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Resume Materi Perencanaan Keuangan

  # Siklus Kehidupan Manusia Dari segi manusia, ada masa saat ini dan masa yang akan datang. Masa saat ini dia masih muda, masa nanti ia akan menua.  Kita juga akan menghadapi sesuatu yang pasti dan yang tidak pasti (uncertainty/unexpected).  Ada masa seseorang produktif untuk menghasilkan uang dan ada masa ia tidak produktif secara keuangan.  Kejadian yang pasti adalah ia pernah dilahirkan, menua, dan meninggal.  Kejadian yang tidak pasti adalah meninggal sebelum tua/meninggal dini, hidup terlalu lama atau sampai tua tidak meninggal, menderita sakit/cacat yang berkepanjangan sehingga ia tidak bisa mencari pendapatan. Dampak terhadap keuangan keluarga akan sangat berat.  Pencari nafkah yang meninggal dini menyebabkan keluarga kesulitan mencari pendapatan.  Hidup terlalu lama menghabiskan banyak uang Jika sakit,  ia akan menghabiskan seluruh sisa tabungannya untuk biaya perawatan. Sedangkan cacat, ia tidak bisa bekerja untuk menghasilkan uang. Masa...

Backing Up

     B acking up refers to creating an extra copy, or extra copies, of data (that may consist of data, programs, or other computer files) in case the original is damaged, lost, or destroyed.  Sadly, many people believe that they back up all their data only to find out when something goes wrong that they do not have proper backups. Don’t let that happen to you. Be sure to back up on a regular basis — often enough that if you had to restore from a backup, you would not panic. In general, if you’re in doubt as to whether or not you are backing up often enough, you aren’t.  Do not think of backups as being there for you if you ever lose data. Think of them being there for you when you lose data. At some point, essentially every person who uses electronic devices on a regular basis will lose data. Third Party Backup  If you store any data in the cloud or use a third-party service to host any of your systems or data, the party that owns the physical and/or...

Landasan dalam Memilih Istri

                        Tulisan ini saya kutip dari buku " Mahkota Pengantin " karangan Majdi bin Manshur bin Sayyid asy-Syuri. Syarat pertama dan terpenting yang harus ada ada calon istri adalah agama , sebagaimana firman-Nya: Juga berdasarkan firman-Nya:           Jika seorang wanita memiliki ketaatan beragama , maka Anda bisa berharap kebaikan darinya . Tanda awal ketaatan beragama seorang wanita adalah shalat, dan shalat ini adalah komunikasi antara hamba dengan Rabb-Nya. Jika ia memiliki komunikasi yang baik antara dirinya dengan Rabb-Nya, maka Anda bisa berharap darinya akan terjadi komunikasi yang baik anatara diri Anda dengannya-dan Allah memilki sifat yang Maha Tinggi. Sementara wanita yang telah melalaikan urusan dan hak Rabb-Nya, maka ia tidak merasa berdosa bila melalaikan urusan dan hak suaminya. Siapa yang ridha istrinya melalaikan urusan dan kewajiban yang di ...
The best thing about tonight's that we're not fighting Could it be that we have been this way before I know you don't think that I am trying I know you're wearing thin down to the core But hold your breath Because tonight will be the night that I will fall for you Over again Don't make me change my mind Or I won't live to see another day I swear it's true Because a girl like you is impossible to find You're impossible to find This is not what I intended I always swore to you I'd never fall apart You always thought that I was stronger I may have failed But I have loved you from the start Oh But hold your breath Because tonight will be the night that I will fall for you Over again Don't make me change my mind Or I won't live to see another day I swear it's true Because a girl like you is impossible to find It's impossible So breathe in so deep Breathe me in I'm yours to keep And hold onto your words 'Cause talk is cheap And rem...

Secondhand Serenade - Broken

In the moonlight Your face it glows Like a thousand diamonds I suppose And your hair flows like The ocean breeze Not a million fights Could make me hate you You're invincible Yeah, It's true It's in your eyes Where I find peace Is it broken? Can we work it out? Let's light up the town, scream out loud! Is it broken? Can we work it out? I can see in your eyes You're ready to break Don't look away. So here we are now In a place where The sun blended With the ocean thin. So thin, we stand Across from each other Together we'll wonder If we will last these days If I asked you to stay Would you tell me You would be mine? And time Is all I ask for Time I just need one more day And time You've been crying too long Time And your tears wrote this song Stay In the moonlight Your face it glows Is it broken? Can we work it out? Let's light up the town, scream out loud! Is it broken? Can we work it out? I can see...

Adele - Someone Like You

I heard that you're settled down That you found a girl and you're married now I heard that your dreams came true Guess she gave you things I didn't give to you Old friend, why are you so shy? Ain't like you to hold back or hide from the light I hate to turn up out of the blue, uninvited But I couldn't stay away, I couldn't fight it I had hoped you'd see my face and that you'd be reminded That for me, it isn't over Never mind, I'll find someone like you I wish nothing but the best for you, too Don't forget me, I begged, I remember you said Sometimes it lasts in love, but sometimes it hurts instead Sometimes it lasts in love, but sometimes it hurts instead You know how the time flies Only yesterday was the time of our lives We were born and raised in a summer haze Bound by the surprise of our glory days I hate to turn up out of the blue, uninvited But I couldn't stay away, I couldn't fight it I had hoped you'd see my face and that y...

Avril Lavigne - When You're Gone

I always needed time on my own I never thought I'd need you there when Icry And the days feel like years when I'm alone And the bed where you lie is made up on your side When you walk away I count the steps that you take Do you see how much I need you right now? When you're gone The pieces of my heart are missing you When you're gone The face I came to know is missing too When you're gone The words I need to hear to always get methrough The day and make it ok I miss you I've never felt this way before Everything that I do reminds me of you And the clothes you left, they lie on the floor And they smell just like you, I love the things that you do When you walk away I count the steps that you take Do you see how much I need you right now? When you're gone The pieces of my heart are missing you And when you're gone The face I came to know is missing too And when you're gone The words I need to hear to always get methrough The day and make it ok I miss y...