Indahfashion Shop's Fan Box


Tuesday, 30 June 2009

Arnold Schwarzenegger - History of One Bodybuilder's American Dream

By the way, as I write this in June of 2007, the Governor of California, erstwhile "Conan the Barbarian", is turning 60 next month! I've never really looked into Arnold's history before, but it fascinates me. It's not so much WHAT has happened to Arnold Schwarzenegger over the last 60 years, as HOW it happened. You see, to me, Arnold Schwarzenegger, the kid from Austria (I'm two years older than him, so he's a kid), typifies the term "American Dream". He also demonstrates all those things that motivational specialists talk about. He's almost a living textbook for goal setting, motivation, and achievement.

Despite the title of this article, I don't really expect to go into the history of Arnold Schwarzenegger as much as the dream. However, the way things turned out, the history of Arnold Schwarzenegger and the history of America are now tied together. It all started with a dream...and part of it was an American dream.

Arnold Schwarzenegger was born on July 30, 1947, in the small Austrian town of Thal to parents named Gustav and Aurelia. Had he not had a dream, he might have followed in Gustav's footsteps and eventually become the chief of police in Graz, Austria. Fortunately, he was encouraged by his father, Gustav, to participate in sports. His older brother, Meinhard, provided a built in playmate and role model. Actually, things could have turned out differently, as Meinhard was more naturally athletic than Arnold. However, it was Arnold who had the dream, and that's what made everything else happen.

At one point in his teen years, you probably would not have been able to picture the future Commando, John Matrix, in the six foot tall, 150 pound Austrian kid. On the other hand, his commando raid on the gym at Graz's soccer stadium, where he and his friends broke windows so that they could get in and work out, might have been a clue. In movies like Predator and Commando, he endured suffering and hardship, but he started getting his taste of that when he had to exercise in a gym sometimes so cold that he still recalls his hands sticking to the chinning bar.

It takes a lot of dedication to a dream for a kid from the sticks of Austria to stay with a dream of becoming the world's best bodybuilder...and an actor...and the Governor of California...but he did.

As with many successful lives, a lot of luck figured into Arnold's success, but through it all runs a common thread. He knew what he wanted, and he was willing to do what was necessary to get it. In another commando-like move, the 20 year-old tank driver even deserted from the Austrian army for a few days and slipped into Germany so that he could compete in, and win, the Junior Mr. Europe event in Stuttgart. Oh, by the way; upon his return to Austria, he was caught and spent 7 days in jail, but when the word of his win got around, he became a hero to the Austrian army and was held up as a model of courage and tenacity.

In an interview in 2006, Tom Venuto, natural bodybuilder, fitness coach, author of "Burn the Fat. Feed the Muscle", and co-author of "Fit Over 40", was asked what he thought was "the one thing most needed to change a person's lifestyle and improve their health."

His response?

"A committed decision to reach a predetermined specific goal, combined with burning desire, followed by immediate, massive action repeated consistently for as long as it takes until your goal is reached."


Looks like the mantra that Arnold Schwarzenegger might have chanted on his way to becoming Mr. Olympia (7 times), a Hollywood actor (43 movies), the husband of Maria Shriver (Kennedys - lots of 'em), and current occupant of the California Governor's mansion, doesn't it?

Well, if you could look at the Arnold Schwarzenegger history story with glasses that allowed you to see behind the scenes, you would regularly see one "predetermined specific goal, combined with a burning desire" after another. You would see a man who realized that to reach each goal, he would have to take "immediate, massive action repeated consistently for as long as it takes" to reach each goal.

Sounds like perseverance is a major issue of success once you have set your goal!

Even good ol' P. T. Barnum, another, slightly different proponent of the American Dream, and perhaps best known for the Ringling Brothers, Barnum and Bailey Circus, had this to say in his classic essay, "The Art of Money Getting or Golden Rules for Making Money":

"How many have almost reached the goal of their ambition, but, losing faith in themselves, have relaxed their energies, and the golden prize has been lost forever."

Time and again, people like Napoleon Hill, author of "Think and Grow Rich", have extolled the virtue of being willing to stick to the path through thick and thin, once you know what the goal is.

It's not dates and events that make up the Arnold Schwarzenegger history, or his version of the American dream. It has been his willingness to pursue his dreams and goals through all sorts of obstacles, and in spite of a multitude of naysayers, that has taken him to where he sits today. It is this willingness to pursue the American dream wholeheartedly that in earlier eras was the subject of so many fictional and non-fictional books alike.

Today, there is a vast market in self-help and self-improvement products. All sorts of programs and processes are offered for consideration of those wanting a piece of the American Dream. However, again and again, once the overlay of words and technique is stripped away, the setting of goals, and the constant, unrelenting striving to achieve those goals is at the heart of almost all true success stories.

Maybe it takes a one-time hick from a small town in Austria to remind us of what we keep saying we have, or want, or wish was still available to an ordinary person in America. Maybe, as at least one article has stated, "Arnold Schwarzenegger is the definition of the American Dream."

Donovan Baldwin is a freelance writer living in Copperas Cove, Texas. He is a member of Mensa and is a University of West Florida alumnus. He is retired from the U. S. Army after 21 years of service and writes frequently on health, fitness, nutrition, and weight loss. You can find more of his articles at web :// .

Article Source: UnArchived Articles,web :

Belajar Dari Arnold Schwarzenegger

Belajar Dari Arnold Schwarzenegger

Siapa yang tak kenal Arnold Schwarzenegger? , bintang film terkenal, salah satu bintang film dengan honor terbesar.
Siapa yang tak tahu Film ¡°Comando¡±, ¡°Terminator¡±?, dan banyak lagi film Box Office lainnya.

dia?, Ia lahir dan di besarkan di Austria dan sudah mulai berlatih
sebagi atlet angkat berat sejak kanak-kanak, di usai 18 tahun, ia
memenangkan kontes binaraga untuk pertama kalinya dan menjadi ¡°Mr.
Universe¡± pertama yang berhasil mempertahankan gelarnya lima kali
berturut-turut. Ia pindah ke Amerika Serikat dan memenangkan berbagi
kontes serupa.

Setelah melampaui capaian prestasi atlet lain di
cabang binaraga, ¡±ia kehilangan tantangan¡±, Ia pun mencari bidang lain
dimana ia masih dapat mengunakan bakatnya. Latihan-latihan binaraga
yang pernah ia jalani mengajarinya betapa perlunya ilmu tentang
kebugaran fisik dan ia menguasai ilmu tersebut serta ingin membaginya.

pun menulis autobiografinya, Arnold : The Education of Builder, yang
laris dipasaran, kemudian ia menulis buku tentang binaraga untuk kaum
perempuan, petunjuk para perempuan tentang menggunakan latihan beban
dan untuk memperoleh tubuh yang sehat.

Cita-sita berikutnya
adalah menjadi bintang film, Bahkan sebelum mendapatkan peran
pertamanya dalam film, ia telah bercita-cita menjadi tikoh besar di
perfilman, sebesar ketokohan di binaraga, setelah beberapa kali menolak
peran kecil, keuletannya terbayar ketika ia diberi peran utama dalam
film ¡±Conan the Barbarian¡±, Kesuksesan ini ¡±membuka jalan¡± bagi
serangkaian film aksi lain yang menjadikannya salah satu akor dengan
bayaran terbesar di Hollywood.

Keberhasilannya di Film pun tak
membuat Arnold berpuas diri, ia menetapkan cita cita baru bagi dirinya
sendiri, kali ini di dunia usaha, Ia berinvestasi di real estat,
membangun jaringan restoran dan terlibat aktif dalam usah-usaha lain
serta menjadi multijutawan.

Akan tetapi, Dengan semakin
meningkatnya kesuksesan yang diraih, ia menambahkan apa yang menjadi
cita-cita impiannya, melayani masyarakat . ia berkeliling negeri untuk
mempromosikan kesehatan dan kebugaran dikalangan muda-mudi. Ia
mendatangi kota-kota kecil dan menginspirasi anak-anak untuk
meninggalkan kekerasan dan kriminalitas, dan menolak narkotika, senjata
api dan geng serta mengatakan ¡±ya¡± pada pendidikan.

Tahun 2003, Arnold Schwarzennegger naik ke panggung Politik dan menang telak sebagai Gubernur California yang baru.

banyak belajar dari Arnold, dia bukanlah ¡±manusia berotot¡± pada
umumnya, ia seseorang yang menggunakan impian-impian dan tujuannya dan

Dalam menetapkan tujuan, anda tidak boleh
terkungkung dalam pada satu bidang tertentu saja. Apakah anda sudah
puas dengan pencapaian anda saat ini?, sudah cukup dengan yang ada
sekarang?, membiasakan dalam kondisi yang ¡±sekedarnya¡±, ¡±alakadarnya¡±,
biasa-biasa saja, sederhana bahkan kadang ¡±merana¡±, ¡±zona nyaman¡± yang
kadang membiasakan menyamankan dalam kondisi yang sebetulnya kurang
Anda pasti punya ¡±impian lain¡± yang sebetulnya bisa anda dapatkan, jika saja membuka diri dan berusaha menggapainya.

bisa saja membatasi depannya pada satu bidang saja , bidang binaraga
dan sukses!, tetapi ia ¡±punya impian lebih banyak lagi¡±, menetapkan
tujuan-tujuannya lebih tinggi dan berusaha keras mengapainya.
pernah dikritik dan dicemooh karena kemampuan akting di film
pertamanya, tetapi ia tak bergeming, ia ¡±tidak takut terhadap kritik¡±
dan ¡±mengejar impiannya¡± sebagai salah satu aktor dengan bayaran
termahal di Hollywood.

Adakah pelajaran yang didapat dari kisah Arnold ini..?

Tulisan ini saya ceritakan dari buku ¡°Think and Grow Rich¡± karya Napoleon Hill dan direvisi Dr Arthur R Pell,
Best Regards,





Also visit,

Friday, 26 June 2009

Free Blackberry Bold &Javelin From Red Mango

you never hear about Red Mango, don't be sad still get Blackberry Bold and Javelin, free!

just follow this survey ;)

The winner will be announced on September 28, 2009, so hurry this, this survey ,just little question :D

For further information about Red Mango? read this
get this opportunity, with click this link

*Winner free of charge

Survey Berhadiah Blackberry Bold dan Javelin

Hi Friend,
Meskipun baru denger sekali ini yang namanya Red Mango, ndak usah sedih.Anda tetep punya peluang untuk mendapatkan Blackberry Bold dan Jevelin, gratis!

Asaaaaall… ikutan survey ini dulu ;)

Pemenangnya akan diumumkan tanggal 28 September 2009, jadi buruan ikutan yaaa… pertanyaan surveynya cuman dikit kok :D

Atau sekedar pengen tau lebih banyak tentang Red Mango? Baca saja di sini
Ada kesempatan menarik nih, untuk dapetin Blackberry Bold dan Javelin gratis,
Klik link di bawah ini untuk mengikuti survey RedMango Indonesia:

* Pemenang tidak dipungut biaya.





Also visit,

Sunday, 21 June 2009

“It Ain’t How Hard You Hit…It’s How Hard You Can Get Hit and Keep Moving Forward”

It was about 22 years ago when I watched my first ROCKY movie (Rocky III) and it really inspired me to get up from defeat (after failing my exams) and to train hard to become a winner in life.

Today, 22 years later, I find myself being inspired once again by Sylvestor Stallone’s latest Rocky Movie (Rocky Balboa- part 6). In this latest movie, Rocky is aged 60+ and retired from boxing. One day, Rocky decides to come out of retirement and to get back into the ring. He feels the need to fight because of emotional issues that he needs to resolve within himself. Naturally, he is criticized and made fun of because he is fighting opponents half his age.

His son (a corporate executive in his 30s) is totally against the idea. His career is going nowhere and he blames his father for casting a big shadow over him. His friends make fun of him because of who his father is.

This is where the 60-year old Rocky gives his son a heart-to-heart reprimand about how he needs to stop blaming and take charge of his life. A saddened Rocky says he remembers when his son could fit in the palm of his hand.

He says that he saw great potential in him and when he first started off in life, he did great. However,at some point, he changed. He lost his way and started blaming other things and people for his own misfortune. Telling him:

“Let me tell you something you already know. The world ain’t all sunshine and rainbows. It is a very mean and nasty place and I don’t care how tough you are, it will beat you to your knees and keep you there permanently if you let it. You, me, or nobody is gonna hit as hard as life.

But it ain’t about how hard you hit; it’s about how hard you can get hit, and keep moving forward. . It’s How much you can take, and keep moving forward. That’s how winning is done.

Now, if you know what you’re worth, then go out and get what you’re worth. But you gotta be willing to take the hits, and not point fingers and blame other people. Cowards do that and that ain’t you. You’re better than that!”

This movie had a huge impact on me just like the first few Rocky movies did because what was said was so true in my own life. ” Its not how hard you hit, but how hard you can get hit and keep moving forward.”

I have found that in my life, I have met so many people who were much smarter, talented and luckier than me. What made me more successful at the end of the day was my ability to get hit again and again and to keep moving forward. I never gave up. However, I know of many friends who got hit hard by life and could never find the courage to get up again. Instead, they quit dreaming and accepted a mediocre life.

There were many times in my life when I did get hit hard and felt that I had problems I could never solve. There were times when I felt that life was unfair and too painful to live. What kept me going forward was that I knew that no matter how bad, every problem will not last forever. Every recession will end. Dawn always breaks after the darkest hour. It was this belief that allowed me to keep getting up.

• When I got expelled from school at age 9, I kept moving forward
• When my parents split up when I was aged 13, I kept moving forward
• When my first girlfriend dumped me just before my major exams (and I was subsequently dumped by 2 other girls), I kept moving forward
• When everyone looked down on me because I got poor grades in school, I kept moving forward
• When my interior design business went bankrupt (Losing me $250,000), I kept moving forward
• When I lost over $300,000 in the stock market as an early amateur investor, I kept moving forward
• When my first book, ‘I Am Gifted, So Are You!’ was rejected by over 9 publishers, I kept moving forward
• When only 1 person signed up for my first Patterns of Excellence program 7.5 years ago, and everyone thought that my company would never make it, I kept moving forward
• When I lost all the money I made from my event management business because I was cheated by someone I trusted, I kept moving forward

Whenever we see people achieve great things, it is easy to think that they had less problems and less obstacles than we have. That their brilliance, luck or talent gave them super human abilities to sail through life easily. That everything always goes according to plan.

I can tell you from experience that things NEVER EVER always go according to plan. 80% of the goals you set and plans you make will never go the way you want. Things will screw up and obstacles will appear that will knock you down. Its all part of the game of life.

So, the greater the success you want in life, the bigger the hits you got to be willing to take. There is a price for everything. A Suzuki costs $30,000 and a ferrari costs $1m (at least in Singapore).

Success too has a price. The price is massive rejection, frustration, and hardwork, People never succeed either because they thought that success comes easy or because they are not willing to pay the price!


Earn - Save - Spend, Kebiasaan Orang Kaya

Posted by: "Badroni Yuzirman"

Sumber web roniyuzirman. com 12 Desember 2006

Semoga bermanfaat.

------------ --------- --------- -----

Kebiasaan akan membentuk karakter kita. Setuju? Harus setuju. Soalnya
kata-kata ini saya dapat dari Stephen Covey. Kalau nggak setuju, silakan
protes ke Covey.

Saya nggak mau ngomongin soal Stephen Covey. Justru saya mau sharing
mengenai kebiasaan orang kaya yang saya dapat dari buku yang lagi getol saya
baca saat ini; Secrets of Self-Made Millionaire dari Adam

Sebenarnya kebiasaan ini sudah sering diulas oleh Robert Kiyosaki. Tapi Adam
Khoo membahasnya lagi dengan lebih jelas dan enak dibaca. Straight to the
point, nggak berputar-putar dan membingungkan seperti Kiyosaki.

Jadi, orang kaya itu menghabiskan uangnya (spend) dari penghasilan yang
diperolehnya dari investasi atau savingnya, bukan dari penghasilan bulanan.
Ini jelas beda dengan kebanyakan orang kelas menengah atau golongan miskin.

Golongan miskin, jelas tidak punya pilihan. Setelah earn, langsung spend
untuk kebutuhan sehari-harinya. Tidak ada peluang baginya untuk investasi
atau pun saving. Mereka hidup untuk survival aja. Tidak punya pilihan.

Golongan menengah, seperti kebanyakan kita punya kebiasaan earn - spend -
save. Memang ada saving,tapi itu cuma sedikit, setelah dipotong habis oleh
spend-nya yang besar. Jadi, sama aja. Dia nggak ke mana-mana. Berputar-putar
di situ-situ aja, seperti rat-race yang diistilahkan Kiyosaki. Nah,
kebanyakan dari golongan ini berupaya keras untuk menambah penghasilannya.
Tebak, apa yang mereka lakukan? Ya, bekerja lebih keras, lembur, cari
sampingan. Tapi, tetap aja, kalau kebiasaannya masih seperti itu, ya tetap
ada nggak keluar dari rat race.

Orang kaya punya kebiasaan yang jauh berbeda dibandingkan dua gologan yang
saya sebutkan di atas. Orang kaya tidak menghabiskan uang yang baru
didapatnya. Mereka memilih untuk memutarkannya dulu sebagai investasi yang
menghasilkan aset yang memberikan passive income baginya. Kemudian hasil
passive income itulah yang di-spend. As simple as that. Makanya orang kaya
makin kaya karena ini.

Saya yakin pembaca sudah banyak yang mengetahui konsep ini dari Robert
Kiyosaki. Tapi, apakah hal ini sudah kita praktekkan? Itulah masalahnya.
Tulisan ini sekaligus self-critic buat saya pribadi. Saya pun belum disiplin
menerapkan hal ini. Maka dari itu, saya menuliskan ini sekaligus untuk diri
saya pribadi. Mumpung menjelang akhir tahun, sekalian bikin resolusi
keuangan pribadi. Caranya? Mulai dari diri sendiri, mulai dari hal yang
kecil, mulai sekarang juga, kata Aa Gym. Setuju?


Badroni Yuzirman





Also visit,

Dos and Don'ts For Using Credit Cards

By Jeslyn Jessy

Nowadays, credit cards have become part of our life. In the point of view of most people, these cards are symbols of wealth. However, many of them do not actually know how to use their cards wisely. It is indeed important to learn the rules of the credit card game before you get burnt.

Below are some key guidelines which promote good spending habits to the credit card users. Let's see what are the dos and don'ts the holders must take note in order to avoid themselves from being trapped by deep debts.

• Control yourself from using the card frequently. You should maintain a good credit score with the bank or credit card companies. This can be done by staying within 30% of your credit limit given. Set a fixed amount and make sure you do not charge your expenses exceeding the amount.

• Only swap your card when you purchase things or pay for services that you really in need. You can use the card when it is really urgent or you do not want to bring so much of cash in hand for security purpose.

• Always make your card payment promptly once you receive the bank statement. Put a reminder so that you always keep in mind the due date of making payment. This is important to avoid yourself from incurring high interest rate

• NEVER consider a credit card as cash in hand. In fact, it is not! Don't use it to purchase luxurious products which you can't afford to pay in cash. Bear in mind NO CASH ADVANCE TRANSACTION should be made.

• NEVER make minimum payment each month after getting the statement. It is really a big mistake if you do that. The lesser you pay for your card, the more debt you accumulate every month. It also increases the amount of interest and financial charge you need to bear. What you should do is to pay as much outstanding as you can to clear the debt faster in order to save cost.

Credit cards are ideal for people who have "good credit" and have ability to pay back promptly. These cards are meant to provide convenience to you but not to become your burden in life.

For more information about debt relief grant and debt relief methods visit

Article Source:web /

7 Kesalahan Terbesar Dalam Menggunakan Kartu Kredit

7 Kesalahan Terbesar Dalam Menggunakan Kartu Kredit
Posted by: "miftachul choiri"

Sumber: web janganseraka 03/31/7-kesalaha n-terbesar- dalam-menggunaka n-kartu-kredit/

============ ========= ========= =========

Baru-baru ini saya membaca berita di detik kalau NPL (non performing
loan) kartu kredit di Indonesia sudah lebih dari 10%. Saya pun jadi
teringat artikel yang ditulis Bung Edison Meneropong 2009: Ancaman
Kredit Konsumen. Wah, tampaknya sudah mulai terlihat ya hasil
prediksinya. .

Meskipun ancaman macetnya kartu kredit mempunyai dampak yang cukup
menakutkan terhadap perekonomian, artikel saya kali ini akan membahas
masalah ini dari sisi yang lain, yaitu dari sisi si pemegang kartu

Ketika kartu kredit macet, tentunya yang ‘pusing’ bukan cuma Bank
saja. Si pemegang kartu kartu (umumnya) juga mengalami tekanan batin
yang tidak kecil. Contohnya adalah seorang kenalan saya. Dia memiliki
masalah dengan kartu kreditnya hingga gelisah dan stres. Hampir tiap
hari ia ditelepon oleh debt collector. Bukan cuma sekedar teguran
yang diterimanya tetapi juga ancaman. Padahal, dari pengamatan saya,
dia termasuk orang yang cukup berada.

Jadi mengapa kenalan saya tersebut bisa sampai terjerat hutang kartu
kredit? Meskipun saya tidak tahu persis penyebabnya, tetapi
kemungkinan besar ia melakukan salah satu (atau bahkan beberapa) dari
7 kesalahan terbesar dalam menggunakan kartu kredit. Jadi apa saja 7
kesalahan terbesar itu?


KESALAHAN no 1 : Tidak melunasi seluruh tagihan kartu kredit

Ini boleh dikatakan merupakan penyebab utama mengapa banyak orang yang
terjerat dalam hutang kartu kredit. Tidak sedikit orang yang hanya
membayar sejumlah “pembayaran minimum”. Ketika anda melakukan ini,
maka saldo hutang yang tersisa akan terkena bunga yang sangat tinggi
(bisa mencapai2,9% -4% per BULAN!) . Ketika anda melakukan kesalahan
ini, maka ibaratnya anda sudah mengambil langkah pertama untuk masuk
ke dalam jeratan hutang kartu kredit.

Lunasi seluruh tagihan kartu kredit anda!!!

KESALAHAN no 2 : Menganggap kartu kredit sebagai kartu debit (ATM)

Ini merupakan salah satu kesalahan yang paling fatal dalam menggunakan
kartu kredit. Kartu Kredit bukanlah Kartu Debit (ATM). Hindari menarik
uang cash dengan menggunakan kartu kredit karena ini akan dikenakan
bunga dan biaya tarik tunai yang sangat tinggi (bahkan lebih tinggi
daripada angka yang saya tuliskan di kesalahan no 1).

KESALAHAN no 3 : Menggunakan kartu kredit untuk membayar hutang

Kartu kredit termasuk ke dalam jenis hutang “Unsecured Debt”, alias
hutang tanpa agunan. Hutang semacam ini dikenakan bunga yang tinggi.
Oleh karena itu hutang semacam ini tidak tepat dipakai untuk modal
usaha/bisnis karena akan sangat membebani kondisi keuangan
usaha/bisnis anda.

Kesalahan lainnya yang tergolong ’serupa’ adalah menggunakan kartu
kredit untuk menutup ataupun membayar cicilan hutang tipe “Secured
Debt”/hutang yang menggunakan jaminan. Hutang yang menggunakan jaminan
(spt KPR, KMK, dll), bunganya secara umum lebih ringan. Oleh sebab itu
jika anda menggunakan kartu kredit untuk membayar hutang tipe ini,
berarti anda malah ‘menukar’ hutang yang bunganya lebih ringan dengan
hutang yang bunganya lebih berat.

Salah satu ‘malapetaka’ terbesar dalam menggunakan kartu kredit
terjadi ketika kesalahan no.2 dan kesalahan no.3 ‘dikombinasikan’ .
Contoh paling umum ‘malapetaka’ seperti ini adalah ketika pemegang
kartu kredit mengambil uang tunai dengan kartu kredit yang satu untuk
membayar tagihan kartu kredit yang lain.

KESALAHAN no 4 : Tidak disiplin mengontrol penggunaan Kartu Kredit dan

Kesalahan ini biasanya berawal dari kalimat ‘Gesek aja dulu..’ dan
lalu diikuti di akhir bulan dengan kalimat ‘Astaga!?! Kok gede amat

Tentukan batas maksimum yang boleh anda ‘gesek’ setiap bulannya. Lalu
kontrol dan catat setiap pemakaian kartu kredit anda setiap hari.
Ketika jumlah pemakaian tersebut sudah mendekati batas maksimum yang
anda tentukan, ’segel’ kartu kredit anda, atau jika perlu (bagi yang
lemah terhadap godaan belanja), tinggalkan kartu kredit di rumah.

Masih terkait dengan kesalahan no 4 ini, adalah tidak disiplin dalam
pembayaran kartu kreditnya. Jangan menunggu hingga hari batas terakhir
untuk melunasi kartu kredit anda, karena jika di hari tersebut anda
sibuk/lupa/ada urusan mendadak, maka bisa-bisa tagihan tersebut jadi
tidak terbayar.

KESALAHAN no 5 : Terlalu banyak memiliki Kartu Kredit

Semakin banyak Kartu Kredit yang anda miliki, semakin sulit bagi anda
untuk mengontrol pengeluaran masing-masing kartu kredit. Dalam
pelunasan kartu kredit pun anda akan lebih direpotkan karena perlu
mengingat tanggal pelunasan masing-masing kartu agar tidak terlambat

Beberapa financial planner menyarankan untuk memiliki Kartu Kredit
maksimal 3 saja. Kalau lebih dari itu, mungkin mulai bisa
mempertimbangkan untuk menggunting sisanya.

KESALAHAN no 6 : Menganggap Kartu Kredit sebagai ‘Uang Tambahan’

Meskipun kedengarannya sulit dipercaya, tetapi tidak sedikit orang
yang menganggap Kartu Kredit sebagai Uang Tambahan. Ketika permohonan
kartu kreditnya disetujui, mereka pun kegirangan seperti mendapatkan
‘durian runtuh’. Seringkali ini lalu berujung dengan ‘pesta belanja’
menggunakan kartu kredit baru tersebut.

Memiliki kartu kredit bukanlah berarti bahwa anda mempunyai lebih
banyak uang untuk dibelanjakan.

Kartu kredit bukanlah ‘berkah’, ‘rezeki’ ataupun ‘durian runtuh’.
Jika anda tidak bijak dalam menggunakannya, yang ada justru hanyalah
‘malapetaka’. Ingatlah bahwa Kartu kredit hanyalah merupakan alat
bantu pembayaran dan bukan pendapatan tambahan. Anda bisa berhutang
kepada bank dengan menggunakan kartu kredit, tetapi cepat atau lambat
hutang kartu kredit tersebut tentu harus anda bayar.

KESALAHAN no 7 : Menggunakan kartu kredit untuk SEMUA belanja dan pembayaran

Tidak sedikit orang menggunakan kartu kredit untuk semua jenis
pembelanjaan. Padahal, untuk beberapa jenis produk, akan lebih baik
jika dibeli dengan menggunakan uang Cash.

Ketika anda berbelanja dengan kartu kredit, pihak penjual barang akan
dikenakan biaya sebesar 2,5-3% dari harga transaksi itu oleh pihak
bank. Untuk beberapa jenis produk (terutama yang margin labanya
kecil), penjual barang tidak bersedia menanggung biaya tersebut,
sehingga mengoper biaya tersebut kepada pembeli (alias anda).

Biasanya dalam kasus seperti ini, penjual akan mengatakan bahwa ‘Kalau
memakai kartu kredit, kita kenakan charge X %’. Pada saat ini,
biasanya charge ini sebesar 3,5%. Jika anda tetap membelinya dengan
cara seperti ini, anda telah membayar bunga 3,5% hanya untuk ‘menunda’
sebentar membayar belanjaan itu. Padahal uang anda yang anda taruh di
tabungan mendapatkan bunga yang jauh di bawah itu.

Bahkan jika penjual barang tersebut tidak mengenakan charge, cobalah
untuk bertanya apakah ada diskon untuk pembelian cash. Seringkali anda
akan mendapatkan potongan harga yang lumayan untuk pembelian dengan
menggunakan uang Cash.





Also visit,

Wednesday, 17 June 2009

9 Attitudes of Highly Creative People


Yesterday I looked at 5 methods for being creative. Today I’d like to look at some attitudes to build into your approach if you want to be a more creative person:

1. Curiosity

I’ve written previously on the topic of curiosity because I’m convinced that it is an essential skill to build as a blogger. Learning to ask ‘why’, ‘what if’ and ‘I wonder…’ are great questions to build into your life if you want to be a more creative person.

2. Seeing Problems as Interesting and Acceptable

One of the problems of the Western mindset is that we often see problems or obstacles in life as unacceptable parts of life. We avoid pain or suppress it when it comes and in doing so don’t often see and feel symptoms that are there to tell us something important. Creative people see problems as a natural and normal part of life - in fact they often have a fascination with problems and are drawn to them.

3. Confronting Challenge

Many of the most creative ideas through out history have come from people facing a challenge or crisis and rather than running from it asking ‘how can I overcome this’?

4. Constructive Discontent

Creative people often have an acute awareness of what’s wrong with the world around them - however they are constructive about this awareness and won’t allow themselves to get bogged down in grumbling about it - they take their discontent and let it be a motivation to doing something constructive.


Menjual Sisir Pada Biksu
Posted by: "Iwuk Gatut"

Be Good , Be Mindful and Be Happy


Pertanyaan :

Jika perusahaan dimana anda bekerja, adalah sebuah perusahaan pembuat SISIR, memberi tugas untuk menjual sisir pada para biksu di wihara (yang semua kepalanya gundul) -- Bisakah anda melakukannya? Apa jawaban anda ?

a) Tidak mungkin, itu mustahil
b) Gile
c) Aku akan sekali mencoba untuk melaksanakan instruksi bos saya
d) Baiklah, saya akan coba
e) Ya, saya pikir bisa menjualnya (5 buah, 10 buah, 50 buah atau lebih, sebutkanlah jumlahnya)

Pilih satu jawaban dan baca tulisan di bawah untuk meilhat apakah anda termasuk orang yang berjiwa sukses atau tidak.


Ada sebuah perusahaan "pembuat sisir" yang ingin mengembangkan bisnisnya, sehingga management ingin merekrut seorang sales manager yang baru.

Perusahaan itu memasang IKLAN pada surat kabar. Tiap hari banyak orang yang datang mengikuti wawancara yang diadakan ... jika ditotal jumlahnya hampir seratus orang hanya dalam beberapa hari.

Kini, perusahaan itu menghadapi masalah untuk menemukan calon yang tepat di posisi tersebut.. Sehingga si pewawancara membuat sebuah tugas yang sangat sulit untuk setiap orang yang akan mengikuti wawancara terakhir.

Tugasnya adalah : Menjual sisir pada para biksu di wihara.
Hanya ada 3 calon yang bertahan untuk mencoba tantangan di wawancara terakhir ini. (Mr. A, Mr. B, Mr. C)

Pimpinan pewawancara memberi tugas :
"Sekarang saya ingin anda bertiga menjual sisir dari kayu ini kepada para biksu di wihara. Anda semua hanya diberi waktu 10 hari dan harus kembali untuk memberikan laporan setelah itu."

Setelah 10 hari, mereka memberikan laporan.

Pimpinan pewawancara bertanya pada Mr. A :
"Berapa banyak yang sudah anda jual?"
Mr. A menjawab: "Hanya SATU."
Si pewawancara bertanya lagi : "Bagaimana caranya anda menjual?"
Mr. A menjawab:
"Para biksu di wihara itu marah-marah saat saya menunjukkan sisir pada mereka. Tapi saat saya berjalan menuruni bukit, saya berjumpa dengan seorang biksu muda - dan dia membeli sisir itu untuk menggaruk kepalanya yang ketombean."

Pimpinan pewawancara bertanya pada Mr. B :
"Berapa banyak yang sudah anda jual?"
Mr. B menjawab : "SEPULUH buah."
"Saya pergi ke sebuah wihara dan memperhatikan banyak peziarah yang rambutnya acak-acakan karena angin kencang yang bertiup di luar wihara. Biksu di dalam wihara itu mendengar saran saya dan membeli 10 sisir untuk para peziarah agar mereka menunjukkan rasa hormat pada patung sang Buddha."

Kemudian, Pimpinan pewawancara bertanya pada Mr. C :
"Bagaimana dengan anda?"
Mr. B menjawab: "SERIBU buah!"
Si pewawancara dan dua orang pelamar yang lain terheran-heran.
Si pewawancara bertanya : "Bagaimana anda bisa melakukan hal itu?"
Mr. C menjawab:
"Saya pergi ke sebuah wihara terkenal. Setelah melakukan pengamatan beberapa hari, saya menemukan bahwa banyak turis yang datang berkunjung ke sana. Kemudian saya berkata pada biksu pimpinan wihara, 'Sifu, saya melihat banyak peziarah yang datang ke sini. Jika sifu bisa memberi mereka sebuah cindera mata, maka itu akan lebih menggembirakan hati mereka.' Saya bilang padanya bahwa saya punya banyak sisir dan memintanya untuk membubuhkan tanda tangan pada setiap sisir sebagai sebuah hadiah bagi para peziarah di wihara itu. Biksu pimpinan wihara itu sangat senang dan langsung memesan 1,000 buah sisir!"

Universitas Harvard telah melakukan riset, dengan hasil :
1) 85% kesuskesan itu adalah karena SIKAP dan 15% adalah karena kemampuan.
2) SIKAP itu lebih penting dari kepandaian, keahlian khusus dan keberuntungan.

Dengan kata lain, pengetahuan profesional hanya menyumbang 15% dari sebuah kesuksesan seseorang dan 85% adalah pemberdayaan diri, hubungan sosial dan adaptasi. Kesuksesan dan kegagalan bergantung pada bagaimana sikap kita menghadapi masalah.

Dalai Lama biasa berkata : "Jika anda hanya punya sebuah pelayaran yang lancar dalam hidup, maka anda akan lemah. Lingkungan yang keras membantu untuk membentuk pribadi anda, sehingga anda memiliki nyali untuk menyelesaikan semua masalah."

"Anda mungkin bertanya mengapa kita selalu berpegah teguh pada harapan. Ini karena harapan adalah : hal yang membuat kita bisa terus melangkah dengan mantap, berdiri teguh - dimana pengharapan hanyalah sebuah awal. Sedangkan segala sesuatu yang tidak diharapkan .... adalah hal yang akan mengubah hidup kita."

Ingatlah, saat keadaan ekonomi baik, banyak orang jatuh bangkrut. Tapi saat keadaan ekonomi buruk, banyak jutawan baru baru yang bermunculan. Jadi, dengan sepenuh hati terapkanlah SIKAP kerja yang benar 85%. Semoga sukses !"





Also visit,

Friday, 12 June 2009

Take control of your money and finance today!

Whether you’re struggling to make ends meet, dealing with debt or other money problems, or just looking for ways to make better use of your money and finance - then look no further, this site is for you!
Achieve financial success and security using these FREE practical tools including personal budgeting and finance worksheets, templates, forms and action plans... not to mention, lots of information on everything you need to know about money - how to make the most of it, how to make more of it and how to deal with any money problems you may have.
We all know that money makes the world go around - so, make it go around the way YOU want it to by making your money work for you! Anyone can achieve financial success and security – YOU can do it too.
There's no better time than now, to take control of your finances!

How to Use this Site:
  • Learn the basics about money and finance - Find out how to budget, how to save money and reduce debt, and get some great tips on how to tighten that money belt!
  • Find out about debt – the good, the bad and the ugly! Find out how to make debt work for you, and how to avoid the pitfalls of modern credit.
  • Find out how to make more money – investments, assets, career, wealth creation, e-commerce and more.
  • Teach your kids about money and set them up for life – kids that start ahead stay ahead!
  • Arm yourself with personal financial management tools – including FREE money worksheets for you and your kids.
And don’t forget to read our Disclaimer and Privacy Policy – by using the information on this site, you agree to these terms and conditions.
And if you’re looking for a rich and dynamic source of success related articles, then check out The Success Squid on Squidoo.
Can't find what you're looking for? Go Google!
This site in a nutshell:

Money Basics:

The Principles of Finance and money.
Learn about the principles of finance and money. If you have a solid financial foundation, your money house will be solid too. And find out about tax, charity, consumerism and other finance terminology.

Budgeting - make the most of what you’ve got.
Find out about budgeting and how to get the most out of your hard earned cash. Anyone can make a personal budget – start making a difference to your finances today.

Saving money is easy with a plan!
Find out how saving money with a saving plan is easy so you can achieve your financial goals! So save for those rainy days – and the sunny ones too!

Cost cutting for Frugal Living
Try these cost cutting, belt tightening and frugal living tips to stretch your money further! Tips for domestic living, going green and keeping a bit of luxury.

Cost cutting for Frugal Living
Find out how to protect your wealth with insurance so you can remain financially secure even when things go wrong – protect what you’ve got from what you don’t know!

Recession, depression and financial collapse.
Find out what to do in a recession, depression or other form of financial collapse, and why you don't need to panic!

Loans and Debt:

All about debt – good and bad
Find out about debt - good and bad - and why some debt is a good thing.

How to avoid debt for financial freedom
Find out how to avoid debt - bad debt at least - for better financial security and freedom.

Debt reduction for financial freedom
Find out why and how a personal debt reduction plan forms part of your financial goals.

Securing finance and loans for good debt
Find out how to get the most out of loans and finance and use good debt to your advantage.

Credit card safety and use
Find out how to use a credit card wisely so your debt doesn't spiral out of control. The good, the bad and the ugly of credit cards.

Wealth Creation:
Principles of wealth creation and investing

The law of attraction and how to use it

How to Make more money

How to Start your own Business

How to Make Money on the Internet

Sell something to make instant cash

Your Career and your finances

Assets are part of your wealth portfolio too!

Investments for the future

Retirement planning for your future

Kids and Money:
Money Education Overview
Lead by example and show your kids how to manage money
Pocket money and allowances as a learning tool
Finance for kids and vital lessons in money.
Inspire a child entrepreneur


Custom Search