How to Get Rich

Getting Rich Through Saving Money

1.Pay yourself first. This means before you go and blow your pay check on a new pair of shoes or a golf club you don't need, put money aside in to an account that you don't touch. Do this every time you get paid and watch your account grow.

2.Make a budget. Create a monthly budget that covers all your basic expenses and leaves a little bit of "fun" money aside. Do not go over this.

3.Downgrade on your car and house. Could you make do with an apartment instead of a house, or have roommates instead of your own place? Could you buy a used car instead of a new one and use it more sparingly? These are all ways to save a ton of money every month.

4.Cut expenses. Look at the ways you frivolously spend money and remove everything. For example, avoid going to Starbucks every morning. That $4 you spend on designer coffee every morning comes out to $20 per week, or $1,040 over the course of a year!

Getting Rich Through a Career

1.Excel academically. Whether it's a four year college or vocational training, most successful people pursue further education beyond high school. In the early stages of a career, your employers have little to go off besides your educational background. Pursue an appropriate degree.

2.Choose the right profession. Look at research survey salaries which indicate average annual incomes for specific professions. Your odds of getting rich are way less if your pursue a career in teaching than a career in finance.

3.Choose the right location. Go where the good jobs are. If you want to pursue finance, for example, there are far greater opportunities in big cities than in rural, low-populated areas.

4.Get an entry-level job and work your way up. Play the numbers game. Apply to many places and conduct many interviews. When you get your job, stick with it to get the experience you need to advance.

5.Change jobs and employer. By changing your environment, you can increase your pay, experience different corporate cultures and reduce risk. Don't be afraid to do this many times. If you're a valued employee, it's also likely your current company may offer you a raise or other benefits if they know you're looking at leaving.

Getting Rich Through Investing

1.Invest your money in education. Go to universities and obtain degrees that are considered in your chosen profession. You sometimes have to spend money to make money. For example, if you're interested in business and obtain an MBA, the money you spent on that will likely earn itself back in a few years.

2.Put money in the stock market. Invest money in stocks, bonds, or other vehicles of investment that will give you an annual return on investment (ROI) that's enough to maintain you in your retirement. For instance, if you have one million dollars invested and you get a reliable 7% ROI, that's $70,000 per year!

3.Invest in real estate. Relatively stable assets like rental properties or potential development land in steadily growing areas is a good example. These are purchases whose value will likely increase over time. Your odds of that happening are better in some spots than other. For example, an apartment in Manhattan is guaranteed to increase over a five-year period.

4.Invest your time. For example, you might like having free time, so you give yourself a few hours a day to do nothing. But if you were to invest those few hours into getting rich, you could work towards having 20 years of free time (24 hours a day!) with early retirement. What can you give up now in exchange for being rich later?

5.Avoid purchases whose value is guaranteed to decline. Spending $50,000 on a car is usually considered a waste because it's a guarantee that it won't be worth that much in 5 years, regardless of how much work you put into it.

6.Stay rich. It's hard to get rich, but it's even harder to stay rich. Your wealth is always going to be affected by the market, and the market has its ups and downs. If you get too comfortable when times are good, you'll quickly drop back to square one when the market hits a slump. If you get a promotion or a raise, or if your ROI goes up a percentage point, don't spend the extra. Save it for when business is slow and your ROI goes down two percentage points.

Sumber : wikihow.com

10 tips for a healthy lifestyle

1. Let it beet

It sounds bizarre, but beetroot could be a secret weapon against high blood pressure. The condition is a major cause of heart disease and stroke, but many people aren't aware they have it as it has no symptoms. Now, researchers from Barts and the London School of Medicine say drinking 500ml of beetroot juice could dramatically reduce blood pressure after just one hour. So drink up the pink stuff.

2. Think outside the box

Us lazy Brits will spend 17 years of our lives on the sofa, with seven years of that devoted to watching TV. Next time you hear yourself say, "I haven't got time to go to the gym" or you opt for ready meals because you're too busy to cook fresh food, think about switching off the box and doing something healthy instead.

3. don't take the biscuit

It may be a good idea to steer clear of the biscuit tin before you go shopping. A team from the University of Singapore recently discovered that the smell of chocolate chip cookies could make women splurge on unnecessary clothes when they hit the shops. The smell activates the part of your brain that wants instant gratification, although that's no excuse for maxing out your credit cards.

4 . Embracing good health

Giving your partner a hug doesn't just warm the heart, it can protect it too. A study by the University of North Carolina in 2005 found that hugging your other half for 20 seconds could lower blood pressure and reduce levels of the stress hormone cortisol. High levels of cortisol have been linked to heart disease and other conditions such as diabetes.

5. Pouring salt on the wound

We eat around 9.5g of salt a day, but the Government wants us to cut this to no more than 6g, as high levels of salt can push up your blood pressure, raising your risk of cardiovascular conditions. Many food labels only list salt as sodium however, but you can do a simple sum to work out their real salt content; just multiply by 2.5. So 0.8g of sodium becomes 2g of salt.

6. Sunny side up

Get outside in the sunshine for a natural boost. The sun's rays on the skin help your body produce vitamin D, which has been shown to fight heart disease, depression, osteoporosis and even some types of cancer. There's not a lot of sun around at this time of year, so make the most of it when it does appear!

7. One is the magic number

One of the largest studies into diet and cancer – the Europe-wide EPIC study – found that eating just one extra portion of fruit and vegetables a day could cut your risk of dying early from any cause by 20 per cent.

8. Holding back the years

Add 14 years to your life by following four very easy principles; don't smoke, take regular exercise, drink sensibly and eat five portions of fruit and veg a day. These simple steps can have a huge impact on your life expectancy, say scientists from Cambridge University. If you only manage one thing, give up smoking as the study found this had the biggest impact on your health.

9. A step in the right direction

Previously, experts thought taking 10,000 steps a day was enough to control your weight, but a world-wide study has just established that women up to the age of 40 and men up to 50 need 12,000 steps a day to help shift that middle jiggle. Invest in a pedometer to make sure you're hitting your target.

10. Laughter is the best medicine

Become a glass-half-full person! Studies have found that those with a positive attitude suffer less from conditions such as heart disease. Find something to laugh at every day to give your feel-good hormones a boost.

Sumber : http://www.independent.co.uk

9 Tips in Life that Lead to Happiness

1.Understand what it is that will make you happy. Everyone has unique requirements for attaining happiness and what makes one person happy may be very different from what makes someone else happy. Revel in your individuality and do not worry about whether or not your desires are comparable to those of your peers.

2.Make a plan for attaining goals that you believe will make you happy. Your mood will very likely increase as your pursue your goal because you will feel better about yourself for going after something you value.

3.Surround yourself with happy people. It is easy to begin to think negatively when you are surrounded by people who think that way. Conversely, if you are around people who are happy their emotional state will be infectious.

4.When something goes wrong try to figure out a solution instead of wallowing in self pity. Truly happy people don’t allow set backs to affect their mood because they know that with a little thought they can turn the circumstances back to their favor.

5.Spend a few minutes each day thinking about the things that make you happy. These few minutes will give you the opportunity to focus on the positive things in your life and will lead you to continued happiness.

6.It’s also important to take some time each day to do something nice for yourself. Whether you treat yourself to lunch, take a long, relaxing bath or simply spend a few extra minutes on your appearance you will be subconsciously putting yourself in a better mood.

7.Finding the humor in situations can also lead to happiness. While there are times that require you to be serious, when it is appropriate, find a way to make light of a situation that would otherwise make you unhappy.

8.Maintaining your health is another way to achieve happiness. Being overweight or not eating nutritious foods can have a negative effect on your mood. Additionally, exercise has been known to release endorphins that give you a feeling of happiness.

9.Finally, it is important to understand that you deserve happiness. Those who believe that they are not worthy of happiness may subconsciously sabotage their efforts to achieve happiness. If necessary, tell yourself each day that you deserve to be happy and remind yourself what steps you will take to achieve the happiness you desire.

Sumber : Lifehack.org

Five Tips on How to Move on from a Painful Breakup

Play it cool. The first months after the end of a relationship is spent deconstructing, overanalyzing and explaining to every one you ever met what went wrong. Instead of jumping straight to the trash talk about how he wasn’t good in bed, try keeping mum on the subject. This doesn’t mean you need to praise him or avoid the topic altogether, but talking it to death will bore your friends and scare new guys away. According to one book I actually found insightful, Delphine Hirsh’s The Girl’s Guide to Surviving a Breakup, “You don’t want your friends to feel as though their lives are unraveling as well or they will not be very helpful to you.” Not only will staying tight-lipped on the subject keep your name clear of drama, but it will baffle him as to why you aren’t pouring with distraught. Win-win.

Take some responsibility. We tend to either blame the breakup on ourselves or entirely on him, and neither really gets us anywhere. A good friend of mine told me about an umpteen-paged letter she wrote to an ex specifically describing how he hurt her and the fault she was willing to claim. She never sent it. At first I didn’t really understand the point, but then I realized venting on paper can be cathartic. There’s a big different between wanting someone and needing someone, and if it’s the latter (which is often the case) taking some credit for the breakup will help you realize why the breakup was for the best.

Don’t play the victim. Women always tend to be the helpless and wounded in movies, and it’s seemingly no different when it comes to relationships. According to the American Psychological Association, women are twice as likely to develop depression than men. Don’t get me wrong, the sympathy is nice when we feel lost and lonely, but it only makes us that much more vulnerable. Be strong and positive. Easier said than done of course, but the stronger-willed we are, the less likely we are to make bad decisions and be taken advantage of by the hard-to-resist rebound.

Work on you. One of the worst mistakes we make after a bad breakup is letting ourselves go physically, mentally, emotionally—or all the above. We tend to break down and spend too much time in our sweatpants wallowing. And wallowing is good—even needed—for a certain period of time. But after the initial breakup shock has worn off, we need to get off the couch and take care of ourselves. After a devastating breakup with an ex, I spent months in bed, most of which remains a blur of time I’ll never get back. Lesson learned. Treat yourself to a manicure or some new highlights. Living well really is the best revenge.

Refocus your life. This step is the hardest because it forces us to admit the relationship is completely over. Sit down and make a new list of priorities—sans ex—and figure out what is important to you. Give precedence to your family, friends, career and yourself. Find ways to fill that time left void by him and try new things. Push for that promotion, reconnect with old friends and take a mini-vacation with your mom or sister. Whatever it is, just count him out.

Sumber : http://www.divinecaroline.com/

How to Get Back Your Love

1.Allow yourself and your love an appropriate amount of time before attempting to get them back. You need time to reflect, improve your self-esteem and confidence, and give yourself greater insight into why you want your ex back. You don't want to jump back into a relationship too soon, or you will most likely repeat the same mistakes.

2.Understand why you broke up with your partner in the first place, and do some self-reflection before deciding whether or not you should try to reunite.

3.Admit to yourself the faults that you have and the role you had to play in your breakup. Focus in on the problems that caused the deterioration of your relationship, and think about what you can do to mend them.

4.Communicate with your love effectively. Try to be rational, calm and clear about your intentions to get them back, while explaining how you plan to change. You should not be intimidated or hesitant to talk about your relationship problems.

5.Apologize to your love for the role you played in the relationship ending. Your love will be more willing to make things work with you if you are the first to apologize for the failure of your relationship, but do not apologize when you are not being genuine.

6.Try to get your ex to have a conversation with you about mending the relationship or understanding why it failed. Identify together what you feel were the major problems in the relationship and come up with plans, compromises or commitments to rectify them. If your ex does not want to talk to you, do not try to push them into it or they may feel defensive or uncomfortable and will not open up to you.

7.Construct an air of confidence so that your love will feel secure in your presence. If you appear confident, you will give your ex the impression that you are certain that you know what you want out of your relationships and your life. Your confidence will express that you are sure in your ability to change and be a better partner.

8.Have a positive attitude about getting back together, and don't dwell on the past. If you are willing to try to make the relationship work again, go back into it without resentment or anger. Believe that the relationship will work out and stay up beat about resolving problems in the future.

sumber : Wikihow.com

10 Tips for Finding True Love and Happiness

1. Leave the past in the past 
When you meet someone new, leave any negative feelings or past heartbreaks just where they should be—in the past.

2. You won’t meet someone new in your living room 
Well, maybe a cute guy will deliver your new sofa, but chances are you’re going to meet someone by getting out there and trying new things—online dating, taking a class, etc. Tell everyone, especially your married friends, that you’re looking to meet someone and ALWAYS go to parties. Because you truly never know who you’ll meet.

3. Give the guy a chance
When you were 20 your list was “he must be tall, dark and handsome.” Try going against type. It just might be a perfect fit.

4. Look at blind dates like a first date 
Two of the authors of our book met their husbands on blind dates, and you can too! If you’re not sure you want to sit in a noisy restaurant, go out and do something fun. One of our Garter Brides went to a baseball game, and she and her date each brought a friend. They had a blast and got married one year later.

5. Time is on your side
Take your time in getting to know your guy and don’t feel in a rush to meet his children or have him meet yours. It starts with the two of you. Make sure this is someone you want in your life.

6. Isn’t it romantic?
Just because you’re meeting the love of your life later in life doesn’t mean you can’t still have passionate, amazing sex! The Garter Brides say “Go for it!”

7. Someone to come home to
When you’re ready to move in together you will discover how wonderful it is to come home to the one you love. Be prepared for some give and take—for example, over which of each others’ belongings stay or go.

8. What’s up with a pre-nup?
Remember that a pre-nup isn’t because you think your marriage isn’t going to work—it’s so you get to decide how your assets and everything you’ve worked for can be protected.

9. Your wedding, your way
Now you’re in love and it’s time to have your wedding exactly how you want it. The Garter Brides have had all kinds of weddings! Remember it is all about you and the man of your dreams. Whatever you want is the way to go.

10. Happily ever after can happen to you
Remember what the Garter Brides always say: “It’s never too late to find true love. We did, and you can too!’

By The Garter Brides from ThirdAge.com
http://www.rd.com

You

First Time I see u..
I know u can be the one..
My heart can't stop beating fast..
This is love lady..

Second Time I see u
U standing there alone...
I greet u n say hallo..
That smile u give never I forget..

Third Time I see u
U walking around with me..
Share love n joy ..
Wasting time together..

I hope that Moment will last forever..
I wont let you go..
I swear it to you..
U are my only one..

THE MOON HAS FALLEN

THE MOON HAS FALLEN
By Mych Ryan

Nothing to say, the rain drifted my words away
No place to stay, the love was taken away
The moon has fallen, the heart has broken
I’m here, fighting against my own demon

The fight of good and bad,
Happy and sad
Love and hate,
But I think it’s too late….

Looks like the demons win,
They’re laughing loud on my sins

Now I’m waiting for forgiveness
From you, not from others
Thousands rivers won’t be enough to wash me
From my sins, and from all the demons in me

I MISS YOU

I MISS YOU
By Algiana safitri

The days that pass me
Lonely only accompanying
Spirit was as if he had died
Would all back
Liver is smiling again
Without the burden on the heart

My own ... ...
my own ... ...
my own, in the illusion

I cried ... ...
I cried ... ...
I crying on the inside
.....
I hate, like this
I hate, when so
I hate .. I hate this fate

I just want happy
I just want to laugh
I just .. I just want to be happy ....
....
If you're here, to always accompany
I miss you so much

MEMORIES OF YOU

MEMORIES OF YOU

By Ronald Soemitro

Wherever I am,,

In whatever way,,,

your memories are always with me,,,

Should I tell anyone or should I not,,

It's the matter of the heart after all,,

It's said that a world moves along with us,,

Even as solitude grows silently in the heart,,

All I have are memories,,

Somewhere in my heart,,

an arrow pierces trough memories,,

Somewhere every pictures dims a little,,

Some find happiness in the shades of a new world,,

Memories of you...

Hold my hand,,

let's remember what we share

Understand that I know you really care

Baby that you ever think of me as your best friend,,??

Remember all those times, we were best friend??

I remember,

It’s been 365 nights since the last goodbye

It’s too long for me, that’s the reason why

Now please come down, get lower

I’m on the top of the tower and can’t go higher

I have something to say to you

I need to tell you, that… I wanna stop loving you

Tugas Bahasa Inggris 3

1. The defendant refused to answer the prosecutor's questions. .........

A. Because he was afraid it would incriminate him.

B. For fear that they will incrimate him

C. Because he was afraid that his answer would incriminate him.

D. Fearing that he will incriminated by it.

The right answer: A

2. Mrs. Walker has returned ..........

A. A wallet back to its original owner

B. To its original owner the wallet

C. The wallet to its originally owner

D. The wallet to its original owner

The right answer: D

3. The hospital owes ............  For the constrution of the new wing.

A. The goverment twenty million dollars

B. For the goverment twenty million dollars

C. To the goverment twenty million dollars

D. Twenty million of dollars to the goverment

The right answer: C

4. Sarah ,,,,,,,,,,,,,, that she could not attend the classes next week.

A. Told to her professors

B. Said her professors

C. Told her professors

D. Is telling her professors

The right answer: A

5. The artist was asked to show some paintings at the contest because,,,,,,,,,,,,,

A. He painted very good

B. They believed he painted well

C. Of their belief that he was an good artist

D. The judges had been told of his talents

The right answer: A

6. If motorist do not observe the traffic regulations, they will be

                               A       B                                                 C       

stopped, ticketed, and have to pay a fine

                                           D

The answer: D

7. Fred, who usually conducts the choir rehearsals, did not show

                                                               A

 up last night because he had accident on his way to the

 B                                          C                           D

practice

The answer: B

8. A short time before her operation last month, Mrs. Carlyle

             A

dreams of her daugther who lives overseas

      B                                             C          D

The answer: B

9. The atmosphere in Andalusia is open, warm, and gives a welcome feelingto all who have the good fortune to visit there

                                                       A                                                         B                          C            D

The answer: B

10. Some of the people were standing in the street watched the parade, whileothers were singing songs

                    A                              B                                 C                                     D

The answer: C

Tugas bahasa Inggris ke 2

TOEFL EXERCISE (Skill 1-3): Choose the letter of the underlined word or group of words tha is not correct.

1.             Nobody know when the process of glass making was invented. 

A                         B                                  C        D

Answer: A (know) it must be “knows”

2.             The languages of the world presents a vast array of structural and

                                                    A                    B

 similarities differences.

        C                D

Answer: A (Presents) It must be “present”

3.             The rise of multinationals have resulted in a great deal of legal

                                                A         B

ambiguity because multinationals can operate in so many juridictions.

                                                   C         D

Answer: A (have) it must be “has”

4.             All of the east-west interstate highways in United States has even

                                                                                              A

numbers, while north-south interstate highways are odd-numbered.

       B                                                             C              D

Answer: A (has) It must be “have”

5.             When a massive star in the large Magellanic Cloud exploded in 1987, a

          A                                                                                 B               

wave of neutrinos were detected on Earth.

                             C          D

Answer: C (were) It must be “was”

6.             Every open space in the targeted area that has grass and a few

                                             A                          B

bushes are occupied by the white-crowned sparrow.

              C         D

Answer: C (are) It must be “is”

7.             Krakatoa is remembered as the volcano tha put so much ash into the

                            A                                             B

air that sunsets around the world was affected for two years

                                                          C

afterward.

        D

Answer: B (Put) It must be Puts

8.             The term “Yankee” was originally a nickname for people from New

                                      A

England, but now anyone from United States are referred to as a 

                                                                  B         C          D

Yankee.

Answer: B (are) It must be “is”

9.             A network of small arteries, mostly sandwiched between the skin and

                                                                           A         

the underlying muscles, supply blood to the face and scalp.

            B                            C         D

Answer: C (supply) It must be Supplies

10.          Mesquite is a small tree in the southwest who can withstand the 

                       A       B                                         C                D

severest drought.

Answer: A (is) It must be “Are”