Simple Ways to Manage Financial Family

Financial problems are a common thing experienced by young families, especially in the first years of life underwent housekeeping. Not to mention the child shortly afterwards present among you and your partner. Is it true that the problem lies on a large or small family income?

"Often the problem is not with less income, but wrong habits in managing money," said Ligwina Hananto, financial planning experts in an event Ayahbunda some time ago. It turns out, in fact, a father who earn hundreds of millions of dollars could be in shock when they found the money to stay Rp. 500,000.00 before the end of the month.
Ligwina provide some keys to manage finances is simple:

1. Understand your family's financial portfolio. Do not until you do not know the contents of the savings, the amount of electricity bills, telephone, car services, shopping, doctor's fees and others. You should know how much credit card debt, bank loan or mortgage and car.

2. Develop a financial plan or budget. Realistic financial plan to help you be objective about the excessive spending. No need is too ideal, so forget the needs of yourself. Nothing wrong with inserting the need to go to a salon, spa or clubbing. Importantly, the budget a realistic amount and you must comply with the budget.

3. Think about closer understanding between "need" and "want". Quite often we spend money on things that do not really matter or simply driven desire, not necessity. Make a list in the form of a table consisting of columns for the items, needs and desires. After filling the column items, and fill the "needs" and "wants" with a check mark (V). From here consider more mature, objects or things you need to buy / fulfilled or not.

4. Avoid debt. The temptation to live the greater consumption. But that does not mean you easily purchase various items on credit. Grow a healthy financial habits starts from the simple, such as not having consumer debt.

5. Minimizing consumptive expenditure. Meet old friends to exchange ideas on the cafe is sometimes necessary, but it does not mean you should do it in every Friday afternoon. You can use these expenses to save or meet other needs.

6. Set goals or ideals financially. Arrange the financial targets you want to achieve regularly, as a couple. Set specific goals, realistic, measurable and within a certain time. This goal helps you focus more financial designing. For example, aspires to have an international standard of preschool education funding and so on.

7. Saving, saving, saving. Change habits and mindset. Immediately after receiving the salary, set aside for savings in the amount you had planned on purpose or ideals of your family financially. Instead, you have a separate account for savings and daily necessities.

8. Invest! You certainly will not be satisfied with just wait savings soar. In fact, your ideals for the family "exorbitant". This is the time to also think about investing. Now various forms. Fear of investment risk ?! No need to worry, you just need to learn the experts. Consult your finances with a reliable financial experts!

Santai Broooo....

Walaupun disuruh mengaji, namun tetap main GAME disela - sela kesibukan

Although asked to recite, but still play the GAME interrupted - between busy

How to Educate Children Good, Smart, Religious, and Obey

Having a good boy attitude, intelligent, and obedient is the dream of anyone. Therefore to have the child with the above criteria is entirely the responsibility of parents in educating children as early as possible. So how to educate children is good and right ?. In theory it seems easy but the applicability is not all parents managed to do it.

How to educate children must be understood as a whole instead of only one part of it. So that children grow up with intact intellectually, spiritually, and emotionally. Then it should be an effort to educate children to invite and motivate children towards positive for daring discover new things intellectually, spiritually, and emotionally. All three are not separated much less eliminated.

Common mistakes parents make is that they feel has been quite simply by entering a child to school. After all, they were also taught in schools of various things. In this position, the possibility of failure in educating children is in sight. Supposedly responsibilities as parents in print quality child can not get there alone. What should be done ?.

Quick and Easy Ways to Get Your Ideal Cars

Looking for a girlfriend and find a mate dream for some people not be an easy thing. Even many of those who get stressed because it never had a partner. They've changed girlfriend every time, but still have not found their ideal mate. Getting a mate is not an easy thing. And certainly not easy back your hand. You also have to keep looking, trying, and struggling. For those of you who are still searching for your soul mate, I gave some easy ways to get a mate following.
                                              
                          Got Easy Ways dating Craving

Mirror. If until now you have not gotten a mate, try to reflect. Not only reflect in the mirror, but also introspection you. Pack yourself as possible.


Self-Confident. Looking for a mate means trying to convince him that you are the right partner for him. To be able to make others believe in yourself, of course you must first believe in yourself. 
 Expand Relationships. Extend association. This is very effective way to get a girlfriend. And hopefully that's true girlfriend your mate. By expanding relationships certainly more you can see people with different personalities. Chance of getting a partner according to criteria of course wide open. 
Matured. Have an open mind. Perhaps you already have a list of criteria for your potential partner. But do not make it limit your association. Familiar to more people. Maybe your partner is the person who has a lot in common with you. 

Forget The Past. Looking for a mate means also to think about the future. Yes! Future. You are preparing for family life. So for what you are still thinking about your ex?You receive. Having a good list of criteria. Because then, you mean really selective and not arbitrary in choosing a candidate companion of your life. But do not be too excessive, too. 

Using Matchmaker Service. If you've done all the above steps and still not get a mate, perhaps you can try to use the services of dating. Matchmaking dating agency here is not always official.Such an easy way to find a mate. By performing each of the above points I hope you may soon be reunited with your true soul mate. Do not forget also that you must diligently pray. Persevere and always surrender to His will.

Managing Revenue and Expenditure

Points 1 to 7 explain the habits managing the family finances that can be done immediately. Things need to be done is the intention and communication with all family members. Many people have difficulties in managing family finances, not because they can not manage money, but most people can not control the "desire" or "lust".• Want to buy this and that when not needed• Want to buy BRANDS though not able to buy the brand.• Want to WOW and perform EXPENSIVE.• and others.
 Managing spending does not mean life is difficult, it does not mean to live within the limitations. Manage spending means regulate and balance spending to meet several objectives, including future goals. In managing finances, there are at least five types of expenditure, namely:1. Needs / Needs2. Debt / Debts3. Desire / Wants4. Savings / Savings5. Investments / InvestmentPeople who have difficulty managing the family finances often wrong to prioritize spending.

Did you know, How to Manage a Good Family Finance?

Here are 14 examples of how to manage the family finances good1. Start saving money or increasing the money saved.2. Create a budget and expenditure discipline.3. Reduce unproductive debts.4. Pay credit card debt in full each month.5. Control or reduce monthly expenses consumptive.6. Shop with SMART, do not easily fooled.7. Consult with a financial planner or an expert if your credit card becomes unmanageable.8. Have adequate insurance, no more and no less.9. Have emergency funds for urgent needs.10. Consult with a financial planner to deal with complicated financial issues.11. Create a financial plan to meet the financial goals of the future.12. Do the calculation of retirement needs early and start preparing retirement period.13. Invest in accordance with the financial goals and 3M (mindset, methods, money management).14. Do not forget to take care of the problem of inheritance.

10 How to Set Financial Once Married

Married has become the desire of many people in the world. But what about afterwards?If you are newly married, we congratulate. But do not stare into the king and queen overnight, because the homework difficult stretches in front of your marriage. One step could be worse.

"Managing finances during the bachelors and married very different," said Devino Rizki Arfan (www.devinorizki.com), an independent financial planner. "Because, after marrying many changes in the financial mindset to be done."

To build a good start, Devino split 10 steps:

Start Saving. You may have spent the entire savings for a wedding. Well now is the time to rebuild. For starters, collect at least as much as 6 months of monthly expenses as an emergency fund.

Say goodbye to the separate accounts. Once married, the money is not yours or mine, but belongs to both. Make a checking account or savings for the financial goals together.



Update beneficiaries. Change all beneficiaries on insurance policies, pension plans, mutual funds, and other securities with the name of your spouse. It is actually not absolutely necessary, especially if you and your partner have a child yet.
 
Debt. If your partner is not yet know anything about your debt, it is better to talk about. Thus you can decide how you both will pay off the loan
 
Find out where your money runs out. You and your partner need to cooperate to track down family expenses. It is easier to evaluate and achieve financial goals when you understand thoroughly wherever the money is spent and how spending patterns.
 
Create an agreement on family expenditure. Like single, you both would have earned and spent money for years without consulting anyone.Prioritize purchases. Part of the marriage means jointly decide how to spend your money. Make a list of purchases that will come - school fees, house, car, furniture or a pet room - and prioritize them than other expenditures.
 
Consolidation of your credit card. Avoid having more credit cards than you need. It also makes it easier to keep track of household expenses.
 
Buy life insurance. If your income is used to pay both your monthly expenses - and most couples do - make sure you both have enough life insurance to protect each other. This is absolutely necessary if you both already have dependents, such as children or the elderly.
 
Organize documents. Make sure you both know where important documents are stored. These include birth and marriage certificates, Social Security card, bank and investment account information and tax records.

BUILD PROSPEROUS FAMILY, THE URGENCY and effort

Entering the era of globalization which is full of competition and struggle for life, recognized or not, our attention to the importance of the population as a development resource increasingly prominent. The current population, not merely be seen as mere factors of production producing goods and services, but increasingly seen as a producer, consumer, source of ideas and a source of motivation of development.  

With this kind of thinking, we are increasingly convinced that for the success of development in any country, the population is not enough to just have the skill or mastery of technology alone. But it must also have an insight, a way of thinking, a particular value orientation which gives awards to advance in accordance with the national culture and characteristics of human being devoted to God Almighty. 
In line with our commitment to the importance of population in development as mentioned above, the role of the family as the smallest community institutions, also we feel is becoming increasingly important. Because as the smallest community institutions first and foremost where human civilization began to know the world, the family has a very large role in determining the values ​​that exist in society. 

 The family is also a vehicle for social control and adjustment for members. In addition, the family is also a sanctuary for members of the various threats that are both physical and non-physical. Thus considering the number and role of such a strategic, if the family can be well prepared, will be able to be a vital development institution. Especially in helping to prepare the human resources development support with a quality as mentioned above.

SOCIAL CHANGE AND PATTERN OF MODERN SOCIETY LIFESTYLE

SOCIAL CHANGE AND PATTERN OF MODERN SOCIETY LIFESTYLE
Every community in life certainly experienced changes. By its nature, the changes that occur not only towards progress, but can also toward deterioration. Social change has indeed been around since time immemorial. Social change is a phenomenon that is inherent in every society. The changes that occur in the community will lead to a mismatch between social elements that exist in the community, resulting in a pattern of life that does not comply with the function for the communities concerned.

Modernization is a process of becoming modern. The modern term is derived from the word meaning modo now. Thus, modernization can be interpreted as a way of life in accordance with the situation that exists, or the context of the present. If the way of life of a society as it is inherited by ancestor or predecessor generation, the society called traditional societies. The term comes from the word traditum tradition which means inheritance. Pressure understanding of modernization is on technology and social organization.

According to Samuel Huntington of the modernization process contains several basic characteristics as follows:

    Is a gradual process, from order-simple primitive life leads to order more advanced and complex
    A homogenization process. Modernization form a structure and a similar tendency in many societies. The main cause of this homogenization process is the development of information technology, communication and transportation.
    Is a process that does not move backwards, is inevitable and can not be stopped
    Is a progressive process (in the direction of progress), although unavoidable impacts
    Is an evolutionary process, not revolutionary; only time and history that can record the entire process, the results and consequences and impact.

Positive And Negative Impact of Modern Lifestyle

Positive And Negative Impact of Modern Lifestyle - In this era of increasingly advanced course, many experiencing rapid developments, be it lifestyle to the development of increasingly sophisticated technology. Sometimes a person's lifestyle reflects his behavior, all of it is due to lack of supervision and introspective to the modern era and increasingly sophisticated
One thing of course, we as His creatures, we must be aware of an attitude / actions, in addition to harming themselves, it all also have an impact on others, therefore, let us together build a mindset and a good lifestyle, The following article about the Positive And Negative Impact of Modern Lifestyle below
Lifestyle
The positive impact of the modernization:

    Human lightened the burden of his work with the tools of information technology and communications and transportation facilities sophisticated and modern.
    Lifestyle delivery order to help humans if it is busy but it requires the goods or food store away condition he stay order what he needed.
    Enriching elements of culture because the culture that comes will conduct a cultural melting the old culture and produce a new culture.
Besides the positive impacts there are also negative impacts of modernization. That Is:

    Modernization of man spoiled by a wide range of sophistication and something he needs will be met quickly. It will cause dependency properties, and properties that do not want to strive (Lazy).
    Sometimes if we often play gadgets that we have we are busy with him so that we forget our time. Time to eat and fulfillment of physical life, socializing with the environment, even our relationship with God is often forgotten because we rarely worship Him.
      Prior to the influence of modernization, people really appreciate and apply the values ​​and norms that apply as with indigenous communities and oriental culture. Such as courtesy, manners, harmony and so on. Now, the values ​​and norms are beginning to shift. Due to the influence of technology and foreign culture, values ​​in social life such as the value of harmony, mutual aid now beginning to fade. Especially in big cities such values ​​have been rare.
    Humans will tend to have an arrogant nature on the lifestyle they live today. With luxurious lifestyle men will try to show off what he had just had with others around him. As well as others will be moved to buy something without examining the economic conditions are important, he can have the same thing with social friends who paced life-style luxury.
    New facts surprising that with the current modernization, That the Lord almost retired from life. In the sense of the word, humans no longer need God's hand in overcoming life. They have thought of themselves as being adult and free to choose according to his own whim. 

My Lovely Wife....My lovely Mom for my Kids

Step by step instructions to Have a Good Family Life

Happy Family

Notwithstanding the ideal picture families that dependably appear to linger over us on TV, blurbs and bulletins, there are numerous a larger number of complexities and flow to families than all grins and giggling. All families are diverse, and all families have their own particular issues, however with the appropriate measure of work and determination, you can make your family life the absolute best it can be, by adding to your connections and adapting all the more about yourself and your relatives. Nobody's family life is flawless; however you can make yours great, so why not?

Comprehend your family well. On the off chance that you don't then there can be numerous false impressions and battles. Be with them at whatever point you can and become acquainted with them better. A great deal of families now don't become more acquainted with one another too well on the grounds that they're excessively occupied. Plan some family time, similar to, a film, or a family diversion, or even as meager as having supper together.

Regard your gang. Your kids, your wife/spouse are currently yours yet recollect toward the day's end they are additionally people. They additionally have an assessment or recommendation. Some of the time it can be terrible or great. Never be irate with somebody's conclusion, they have their suppositions, and nobody's ideal.

Give time. Nobody needs to be disregarded only for some meeting or work. Offer time to every single one of them so you can see each individual appropriately and this can keep any mistaken assumptions later on.

Regard everybody as equivalent. Whether its your cleaning specialist or stepchild, they likewise merit adoration and fondness from you as you merit from your wife/spouse or from your own tyke. Treat everybody like you would need to be dealt with, and coexisting with your family ought to be simple

Never shout or yell at anybody. This can make disdain for you in their souls. By just making them comprehend can do a considerable measure. Why waste vitality when you can do it serenely?

• Try not to battle with your kin. Battling can shred your relationship and you'll think twice about it when you get more established. Treasure the time you have with your kin, you can't get it back.

Never separate.

Figure out how to trade off. When you or another person in your family needs the aggregate inverse of one another, figure out how to work it out to give all of you what you need.

Help one another. When you see your kin or parent needs help, help them. Doing seemingly insignificant details, for example, holding the entryway for them, or helping somebody with homework.

Sorting out astonishment birthday gatherings and commending any singular's accomplishments can truly offer assistance.

Abstain from utilizing hostile and harsh words against one another Sometimes adolescents can feel dismal or forlorn. To start with get some information about it and on the off chance that they would prefer not to share then its OK. It's equitable hormones. On the off chance that you imagine that something is truly terrible, ask their nearby companions and help him/her.

Never at any point break any guarantee. This can hurt them or make them feel that you are a liar and each time will break guarantees.

Figure out how to overlook.

Try not to reprove excessively. Reprimanding can be beneficial for them however never try too hard.

Make them understand in a simple way. On the off chance that somebody in your family has done something incorrectly or have deceived your trust, commit them understand their error in a simple wa

Building great family connections

Great family connections help your tyke feel secure and adored. This is the thing that youngsters need to learn and develop.

Being a guardian can be a standout amongst the most troublesome (and remunerating!) occupations around. It's not something that you can be impeccable at. Most folks are doing as well as can be expected for their children while juggling work, companions, dealing with a house, and parcels more.

However, it merits attempting to enhance the connections you impart to your youngster and other relatives. Great family connections are more than only agreeable for their own particular purpose. They:

* make kids feel secure and adored, which helps their brains create

* can help to overcome challenges with kids' eating, resting, learning and conduct.

Notwithstanding for the busiest of folks, there are a lot of simple things you can do to grow great family connections.

Fraternize

* Use time together, for example, mealtimes, to talk and offer a snicker.

* Have one-on-one talks with every relative to construct and reinforce singular connections.

* Do fun things together as a family all the time.

* Make choices together about what to accomplish for extraordinary occasions, for example, birthdays.

Impart in positive ways

* Talk about everything (even troublesome things).

* Listen with full consideration regarding one another.

* Make it OK to discuss emotions (even the terrible ones).

* Encourage one another with recognition as opposed to being discriminating.

* Work together to take care of issues.

* Discipline with adoration, persistence and comprehension.

* Show gratefulness, love and support through words and fondness.

In case you're a fledgling vegetable planter, here are essentials on vegetable greenhouse arranging:

Keep in mind this current: It's ideal to be glad for a little garden than to be disappointed by a major one!

One of the basic lapses for apprentices is planting an excessive amount of too early and path more than anyone could eat or need.

The Very Basics

To start with, here are some exceptionally fundamental ideas on subjects you'll need to investigate further as you turn into a vegetable plant specialist expert:

Do you have enough sun presentation?

Know your dirt. Most soil can be enhanced with fertilizer and be fine for planting, however some dirt needs more offer assistance. Vegetables must have great, loamy, all around depleted soil. Check with your neighborhood nursery or nearby helpful expansion office about free soil test packs so you can survey your dirt sort. See our article on get ready soil for planting.

Arrangement is everything. Furthermore, a patio nursery excessively near to the house will help to dishearten wild creatures from snacking without end your potential harvest.

Choose working and a raised bed. In the event that you have poor soil or an awful back, a raised bed constructed with nonpressure-treated wood offers numerous advantages. See all the more about raised patio nursery quaint little inns to manufacture them.

Vegetables need loads of water, no less than 1 inch of water a week. See all the more about when to water vegetables.

You'll require some essential planting apparatuses. These are the essentials: spade, greenery enclosure fork, dousing hose, cultivator, hand weeder, and wheelbarrow (or can) for moving around mulch or soil. It merits paying somewhat additional for quality instruments.

Study those seed inventories and request early.

Check your ice dates. Discover first and last ice dates in your general vicinity and be aware of your neighborhood conditions.

Cutting edge or Contemporary: What's the Difference?

What is the contrast in the middle of cutting edge and contemporary structural planning? Why the qualification? At their most strict, "contemporary" is the construction modeling being created now, the building design existing apart from everything else. "Cutting edge" building design breaks with the past — particularly the customary styles of before the Industrial Revolution.

So in this sense "contemporary" is not restricted to a solitary elaborate string. Furthermore, "advanced" reviews the early-and mid-twentieth century construction modeling typifying the goals of the machine age: a nonappearance of adornment, structures of steel or solid, huge scopes of glass, a whitewash (generally stucco over block) or another negligible outside expression, and open floor arranges.

While this begins to characterize the distinction, there is a clear utilization of the expression "contemporary" that alludes to a specific strain of outline today, such that new postmodern, neo-Classical or other neo-conventional structures are excluded. The term's utilization is obviously smaller than the strict definition, yet it is still established in the now; contemporary construction modeling is of now is the right time, in this way inventive and forward-looking. In this sense it is established in the advanced, regardless of the fact that it doesn't take after it elaborately.

The photographs that take after react to the inquiry, "current or contemporary?" I trust the answers will illustrate the similitudes and contrasts between the styles, further supporting the valuation for both styles of construction modelin