Sabado Amaya Dominggo

Tuh pada tahu nggak artinya tittle di atas?

Sabtu besoknya hari minggu...Ini adalah bahasa Portugis, udah 6 bulan penuh perjuangan bekerja di Luanda, dan mayoritas penduduknya (malah semuanya ding!) berbahasa Nasional bahasa Portugis, mereka udah pada lupa bahasa nenek Moyangnya Afrika, bahkan kadang kelenger sampai bergaya seperti orang Eropa or Amerika asli.

Jadinya secara langsung gak langsung harus mulai juga belajar bahasa Portugis in pelan-pelan, bisa-bisa susah kalau nggak bisa bahasa penjajah ini.

Sebenarnya bukan itu sih yang bikin gua semangat belajar bahasa Portugis, bukan juga pergaulan, toh kita masih bisa ngomong bahasa Inggris, tapi yang bikin semangat menyala karena saya lihat seorang yang udah berumur, eh dia bisa banyak bahasa, dari Inggris, Jerman, mungkin Perancis, dan bentar lagi Portugis..(liatin buku-buku yang dia baca waktu nunggu jemputan ke kantor)...

Orangnya ramah, banyak senyum, dan kalau ngomongin apapun juga oke, tidak defensive...pokoknya tipikal orang yang berpegalaman dalam pergaulan dunia deh, dia sendiri asalnya dari Eropa, tapi saya lupa dari daerah mana...yang bikin hebat dia tuh Geophysics yang seharusnya jadi profesi gua...tapi berhubung gak punya pengalaman yang cukup di bidang geophysic jadinya lari bidang hehehehe...asalkan ditekunin semua bidang juga akan kita kuasai sebaik mungkin toh.

2 minggu lagi waktu untuk off, harus bikin planning buat main sama Shafa dan Bunda, biar waktu off benar-benar bisa dimanfaatkan sebaik mungkin buat keluarga, sambil jalan-jalan juga dan lihat-lihat peluang bisnis yang ada di Indonesia, udah ketemu sih beberapa ide-ide dan prospek yang bagus untuk dijalankan, sekarang lagi nyari siapa yang bisa dipercaya buat ngejalaninya itu.....

Nunggu Aulia lulus kelamaan kayaknya, Dek Ani sibuk kuliah, Bunda ayah fokuskan pada ngejar PTT sama Spesialis, Dek Na masih terlalu kecil, heemmm....siapa ya.

Maunya sih ikutan bisnis sama B'Di, tapi ya itu deh, tahapan dia sudah kelas kakap jadi susah kalau diajak bisnis kecil-kecilan lagi, mungkin beberapa tahun lagi baru bisa join sama B'di..tapi who knows...mungkin kita yang malah akan melesat lebih cepat, karena hidup ini entah apa yang terjadi esok adalah ketentuan Tuhan dan kita hanya berusaha semaksimal mungkin.

Udah sore saat ini, kira-kira jam 10 malam di indonesia saat ini, kerjaan utama udah berhasil di jalankan dengan baik, hari mindahin reel coil 1 3/4 inch terus masukin reel untuk spool 2" dari desert Angola, ternyata ada gurun pasir juga disini, pantasan panas banget rasanya.

Kerja disini emang agak lain dari tempat yang lain, untuk forklift dan crane akan membutuhkan waktu yang lama untuk order dan gak akan datang tepat waktu, dijamin dech...

Oh Angola...Oh Indonesia....

See you my friends

Azan

Assalamualaikum,

Hari ini Bunda dan Shafa resmi pindah kontrakan baru, setelah beberapa bulan terdampar di tempat seorang kawan, akhirnya bisa mendapatkan kontrakan yang bagus, mudah-mudahan bunda dan shafa nyaman tinggal disana, jadi pingen off cepat-cepat biar bisa gabung bareng mereka di Yogyakarta.

Tadi waktu Bunda nelpon senyap-senyap terdengar suara azan yang menyenangkan sekali, udah hampir sebulan gak dengerin suara azan secara langsung, iya dikarenakan kerja yang terlalu jauh dari peradaban Islam di Angola, kayaknya perkembangan Islam di Angola ini emang agak sereut dibandingkan negara-negara lainnya di Benua Afrika sini, berbanding terbalik dengan perkembangan Kristen, sudah bermacam-macam gereja berdiri disini.

Sesampainya di Indonesia, perlu refreshing ke Masjid-masjid di Yogya sana, sekalian wisata spiritual lah mendekatkan diri dengan jamaah Islam di Yogyakarta.

Trip berikutnya juga harus beli lagi buku-buku yang bermutu, terbukti semua buku yang dibawa dari Indonesia habis terbaca, minimal sekilas habis dibandingkan saat berada di Indonesia sana.

Angola di hari Jumat

Be Happy

Ever face the problem every day?do you ever know that the problem we faces will never stop. So?What can we do now?

Make your heart like a great river, like an ocean, waht ever you put inside, it will never change you....ever 10 thousand of Pirate's Brigates, you still can hold them...and off course face your daily problem with happiness because you have been choosen as a hero that will resolve the problems.

Iya kawan, ada cerita yang saya dapatkan dari internet di suatu saat, yaitu apabila kita minum segelas air yang telah ditaburkan garam kedalamnya, maka akan terasa asin sekali, tapi coba taburkan ke sebuah sungai, airnya akan tetap terasa segar toh, tapi jangan sungai-sungai di Jakarta ya, habis udah kepenuhan sampah....hemmm..Emang sangat diperlukan banget kepedulian terhadap sampah yang kita hasilkan..lain topik maybe next time...

Tetap berusaha dan salam Amphibie!

Luanda, 24 April 2007

Hem, another day as a worker comes...but however, today is the day we have to submit expenses as daily allowances to finance, mid day is the border time...

Success hari ini merambah google adsense, masih ada yang belon tahu??google adsense adalah sarana buat pemain di internet nyari duit lewat iklan yang di tampilkan lewat website kita, semakin banyak orang yang tertarik untuk meng click iklannya itu, maka makin besar kesempatan untuk mendapatkan penghasilan tambahan, ini dia passive income yang kata orang-orang MLM alias Multi Level Marketing selalu agung-agungkan itu...sampai hari ini saya gak percaya lagi sama MLM, nanti akan saya coba tuliskan alasan-alasan saya tidak percaya lagi sama Passive Incomenya MLM itu.

Tentu banyak kontroversi, tapi anda harus punya pendirian sendiri, harus punya pengalaman sendiri, dan objektif tentunya..

Ngomongin tentang daily allowance lagi nich...ya lumayan banget dapat uang harian disini, asal tahu aja sekali makan bisa ngorek kantong sebanyak 7-10 dolar di Luanda sini, padahal negeri Afrika, gak tahunya malah makanan mahal-mahal ampun deh.

Kalau penghasilan segini, tinggalnya di Indonesia..wah..wah bakalan enak banget..hep jangan mimpi dulu, tentang ini juga ada pembicaraan sendiri lho, biasanya dengan meningkatnya pendapatan seseorang amak meningkat pula pengeluarannya...padahal ini seharusnya gak terjadi kalau kita punya planning financial yang baik ataupun punya usaha sendiri yang terus berputar...

Kita bahas lain kali ya, habis masih harus kerja dan ngantuk banget gara-gara main game, iya kerasa banget kalau waktu untuk main game aja sekarang kekuras habis...kerja...kerja...kapankah aku bisa berhenti bekerja untuk kepentingan orang lain???!

The 10-Step Debt Elimination System by George Allan

Simplest systems are generally the best. This adage applies to debt elimination too. Over the years, I have evaluated many systems. Let me introduce you the best one...

The Simple, yet Effective, Idiot proof, Iron Clad, No Holds Barred, Debt Elimination system, Devoid Of Any Fine Print

Just take the following steps…. Your goal of debt elimination will be achieved….

1. Check the recorded expenses for the last 12 months. One year is a sufficient period for checking personal experience. Check all recorded expenses, bank statements, cancelled checks, credit card statements, or whatever other record you have. For cash expenses, carry a small notebook with you for few weeks and note down all expenses, however minor it may seem to be. At the end of the day, you will be amazed to see molehill becoming a mountain. I have gone through this. It is a pain really.

2. Find out the total monthly expense, by dividing the recorded expenses by 12 and adding the cash expenses adjusted for a month.

3. Make a list of your debts. Do not forget to include mortgage. Call your creditor if you do not have information handy. (However, it pays to keep the information handy)

4. Make a list of minimum payments on your debts that you have to make every month. Assume that the total comes to $2000 every month.

5. Find out debt remaining repayment period assuming minimum installment every month.

6. Rank your debts on the number of months for repayment in ascending order. That means, the debt with smallest number months remaining for repayment, is the first number. Go on until the last debt.

7. Make a priority list of for repayment of your debts. Your highest priority debt should the one that you can pay off in the minimum number of months. Your lowest priority debt is the one that will take you the maximum number of months. Perhaps this will probably be your mortgage on home.

8. In step No. 4 you have calculated your minimum repayment as $2000. Make up your mind to increase this by 10%.

9. To have an additional $200 for repayment, reduce $200 from your expenses, and reserve it for additional debt repayment. Think of all the possible ways to do this. Make a determined effort and most likely to will exceed your target of $200.

10. Use this additional $200 for repayment of first priority debt. If you were paying $100 previously, now you will be paying $300. This $300 will have a cascading effect on your repayment as soon as the first debt is paid off. You will now have $300 additional for repayment in place of $200 that you had from your savings
This way you will be debt free in few years. The beauty of this system is that came from just $200 that you have saved in years of your resolve to be debt free. When you have paid off the final debt, you will find that you have a much larger amount in hand to spend than your original $200 a month that you saved initially from your expenses. The cascading effect of your saving $200 will be evident in coming years.
Not only will you be just debt free in few years, but also will have a built a substantial base on which to build up your dreams. All this for just$200 per month of your initial saving efforts.

Ngerti nggak sih apa yang ditulisin tuh!hem...

Pay Off Your Debt or Invest?

From Joshua Kennon,Your Guide to Investing for Beginners.

Simple math leads to a simple answer

Maybe it was the financial planner on CNBC, a casual conversation with a friend, or just the small voice inside, but something has caused you to keep asking yourself the same thing: should I pay off my debt or start investing? This question, perhaps more than any other, has plagued investors for generations. Ironically, it is one that can be easily decided by using a bit of simple math.
Whether it's a mortgage, car loan, student loan, credit card, or medical bills, you probably have some amount of debt in your life. It is only natural that you want to pay it off as soon as possible. On the other hand, it is understandable that you want to start putting money away for your retirement or some other important milestone in your life.
Since there is only so much cash to go around, a decision normally has to be made between the two, neither of which leaves a person feeling completely satisfied.

What should you do? The answer depends on two variables:
1. The rate of after-tax interest you are paying on your debt
2. The after-tax rate of return you expect to earn on your investments

Before you answer the first question, you must understand that there are two different kinds of debt. On one end of the spectrum is high-interest credit card debt that originates from things such as credit cards and department store charge accounts. This type is the deadliest and generally should be avoided unless absolutely necessary. The second type of debt is the lower interest variety; your mortgage, student loans, etc. Often, the interest on these types is partially or wholly tax-deductible, making it even more attractive.
With that in mind, the answer to the debt reduction vs. investing problem can be solved with this one statement: If you can earn a higher after-tax return on your investments than the after-tax interest rate expense on your debt, you should invest. Otherwise, you should pay off your balance.


Example of debt reduction vs. investing calculation

Scenario 1 Assume you have a thirty year, $150,000 mortgage with a six percent rate. Also assume you are in the 25% tax bracket. Due to the itemized deduction of mortgage interest, your after tax annual percentage rate is really 4.02% (not the 6.00% you are paying). Hence, if you expect to earn an after-tax return higher than 4.02% on your investments (odds are substantial you will if you have a long-term horizon), then you should invest. To discover how much of your mortgage interest expense you can deduct.

Scenario 2You have a $10,000 balance on a credit card with a 22% annual percentage rate. Credit card interest expense is not tax deductible, meaning you should only invest if you think you can earn a 22% after tax return on your investments. Given that the historical long-term return on equities has been somewhere around 11-12%, this seems highly unlikely. In this case, it would be foolish to invest.

The bottom line
Although you may be eager to invest, you need to do what is best for your bottom line. Regardless of which is the wiser course of action at this stage in your life, the ultimate goal should be to have no debt and an abundance of great, lucrative investments. With enough patience and hard work, this is a goal that you can, and will, attain.

Work Smart

Hard Worker, two words that affected millions people over the world? for hundred of years? Now these 2 words will be less famous as new two terms come from somewhere " Work Smart"....

Yes, work smart make your job could be finish faster and more efficient...

But how? Here are some ideas that I can share to you, but don't hope too much if you practice it oftenly and it's still not working, than this is your bad luck Hehehe...

1. Do it now, do all your job in your convenience time that's is now, don't do it later on, because if you postpone it, than there will be chance that you never finish it and postpone it more and more

2. Do it right in the first time, It's mean you have to take enough time to think and plan waht you have to do accordingly, than you will get it will be done right at the first time, you don't want to repeat the same things because not organize it well, isn't it?

3. Do with your heart, every jobs you do, do it with good feeling, no need to take a rush or being angry because that is not supposed to be your job, angry can't solve the problem, it makes your jobs become harder.

That's all now....to be continued...

If Days OFF

Days off??still 3 more weeks to go. Kalau udah ngebayangin Days off wah kayaknya pingen ngelakuin apapun selama liburan bersama keluarga.
Tapi tahu nggak sih, ternyata setelah tiba di hari pertama liburan, kebanyakan tidurnya alias kayaknya letih banget, perlu supplemen tambahan yang banyak untuk mengembalikan stamina yang ngedrop habis selama di Pesawat..

GImana nggak, Dari Luanda-Angola to Johanessburg aja butuh waktu 3 jam, plus entar maju jamnya 1 jam, terus semalam di airport makin pusing kan?! besoknya nyambung Johanessburg-Singapore 11 hours bo!
Gak tahu deh udah tiga trip ini ke Luanda, kok bisa ya tahan duduk di pesawat, mungkin karena hasrat ingin ketemu anak dan istri tercinta yang pasti udah nungguin, total di Jalanan sampai 3 hari, belon lagi nyambung dari Jakarta ke Yogya, wuih.....lumayan panjang perjalanannya.

Kalau di pesawat, gak banyak yang bisa dilakuin, paling watching movies yang disediain, makan sekedarnya, and bobo terus sampai pagi menjelang.

Dan ternyata...kalau tiba di Indonesia rasanya senang banget dengerin orang-orang pada ngobrol bahasa Indonesia, tapi belakangan udah agak berkurang kangennya, karena sudah ada beberapa rekan-rekan dari Indonesia juga di Luanda ini.

Enterpreuner

Be an enterpreuneur recently become my favourite topics, everytime I spend 1 or 2 hours to check on the web about financial, business opportunities, franchise. Let say All the related world that I can reach.

This kind of profession has motivate me to do something different in live. At leat I have realized that I will not work until my aged old, there suppose to be a time for me to keep free on what I want to do and when is it?

There will be time for us to be the manager for our own company, just prepare small steps everyday and have a review on it, as a young man, we still have much energy to think more and creative.

My friends, when the times come, we should be ready!

Action and action......

Financial

Pernah Bertengkar sama Istri gara-gara uang??
Heem, kayaknya persoalan yang satu ini jadi permasalahan yang cukup umum di negeri kita...

Pernah dengar tentang tips dan trik memanfaatkan pendapatan bulanan biar gak tekor di akhir bulan??
Ini saya bagi beberapa pengalaman hasil-hasil baca2 di internet:

1. Rumus 20 30 30 20, artinya 20% Gajian anda, manfaatkan untuk bayar kos atau kontrakan rumah, 30% untuk biaya hidup seharo-hari, 30% untuk ngelunasin hutang-hutang, termasuk kartu kredi yang mencekik leher bunganya, 20% lagi gunakan untuk liburan, ngeceng di Ulee Kareng, Shopping di Mall, bagi-bagi buat teman dan kerabat...

2. Rumus akumulasi kekayaan, katanya seharusnya kita memiliki jumlah kekayaan sebesar 10% x umur x Pendapatan pertahun!...Gak usah di coba deh, saya yakin pasti banyak rekan-rekan yang belon mampu mengakumulasi pendapatan sebesar itu hehehe....eits saya juga belon lho, tenang masih ada waktu

3. 10% dari Gaji setelah kena pajak di awal bulan harus segera anda setor untuk di tabung lho, janganpakai tabungan Bank, karena selain haram, bunganya juga kecil, kalah sama laju inflasi bangsa ini...jadi manfaatkan produk lainnya.

4. Apa gak takut kalau yang karyawan swasta dipecat atau karena suatu hal harus berhenti kerja??Nah Lho, mangkanya simpan tuh dana darurat untuk hidup selama 3-6 bulan ke depan, sebelum bisa dapatkan kerja lagi...

Pengalaman pribadi nih kemaren waktu keluar dari Middle East, ee malah gak nyiapin dana darurat ini, padahal keberangkatan di perusahaan yang baru juga di delay 2 bulanan...wah..wah kacau kan ekonomi keluarga, belon lagi cicilan yang seabrek-abrek banyaknya, dari kartu kredit, cicilan KPR, motor, untung juga belon kredit mobil hehehehe...

STOP BERHUTANG SEKARANG JUGA!!!

Keluarga

Ngomongin masalah kelurga, bagi yang belon nikah tentu akan langsung tertuju pada Ibu, Ayah, Adik, Abang, Kakak, Tante....
sedangkan yang baru nikahk, kalau ditanya keluarga, maka langsung tertuju istri dan anak, baru orang tua, harusnya tetap orang tua baru istri dan anak ya, mungkin win-win solutionnya tergantung situasi dan kondisi (setuju kan?)

Pernah nggak teman-teman sekalian mikirin gimana seandainya orang-orang yang kita cintai itu tiba-tiba hilang dari peredaran, atau mungkin pernah termimpi ketika mereka meninggal dunia.......?
Hal ini pernah saya alami, bahkan sampai terduduk nangis dalam mimpi, dan disaat terkejut aliran air mata masih gak bisa berhenti malah semakin menjadi-jadi..
Teringat segala pengabdian mereka kepada kita (terutama kedua orang tua), gimana beratnya menjalani kehidupan dengan tanggung jawab yang begitu besar...Teringat belon ada pengabdian yang terbalaskan..Subhanallah.

Keadaan ini sekarang balik kita yang rasa, keluarga yang baru 2-3 tahun menikah, dengan seorang putra or putri yang lagi lucu-lucunya, gimana saat kita harus kalang-kabut di tengah malam cari obat dan dokter, dan membawanya ke unit gawat darurat (tapi kok perawatnya santai-santai aja ya?), kegelisahan yang semakin menjadi saat demamnya tinggi, bahkan untuk dia terjatuhpun kita akan merasa takut akan lecet dan luka di tubuhnya......Ah, betapa pengorbanan orang tua sungguh luar biasa.

Keluarga menajdi suatu semangat dalam mengarungi hidup ini, disaat kelelahan yang amat sangat setelah bekerja, di saat bermandikan peluh (bukan klise nih, cerita beneran!), disaat tekanan kerjaan yang memberatkan fisik dan mental,..Keluargalah yang mampu membuat kita bertahan, ya, rasa tanggung jawab itu yang membuat kita bertahan.....

I wish I always with you 2...