RECOVERY BOILER WORK SYSTEM

Read more »

4 STEPS FINANCIAL PLANNING

Ideally, since the beginning of income, every person has a financial planning, from short term to long term. That way, the productive period does not end in vain, because the efforts that have been done to fruition when the productive ends.

"Financial management is as important as health care. Both of them must be considered to be earned in the work that we can enjoy and use for us as much as possible," said Dwi Kisniarti, Senior Vice President, Head of Wealth Management Commonwealth Bank Indonesia, the press release.

Dwi suggests, there are four steps you can do to manage your finances.

1. Understanding income and monthly expenses.
Before determining priority budgeting with monthly payments as a form of financial planning, you need to understand income and expenditure every month. Furthermore, it should be realistic. But it does not mean not being an investment because there is no more money.

"Start with what we got. With the theory of compounding interest (compound interest), better start faster with smaller amounts, but regularly, rather than wait until the accumulated amount more to start investing," he explained.

To begin with do not need huge funds. Everyone can do it. For example, young investors can invest in mutual funds of Rp 100 thousand / month. You can use AutoInvest system, which cuts funds from a savings account on a regular basis to facilitate young investors investing regularly with ease. Additionally AutoInvest train system also minimizes the risk of loss of discipline if done long term.

2. Defining financial goals.
What are your financial planning goals? Either short term or long term, set clear goals. Investments used to achieve the medium-term, while short-term savings or reserve funds are / emergency. Before investing long-term, first prepare a reserve fund. Reserve funds that should be available is six times that of the expenditures each month.

3. Reduced risk.
Risk in investing is inevitable, but there are several steps to reduce the risk:
* Diversification: In choosing the type of investment, choose which ones have low correlation, or different movement. So when return one type of investment to fall, it will be supported by other investment returns are rising.

* Invest regularly: what matters in investing is not a huge amount, but it could be a number of smaller but regularly. And by investing regularly, this can minimize the risk.

* In investing to get the most optimal return is to buy at the cheapest price and sell at the highest price. But no one else can predict with certainty when prices will go up or down. Therefore, rather than just buying at one time, where there is a chance the price could still go down, we'd better buy at the regular time in which the average purchase price we will be cheaper.

For you are a bit "extravagant", to facilitate disciplined investing, funds should be specified for dinvestasi, in direct debit each month. So although our payday cash runs out end of each month, we've been able to feel comfortable that the investment we've met.

4. Finding the right information.
Before investing you should really understand and feel comfortable with selected products. Do not be shy to ask and find out as much information as possible.

Financial Activities Expo Forum (IFEF) 2012 at the Jakarta Convention Center last October 5 to 7, 2012, could be one way for you learn a variety of financial products. You can gain knowledge of the event.

Read more »

LITTLE 5 WAYS TO WATCH TV NOT TOO OFTEN

Watching television is now it has become a difficult activity released in kesehariaan. But too much television, especially in children, is also not good.

According to child psychologist Vera Itabiliana, too much TV can affect the concentration of children. Watching television more than four hours a day is also likely to make children obese. Thanks to television, the child can also be a consumer.

Therefore, before it becomes a habit, you should since I was a toddler, kids should not watch too much television. Here are five ways to limit your child from watching television, as quoted by WebMD:

1. Involve your child activities

Indeed, this will be a little inconvenient you. But there's no harm in applied rather than to make television as a babysitter child. When you clean your house, ask your child help. For example, he swept, while you clean the dust. If you cook, with whom he is. Children can participate weed would you cook vegetables, such as spinach and beans.

2. Avoid Ads

According to the American Academy of Pediatrics, each year the children saw 40 thousand advertisements on television. Children under the age of six years still do not understand the difference ads with actual events. So that no child should be exposed to too much advertising. Should select few television shows ads. If it's children will watch television, play it his favorite movie on a DVD player.

3. Accompany Child

Let's not make the TV as a babysitter for your child. Always sit with your child with him when watching television. If it had seen a television show is over, do not let the child replace the channel and look for other events. But tell your child that you should finish watching TV and doing other activities.

4. Explain Reasons Why TV Off

When you turn off the television, explain to him why it was done. Do not immediately turn off the television without first, the child knows the cause. "Tell him, if today was pretty much watching the television," said Donald Shifrin, expert health and child development from the University of Washington Schoolf of Medicine, Seattle. He is also a member of the American Academy of Pediatrics.

Donald also suggested, preferably before starting to watch television, you've explained how many events may be seen. You can make an appointment with him so that the child will not get angry when you said it would turn off the television.

5. Give Example

If you do not want children watching too much television, you have to give a similar example. You should also not put televisions in the rooms. Avoid turning on the television as soon as you enter the house or allow objects to remain lit when the kids are not watching it. When eating, you should also not turned on the television

Read more »

FRESH FRUITS THE ENERGY ENHANCER

Fruits not only provide enough fiber for the body but also can provide additional energy because of abortion that serve as energy enhancers. There are some fruits that are known as the energy enhancer. What is it?

Eating fruits is the best way to increase energy because it contains natural sugars and healthy carbohydrates, and other nutrients that could fuel the body.

Here are some fruits that can be energy enhancers, as reported by LIVESTRONG on Wednesday (02/15/2013):

1. Fruits that contain iron

When the iron deficiency, the body will easily weak and exhausted, and can cause anemia. Women are particularly vulnerable to iron deficiency due to blood loss during menstruation.

Fruits that contain iron can be in times of weak energy enhancers, such as apricots, prunes, dried pears, apples, bananas, oranges and strawberries.

2. Fruits that contain high carbohydrates

Bananas provide a quick dose of energy because they contain vitamins, fiber and carbohydrates. Carbohydrates are the body's main source of fuel, so eating a banana is a good way to increase energy levels. Mangoes and oranges also contain a lot of carbohydrates.

3. Fruits that contain lots of water

Fruits that contain lots of water can prevent dehydrated body is characterized by symptoms of fatigue and dizziness. Fruits that contain lots of water such as watermelon, oranges and grapes.

4. Fruits with high fiber

Apple is a fruit that contains many nutrients, including carbohydrates. One medium apple contains about 25 g of carbohydrates. In addition, the skin of the apple contains fiber are digested slowly, and when eaten in combination with other carbohydrates, apple will give long lasting energy

Read more »

9 SWEET DRINKS BAD EFFECTS FOR HEALTH

Consumption of sugary drinks like soda and bottled drinks that contain artificial sweeteners or sugar in bulk is not only associated with different risks of diseases such as diabetes and obesity, but there are still a series of lists other adverse effects on health.

Here are 9 negative impact of the consumption of sweet drinks for health, as reported by empowher, Monday (15/10/2012), among others:

1. Gain weight

A study conducted over the past 20 years to 120,000 men and women, published in the New England Journal of Medicine, found that people who increased their consumption of sweet drinks although only one serving per day may increase the risk of weight gain over time.

Weight gain can significantly looked after 4 years, compared to those who did not change or increase the intake of sugary drinks.

Other studies have found a significant association between the consumption of sweetened beverages and weight gain in children. One study found that for every 12 ounces of soda consumed per day, will add up to the child's weight by 60 percent over the past 18 months.

2. Inhibit satiety

Sugary drinks like soda contains about 240 calories, sugary drinks unfortunately does not produce the same satiety with other solid food despite containing the same number of calories.

So you will eat more solid food to feel full and this will only increase the intake of calories.

3. Increases the risk of heart attack

A study conducted at Harvard of 40,000 participants over two decades found that men who drink an average of one can of sweetened beverages per day had a 20 percent higher risk of heart attack than men who rarely ate sugary drinks.

4. Increases the risk of pancreatic cancer

A study conducted in 2010 by the University of Minnesota found that drinking sugary drinks like soda at least twice a week can increase the risk of pancreatic cancer by 2-fold. The study was conducted over 14 years on 60,524 participants.

6. Higher risk of type-2 diabetes

People who consume sugary drinks on a regular basis as much as 1 to 2 cans a day had a 26 percent greater risk of developing diabetes type-2 than those who rarely drank sugary beverages. The study was conducted by the Harvard School of Public Health in collaboration with Brigham and Women's Hospital in 2010.

7. Debilitating muscle

A study conducted in 2000 and published in the Archives of Pediatrics and Adolescent Medicine found a significant association between carbonated soft drink with fractures among teenagers.

This is because the muscle damage that occurs after eating sugary drinks on a regular basis even in just 4 weeks.

8. Having a higher risk for gout

A study carried out for the past 22 years to 80,000 women found that women who ate just one can of sweetened beverages per day had a 75 percent higher risk for uric acid, than women who rarely drank sugary beverages.

According to a study published in the Journal of the American Medical Association, the risk may be increased with the intake of sugary drinks.

Uric acid is an inflammatory condition caused by elevated levels of uric acid in the blood stored in the joints. The researchers also found the same risk higher in men.

9. Cause tooth decay

All soft drinks and some sports drinks generally contain sweeteners that can erode tooth enamel and causes tooth decay. Sugary drinks can cause acidity in the mouth that is a major factor in the development of tooth decay.

Read more »

8 TRICKS WITHOUT DIETING TORTURED

Dieting is not easy thing to do takes intention and strong determination. The good news, if you want to trim the fat with a diet, then there are eight fun way to do it.

1. Eat more

How so? Apparently according to research from Penn State University, U.S., eating larger portions make you feel full longer. The trick is by eating more vegetables and fruit. So a large portion of vegetables is better than a large portion of chicken steak. The two other most popular trick is to fill half a serving plate with vegetables or vegetables and fruit mengasup first before another meal.

2. Read food labels

A survey from the Centers for Disease Control, the U.S., revealed the fact that people are reading the labels on packaged foods have a lower BMI. Well, that way you can compare the content of fat, sugar, and others. Believe me, there is always a better option.

3. Cut into smaller pieces

This time studies from Arizona State Universty, USA, which spawned the fact that the person who cut the food turned out to eat less than that is not. Next time cut into quarters or two before putting food in your mouth.

4. Enjoy a meal

A series of studies from the University of Minnesota and Texas A & M University, USA, showed that a focus on what you do when you're eating, you'll eat less. Do not eat while watching TV or a movie, take time to really think kind of food you eat. Well, that way, you will feel full faster.

5. Listening to jazz music

Well, there is a surprising fact. Recently, research at Cornell University, U.S., found an interesting fact that listening to jazz music or songs easy listening genre will help you eat about 175 calories less.

6. Do not skip meals

Maybe you've heard how bad the impact would occur if you skip a meal, such as breakfast. However, recent studies are also conducted by Cornell University showed that, if passed at a time to eat, you'll eat 20 percent more. Worse, when you eat, you will not be interested for pick vegetables and healthy protein. In return, you will be stuck in carbohydrates and fats.

7. Drinking cold water

Many news milling about that drinking cold water will solidify the fat instead. But according to Jennifer Wider, MD, many fitness experts believe that cold water can help you burn more calories and accelerate metabolism. Therefore, the time of entry into the body, the water temperature should be the same as the temperature of the body. To that end, the body burns fat so the water is warmer. But it needs to be reminded, drinking cold water does not burn a lot of fat, but it can help speed up the body's metabolic processes. Jennifer Lopez also said that he was among those who regularly drink cold water.

8. Do not look at photos of junk food

University of Southern California examined the photo display a high-calorie diet such as cupcakes, burgers, or soda makes your brain mengidamkannya. So do shopping eyes as in a restaurant or at the pastry shop.

Read more »