GRATIS DOWNLOAD BUKU 7 KEAJAIBAN REZEKI

Judul : 7 Keajaiban Rezeki
Pengarang : Ippho Santosa
Bahasa : Indonesia
Jumlah halaman : 155
Format : Pdf
File size : 12 MB

GRATIS DOWNLOAD BUGRATIS DOWNLOAD BUKU 7 KEAJAIBAN REZEKI KU 7 KEAJAIBAN REZEKI

Hadirnya Ebook 7 Keajaiban Rezeki dalam blog ini merupakan hasil request dari salah satu pengunjung blog ini. Karena memang kebetulan link downloadnya ada maka saya share ebook ini gratis kepada anda semua (khususnya kepada yang request ebook ini dan tentu saja kepada anda semua yang ingin memiliki rezeki yang berlimpah dalam hidup).

Dalam ebook ini, Ippho Santosa, seorang pakar otak kanan dan juga penulis buku bestseller(13 wasiat terlarang, 10 Jurus Terlarang, Marketing Is Bullshit dan Percepatan Rezeki dalam 40 hari dengan Otak Kanan) memberi motivasi/informasi berharga kepada kita bagaimana cara meraih kesuksesan dengan lebih cepat dengan pendekatan otak kanan dan sentuhan-sentuhan islam, entah itu untuk keuangan, kesehatan, hubungan, jodoh, karier, pekerjaan, bisnis, atau apa saja. Penasaran apa saja yang diajarkan dalam ebook ini? Berikut ini adalah beberapa pelajaran yang akan anda dapatkan dari Ebook 7 Keajaiban Rezeki :
• Mengasah otak kanan, kreativitas, imajinasi, dan intuisi
• Mengambil keputusan 1.000 kali lebih cepat, dengan otak kanan
• Mengendalikan Law of Attraction dan nasib, dengan otak kanan
• Melipatgandakan pengaruh dan go national 10 tahun lebih awal
• Menjual lebih banyak, lebih cepat, dan lebih mahal
• Memahami 19 amal yang melipatgandakan rezeki
• Menguasai pintu-pintu rezeki, dengan otak kanan
Dan ini adalah daftar isi dari Ebook 7 Keajaiban Rezeki:
1. Sidik Jari Kemenangan (Lingkar Diri)
2. Sepasang Bidadari (Lingkar Keluarga)
3. Golongan Kanan (Lingkar Diri)
4. Simpul Pedagang (Lingkar Sesama)
5. Perisai Langit (Lingkar Diri)
6. Pembela Abadi (Lingkar Diri)
7. Pelangi Ikhtiar (Lingkar Diri)

BAGI YANG INGIN MEMBACA DAN MENGOLEKSI 7 KEAJAIBAN REZEKI,
KLIK GRATIS LINK NYA DI SINI
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Berikut adalah TESTIMONI buku ini, dikutip dari berbagai sumber :

Dari Mekkah ke Jeddah, dari Jeddah ke Mekkah, ditemani buku 7 Keajaiban Rezeki. Subhanallah! Buaaagus!
- Ust. Yusuf Mansur, Wisata Hati

Ternyata otak kanan mengubah cara pandang kita. Give first, listen first. Salut utk Mas Ippho. Saya banyak belajar dari buku ini. Semoga bertambah lagi pengusaha yang belajar dari buku ini dan menggunakan otak kanannya.
- Sandiaga Uno, Salah Satu Orang Terkaya di Indonesia

Setelah baca buku 7 Keajaiban Rezeki, saya praktekin, saya naikin dosisnya. Wah, tambah cespleng! Paginya praktek, sorenya langsung cair!
- Kusnadi Ikwani, Pemilik Belasan Outlet Ayam Pakuan

Saya SMS teman-teman tentang buku ini, terutama tentang halaman 44 dan 98. Sebagian saya belikan buku ini. Tahu-tahu malamnya saya dapat rezeki nomplok Rp 150 juta! Tunai! Subhanallah, betul-betul dahsyat otak kanan!
- H. Musa, SH, MH, PNS, Pekanbaru

Selesai bikin seminar 7 Keajaiban Rezeki untuk kader-kader PKS se-Bali, paginya saya dapat tiga rezeki besar yang tidak disangka-sangka! Dapat ide efisiensi senilai puluhan juta, dapat bisnis air senilai ratusan juta, dan dapat lahan belasan hektar! Kalau dirupiahkan, itu semua nilainya belasan miliar!”
- Eka Setiawan Karim, Pengusaha Properti, Denpasar

Ajaib! Setelah membagi-bagikan buku ini, saya dapat mobil Xenia 2009!
- Citra Kamal, Pemilik Apotik Bunda, Bogor

Siapa sangka, hanya dengan sedikit sedekah, SMS tentang buku ini, dan meminjamkannya, eh Habib dikasih mobil!
- Habib, Medan

Alhamdulillah, dengan membaca buku ini, saya dapat rumah gratis dan kebun kelapa sawit gratis!
- Johan Iskandar, Lampung Tengah

Setelah baca, saya langsung jadi dealer utama mobil Estilo se-Bangka-Belitung dan langsung laku 2 unit dalam 3 hari! Subhanallah!
- Zarril, Sungai Liat, Bangka

Cuma 5 huruf, ajaib! Buku ini merupakan jawaban dari doa saya selama ini. Setelah saya khatamkan dan saya praktekkan, saya seperti menemukan mata air rezeki yang terus-menerus dan tidak disangka-sangka!
- Baron Mahadewa, Jutawan & Mentor EU Paling Edan

Dua hari setelah ikut seminarnya, permohonan KPR saya senilai setengah miliar langsung disetujui! Padahal sebelumnya, sudah tiga bulan tidak pernah disetujui. Sekarang buku 7 Keajaiban Rezeki sedang mutar di keluarga.
- Among Kurnia Ebo, Mentor EU, Jogjakarta

Waktu mau beli rumah, saya disuruh bayar DP Rp 45 juta. Begitu saya terapkan salah satu keajaiban di buku ini, tahu-tahu kemudian saya ditelepon developer dan disuruh bayar DP cuma Rp 5 juta! Allahu Akbar!
- Reka Yusmara, Jawa Pos Group, Surabaya

Sebelumnya, omzet bisnis saya cuma ratusan juta per bulan. Begitu menerapkan Perisai Langit, hanya dalam hitungan bulan, omzet tembus 5 sampai 10 miliar per bulan! Kemudian saya rutin bersedekah 10 persen dari profit kotor. Sekarang alhamdulillah saya punya bisnis macam-macam, mulai dari truk, ekpedisi kapal, alat berat, tambak ikan, sampai perumahan.
- Zulfadli Assegaff, Owner www.MantapMuliaBersaudara.com

Dulu saya sempat ngojek dan kerja serabutan. Demi Sepasang Bidadari, saya pun kerja borongan. Ternyata hanya dengan bekerja 5 jam, hasilnya bisa memberangkatkan haji untuk 3 orang, yaitu saya, istri saya, dan ibu saya! Pernah juga saya membeli mobil hanya dengan Rp 5 juta! Ajaib! Sekarang alhamdulillah saya punya 7 rumah dan mengantarkan cabang saya menjadi cabang terbaik se-Indonesia!
- Suyanto, Cluster Coordinator PNM Kalsel-Kalteng & Owner www.SumberKubah.com

Saya sudah punya lima buku karya Bung Ippho. Mei tahun 2010 ananda saya, Vega, menghadiahkan buku 7 Keajaiban Rejeki. Semua anjuran di buku tersebut kami tingkatkan. Sungguh menakjuuuuuubkan! Juni dan Juli ini, alhamdulillah, Galang Saudi berhasil melayani 696 orang jemaah umrah! Benar-benar angka yang fantastis! Saya pun menghadiahkan buku ini ke kenalan-kenalan saya. Sampai-sampai saya kirim ke Boston, Amerika!
- Onyai Chas (Rina Chas), Pemilik Galang Saudi, Domisili di Mekkah

Alhamdulillah, ternyata di generasi saya ada yang mendapat hidayah. Insya Allah, bagi siapa saja yang mau menerapkan isi buku ini akan mendapatkan berkah dan rezeki yang buuesaaar buuangeeet! Sayalah buktinya!
- Werkudoro Amin, Direktur, Palembang

Tidak sampai 99 hari setelah mengikuti seminar 7 Keajaiban Rezeki, keajaiban pun terjadi! Alhamdulillah, omzet Juli 2010 tembus Rp 2,9 miliar!
- Syaifur, Konsultan Properti, Rumah 19, Pontianak

Mas, terima kasih atas inspirasi, motivasi, dan ketulusannya. Setelah menerapkan 7 Keajaiban Rezeki, saya mampu menunaikan zakat harta 5 kali lipat daripada tahun yang lalu! Pelipatgandaan rezeki! Dan banyak sekali kebahagiaan yang saya rasakan tahun ini!
- Ustadzah Tating Faridah, Pemilik Bilqis Collection, Ciamis

Setelah menerapkan tiga keajaiban, omzet bisnis saya naik 1000 persen!
- Didik Nur Hakim, Sales Manager, BNI Life Insurance

Alhamdulillah, dengan membaca 7 Keajaiban Rezeki, penerimaan siswa baru tahun ini meningkat 500 persen dari tahun lalu.
- Syamsul Qamar, Batu Licin, Kalsel

Baru saja membaca dan menerapkan sepertiga isinya, eh, omzet silikon dan plastik saya naik 100 persen! Sepertinya, sebentar lagi naik 600 persen!
- Lim, Sidoarjo

Luar biasa sekali buku ini! Bikin omzet saya meledak! Sumpah!
- Ridho Fadhil, Jambi

Semua buku Mas Ippho meledakkan kepala saya! Termasuk buku ini! Baru berjalan 15 hari, sudah terasa keajaibannya!
- Fahrur, Pendiri Matematika Dahsyat Indonesia

Alhamdulillah setelah membacanya, saya meraih juara 1 se-provinsi Kepri!
- Anton Sunyoto, SPd, Guru SMAN 4, Batam

Saya jurnalis. Tahu sendiri kan berapa gaji jurnalis. Buku ini kurikulum kehidupan bagi saya. Akhirnya, saya bisa beli mobil baru, rumah ketiga, dan insya Allah berhaji dengan istri tahun ini!
- Firmansyah Lafiri, Redaktur Tribun Timur

Dengan pertolongan Allah melalui buku ini, dalam waktu hitungan jam kami berhasil menghimpun dana puluhan juta dan membiayai ratusan anak-anak tidak mampu.”
- Ria Asrul, Pimpinan Yayasan Miftahul Jannnah, Rawamangun

Setelah menerapkannya, saya mulai menuai tanda-tanda dari-Nya. Hari ini juga saya langsung menyedekahkan rumah saya!
- Prasetyo, Pengusaha Ayam Bakar, Batam

Selesai baca, saya langsung menyedekahkan seluruh tabungan saya!
- Pembaca

Sewaktu Mas Ippho berseminar di Semarang, saya memberanikan diri membeli Al-Quran Mas Ippho seharga Rp 5 juta. Padahal saya seorang Kristiani. Saya cuma berpikir, toh uang yang terkumpul untuk disedekahkan. Apa salahnya? Setelah acara itu, usaha suami saya kebanjiran order terus-menerus. Termasuk usaha saya sendiri, dapat repeat order dari klien besar!
- F. Vitayanti, Trainer & Mantan Salah Satu Pimpinan HSBC

Saya fotokopi beberapa kalimat di buku ini. Terus, saya faks ke teman-teman. Sebenarnya Santo saya juga mengajarkan, dalam memberi kita juga menerima.
- Merry, Pembatik, 54 Tahun, Rembang

Dahsyaaat! Karena wahyu umum di buku ini, saya dapat ilham untuk bikin buku ke-3 saya. Juga saya bisa menjual buku ke-2 saya dengan cepat sekali!
- Anton Siswanto, Gembala Gereja & Penulis Buku

Bersedekah ratusan kali lebih besar daripada pendapatan? Omong kosong, pikir saya sebelumnya. Tapi setelah membaca buku ini, saya bisa bersedekah sebanyak itu tiap bulannya! Dan kurang dari 99 hari, saya betul-betul go national dengan terbitnya buku saya, Ternyata Sedekah Nggak Harus Ikhlas.
- Marah Adil, Pendiri Komunitas Pencinta Sedekah

SELAMAT MENIKMATI BERSEDEKAH DALAM 7 KEAJAIBAN REZEKI

Menghitung Leverage dan Margin

Apa itu Leverage?

Leverage adalah pinjaman dari broker yang diberikan kepada trader, sehingga dana trader memiliki daya beli yang lebih besar. Leverage dinotifikasikan sebagai rasio perbandingan, misal 1:1, 1:100, 1:500, dan sebagainya. Artinya, kalau ada dana $100 di leverage 1:100 maka $100 tersebut memiliki kekuatan setara $10.000. Jika leverage 1:500, maka dana $100 tadi memiliki kemampuan untuk melakukan transaksi setara $50.000 atau 500x lipat lebih besar dari nominal dana itu sendiri.

Contract Size

Untuk contract size, harus dikonversikan ke USD. Pair yang berawalan dengan USD/xxx seperti USD/JPY, USD/CHF, USD/CAD, dsb memiliki contract size 1 lot = $100.000 (sudah dalam $, tidak perlu dikonversi). Sedangkan yang berawalan dengan mata uang non USD, misal EUR/USD memiliki kontrak size 1 lot = EUR 100.000 yang artinya setara dengan( EUR 100.000 x 1,435 ) USD atau $143.500 pada saat kurs EUR/USD 1,435. Berarti, jika EUR/USD naik menjadi 1,45 maka contract size akan berubah lagi.

Apa itu Margin?

Margin merupakan jaminan yang diberikan kepada broker setiap kali membuka posisi. Besar kecilnya margin dipengaruhi oleh leverage dan besarnya volume trading (lot) yang dibuka oleh trader. Rumus perhitungan margin adalah : Leverage x Volume (Lot) x Contract Size. Jika kita tidak memperhatikan margin, bisa-bisa akun trading kita terkena margin call

Ilustrasi

Untuk mempermudah pemahaman, mari kita simak ilustrasi di bawah ini. Broker yang diambil sebagai contoh adalah Masterforex, yang memiliki contract size 1 lot = $100.000 dan fasilitas leverage hingga 1:500.

Leverage 1:1 – 1 lot EUR/USD di harga 1,4350

Margin yang diperlukan = (1/1) x 1 lot x (EUR 100.000 x 1,4350) = $143.500 — Artinya di sini, dibutuhkan dana MINIMAL (Free Margin) $143.500 untuk bisa membuka posisi 1 lot EUR/USD di leverage 1:1

Leverage 1:100 – 1 lot EUR/USD di harga 1,4350

Margin yang diperlukan =(1/100) x 1 lot x (EUR 100.000 x 1,4350) = $1.435 — Artinya di sini, dibutuhkan dana MINIMAL(Free Margin) $1.435 untuk bisa membuka posisi 1 lot EUR/USD di leverage 1:100

Leverage 1:500 – 1 lot EUR/USD di harga 1,4350

Margin yang diperlukan = (1/500) x 1 lot x (EUR 100.000 x 1,4350) = $287 — Artinya di sini, dibutuhkan dana MINIMAL(Free Margin) $287 untuk bisa membuka posisi 1 lot EUR/USD di leverage 1:500

Leverage 1:500 – 0,1 lot EUR/USD di harga 1,4350

Margin yang diperlukan = (1/500) x 0,1 lot x (EUR 100.000 x 1,4350) = $28,7 — Artinya di sini, dibutuhkan dana (Free Margin) HANYA $28,7 untuk bisa membuka posisi 0,1 lot EUR/USD di leverage 1:500
Leverage 1:500 – 1 lot USD/JPY di harga berapapun (karena contract size sudah dalam USD)
Margin yang diperlukan = (1/500) x 1 lot x ($100.000) = $200 — Artinya di sini, dibutuhkan dana MINIMAL (Free Margin) $200 untuk bisa membuka posisi 1 lot USD/JPY di leverage 1:500
Leverage 1:500 – 0,1 lot USD/JPY di harga berapapun (karena contract size sudah dalam USD)

Margin yang diperlukan = (1/500) x 0,1 lot x ($100.000) = $20 — Artinya di sini, dibutuhkan dana (Free Margin) HANYA $20 untuk bisa membuka posisi 1 lot USD/JPY di leverage 1:500

===================================
- leverage 1:100 artinya (1/100)x100% = 1%
- leverage 1:200 artinya (1/200)x100% = 0.5%
- leverage 1:500 artinya (1/500)x100% = 0.2%
===================================

Cara menghitung margin (jaminan) yang dipakai untuk bertransaksi Pada umumnya
1 lot = quantity contract size $100,000
0.1 lot = quantity contract size $10,000
0.01 lot = quantity contract size $1000

Untuk mata uang yang base currencynya adalah USD (USD/XXX):
(contoh: USD/JPY, USD/CHF) , maka cara perhitungan marginnya yaitu :
Margin = Jumlah Lot x 100000 x %margin (untuk yang memakai satuan Lot) atau Margin = Quantity Contract Size x %margin (untuk yang memakai satuan Quantity)

Contoh 1:

Anda melakukan order BUY di mata uang USD/JPY sebanyak 1 lot dengan leverage 1:100, maka perhitungan marginnya yaitu :
Margin = 1 x 100000 x 1%= $1000

Contoh 2:

Anda melakukan order SELL di mata uang USD/CHF sebanyak 0.3 lot dengan leverage 1:200, maka perhitungan marginnya yaitu :

Margin = 0.3 x 100000 x 0.5%= $150

Untuk mata uang yang base currencynya adalah yang bukan USD (XXX/USD): (contoh: EUR/USD, GBP/USD), maka cara perhitungan margin jaminannya harus dijadikan ke kurs USDollar dahulu, yaitu dengan cara:

untuk yang memakai satuan Lot)
Margin = Jumlah Lot x 100000 x %margin x Harga quote kurs saat itu Atau (untuk yang memakai satuan Quantity) Margin = Quantity Contract Size x %margin x Harga quote kurs saat itu

Contoh 1:
Anda melakukan order BUY (Ask) di mata uang EUR/USD sebanyak 1 lot dengan leverage 1:100 dan harga kurs Bid/Ask-nya saat itu adalah 1.2998/1.3000, maka perhitungan marginnya yaitu:

Margin = 1 x 100000 x 1% x 1.3000 = $1300

Contoh 2:
Anda melakukan order SELL (Bid) di mata uang GBP/USD sebanyak 0.2 lot dengan leverage 1:500 dan harga kurs Bid/Ask-nya saat itu adalah 1.9010/1.9014, maka perhitungan marginnya yaitu:

Margin = 0.2 x 100000 x 0.2% x 1.9010 = $76

Kesalahan Persepsi

Seringkali terdapat kesalahan persepsi bahwa profit dan loss, atau nilai per pip antara 1:1 dan 1:500 berbeda. Pandangan ini tidaklah benar, kita ambil contoh di Masterforex, 1 lot pada 1:1 bernilai $10/pip maka di 1:500 pun 1 lot akan bernilai $10/pip. Yang berbeda akibat leverage hanya besaran margin, sehingga mempengaruhi besarnya lot maksimal yang bisa dibuka. Misal Anda memiliki dana di $1000, maka di 1:500 bisa membuka hingga 5 lot USD/JPY sedangkan di 1:100 hanya bisa membuka 1 lot USD/JPY saja.

PERINGATAN!

Leverage menguntungkan di satu sisi, karena akan memberikan keuntungan yang lebih besar dan mengijinkan kita bermain forex dengan modal yang lebih kecil. Namun di sisi lain, dengan leverage 1:500 kita bisa membuka posisi yang jauh dari kemampuan dana kita. Oleh karena itu, bijaksanalah dengan leverage dan margin Anda, karena kerugian yang diderita bisa lebih besar dari kemampuan kita, akibat kurangnya pemahaman terhadap resiko dari leverage dan margin ini

sumber : http://haloforex.com

Tanda-tanda Tubuh Kurang Tidur

Tubuh tak bisa dibohongi bila kurang tidur.
Kurang tidur bisa berakibat fatal, maka itu penting untuk mengetahui
tanda-tanda tubuh yang kurang tidur.

"Tidur sangat penting untuk kelangsungan hidup, sama halnya dengan makan," kata Dr Maria Susan Ester, presiden American Academy of Sleep Medicine (AASM)

Tak hanya mengistirahatkan otot, tidur juga memberi kesempatan
bagi sistem kekebalan tubuh untuk memproduksi hormon-hormon imunitas.
Agar regulasi tersebut tidak terganggu, secara alami tubuh juga
melepaskan hormon yang memicu rasa kantuk pada waktu-waktu tertentu.

Kurang tidur yang kronis dapat menyebabkan sejumlah masalah kesehatan, seperti
tekanan darah tinggi, obesitas (kegemukan), depresi, produksi hormon
tidak teratur, sistem kekebalan tubuh lemah, penurunan memori, murah
marah dan penurunan konsentrasi.

Berikut 5 tanda tubuh kurang tidur atau butuh tidur yang lebih banyak lagi, yaitu:

1. Terus merasa lapar atau tidak lapar sama sekali
Kurang tidur bisa membuat orang ingin makan terus dengan porsi yang lebih
banyak atau bahkan sama sekali tidak merasa lapar. Ini disebabkan oleh
jam internal tubuh yang tidak normal, sehingga banyak orang yang kurang
tidur mengalami kenaikan atau penurunan berat badan secara tiba-tiba.

2. Kehilangan fokus
Orang yang kurang tidur bisa mengalami Attention Deficit Disorder,
yaitu gangguan perhatian yang menyebabkan respon motorik menjadi lebih
lambat dan tidak akurat, refleks berkurang dan tidak bisa fokus pada
satu aktivitas.

3. Kehilangan memori jangka pendek
"Otak perlu tidur untuk menyegarkan dan beregenerasi. Tanpa itu, memori
jangka pendek mungkin terganggu," jelas Dr Neil Kline dari American
Sleep Association.

4. Mengantuk sepanjang hari
Minuman berkafein, musik yang keras atau apapun usaha untuk membuat orang tetap
terjaga hanyalah bersifat sementara dan tidak akan membuat kewaspadaan
jangka panjang. Kurang tidur bisa membuat orang merasa letih dan
mengantuk sepanjang hari.

5. Mudah sakit
Perbaikan sistem kekebalan tubuh dapat diperkuat saat orang tidur. Kurang
istirahat dapat membuat daya tahan tubuh melemah, sehingga mudah
terinfeksi virus maupun bakteri. Biasanya penyakit yang paling mudah menyerang orang yang kurang tidur adalah influenza.

Istirahat yang cukup penting untuk memulihkan tenaga dan sistem kekebalan tubuh.
Tidak bisa ditawar-tawar lagi, rata-rata orang dewasa membutuhkan 6-7
jam untuk tidur setiap harinya.

Lima Manfaat Tertawa

Tidak suka dengan humor? Pikir sekali lagi. Penelitian terbaru menunjukkan bahwa memanjakan selera humor Anda bisa memperpanjang usia, membuat hidup lebih sehat.
Tertawa tidak saja melunturkan stres, meningkatkan kehidupan sosial, dan menurunkan tekanan darah, tapi juga mendorong sistem kekebalan tubuh. Tambah lagi, humor menjadi lebih bernilai ketika umur semakin bertambah, dan dikaitkan dengan kehidupan yang memuaskan. Begitu penelitian yang dilakukan di Swis.
Ingin tahu lebih banyak tentang sisi kesehatan dari humor? Simak 5 fakta mengejutkan dari sisi kesehatan dari humor yang dimuat BBC.
Ingin tahu lebih banyak tentang sisi kesehatan dari humor? Simak 5 fakta mengejutkan dari sisi kesehatan dari humor yang dimuat BBC.

1. Lebih mudah bernafas
“Sembilan puluh prosen tertawa melibatkan pernafasan yang dalam,” kata Dacher Keltner, Ph.D., guru besar psikologi di University of California di Berkeley dan penulis buku Born to Be Good. “Ketika menghembuskan nafas, denyut nadi dan tekanan darah turun dan Anda memasuki kondisi tenang. Anda akan merasakan sensasi pelepasan dari tertawa.”

2. Hubungan yang lebih baik.
Pasangan yang menceritakan lelucon ringan dan ikut tertawa untuk meredakan ketegangan cenderung memiliki perkawinan yang lebih baik, kata psikolog John Gottman, Ph.D., dari Gottman Institute, pusat konseling masalah hubungan sosial di Seattle.

3. Melawan stres
Tertawa bisa menurunkan hormon stres dopac, kortisol, dan epinephrine sampai berturut-turut 38%, 39%, dan 70% menurut penelitian di Loma Linda University, California. Penelitian di Universitas Maryland dengan mempertontonkan film pendek, mereka yang menonton film jenaka mengalami peningkatan aliran darah ke jantung sebanyak 22%.

4. Merasa lebih sehat
Tertawa tak hanya melepaskan ketegangan, tapi juga membuat Anda lebih sehat. Orang yang tertawa 10 – 25 kali sehari lebih sedikit terkena penyakit dibandingkan dengan mereka yang kurang dari jumlah itu dalam seharinya. Begitu menurut penelitian International Journal of Medical Sciences tahun 2009.

5. Bekerja lebih baik
Menurut survei Men’s Health, dari hampir 600 lelaki yang menjadi responden, 73%-nya menyatakan bahwa memiliki selera humor membuat mereka lebih baik dalam bekerja.

nah, tertawalah sebelum tertawa itu dilaRang ^_^

10 Fakta Penyebab Mengapa Anda Tidak Beruntung

Jika Anda kerap merasa sebagai orang yang tak beruntung, yang sebenarnya bisa jadi sebagian besar itu semua Anda sendiri yang menciptakannya. Coba cermati 10 hal penyebab sial di bawah ini, jika ternyata Anda melakukan kesalahan-kesalahan di bawah ini, maka sudah selayaknya pemikiran dan keyakinan Anda perlu diubah lagi.

1. Tak Punya Selera Humor -
Jika Anda tipe orang yang menanggapi segala hal secara serius, maka Anda masuk daftar pertama ini. Mulailah belajar tertawa. Tawa adalah obat paling ampuh dalam segala hal. Jika Anda tak dapat menjadikan permasalahan yang Anda hadapi sebagai lelucon, malah sebaliknya mengeluh panjang lebar tentang masalah tersebut, bisa jadi masalah ini sebenarnya tak seburuk yang Anda pikirkan. Sekali Anda buktikan, maka sepanjang hidup semua masalah tak seburuk yang Anda kira.

2. Menyalahkan Pihak Lain -
Kenapa Anda begitu mudah patah? Bukan berarti mengatakan orang lain tak bersalah, tapi saat menunjuk pada hal itu, Anda akhirnya malah mengubah uang Anda sendiri. Sekali lagi, berhentilah merasa menyesali diri dan berhentilah mengeluh. Jika usaha yang Anda lakukan tak membawa hasil seperti yang diharapkan, maka lakukan hal yang berbeda. Jadi orang yang berbeda sesekali, bisa jadi hal bagus buat diri Anda. Ingat, mulailah dengan berhenti mengeluh, dan berdamailah dengan segala keadaan yang Anda hadapi.

3. Tak Bahagia Dengan Diri Sendiri Saat Melihatnya di Kaca -
Kenapa bis begitu? Dengan standard siapa Anda membandingkan diri sendiri? Anda sendiri atau orang lain? Yang Sebenarnya, Anda bisa menemukan sesuatu dalam diri sendiri yang membuat Anda bahagia, atau melakukan perubahan. Lakukan keduanya jika Anda mau. Tak seorangpun di dunia ini yang dapat menghentikan Anda berpikir bahwa Anda menarik.

4. Tak Punya Harapan Atau Stuck -
Tak seorangpun yang dapat membuat Anda merasa lebih baik selain diri Anda sendiri. Anda tak bisa mengharapkan dunia berubah untuk Anda sebelum Anda mengubah diri.

5. Bertindak Lebih Dari Kemampuan -
Tindakan ini membuat Anda jadi tumpul, dan khususnya tak berarti 'Semua pekerjaan dan tak ada permainan.'

6. Khawatir Berlebihan -
Semakin Anda khawatir, semakin kurang keyakinan Anda kalau segala sesuatunya akan berjalan dengan baik. Bagaimana Anda dapat mengharapkan mendapat tempat dalam kehidupan jika Anda tak punya keyakinan atau rasa percaya diri? Biarkan semua berjalan apa adanya. Rileks.

7. Iri Dengan Keberuntungan Orang Lain -
Kapanpun Anda mendengar orang lain mendapat keberuntungan Anda selalu berseru, 'Orang itu bikin aku sangat kesal!' Mungkin jika Anda ikut bergembira dengan keberuntungan orang lain, maka keberuntungan yang sama bisa menular pada Anda.

8. Menyalahkan Tuhan -
Kadang Anda berpikir betapa Tuhan tidak adil pada Anda. Mungkin sebaiknya mulai sekarang Anda belajar bersyukur dan maka hal-hal baik akan datang menggantikan hal-hal buruk. Anda bisa memulainya dengan bersyukur bangun dalam keadaan sehat di pagi hari.

9. Tak Menghargai Hal-Hal Baik Yang Anda Miliki -
Sebagai contohnya, Anda tak pernah mensyukuri kalau Anda masih bisa bangun pagi ini dan melihat sinar matahari? Benar begitu? Mulai sekarang, Anda bisa menghitung kebaikan yang Anda miliki dalam hidup dari hal-hal kecil yang Anda miliki.

10. Mengeluh Terus Menerus -
Sebenarnya, mengeluhkan satu hal malah akan lebih banyak hal lain yang Anda keluhkan. Dan yang pasti semua orang merasa terganggu dengan orang yang suka mengeluh.

Bagaimana menurut Anda? Jika benar dari 10 hal di atas ada pada diri Anda. Coba lakukan perubahan, dan ketidakberuntungan itu hanya akan tinggal bayang-bayang :-)

How To Make Money Blogging

After you create a blog that is interesting, now it is time to start making money. The second step of getting visitors is the most important, if you plan on making money. The third step is choosing how you will make money from your blog. You should try to keep your blog on the same topic on all your post, being that you can have an unlimited number of blogs, you can have a blog for any and every topic you choose. Make sure to start a new blog if you are totally off the main subject of the blog that you are posting to.

Blogger and several other free blog companies make it very simple to have a brand new blog up and running in a matter of a few minutes. Try not to post an article about dogs on a blog about golf. Once you have an interesting blog on one particular topic, the best place to start making money is Google AdSense. Blogger has made it very simple to add AdSense ads to your blog.
The ads that show up on your blog will be targeted towards the topic of your blog, which means if you have a blog about dogs, the ads that show up on your blog will deal with pets. It's like Google is paying you to advertise on your blog.

Another way to make money with your blog is with affiliate programs. Companies will pay you good money to advertise their products, and all you have to do is put a link or banner on your blog leading to that companies web site. Once a sale is made the company gives you a commission. That is the reason you should pick one topic for your blog. If you want to have a blog about your life, by all means do it, but have other blogs about specific topics if you want to make money.

Once you find a topic that interest you, look for affiliate programs for that particular topic. With the dog blog example, there are several dog training products that you can have links and banners to on a dog blog that will make good money. ClickBank is the top company when it comes to affiliate products, they have over 10,000 products to choose from. Browse their products to see which ones you would like to promote. Obviously you want to pick something that fits the topic of your blog, but don't limit yourself to just one, you can change a product you are promoting with a few clicks.

The internet is the essence of marketing, by that I mean, every word in an ad matters, every color, where the ad is located on your blog, whether is is blinking or not, and the color of the text. It might not seem like all of those things matter, but the fact is, everything that you decide matters. The good thing is you can experiment with how your blog looks as much as you want. There are several e-books written on how you should place and where you should place them, in the beginning, just go with the basic blog set-up until you get the hang of things.

Finding The Best Forex Traders

The forex trading market has become the biggest financial market in the world today and online currency trading is now one of the fastest growing investments. There are many ways to find information on forex trading and online currency trading but finding the best forex traders can be difficult if you don't know where to look.

With the growing popularity of forex trading and the information publicly available on the internet finding the best forex traders is no longer as difficult as it may have been. The currency analytical reports are now available to the public online and you can even access live data if you know where to look. Finding the best forex traders has become even easier and more and more people are beginning to reap these profits.

What Are the Best Forex Traders

Forex traders are the currencies that are traded by investors and the best forex traders are the currencies that are making the most profit for their investors. Currencies fluctuate constantly and keeping up to date with the state of these currencies used to be extremely difficult for small time investors.

The forex traders that are most popular and the ones that should be monitored closely are the "majors". These are the EUR/USD combination, the USD/JPY, the USD/CHF, and the GBP/USD. These combinations change constantly and knowing where these forex traders stand will allow you to make the profits you choose from your forex trading.

Forex trading guides and forex training education programs are available for anyone looking to earn money from this extremely lucrative system and most of these programs are designed with beginners in mind explaining all the technical language in simple easy to follow terms.

Forex trading could help you change your future; why not invest in it now?

Day Trading Indicators and Indicator Trading

Did You Begin Day Trading As An Indicator Only Trader?

Did you start day trading after buying a book on technical analysis, and getting a charting program - probably a free one that you found online - in order to save money? While reading your book you learned about trading indicators which could 'predict' price movement, and what do you know, the 'best' indicators were actually included in your free charting program - let the games begin.

Now that you have all the day trading tools that are necessary, the book for education AND the free charting program with those 'best' day trading indicators, you now need a day trading plan so you can decide which ones of those 'magic' day trading indicators you are supposed to use. This really is a great book, besides telling you how to day trade using indicators to 'predict' price - it also said that you need a trading plan to day trade.

So what should this plan be? The book told you about trend following using an indicator called macd, and it also told you how it was possible to pick the top or bottoms using an indicator called stochastic; my guess is that you picked the stochastic indicator to start your day trading - this must be the 'best of the best' since this indicator was going to ensure you of entering your trades with the 'best' price. Amazing, simply amazing how easy this day trading stuff really is. In fact, why even bother taking the trades, each time your indicators give a signal - just call up your broker and tell him to stick $100 in your account.

My book was Technical Analysis of the Futures Markets. My charting program was TradeStation with an eSignal fm receiver; that was the one that if you hung the antennae wires just right, and you put enough foil on the tips, you might even get quotes. I had sold a business before I started trading so I did have some capital - isn't that how everyone gets into trading, you either sell a business or you lose your job? My indicator was the macd as I had decided that I was going to be a 'trend follower' instead of a 'top-bottom picker'. I also decided that I was going to be 'extra' clever, if one indicator was good than two indicators must be better, so I added a 20 period moving average. My first trade was a winner, then after many months of extensive therapy, I was finally able to forget the next twelve months - ahhh the memories 

Learning To Day Trading - The Learning Progression

Beginning to day trade, or learning to day trade, as an indicator trader is very typical. This is also logical when you consider - HOW are you supposed to initially learn how to trade? Trading indicators are available to anyone who has a charting program, and simply using line crosses, or histogram color changes, provide 'easy' signals to understand. If you will also take the time to learn the arithmetic behind your indicators, as well as learning what each indicator is specifically intended to do, not only is this a logical way to begin, it is also a good 'step' in your learning progression - understanding the WHAT you are doing, instead of attempting to create 'canned' indicator only trading systems, without any regard as to WHY you are trading this way.

This does become one of the 'sticking' points in your learning progression, as you come to find out that you are unable to profitably trade indicators as signals only - now what? Now what - you 'can't' develop your own indicators, so you start doing google searches for day trading indicators and start buying your 'collection' - they don't 'work' either. Now what - you buy a mechanical trading system - what does hypothetical results may not be indicative of real trading or future results mean? Now what - you start subscribing to signal services OR you start joining the 'latest and greatest' chat room - am I really the only person using the signals who isn't profitable?

Now what - you never learn how to trade.

I began trading as an indicator trader, and I did try to learn everything that I could about the various indicators, as well as trying to combine indicators that were consistent with how I wanted to trade - I just could never develop a mechanical day trading system from what was available to me. I read a couple more books that didn't really help me, so I then started looking for someone who could teach me. From what I now know about gurus -vs- teachers, I am very lucky that I got involved with a money manager-trader who taught me a tremendous amount, but I still couldn't get profitable, in part because there was also 'pressure' to learn how to trade using real money. As well, any discussions or thoughts about trading psychology and the issues involved, especially to beginning traders, was non-existent.<

Now what - learning but losing - I stopped trading.
Learning to trading using real money, and 'scoffing' at trading psychology as simply individual weakness, really was something that I now regard as misinformation. I always mention this as I now feel that this cost me as much as a year of time, and was very close to costing me my trading future, as stopped trading was VERY close to quitting trading. How can't trading psychology be real to a beginner, when you consider that you are risking losing money at a very fast pace as a day trader, and when you further consider that you are also doing this when you really don't know what you are doing - this is NOT by definition being weak. And if trading psychology is real, how are you going to learn to make 'good' trading habits with real money while you are fighting the implications?

Now what - not trading and not ready [quite] to quit - still studying and searching.

Probably the single most important 'thing' that got me to a next step in learning how to trade, was the concept of a trading setup, and that a setup and a signal were not the same. This was extremely meaningful to me, as it also led to an understanding of how to better use trading indicators for the information that they can provide, but not to use them as trading signals - in essence I began learning about trading method where discretion could be consistently applied -vs- trading system that was mechanical and arithmetic rules.

Traders who are indicator only traders, are also what I refer to right side only traders, that is they are always looking at the right side of their charts for an indicator signal. BUT what about the left side of the chart, what about price and patterns, what about market conditions - WHAT about the relevant 'things' that are 'moving' price, instead of indicators only as an arithmetic derivative of price, and thus, one that is dependant on the time frame that you have chosen to trade from? These 'thoughts', along with the concept of trade setup, became instrumental in the development of a trading method, and how I came to turning my trading around.

When I think about the steps in my learning progression - I would list them as follows:

2/95 - 6/96
indicators only
teaching service that included signals
learning to trading with real money and trading psychology issues
stop trading

6/96 - 3/97
understanding of trading psychology issues
learning about trading setups concept
trading method -vs- trading system
trade setup - trade trigger are not the same
method development
understand the importance of the left side of the chart and what is happening 'across' the chart
related trading setups and how/when they triggered
indicators + pattern
indicators + pattern + price
indicators + pattern + price + market conditions

3/97 - 11/97
able to paper trade profitably
able to real money trade profitably
able to trade for a living

Indicator Only Day Trader - Setup Including Indicators Method Day Trader

I have attempted to discuss the way I started day trading, and the way I think many-most traders typically begin. Along with this, I have pointed various issues and problems that I had - those regarding how to learn to trade, and then progressing into a profitable trader. My experiences have been both personal, as well as those of many traders that I have worked with over the last 8-9 years through Tactical Trading - that a very large number of these problems are due to day trading only with indicators, the specific indicators used, along with trying to turn these indicators into a mechanical trading system. This is not to say that this can't be done - I simply couldn't do it. However, I would strongly suggest that anyone who is in the early stages of day trading, or struggling with their day trading, consider these things that have been discussed.

Different Kinds Of Investments

These days, you can't retire without using the returns from investments. You can't count on your social security checks to cover your expenses when you retire. It's barely enough for people who are receiving it now to have food, shelter and utilities. That doesn't account for any care you may need or in the even that you need to take advantage of such funds much earlier in life. It is important to have your own financial plan. There are many kinds of investments you can make that will make your life much easier down the road.
The following are brief descriptions for beginning investors to familiarize themselves with different kinds of investment options:

401K Plans
The easiest and most popular kind of investment is a 401K plan. This is due to the fact that most jobs offer this savings program where the money can be automatically deducted from your payroll check and you never realize it is missing.

Life Insurance
Life Insurance policies are another kind of investment that is fairly popular. It is a way to ensure income for your family when you die. It allows you a sense of security and provides a valuable tax deduction.

Stocks
Stocks are a unique kind of investment because they allow you to take partial ownership in a company. Because of this, the returns are potentially bigger and they have a history of being a wise way to invest your money.

Bonds
A bond is basically a promise note from the government or a private company. You agree to give them a set amount of money as a loan and they keep it for a set number of years with a predetermined amount of interest. This is typically a safe bet and one that is a good investment for a first time investor because there is little risk of losing your money

Mutual Funds
Mutual funds are a kind of investment that are based on the gains and losses of a shareholder. Basically one person manages the money of several or many investors and invests in a list of various stocks to lessen the effect of any losses that may occur.

Money Market Funds
A good short-term investment is a Money Market Fund. With this kind of investment you can earn interest as an independent shareholder.

Annuities
If you are interested in tax-deferred income, then annuities may be the right kind of investment for you. This is an agreement between you and the insurer. It works to produce income for you and protect your earning potential.

Brokered Certificates of Deposit (CDs)
CDs are a kind of investment where you deposit money for a set amount of time. The good thing about CDs is that you can take the money out at any time without paying a penalty fee. We all know life isn't predictable, so this is a nice feature to have in your option.

Real Estate
Real Estate is a tangible kind of investment. It includes your land and anything permanently attached to your piece of property. This may include your home, rental properties, your company or empty pieces of land. Real estate is typically a smart and can make you a lot of money over time

How to Achieve Currency Trading Success: Part 1

Currency trading success can be achieved by anyone, as everything about trading currencies can be specifically learned, by any trader wishing to put it in the time and effort to do so.
Trading currencies successfully is a combination of two factors:
Firstly, you need a successful trading method for long term currency trading success to predict market direction and these systems fall into two categories:
1. Fundamental analysis
A currency trader who makes trades based upon fundamental analysis, will look at the supply and demand situation relevant to the particular currency studied, and try and predict the impact of such factors as:
· The health of the economy
· Interest rates
· Balance of payments
· Employment
· Trade deficit
· Other factors
In today's markets with the all-fundamental information available in seconds anywhere in the world, fundamental news is quickly reflected in the price.
Traders therefore, can have difficulty acting quickly enough to position themselves in the market in relation to breaking news.
In light of this, more traders looking for currency trading success are using a technical approach to the markets.
2. Technical analysis
Technical analysis is the study of a currency, based strictly on using only the price history of the currency.
Technical analysis uses no information about the currencies supply and demand situation - it simply focuses on price action.
The common belief is that the currency price reflects all the known information about the currency as it is immediately discounted in price action.
Technical analysis however does something more - it indirectly studies human psychology.
Since price patterns reflect shifts in human psychology, one can assume that certain patterns, cycles and trends, will repeat themselves again, as human nature has remained constant over time.
Technical analysis takes into account both the fundamentals and the market participants psychology and this gives us a simple equation:
All known fundamentals + human psychology = Price action

The fundamentalist studies the cause of market movement, while the technician studies the effect.
For currency trading success, you need to catch the longer-term trends that yield the big profits. The technical trader does not care how and why these trends develop; all they want to do is make money from them when they occur.
Look at any currency price chart over time and you will see long-term trends and many of them last for years.
The secret of currency trading success is using technical analysis to spot them.

Long Term or Short Term Trading
For long term currency-trading success, is it better to be a long term trader, rather than a short-term trader.
While traders can, and do make money with short-term methods of trading, the fact is, currencies trend longer term and these are the trends that yield the biggest profits.
The reason for this is obvious:
Currencies reflect the underlying health of the economy.
These cycles of expansion and contraction, tend to last for many months or even years and a long term position trader has huge profit potential, if they can lock into and hold these longer term trends.
The choice between long term, and short term trading is subjective, but generally the longer-term price trends tend to be easier to predict, and offer better risk / reward, so a long-term approach is the one to focus on.

FOREX dalam hukum ISLAM

بســـــــماللهالرحمنالرحيـــــــم
Dalam bukunya Prof. Drs. Masjfuk Zuhdi yang berjudul MASAIL FIQHIYAH; Kapita Selecta Hukum Islam, diperoleh bahwa Forex (Perdagangan Valas) diperbolehkan dalam hukum islam. Perdagangan valuta asing timbul karena adanya perdagangan barang-barang kebutuhan/komoditi antar negara yang bersifat internasional. Perdagangan (Ekspor-Impor) ini tentu memerlukan alat bayar yaitu UANG yang masing-masing negara mempunyai ketentuan sendiri dan berbeda satu sama lainnya sesuai dengan penawaran dan permintaan diantara negara-negara tersebut sehingga timbul PERBANDINGAN NILAI MATA UANG antar negara.

Perbandingan nilai mata uang antar negara terkumpul dalam suatu BURSA atau PASAR yang bersifat internasional dan terikat dalam suatu kesepakatan bersama yang saling menguntungkan. Nilai mata uang suatu negara dengan negara lainnya ini berubah (berfluktuasi) setiap saat sesuai volume permintaan dan penawarannya. Adanya permintaan dan penawaran inilah yang menimbulkan transaksi mata uang. Yang secara nyata hanyalah tukar-menukar mata uang yang berbeda nilai.

TRANSAKSI VALAS dalam HUKUM ISLAM
1. Ada Ijab-Qobul: ---> Ada perjanjian untuk memberi dan menerima • Penjual menyerahkan barang dan pembeli membayar tunai. • Ijab-Qobulnya dilakukan dengan lisan, tulisan dan utusan. • Pembeli dan penjual mempunyai wewenang penuh melaksanakan dan melakukan tindakan-tindakan hukum (dewasa dan berpikiran sehat)
2. Memenuhi syarat menjadi objek transaksi jual-beli yaitu: • Suci barangnya (bukan najis) • Dapat dimanfaatkan • Dapat diserahterimakan • Jelas barang dan harganya • Dijual (dibeli) oleh pemiliknya sendiri atau kuasanya atas izin pemiliknya • Barang sudah berada ditangannya jika barangnya diperoleh dengan imbalan. Perlu ditambahkan pendapat Muhammad Isa, bahwa jual beli saham itu diperbolehkan dalam agama.
لاتشترواالسمكفیالماءفاءنهغرد
"Jangan kamu membeli ikan dalam air, karena sesungguhnya jual beli yang demikian itu mengandung penipuan". (Hadis Ahmad bin Hambal dan Al Baihaqi dari Ibnu Mas'ud)
Jual beli barang yang tidak di tempat transaksi diperbolehkan dengan syarat harus diterangkan sifat-sifatnya atau ciri-cirinya. Kemudian jika barang sesuai dengan keterangan penjual, maka sahlah jual belinya. Tetapi jika tidak sesuai maka pembeli mempunyai hak khiyar, artinya boleh meneruskan atau membatalkan jual belinya. Hal ini sesuai dengan hadis Nabi riwayat Al Daraquthni dari Abu Hurairah:
منسترئشيتالميرهفلهالخيارإذاراه
Barang siapa yang membeli sesuatu yang ia tidak melihatnya, maka ia berhak khiyar jika ia telah melihatnya".
Jual beli hasil tanam yang masih terpendam, seperti ketela, kentang, bawang dan sebagainya juga diperbolehkan, asal diberi contohnya, karena akan mengalami kesulitan atau kerugian jika harus mengeluarkan semua hasil tanaman yang terpendam untuk dijual.
Hal ini sesuai dengan kaidah hukum Islam:
المشقةتجلبالتيسر
Kesulitan itu menarik kemudahan. Demikian juga jual beli barang-barang yang telah terbungkus/tertutup, seperti makanan kalengan, LPG, dan sebagainya, asalkam diberi label yang menerangkan isinya. Vide Sabiq, op. cit. hal. 135. Mengenai teks kaidah hukum Islam tersebut di atas, vide Al Suyuthi, Al Ashbah wa al Nadzair, Mesir, Mustafa Muhammad, 1936 hal. 55.

JUAL BELI VALUTA ASING DAN SAHAM
Yang dimaksud dengan valuta asing adalah mata uang luar negeri seperi dolar Amerika, poundsterling Inggris, ringgit Malaysia dan sebagainya. Apabila antara negara terjadi perdagangan internasional maka tiap negara membutuhkan valuta asing untuk alat bayar luar negeri yang dalam dunia perdagangan disebut devisa. Misalnya eksportir Indonesia akan memperoleh devisa dari hasil ekspornya, sebaliknya importir Indonesia memerlukan devisa untuk mengimpor dari luar negeri.
Dengan demikian akan timbul penawaran dan perminataan di bursa valuta asing. setiap negara berwenang penuh menetapkan kurs uangnya masing-masing (kurs adalah perbandingan nilai uangnya terhadap mata uang asing) misalnya 1 dolar Amerika = Rp. 12.000. Namun kurs uang atau perbandingan nilai tukar setiap saat bisa berubah-ubah, tergantung pada kekuatan ekonomi negara masing-masing. Pencatatan kurs uang dan transaksi jual beli valuta asing diselenggarakan di Bursa Valuta Asing (A. W. J. Tupanno, et. al. Ekonomi dan Koperasi, Jakarta, Depdikbud 1982, hal 76-77)

FATWA MUI TENTANG PERDAGANGAN VALAS
Fatwa Dewan Syari'ah Nasional Majelis Ulama Indonesia no: 28/DSN-MUI/III/2002, tentang Jual Beli Mata Uang (Al-Sharf).
MENIMBANG :
a. Bahwa dalam sejumlah kegiatan untuk memenuhi berbagai keperluan, seringkali diperlukan transaksi jual-beli mata uang (al-sharf), baik antar mata uang sejenis maupun antar mata uang berlainan jenis.
b. Bahwa dalam 'urf tijari (tradisi perdagangan) transaksi jual beli mata uang dikenal beberapa bentuk transaksi yang status hukumnya dalam pandang ajaran Islam berbeda antara satu bentuk dengan bentuk lain.
c. Bahwa agar kegiatan transaksi tersebut dilakukan sesuai dengan ajaran Islam, DSN memandang perlu menetapkan fatwa tentang al-Sharf untuk dijadikan pedoman.
MENGINGAT :
" Firman Allah, QS. Al-Baqarah[2]:275: "...Dan Allah telah menghalalkan jual beli dan mengharamkan riba..."
" Hadis nabi riwayat al-Baihaqi dan Ibnu Majah dari Abu Sa'id al-Khudri:Rasulullah SAW bersabda, 'Sesungguhnya jual beli itu hanya boleh dilakukan atas dasar kerelaan (antara kedua belah pihak)' (HR. al-baihaqi dan Ibnu Majah, dan dinilai shahih oleh Ibnu Hibban).
" Hadis Nabi Riwayat Muslim, Abu Daud, Tirmidzi, Nasa'i, dan Ibn Majah, dengan teks Muslim dari 'Ubadah bin Shamit, Nabi s.a.w bersabda: "(Juallah) emas dengan emas, perak dengan perak, gandum dengan gandum, sya'ir dengan sya'ir, kurma dengan kurma, dan garam dengan garam (denga syarat harus) sama dan sejenis serta secara tunai. Jika jenisnya berbeda, juallah sekehendakmu jika dilakukan secara tunai.".
" Hadis Nabi riwayat Muslim, Tirmidzi, Nasa'i, Abu Daud, Ibnu Majah, dan Ahmad, dari Umar bin Khattab, Nabi s.a.w bersabda: "(Jual-beli) emas dengan perak adalah riba kecuali (dilakukan) secara tunai."..
" Hadis Nabi riwayat Muslim dari Abu Sa'id al-Khudri, Nabi s.a.w bersabda: Janganlah kamu menjual emas dengan emas kecuali sama (nilainya) dan janganlah menambahkan sebagian atas sebagian yang lain; janganlah menjual perak dengan perak kecuali sama (nilainya) dan janganlah menambahkan sebagaian atas sebagian yang lain; dan janganlah menjual emas dan perak tersebut yang tidak tunai dengan yang tunai.
" Hadis Nabi riwayat Muslim dari Bara' bin 'Azib dan Zaid bin Arqam : Rasulullah saw melarang menjual perak dengan emas secara piutang (tidak tunai).
" Hadis Nabi riwayat Tirmidzi dari Amr bin Auf: "Perjanjian dapat dilakukan di antara kaum muslimin, kecuali perjanjian yang mengharamkan yang halal atau menghalalkan yang haram; dan kaum muslimin terikat dengan syarat-syarat mereka kecuali syarat yang mengharamkan yang halal atau menghalalkan yang haram."
" Ijma. Ulama sepakat (ijma') bahwa akad al-sharf disyariatkan dengan syarat-syarat tertentu.
MEMPERHATIKAN:
1. Surat dari pimpinah Unit Usaha Syariah Bank BNI no. UUS/2/878
2. Pendapat peserta Rapat Pleno Dewan Syari'ah Nasional pada Hari Kamis, tanggal 14 Muharram 1423H/ 28 Maret 2002.
MEMUTUSKAN
Dewan Syari'ah Nasional Menetapkan : FATWA TENTANG JUAL BELI MATA UANG (AL-SHARF).
Pertama : Ketentuan Umum
Transaksi jual beli mata uang pada prinsipnya boleh dengan ketentuan sebagai berikut:
a.Tidak untuk spekulasi (untung-untungan).
b.Ada kebutuhan transaksi atau untuk berjaga-jaga (simpanan).
c.Apabila transaksi dilakukan terhadap mata uang sejenis maka nilainya harus sama dan secara tunai (at-taqabudh).
d.Apabila berlainan jenis maka harus dilakukan dengan nilai tukar (kurs) yang berlaku pada saat transaksi dan secara tunai.
Kedua : Jenis-jenis transaksi Valuta Asing
a.Transaksi SPOT, yaitu transaksi pembelian dan penjualan valuta asing untuk penyerahan pada saat itu (over the counter) atau penyelesaiannya paling lambat dalam jangka waktu dua hari. Hukumnya adalah boleh, karena dianggap tunai, sedangkan waktu dua hari dianggap sebagai proses penyelesaian yang tidak bisa dihindari dan merupakan transaksi internasional.
b.Transaksi FORWARD, yaitu transaksi pembelian dan penjualan valas yang nilainya ditetapkan pada saat sekarang dan diberlakukan untuk waktu yang akan datang, antara 2x24 jam sampai dengan satu tahun. Hukumnya adalah haram, karena harga yang digunakan adalah harga yang diperjanjikan (muwa'adah) dan penyerahannya dilakukan di kemudian hari, padahal harga pada waktu penyerahan tersebut belum tentu sama dengan nilai yang disepakati, kecuali dilakukan dalam bentuk forward agreement untuk kebutuhan yang tidak dapat dihindari (lil hajah).
c.Transaksi SWAP yaitu suatu kontrak pembelian atau penjualan valas dengan harga spot yang dikombinasikan dengan pembelian antara penjualan valas yang sama dengan harga forward. Hukumnya haram, karena mengandung unsur maisir (spekulasi).
d.Transaksi OPTION yaitu kontrak untuk memperoleh hak dalam rangka membeli atau hak untuk menjual yang tidak harus dilakukan atas sejumlah unit valuta asing pada harga dan jangka waktu atau tanggal akhir tertentu. Hukumnya haram, karena mengandung unsur maisir (spekulasi).
Ketiga : Fatwa ini berlaku sejak tanggal ditetapkan, dengan ketentuan jika di kemudian hari ternyata terdapat kekeliruan, akan diubah dan disempurnakan sebagaimana mestinya.
Ditetapkan di : Jakarta
Tanggal : 14 Muharram 1423 H / 28 Maret 2002 M
DEWAN SYARI'AH NASIONAL MAJELIS ULAMA INDONESIA
========================================

10 ways to identify if your public relations company is right for you

PR plays a key function in a successful business. And for PR to be productive you will need to trust more than friendship or basic instincts in choosing an "ideal" PR company. Since public relations are about communication and steering the company towards realistic targets, you must consider a number or crucial and tangible issues.

Be clear that PR cannot be handled just by the firm it is a partnership between you and the PR experts. It is your inputs that will provide the PR firm with direction. You must on your side provide complete and updated information, be available to advice on or check material put together by the firm and spend time with the PR team on ideation. Only when the grounding is laid clearly will PR be successful.

1. The company must have worked for a business such as yours before or have at their fingertips the strategies they will employ to meet your PR objectives.

2. The PR firm must have updated its systems to include all the latest in media and communications.

3. The company must understand your business thoroughly and know in no uncertain terms how much strategic versus tactical support they can provide.

4. Determine whether the staff deployed for your project has both experience as well as expertise. Find out about their successes and failures.

5. Ascertain whether they can comfortably reach out to your target market and if they cab quantify their value

6. Study the proposals presented by them on your project and use your in depth knowledge of your business and the market to determine to what extent this will work.

7. A dedicated PR firm will not hesitate to disagree with you on any aspects of your plan they are not in agreement with. They know the ins and outs of their business and know what works and what does not.

8. The firm must not just have a series of meetings there should be constant interaction as well as reviews of work undertaken and subsequent results.

9. The contract must be clear and transparent with no hidden clauses. The PR firm must have a system where it clearly understands and then delineates in a contract its responsibilities.

10. Be sure to check their testimonials and credentials. Go through their case studies to determine their efficacy and do some research to find out their standing in the market.

The most apt definition of a PR relationship is that of the Counselors Academy of the Public Relations Society of America. It says, " a successful relationship between client and public relations firm or counselor has as a fundamental: a match of capabilities and needs, a 100% agreement on objectives, constant and instant accessibility, full information sharing, interaction at all levels, regular updates as well as progress review, and a clear contractual agreement."

Fishing Tips For Beginners

There are many kinds of fishing equipments in stores, numerous fishing methods in books, and fishing advices online. To make it all simple, here are the basic things you need to know for your first time fishing adventure.

1) How to fish with bait

* Tackle. To plunk the bait, you should purchase lead weights. The weight of the lead would vary depending on the current of the environment. Anglers commonly use and recommend bank sinkers with a number-two hook.

To avoid sinkers to slide, you would need a swivel to act as a stop. To protect the knot, you could use plastic beads between the swivel and weight. Using two appropriate swivels could allow you to rig the sliding sinkers.

* Bait. The commonly used bait for all kinds of fishes is worms. Another popular bait is chicken liver. Remember to buy fresh bait and keep them cold to avoid them from getting soft and allowing the bait to stay within your hooks.

Some of the commonly used baits are cut-baits which include skin from fried chicken, fish entrails, grasshoppers, salmon eggs, shrimps and crayfish tails.

2) How to fish – There are three basic methods for fishing.

* Plunking – It is the most common method used. Use a suitable amount of weight for you to be able to take hold of the bait in a position which is against any current. An option in plunking is to use minimal weight for the bait to move along with the water current.

Back bouncing – It is done by lifting the bait out the bottom and raising the tip of the rod for one to two feet. Allowing the bait to walk with the current, you should free the back reel or spool. Repeat the steps when the lure settles down on the bottom. Back bouncing is effective in deeper water like fishing in a boat.

* Drift-fishing – It is a simple method wherein you cast upstream or downstream. This may vary depending on the current's amount. You should count the appropriate depth and start reeling.

3) How to fish from a boat – It is important to determine in which location you would perform your fishing. Deeper water needs heavier jigheads compared when fishing on shore.

* With heavy weight which keeps your bait near the bottom of the water and the line straight down from your boat, you are able to drift the boat along with any current. A good technique of fishing on boats is trolling slowly with a fishing device called bottom-walker.

Fishing is easy as long as you're enjoying the trip. Bring some of your family and friends along and make your first time fishing a memorable one.

10 Best Tips to Write Effective Emails

Hello Reader,

Nowadays, we communicate more and more through email. We use Email communication to write something to friends, relatives, colleagues or clients. Whoever the recipient of your email, it is becoming very important that you write email effectively. As you know, by writing effective email, you can save your time, other person's time and you can win more trust & confidence from the other end.

Give Reply of Email As soon as Possible

More and more people contact each other through email. Even if they mention directly or not, they expect prompt responses. One of the study by Jupiter Research indicates that 35% of customers expect a reply within six hours, an additional 55% expect a response within 24 hours. Though many people focus on response time, content is just as important. The same study indicated that lack of a thorough response (45%) will cause on-line customers to view a company negatively when considering future purchases.

Learn the art of writing Email

Poorly crafted emails will generate additional emails back & forth, which potentially eating up more of your time. Worse, they can drive unnecessary calls to your most costly channel – your phone. And at that point, customers are bound to be angry and frustrated.

Here are some tips for writing email responses that are both thorough and appropriate:

1. Format your response so that it's easy to read on a screen. Do not write email using very long sentences, which are lengthy horizontally. Each line must be short. Ideally, write 5-6 words in each line only and not more than that.

2. Make sure the subject line is concise and meaningful to the recipient…not just a generic
"Response from Marketing Team" But also be careful that it doesn't look like spam.

3. Have one subject per paragraph. Mention this separately by blank lines, so that its easy to read and understand.

4. Be brief. Use as few words as possible to convey your message. More is not better when
it comes to email. An email is not perceived as an electronic letter.

5. Use simple, declarative sentences. Write for a third or fourth grade audience,
particularly if you're creating templates that are sent automatically. You do not know the
education level of your sender or the sender's level of comfort with the English language.

6. Be sensitive to the tone of the original email. If the sender is upset because of an error on
your part, acknowledge the error. Clearly state what you are doing to correct the situation.

7. Make sure you answer all the questions posed in the original inquiry. A partial answer
frustrates the sender and results in additional contacts. It also makes the company sending
the response look inept.

8. Make it clear what actions you will be taking next and when the writer can expect the
next contact from you.


9. Don't ask for an order number/case number or any old information which you remember out of your mind only when one is included in the original email…sounds pretty basic, but sometimes people miss very obvious info in email.

10. Don't just tell the sender to go to your web site. In many cases, they have already been to
the web site and couldn't find the answers they were looking for. If you want them to go
back to the web site, provide a direct link to the exact information the reader needs.
For more information visit on: http://www.infotrex.com

Blogging - Developing A Readership

You've finally created a blog and you've made your first post. Now how do you get people to actually read what you're blogging about?

Here are some tips on promoting your blog.

1) Quality Content - Interesting content will keep your readership returning. Update your blog regularly.

Googlebot, which is Google's web-crawling robot loves content. The more you update your blog, the more frequent the search engine spiders will return to it.

2) Take part in forums that are related to blogging. Ask other bloggers for their opinion on your blog and take their suggestions to heart.

Ask other bloggers for their opinion on your blog and take their suggestions to heart.

3) Publish an RSS/Atom/XML feed. If you're using Blogger, you can turn on RSS feed by clicking on settings in your dashboard and then clicking on site feed and make sure that your settings are set to yes.

4) Carefully choose your subject titles, taking into consideration what other internet users may be searching for.

Use keywords in your title. I suggest subscribing to Word Tracker. Their report of the most popular searches is published each Tuesday and distributed to over 30,000 subscribers.

Technorati.com , is a blog search engine that also lists the top search words. The more targeted your keywords are, the greater your return in search engines will be.

5) Involve yourself in commenting on other blogs. You can gain a loyal readership just by offering feedback to your fellow bloggers. The comment feature allows you to add a link back to your blog as well.

6) Be sure to include your blog address in forum signatures and in your email signature.

7) Submit your blog to directories.

Submit your blog's url to Technorati, Daypop, Blogdex and Popdex.

8) Write articles. Include a resource box in your article and submit it to article directories such as http://iSnare.com

9) If you're using blogging software such as Blogger, there is an option to notify the central blog update services (such as http://weblogs.com) whenever you've made a new entry to your blog. Make sure that this option is turned on! In blogger, click on publish in your dashboard and make sure that your settings are set to yes under notify weblogs. Alternatively, you can go to http://ping-o-matic.com and send out a ping each time you update your blog. This lets everyone know that you've just updated your blog.

10) Link to other blogs. Use services like blogrolling, which is similar to linking. Blogrolling allows you to maintain an updated list of your favorite blogs. But, don't build a long blog roll of sites that you have no intention of returning to. There is nothing more annoying then visiting a blog that has a humongous blogroll.

Be patient, traffic doesn't happen overnight. The best way that I've found to increase traffic is by getting to know people. Spend what free time that you have, reading blogs, leaving feedback and building friendships. Try to leave comments on the blogs that you visit as often as you can. While you are waiting for the traffic to come, just enjoy blogging. You'll be improving your writing in the process.

Eventually you'll build a network of not just readers, but friends and loyal supporters. Blogging is not just about marketing; it's about creating lasting relationships.

Should You Do Stretching Exercises Before You Work Out?

Everyone needs to make use of some good stretching exercises before they do any other kinds of exercises. Stretching exercises are not something that you need to do just once or twice a week. It is important that you do some great stretching exercises before you exercise each and every time. These stretching exercises will help you to get your muscles warmed up; and ready for anything that you throw at them. With out stretching exercises you are bound to pull some muscles and this can hold you back.

You cannot afford to let your muscles get pulled and torn if you want to get in good shape, that is why it is so vitally important to learn some good stretching exercises.

The stretching exercises that you choose need not be too complex or too fancy, they only need to work. And not all stretching exercises are for everyone. There are different levels to stretching exercises just as there are with any other kind of exercise as well. The stretching exercises that you choose to do each time you work out should suit your exercises and your body.

For example you do not want to try advanced yoga on the first day you have tried yoga. You need to work up to the more advanced levels of stretching exercises. Keep this in mind and start with simple and easy stretches. This is the best way to stay in good shape all throughout your body. Remember that if you hurt yourself doing your stretching exercises you will not be able to do your regular exercises, you will be in too much pain. Even missing a few days can really throw off your stride when it comes to your exercise routines

There are many books out there for you to read that will help you to find the best stretching exercises for your body type and fitness level. If you cannot afford to go out and buy a bunch of these expensive books then consider checking them out at your local library. There you will find all kinds of fantastic stretching exercises and they will not cost you anything, they are all free.

You can also find all kinds of great stretching exercises online. These will be everything that you need in order to start up a good stretching routine. These will keep you in tip top shape all year long and looking your absolute best. There are hundreds of websites on the internet that will be able to supply you with many different stretching exercises. These are the stretching exercises that you need to get your hands on. It is also these stretching exercises that will change your entire life. If your exercise routine needs a little pick me up then you can use these stretching exercises in order to give yours just that.

Musical instruments for your children

Music is the essence of life and I think that no one is untouched with this beautiful gift given to mankind. Even children also love to play music and enjoy it when they get a chance to do so. For this, you require various expensive musical instruments but what if you make your own music instruments at your home with little efforts? It is a fun and inexpensive idea to make Gongs, xylophones, hummers and triangles for children to play.

1. To make a Gong you need an old pie tin or a lid of a large metal popcorn tin, a metal table knife or spoon for a mallet, a hammer and nail, a string. You have to pound two nail holes on the edge of the pie tin or on the side of the popcorn lid two or three inches apart. Thread the string through the holes and tie a knot. The string should be about 1 ½ to 2 feet long enough so that you can easily hold it without touching the pan or tin. Hit the pan with the spoon or knife and you have a loud sound. To soften the sound, you need to wrap the knife or spoon with a piece of cloth and then use a child socks to cover the knife or spoon.

2. To make a Xylophone you require glass pop bottles of same size and then shape work best for a homemade xylophone and for this purpose, water glasses shall also work. Fill the glasses with different amount of water whereby one bottle should be almost filled to the top and the other one with very little water. The other bottles should vary somewhere in between the two. You can use as many or less bottles as you like. A knife or spoon would wok well as a mallet. Hit the side of the bottle or glass gently as each one shall make a different sound. You can even experiment with different levels of water to decide which note pitch you would like most. If you have a piano or other musical instrument that shall make various pitches then you can tune your bottles or glasses to the instrument.

3. Making a hummer is also very easy where you need to have an empty cardboard toilet paper or paper towel tube, a rubber band and a wax paper. Cut a round piece of wax paper that is larger than the ends of the tube. Cover one end with the wax paper and hold in place with the rubber band and make sounds into the opposite end of the tube.

4. You can also make a triangle with the help of a horseshoe or 4 to 8 inches of metal pipe, string and a knife or spoon. Loop the string at the curve of the horse shoe or thread it through the pipe. Tie a knot at the top and hit the horse shoe or pipe with the knife as soon as it dangles from the sting. Make sure that the string is strong enough to hold the pipe.

Be a Happy family :-)

beatifull lombok

name : air terjun sindang gila
location : lombok, NTB
two hour trip from the city
enjoy the beatifull waterfall and scenery
this object tour is near from tourism facility like hotel, cafe, etc
come to lombok
=tanjungtourandtravel=
email : tanjungtourandtravel@yahoo.co.id
or contac me at Facebook

Why do Women Get Attracted to Married Men?

The hooked and booked man is like a forbidden temptation. That's what makes him irresistibly attractive to a woman. He stirs a challenge in her. She feels a sense of power in attracting a man who is already taken. What makes him the catch for her is his confidence, experience and authority. The excitement stems from the fact that he's already taken.

The golden rule here is: you want what you can't have. Soon, this man becomes an overwhelming obsession for a woman. I call it the 'forbidden fruit obsession'.

According to me, there are two reasons for women falling for married men. Firstly, wild attraction. And secondly, vulnerability. For a woman, a married man represents a certain security she craves. A woman feels that a married man - compared to a bachelor - can meet her emotional and material needs in a better manner. Getting a married man signifies a triumph of one woman over another woman. He's a trophy catch. To have him, is about making the impossible.

If a woman wanted a fling, she could have had it with anybody. But a married man at her beck and call makes her value herself more... that he's willing to throw it all over for her. It increases her self-esteem. Mind you, she's enjoying this fantasy, as much as his wooing, his experience and the way he makes her feel extra special.

Sometimes, she likes the fact that he doesn't go weak in the knees in front of her. He's a symbol of authority. This relationship is about adventure and fun. But this is dangerous fun. There's a risk of running another person's life.

Married men love playing games. They give out the vibe - 'I'm married but I'm game'. Married men are always on the lookout for fun. These are men on the prowl. For a woman, it might be difficult to resist the vibes of attraction from a married man. He makes himself so indispensable.

A married man can give you a great time. There are times when this forbidden attraction transforms into love and romance, especially if the man doesn't have a happy marriage. Not all married men are jerks, some even leave their wives and get married to women they love. But the fact is, men and women love playing power games with each other. This is a dangerous game. It can take you through highs and lows, like you've never experienced. Human beings are fragile and one learns from trial and error. So it's you have to decide, whether it is a viable option to have a relationship with a married man.

:-D

Commercial & Business Loan Affiliate Program

We are offering you extremely large commissions just for making referrals to our company. It is legal, there is no license required to receive commissions on commercial mortgage loan referrals as long as the loan are made from one corporation to another corporation.

Just refer clients that need a commercial loan. We do all the work. You Get Paid.

Get other people to become Affiliates. They refer clients to us. We do all the work. You Get Paid.

Your Affiliates can also get others to become Affiliates; their Affiliates will be your Sub-Affiliates. Those Sub-Affiliates refer clients to us. We do all the work. You Get Paid.


You will receive two payouts on all deals:

Payout #1 is a percentage of the Initial Loan Packaging fee (I.L.P), which is paid to you up-front. This is based on the loan size. This is not always charged to clients, it depends on the amount of work involved.

10% of the Initial Loan Packaging Fee goes to you on deals that you refer.
You will also receive 5% of the packaging fee from your Affiliates
and 5% from your Sub-Affiliates' deals.

Example: On a $1,400,000 deal the Initial Loan Packaging fee is $2,500. You will receive 10% of the Initial Loan Packaging Fee at the time of the application which is $250.

Payout #2 is your commission (Com.) THESE ARE THE BIG CHECKS. Your commission is a percentage of the Success Fee that we receive from the Lender when the loan is funded. This fee can be from 3% and up of the loan amount.

Example: You will receive a commission of 30% on the points charged to the client on each loan. So, on that $1.4 million dollar loan with 3% charged the total success fee to Real Business Loans, LLC would be $42,000 and your commission would be $12600, in addition to the up-front Initial Loan Packaging fee that you received, with little or no work on your part.

You also receive commissions when your affiliates earn commissions.

Below is an example of how having a few Affiliates can make you money even when you are not doing anything.

Schedule A
Commissions

Your Referrals
You REFER the client.
WE do all the Work.
you get paid.

Loan Amount $1,400,000
Initial Loan Packaging Fee $2,500
Your Initial Loan Packaging Fee percentage 10%
You get paid within that week $250
3% Success Fee $42,000
Your Success Fee Percentage 30%
Paid to you upon closing $12,600

Level 1 Your Affiliate Referrals
You don't have to do anything here.
Your Affiliate Refers the client.
We Do all The Work.
you and your affiliate get paid.
Loan Amount $1,400,000
Initial Loan Packaging Fee $2,500
Your Initial Loan Packaging Fee percentage 5%
You get paid within that week $125
3% Success Fee $42,000
Your Success Fee Percentage 5%
Paid to you upon closing $2100

Level 2 Your sub-affiliates Referrals
You don't have to do anything here either.
the Sub-Affiliate refers the client.
We Do all The Work.
you, your affiliate and Sub-Affiliate get paid.
Loan Amount $1,400,000
Initial Loan Packaging Fee $2,500
Your Initial Loan Packaging Fee percentage 5%
You get paid within that week $125
3% Success Fee $42,000
Your Success Fee Percentage 5%
Paid to you upon closing $2100


If the possibility of making all this money with no work at all on your part is okay with you then please visit us online at http://www.venturecapital.20m.com/loan_affiliate_program.html to sign up now!

KLIK THIS ONE

What Makes A Successful Home Business Entrepreneur?

Studies have shown that successful entrepreneurs and home business owners possess the following characteristics. Do you?

1. Do you have Self-confidence?
This is the magical power of having confidence in yourself and in your strengths and abilities. This isn't bravado or braggadocio but an unshakeable belief in yourself.

2. Are you Achievement Oriented?
Results are gained by focused and sustained effort. You concentrate on achieving a specific goal, not just accomplishing a string of unrelated tasks.

3. Are you a Risk Taker?
There is a chance of loss inherent in reaching for any goal, yet you have the confidence necessary to take calculated risks to achieve your goals.

So which of these three main characteristics is the most important? Believe it or not, it is self-confidence.

Without self-confidence, nothing else is possible. If you don't believe in your abilities, then the first challenge that arises may knock you off the path to achieving your goals. Here are a few things to keep in mind for maintaining a higher level of self-confidence.

* Positive Thinking
It all starts with a positive attitude! Believing that something good will happen is the first step.

Negative thinking is just not allowed (so stop it right now). You must truly believe that there are no circumstances hard enough to deter you from reaching your goals.

Try the exercise created by French psychotherapist Emile Coue - every morning repeat "Every day, in every way, I am getting better and better." You might be surprised that this simple exercise has been getting results since the early 1900s!

Remember too, that positive thinking can be contagious. When positive thinking spreads, it can open doors to new ideas, customers, friends, etc.

* Persistent Action
All the positive thinking and believing in the world is useless if it is not applied towards a goal. You have to take action, no excuses allowed. This action must also be persistent. Trying once and then giving up is not going to be enough. Keep at it one step at a time. If you can't get by a certain step, then find a creative way to try again or go around it.

Entrepreneurs are people who make decisions, they take action and control their own destinies. They are often motivated by a spirit of independence which leads them to believe that their success depends on raw effort and hard work, not luck.

As Ronald Regan pointed out: Entrepreneurs and their small enterprises are responsible for almost all the economic growth in the United States.

Look ahead and see yourself where you want to be, maintain a strong belief in yourself and your skills, stick with it, and never give up. If you can do that, you're already half way there!

We'll leave you with a couple of quotes from Sir Winston Churchill (1874 - 1965):
"Success is the ability to go from one failure to another with no loss of enthusiasm."
"For myself I am an optimist - it does not seem to be much use being anything else."

Onwards!

Job Hunting: Networking With Others is the Keys to Success

You can never underestimate the power of networking. Often success is directly proportional to the size of the social circle.
Whether you are looking for an entry level job or wanting to climb the career ladder you will need some kind of networking savvy in order to survive in the business world.

If you are looking for an entry level job your networking skills might be more important than the quality of your CV. Research shows that most jobs are obtained through contacts before the jobs even become open to the general public. In the established business world strong networking skills are shown to be one of the most powerful predictors in success. If you struggle with people skills and need some help expanding your network read on.

You will need to collect up all the business cards and contact numbers of the people you already know. Make one central place where you keep all your contacts' information.

The Internet opens up a myriad of opportunities for those nervous about networking and interpersonal skills. With email and web sites you can reach a wider network than you ever could the 'old fashioned way'. Even building a simple website could open up many new (international) contacts and opportunities. If you are able to effectively network online can be one of the most effective tools for those seeking jobs. Discussion forums, newsgroups, discussion groups and exchange ideas - and most importantly contact details.

There is no substitute for good old fashioned networking. You cannot replace the value of a first impression or underestimate the importance of really meeting people vs meeting online (although online meetings can reduce the stress and pressure associated with the first meeting).

If you are hesitant about networking because you lack confidence, then perhaps consider joining an organization such as Toastmasters. This is a public speaking organization which will help you build confidence and you can join from anywhere in the world. An added bonus - you will meet many new contacts and expand your circles.

Get creative with your networking. Look for opportunities to meet people and widen your social and business circles. If you are new to the job market, here are some networking strategies for first time job seekers. If you are looking for a job you need to keep expanding your network continually.

1. Make sure you understand how to use the internet to search effectively. Use all ways you can think of to come across new opportunities as they arrive

2. Create a spreadsheet or table, of all your contacts. Add as much information as you can: things like company names, titles, names of key contacts, phone numbers, and emails - any information you can. Leave space for notes and keep your table as organized and up to date as possible.

3. Regular contact: this is vital to the success of your network. Use any opportunity to connect. Ask advice, offer information you think will be useful to them - find reasons to communicate. When they respond make sure to thank them. It's important not to take your network for granted.

4. Initiate face to face contact whenever possible.

5. Never pass up an opportunity to get out there and network. If you are in an industry that requires more networking and socializing then limit the amount of times you may say 'no'. For example for every 2 invitations you turn down you must attend one.

6. Collect your contacts and feel free to call on them should the need arise.

7. Thank your contacts whenever they do something for you. Always be polite and courteous and do your best to respond to them timorously too. You want to come across as professional.

thanks for read this :-)