Today is the xx (cant recall how many days have passed) days that we have little communication.
i really miss him today and dont know why keep thinking about him :/
this morning he texted me saying he gotta go to that registration place and when i replied it from office,
he was already gone :( and i havent got any news from him up till now... where are u babs? :'(

and to top this missing thingy, i suddenly feel like jelly now to ANYONE !
just like how he used to feel on me before...
am still afraid he might look or fall to other girls :(
thats why i really wanna go to his place and spend days with him so that he wont look anywhere D:
ahahahha silly >.<

fortunately this morning was kinda busy at work n just a bit relaxed now...
thats why i have time to write this. the day went kinda nice (i guess it will still b nice up till tom again XD)
except the part that he is nowhere to be found tho :o

this love is kinda crazy, cant believe i can fall deeply like this :/
i hope he will always stay faithful to me o:) coz i love him so damn much...




0comments

hari ini ternyata sama aja kya kmrn2... nothing changed...
gatau apa yg salah knp semua ga pnh bjlan dgn baik antara gw n dy..
banyak hal yg pgn gw omongin tp gw gatau hrs mulai dari mana,
banyak perasaan yg tertahan di hati dan rasanya sakit banget :)
campur aduk marah, sedih, sebel, capek dan gw bener2 sedang dalam tahap menuju stress tingkat tinggi ahaha...
gini salah, gitu salah, trs gw harus gmn dong? diem aja kali ya kaya org2 blg diem itu emas.
tp gw diem disangkanya macem2.. aaaarrghhhh !! kapan hati gw bsa terasa plong ya :'(
tiap hari pst ada aja nangisnya plg ga 1x, ya ampunnn knp sih dgn diri gwwwwww !!!

0comments

Heya been a long time i didnt write here... uhh..
i just feel bad today that i really want to write it down since idk to whom should i talk about it..
have u ever felt u love some1 that ur heart would explode everytime u think about them,
u get easily jealous coz u dont wanna share that person to any1 n i mean literally EVERYONE...

i just felt that... n i hate that hurt sensation i get in my heart everytime i feel that way...
its not sth i can control... i love him, i wanna be with him, im afraid he will leave me coz im boring
and coz i cant be there for him everytime he needs me or misses me... :(

y do i feel insecure that idk what to do.... i wanna hold him, i want him to hug me...
sometimes i really wanna cry coz i cant make him happy for being with me...
i wanna do nice things to him but i ended up doin sth that makes him mad or sad or such...
what should i do... :'(

0comments

Gotta be kidding :)) What a crazy invention XD

0comments

Back again on this blog ! :D
This time I'll share a lil bit information on mutual fund (read : reksadana). Mutual fund is a professionally managed type of collective investment scheme that pools money from many investors and invests typically in investment securities (stocks, bonds, short-term money market instruments, other mutual funds, other securities, and/or commodities such as precious metals).^[1] The mutual fund will have a fund manager that trades (buys and sells) the fund's investments in accordance with the fund's investment objective. (taken from wikipedia)

I'm kinda interested on this stuff since so many people say that this kind of investment gives you higher return than bank saving. From what I read on some forums, you can start investing on mutual funds just by having IDR 1mio ! :) 1 thing for sure if you decide to invest on mutual funds, first you have to set your goal. Either it is for your retirement plan, education or whatever. If you will need the money for more than 10 years then you can put your money on RDS (reksa dana saham) - I will only use indonesian abbreviation here to avoid confusion. If your goal is need to be achieved less than 10 years then it's better to invest on RDPT / RDPU (reksa dana pendapatan tetap / reksa dana pasar uang) or RDC (reksa dana campuran) for med-term 3-5 years.

Anyway what I want to discuss here is about RDS. Some important things you need to know is :

1. Choose whether to invest right from the investor management company or from the bank.
2. Find out whether the MI (investment manager) is reliable and trustworthy enough.
3. Choose the product.

If you choose to invest via bank, go to bapepam to check if the bank you choose have an APERD license from the government (agen penjual efek reksa dana). And then find out the products each bank sold because the products sold may be vary for each bank. Then this is the next thing you need to know :

    NAB (nilai aktiva bersih) : it means the market price for the product.
     Let's assume you want to invest IDR 1 mio and the NAB for the product is IDR 1000. So you will have :
    1,000,000/1,000 = 1,000 UP (unit penyertaan)
    After few months, the NAB of the product goes to IDR 1,200. So, your NAV (net asset value) would be :
    1,200 * 1,000 = IDR 1,200,000 means you gain 20% profit => (1,200,000-1,000,000)/1,000,000 * 100%

Now, you may want to know when is the right time to buy this product. You can use the chart from yahoo finance and then on the technical indicators drop down choose Exponential Moving Average (EMA) and fill the tab with 20, 50 and 100. After that choose Relative Strength Index (RSI) and click draw. Now you will see a 4-coloured lines.

1. If the blue "IHSG" line is below the red line (EMA 20) means the price is so-so.
2. If the blue "IHSG" line is below the green line (EMA 50) means the price is quite cheap.
3. If the blue "IHSG" line is below the yellow line (EMA 100) means it's really cheap !

RSI is the confirmation for the EMA graphic, if the value of the RSI is above 70 it means overbought ( overprice ), but if it is below 30 means oversold ( underprice ). The RSI shows whether the RD price is cheap or not. This is only a rule of thumb, so use it at your own risk ;)

Remember, in this kind of investment you should not be panic when the IHSG or the NAB is going down. What you have to do is buy more when the price is cheap and wait till it goes up again (oh, it always tends to go up). So you have to be patient, just invest regularly, close your eyes (except if there's a really big change or situation going on in the market) and wait till it's ready to be harvested ;)

Let's invest for our future ! ;)


Notes : to view the NAB of the RD products you can go to infovesta.com or portalreksadana.com

0comments

whoaahh.. been months since I post sth in this blog.. today I'm gonna talk about homemade skin remedies :)
Last night I tried to put a puddle of sunflower seed oil on my face, massaged it for about 5 mins n then I wiped the oil with a washcloth which has been soaked in a hot water... They say this oil can cleanse the "dirt" in your skin n it can be used as a cleanser - it's called oil cleansing method. You can check the article here OCM .


Afterwards, I made a mask from wheat germ + milk + yakult. Just pour yakult into the flour till it looks like a paste n then apply on face.
here is the pic of the wheat germ (left). It supposed to be rice bran flour + yakult, but unfortunately I couldn't manage to get one so I used this instead. (You can replace the wheat with mung bean flour, it is believed to help with your acne) :) after putting this mask, you can continue to use your usual treatment (toner-moisturizer).




0comments

Today is the xx (cant recall how many days have passed) days that we have little communication.
i really miss him today and dont know why keep thinking about him :/
this morning he texted me saying he gotta go to that registration place and when i replied it from office,
he was already gone :( and i havent got any news from him up till now... where are u babs? :'(

and to top this missing thingy, i suddenly feel like jelly now to ANYONE !
just like how he used to feel on me before...
am still afraid he might look or fall to other girls :(
thats why i really wanna go to his place and spend days with him so that he wont look anywhere D:
ahahahha silly >.<

fortunately this morning was kinda busy at work n just a bit relaxed now...
thats why i have time to write this. the day went kinda nice (i guess it will still b nice up till tom again XD)
except the part that he is nowhere to be found tho :o

this love is kinda crazy, cant believe i can fall deeply like this :/
i hope he will always stay faithful to me o:) coz i love him so damn much...

hari ini ternyata sama aja kya kmrn2... nothing changed...
gatau apa yg salah knp semua ga pnh bjlan dgn baik antara gw n dy..
banyak hal yg pgn gw omongin tp gw gatau hrs mulai dari mana,
banyak perasaan yg tertahan di hati dan rasanya sakit banget :)
campur aduk marah, sedih, sebel, capek dan gw bener2 sedang dalam tahap menuju stress tingkat tinggi ahaha...
gini salah, gitu salah, trs gw harus gmn dong? diem aja kali ya kaya org2 blg diem itu emas.
tp gw diem disangkanya macem2.. aaaarrghhhh !! kapan hati gw bsa terasa plong ya :'(
tiap hari pst ada aja nangisnya plg ga 1x, ya ampunnn knp sih dgn diri gwwwwww !!!

Heya been a long time i didnt write here... uhh..
i just feel bad today that i really want to write it down since idk to whom should i talk about it..
have u ever felt u love some1 that ur heart would explode everytime u think about them,
u get easily jealous coz u dont wanna share that person to any1 n i mean literally EVERYONE...

i just felt that... n i hate that hurt sensation i get in my heart everytime i feel that way...
its not sth i can control... i love him, i wanna be with him, im afraid he will leave me coz im boring
and coz i cant be there for him everytime he needs me or misses me... :(

y do i feel insecure that idk what to do.... i wanna hold him, i want him to hug me...
sometimes i really wanna cry coz i cant make him happy for being with me...
i wanna do nice things to him but i ended up doin sth that makes him mad or sad or such...
what should i do... :'(

Gotta be kidding :)) What a crazy invention XD

Back again on this blog ! :D
This time I'll share a lil bit information on mutual fund (read : reksadana). Mutual fund is a professionally managed type of collective investment scheme that pools money from many investors and invests typically in investment securities (stocks, bonds, short-term money market instruments, other mutual funds, other securities, and/or commodities such as precious metals).^[1] The mutual fund will have a fund manager that trades (buys and sells) the fund's investments in accordance with the fund's investment objective. (taken from wikipedia)

I'm kinda interested on this stuff since so many people say that this kind of investment gives you higher return than bank saving. From what I read on some forums, you can start investing on mutual funds just by having IDR 1mio ! :) 1 thing for sure if you decide to invest on mutual funds, first you have to set your goal. Either it is for your retirement plan, education or whatever. If you will need the money for more than 10 years then you can put your money on RDS (reksa dana saham) - I will only use indonesian abbreviation here to avoid confusion. If your goal is need to be achieved less than 10 years then it's better to invest on RDPT / RDPU (reksa dana pendapatan tetap / reksa dana pasar uang) or RDC (reksa dana campuran) for med-term 3-5 years.

Anyway what I want to discuss here is about RDS. Some important things you need to know is :

1. Choose whether to invest right from the investor management company or from the bank.
2. Find out whether the MI (investment manager) is reliable and trustworthy enough.
3. Choose the product.

If you choose to invest via bank, go to bapepam to check if the bank you choose have an APERD license from the government (agen penjual efek reksa dana). And then find out the products each bank sold because the products sold may be vary for each bank. Then this is the next thing you need to know :

    NAB (nilai aktiva bersih) : it means the market price for the product.
     Let's assume you want to invest IDR 1 mio and the NAB for the product is IDR 1000. So you will have :
    1,000,000/1,000 = 1,000 UP (unit penyertaan)
    After few months, the NAB of the product goes to IDR 1,200. So, your NAV (net asset value) would be :
    1,200 * 1,000 = IDR 1,200,000 means you gain 20% profit => (1,200,000-1,000,000)/1,000,000 * 100%

Now, you may want to know when is the right time to buy this product. You can use the chart from yahoo finance and then on the technical indicators drop down choose Exponential Moving Average (EMA) and fill the tab with 20, 50 and 100. After that choose Relative Strength Index (RSI) and click draw. Now you will see a 4-coloured lines.

1. If the blue "IHSG" line is below the red line (EMA 20) means the price is so-so.
2. If the blue "IHSG" line is below the green line (EMA 50) means the price is quite cheap.
3. If the blue "IHSG" line is below the yellow line (EMA 100) means it's really cheap !

RSI is the confirmation for the EMA graphic, if the value of the RSI is above 70 it means overbought ( overprice ), but if it is below 30 means oversold ( underprice ). The RSI shows whether the RD price is cheap or not. This is only a rule of thumb, so use it at your own risk ;)

Remember, in this kind of investment you should not be panic when the IHSG or the NAB is going down. What you have to do is buy more when the price is cheap and wait till it goes up again (oh, it always tends to go up). So you have to be patient, just invest regularly, close your eyes (except if there's a really big change or situation going on in the market) and wait till it's ready to be harvested ;)

Let's invest for our future ! ;)


Notes : to view the NAB of the RD products you can go to infovesta.com or portalreksadana.com

whoaahh.. been months since I post sth in this blog.. today I'm gonna talk about homemade skin remedies :)
Last night I tried to put a puddle of sunflower seed oil on my face, massaged it for about 5 mins n then I wiped the oil with a washcloth which has been soaked in a hot water... They say this oil can cleanse the "dirt" in your skin n it can be used as a cleanser - it's called oil cleansing method. You can check the article here OCM .


Afterwards, I made a mask from wheat germ + milk + yakult. Just pour yakult into the flour till it looks like a paste n then apply on face.
here is the pic of the wheat germ (left). It supposed to be rice bran flour + yakult, but unfortunately I couldn't manage to get one so I used this instead. (You can replace the wheat with mung bean flour, it is believed to help with your acne) :) after putting this mask, you can continue to use your usual treatment (toner-moisturizer).