How to Manage Post-Retirement Funds Early

There are many ways to keep earning for Civil Servants (PNS) as well as private sector employees who took early retirement decisions. Still, do not be hasty in using the pension fund received.

 

According to Financial Consultants of Safir Senduk and Co, Ahmad Gozali, an early retirees should wait to save money in the bank in the form of deposits because there is usually a kind of excessive emotional level when getting money in larger amounts than usual.

 

"Once received the funds, do not direct the execution, enter the first deposit to wait 1-2 months was not surprised. People who can fund large, single, let alone larger than usual, will appear euphoric to spend emotionally," he said

 

After that, according to Goz, greeting familiar Gozali, a retired early to enter the world of work later, but that should be considered is to choose a different working world and considered to be more relaxed with a note, an early retirement is still relatively young.

 

"If you're young, they (early retirement) can work again, a lecturer, teaching, or become consultants," he said.

 

Goz also provide input to an early retirees to invest. According to him, all the investment that will be run later, such as stocks, mutual funds, or property, a good prospect.

 

However, Goz suggested that an early retirement reserves fatherly 3-6 months living expenses in the future. better backup can be used up to one year ahead.

 

"Want any business or investment must be there to back up 3-6 months of living expenses because it's from a no-income-income so there must be backed up," he said.

 

"If you want to do business are also reserving for the next 12 months, the rest may make business," he added.

 

Advice from Goz, a civil servant (PNS) is better to take early retirement because it will get substantial funds that could be developed more out of his job as a civil servant.

 

"Better early retirement of civil servants will be golden shake his hand. After that could develop out of their funds," he concluded.         

The things of Normal and Abnormal Menstruation

Menstruation is a regular cycle experienced by every woman infertile. But some of them sometimes have abnormal menstrual cycles. For that to know what constitutes normal and abnormal of the menstrual cycle.

 

Each month the female ovaries will release an egg cell is called ovulation. At the same hormonal changes prepare the uterus for pregnancy. If ovulation occurs and the egg is not fertilized, then it will collapse the uterine lining and menstruation occurs.

 

Menstrual cycle may help someone know the time of ovulation (fertile period), menstrual bleeding is not unexpected or as an early sign of pregnancy. Meanwhile, irregular menstrual cycles can be early signs of serious health problems.

 

For that to know what is spelled out in the normal and abnormal menstrual cycle, as quoted from Mayoclinic, namely:

 

A. It is normal in the menstrual cycle

 

    1. The menstrual cycle is calculated from the first day until the first day of the next menstrual cycle, and usually not the same for every woman. During the first few years of menstruation, the cycle is generally longer but the longer this cycle will be shorter and more regular.

   2. Some of the complaints that arise during menstruation there is still considered normal, such as pain or mood disorders, as long as it does not interfere with activities and daily activities.

     

But to find out whether or not the normal menstrual cycle, start by making a note of the date of menstruation for several months to know whether or not a regular cycle, menstrual duration, whether the blood comes out too much or too little and the pain.

 

B. It is not normal in the menstrual cycle

    Several things can happen during a normal menstrual period and not be regarded as:

1. Suddenly stops menstruating for more than 90 days
2. Menstruation became irregular, whereas before routine
3. Menstruating for more than 7 days
4. The blood that came out more than usual, or require more than a bandage in 2 hours
5. Experiencing severe pain or pain that interferes with the activity
6. Have a fever or sore after using the pads

Irregular menstrual cycles can be caused by many things such as pregnancy, eating disorders, losing weight is too extreme and stressful. But it could also be caused by the presence of serious health problems such as polycystic ovary syndrome (Polycystic ovary syndrome / PCOS), loss of normal ovarian function before age 40, endometriosis or pelvic inflammatory disease.

 

 
 

Ways To Eat Healthy accustomed Since Small

If you've already become a habit, unhealthy way of eating will be difficult to change. Therefore, to prevent obesity and a variety of complications, following a healthy eating should begin to get used to since childhood.

 

Some myths which often lead to wrong habits or unhealthy eating patterns in children. One example is that many parents take breakfast before going to school is not important because it can make kids fatter faster.

 

Dr. Saptawati Bardosono, a nutritionist from the Indonesian Medical Association Physician Nutrition (PDGMI) insists there is no research that proves that breakfast makes fat. Precisely with breakfast, the concentration of children in better schools so that academic achievement increases.

 

Eating right and healthy for children according to Dr Barbara, as he is usually called, is as follows.

 

1. Regular eating schedule
Since childhood, the child should be accustomed to eating before you feel hungry and stop before completely full. Feeding schedule as much as possible should be regularly and do not skip meals, especially breakfast.

 

2. Eat small meals but often
Avoid eating excessive portions, because it would burden the digestive system and can lead to metabolic disorders. A healthier diet is to eat little but often.

 

3. Avoid eating while on the move
Like when you're learning, children also have to maintain concentration while eating. Try not to eat while watching TV, reading books or joking with friends because it can quickly come back hungry.

 

4. Food should be chewed completely
Basically, chewing is a physical process of digestion that still will be followed by chemical digestion by enzymes in the stomach and intestines. Do not rush, because the perfect physical digestion in the mouth will greatly alleviate the action of the enzyme.

 

5. Balance with sport and physical activity
Overweight in children is triggered by an imbalance between caloric intake in food by burning through physical activity. The more food portions, exercise or physical play should be increased while watching TV and playing video games should be reduced.

 

 As for snacks or light meals, Dr. Tati advised not to consume foods that contain lots of calories, salt and fat. All three of these components can lead to various diseases such as obesity, high blood pressure, heart disease, cancer and diabetes.

 

Burgers and fried foods are not recommended because of high fat and calories, while a more healthy is fruit, wheat bread and beans. Milk is also healthy, but should be chosen that are low fat and lactose not to cause obesity.

 

"Our research results indicate that one of the main sources of excess sugar intake in children are milk," said Dr. Barbara in parenting classes themed event Selecting Food and Nutrition Healthy Children, Sunday (19/06/2011).

Select Pay Debt or spending the past?

Setting the necessities of life should not leave money at the end of the month, but spend the money until it left. With a record of all obligations must be paid at the beginning, including debt.

 

According to the Financial Consultant Sapphire Senduk by spending money earnings at the end of the month can achieve inner satisfaction without burdened with other needs that still must be met.

 

"If you want to achieve satisfaction, should spend the money instead of leaving money," he said in the event of exposure in Indonesia Financial Expo and Forum 2011 in JCC, Senayan Saturday (06/18/2011).

 

Meanwhile co-Safir, Gozali said most people try to leave money to save a month income. However, almost no one ever managed to do so because of the necessities of life will surely follow the amount of income.

 

"Given any revenue will go towards the cost of living because it tends to follow income needs," he said.

 

He pointed out, an income per day with a small amount going to use it for small things, so if you have more income then it will use it to great.

 

"If you can food allowance of Rp 7000 per day from the office, you will eat warteg. If you had a Rp 15,000 will eat rice fields. If Rp 25,000 will eating more," he said.

 

Important tips in good financial management is to be resolved according Gozali of the most important, such as paying zakat, then set aside to pay the debt, then save, invest for the future. Once all requirements are met, then spend the rest for spending and make ends meet.    

 

 "Being able to direct income pay zakat, cut with installment debt, set aside for future needs, the new spending with the cost of living," he added.