Many people, especially those who work as employees, were optimistic that he will be able to enjoy a pleasant retirement. "My company have a retirement fund for me later, why should I bother … think preparation pensions," comments some from them. True, everyone will want to experience an enjoyable retirement and not disturbing. Therefore, many companies that provide pension fund for employees who have worked hard for this, so they can retire in peace. But, have you ever counted how many Pension you would get from the company’s future? If yes, have you ever counted how many actually needs of your life after retirement future? And have you ever compared the two, so you know whether your retirement money or not enough to finance your life?

What often happens, people rarely try to find out whether their pension money enough to pay for living in retirement in the future. They just hang pension money from companies as a source of living expenses in retirement. In fact, only he himself knows exactly how many necessities of life after retirement, not the company. Therefore, it is very important to know whether your retirement money or not enough as the holder of your life someday. When enough, maybe not be a problem. But if not, then you are, willy-nilly, must add to yourself, so that later collected enough funds to finance the retirement your life.

How to add TWO RETIREMENT

Previously, we already mentioned the need to add your own pension funds if it is later, after a calculated, Money you receive from your pension company is not enough to finance your retirement life. Then, how do I add your own retirement fund? Broadly speaking, there are 2 ways you can do:

Open a side business

Saving regularly

We will discuss the pros and cons of each of these alternatives one by one:

1. Opening the Business Side

Open a side business, the point is to raise their income outside of work, so the results from the sideline can be used as additional funds to finance the retirement life. Open a side business can be very profitable, because usually by opening a business, can be obtained results large in a faster tempo. But keep in mind, these successes can be obtained only with proper management and concentration. The second thing that is difficult to obtain, remember you still tied to the job. Often a person is too focused on the job side, so the main job instead be abandoned. This of course could lead to even worse kondite that can inhibit your career and also inhibit the income from main employment.

Open a side business is also not free from risks, especially financial risks. There is a possibility, a side business could also lose money. If that happened, rather than additional funding for pension costs is obtained, but might now funds for living expenses was up to nombok. But, not means you can not open a side business to prepare for your retirement, you know. You can still open a side business to prepare for retirement, home is ready with all the consequences you will face.

2. Saving The Routine

This second alternative is relatively easier than the first. You can set aside some money from regular income to put into savings. Later, these savings will continue to grow until it reaches a fairly large amount. The advantage of this saving is that you do not need to sacrifice time and thoughts, so it can continue to concentrate to your main job. With continue to concentrate on the main job, your performance can get better, and automatic income can also be improved. So, you benefit double: career and a better income, and income from the continued development of savings. However, it does not mean saving money is not a flaw.

Weakness, by saving money, means the period you can collect the funds longer than opening a side business. Not to worry, These weaknesses can be overcome by starting to save money since from now.

LIFE IN THE NEED FOR RETIREMENT

Maybe you’ve said, "If I retire, I would certainly cost of living will decline. I, do not Shop-Shop. "Opinions are some validity, but not entirely correct. Neko-Shop or not, at retirement, there will be changes in the total cost for each of your expense items. And because you is not working anymore, then the likely cost of transportation as well as clothing and accessories will be reduced in number.

Conversely, because of your age when it was already getting old, health costs typically increase rapidly. For hobby and entertainment costs also increased, in line more and more free time you have. While heading a private shopping, phone, water, and electricity is usually tend to stay. Of the approximate rise and decrease the cost of each expenditure heading, you can calculate yourself how much roughly you’ll need for life after retirement.

HOW EASY, saving ROUTINE

Saving regularly can be an alternative to get additional money to easily retire. Simply by setting aside a portion of any income months, then at a later date, you can reap the results. Indeed, no denying that saving is an alternative which takes longer time instead of opening a business. Therefore, we can do with how to save as early as possible, starting from now. When you save own, then you should be able to estimate the savings period and the level of the results obtained (return), in order to obtain savings results which can provide for your retirement funds later.

Often, people underestimate the savings on a regular basis, let alone in a small nominal. A hundred thousand or two hundred thousand per month, for example. But, believe it or not, the old adage "A little-bit too long into the hill" that’s been proven. Simply, such as money USD 500 thousand per month, you can get a fairly large sum of money after a certain period of time. Here are illustrations of what you’ll get when you save Rp 500 thousand per month for 15 years, assuming interest rates or a particular outcome.

TABLE: Term of 15 years monthly deposit: USD 100 thousand / month LEVEL ASSUMPTIONS RESULTS (return) per year

10% = USD. 41,792,427

15% = USD. 67,686,309

20% = USD. 113 429 490 Assuming a monthly interest bearing

From the above illustration, you can see that if you save regularly USD 500 thousand per month to within, say, investment products in the bank with interest 10 per cent interest per annum, then after 15 years, your money would be approximately USD 200 million more. When you save with a rate of 15 percent money to Rp 338 million more, and if the result is 20 percent rate, the amount of money would be nearly USD 567 million more. In fact, your total deposit during 15 years was only Rp. 500 000 X 12 months x 15 years = USD 90 million. Remarkable, is not it? Only by saving USD 90 million, you can get a lot of investment results.

So, what are you waiting? just saving your money from now for your retirement.

source: agungadiono.blogspot.com/…/pentingnya-menabung-untuk-pensiun,

re-written by Ai Cahyati

The researchers, led by Barry Sinervo, professor of ecology and evolutionary biology at the University of California, Santa Cruz, the main survey on lizard populations in the world, studying the impact of rising temperature on the lizards, and use their findings to develop a prediction pattern risk of extinction.

Their model accurately predicted the specific locations on five continents – North and South America, Europe, Africa and Australia, where previously lizard populations studied already extinct. Based on the predictions of the possibility of local extinction, the possibility of extinction of species is estimated at six percent by 2050 and 20 percent in about 2080.

"We did a lot of work in the field in order to validate the model and show that extinction is a result of climate change," said

Sinervo. "None of this is caused by loss of habitat. All these locations have not disturbed, and most of these animals were in national parks or other protected areas. "

Scientists say that since the extinction popluasi lizard is going directly related to climate change, then the limiting carbon dioxide production – Which triggered the global warming – it is important to avoid the extinction of a lizard on a wave of the future.

source: antaranews, re-written by Ai Cahyati

A water source that comes from the former pit village of fallen trees in Betek, Mojoagung District, Jombang, since a few days be fight the people to drink. The people believe, the water can cure many diseases. Puddle emerged since Saturday (27/2/2010), following the collapse of a large tree by the local people named iprik or banyan tree rubber (Ficus retusa). Large trees are uprooted when a tornado hit.

Sholeh, one citizen said, a day after the fall of trees, in a puddle or a falling tree holes that emerged from the water source under the tree or tree roots.

"We think if we drinking that water, can able to heal all diseases. Initially, I was exposed to the disease rheumatic pain, but after drinking the water, I was instantly cured the disease, "Sholeh said , Thursday (4 / 3).

The same thing also was said by Yusuf, the local residents. According to the young men, based on stories from generation to generation, is already iprik trees hundreds of years old.

"It is said that already existed since 1800," said Yusuf.

When collapsed, said Yusuf, in addition to raise the water source, in the pools there is also the ancient bricks. "Although the water dirty, but desperate people take it because they considered of benefit," explained Yusuf.

Yusuf told, dozens of people began to invade and fight over water is considered auspicious Tuesday (2 / 4) then. By using makeshift equipment, such as glasses and bottles of mineral water, the people took the water. There’s even a hold in the bucket, and then distributed to relatives and friends who need it. There is also a direct drinking water despite the muddy bottom of the tree.

Chairman of the MUI (Indonesian Ulama Council) Jombang, KH Cholil Dahlan said, behavior can not be banned citizens. Only, he advised, if they get a cure, should keep in mind, it was all just a means. "Do not let the lead to shirk. Because the recovery of human remains God’s decisive, "said Cholil Dahlan.

According to the science of plants, plant banyan iprik or rubber has the scientific name Ficus retusa. It is unclear whether there are particular benefits from this plant. However, the literature mentions that this plant is fast growing, trunk rounded, lush green leaves and spread, and the height can reach 17 meters – more than a lamppost. What is clear, among bonsai enthusiasts, tree iprik familiar. Because quite a lot of tree species are used as rnamental plants in the form of bonsai.

1.    When you have to meet face to face with an important person, say that you are the same as him/her. Say in your heart that you are important as well him/her.
2.    If you need him because you are as an employee of him/her, you have to believe that he/she needs you as well. Think that without you, he/she will not be like that.
3.    You must always remember that he/she is human beings, not God, not anyone. He/she is the same with you, the creatures of God.
4.    Believe that he/she has the same feeling as you do.

Well, this is my experience that I get as long as I work at a company. Maybe you will feel the same as I do that we feel nervous when we have to meet with an important person. If you gave any experience to overcome the feeling, let us know by commenting below.

Maybe you think that the prizes that had made us have a spirit to win. No, you are wrong. The winner got nothing, no money, no medal, or whatever.

However, we gave what we had, skill and knowledge of football although we knew we would not get nothing. We did that because we were PROUD to win. Pride is the power we had at that time.

Let’s see at this time. What has encouraged you to your current work? Bloggers Engineers, Drivers, even the President. Is it because of MONEY?

I would say: YOU WILL GET NOTHING from your works. Be proud if you are a blogger, an engineer, a president or whatever. Money is the second but be sure, it will follow gradually.

I also write this article at kangrohman.com

You must believe that your success will be built of your dreams. The belief of having success is the asset as well to reach it. You should see that many successful entrepreneurs can change an empty land becomes a luxury housing, high building or anything else. This happens because they have a dream.

Besides that, if you want to succeed in your career or work now, you should enjoy your work. Without it, you will always feel being forced to do something. Do you like it? I am sure not. How can I enjoy my work if I do not like it? Yes, you are right. That is the problem and that is your fault as well. First thing you should do is to find the work that you like the most. After this, you should enjoy your work and get your success in the future. I would like to ask you now, “What are you now? Are you a doctor? Are you an engineer? Are you a blogger? Is it your choice?”

Well, please answer those questions in your hearts.

I do apology for having given you the advice. Actually, I write it for myself. However, if you like it, I’d say thanks so much.