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My First Blog Post

Be yourself; Everyone else is already taken.
— Oscar Wilde.

This is the first post on my new blog. I’m just getting this new blog going, so stay tuned for more. Subscribe below to get notified when I post new updates.

Banyak orang sudah menyadari pentingnya menyisihkan sebagian penghasilan untuk kebutuhan masa depan, baik dengan menabung atau berinvestasi. Namun, dalam praktiknya, tidak semua orang mampu mendisiplinkan diri agar bisa rajin menabung untuk kebutuhan masa depan. Penyebabnya beragam. Ada yang memang karena tingkat kebutuhan terlalu besar dibandingkan tingkat penghasilan. Ada pula yang gagal menabung karena terlalu boros. Bahkan saat penghasilan sudah meningkat, masih saja gagal menabung.

Ada saja pengeluaran yang harus dibayarkan setiap bulannya, di samping biaya-biaya tak terduga. Jika gaji terus-menerus habis, Anda akan berujung pada kemiskinan atau kebangkrutan. Padahal kalau cermat mengontrol dan menyimpan uang, bukan hanya memiliki cadangan atau simpanan saja, tetapi Anda bisa mendapatkan kemudahan di kemudian hari.

Mengetahui bahwa kita perlu berhemat dan menabung uang adalah satu hal, tetapi mewujudkannya membutuhkan upaya ekstra.Lagi pula, gaji atau penghasilan tidak akan secara otomatis pindah ke rekening tabungan atau rekening investasi tanpa kita sendiri yang melakukannya.Hanya Anda yang dapat mengambil langkah-langkah yang diperlukan untuk menyisihkan sebagian uang Anda, yang kita semua tahu bisa sulit pada masa-masa tertentu.

Anda mungkin menghadapi hal serupa. Tapi, jangan dulu menyerah. Masih banyak jalan keluar yang bisa Anda lakukan supaya target menabung tidak terus gagal. Yuk, praktikkan langkah mudah ini agar target menabung bisa tercapai :

1. Buatlah rencana menabung secara detil

“ KETAHUI, KEMANA SAJA UANG DIHABISKAN “.

Saat merasa kesulitan menabung, langkah pertama yang harus diambil adalah mencari tahu ke mana perginya uang Anda.

Dengan kata lain, lacak pengeluaran sehingga Anda tahu persis apa yang telah dibeli dan berapa banyak yang dibelanjakan untuk kebutuhan pokok seperti transportasi dan makanan.

Salah satu manfaat mencatat pengeluaran adalah Anda bisa mengevaluasi pos apa saja yang dirasa terlalu boros sehingga setelahnya bisa dilakukan penghematan.

Berapa target tabungan yang ingin Anda capai? Anggaplah saat ini Anda baru di tahap membangun dana darurat. Untuk kalangan lajang, besar dana darurat adalah 3 kali besar pengeluaran rutin. Dengan asumsi pengeluaran bulanan Anda adalah Rp5 juta per bulan, maka dana darurat yang harus Anda kumpulkan adalah Rp15 juta.

2. Bangun sistem otomatis

“Mengatur setoran langsung ke dalam rekening tabungan”

Cara termudah untuk menumbuhkan dana simpanan adalah langsung mentransfer uang ke rekening khusus tabungan atau rekening investasi secara otomatis.

Periksa apakah bank Anda memiliki fasilitas transfer otomatis, sesuatu yang biasanya tersedia.

Dari sana, ketahui berapa banyak uang yang bisa menabung setiap bulan pada hari gajian. Atur agar uang tersebut langsung ditransfer ke rekening khusus tabungan.

Di rekening gaji atau payroll account, Anda bisa mengaktifkan fitur autodebet ke rekening khusus tabungan. Sebagai contoh, selama ini Anda mendapatkan transfer gaji pada tanggal 25 setiap bulan. Agar langkah menabung menjadi otomatis, aktifkan saja fitur autodebet setiap tanggal 26 ke rekening khusus tabungan atau investasi. Nilai yang bisa Anda sisihkan minimal 10%-20% dari total penghasilan rutin.

3. Lakukan tantangan tanpa pengeluaran.

Menahan diri untuk tidak menghabiskan uang selama beberapa bulan mungkin terdengar mengerikan, tetapi hasil akhirnya – lebih banyak uang di dompet – dapat membuat pengorbanan tersebut terasa sepadan.

Mulailah dengan menghentikan semua pengeluaran yang tidak penting untuk setidaknya dua minggu.

Dari sana, lihat apakah Anda dapat menambah waktu hingga empat minggu, enam minggu, atau lebih.

Selama tantangan tanpa pengeluaran, tujuannya adalah harus menghindari pengeluaran apa pun yang tidak amat diperlukan.

Semua bisa dilakukan dengan menjauh dari mal dan semua toko online favorit, sekaligus memeriksa dapur dan kulkas sebelum memutuskan membeli makanan yang sebenarnya di rumah masih memiliki persediaan.

Melakukan hal ini dalam jangka panjang akan membawa Anda pada kebiasaan belanja yang lebih baik.

4. Simpan uang receh.

Jangan sepelekan uang receh. Kumpulkan uang receh hasil kembalian ke dalam toples atau celengan yang disediakan khusus.

Meskipun bukan sesuatu yang revolusioner, metode menabung seperti ini tetaplah efektif.

Jika kebanyakan transaksi Anda menggunakan uang tunai, memulai kebiasaan ini akan menjadi lebih mudah.

Pada akhir hari, periksa kantong (atau dompet). Segera masukkan setiap koin receh yang tersisa ke kaleng bekas biskuit atau celengan.

Dengan cara ini, seiring waktu, uang receh akan terkumpul dengan sendirinya. Dan karena tabungan dibangun sedikit demi sedikit maka Anda tidak akan terasa berat saat melakukannya.

5. Potong anggaran makan diluar.

Biaya untuk makan diluar bisa menjadi tak terkendali, dengan sebagian orang menghabiskan ratusan hingga jutaan sekali makan.

Kebiasaan ini akan cepat terakumulasi ketika kita menghitungnya dalam rentang akumulasi satu bulan atau satu tahun.

Ketika mengetahui hal ini, mudah untuk melihat mengapa menabung dapat menjadi masalah.

Makan merupakan kebutuhan pokok, namun pertimbangkan untuk mengurangi frekuensi makan diluar dan lebih banyak bersantap di rumah.

Kemudahan memesan makanan menggunakan aplikasi online juga bisa menimbulkan tantangan tersendiri. Kenyamanan memesan makanan tanpa harus antri bisa menjadi godaan besar.

Padahal, tanpa disadari harga yang harus Anda bayarkan menjadi terlalu tinggi karena harus membayar ongkir dan mark up harga ketika membeli melalui aplikasi.

6. Kunci tabungan

Anda mungkin ingat zaman kecil dulu ketika menabung di celengan ayam menjadi gaya hidup? Menabung hanya bisa berhasil bila dana yang ditabung “terkunci” dan aman dari godaan memakainya untuk konsumsi. Nah, cara ini pun bisa Anda tempuh yaitu dengan mengunci dana yang berhasil Anda sisihkan.

Misalnya, melalui produk deposito bank atau produk tabungan rencana bank. Biar tidak terlalu ribet, Anda bisa memanfaatkan produk deposito online atau tabungan rencana online. Beberapa bank menerima deposito online mulai Rp5 juta saja.

Bagaimana bila nilai tabungan belum sebesar itu? Gampang juga. Kumpulkan saja dulu penghasilan hingga bisa senilai itu. Begitu tercapai Rp5 juta, Anda bisa memindahkannya ke simpanan berjangka.

7. Jadikan aset riil

Banyak orang mengaku terlalu sulit membiarkan uang “menganggur” di rekening. Alhasil, uang yang tersisa itu terus saja digunakan untuk konsumsi. Alhasil, cita-cita menabung pun jadi gagal terus. Anda mungkin mengalami hal seperti ini juga? Saatnya mengubah cara.

Mulai hari ini biasakan mengubah langsung uang yang Anda sisihkan menjadi tabungan tersebut ke dalam bentuk aset riil. Misalnya, emas. Jangan dulu malas membayangkan harus pergi ke toko emas untuk membeli. Zaman sekarang sudah banyak jalan untuk menabung emas tanpa ribet, misalnya melalui produk tabungan emas di Pegadaian, aplikasi tabungan emas digital, dan lain sebagainya.

Dengan mengubahnya menjadi aset riil seperti emas, Anda bukan hanya menyisihkan uang tetapi juga bisa menangkal inflasi dalam jangka panjang melalui investasi emas.

8. Simpan kenaikan gaji yang Anda dapatkan

Mendapatkan kenaikan gaji karena promosi atau bonus ekstra perlu disyukuri. Nah, supaya kenaikan gaji atau pendapatan itu berfaedah, jangan gunakan seluruh selisih kenaikan tersebut sekadar untuk belanja atau konsumsi.

Contohnya begini, gaji Anda sekarang Rp10 juta. Karena kebijakan kantor atau bos yang baik, gaji Anda naik menjadi Rp12 juta mulai tahun depan. Selisih sebesar Rp2 juta itu sebaiknya Anda arahkan untuk mengisi tabungan. Mungkin Anda bertanya-tanya,masak gaji naik, tidak boleh dinikmati?

Jawabannya, boleh saja. Tapi pastikan tetap terarah. Caranya bisa seperti in. Dari selisih kenaikan sebesar Rp2 juta tersebut, keluarkan sebesar minimal sebesar 30% untuk menambah porsi tabungan. Sisanya, bisa Anda gunakan untuk konsumsi.

9. Berhenti berbelanja online.

Terus-menerus tergoda oleh iklan produk di Facebook atau suka menghabiskan waktu browsing di marketplace, menjadikan belanja online salah satu penyebab yang menyabotase usaha Anda untuk menabung.

Kecuali jika Anda ingin membeli barang yang rutin dibutuhkan (sabun, tisu toilet atau mie instan), belanja online mungkin lebih mahal daripada yang Anda kira.

Terlalu sering, orang menjelajah marketplace karena bosan dan akhirnya menghabiskan ratusan ribu untuk barang-barang yang bahkan tidak mereka butuhkan.

Jika Anda merasa tidak mampu untuk mulai menabung, coba hapus aplikasi belanja di ponsel Anda.

10. Lunasi utang.

Beban utang sangat signifikan. Tidak hanya di Indonesia, tercatat 77 persen rumah tangga Amerika memiliki saldo utang rata-rata $123.400 (hampir 1,8 milyar rupiah), menurut Survei Keuangan Konsumen Federal Reserve.

Dengan saldo utang setinggi itu, bisa jadi sulit untuk mengimbangi tagihan, apalagi menabung sejumlah uang setiap bulan.

Namun, melunasi utang dapat membantu membebaskan uang tunai yang dapat Anda tabung, meskipun keluar dari utang bisa cukup sulit.

Dengan asumsi tidak ada penghasilan tambahan, utang akan cepat terlunasi jika Anda menemukan cara untuk memotong pengeluaran.

Dengan begitu, lebih banyak uang dapat dialokasikan untuk pembayaran utang setiap bulan.

Tidak perlu memotong pengeluaran besar. Pengeluaran kecil seperti membeli minuman ringan, rokok, atau camilan, jika dikendalikan tetap bisa membebaskan sebagian uang Anda.

Tambahan uang kecil ini bisa digunakan untuk segera melunasi utang sehingga alih-alih untuk membayar cicilan, uang yang Anda bebaskan dapat digunakan untuk membangun rekening tabungan secara signifikan.

The working principle of the 2-stroke engine

In the emergence of an internal combustion engine, a 2 stroke (two stroke) engine is one of the simplest engines. Only a few moving parts, including the crankshaft, piston, and several others. Where, the 2 stroke engine does not use a valve (valve) and noken as (camshaft) as in the 4 stroke engine, instead the engine 2 does not use a membrane that is after the carburetor. These advantages make the 2-stroke engine lighter, simpler and cheaper to produce.

2-stroke engine is one type of engine on the automotive world market. As its development, this machine was abandoned and rarely produced by large manufacturers of automotive vendors due to the exhaust emissions are quite large. In addition, this type of salt is very wasteful in fuel consumption compared to other types of engines so that we rarely encounter and even no motorcycles and cars use this engine.

In addition, because the 2-stroke engine in one rotation of the crankshaft carries out 4 cycles, namely: suction, compression, expansion and exhaust. This 2 stroke engine is more responsive and has good acceleration. However, this engine emits more power when the RPM is high so that this engine consumes more fuel. The combination of light and twice the power gives this 2 stroke engine the power-to-weight ratio is greater when compared to the 4 stroke engine.

Suction and Compression steps

When the piston moves from the lower dead point (TMB) to the upper dead point (TDC), the space under the piston will be vacuum, as a result a mixture of fuel, air and oil is sucked into the chamber. While in the upper chamber of the piston compression steps occur so that the temperature and pressure of the mixture of air and fuel increases. When it is 5-10 degrees before TDC, the spark plug produces sparks so that the mixture of fuel and air whose temperature and pressure have risen will catch fire and explode.

Expansion and Discard Steps

The result of this combustion makes the piston move downward. When the piston is pushed down and down, the space under the piston becomes compressed. So that the mixture of air and fuel in the piston chamber is pushed out and up to the chamber above the piston through the rinse channel. While the rest of the combustion results will be pushed out of the combustion chamber and out into the exhaust and then to the exhaust. When the mixture of fuel and air pushes away the combustion gases, there must be a mixture of the fuel carried into the exhaust.

With a 2 stroke engine muffler, the fuel mixture can be kicked back into the combustion chamber because the bubbling exhaust will increase in pressure and this pressure will kick back the fuel mixture. The hot combustion gases also enter the combustion chamber a little, which helps increase the temperature of the new fuel mixture into the combustion chamber and will cause the fuel mixture to combust easily. This work step occurs repeatedly during the engine’s life.

Why is body immunity important?

Shivered and shivered my body that morning. In my heart I asked, what’s wrong with my body today. It seems like yesterday I was fine. Am I sick today? Did I eat wrong yesterday? I try to remember again. Yes, suddenly this morning I felt chills all over my body. The throat feels hot and dry. Tears keep coming out because I’m so hot. Indeed, maybe indeed I was sick today. Sick fever because something happened to my body. I have a lot of rest today, reduce activities outside the home. eat lots of nutritious food and drink lots of it.

But, do you know? What causes fever? Is it dangerous? Is there a cure? Then, what should we do to avoid a fever again? consider the following answer.

Fever is a condition of increasing body temperature to more than 380C. Fever indicates the presence of a disease or other condition in the body.
Fever generally occurs as a reaction from the immune system against viral, bacterial, fungal, or parasitic infections. Some diseases that often cause fever are colds, strep throat, and urinary tract infections.

In addition to disease, there are several conditions that can cause fever, namely exposure to excessive weather and heat, the menstrual cycle, reactions after immunization in children, and the side effects of certain drugs.

Although sometimes worrying, most of the fevers caused by a viral infection will resolve on their own. However, if the fever has reached temperatures more than 390C, treatment is needed to overcome the discomfort caused by fever and treat the cause.

Hmm, is the body’s immune system affected by the virus? Is the body’s immune system maintained? I will answer after this. We first discuss about fever.

Symptoms and Causes of Fever

Fever is characterized by an increase in body temperature to more than 380C from normal body temperature, which is between 36.10C to 37.20C.
Fever is a symptom of various conditions and diseases. Usually, fever will be accompanied by other symptoms due to the underlying condition. Some of them are:
     1. Headache
     2. Sweating
     3. Shivering
     4. Limp
     5. Muscle ache
     6. Loss of appetite

Fever can be caused by various conditions, such as:

     Infectious diseases, such as viral, bacterial, fungal, parasitic infections.
     Diseases that cause chronic inflammation, such as reumathoid arthritis.
     Receive several types of immunizations, such as diphtheria and tetanus.
     Receive medicine and Cancer.

It turns out that excessive fever is very dangerous. Therefore, maintaining the body’s immunity is important to prevent fever.

Indeed, fever can be treated with the following steps. Fever with a temperature that is not too high and does not last long usually does not require treatment. However, to overcome the discomfort caused by fever, there are several ways you can do at home, namely:

1. Enough rest.
2. Use comfortable clothes with a material that is not too thick, and stay in a cool room.
3. Drink enough water.
4. Take a shower with warm water.

In addition, you can also take fever-lowering drugs that can be purchased freely, such as paracetamol. Take paracetamol according to the rules listed on the package or as directed by your doctor. Although this drug is relatively safe, excessive and long-term use can cause liver or kidney damage.

If the increase in body temperature experienced is high enough or if the fever lasts a long time, the doctor will do the treatment according to the conditions or diseases that cause it. Some treatments that can be given are:
1. Giving intravenous fluids, especially if there are signs of dehydration and can not drink directly.
2. Antiviral medication if the fever is caused by a viral infection.
3. Antibiotic medication, to deal with fever due to bacterial infection.
4. Antifungal drugs, to treat fungal infections that cause fever.

Then how to maintain the body’s immune?

Implement a Healthy Lifestyle

So that the body’s immunity can work optimally so that the body is not susceptible to disease, it is important to adopt a healthy lifestyle. Here are some steps that can be taken to maintain and enhance body immunity:
1. Expand to eat vegetables and fruit
To maintain and enhance body immunity, you are advised to increase sumption of vegetables and fruit. Research shows, people who consume a lot of both types of food, tend not to get sick easily. This is because the vitamins and minerals contained in vegetables and fruits can strengthen the immune system against viruses and bacteria that cause disease.
2. Get enough rest
Lack of sleep can reduce body immunity. It is important to fulfill your sleep needs according to your age. Generally, adults need about 7-8 hours of sleep, and teens need about 9-10 hours of sleep.
3. Avoid stress
uncontrolled stress can increase hormone production cortisol. In the long run, an increase in the hormone cortisol can resulting in decreased immune function. You need to manage stress well to avoid decreasing immune function.
4. Exercise regularly
It is recommended to exercise regularly for 30 minutes every day, to increase the body’s immune system in fighting infection. One sport that is cheap and easy to do is walk.
5. Avoid cigarettes and alcohol
Exposure to excessive cigarette smoke and alcohol can damage the immune system. Smokers have a high risk for lung infections, such as bronchitis and pneumonia. While for smokers who are also alcoholics, the risk of getting a lung infection will be even greater.

So, do you understand? why do we have to maintain the body’s immune? and how to look after it? If you understand, let’s do it together. So that all people on earth have a healthy body and a strong soul.

Regards.
Whysheva

The deadliest virus at the moment.

How shocking! when I saw youtube. Lots of content raised about a very dangerous virus. Yes, when I saw some of the shows, it was terrible. The whole city is isolated. Residents may not go out and enter the city. Domestic and foreign tourists must be repatriated. Many countries are worried about the condition of its citizens who live there just to visit the city.

Hey you ! Do you understand what city I mean? Yes, that city is Wuhan city in China. Wuhan City is a city that is classified as a densely populated city in China. Many residents who depend their lives on business. Wuhan City is a bustling city. Busy city. So, the citizens are always active in carrying out activities for their survival.

However, now Wuhan city is like a zombie city. Suddenly there were people who fainted themselves and then got up on their own. All residents wear masks. Acting like an animal. Crazy !!! I feel sad when I see some shows on local television and YouTube. Poor them! They need help.

Corona Virus or 2019 Coronavirus Novel is a virus that attacks the respiratory system. This virus can cause disorders of the respiratory system, acute pneumonia, until death. Deadly !!! yes very deadly.

Virus 2019 Novel Coronavirus (2019-nCoV), better known as the Corona virus, is a new type of coronavirus that is transmitted to humans. This virus was first discovered in the city of Wuhan, China, at the end of December 2019. This virus spread quickly and has spread to other regions in China and to several countries.

Coronavirus is a collection of viruses that can infect the respiratory system. In many cases, this virus only causes mild respiratory infections, such as flu. However, this virus can also cause severe respiratory infections, such as pneumonia, Middle-East Respiratory Syndrome (MERS), and Severe Acute Respiratory Syndrome (SARS).

It is suspected that the Corona virus was initially transmitted from animals to humans. However, it was later discovered that coronaviruses were also transmitted from human to human.

A person can be infected with coronavirus through various ways, namely: Accidentally inhale a splash of saliva from sneezing or coughing Corona virus sufferers. Hold the mouth or nose without washing hands first, after touching an object affected by the patient’s saliva. Close contact with sufferers, such as touching or shaking hands.

Corona virus can infect anyone, but more at risk of attacking the elderly, as well as people who are sick or have weak immunity.

Therefore, friend. Let us always maintain our body’s immunity. By eating healthy foods. Avoid eating extreme food, unless you are in the forest. Get enough rest, think positive and always have a healthy lifestyle.

Eating meat, fruits and vegetables that are fit for consumption is still the right choice to maintain the health of our bodies. Come on guys! we pray for our brothers in the city of Wuhan, that they be restored soon. Hopefully a lot of help comes, both physical and moral. Let’s fight the deadly virus together.

Hopefully this article is useful.
Wait for my next writing.

Regards.
Whysheva

Introduce Yourself (Example Post)

This is an example post, originally published as part of Blogging University. Enroll in one of our ten programs, and start your blog right.

You’re going to publish a post today. Don’t worry about how your blog looks. Don’t worry if you haven’t given it a name yet, or you’re feeling overwhelmed. Just click the “New Post” button, and tell us why you’re here.

Why do this?

Because it gives new readers context. What are you about? Why should they read your blog?
Because it will help you focus you own ideas about your blog and what you’d like to do with it.

The post can be short or long, a personal intro to your life or a bloggy mission statement, a manifesto for the future or a simple outline of your the types of things you hope to publish.

To help you get started, here are a few questions:

Why are you blogging publicly, rather than keeping a personal journal?
What topics do you think you’ll write about?
Who would you love to connect with via your blog?
If you blog successfully throughout the next year, what would you hope to have accomplished?

You’re not locked into any of this; one of the wonderful things about blogs is how they constantly evolve as we learn, grow, and interact with one another — but it’s good to know where and why you started, and articulating your goals may just give you a few other post ideas.

Can’t think how to get started? Just write the first thing that pops into your head. Anne Lamott, author of a book on writing we love, says that you need to give yourself permission to write a “crappy first draft”. Anne makes a great point — just start writing, and worry about editing it later.

When you’re ready to publish, give your post three to five tags that describe your blog’s focus — writing, photography, fiction, parenting, food, cars, movies, sports, whatever. These tags will help others who care about your topics find you in the Reader. Make sure one of the tags is “zerotohero,” so other new bloggers can find you, too.