Beli rumah dengan KPR Syariah

Aduh repotnya cari rumah...
Karena waktu terbatas, cuma bisa cari lewat internet dan melihat rumahnya sabtu-minggu. Yang ini gak sreg, yang itu udah kebeli... Ya udah cari yang belum kebeli tapi deket sama ortu, maklum karena punya baby baru 3 bulan. Biar ada yang ngurusin makanya cari yang deket-deket rumah ortu.
Nah... Sekarang dah ketemu rumahnya... Cari info KPR yang lebih murah... maunya sih syariah... katanya angsurannya bisa flat, kalo yang lain aku sudah tanya ngalor ngidul sama bank2 jarang yg flat ada juga BTN.
Mencoba KPR Mandiri syariah, dengan margin sekitar 13,5% untuk 10 - 15 tahun, prosedurnya sih gak ribet cuma lama, AO (Account Officer) sibuk terus. Beralihlah ke BNI syariah dengan margin sekitar 11%-13% untuk 10 - 15 tahun, prosedurnya agak ribet, dah susah dinegonya. Yah mau gak mau pake KPR Mandiri syariah.
Syarat-syarat KPR Mandiri syariah :
1. Foto kopi KTP Suami-Istri
2. Fotokopi KK
3. fotokopi Surat Nikah ( yang sudah menikah) / Surat cerai, yang belum menikah sih gak usah 
4. Surat Keterangan bekerja asli
5. Slip Gaji asli
6. fotokopi NPWP
7. mengisi form aplikasi
8. foto kopi rekening tabungan

Kalau mau tau syarat-syarat KPR BNI syariah :
Sama dengan KPR Mandiri syariah (1-8) tapi ada tambahan surat menyatakan tidak punya hutang.


Sudah Ok sihdengan KPR Mandiri, nanti mau akad kreditnya dalam waktu minggu ini. Sdh dilihat juga sertifikatnya ke BPN.
Mau tau biaya-biaya untuk akad kredit nya :
1. Biaya Administrasi 1% dari Pembiayaan
2. Biaya - Biaya Asuransi  (jiwa & Kebakaran)
3. Biaya - Biaya Notaris (tergantung harga rumah)
4. Pajak Pembeli 5%x(NJOP-NJOPTKP)
5. Biaya Blokir 1 x Angsuran
6. Pajak Penjual 5%xNJOP (tergantung perjanjian, dibayar oleh pembeli atau penjual)


Nah sekian dulu ya info dari saya. Selamat memiliki rumah baru..........!!!!!

20 Tips for Better Sleep

1. Ban Blue Light in the Bedroom

Insomnia feeds on the minor details of modern life, like the soft blue glow from a cell phone, PDA, or digital clock resting on your bedside table. The short waves of blue light may interfere with sleep.
Tip: Turn off TVs, computers, and other blue light producers an hour before sleep. Cover any blue displays you can't shut off.

2. Avoid Naps

Napping makes matters worse if you have trouble falling asleep. But if you must nap, keep it brief, 20 minutes or less -- and do it early in the day. Any shut-eye within eight hours of your bedtime can sabotage a good night's sleep.
Tip: When an afternoon slump hits, go for a short walk, drink a glass of ice water, or call a friend.

3. Block the Clock

When you glance at the clock in the wee hours of the night, your sleep will suffer. You worry about how few hours are left before your busy day begins. Clock watchers should put their alarm in a drawer, under the bed, or turn it away from view.
Tip: Use black tape for the blue LED digital clocks on the bedroom DVR.

4. Try a Leg Pillow for Back Pain

Mild low back pain may not wake you, but it can disrupt the deep, restful stages of sleep. A cushy solution is to place a pillow between the legs for better alignment of the hips and reduced stress on the low back.
Tip: Back sleepers can tuck a pillow under their knees to help ease pain at night.

5. Put Your Neck in Neutral

If you wake tired with a stiff neck, blame your pillow. Pillows that are too fat or too flat cause problems. Your pillow should be just the right size to support your neck in a neutral position. For side sleepers, the nose should align with the center of the body. Stomach sleeping twists the neck and is best avoided.
Tip: Keep your neck neutral before bed, too. Don't crane your neck to watch TV.

6. Seal the Mattress

The sneezing, sniffling, and itching of allergies can cause fragmented sleep -- and your mattress may be to blame. Over time, it can fill with mold, dust mite droppings, and other allergy triggers. Avoid these sleep wreckers by sealing your mattress, box springs, and pillow.
Tip: Air-tight, plastic, dust proof covers work best.

7. Reserve the Bed for Sleep and Sex

Experts say sleep and sex should be the only pastimes pursued in the bedroom. Don’t balance the checkbook, talk on the phone, or watch TV. Everything about the room should be associated with rest and relaxation.
Tip: The best sleep temperature for most people is between 68-72 degrees.

8. Set Your Body Clock

Go to sleep and wake up at about the same time every day -- including weekends. This routine will put your brain and body on a healthy sleep-wake cycle. In time, you'll be able to fall asleep quickly and sleep soundly through the night.
Tip: Get out in bright light for 5 to 30 minutes as soon as you rise. Light is the most powerful regulator of the biological clock.

9. Cut the Caffeine

Coffee in the morning is fine for most people, but as soon as the clock strikes noon, avoid caffeine in foods and drinks. And don’t forget about less obvious sources of caffeine, like chocolate, colas, tea, and decaffeinated coffee.
Tip: Some pain relievers and weight loss pills contain caffeine.

10. Exercise Right, Time It Right

Regular exercise has been shown to improve sleep quality, as long as you don’t work out too close to bedtime. A post-workout burst of energy can keep you awake. Aim to finish any vigorous exercise 3 to 4 hours before you hit the hay.
Tip: Gentle mind/body exercises are fine just before sleep. Yoga, tai chi, and similar routines are a perfect, sleep-inducing nightcap.

11. Eat Right at Night

Avoid heavy foods and big meals late in the day; they tax the digestive system and make it hard to get high-quality sleep. Some people do well with a light evening snack of sleep-inducing foods. Complex carbs and dairy foods fill the bill, such as cereal with milk or crackers and cheese.
Tip: Finish any snack at least an hour before bed.

12. Rethink Your Drink

Although the tranquilizing effects of alcohol may make you sleepy at bedtime, beware  -- after the initial effects wear off, alcohol actually causes more frequent awakenings at night and less restful sleep.
Tip: Warm milk or chamomile tea are better beverage choices in the evening.

13. Stop Sipping After 8 pm

Treat yourself like a child: Nothing to drink within two hours of bedtime. It'll help prevent those sleep-wrecking middle-of-the-night bathroom trips. And it can be difficult to get back to sleep quickly after hitting the cold bathroom floor.
Tip: Keep a nightlight in the bathroom to avoid bright light at night.

14. Lower the Lights

Starting two to three hours before bedtime, dim the lights around the house and put aside any work, arguments, or complicated decisions. It takes time to turn off the emotional and intellectual "noise" of the day. Lowering the lights signals your brain to produce melatonin, the hormone that brings on sleep.
Tip: Use a 15-watt bulb when reading in the last hour before bed.

15. Neutralize Noise

A dripping faucet, a child's cough, or a barking dog can add up to big-time sleep loss. And parents may be hypersensitive to noises in the night long after after children outgrow the baby stage.
Tip: Soothing "white noise" covers up bumps in the night. You can use a fan, an air-conditioner, or a white noise generator available in stores. Ear plugs also work.

16. Skip the Smoke

Need another reason to quit smoking? Nicotine is a stimulant, just like caffeine. Smoking can keep you from falling asleep and worsen insomnia.
Tip: While you're planning your quit strategy, you may sleep a little better if you smoke fewer cigarettes in the four hours before bed.

17. Keep Pets Off the Bed

A cat or dog's night moves can prevent you from settling into the deep sleep you crave. They can also bring fleas, fur, dander, and pollen to your bed, triggering sleep-wrecking allergies.
Tip: Ask your vet or animal trainer how to recondition your pet to sleep, happily, in its own bed.

18. Free Your Mind at Bedtime

Establish a "winding down" period in the evenings about an hour before bedtime. Read something calm, meditate, listen to music, or take a warm bath. Try making a list of any worries, along with a plan to deal with them, to bring closure to your day.
Tip: Even a 10-minute pre-sleep ritual may help when time is short.

19. Use Caution with Sleeping Pills

Sleeping pills may be tempting on those nights when sleep just isn’t coming, but exercise caution. Some sleep medicines can be addictive and may have bothersome side effects. Ideally, they should be used as a very short-term solution, while other lifestyle and behavior changes are put in place.

20. When Insomnia Means Something More

Sleep tips are nice when your insomnia is fleeting. But if your sleeplessness persists for at least a month, it’s time to delve deeper into what’s going on. Insomnia may be a symptom of an underlying problem. Depression is notorious for causing insomnia, as are other medical conditions, such as acid reflux, asthma, arthritis, and some medications. Chronic insomnia deserves a closer look and evaluation by a doctor.

13 HEALTHY HABITS TO IMPROVE YOUR LIFE

Disregard them, and you may well be taking a big gamble with your mental and emotional well-being.

By Dulce Zamora
WebMD Feature

Reviewed by Brunilda Nazario, MD

There are 13 ways to boost your chances of living a happy, healthy life. More can be added to this list, but, for simplicity's sake, we'll stick with this typically unlucky number.

Instead of bringing misfortune, however, the 13 habits promise a life of vigor and vivacity. There are, of course, no guarantees, but many of the practices mentioned here have been published in scientific journals. Disregard them, and you may well be taking a big gamble with your mental and emotional well-being.

Healthy Habit No. 1: Eat Breakfast Every Morning

Breakfast eaters are champions of good health. Research shows people who have a morning meal tend to take in more vitamins and minerals, and less fat and cholesterol. The result is often a leaner body, lower cholesterol count, and less chance of overeating.

"That one act [of eating breakfast] seems to make a difference in people's overall weight," says Melinda Johnson, RD, a spokeswoman for the American Dietetic Association (ADA). She says breakfast can hold off hunger pangs until lunchtime and make high-calorie vending machine options less enticing.

Not only that, researchers at the 2003 American Heart Association conference reported that breakfast eaters are significantly less likely to be obese and get diabetes compared with nonbreakfast eaters.

Another study in the International Journal of Food Science and Nutrition showed that people who consumed breakfast cereal every day reported feeling better both physically and mentally than those who rarely ate cereal in the morning.

For kids, breakfast appears to enhance alertness, attention, and performance on standardized achievement tests, reports the ADA.

To get the full benefits of breakfast, the Mayo Clinic recommends a meal with carbohydrates, protein, and a small amount of fat. They say that because no single food gives you all of the nutrients you need, eating a variety of foods is essential to good health.

Yet, even with so much scientific support that breakfast does the body good; many people still make excuses not to eat in the morning. They include not having enough time and not feeling hungry. For these people, Johnson suggests tailoring breakfast to the day.

"When I'm getting ready in the morning, I don't really want to take the time to eat breakfast because that would mean sacrificing sleep," says Johnson. "So I bring my breakfast with me, and I know I have an hour when I'm reading emails in the office when I can eat it. By that time, I'm hungry because I've been up for almost a couple of hours."

Healthy Habit No. 2: Add Fish and Omega-3 Fatty Acids to Your Diet

The AHA recommends a serving of fish two times per week.

Besides being a good source of protein and a food relatively low in the bad type of dietary fat called saturated fat, fish has omega-3 fatty acids -- which have been shown to reduce the risk of heart disease.

Fatty fish such as mackerel, lake trout, herring, sardines, albacore tuna, and salmon, are rich in two kinds of omega-3 fatty acids: eicosapentaenoic acid (EPA) and docosahexaenoic acid (DHA).

Foods such as tofu, soybeans, canola, walnuts, flaxseed, and their oils contain alpha-linolenic acid (ALA), which convert to omega-3 in the body. Even though the benefits of ALA are controversial, the AHA still recommends foods containing it as part of a healthy diet.

In addition to their heart-health benefits, there is some evidence that omega-3 fatty acids may also soothe an overactive immune system, says Johnson. Even though this benefit is still being studied, she says there appears to be a link between getting more omega-3s in your diet and reducing allergies, asthma, eczema, and autoimmune disorders.

Healthy Habit No. 3: Get Enough Sleep

"Your body has to have enough time to rest," says Michael Fleming, MD, president of the American Academy of Family Physicians (AAFP). Otherwise, he says you may find yourself feeling cranky and tired.

This may sound like common sense, but according to the National Sleep Foundation (NSF), more than two-thirds of older adults suffer from sleep problems and many American adults don't get the minimum amount of shuteye needed to stay alert.

Sleep is vital to good health and to mental and emotional well-being. The NSF reports that people who don't get enough slumber are more likely than others to develop psychiatric problems and to use health care services. Plus, sleep deprivation can negatively affect memory, learning, and logical reasoning.

Not enough ZZZs can also be hazardous. More than one-half of adult drivers -- some 100 million people -- say they have driven drowsy in the past year, according to NSF polls. About one out of five of these drivers -- 32 million people -- say they've fallen asleep while driving.

Each year drowsy driving causes more than 100,000 car crashes, 1,500 deaths, and tens of thousands of injuries, reports the National Highway Traffic Safety Administration. The NSF recommends taking a 15 to 20 minute nap. Because it takes about 30 minutes for the caffeine to work, taking a nap while you wait for the caffeine to kick in can help restore alertness.

To avoid the pitfalls of insufficient sleep, make sure to get at least seven to 10 hours of slumber each night. Kids need more sleep, depending on their age.

Healthy Habit No. 4: Make Social Connections

Volunteer. Go to church. Join a club. Whatever you do, do it with people. Communal activities are good for your physical and mental health, according to a study published in the March/April 2004 issue of the American Journal of Health Behavior.

It makes sense, says C. David Jenkins, PhD, author of Building Better Health: A Handbook of Behavioral Change. He says social ties have many benefits, including:

• Providing information. You may think for instance your frequent nosebleeds, coughing, and sneezing episodes are trivial, but when a close friend or relative hears of it, he or she may encourage you to go to a doctor. If the symptoms turn out to be a serious condition, the social tie could have saved your life.
• Instrumental help. Friends and family can provide physical support in time of need. They may help with cooking, cleaning, running errands, doing grocery shopping, and driving to the doctor's office.
• Emotional support. Sharing a problem with a trusted person can help alleviate an internal burden. "It's a load off your chest," says Jenkins.
• Offering a sense of belonging. This feeling not only helps reinforce a person's identity, it also assists in preventing and overcoming depression and anxiety.
  

Community ties also help improve mental functioning, says Fleming. Group activities can help keep the mind active and maintain desirable levels of serotonin -- the brain chemical associated with mood. "Lack of social interaction will [decrease] serotonin levels," says Fleming.

Healthy Habit No. 5: Exercise for Better Health

We already know that physical activity has a bounty of benefits, which makes it so puzzling why so many people just don't do it. According to the CDC, more than 60% of Americans do not get regular exercise.

In case you needed an incentive, here is a review of the advantages of exercise, per the National Cancer Institute:

• Helps control weight
• Maintains healthy bones, muscles, and joints
• Reduces risk of developing high blood pressure and diabetes
• Promotes psychological well-being
• Reduces risk of death from heart disease
• Reduces risk of premature death

Studies have also shown a link between exercise and a reduced risk of certain cancers.

Besides its long-term effects, moving your body has immediate benefits, says Cedric Bryant, chief exercise physiologist for the American Council on Exercise. The short-term results of exercise include helping people to think and move better, manage stress, improve mood, and get an energy boost.

The excuses that people often give to not exercise are the precise reasons to exercise, says Bryant. People who say they are too tired or don't have time to workout don't realize that exercise gives people more energy and allows them to be more productive with the rest of their time.

Healthy Habit No. 6: Practice Good Dental Hygiene

Flossing your teeth every day could add 6.4 years to your life, according to Michael Roizen, MD, author of RealAge. In his book, Roizen lists flossing as one of the most important daily activities -- along with exercise and quitting smoking -- that could extend life span.

Roizen's calculation may raise some eyebrows, but the idea that oral health is connected to overall health isn't far-fetched.

The mouth, after all, is an integral part of the body. "Teeth have a blood supply, and that blood supply comes from the heart," says Richard Price, DMD, consumer advisor for the American Dental Association (ADA).

Researchers suspect that the bacteria that produce dental plaque enter the bloodstream. They say these bacteria are somehow associated with the inflammation that occurs with plaque that blocks blood vessels and causes heart disease.

Other researchers have found links between oral bacteria and stroke, diabetes, and the birth of preterm babies and those that have low birth weight.

In addition to preventing disease, flossing and brushing can help keep your pearly whites intact for more than just cosmetic reasons. Teeth help you chew food, speak properly, and smile -- which, according to Price, can help you keep your dignity.

Healthy Habit No. 7: Take Up a Hobby

Look up the word "hobby" in the Merriam-Webster's Collegiate Dictionary, and you will find the definition as "a pursuit outside one's regular occupation engaged in especially for relaxation."

Since they are relaxing activities, hobbies are usually enjoyable. Some people find joy in craftwork, bird watching, sports, going to flea markets, walking in the park, or playing cards.

The joy may help people live healthier and recover better from illness. For one thing, taking part in hobbies can burn calories, more so than just sitting in front of the TV.

In a study of people who had undergone surgery, Jenkins found that people who were involved in hobbies before their operation had better recovery six months later, compared with people who did not have hobbies.

The participants with hobbies tended to have more drive and interest in things and other people, says Jenkins. "It was a more active orientation to life."

Healthy Habit No. 8: Protect Your Skin

Our skin starts to age as soon as we are born and, according to the American Academy of Dermatology (AAD), the best way to protect it and look younger is to stay out of the sun.

The sun has harmful ultraviolet (UV) rays that can cause wrinkles, dryness, and age spots. Overexposure can cause sunburn, skin texture changes, dilated blood vessels, and skin cancers.

Avoiding the sun, however, is not always ideal or practical. To reduce the risk of skin damage, the AAD offers the following tips:

• Always wear sunscreen with SPF 15 or higher.
• Don a hat with a brim and wear other protective clothing.
• Don't deliberately sunbathe.
• Try to avoid sun exposure between 10 a.m. and 3 p.m.

Healthy Habit No. 9: Snack the Healthy Way

The ADA recommends five or more servings of fruits and vegetables a day as part of a healthy diet. These plant foods can do many things to boost good health, including:

• Reduce the risk of some cancers
• Beat the signs of aging
• Improve memory
• Promote heart health
• Enhance the immune system

One way to incorporate fruits and veggies into your diet is to have them as snacks. "If you can do one thing [to improve your health], concentrate on getting fruits and veggies," says Johnson. "They are low in calories and high in nutrients."

She says baby carrots and cut-up produce make tasty, convenient munchies. Other healthful snacks include low-fat yogurt and nuts (in moderation).

The best time to snack is when you are hungry between meals, says Johnson. But beware: Cravings could easily be mistaken for hunger cues, especially for people who are dieting.

Healthy Habit No. 10: Drink Water and Eat Dairy

Water and milk are essential fluids for good health, but they can also help with shedding pounds.

The body needs water to keep properly hydrated and individuals vary widely in how much water they need. Joints need it to stay in motion, and vital organs such as the heart, brain, kidney, and liver need it to work properly.

If you don't get enough water, the body goes into emergency mode, and clings to every single water molecule it can find, reports the University of Minnesota Water Resources Center. The stored molecules appear as extra weight. The weight is only released once the body gets enough water.

The calcium in dairy, on the other hand, is known to be important for strong bones and teeth. Studies have also shown it can help prevent high blood pressure, kidney stones, heart disease, and colon cancer.

In the weight loss arena, three 8-ounce glasses of low-fat or fat-free milk appear to encourage body fat loss while maintaining muscle mass, according to the ADA. The dairy consumption must be part of a balanced reduced-calorie meal plan.

Healthy Habit No. 11: Drink Tea

"Decaffeinated tea is better," says Fleming, noting that the caffeinated variety can be dehydrating, and sugary drinks can lead to weight gain.

There is some evidence that tea may help in improving memory, and preventing cavities, cancer, and heart disease. Fleming says, though, that the overall research is still inconclusive.

"There may well be some beneficial effects of tea, particularly the potential antioxidant effect, but we don't have great data on that right now that is that specific."

However, there's no doubt that a cool iced tea can be a refreshing treat during hot days. Try flavoring your tea with juices, fruits, cinnamon sticks, ginger, and other condiments.

Healthy Habit No. 12: Take a Daily Walk

We already mentioned the merits of exercise in habit No. 5. Now, here's a tip on how to incorporate physical activity into your daily life: WALK.

We're not talking about taking the time out of your busy schedule to work out -- that's important, too -- but infusing life- and limb-saving movement into your waking hours.

"Just move. Pace during phone calls, while you're brushing your teeth, while watching your son's soccer game," says Bryant, noting that every 20 steps a person takes is 1 calorie burned.

An eight-year study of 13,000 people also showed that people who walked 30 minutes daily had a significantly reduced chance of premature death compared with those who rarely exercised, reports the American Council on Exercise.

And there are plenty of opportunities to move those legs:

• Take the stairs instead of the elevator.
• Walk to the store.
• Window shop at the mall.
• Leave your desk and visit your co-worker instead of sending him an email.
• Walk and talk with friends instead of meeting for a meal

Healthy Habit No. 13: Plan

There is, perhaps, no better word in the English language to better illustrate how you can incorporate healthy habits into your everyday life.

"A little planning goes a long way," says Johnson. "Eating healthy never happens by accident."

For the most part, neither do good fitness, skin protection, healthy teeth, weight loss, and social ties. Many of these habits take effort that need to be scheduled into busy lives.

To eat healthy, for example, it would help to set aside time to draft a menu, make a grocery list, go to the store, prepare meals, and pack breakfast and lunch.

Susu bayiku BMT Morinaga

Susu yang Terbaik merupakan Bentuk Cinta Orangtua Terhadap Anak

Sebaiknya anak usia 0-6 bulan diberikan ASI tapi bagiamana dengan ibu yang sedikit ASInya, pasti anaknya kurang atau masih laper khan.....!!!!

Saya termasuk Ibu dengan ASI sedikit sehingga saya memberikan MPASI untuk anak saya dengan BMT Morinaga reguler dan di selingi dengan BMT Platinum...(harga BMT platinum +/- 50-100 rb bedanya dengan reguler).

Disini saya ingin berbagi... Alhamdulillah anak saya pada usia 2 bulan sdh lebih baik (pintar mksdnya red, gak enak aja ngomongnya) dari sebayanya (beda 1 atau 2 bulan dilingkungan tempat saya tinggal lho.......) bukan promosi red, tp emang kenyataannya begitu.
N saya mau menawarkan untuk para Ayah or Bunda yang menginginkan yang terbaik untuk anaknya ( pasti semua ortu maunya terbaik ya.....) n yang memberikan anaknya susu BMT morinaga baik reguler or platinum dengan harga lebih rendah dari harga pasar(mall mksdnya).

Untuk BMT morinaga reguler Box 800 gram Rp. 132.000

Dan BMT Platinum 800 gram Rp. 190.000

Ini harga saya beli per Desember 2010 ya.... sewaktu-waktu harga bisa berubah.

Saya membelinya dari Orang Kalbenya lho... bukan barang palsu...( tapi kalo khawatir boleh dilihat ditanyakan... cara ngeceknya dengan no batch dari produk tsb, kenapa karena no batch itu identitas dari si pembuat/industri yang memproduksinya jadi yang tau hanya orang-orang yang bekerja disana... (sok teu nie...hehehe.. tapi itu bener lho).
Untuk yang berminat bisa barengan belinya sama saya. Yuk kalo ada yang mau..... bisa sms saya, tapi saya antarnya hari sabtu or minggu ya... krn saya khan kerja....

Bagi yang berminat sms aku aja ya...... di 085782008430 tapi daerahnya terbatas ya... cuma pondok kopi, perumnas klender, pulogebang, Taman Modern, ujung menteng, harapan indah, THB, harapan baru regency.
Sory kalo kejauhan belum bisa....

Menghindari Resiko Kerusakan Otak

entu Anda memiliki rutinitas. Entah disadari atau tidak, kegiatan yang tidak pernah Anda lewati tersebut, lama kelamaan menjadi kebiasaan dan jika sewaktu-waktu Anda tidak melakukannya, Anda akan merasa hidup Anda tidak lengkap.
 
Jika kebiasaan Anda baik, akan menguntungkan, tetapi jika kebiasaan Anda merugikan, justru akan berdampak negatif bagi kesehatan. Beberapa kebiasaan yang sepintas tidak berbahaya, ternyata menyimpan risiko kerusakan otak ..
 
Agar lebih jelas, simak artikel di bawah ini dan ketahui kebiasaan buruk yang perlu dihindari :
 
1. Tidak Sarapan
 
Cukup banyak orang yang mengganggap bahwa sarapan tidak terlalu penting, dan bisa menggemukan. Atau sarapan bisa menimbulkan kantuk saat kerja nanti.
Pendapat ini salah. Tidak sarapan mengakibatkan turunnya tekanan darah yang nantinya akan mengurangi masukan nutrisi pada otak sehingga mengakibatkan kemunduran kerja otak
 
2. Kelebihan Makan
 
Terkadang orang lebih memilih tidak ngemil, akan tetapi mengambil porsi yang besar saat makan. Porsi makan yang langsung banyak tanpa sebelumnya diisi apa-apa selain bisa menimbulkan gangguan pencernaan, bisa menyebabkan pembengkakan di arteri otak, sehingga menyebabkan menurunnya mental power
 
3. Merokok
 
Banyak orang merokok sebagai pengalihan dari mengemil atau untuk menghalau stress. Merokok adalah kebiasaan yang dapat menyebabkan penyusutan daya memori otak secara multiply yang arahnya ke penyakit Alzheimer.
 
4. Konsumsi Gula Berlebihan
 
Maksudnya adalah terlalu banyak makan makanan manis sehingga kadar gula dalam tubuh tinggi. Sebenarnya gula itu sendiri tidak didapat dari makanan manis seperti permen atau es krim. Semua makanan itu mengandung zat gula, dan akan bertambah jika Anda mengkonsumsi makanan manis lainnya. Kelebihan zat gula dalam tubuh akan menghambat penyerapan protein dan nutrisi lainnya oleh tubuh sehingga tubuh Anda akan kekurangan gizi dan bisa menyebabkan terhambatnya perkembangan otak.
 
5. Polusi Udara
 
Lingkungan yang berpolusi akan mempengaruhi kesehatan kita. Otak kita adalah bagian tubuh yang paling membutuhkan oksigen bersih. Dengan menghirup udara yang berpolusi, otak akan tercemar dengan polutan sehingga dapat memperlambat fugsi kerja otak kita.
 
6. Kurang Tidur
 
Tidur adalah salah satu cara ampuh untuk mengistirahatkan otak. Jika Anda mengalami kesulitan tidur hampir setiap malam, dan sudah berlangsung cukup lama, hal itu akan mempercepat matinya sel-sel otak kita
 
7. Menutup Kepala dengan Selimut saat Tidur
 
Ini ada kaitannya dengan poin no.5. Tidur dengan selimut sampai ke kepala, mempersulit kita untuk bernafas dengan baik. Akibat yang muncul adalah otak akan kekurangan oksigen dan itu akan menurunkan kinerja otak kita.
 
8. Bekerja ketika Sakit
 
Sering kali beban pekerjaan menuntut Anda untuk tetap bekerja walaupun sedang sakit sekalipun. Sebagai informasi, tetap bekerja saat sakit atau tidak dalam kondisi prima, akan mengurangi efesiensi kerja otak, dan bisa berujung pada kerusakan otak.
 
9. Jarang Berpikir
 
Anda tahu gunanya psikotest? Fungsi utama dari beberapa materi psikotest itu adalah melatih otak kita berpikir cepat. Seperti yang Anda ketahui, berpikir adalah salah satu cara melatih otak kita. Kurangnya latihan untuk menstimulasi otak akan menyebabkan penurunan kinerja otak.
 
10. Jarang Bicara
 
Ada banyak orang pendiam, akan tetapi diamnya seseorang bukan karena dia tidak mau bicara, bisa jadi karena hanya ingin berbicara jika ada topik menarik. Tetapi ada juga orang pendiam yang memang benar-benar tidak ingin bicara. Berbicara itu sebenarnya penting untuk melatih kinerja otak kita.
Dengan terlibat aktif dalam pembicaraan terutama tentang pengetahuan, akan
mendorong dan melatih kinerja otak secara maksimal.  

SEHAT DENGAN MINUM AIR

Hidup Lebih Sehat dengan meminum air setiap hari - Dr. Don Colbert (Tips Menarik)

Jadwal yang disarankan untuk meminum dua liter air setiap hari :

30 menit sebelum makan pagi : 1 gelas
2,5 jam setelah makan pagi : 1 gelas
30 menit sebelum makan siang : 1 gelas
2,5 jam setelah makan siang : 1 gelas
30 menit sebelum makan malam : 2 gelas
2,5 jam setelah makan malam : 1 gelas
30 menit sebelum tidur : 1 gelas

Minum air sebelum makan memiliki dua kepentingan :
1. Akan mengurangi nafsu makan karena perut anda terasa penuh.
2. Memberikan manfaat positif bagi pencernaan anda.

Harmonisasi ASEAN dan Notifikasi Perizinan Kosmetik

Harmonisasi ASEAN di bidang kosmetik atau ASEAN Harmonized Cosmetics Regulatory Scheme (AHCRS) ditandatangi oleh 10 negara ASEAN pada tanggal 2 September 2003. Isi dari AHCRS itu sendiri berisi dua schedule, yaitu:

1. ASEAN Mutual Recognition Arrangement of Product Registration Approval for Cosmetic, yang diterapkan pada tahun 2003-2007.
2. ASEAN Cosmetic Directive (ACD), yang diterapkan mulai 1 Januari 2008 sampai sekarang.

Penerapan harmoninasi ASEAN :

Setiap produsen kosmetik yang akan memasarkan produknya harus menotifikasikan produk tersebut terlebih dahulu kepada pemerintah di tiap Negara ASEAN dimana produk tersebut akan dipasarkan.

Setiap produsen yang menotifikasi produknya harus menyimpan data mutu dan keamanan produk (Product Information File) yang siap diperiksa sewaktu-waktu oleh petugas pengawas Badan POM  RI (atau petugas lain yang berwenang di tiap negara).

Perbedaan yang mendasar dari harmonisasi ASEAN dengan sistem terdahulu (sistem registrasi) adalah, pada sistem registrasi ada pengawasan sebelum produk beredar (pre market approval) oleh pemerintah, sedangkan pada harmonisasi ASEAN tidak ada, dan hanya ada pengawasan setelah beredar (post market surveillance). Alasannya karena dari analisa penilaian resiko, kosmetik merupakan produk beresiko rendah sepanjang peraturan/regulasi kosmetik telah dipatuhi oleh produsen. Hal tersebut menguntungkan produsen karena dapat mempersingkat proses untuk memperoleh izin edar , karena tidak perlu evaluasi  pre market terlebih dahulu, tetapi konsumen tetap terlindungi karena adanya pengawasan post market berupa sampling dan pengujian mutu dan keamanan dari Badan POM. Industri kosmetik dituntut untuk bertanggung jawab penuh terhadap mutu dan keamanan produknya, untuk itu perusahaan kosmetik harus memahami semua ketentuan ACD dan membuat database keamanan bahan dan produknya.

Produk kosmetik yang telah dinotifikasi berdasarkan harmonisasi ASEAN, dapat dilihat dari nomor izin edarnya.

Nomor izin edar kosmetik (sistem registrasi), terdiri atas 12-14 digit:
2 digit huruf + 10 digit angka + 1-2 digit huruf (opsional, tergantung produk)
CD / CL 1 2 3 4 5 6 7 8 9 10 E / L / EL
CD : kosmetik dalam negeri
CL : kosmetik luar negeri (impor)
Angka 1-10 : menunjukkan jenis kosmetik, tahun registrasi, dan nomor urut registrasi
E : kosmetik khusus untuk ekspor
L : kosmetik golongan 2 (resiko tinggi)

Nomor izin edar kosmetik harmonisasi ASEAN, terdiri atas 13 digit:
2 digit huruf + 11 digit angka
CA 1 2 3 4 5 6 7 8 9 10 11
C  : kosmetik
A : kode benua (Asia)
Angka 1-11 : kode negara, tahun notifikasi, jenis produk, dan nomor urut notifikasi.

Meskipun sekarang semua produk kosmetik wajib dinotifikasi, tetapi produk kosmetik yang masih menggunakan nomor izin edar sistem registrasi masih berlaku dan dapat dipasarkan. Untuk pendaftaran kosmetik baru, tidak digunakan lagi sistem registrasi tetapi menggunakan sistem notifikasi. Sesuai PerMenKes No. 1176/MENKES/PER VIII/2010 tentang Notifikasi Kosmetika yang ditetapkan pada tanggal 20 Agustus 2010 dan berlaku pada tanggal 1 Januari 2011 dimana pada peraturan ini notifikasi merupakan bentuk dari izin edar dan notifikasi dianggap disetujui jika dalam waktu 14 (empat belas) hari kerja sejak pengajuan permohonan notifikasi tidak ada surat penolakan.

ASEAN Cosmetic Directive (ACD)

Yaitu peraturan di bidang kosmetik yang menjadi acuan peraturan bagi Negara ASEAN dalam pengawasan kosmetik yang beredar di ASEAN.

ACD merupakan aturan baku yang terdiri dari:
Artikel 1 : Ketentuan Umum
Artikel 2 : Definisi dan Ruang Lingkup Produk Kosmetik
Artikel 3 : Persyaratan Keamanan
Artikel 4 : Daftar Bahan Kosmetik, terdiri dari:

Negative list: daftar bahan yang dilarang
Positive list: daftar bahan yang diizinkan, meliputi: pewarna, pengawet, dan tabir surya

Artikel 5 : ASEAN Handbook of Cosmetic Ingredient (AHCI)

Adalah daftar bahan kosmetik yang masih diizinkan penggunaannya di Negara ASEAN tertentu, walaupun tidak termasuk dalam daftar bahan kosmetik ASEAN. Negara anggota dapat menggunakan bahan kosmetik yang tidak tercantum dalam daftar bahan yang diperbolehkan, dengan syarat:

• maksimal digunakan selama 3 tahun
• harus dilakukan pengawasan terhadap produk tersebut
• sebelum 3 tahun, bahan tersebut harus diusulkan untuk dimasukkan ke dalam AHCI untuk dievaluasi keamanannya.

Artikel 6 : Penandaan

Informasi yang harus dicantumkan dalam label adalah:

• Nama produk
• Cara penggunaan
• Daftar bahan yang digunakan
• Nama dan alamat perusahaan
• Negara produsen
• Berat/isi netto
• Kode produksi
• Tanggal produksi/ tanggal kadaluwarsa
• Peringatan, bila ada termasuk pernyataan asal bahan dari hewan.

Artikel 7 : Klaim Produk

Klaim didukung dengan data ilmiah dan formulasi dari bentuk sediaan. Penentuan suatu produk termasuk dalam “kosmetik” atau “obat” didasarkan pada dua factor, yaitu komposisi  dan tujuan penggunaan dari produk tersebut. Klaim yang dimaksud disini adalah klaim mengenai manfaat kosmetik dan bukan klaim sebagai obat/efek terapi.

Artikel 8 : Product Information File (PIF)

Meliputi data kemanan dan data pendukung untuk komposisi dan pembuatan sesuai dengan  cara pembuatan kosmetik yang baik.

Artikel 9 : Metode Analisa
Artikel 10 : Pengaturan Institusional
Artikel 11 : Kasus Khusus
Artikel 12 : Implementasi
Aneks (Tambahan)

• Daftar Kategori Kosmetik
• Persyaratan Penandaan Kosmetik ASEAN
• Pedoman Klaim Kosmetik ASEAN
• Persyaratan Registrasi Produk Kosmetik ASEAN
• Persyaratan Impor/Ekspor Produk Kosmetik ASEAN
• CPKB ASEAN

Kata Kunci yang digunakan untuk sampai ke tulisan ini:

harmonisasi asean (33)notifikasi kosmetik (31)harmonisasi asean kosmetik (12)buku panduan asia cosmetic dokumen (7)pendaftaran notifikasi kosmetik (5)harmonisasi kosmetik asean (5)notifikasi kosmetika (5)prosedur notifikasi kosmetik (5)harmonisasi asean di bidang kosmetik (5)permenkes 1175 (4)

Sertifikasi GMP untuk Perizinan Industri kosmetik

Peraturan perundangan yang baru untuk Sertifikasi GMP atau Izin Produksi untuk pabrik Kosmetik. Ini nieh permenkes-nya :

PERMENKES No. 1175 & 1176 TENTANG IZIN PRODUKSI KOSMETIKA & NOTIFIKASI KOSMETIKA

1. PERMENKES NOMOR 1175/MENKES/PER/VIII/2010  TENTANG IZIN PRODUKSI KOSMETIKA, ditetapkan pada tanggal 20 Agustus 2010

Pada peraturan ini izin produksi dibedakan atas 2 golongan yaitu :


1. Golongan A : izin produksi untuk industri kosmetika yang dapat membuat semua bentuk dan jenis sediaan kosmetika
2. Golongan B : izin produksi untuk industri kosmetika yang dapat membuat bentuk dan jenis sediaan kosmetika tertentu dengan menggunakan teknologi sederhana

2.   PERMENKES NOMOR 1176/MENKES/PER VIII/2010 : TENTANG NOTIKASI KOSMETIKA, ditetapkan pada tanggal 20 Agustus 2010 dan berlaku pada tanggal 1 Januari 2011

Pada peraturan ini notifikasi merupakan bentuk dari izin edar dan notifikasi dianggap disetujui jika dalam waktu 14 (empat belas) hari kerja sejak pengajuan permohonan notifikasi tidak ada surat penolakan.

Meninjau dari isi peraturan tersebut diatas, maka ada beberapa peraturan baru yang perlu difollow-up dengan pihak BPOM adalah sbb :

1.      1. Petunjuk Pelaksanaan Notifikasi

2.      2. Pedoman Dokumen Informasi Produk (DIP)

3.      3. Pedoman Penandaan Kosmetik

4.      4. Pedoman Klaim

5.      5. Mekanisme Monitoring Efek Samping Kosmetik (MESKOS)