Syifa sleeping n dreaming
Friday, December 19, 2008
Sunday, November 16, 2008
Saturday, November 15, 2008
Sunday, October 19, 2008
Kenali Jenis Penghasilan Anda!
Semakin canggih kecerdasan finansial Anda, maka hampir bisa dipastikan kekayaan Anda akan semakin meningkat.
Berikut adalah jenis-jenis penghasilan yang mungkin selama ini telah Anda dapatkan dan ingin mengetahui jenis penghasilan yang seperti apa yang mampu mempercepat kebebasan finansial seseorang.
Menurut penulis buku dari Inggris, Peter F Clothier, jenis-jenis penghasilan dibagi dalam 3 kategori, yaitu:
1. Penghasilan Linier
2. Penghasilan Residual
3. Penghasilan Multiplikasi
PENGHASILAN LINEAR
Penghasilan Linier adalah penghasilan yang berbanding lurus dengan kerja yang kita berikan.
Contoh: Anda bekerja sebagai karyawan di sebuah kantor. Di akhir bulan, Anda mendapat gaji Rp 1.000.000,- sebagai hasil pekerjaan Anda di bulan yang baru lalu. Bulan depan Anda bekerja lagi di kantor yang sama dan mendapat gaji yang sama di akhir bulan. Anda bekerja dulu, lalu dibayar. Begitu seterusnya.
Sama halnya jika Anda bekerja sebagai wirausaha. Misalnya membuat roti tawar. Bulan ini Anda membuat 3000 buah roti, dan Anda mendapat untung dari penjualan ke-3000 roti tawar itu. Lalu Anda membuat lagi 3000 buah roti tawar di bulan depan dan menjual ke-3000-nya untuk mendapat untung.
Penghasilan jenis linier inilah yang banyak dikerjakan oleh sebagian besar warga masyarakat. Namun perhatikanlah: bahwa gaji pegawai swasta atau pegawai negeri memang tidak dirancang agar pegawai tersebut bisa hidup makmur (kaya). Paling tidak, hanya cukup untuk sekedar hidup.
Penghasilan seperti ini tidaklah aman (insecure), terutama bagi putra-putri Anda. Apalagi bila Anda tidak memiliki tunjangan pensiun. Apa yang terjadi kelak bila Anda dan pasangan Anda tiba-tiba dipanggil Tuhan (moga-moga kita semua diberikan umur panjang oleh-Nya)? Apa yang harus menjadi sandaran hidup bagi putra-putri Anda? Bila Anda dapat menjawab pertanyaan terakhir ini, maka penghasilan Anda sudah termasuk kategori aman. Namun bila tidak, sebaiknya Anda membaca terus artikel ini hingga tuntas.
PENGHASILAN RESIDUAL
Penghasilan Residual adalah semacam royalti yang diberikan atas usaha atau jerih payah yang kita lakukan di masa lampau. Bila Anda adalah penulis lagu, atau penulis buku, maka Anda mendapatkan income dari penghasilan jenis residual ini.
Anak-anak dari seorang penulis lagu, bisa mendapatkan royalti atas karya ayahnya. Demikian juga anak-anak dari ilmuwan yang karyaciptanya dihakpatenkan. Honor dari penulisan buku yang masuk kategori best seller juga bisa dijadikan penghasilan terus-menerus bagi anak-cucu. Jenis penghasilan residual ini lebih aman dibandingkan penghasilan linier.
Penghasilan residual juga dinikmati oleh para agen asuransi. Sekali sebuah polis ditutup oleh agen, maka komisi penjualan ini dapat dinikmati rata-rata hingga 12 bulan ke depan.
Penghasilan residual lebih menjanjikan kemakmuran dan keamanan (secure), namun Anda harus memiliki kelebihan seperti pencipta lagu, penulis buku, penemu, atau bidang yang menghasilkan royalti lainnya. Anda harus menggali ke dalam diri Anda sendiri, apakah yang bisa Anda hasilkan hingga Anda pantas mendapatkan penghasilan jenis ini?
PENGHAILAN MULTIPLIKASI
Penghasilan Multiplikasi saat ini hanya terdapat pada bisnis Penjualan Langsung (Direct Selling/Network Marketing/Multilevel Marketing). penghasilan ini diberikan atas usaha / jerih payah Anda di masa lampau, namun terus berkembang atas usaha pelipatgandaan yang dilakukan oleh downline distributor di bawah Anda. Jadi Anda bukan saja mendapat royalti (penghasilan dari usaha masa lampau), namun akan terjadi multiplikasi dari penghasilan itu sendiri. Disini Anda tidak bekerja sendiri, namun merupakan kerja team.
Sesuatu kaidah yang penting dari penghasilan Multiplikasi adalah: Penghasilan Multiplikasi tidak mungkin di dapat dari bisnis money game di internet (yang "hit and run", atau "gasak dan kabur"), juga tidak mungkin di dapat dari sistem binari dan sistem piramid yang bermotivasi penipuan. Namun penghasilan multiplikasi yang sah dan halal adalah dengan penjualan barang dan pemesanan ulang (repeat order).
Adanya pasar, repeat order dan team pemasar yang kita bina inilah yang akan menghasilkan penghasilan terus-menerus. Sehingga walau kita dan pasangan telah tiada, maka putra-putri kita akan mendapatkan royalti dan multiplikasi penghasilan dari team pemasar dan repeat order yang telah dibangun oleh orangtua-nya.
Pada mulanya, penghasilan multiplikasi tidaklah langsung dapat dijadikan sandaran hidup. Beberapa distributor yang memulai membangun pasar dan team pemasar langsung biasanya akan mendapat komisi sangat kecil, misalnya Rp 8.000,- di bulan pertama. Lalu menanjak sedikit-demi sedikit menjadi Rp 15.000,- di bulan kedua, dan seterusnya. Setelah satu atau dua tahun biasanya penghasilan multiplikasi-nya telah melebih gaji di kantornya (jutaan rupiah), hingga banyak distributor yang beralih menjadi full time dalam menekuni bisnisnya. Beberapa networker sukses telah mencapai penghasilan puluhan hingga ratusan juta rupiah setelah berjuang 3 hingga 5 tahun. Komisi dan bonus hasil penjualan yang didapat adalah motor, mobil, mobil mewah dan rumah. Juga biasanya ada liburan ke luar negeri dan asuransi. Apakah Anda bisa mendapatkan gaji puluhan juta setelah 3 tahun kerja Anda sekarang?
Kenapa penghasilan multiplikasi dikatakan aman? Katakanlah saat ini Anda memiliki 500 team pemasar di group Anda yang menghasilkan income lebih dari 20 juta rupiah perbulan. Di titik ini Anda bisa pensiun dan meluangkan waktu untuk liburan bersama keluarga, otomatis Anda sudah bisa menikmati pensiun muda dengan nilai sangat besar. Sementara jaringan Anda akan tetap berkembang melipatgandakan diri, yang mengakibatkan income bulan depan akan lebih besar dari bulan ini. Seandainya Anda dan pasangan harus menghadap Yang Kuasa, maka penghasilan multiplikasi ini akan dapat dinikmati oleh putra-putri untuk kuliah di luar negeri dan melanjutkan hidup dengan tingkat kemakmuran yang tinggi.
Apakah saat ini Anda sudah tertarik untuk mendapatkan pengasilan multiplikasi seperti gambaran di atas? Mungkin gaji Anda sudah cukup untuk hidup sebulan di saat ini. Tapi apakah yang terjadi bertahun-tahun nanti bila putra-putri Anda sudah besar dan biaya kuliah sudah mulai mencekik leher? Investasikanlah beberapa tahun dalam hidup Anda (biasanya 3 tahun) untuk membangun team pemasar langsung hingga Anda mencapai jenjang puncak. Bebaskanlah keluarga Anda dari masalah finansial dengan Wirausaha Mandiri.
Wednesday, October 1, 2008
Sunday, September 7, 2008
Tiens Member Card
Miliki kartu ini, jalani langkah kerjanya dan wujudkan mimpi anda. www.gototiens.co.cc
Saturday, August 30, 2008
Sunday, July 27, 2008
Privacy Policy
This is the web site of jobpal894.blogspot.com.
We can be reached via e-mail at babyboomers94@gmail.com or you can reach us by telephone at 085710256731
For each visitor to our web page, our web server automatically recognizes the consumer's omain name and e-mail address (where possible).
We collect the domain name and e-mail address (where possible) of visitors to our Web page, the e-mail addresses of those who communicate with us via e-mail, aggregate information on what pages consumers access or visit, user-specific information on what pages consumers access or visit, name and address, telephone number, fax number, payment information (e.g., credit card number and billing address).
The information we collect is not shared with other organizations for commercial purposes.
With respect to cookies, we use cookies to store visitors preferences, record session information, such as items that consumers add to their shopping cart, record user-specific information on what pages users access or visit, record past activity at a site in order to provide better service when visitors return to our site .
If you do not want to receive e-mail from us in the future, please let us know by sending us e-mail at the above address.
From time to time, we make the e-mail addresses of those who access our site available to other reputable organizations whose products or services we think you might find interesting. If you do not want us to share your e-mail address with other companies or organizations, please let us know by calling us at the number provided above.
From time to time, we make our customer e-mail list available to other reputable organizations whose products or services we think you might find interesting. If you do not want us to share your e-mail address with other companies or organizations, please let us know by calling us at the number provided above.
If you supply us with your postal address on-line you will only receive the information for which you provided us your address.
Persons who supply us with their telephone numbers on-line will only receive telephone contact from us with information regarding orders they have placed on-line.
With respect to ad servers, to try and bring you offers that are of interest to you, we have relationships with other companies that we allow to place ads on our Web pages. As a result of your visit to our site, ad server companies may collect information such as your domain type, your IP address and clickstream information.
From time to time, we may use customer information for new, unanticipated uses not previously disclosed in our privacy notice. If our information practices change at some time in the future we will post the policy changes to our web site to notify you of these changes and we will use for these new purposes only data collected from the time of the policy change forward. If you are concerned about how your information is used, you should check back at our web site periodically.
Customers may prevent their information from being used for purposes other than those for which it was originally collected by e-mailing us at the above address.
With respect to security, we have appropriate security measures in place in our physical facilities to protect against the loss, misuse or alteration of information that we have collected from you at our site.
If you feel that this site is not following its stated information policy, you may contact us at the above addresses or phone number.
We can be reached via e-mail at babyboomers94@gmail.com or you can reach us by telephone at 085710256731
For each visitor to our web page, our web server automatically recognizes the consumer's omain name and e-mail address (where possible).
We collect the domain name and e-mail address (where possible) of visitors to our Web page, the e-mail addresses of those who communicate with us via e-mail, aggregate information on what pages consumers access or visit, user-specific information on what pages consumers access or visit, name and address, telephone number, fax number, payment information (e.g., credit card number and billing address).
The information we collect is not shared with other organizations for commercial purposes.
With respect to cookies, we use cookies to store visitors preferences, record session information, such as items that consumers add to their shopping cart, record user-specific information on what pages users access or visit, record past activity at a site in order to provide better service when visitors return to our site .
If you do not want to receive e-mail from us in the future, please let us know by sending us e-mail at the above address.
From time to time, we make the e-mail addresses of those who access our site available to other reputable organizations whose products or services we think you might find interesting. If you do not want us to share your e-mail address with other companies or organizations, please let us know by calling us at the number provided above.
From time to time, we make our customer e-mail list available to other reputable organizations whose products or services we think you might find interesting. If you do not want us to share your e-mail address with other companies or organizations, please let us know by calling us at the number provided above.
If you supply us with your postal address on-line you will only receive the information for which you provided us your address.
Persons who supply us with their telephone numbers on-line will only receive telephone contact from us with information regarding orders they have placed on-line.
With respect to ad servers, to try and bring you offers that are of interest to you, we have relationships with other companies that we allow to place ads on our Web pages. As a result of your visit to our site, ad server companies may collect information such as your domain type, your IP address and clickstream information.
From time to time, we may use customer information for new, unanticipated uses not previously disclosed in our privacy notice. If our information practices change at some time in the future we will post the policy changes to our web site to notify you of these changes and we will use for these new purposes only data collected from the time of the policy change forward. If you are concerned about how your information is used, you should check back at our web site periodically.
Customers may prevent their information from being used for purposes other than those for which it was originally collected by e-mailing us at the above address.
With respect to security, we have appropriate security measures in place in our physical facilities to protect against the loss, misuse or alteration of information that we have collected from you at our site.
If you feel that this site is not following its stated information policy, you may contact us at the above addresses or phone number.
Sunday, July 20, 2008
Tuesday, July 8, 2008
Sunday, July 6, 2008
Take Better Photographs
Take Better Photographs
By: Ju Ashman
People think that with the arrival of the digital camera, it is easy to take good photographs.
What is easy, is for us to delete the bad ones. It is still tricky to take a good photograph.
The best thing you can do is relax and not be in too much of a hurry to take a photograph. Really take time to compose your shot and make sure everything looks right before you press that shutter. Even though it easy to just delete the picture with digital, it is good practice to slow down, otherwise you could end up with 50 quickly taken photos and not a decent shot among them.
There are many ways that even the average snapper, with a few pointers, can take photographs that will actually make them money.
If you are trying to sell your work to magazines or other publications, the following tips will help you with some of the techniques needed to take a photograph that will sell.
1) Always use a tripod or monopod when shooting in bad light or when usinga slow speed. If you haven't room for either, pack a small beanbag to steady the camera.
2) To avoid camera shake, hold the camera in a comfortable position before you take the shot, squeeze the shutter gently and tuck elbows into the body to avoid camera shake.
3) Try and fill the camera frame with your subject for greater impact (unless your photois for a magazine cover in which case you need to leave room at the top for the title).
4) Look ALL AROUND the viewfinder before you press the shutter to avoid any clutter spoiling the photo or any stray branches sticking out of a subjects head!
5) When photographing kids, try to shoot them when playing and having fun for more spontaneous pictures. Don't forget to get down to their level otherwise you will end up with shots of the top of their head.
6) When taking photographs, especially landscapes, always turn around and look BEHIND you.There has been many an instance of the best photo of a shoot lurking there.
I hope these points will help you take better photos. Have fun with your camera.
Author Bio
Julie Ashman. Visit www.e-information.co.uk for a superb business manual containing more than 10 ventures you can start with your camera.
Article Source: http://www.ArticleGeek.com - Free Website Content
By: Ju Ashman
People think that with the arrival of the digital camera, it is easy to take good photographs.
What is easy, is for us to delete the bad ones. It is still tricky to take a good photograph.
The best thing you can do is relax and not be in too much of a hurry to take a photograph. Really take time to compose your shot and make sure everything looks right before you press that shutter. Even though it easy to just delete the picture with digital, it is good practice to slow down, otherwise you could end up with 50 quickly taken photos and not a decent shot among them.
There are many ways that even the average snapper, with a few pointers, can take photographs that will actually make them money.
If you are trying to sell your work to magazines or other publications, the following tips will help you with some of the techniques needed to take a photograph that will sell.
1) Always use a tripod or monopod when shooting in bad light or when usinga slow speed. If you haven't room for either, pack a small beanbag to steady the camera.
2) To avoid camera shake, hold the camera in a comfortable position before you take the shot, squeeze the shutter gently and tuck elbows into the body to avoid camera shake.
3) Try and fill the camera frame with your subject for greater impact (unless your photois for a magazine cover in which case you need to leave room at the top for the title).
4) Look ALL AROUND the viewfinder before you press the shutter to avoid any clutter spoiling the photo or any stray branches sticking out of a subjects head!
5) When photographing kids, try to shoot them when playing and having fun for more spontaneous pictures. Don't forget to get down to their level otherwise you will end up with shots of the top of their head.
6) When taking photographs, especially landscapes, always turn around and look BEHIND you.There has been many an instance of the best photo of a shoot lurking there.
I hope these points will help you take better photos. Have fun with your camera.
Author Bio
Julie Ashman. Visit www.e-information.co.uk for a superb business manual containing more than 10 ventures you can start with your camera.
Article Source: http://www.ArticleGeek.com - Free Website Content
Sunday, June 1, 2008
Syifaku cantik
Syifa cantikku sudah berumur 5 bulan. Alhamdulillah syifa tumbuh dengan sehat. Sungguh tawanya bagai bara semangat dalam hidupku..
Monday, February 18, 2008
Sunday, February 10, 2008
NurHard
Aku dan istriku..kepadanya kulabuhkan bahtera cintaku..demi senyumnya aku rela berpeluh..demi tawanya aku takkan mengeluh..dihari mendatang kubayangkan masa depan yang gemilang..tuk itu ku akan terus berjuang..dan kuyakin hari kemenangan itu kan datang..
Thursday, January 31, 2008
My first doll
Syifa alifia nurhardianti..anak pertama saya..untuknya saya perjuangkan sgalanya..saat mlihat tangis dan tawanya..saat itu mgalir energi positif dlm dalam aliran darahku..aku harus berjuang tuk tawanya dmasa depan..dan bila ia menangis itu adalah airmata bahagia..karena ia merasa bangga karena saya terus berjuang tuk masa depannya yg cerah
Subscribe to:
Posts (Atom)
