Gangguan

Onny_Indrianto

To Me

Today at 9:05 AM

Tks Dwika…good article

Btw…Tks untuk makan siangnya kemarin lalu… 

From: Dwika Sudrajat [mailto:dwikasudrajat@yahoo.com]
Sent: 21 Juni 2014 8:52
To: Hilda Fachriza
Cc: Nining Satmoko Soesilo; Sisdjiatmo K. Widhaningrat; Eugenia Mardanugraha
Subject: Gangguan

“Masyarakat sekarang ini sulit memisahkan mana kebutuhan dan keinginan. Contohnya, ketika uangnya pas-pasan banyak pria yang lebih pilih beli rokok daripada beli makanan. Mending nggak makan daripada nggak ngerokok,” ungkap Hilda Fachriza, Kepala UKM Center dan staf pengajar di Fakultas Ekonomi Universitas Indonesia.
I deliver happiness,
Dwika

4 Penyebab Gangguan Keuangan

oleh jonathan iwan

Semakin hari tingkat kebutuhan gaya hidup semakin tinggi, dan masyarakat menjadi lebih konsumtif. Akibatnya, dana yang dibutuhkan untuk memenuhi kebutuhan dan keinginan tersebut jadi makin tinggi. Jika tak bisa memisahkan kebutuhan dengan keinginan, tak heran jika pengeluaran Anda jadi lebih besar daripada pendapatan.

“Masyarakat sekarang ini sulit memisahkan mana kebutuhan dan keinginan. Contohnya, ketika uangnya pas-pasan banyak pria yang lebih pilih beli rokok daripada beli makanan. Mending nggak makan daripada nggak ngerokok,” ungkap Hilda Fachriza, Kepala UKM Center dan staf pengajar di Fakultas Ekonomi Universitas Indonesia, saat Diskusi Media “Ciptakan Kesempatan, Berdayakan Masyarakat, dan Perkecil Kesenjangan” di Jakarta, beberapa waktu lalu.

Sedangkan perempuan, biasanya kesulitan menahan keinginan untuk berbelanja saat melihat berbagai produk fashion atau make-up terkini, apalagi jika sedang diskon besar-besaran. Padahal jika dicermati, semua ini hanya bertujuan untuk mengikuti gaya hidupnya.

Selain masalah konsumerisme yang cukup tinggi, Hilda juga mengungkapkan ada beberapa masalah keuangan yang dialami masyarakat terutama di kota besar, yaitu:

1. Tidak punya perencanaan
Setiap orang memiliki kebutuhan yang berbeda-beda. Oleh karena itu, setiap orang seharusnya membutuhkan perencanaan keuangan yang baik. Sayangnya kebanyakan orang justru tidak melakukannya. Mereka cenderung berpikir pendek untuk mendapatkan kesenangan sesaat, dan menyesal di kemudian hari karena gaji mereka sudah habis untuk membeli barang-barang yang ternyata tidak diperlukan.

2. Sulit menabung
“Sebenarnya semua orang sudah sadar bahwa mereka harus menyisihkan uang untuk ditabung. Sayangnya, ini masih sangat sulit dilakukan,” tambahnya.

Hal ini terjadi karena saat mereka punya uang lebih, pasti langsung tergoda untuk membelanjakannya. Hilda menambahkan, masalah kesulitan menabung ini tidak cuma dialami oleh masyarakat kota besar saja, tapi juga kota kecil, terutama penduduk yang bermata pencaharian sebagai pemilik usaha kecil.

“Para pemilik UKM ini biasanya mengeluhkan pendapatannya yang juga kecil sehingga tidak punya uang untuk ditabung. Mereka masih punya pikiran bahwa menabung itu harus dalam jumlah yang besar sedangkan sisa uang mereka sedikit,” katanya.

3. Pendidikan keuangan
Konsumerisme dan perencanaan keuangan yang buruk merupakan salah satu dari kurangnya pendidikan keuangan di masyarakat. Padahal seharusnya pendidikan keuangan ini sudah diajarkan sejak dini. Tujuannya bukan untuk membuat Anda menjadi kaya raya, namun lebih kepada bagaimana cara mengelola keuangan untuk hidup sejahtera dan berkecukupan.

4. Tidak punya visi untuk masa depan
Setiap orang pasti memiliki banyak rencana untuk masa depannya, entah menikah, jalan-jalan keluar negeri, membangun usaha, membeli rumah, atau mungkin berinvestasi. Untuk melakukan semuanya ini dibutuhkan biaya yang tidak sedikit. Maka, ada baiknya untuk mulai menabung dan membuat impian Anda jadi nyata.

“Ketika mereka tidak punya mimpi dan visi di masa depan mau berbuat apa, sudah pasti mereka tidak juga memikirkan keuangan untuk kebutuhan masa depannya,” tutupnya.

Tanpa Batas

bangun

To Me

Jun 21 at 11:53 AM

Well received and noted bos. Thanks

Sent from Samsung Mobile

 

-------- Original message --------
From: Dwika Sudrajat
Date:06/20/2014 18:42 (GMT-09:00)
To: Elektro85
Subject: Tanpa Batas  

Orang yang Well being akan selalu menghasilkan sesuatu dari waktu ke waktu. Selalu ada achievement. Well being tidak mengenal batas usia. Seseorang bisa tumbuh pada usia berapapun.
I deliver happiness,
Dwika

Flourish: Berkembang Tanpa Batas

By Arvan Pradiansyah 

Flourish adalah sebuah pemahaman baru tentang happiness dan well being. Segala sesuatu berkembang menjadi sejadi-jadinya, manusia berkembang menjadi insan yang paripurna, insane kamil, manusia yang seutuhnya.

Di dalam Flourish terdapat 4 unsur, yaitu unsur fisik, emosi, mental dan spiritual. Dengan demikian, manusia berkembang/tumbuh di 4 unsur tersebut.

 

Flourish berbeda dengan happiness.

-Happiness berbicara tentang sesuatu yang sifatnya statis. Misalnya, dalam skala 1 (sangat tidak bahagia) sampai 10 (sangat bahagia) dimana level happiness seseorang. Level ini bisa naik turun.

-Well being berkembang/tumbuh dan tidak ada batasnya. Dari “sangat tidak berkembang” seseorang bisa berkembang hingga melewati skala 10 bahkan tak berbatas. Batasnya hanya Tuhan.

-Happiness cara mengukurnya dengan life satisfaction. Itu sangat subyektif, yang bisa menilai cuma diri kita.

-Well being ada unsur subyektif dan obyektif. Ukurannya bisa dilihat dari emosi kita positif atau tidak. Ada juga unsure obyektif yang bisa dilihat orang lain.

 

Ada 5 pilar Well being:

1.Positive emotion. Orang yang well being adalah orang yang selalu punya emosi positif, dia mampu mengelola pikirannya dengan baik.

2.Engagement. Merasa flowing dengan kegiatan yang dilakukan. Menikmati.

3.Relationship. Bagaimana kita bisa berhubungan baik dengan orang lain. Kebahagiaan seseorang tergantung pada bagaimana hubungannya dengan orang lain.

4.Meaning. Merasa apa yang dilakukan berarti. Itu terjadi kalau kita melayani oranglain lebih besar dari diri kita.

5.Accomplishment. Ada pencapaian. Tanpa pencapaian, hidup akan kurang bermakna dan tidak berkembang.

 

Orang yang Well being akan selalu menghasilkan sesuatu dari waktu ke waktu. Selalu ada achievement. Well being tidak mengenal batas usia. Seseorang bisa tumbuh pada usia berapapun. (am)

Accomplish a Goal

Assalammu'alaikum Wr.Wb.

Terima kasih atas kiriman artikelnya yang memberikan inspirasi dan dorongan semangat.

Semoga selalu suksesnya pak.

Wassalam

A. Amrin

2014-06-19 8:37 GMT+07:00 Dwika Sudrajat <dwikasudrajat@yahoo.com>:
SMART stands for:

• S – Specific (or Significant).
• M – Measurable (or Meaningful).
• A – Attainable (or Action-Oriented).
• R – Relevant (or Rewarding).
• T – Time-bound (or Trackable).
• I deliver happiness,
• Dwika

How to Accomplish a Goal

Edited by James Quirk, Krystle, Travis Derouin, Krystle C. and 93 others

Three Parts:Setting GoalsGetting StartedAccomplishing Your Goal

Everyone has dreams. Whether they are big or small, they have vast importance in our lives. The procrastinator in all of us doesn't have to win. The Little Engine That Could was on to something with the whole "I think I can" mentality. With just a little bit of planning, accomplishing a goal is a simple task.

Part 1 of 3: Setting Goals

1. 1
   Start working toward your goals today. Ask yourself, "What can I do today to get one step ahead, however small, closer to achieving my goals?" Write it down and start now. Taking the first step is arguably the most important step. You'll establish some much-needed momentum. This will make quitting both personally disappointing and strategically harder. In the words of Eleanor Roosevelt, "Do one thing every day that scares you."
   
   
   Ad
2. 2
   When you set goals, think about setting SMART goals. SMART is an acronym and mnemonic that provides a framework for thinking about goals.^[1] Educators and coaches like to use this framework because it forces us to sit down and really design our goals intelligently so that they're ultimately easier to accomplish. SMART stands for:
   • S – Specific (or Significant).
   • M – Measurable (or Meaningful).
   • A – Attainable (or Action-Oriented).
   • R – Relevant (or Rewarding).
   • T – Time-bound (or Trackable).
3. 
   3
   In keeping with SMART, make sure your goal is specific and definable. A definable goal might be something like "I'd like to lose 20 pounds in three months" or "I'd like to win a Scrabble tournament." Specific, definable goals help you stay on track and let you know they're feasible.
   • An unspecific goal, like "I'd like to become a better human being" is so vague as to be practically useless. You could become a "better human being" by cleaning up the dishes or by solving world peace. See what we mean? Instead of thinking about really general goals, stay specific. After all, if you set yourself a goal of volunteering for Thanksgiving, there's a good chance you've become a better human being.
4. 
   4
   Make sure your goal is measurable. How will you know if your goal is accomplished? Will it be accomplished when you have a feeling, which can be unreliable, or will it be accomplished when a threshold is surpassed or a day takes place?
5. 5
   Ask yourself, "Is my goal attainable?" Is there an action involved in the goal? This step is less about making sure the goal is theoretically possible and more about making sure the goal is personally practical. Here's the difference between the two:
   • A theoretically possible goal could be getting to the moon. Yes, it's been done by a handful of humans, so it is technically possible. But how big are your chances of getting there? If it's your ultimate dream and you're an astronaut, maybe it's more in the realm of possibility. But for most of us, it's just not a practical goal.
   • A personally practical goal, instead of getting to the moon, would be to earn a paying job as an astronaut. Yes, it's very hard to be an astronaut and get paid for it, but it's a much more practical goal than getting to the moon.
6. 
   6
   Try to set a goal that is relevant or rewarding to you personally. Most people set goals that are inherently relevant to their personal needs and situations. People who are overlooked make goals to stand out. People who are overweight make goals to get trim. But every once in a while, people make goals that they aren't personally committed to, but which they think they should be. (Becoming a lawyer just because your dad is one.) Try not to do this.
   • One big regret people have at the end of their lives is not living true to their own ideal, focusing rather on others' expectations.^[2] Live a life true to yourself by setting goals that you actually care for.
7. 
   7
   Make sure your goal is time-bound. In other words, set yourself a deadline for meeting the goal. If you set yourself a deadline, your urgency increases monumentally. Without a deadline, you're just kind of along for the ride, paddling downstream, maddeningly unaware of where the finish line is.

Part 2 of 3: Getting Started

1. 
   1
   Break down your goal into chunks or pieces. Setting attainable but ambitious goals is a great thing. Lots of people want to lose weight, stop procrastinating, write a book, fall in love, travel the world, and play guitar.^[3] But all of these goals are pretty daunting taken alone. To make the accomplishment of the goal much easier, try to break down the goal into more manageable chunks.
   • Losing weight, for example, can be broken down into chunks lots of different ways. You can have a weight loss goal that you set — say 15 pounds — and just set incremental goals for yourself — losing 5 pounds three times. You could even break down the different component parts of losing weight — eating healthy, exercising, and controlling cravings — and set a goal for each of those.
2. 
   2
   Brainstorm ideas. Are there different ways to reach your goal? Write everything down that you can think of in three minutes, no matter how silly or impossible it may seem. For example, you could go to acting school, or maybe you could land a spot in a reality show that would get you started.
3. 
   3
   Visualize. Close your eyes and imagine yourself accomplishing your goals. Where are you? How did you get there? How do you feel? Do this often. Don’t get swayed easily with the noise and happenings going on outside. Put your attention on what you are trying to achieve. Remember the goal, and you will have control over the discomforts and difficulties. A good way to visualize is to practice self-hypnosis.
4. 4
   Read inspirational stories or quotes to help you get started. There's nothing quite like a warm kick in the pants from someone who knows what they're talking about. Reading about the struggles and successes of other people can be a huge motivator to get you going or a huge maintainer to keep morale high. Here are a couple for your pleasure as you continue to meet your goal:
   • "It had long since come to my attention that people of accomplishment rarely sat back and let things happen to them. They went out and happened to things."^[4] - Leonardo da Vinci
   • "Nothing in the world can take the place of Persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent. The slogan 'Press On' has solved and always will solve the problems of the human race."^[5] - Calvin Coolidge
   • "Nothing splendid was ever created in cold blood. Heat is required to forge anything. Every great accomplishment is the story of a flaming heart."^[6] - Arnold Glasow
5. 
   5
   Ask for guidance. No one can tell you exactly what you should do to achieve your goal, but one of the best sources for guidelines is to ask those who have done what you hope to achieve. Learn from the experience of others without trying to imitate them.
   • A good source of help might be a mentor. A mentor is someone, usually older and more experienced, who knows the ropes and gets excited about the idea of helping someone else out. (That someone else is you.) Find established professionals, friends of family, or even colleagues who might serve as mentors, or who could point you to someone who might serve as a mentor.
   • If you're trying to become a jazz musician, for example, seek out a more established trumpet player and ask to learn from him or her. If you're thinking about becoming mayor, seek out past mayoral candidates — successful or otherwise — and try to learn from them. If you're just trying to come to terms with an abusive childhood, a psychologist can help you come to terms with some of your feelings.
6. 
   6
   Seek help. Find the information, skills and knowledge that you need from other people, books, and audio or video programs. Speed up your learning process by emulating what other successful people have done. You save time and get results faster.
7. 
   7
   Be positive. Always believe that you will achieve your goal. As soon as you stop believing, you have already failed.

Part 3 of 3: Accomplishing Your Goal

1. 
   1
   Draw on all your past achievements that are relevant to your goal. No matter how small you perceive your achievements, list them anyway. It could be something small, such as joining a healthy eating mailing list, to coming home from work late, yet preparing a tasty nutritious meal for your family in under 30 minutes. Once you review your list, you will be amazed at how all those small achievements soon add up, and how much you are capable of doing.
2. 
   2
   Leverage the power of small wins. Bring to mind the small wins you have achieved in your life. Let them give you the feel and the motivation of a conqueror. Let these motivate you to set higher and hitherto unreachable goals, and the courage to achieve them. This will help you win many a battle in your life and ultimately the war.
3. 
   3
   Learn from mistakes. Making mistakes should be a subject at school to teach all children how to learn from them, instead of trying to avoid them. In the pursuit of a goal, you are likely to make some mistakes. Don't see them as bad or get angry. They are important to correct you and to lead you to success.
   • In fact, make as many mistakes as you can, and then try not to make the same mistake twice. Nothing teaches a lesson like a big fat mistake, whether it's acting buffoonish in front of a cute girl, thinking you can run a marathon after a night of inspired drinking, or asking for your job back after the new one fell through. As long as you internalize the lessons of your mistakes, keeping them in your psyche as you trudge along like a soldier to the battlefield, you'll win ultimately.
4. 
   4
   Celebrate benchmarks or milestones. A benchmark is something you can use to measure your progress and know you're on track. For example, after you've been featured in the Entertainment section of the newspaper or appear as a guest on "Oprah," stop to smell the roses. Life is about the journey, not the destination, and how you get there is what's really important. Celebrating your successes will help keep you motivated and hungry as you continue to climb the crucible. Like breeds like, right?
5. 
   5
   Listen to your internal dialogue. What you are saying inside affects you physically, emotionally and mentally. Is your defense system inside trying to make you stick to your past, limiting beliefs and perceptions? Take over and challenge your inner critics. Monitor any excuses you might be making as they relate to your goal. For example, saying, "I don't finish work until 8 PM and won't have time to cook!" ends up being an excuse. You must recognize that if you are truly passionate about your goal, it is up to you to make time to accomplish it.
6. 
   6
   Be passionate. Striving toward a goal without passion is like a fire which slowly runs out of fuel to burn. Get excited; you don't always have to be in love what you are doing, especially if fulfilling the goal is a hassle and reaching the goal is the fun part. But you should always be able to pinpoint the underlying passion that drove you to start meeting the goal in the first place.
   • Methodically check your behaviors against impassioned dreams developed as a child. Always share the child within amongst your potential peers. This empowers the Law of Attraction that shapes the dreams of the child into the creative force of the adult.
7. 
   7
   Revisit, evaluate, and if necessary, adjust your goals. Keep a written record of your goals in a place where you'll remember to read them every day. They'll change and adjust over time as your life does, so keep them up-to-date.
8. 
   8
   Make contingency plans. Never forget about the problems that might come up on the way, and prepare for them. Positive thinking is important, but preparedness is better than being shocked or devastated when obstacles appear.
   • Know that some setbacks will naturally occur. Don't expect a truly smooth ride — life will always find a way to throw a wrench into your plans. How you respond to that wrench is what defines you.
9. 
   9
   Consider new opportunities and options that come your way. Sometimes, things have a way of unintentionally leading you exactly where you want to go. Say you're trying to lose weight, and find that you're actually really good at cooking healthy meals. Why not pursue being a chef, with the emphasis of teaching others how to cook quick and healthy meals?
10. 
    10
    Persevere. Now that you have the momentum going, don't let it stop! Some steps may seem less exciting than others seem, but make sure to stick to your plan until the end! Avoid distractions and stay focused. Imagine how meaningful your goal is going to be when you can safely say you've achieved it!

 

Edited by James Quirk, Krystle, Travis Derouin, Krystle C. and 93 others

Three Parts:Setting GoalsGetting StartedAccomplishing Your Goal

Everyone has dreams. Whether they are big or small, they have vast importance in our lives. The procrastinator in all of us doesn't have to win. The Little Engine That Could was on to something with the whole "I think I can" mentality. With just a little bit of planning, accomplishing a goal is a simple task.

Part 1 of 3: Setting Goals

1. 1
   Start working toward your goals today. Ask yourself, "What can I do today to get one step ahead, however small, closer to achieving my goals?" Write it down and start now. Taking the first step is arguably the most important step. You'll establish some much-needed momentum. This will make quitting both personally disappointing and strategically harder. In the words of Eleanor Roosevelt, "Do one thing every day that scares you."
   
   
   Ad
2. 2
   When you set goals, think about setting SMART goals. SMART is an acronym and mnemonic that provides a framework for thinking about goals.^[1] Educators and coaches like to use this framework because it forces us to sit down and really design our goals intelligently so that they're ultimately easier to accomplish. SMART stands for:
   • S – Specific (or Significant).
   • M – Measurable (or Meaningful).
   • A – Attainable (or Action-Oriented).
   • R – Relevant (or Rewarding).
   • T – Time-bound (or Trackable).
3. 
   3
   In keeping with SMART, make sure your goal is specific and definable. A definable goal might be something like "I'd like to lose 20 pounds in three months" or "I'd like to win a Scrabble tournament." Specific, definable goals help you stay on track and let you know they're feasible.
   • An unspecific goal, like "I'd like to become a better human being" is so vague as to be practically useless. You could become a "better human being" by cleaning up the dishes or by solving world peace. See what we mean? Instead of thinking about really general goals, stay specific. After all, if you set yourself a goal of volunteering for Thanksgiving, there's a good chance you've become a better human being.
4. 
   4
   Make sure your goal is measurable. How will you know if your goal is accomplished? Will it be accomplished when you have a feeling, which can be unreliable, or will it be accomplished when a threshold is surpassed or a day takes place?
5. 5
   Ask yourself, "Is my goal attainable?" Is there an action involved in the goal? This step is less about making sure the goal is theoretically possible and more about making sure the goal is personally practical. Here's the difference between the two:
   • A theoretically possible goal could be getting to the moon. Yes, it's been done by a handful of humans, so it is technically possible. But how big are your chances of getting there? If it's your ultimate dream and you're an astronaut, maybe it's more in the realm of possibility. But for most of us, it's just not a practical goal.
   • A personally practical goal, instead of getting to the moon, would be to earn a paying job as an astronaut. Yes, it's very hard to be an astronaut and get paid for it, but it's a much more practical goal than getting to the moon.
6. 
   6
   Try to set a goal that is relevant or rewarding to you personally. Most people set goals that are inherently relevant to their personal needs and situations. People who are overlooked make goals to stand out. People who are overweight make goals to get trim. But every once in a while, people make goals that they aren't personally committed to, but which they think they should be. (Becoming a lawyer just because your dad is one.) Try not to do this.
   • One big regret people have at the end of their lives is not living true to their own ideal, focusing rather on others' expectations.^[2] Live a life true to yourself by setting goals that you actually care for.
7. 
   7
   Make sure your goal is time-bound. In other words, set yourself a deadline for meeting the goal. If you set yourself a deadline, your urgency increases monumentally. Without a deadline, you're just kind of along for the ride, paddling downstream, maddeningly unaware of where the finish line is.

Part 2 of 3: Getting Started

1. 
   1
   Break down your goal into chunks or pieces. Setting attainable but ambitious goals is a great thing. Lots of people want to lose weight, stop procrastinating, write a book, fall in love, travel the world, and play guitar.^[3] But all of these goals are pretty daunting taken alone. To make the accomplishment of the goal much easier, try to break down the goal into more manageable chunks.
   • Losing weight, for example, can be broken down into chunks lots of different ways. You can have a weight loss goal that you set — say 15 pounds — and just set incremental goals for yourself — losing 5 pounds three times. You could even break down the different component parts of losing weight — eating healthy, exercising, and controlling cravings — and set a goal for each of those.
2. 
   2
   Brainstorm ideas. Are there different ways to reach your goal? Write everything down that you can think of in three minutes, no matter how silly or impossible it may seem. For example, you could go to acting school, or maybe you could land a spot in a reality show that would get you started.
3. 
   3
   Visualize. Close your eyes and imagine yourself accomplishing your goals. Where are you? How did you get there? How do you feel? Do this often. Don’t get swayed easily with the noise and happenings going on outside. Put your attention on what you are trying to achieve. Remember the goal, and you will have control over the discomforts and difficulties. A good way to visualize is to practice self-hypnosis.
4. 4
   Read inspirational stories or quotes to help you get started. There's nothing quite like a warm kick in the pants from someone who knows what they're talking about. Reading about the struggles and successes of other people can be a huge motivator to get you going or a huge maintainer to keep morale high. Here are a couple for your pleasure as you continue to meet your goal:
   • "It had long since come to my attention that people of accomplishment rarely sat back and let things happen to them. They went out and happened to things."^[4] - Leonardo da Vinci
   • "Nothing in the world can take the place of Persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent. The slogan 'Press On' has solved and always will solve the problems of the human race."^[5] - Calvin Coolidge
   • "Nothing splendid was ever created in cold blood. Heat is required to forge anything. Every great accomplishment is the story of a flaming heart."^[6] - Arnold Glasow
5. 
   5
   Ask for guidance. No one can tell you exactly what you should do to achieve your goal, but one of the best sources for guidelines is to ask those who have done what you hope to achieve. Learn from the experience of others without trying to imitate them.
   • • A good source of help might be a mentor. A mentor is someone, usually older and more experienced, who knows the ropes and gets excited about the idea of helping someone else out. (That someone else is you.) Find established professionals, friends of family, or even colleagues who might serve as mentors, or who could point you to someone who might serve as a mentor.
     • If you're trying to become a jazz musician, for example, seek out a more established trumpet player and ask to learn from him or her. If you're thinking about becoming mayor, seek out past mayoral candidates — successful or otherwise — and try to learn from them. If you're just trying to come to terms with an abusive childhood, a psychologist can help you come to terms with some of your feelings.
   • 
     6
     Seek help. Find the information, skills and knowledge that you need from other people, books, and audio or video programs. Speed up your learning process by emulating what other successful people have done. You save time and get results faster.
   • 
     7
     Be positive. Always believe that you will achieve your goal. As soon as you stop believing, you have already failed.

   Part 3 of 3: Accomplishing Your Goal

6. 
   1
   Draw on all your past achievements that are relevant to your goal. No matter how small you perceive your achievements, list them anyway. It could be something small, such as joining a healthy eating mailing list, to coming home from work late, yet preparing a tasty nutritious meal for your family in under 30 minutes. Once you review your list, you will be amazed at how all those small achievements soon add up, and how much you are capable of doing.
7. 
   2
   Leverage the power of small wins. Bring to mind the small wins you have achieved in your life. Let them give you the feel and the motivation of a conqueror. Let these motivate you to set higher and hitherto unreachable goals, and the courage to achieve them. This will help you win many a battle in your life and ultimately the war.
8. 
   3
   Learn from mistakes. Making mistakes should be a subject at school to teach all children how to learn from them, instead of trying to avoid them. In the pursuit of a goal, you are likely to make some mistakes. Don't see them as bad or get angry. They are important to correct you and to lead you to success.
   • In fact, make as many mistakes as you can, and then try not to make the same mistake twice. Nothing teaches a lesson like a big fat mistake, whether it's acting buffoonish in front of a cute girl, thinking you can run a marathon after a night of inspired drinking, or asking for your job back after the new one fell through. As long as you internalize the lessons of your mistakes, keeping them in your psyche as you trudge along like a soldier to the battlefield, you'll win ultimately.
9. 
   4
   Celebrate benchmarks or milestones. A benchmark is something you can use to measure your progress and know you're on track. For example, after you've been featured in the Entertainment section of the newspaper or appear as a guest on "Oprah," stop to smell the roses. Life is about the journey, not the destination, and how you get there is what's really important. Celebrating your successes will help keep you motivated and hungry as you continue to climb the crucible. Like breeds like, right?
10. 
    5
    Listen to your internal dialogue. What you are saying inside affects you physically, emotionally and mentally. Is your defense system inside trying to make you stick to your past, limiting beliefs and perceptions? Take over and challenge your inner critics. Monitor any excuses you might be making as they relate to your goal. For example, saying, "I don't finish work until 8 PM and won't have time to cook!" ends up being an excuse. You must recognize that if you are truly passionate about your goal, it is up to you to make time to accomplish it.
11. 
    6
    Be passionate. Striving toward a goal without passion is like a fire which slowly runs out of fuel to burn. Get excited; you don't always have to be in love what you are doing, especially if fulfilling the goal is a hassle and reaching the goal is the fun part. But you should always be able to pinpoint the underlying passion that drove you to start meeting the goal in the first place.
    • Methodically check your behaviors against impassioned dreams developed as a child. Always share the child within amongst your potential peers. This empowers the Law of Attraction that shapes the dreams of the child into the creative force of the adult.
12. 
    7
    Revisit, evaluate, and if necessary, adjust your goals. Keep a written record of your goals in a place where you'll remember to read them every day. They'll change and adjust over time as your life does, so keep them up-to-date.
13. 
    8
    Make contingency plans. Never forget about the problems that might come up on the way, and prepare for them. Positive thinking is important, but preparedness is better than being shocked or devastated when obstacles appear.
    • Know that some setbacks will naturally occur. Don't expect a truly smooth ride — life will always find a way to throw a wrench into your plans. How you respond to that wrench is what defines you.
14. 
    9
    Consider new opportunities and options that come your way. Sometimes, things have a way of unintentionally leading you exactly where you want to go. Say you're trying to lose weight, and find that you're actually really good at cooking healthy meals. Why not pursue being a chef, with the emphasis of teaching others how to cook quick and healthy meals?
15. 
    10
    Persevere. Now that you have the momentum going, don't let it stop! Some steps may seem less exciting than others seem, but make sure to stick to your plan until the end! Avoid distractions and stay focused. Imagine how meaningful your goal is going to be when you can safely say you've achieved it!

Menunda Investasi

Re: Nunda Investasi

Thu Jun 19, 2014 3:50 am (PDT) . Posted by:

"Palansa" saifalah_2005

Mantap bos

2014-06-18 19:06 GMT+07:00 Dwika Sudrajat dwikasudrajat@yahoo.com
[elektro85] <elektro85@yahoogroups.com>:

Sangat penting untuk kita mulai melakukan perencanaan keuangan dan investasi dari sekarang, dan dilakukan dengan cara dan perhitungan yang benar.
I deliver happiness,
Dwika

Menunda Investasi? Jadi Miskin Lho..

oleh jonathan iwan

Masih banyak orang yang berpikir, sebenarnya butuh nggak ya layanan atau jasa seorang Perencana Keuangan? Banyak juga orang yang kemudian berpikir bahwa mereka merasa tidak memerlukan jasa Perencanaan Keuangan.

Sebagian dari mereka mungkin berpikir bahwa mereka telah memiliki rumah, harta warisan yang belum dibagikan, tabungan pensiun dari kantor, asuransi dari kantor, Jamsostek dan lain-lain. Akan tetapi apakah pernah terpikirkan oleh mereka apabila dana-dana tersebut benar-benar cukup untuk memenuhi kebutuhan keuangan mereka? Pernah nggak sih dilakukan perhitungan secara detil?

Sebagai contoh untuk tabungan dana pensiun.yang didapatkan dari kantor dengan model Dana Pensiun Pemberi Kerja (DPPK), Anda mungkin tidak pernah tahu berapa besar perhitungan dana pensiun yang akan diterima nantinya di masa pensiun (kecuali bisa dihitungkan).

Padahal apabila dihitung maksimum yang bisa diterima dari tabungan pensiun tersebut misalnya adalah sebesar Rp 5 juta per bulan, karena perhitungan maksimal Penghasilan Dasar Pensiun (PhDP) adalah sebesar Rp 5 juta per bulan apabila karyawan tersebut mendapatkan 100% dari formula tersebut, yang sudah barang tentu hanya akan didapatkan oleh top executive dari perusahaan.

Apa jadinya apabila mereka hanya seorang manajer menengah? Atau bahkan karyawan dan staff biasa saja.

Ini baru satu contoh saja dan kebetulan contohnya untuk investasi jangka panjang. Dan masih banyak rencana jangka panjang lainnya yang membutuhkan dana yang tidak sedikit.

Nah, bayangkan apabila dari awal Anda sudah salah dalam menempatkan dana anda. Sebagai contoh, dana pensiun yang diperlukan 20-30 tahun lagi Anda tempatkan ke tabungan yang hanya memberikan rata-rata 2-5% bunga per tahun.

Kesalahan ini fatal, karena dengan rata-rata inflasi yang tinggi sementara bunga tabungan dana pensiun yang rendah menyebabkan Anda mungkin tidak bisa mencapai target dana pensiun yang Anda inginkan. Semakin fatal ketika Anda baru mengetahui ketika sudah terlanjur atau telat, misalkan sudah berjalan 5, 10 atau bahkan 15 tahun kemudian.

Seperti yang telah kita ketahui bersama, investasi khususnya di produk keuangan/pasar modal membutuhkan waktu yang cukup panjang dan dilakukan secara rutin agar investasi kita bisa berkembang.

Semakin dekat jarak waktu investasi kita, maka semakin besar dana yang harus dicicil setiap bulannya. Itulah sebabnya sangat penting untuk kita mulai melakukan perencanaan keuangan dan investasi dari sekarang, dan dilakukan dengan cara dan perhitungan yang benar.

Di tulisan edisi berikutnya akan saya berikan contoh perbedaan nominal ketika kita terlambat atau menunda melakukan perencanaan keuangan dan investasi.

sumber : http://finance.detik.com/read/2013/05/28/071518/2257533/722/menunda-investasi-jadi-miskin-lho–1-?f991104topnews

Hidup Ini Adil

Re: Hidup Ini Adil

Tue Jun 10, 2014 6:46 am (PDT) . Posted by:

"pudja" pudjauk

Subhanallah...

Best regards,
Pudja
Sent from my iPhone

On 10 Jun 2014, at 20:40, "Dwika Sudrajat dwikasudrajat@yahoo.com [alumni_ftui]" <alumni_ftui@yahoogroups.com> wrote:

Hidup Ini Adil

Tue Jun 10, 2014 6:40 am (PDT) . Posted by:

"Dwika Sudrajat" dwikasudrajat

Mengapa seorang penyanyi dibayar mahal hanya untuk
menyanyikan beberapa buah lagu?.
Kita tidak melihat proses yang ia lalui
untuk menjadi/mencapai seperti itu.
Karena hanya melihat akhirnya saja, hidup ini kita rasakan tidak adil.
I Deliver Happiness,
Dwika

Smart Happiness: Apakah Hidup Ini Adil
By smartfm

Banyak orang beranggapan bahwa hidup ini tidak adil. Dalam fakta-fakta yang
terjadi disekitar kita, kita memang banyak melihat ketidakadilan,  orang jujur malah hancur, orang yang baik malah susah, sebaliknya orang yang
berbuat tidak baik malah sejahtera, dan orang yang beruat curang malah menang.

Beranggapan bahwa hidup tidak adil akan mengakibatkan ketidakbahagiaan. Hal itu bisa membuat
kita cenderung keluar dari lingkaran kebaikan. Kita tidak akan menemukan apa yang kita cari dalam hidup ini , yaitu kebahagiaan sejati.

Hidup ini adil, karena  diciptakan oleh Tuhan yang maha adil. Sedangkan dunia  bisa tidak adil, karena di dalam dunia bukan cuma Tuhan yang berperan tapi juga manusia.

Manusia sering tidak memahami hukum alam. Hukum alam adalah sesuatu yang pasti. Orang yang melakukan kebaikan akan mendapat kebaikan, begitu juga orang yang melakukan keburukan akan mendapat keburukan. Tapi kapan
terjadinya, ada time of respon, ada tenggat waktu, ada jarak.

Ada 4 faktor yang membuat munculnya anggapan bahwa hidup ini tidak adil:

1. Karena hanya melihat akhirnya saja.
Misalnya, kita mempertanyakan mengapa seorang penyanyi dibayar mahal hanya untuk
menyanyikan beberapa buah lagu?. Kita tidak melihat proses yang ia lalui
untuk menjadi/mencapai seperti itu. Kita hanya melihat hasil akhirnya
saja.

2. Karena tidak tahu apa yang sebenarnya terjadi, hanya melihat luarnya saja.
Misalnya, kita melihat rumah tangga seseorang sangat harmonis, padahal pasangan
tersebut sedang mencari cara agar tidak bercerai. Kita melihat keluarga
kerajaan hidup enak dan bahagia. Padahal belum tentu. Ingat Lady Diana,
ia menderita bulimia kaerna stres, hidupnya pun berakhir dengan tragis.

3. Karena hanya melihat apa yang terjadi di jangka pendek. Cerita belum selesai tapi kita sudah menyimpulkan.
Misalnya, kita menganggap orang yang korupsi jadi kaya, kalaupun dihukum ringan.
Cerita belum selesai. Jangan cepat-cepat menyimpulkan bahwa koruptor
itu sudah menjadi pememang. Walau selamat dari hukum manusia (formal
konsekuensi) , tapi sepanjang hidupnya dia akan melekat dipandang sebagai
koruptor.

4. Karena tidak bisa membedakan apa yang disebut "formal
konsekuensi" dengan "natural konsekuensi" . Formal konsukensi adalah
hukum dari manusia, sedangkan natural konsekunesi adalah hukum dari
alam.
Misalnya, karyawan yang berbuat curang tidak mendapat sanksi
dari atasannya, atau pasangan suami istri ada yang selingkuh tapi
didiamkan saja oleh pasangannya. Kita tidak melihat adanya formal
konsekuensi dalam contoh tersebut, tapi percayalah natural konsekuensi
akan terjadi karena ada  Tuhan disana.

Percayalah bahwa hidup ini adil, karena diciptakan oleh Tuhan yang maha adil. Dan
Tuhan melengkapinya dengan hukum alam. Bukalah hati dan pikiran untuk
melihat hukum alam tersebut.