6K6TJX
into our blog posts (like this posting sample that you're reading right now. The kind of posting is up to you). Then click 'Return to profile' on that 'Blog Claim Status'.
Then you can go back to 'claim blog' column, and click 'check claim'. Wait a moment and there will appear a statement from Technorati, says
"we have successfully crawled your blog and found the claim token, and your claim is now awaiting review."

Next, you just wait how Technorati will respond to the blog URL that you have been successfully claimed on the next days. Good luck and be $ucce$$ in blogging.

Oily Skin Care Tips (1)

noreply@blogger.com (FSidupa) — Thu, 17 Dec 2009 05:30:00 +0000

Now I want to give tips about overcoming oily skin problems by applying fruits.

These are the steps of treatment :

Prepare 1 apple, 2 calamondin, 1 / 2 cucumber, 1 sweet orange and 2 tablespoons of rose water.
Peel the apple and cucumber and crushed them, squeezed the calamondin and sweet orange.
Mix the apple, cucumber and the lemon juice with rose water.
Apply this treatment ingredients evenly on the face, then wait for 5-10 minutes.
After a while, rinse face with warm water then rinse again with cold water until it cleaned. Perform this treatment once a week.

Christmas Tree : The Definition & Its' History

noreply@blogger.com (FSidupa) — Wed, 16 Dec 2009 16:42:00 +0000

Christmas has come and splendor was already beginning to look at several public places in each city. The houses had been started on the Christmas tree with different variations and accessories. Surely for Christians who celebrate the special day.

But this time I just want to discuss about how the Christmas tree can be part of the celebration of Christmas itself. History and relationship with the birth of Lord Jesus Christ or the Prophet Isa. Of course this I got from some trusted sources like wikipedia and so forth.
Description of the Christmas tree itself is a kind of pine tree either real or artificial tree, adorned with various ornaments, wreaths and tinsel, or even with the lights (first candle).

The Christmas tree is usually installed in homes or church buildings, but also can be used in the open during the days around Christmas. Angel or star is often placed at the top of the tree. This is to describe the presence of the angels or the appearance of Bright Star of Bethlehem, the birthplace of the Lord Jesus Christ.

There is some controversy that arose over the Christmas Tree. Some groups of people against the use of the Christmas Tree. The reason, because it considers that it is contrary to Scripture. Jeremiah 10:1-5 verses are interpreted as opposed to the use of a Christmas tree because it is a form of idolatry. There are also opinions that opposed for fear that use of the Christmas Tree will create a new religion. Even in Boston, in 2005, pine tree used to decorate the Boston Common has changed its name from "Christmas Tree" to "Holiday Tree. Although it did not last long, so his name back to "Christmas Tree". There are also some groups who do not even want to celebrate Christmas at all because it is also thought that it is idolatry.

Isaiah 55: 13, referring to the pine tree as a sign of God's fame in the celebration of eternal life, which will not be cut.
Ezekiel 47:12 and Revelation 22:2 use trees as a symbol of new life that produces fruit, compared with the story of Adam with the fruit of the Tree of Life (Genesis 3:22-23). Even the Apostle Paul makes the relationship between Adam and Christ are clearly illustrated in the book of Romans 5, that Adam was the image He is going to come. Hence, the Christmas tree can be seen as a reflection of the tree of life, and also the symbol of the sacrifice that brought redemption.

However, there are also some churches that only use a Christmas tree as decorations at Christmas time without debating its use. So, for today we are celebrating Christmas may be many who are in this group. Or we also stand on the assumption that the Christmas tree is the symbol of the Tree of Life as described above.

Even so, existing sources said that every year, approximately 36 million Christmas trees are produced in the United States, and 50 to 60 million produced in Europe. In 1998 it is estimated that Americans spend $ 1.5 billion just to buy a Christmas tree.

Read Indonesian Version

Face Caring Tips for Oily Skin

noreply@blogger.com (FSidupa) — Wed, 16 Dec 2009 16:32:00 +0000

Oily skin is the skin that produce excess oil because of the high activity of fat in the skin glands. As a result dirt and dust easily so stuck on our face, until acnes and black spots arise. Oily skin is usually influenced by hormonal factors during puberty, or due to have the wrong habits by eating spicy and fatty foods.

The skin characteristics that include as an oily skin are :

• There has a black stain and acnes on the face .

• Facial skin was sticky and oily, especially around the nose area.

• Sometimes the skin experiencing itching for allergy.

If your skin including an oily skin, here is the following tips to care for it

Cleanse your skin regularly to remove excess oil accumulated in the pores of the face. Clean the face of at least three times a day, especially after traveling, in the afternoon and at bedtime. This is done to avoid the attack of bacteria and germs on the accumulated fat in the skin, that can cause ulcers and acne.
Apply treatment with lime juice on a regular basis. This is because the pores of oily skin tends to widen, and lime juice can shrink the pores so that the fat goes down.
Reduce consumption of chocolate, spicy foods, foods that contain many spices, coconut cream and fried foods. These foods can trigger the appearance of excessive fat in the skin.
Perform facial cleansing and massage by doing facial with peel.
You can also do face evaporation. Take a basin and other container, then fill with boiling water. Put your face over the boiling water with a towel covered around the head, so that the steam is concentrated on the facial skin. It is also to shrink the facial pores, impurities and to reduce excess oil levels.

Read Indonesian Version

Prita Mulyasari & The Human Rights Day

noreply@blogger.com (FSidupa) — Sat, 12 Dec 2009 09:40:00 +0000

On December 10th, 2009 all people in the world celebrate Human Rights Day. In Indonesia, all mass media and television networks report actual news around us - about people who experience human rights deviation. Some of these people represent only a small fraction of the millions people in Indonesia.

Probably there's a lot more common people who have the same fate, but the cases not detected by our mass media. Human rights of these people had been deviated by rogue elements of government or upper classes people or institutions, who claim that they 'only do the obligations and responsibilities'.

One hot topics being discussed today is the case of Prita Mulyasari who was demanded by Omni International Hospital, for the defamation conducted by Prita's electronic mail (on the internet). Final decision imposed by the court to this mother of two toddlers, is he was required to pay a sum of 204 million rupiah to the Omni International Hospital. It is regrettable to hear things like this may still be happened in our beloved country of Indonesia. A Nation which is based on the first two precepts of Pancasila, which declare the belief of our nation to one God, also the Just and Civilized Humanity. They are described about our country is a nation who believe in the One and Only God and how our consciences have respects to each other as human beings, also in giving a fair decision and uphold the human civility in our country.

But thank God, because nowadays our society was also quite critical and do not stay still when saw injustices happening in the midst of us. For example, one form of their concern to Prita Mulyasari's case is by coin collecting to support Prita. All people from the pedicab drivers, housewives until the elementary students came to donate the coins to show their concern to Prita. As this article was made, coins that have been collected in the main post have already amounted to 151 million rupiahs. Even before Fahmi Idris, from the Indonesian Doctors Association also donated money amount 102 million Rupiahs to Prita. It means, it's a real fact that our society still has a high level of appreciation to the Indonesian Human Rights. Yes, it was actually still there.

Not only Prita who's being the victim of human rights violations. Do not forget also about the fate of our TKI (Indonesian overseas workers) who also become the victims of Human Rights violations, and several other cases that may not be as lucky as Prita. The difference is only in whether or not the cases are being exposed to public.

Whatever is happening around us right now, whoever we are, and whatever level of our position in community, as the Indonesian nation we must strongly have this one basic principle. It is : Do never ever forget about who we really are and where we came from. About our nature as the Indonesian people, who fear and believe in God Almighty. Thus we will always respect the freedom of every human being in Indonesia to be treated equally, listened to and respected. As the wise man said "If you want to be treated well, treat the same thing to everyone as you wish to be treated that way."

Read Indonesian Version

SALES TIPS : Ask and You'll Get It

noreply@blogger.com (FSidupa) — Mon, 07 Dec 2009 13:56:00 +0000

When we give a sales presentation with a professional and friendly ways, actually most prospects really want to answer 'yes'. Especially, when you have given to the prospects an explanation of their needs analysis, the awareness of needs, and solutions for needs .

Generally, at that time we tend to hesitate in asking their 'yes' answers, because it might end the relationship. But still, to OBTAIN - we must ASK!

Chris Hegart, a sales expert, says that 63 percents of all sales interviews end, with the sellers did not specifically ask for answers to their prospects. When you act tough but still friendly and professional, you will succeed to close your sales.

Read Indonesian Version

SALES TIPS : What if A Prospective Buyer Refuse?

noreply@blogger.com (FSidupa) — Mon, 07 Dec 2009 13:50:00 +0000

The most reason often occurs from a prospect that rejected your offer, is because they lacked to 'know' to accept. Sales statistics say that roughly 60 percents of sales occurred after the prospect says 'no' five times.

One thing you should do is to never argue with them. Realize that your job was not finished. Give the information required such as any additional reasons, the main benefits and the privileges to the prospects. So, they will say 'yes' right away.

Usually your prospects will take a new decision based on new information, which profitable for them. Investigate the main or the real reason of the prospects' objection. If you were able to identify the real objection, then you can take another step to overcome them. Or you can move to another prospects, rather than wasting time to try to close sales that will never be happened.

Read Indonesian Version

SALES TIPS : Dealing with Unfriendly Customers

noreply@blogger.com (FSidupa) — Mon, 07 Dec 2009 13:44:00 +0000

Against the people who gave us the order and treat us friendly, we all can be kind, friendly and enthusiastic. But what if we have to deal with grumpy or with unfriendly people?

If you can not resolve it, then your value as a seller will be priced lower by companies that hire you. Because your value was determined from the skills of how you are dealing with people, in a professional and effective ways, including with unfriendly customers.

Here are the tips on how to deal with unfriendly or grumpy customers :

When customers are being angry with mounting emotion - force yourself to be relaxed. Just listen to these people and do not interrupt.
When anger is being released, your next strategy is to lower your voice and speak every word clearly and slowly.
Physically get out from that situation, because it began to develop to personal matter.
Begin your response by saying thank you. If possible, offer yourself sincerely to solve the existing problems, by finding the best solution.
After the anger and the resolution occurs; usually the customer shall realize their mistakes and be embarrassed. This is an opportunity for you to improve your business with him.

If you are seriously engaged in sales for a long time, realize that you will often find some misunderstanding and complaints from customers. Look at this as an opportunity for you to grow and become more successful in your career.

Read Indonesian Version

9 SECRETS OF CLOSING SALES

noreply@blogger.com (FSidupa) — Mon, 07 Dec 2009 08:05:00 +0000

Every Sales Person wants to be an expert in closing sales, but sometimes does not realize if they miss one step from the list below. You can note this nine secrets of closing sales and see how you can close your sales offering.

1. Approaching Prospects
Make a names list of people you acquainted from childhood. Don't forget to write down the phone number and the addresses. Also make a names list of people, you really do not know very well. Generally, one person has acquaintances about 200 people. Can't we be acquainted with another 1000 people from these 200?

2. Take Action
You can start to sell or arrange a selling presentation by using the list, wherever and whenever you need it.

3. Do the Observation Carefully
Observation is the key to establish a good communication. Through observation, we can know more the character and personality of our prospects. The more easily we can start a conversation, the easier also, for the prospect to accept our offers.

4. Product Knowledge

Good knowledge about your company's products and their benefits, will greatly help you to promote to the customers. In addition, we also must recognize other companies' products so we are always competitive. This also meant that we can answer when they asked, had a confidence and gain trust from customers.

5. Prepare Yourself
Prepare yourself well before you meet with prospective buyers. For when we see him without preparation, the direction of our conversation with him might be rambling.

6. Determine Your Sales Targets
The main thing you should first determine is how much income you want - certainly higher than your previous income. Establish a high standard of sales so that if later fails, the end result is good enough, maybe 80 percents. Evaluate your results on a regular basis to evaluate your progress. If not match, check the causes whether external or internal factors

7. Give the Best Service
This generally applies to products with 'after sales' services. 'After sales' services are very important. This meant that our customers can make a recommendation about us and our products to their friends and relatives.

8. Having an Organized Time Management
Prioritize any jobs that urgent and important. Finish them on that day. Organize your time effectively.

9. Have a Dream
Of course, each of us has a dream. Everyone who started a job without having a dream - will no succeed on that job. He likened unto a man who walks with no destination. Dream is very important because it will guide us with the real action plans. Meanwhile, the goals either for a medium or long term will give us the stamina to walk away.

Read Indonesian version

SUCCESS TIPS IN PSYCHOTEST

noreply@blogger.com (FSidupa) — Wed, 02 Dec 2009 13:15:00 +0000

The Psycho test is a test to analyze individual's inteligence and personality. No 'failure' mark in this test. The result is whether you are suitable or not with the Company's requirements, who held the test. Because of each company has their own different standards, criterions, qualifications and requirements. It means if your result does not meet with ABC Company (for example), it very likely you fit in other company.

However, there are 10 tips to success in psycho test.

1. Prepare yourself with enough rest.

Often people are fail on this test because of the stress factor, though they actually capable in it. Thus, adequate rest and be relax while facing the test.

2. Don't forget to have breakfast before a test session.

3. Prepare yourself and your mentality.
Because the accuracy test, inteligence and creativity has a specific purpose. You ought to anticipate all sorts of types of questions and tensions to be faced.

4. Have a positive thoughts and beliefs that you undergo this test not only for an economic reason. But to get a position which really fit with your abilities, talents and interests.

5. Condition yourself in the calm situation and not panic to whatever you feel. When you panic, you are going to feel the tests are more difficult.

6. Be optimist that you can do the test very well. Avoid being pessimist about the problems faced.

7. As you answer the questions, choose the answers that trully represent yourself.

8. Do not cheat. Your neighbor's answers should be very contradicted with your personal result. So, fill out the answers honestly.

9. Don't be unconfidence by other people's answers. Remember that the result of the test is a reflection of your your own characters and talents.

10. Read all the instructions about properly. And also, note the test' assignment time.

So, good luck and don't forget to always be optimistic, keep positive and always highly motivated.

Read Indonesian version

A Super Teacher - Humour

noreply@blogger.com (FSidupa) — Tue, 01 Dec 2009 13:27:00 +0000

One time, there was a teacher who suffered a back pain. Entire his back, chest and stomach were had to be cast. The plaster cast were covered while he worn his clothes.

On his first day's class, he had a difficulties with some of his naughty and disobedient students. With confidence, he walked to the window and opened it. Then he sat at his desk and opened his book.

Meanwhile, the winds were blowing and made his tie flapped. He took a stapler and then stapled the tie to his chest.. Since then, his students never do the disobedient and be more discipline.

Business Opportunity Pre-CHRISTMAS

noreply@blogger.com (FSidupa) — Sun, 29 Nov 2009 17:59:00 +0000

A Christmas Day is near...

There are so many potential businesses for us, who want any side jobs to increase our income. We can take one of them as an opportunity - to earn money on this Christians' Celebration Day. We may choose one which is matchable with our interests or hobbies.

Sort listed tips below and hope you'll like to try :

1. Selling Delicious Favorite Cookies.
If you have an interest in making cookies - I believe you'll enjoy this activity. Besides having fun in doing our hobby, we also can improve our cooking capability to our family, neighbors or customers. It can open our next opportunity - to get income from making cookies in the next holiday season.

2. Making Handmade Christmas Cards to sell
It is a good choice for you who like any folding arts (such as origami) or drawing interesting pictures. Surely in a Christmas theme, if you want to sell them in Christmas moment.

3. Sell the Handmade Christmas Ornaments
This kind of business also needs an ability in art working. You have to be creative. And by inventing some new kind of Christmas ornaments, will be an advantage for you to get more appreciation from customers.

4. Making Christmas Parcel Packages
This is also one kind of business you may choose. The profit from selling and making this Parcel Package will be approximately up to 150% from the capital prices. Your capability to maintain luxurious and elegant packages, must be needed to perform this business.

5. Make offerings for Christmas Chocolates Packages
There are two ways in maintaining this selling opportunity. You may choose to cooperate with the person who produces the chocolates. Or you can produce your own Chocolate if you can make them. You must have to package the Chocolates beautifully so your customers will satisfy, and are going to choose you as the best chocolate seller for Christmas.

Ok.. Which option are you going to prefer from the lists above?
Run one or more business could be your choice. Hope these tips can make some profits for you to increase an income before Christmas. Start now and enjoy your Christmas Holiday Season!

GOD's MAGNIFICENT WORK

noreply@blogger.com (FSidupa) — Sun, 29 Nov 2009 17:30:00 +0000

Prof. Isaac Asimov had an interesting Research about Human Brains. There are some magnificent reviews from this research :

Human Brains has 200 billions cells (as much as the stars in the galaxy)
Human Brains could maintain 100 billions bytes of information (equal with 500 encyclopedias)
The Speed of human thoughts is 300 miles per hour (it is faster than the fastest train in Japan)
Human Brains having more than 100 quintillion link connections (more sophisticated than any newest highest processor in computers)
Human has 4,000 ideas in every 24 hours.

(Resource : REMA, 01/03/2009)

When we read this, do our feeling aroused? When I read this, personally I began to decide a new progress of learning everything which I interest to. Though I have finished my college and being a housewife, I want to maximize my brains' potential. All I have to do is always exercise or stretch my brain by recording and innovating ideas. Because according to the research, these both activities will increase the brains' working capacity, connect the brains' nerves, and even can minimize a senility risk.

May every one of us desires to maximize our most potential brains capacity from now on. Never be satisfy with our growing and then stop grow! You have potential capability than you've ever known..

This research also prove that God as our Creator is exist.

Yes, He's Exist! And He has made His Magnificent Work in us.

Today's Reflection : 25 Days before Christmas

noreply@blogger.com (FSidupa) — Sun, 29 Nov 2009 15:56:00 +0000

Lately Indonesia was being in Judicature, Catastrophic and Economy crisis. By KPK cases, Earthquake Disasters in many places in Indonesia and the increasing prices of foodstuff supplies, many Indonesian people start to live desperately and lose hopes. Are we the one of those people?

The recipes to get win from this uncertain situation is in Hebrew 12:28 (TEV) :
"Let us be thankful, then, because we receive a Kingdom that cannot be shaken. Let us be grateful and worship God in a way that will please HIM, with reverence and awe."

1. Be thankful to GOD in everything.
We should be in a thankful heart to our God in everything. Why we should do this? The Bible says because we have received a Kingdom that cannot be shaken. This world can be shaken, but we will stand firmly. Psalm 91:7 says
"A thousand may fall at your side, and ten thousand at your right hand; But it shall not come near you." (NKJV).
Just trust in God's words and you will see His Hands wrap over you and your family. He will never leave you in lacking life and facing disaster. These are HIS promises to us. No doubt of HIS words!

2. Worshipping God with reverence and awe.
It is a must habitual attitude we have, by worshipping HIM with reverence and awe. The verse says this is the way that will please HIM.

Though our nation have crisis in Judicature, we had to have fear of GOD in our hearts for every business we do or every thing we had been trusted by our boss or someone. He wants us to live in holiness recently. By this, GOD says we are worshipping HIM.

Both heart attitudes above will make us receiving 'Unshaken Kingdom' to our lives. This Kingdom from heaven shall take place to our lives on earth. A Kingdom where we live blessedfully and we can be BLESS for our nation. Amen.

What Will We Prepare for Christmas?

noreply@blogger.com (FSidupa) — Sat, 28 Nov 2009 10:22:00 +0000

What will we prepare for Christmas this year?
As a housewife, maybe we'll start thinking to immediately make pastries to entertain our guests. Not forgetting also, we're starting to unpack the boxes from our storeroom then set up Christmas tree with its tiny accessories & lamps.

While the husbands start to work hard to earn money which purposed for buying desired Christmas Presents for family. They also are making plans of a holiday travel for their family to make them get the best Christmas day ever.

The kids also start to make the Christmas wishes and hope that Santa (or parents) will give them the Christmas Presents as they had wished. Hmmm .. if that's all we gonna do?

Do we realize the true meaning of Christmas?
Have we started to think about LOVE sharing on a Christmas day?
By visiting our poor neighbors whose children were starving and probably be in poor health who can't enjoy or having fun on Christmas as we do. Or we can also visit the forsaken children who beg every day whether it's a rainy or shiny day. We can make them happy with small gifts such as giving them clothes, foods, toys or money.

Do we able to spend our money which had purposed for vacation or buying presents, then in the meantime purposed to give them Christmas' Love? Do we have some little time to visit these small people and share the love of Christ for them?