MELUPAKAN SANG MANTAN

Berpisah itu mudah tetapi melupakan adalah hal paling susah di lakukan, entah kenapa hal ini kita alami. Namun bagaimana bisa melupakan jika banyak Cerita Romantis antara anda dan mantan pacar anda yang anda lalui bersama. Melupakan Mantan Pacar menjadi hal tersulit dibanding apapun. Karena kebiasaan anda melakukan hal-hal yang romantis akan pasti selalu anda ingat. 

Melupakan mantan pacar memang tidak semudah membalikkan telapak tangan. Seperti lirik lagu Elvy Sukaesih.. Mau makan teringat padamu, mau tidur teringat padamu, mau apapun teringat padamu, mau berak aja teringat padamu, xiixiii. Untuk anda yang sampai saat ini masih susah melupakan mantan pacar, beberapa tips di bawah ini mungkin bisa membantu anda. Berikut adalahCara Melupakan Mantan Pacar/Kekasih paling jitu. 

1. Jauhkan Ingatan Tentang Dia. 

Satukan semua benda atau pemberian dari mantan pacar anda ke satu tempat khusus dan simpan jauh-jauh di tempat yang anda susah melihatnya. Bisa anda simpan dalam satu kardus kemudian simpan di gudang, atau bisa juga anda berikan ke orang lain. 

2. Jangan Mengingat Kebaikan Mantan. 

Bukan berarti anda bersikap egois, tetapi kadang perasaan bisa luluh hanya dengan mengingat kebaikan-kebaikan mantan kita. kalau ingin mengingat lebih baik ingat hal-hal apa yang membuat anda berdua berpisah. Keinginan untuk kembali ke mantan sangat kuat apalagi jika anda baru berpisah beberapa minggu. Lupakan semua kebaikannya. 

3. Jangan membanding-bandingkan. 

Punya kekasih baru tapi masih sulit melupakan mantan kekasih? Jangan membanding-bandingkan. Semua orang punya kelebihan dan kekurangannya masing-masing. 

4. Hiduplah Sekarang, Bukan Di Masa Lalu. 

Seperti benang layangan yang putus. Sekuat apapun anda berusaha menyambungnya, bekas sambungannya akan tetap kelihatan juga. Demikian juga dengan hubungan pacaran yang berpisah karena prinsip yang berbeda. Hiduplah di masa sekarang, masa lalu hanya kenangan dan biarkan cerita lalu anda jadi bagian dari sejarah hidup anda. Mungkin mantan pacar anda juga sedang memikirkan anda seperti anda sedang memikirkan dia, tetapi itu bukan alasan hubungan bisa kembali seperti dulu. Hiduplah! mengenang hanya untuk orang-orang tua saja. 

5. Hindari Nostalgia. 

Jangan tangisi apa yang bukan milikmu. Kegagalan sesungguhnya adalah tidak tercapainya apa yang memang bukan hak kita. Berhentilah bernostalgia dan mengenang cerita lama anda. Tidak ada gunanya memasukkan hal-hal tidak penting ke dalam kepala. Hindari berkunjung ke tempat-tempat yang memungkinkan anda mengingat mantan pacar anda, hindari melihat benda-benda kenangan anda berdua. yang lalu biarkan berlalu, sudah saatnya anda menatap ke depan. Menjadi bahagia adalah hak anda. 

6. Akuilah Bahwa Anda Terluka. 

Sekuat apapun orang jika sedang patah hati pasti hatinya jadi labil dan galau. Kita manusia adalah makhluk yang lemah dan juga tegar. Pertama-tema terimalah bahwa apa-apa yang kita alami memang sudah kodratnya begitu, dengan menerima kita menjadi pasrah dan menyerahkannya semua kepada Yang Maha Kuasa. 

7. Lepaskanlah emosi negatif dari dalam diri. 

Menangislah, tidak perlu menahan tangisan. Kesedihan adalah energi negatif yang harus di keluarkan. Bisa dengan cara menangis atau berteriak. Yang paling bagus jika anda ke laut dan duduk diam menatap air laut. Air laut yang asin memiliki kemampuan menarik energi negatif dalam tubuh. Tidak usah berteriak, duduk diam di pinggir laut sudah bisa mengeluarkan energi negatif dan beban-beban anda. 

8. Berkumpul dengan teman-teman. 

Tertawa dan ngumpul bareng teman-teman bisa membantu anda melepaskan energi energi negatif dalam diri anda. Curhat dan konsultasi ke teman juga akan membantu anda berpikir jernih. 

9. Tetap Berpikir Positif. 

Kata orang-orang tua, ketika satu pintu tertutup sembilan pintu lain akan terbuka untuk kita. Kita tidak melihatnya karena kita terlalu larut dalam kesedihan. Berpikir positiflah dan tetap berprasangka baik. 

10. Membuka hati untuk yang lain. 

Sebelum kita benar-benar melupakan Mantan kekasih pasti akan sulit terasa membuka hati kita dengan lawan jenis yang lain. Tapi tidak banyak yang melakukannya dan hasilnya adalah Bagus. Anda perlu menengkan hati dan mencoba mencari sosok lawan jenis yang baru. Dengan ini dipikiran anda tidak ada lagi kata mantan. 

Demikian beberapa tips cara melupakan Mantan Pacar. Jangan lupa tetap berdoa kepada Tuhan dan belajar dari pengalaman. Tidak ada yang kebetulan di dunia ini. Apa-apa yang kita alami adalah pembelajaran untuk menghadapi hal-hal yang lebih penting di masa depan. 

Global Online Data Entry, Home Typist Jobs !

Earn $500 to $1000 daily !!!
Just visit http://www.kedai-media.com

The Value of Trade Balance to Local Economy

The balance of trade also referred as trade balance, which sometimes is symbolized as NX, is the difference of the monetary value of imports and exports in one economy in a given period of time. The balance of trade is considered the biggest part of a country’s balance of payments.

Imports, domestic spending, foreign aid, and investment abroad are called debit items while credit items includes exports, foreign investments in domestic economy and foreign spending in domestic economy.

A trade surplus is a positive balance of trade which is consists of more exporting than importing. A trade deficit is the negative balance of trade or sometimes called a trade gap. The trade balance can sometimes be divided as services balance and goods balance just like in the United Kingdom which they use the terms invisible and visible balance.

The balance of trade is a part of current account which includes transactions that includes income derived from international investment and international aid. Thus, if the current account comes as a surplus then the nation’s international net asset increases also while deficit will decrease the international net asset.

A good trade surplus is achieved when a country exports products more than buying imported goods. A trade deficit is eventually experience as a result of the opposite of a trade surplus. The trade balance is alike to the difference of a country's output and the domestic demand. These factors may affect the trade balance: prices of goods manufactured, taxes and tariffs, trade agreements, business cycle (home or abroad), and exchange rates.

The trade balance is different in many business cycles. For instance, export growth like oil and industrial goods which improves when there is economic expansion.

In developed countries like; Japan, China and Germany usually run at trade surpluses in which they experience a higher savings rate. Around the world there are different natural resources which a country may have for instance, countries from the coastal regions are major producers of fish, Canada can be a major producer of lumber because of its huge forests while in the Middle East, has the most oil reserves.

International trade is important so in order to sustain the balance of trade. A country should be totally self sufficient without international trade. Through international trades, each country will have the opportunity to produce specialize goods efficiently. In relation, when a nation specializes in producing these goods, the total production increases instead of trying to be self sufficient. Nations will benefit from international trades and also meets their needs. Generally, nations will trade to other nations when they gain from the trade. But the gains are not usually equal in terms of benefits and profit. Adapted from http://www.forexfloor.com

Most Expensive States for Insuring a Home

Parts of coastal Texas and Mexico were treated to 15 inches of rain courtesy of Hurricane Dolly, a Category 2 storm that made landfall last month. Its 100 mile-per-hour winds made it the most powerful U.S. storm since Wilma, a Category 5 storm in 2005.

But compared with what's expected through the end of the year, Dolly looks like a light drizzle. The National Oceanic and Atmospheric Administration recently announced that it expected three to six major hurricanes of Category 3 strength or higher before the end of the year. This will no doubt have homeowners in the Gulf Coast states of Texas, Louisiana, Mississippi and Florida checking their insurance plans.

As it turns out, wind and flood coverage in a hurricane zone doesn't come cheap.

According to the National Association of Insurance Commissioners' most recent study of insurance premiums, drawn on 2005 data due to lags in state reporting, those four states rank among the nation's most expensive places to insure a home. Texans pay an average $1,372 in premiums, with Louisianans shelling out $1,144, and Mississipians and Floridians paying $939 and $929 a year.

Texas ranked as the state with most expensive insurance premiums, thanks to wind, rain, hail, tornados and hurricanes.

"Just about every type of peril is available here," says Texas Department of Insurance spokesman Ben Gonzalez. There is, however, one danger that no longer factors into the state's high insurance premiums: mold.

Back in 2001 and 2002, that wasn't the case. "There was a media frenzy about toxic mold, and the folks writing homeowners insurance got hit hard. It drove up premiums quite a bit," says TDI spokesman Jerry Hagins.

Now, if they could only bring hail and hurricanes under control as easily.

for more visit http://finance.yahoo.com/insurance/article/105590/Most-Expensive-States-to-Insure-a-Home

Manage Finances for a New Year

The new year brings a sense of renewal and with it the urge to take a fresh look at ourselves–inside and out. A new year will also bring with it a new tax season, a time to gather paperwork and review the past year, an ideal time to think about finances.

An annual review of your finances is a necessity at this time of year, not just for tax purposes, but because finances are dynamic; needs and goals change, new savings, investment, and insurance products become available, family incomes increase, children are born, others are off to college, estates increase, jobs change.

Regular annual reviews provide a much–needed opportunity to be certain your past financial decisions are still moving you in the direction of your goals — and if not, to change them as soon as possible.

This year, as you resolve to make positive changes, work on improving your financial situation. Start by gathering and organizing your paperwork: life insurance policies and beneficiary designations, year–end statements from your retirement and investment plans, disability and long term care insurance policies, last year's tax return, your spending records, and other financial documents.

Next, plan to meet with your insurance agent, financial services representative, tax advisor, and/or your legal advisor to discuss the past year as well as your plans and goals for the coming year.

Here are some suggestions for preparing for these meetings in advance:

1. List any changes in your work and/or personal life that took place in the last 12 months.
2. List any changes in your work and/or personal life that will take place in the next 12 months.
3. Review your life insurance plans carefully.
4. Review the performance of your retirement plan savings and investments.
5. Consider the impact taxes will have on your retirement savings and income goals.
6. If you own a business, review all your insurance and retirement programs.
7. Finally, be sure to find out about new policies, plans, and products that are available.

Unusually Severe Weather Events Challenged Insurers In 2008

NEW YORK, December 22, 2008 — Preoccupied with the economic downturn and the U.S. presidential election, many Americans were unaware of the severe hurricanes and frequent tornadoes that caused billions of dollars in insured losses nationwide this year, according to the Insurance Information Institute (I.I.I.).

Property/casualty insurers paid $24.9 billion to policyholders for losses incurred through the first nine months of 2008, ISO’s Property Claims Service found.

There were 16 named storms this Atlantic hurricane season, making 2008 the year with the fourth-highest number of named storms since such records started being kept in 1944. Nine of the named storms became hurricanes, three of which made landfall in the U.S.: Dolly (Texas, in July); Gustav (Louisiana, in September); and Ike (Texas, also in September). The three U.S. hurricanes combined produced more than $11 billion of the $24.9 billion in insured losses for the year between January and September 2008.

The National Oceanic and Atmospheric Administration (NOAA) said that this is the tenth hurricane season in the past 14 years to produce above-normal storm activity in the Atlantic Ocean.

Hurricane Ike was the year’s most costly natural disaster, with an estimated $10.6 billion in insured losses, making it the fifth-most expensive (in 2008 dollars) hurricane and the seventh costliest insurance event in U.S. history, the I.I.I. reported.

Disaster losses along the coast are likely to escalate in the coming years, in part because of huge increases in development. It is predicted that catastrophe losses will double every decade or so due to growing residential and commercial density and the cost of rebuilding expensive properties.

Moreover, this year has been one of the deadliest U.S. tornado seasons in more than a decade. The average annual number of tornado-related deaths nationally for the 10 years, 1997-2006, was 62. Yet more than 120 people have died to date in U.S. tornadoes in 2008. About 1,000 tornadoes occur annually but at least 1,600 tornadoes struck the U.S. through the first nine months of the year, according to NOAA’s National Weather Service. The number of tornadoes in 2008 may rival the record set in 2004, when more than 1,800 twisters were reported.

“Strong winds can adversely impact those who live far from the coastline so there is always a need for homeowners to reassess their insurance coverage and strengthen their properties,” said Michael Barry, vice president, Media Relations for the I.I.I. “Just because a part of the country is deemed as being at low risk of natural disasters does not mean there is no risk at all.”

Significant wildfires and extensive flooding also took place in 2008, and they pose challenges which are different from those generated by hurricanes and tornadoes. California saw about 1,900 square miles destroyed in 2008 due to one of its driest springs on record that caused more than 2,000 wildfires during the summer months.

Nationwide, the wildfire problem is a growing one for homeowners and property insurers because residential populations have increased dramatically in wildfire prone areas known as wild land urban interfaces (WUI). Most WUI’s are situated in the western states.

“Climate studies suggest warmer and drier weather is extending the length of the wildfire season, leaving forests that are clogged with dead and dying trees even more vulnerable to fire,” Barry explained.

Meanwhile, states along the Mississippi River had the exact opposite problem, with heavy rains in the spring and summer causing the river to overflow and subsequent flooding in states such as Iowa and Missouri.

Less than 20 percent of all Americans have a flood insurance policy even though 73 percent of those surveyed nationally this year by the I.I.I. said they are aware that a standard homeowners insurance policy will not cover them for flood-related losses.

“Insured catastrophe losses in 2008 exceeded all cat losses incurred in 2006 and 2007 combined," said Barry. “Large-scale weather events have widespread repercussions that last long after the media attention fades. When disaster strikes, however, insurers fulfill their role as the nation’s economic first-responders, and this year was no exception.”

Facts and figures about hurricanes are available at: Facts and Statistics: Hurricanes. For a detailed background paper on catastrophes and insurance issues, see Issues Updates: Catastrophes.

For more information about insurance, go to the I.I.I. Web site.

Life Insurance Basics

Before we dive in, it might help to start with a basic definition of life insurance. Simply put, life insurance is a way to help restore or maintain your family’s financial security after you pass away. There are many types of life insurance policies, and choosing the one that’s right for you will depend on the ifs in your life and your personal circumstances.

Solutions for the "ifs" in Life
If I marry my true love! If it’s a girl! If I buy my dream house! Ifs like these are what life is all about—which is why we’ve compiled a few of the most common ifs, and how you can plan for them.

Types of Life Insurance
The differences between Term Life Insurance and the various types of Permanent Life Insurance—Whole Life Insurance, Universal Life Insurance and Variable Universal Life Insurance—are easier to understand than you might think. Which one is right for you depends on the ifs in your life.