Tag : entertainment - Asep Haryono | The Surprising Benefits of Sleeping Naked - Powered by Blogger

The Surprising Benefits of Sleeping Naked: Why You Should Ditch the Pajamas

While many people slip into cozy pajamas or loungewear before bed, an increasing number of health and wellness experts are touting the benefits of sleeping in the nude. Though it may feel unusual at first, sleeping naked offers a surprising range of physical, mental, and even relationship-related advantages. Here’s a closer look at why ditching your bedtime clothes might be worth considering.

1. Improved Sleep Quality
One of the most compelling reasons to sleep naked is that it can actually help you sleep better. Your body temperature naturally drops as you prepare for sleep, and staying cooler can support deeper, more restorative rest. Wearing clothing to bed can trap heat and interfere with this natural cooling process. Sleeping naked allows your body to regulate its temperature more effectively, which may help you fall asleep faster and experience fewer interruptions throughout the night.

2. Better Skin Health
Tight or synthetic sleepwear can cause friction and irritation, especially in warmer environments or for those with sensitive skin. Sleeping without clothes allows your skin to breathe, reducing the risk of skin conditions like rashes, breakouts, or fungal infections in areas prone to sweating. Airflow also helps keep areas like the armpits, groin, and feet dry, which can prevent the buildup of bacteria.

3. Enhanced Hormone Regulation
Temperature plays a crucial role in hormone production during sleep. Lower body temperatures encourage the release of melatonin and growth hormone, both of which are essential for cell repair, metabolism, and anti-aging processes. By maintaining an optimal sleep temperature through naked sleeping, your body can more easily access these restorative hormonal benefits.

4. Boosted Relationship Intimacy
For couples, sleeping naked together can strengthen emotional and physical bonds. Skin-to-skin contact increases the release of oxytocin, often referred to as the “love hormone,” which can foster feelings of trust, attachment, and intimacy. Even without physical intimacy, simply lying together without barriers can enhance closeness and connection.

5. Improved Fertility in Men
Men who are trying to conceive may find that sleeping naked supports reproductive health. Tight underwear or sleepwear can raise the temperature of the testicles, potentially affecting sperm quality and production. Cooler sleeping environments—achievable by sleeping naked—support better sperm health.

6. Promotes Body Positivity and Confidence
Regularly sleeping naked can help increase comfort with your own body. While it may feel awkward at first, over time it can normalize being in your own skin, promote self-acceptance, and reduce body shame. This small habit may boost overall self-esteem and confidence in unexpected ways.

When the night has come, be prepared to hit the sack. Photo Asep Haryono

A Few Considerations
While sleeping naked has numerous benefits, it’s not for everyone. Those living with roommates or in shared housing might feel more comfortable in light sleepwear. Additionally, if you experience night sweats or are prone to feeling cold, layering with breathable, natural fabrics like cotton or bamboo may be a good compromise.

Cleanliness is also key—washing sheets regularly becomes even more important when sleeping without clothes to prevent the buildup of sweat and bacteria.

Final Thoughts Sleeping naked is a simple, cost-free change that may offer a surprising boost to your physical health, emotional well-being, and even your relationship. If you're curious, try it for a few nights and see how your body—and your sleep—responds. You just might find that the best pajamas are no pajamas at all.

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Tag : entertainment, Keseharian - Asep Haryono | What Happened To Memphis Belle - Powered by Blogger

The Memphis Belle was a B-17F Flying Fortress bomber of the United States Army Air Forces that famously completed 25 missions over Europe during World War II without losing a crew member. The Memphis Belle and its crew were celebrated as heroes upon their return to the United States, and their mission accomplishment played a significant role in boosting morale both at home and on the front lines.

The Memphis Belle has since become an iconic symbol of American ingenuity and bravery during World War II, and remains a source of inspiration for future generations. The Memphis Belle is a testimony to the courage and determination of the crew members who flew it, and their unwavering commitment to carrying out their mission with precision and excellence in the face of great danger.

The Memphis Belle is a remarkable symbol of American aviation history, and the crew members who flew it were true heroes who demonstrated courage, dedication, and exceptional skill in the face of unimaginable danger.

Their success in completing 25 missions without losing a crew member was an incredible accomplishment that played a significant role in boosting morale during WWII. It is a testament to the aircraft's advanced design and engineering, as well as to the training and discipline of its crew members. Furthermore, the Memphis Belle remains an inspiration to future generations as a reminder of what can be achieved through determination and perseverance.

The legacy of the Memphis Belle underscores the crucial role that aviation played in achieving victory during World War II, and serves as a reminder of the sacrifices made by those who served. The importance of the Memphis Belle's mission cannot be understated, as it played a critical role in the success of Allied forces during World War II.

The story of the Memphis Belle is a true testament to the bravery and dedication of American servicemen during one of the most challenging times in modern history. The Memphis Belle's legacy serves as a reminder of the bravery and sacrifice of American servicemen during World War II, and continues to inspire future generations to honor and uphold the values of courage, dedication, and excellence in their own pursuits.

The Memphis Belle is a powerful symbol of American heroism and resilience in the face of adversity. The soldiers who received the Medal of Honor during the Spanish-American War were seen as symbols of patriotic and courageous service on the battlefield, embodying manly honor and selflessness in their actions.

These brave individuals demonstrated extraordinary bravery, risking their lives above and beyond the call of duty to protect their fellow soldiers and serve their country. Their recognition as heroes was not only for their daring risk-taking, but also for their willingness to make the ultimate sacrifice in defense of the nation.

Hemingway's depiction of war in his novel "For Whom the Bell Tolls" reflects his complex and ambiguous relationship with conflict. In "For Whom the Bell Tolls," Hemingway explores the moral and psychological dilemmas faced by individuals in war, highlighting the conflicting emotions and the toll that war can take on a person's psyche. The novel grapples with the harsh realities and complexities of war, portraying the internal struggles and choices that individuals face in such extreme circumstances.

Memphis Belle-  Photo taken from  JEJAK TAPAN NEWS Youtube Channel

A Movie About Memphis Belle
A film that tells the story of an American b-17 bomber in the Second World War era and its crew, but maybe everyone doesn't know why the Memphis Belle became a famous and legendary aircraft for the United States. for the US Army air Corps or now the American Air Force with factory serial number 3470

While the Military serial number is 41 strat 2448 these five aircraft entered Army air Corps test inventory on 15 July 1942 in September of that year The aircraft will be assigned to its unit in the 91st bombardment group at Bangor Mine a month later its journey to war will begin on 1 October 1942

He flew to his permanent home in the bomber squadron or when it was called the 324th bomber squadron, yes, it was at the Rafba Singh Brown base, England, as was the tradition at that time, planes were allowed to be named by their own crew, the name Memphis Belle itself was inspired by Margaret Fox, a woman who became Robert's lover. k Morgan the file plane pilot is a resident of Memphis tennessee

At first he intended to name the plane as little one pop's pet name not long after Morgan and the gfriends couple watched the film Lady fortnite Where the leading artist owned a riverboat nicknamed the Memphis Belle after watching the film Morgan and his team agreed to name their plane with Memphis Belle

Then he contacted Jose from Esquire magazine where he asked for a girl's picture for the name Teti agreed and gave him a painting of a woman that had been published in the April 2941 issue of the painting then painted by group 91 artist Corporal Tony Stark er then what made Memphis pellets so famous in November 7, 1942 Belle flies For her first combat mission

This was the start of her great story since Belle became the first heavy bomber to complete 25 missions with her crew intact and make it back to the United States a feat that many considered impossible as the average in the then 8th air force was 18 missions. before losing the plane or initially

Belle was a tough girl repeatedly taking gunfire and kept flying when it was damaged she was quickly repaired and the Crew flew on another plane among the damage repaired including replacement of 9 engines both grandpa or wing and both main landing gear [Music] originally the plane was on a bombing mission against Nazi positions in France his first mission was to attack the French city of Brest on 7 November 1942

While the first mission to attack Germany was carried out on February 14, 1943 by dropping a bomb on the city of HAM, the last mission was on May 17, 1943 by attacking the city of Lorian, France and after that the plane was flown back to the United States on June 8, 1943 to tour Warbon, the plane was still flown by the original crew. Billy during the war

It was during this trip that the names of the crew were added to the plane as well as the 25 bombs which marked the 25 successful missions. Memphis tennessee

The plane was finally placed in storage until 1949 until he was transferred to be placed in the national for the Armory where he sat until the 1980s his condition worsened because he was outdoors even a number of parts were stolen and damaged in the 1970s

Another mayor returned the plane to the U.S. Air Force who allowed the city to keep the plane on condition that it be returned to its former glory in 2003 Belle was moved to an indoor restoration facility but again no action was taken this condition led to the U.S. Air Force requesting that the plane be returned to them to be restored and displayed in the National Museum of the American Air Force Tono Hyo shop

In October 2005 the restoration of the Memphis Belle began 12 years of painstaking restoration the dream of the Memphis Belle being restored has finally come true this being part of the most extensive restoration in history the Belle Air Force museum was completely torn apart rebuilt and painted money exactly as she landed after his 25th mission

In may-2018 the aircraft was officially placed in the Museum of mission although admittedly Belle reached the rare number 25 in fact it is not the first honored bomber it actually belongs to the b-24 liberator Hot Stuff from bombardment group 330 who completed this extraordinary milestone three and a half months previously Unfortunately the Liberator crashed while on its way to America for a Warbon tour after completing five additional missions in Europe. (Taken From Many Resources)

Tag : entertainment - Asep Haryono | RIP Tina Turner - Powered by Blogger

Tina Turner, a music legend, has died at the age of 83. Tina Turner, the singer known for soul classics and pop singles such as The Best and What's Love Got to Do With It, has died at the age of 83. Turner as we know that she has a phenomenal history of health such as a stroke kidney failure and cancer.  Tina also know as one of the awesome singer whose deep, and strong voice.

The world recognized her amazing singer as as a solo performer and arround in the 1980s, she was dubbed the "Queen of Rock 'n' Roll" for her bawdy and exuberant stage performances

Music Legend Tina Turner Passes Away at 83.  Image taken from PlayBill

She rose to notoriety as a backup singer for her husband's band, The Kings of Rhythm, after being born into a sharecropping family in Tennessee.She quickly took over as frontwoman for the band, and the couple enjoyed financial success with Fool in Love and It's Gonna Work Out Fine, both of which charted in the United States in the early 1960s.

Their other success was 1973's Nutbush City Limits, which was about Tina's hometown. But Ike's physical and emotional abuse were having an effect. He was the one who changed her name from Anna Mae Bullock to Tina Turner without her knowledge, just one example of his domineering behavior.

In her 2018 memoir, My Love Story, she remembered the pain she experienced throughout their relationship, comparing sex with the late singer to "a kind of rape." After leaving her abuser, she rebuilt her career and went on to become one of the top pop and rock performers of the 1980s and 1990s, with singles such as Let's Stay Together, Steamy Windows, Private Dancer, James Bond theme GoldenEye, 

She also appeared as the Acid Queen in the 1985 film Mad Max Beyond Thunderdome, which featured another of her hits, We Don't Need Another Hero, and in The Who's 1975 rock opera Tommy.

Her second spouse, German music executive Erwin Bac, brought her happiness. They started dating in the mid-1980s and married in 2013. Turner obtained Swiss citizenship while living in Switzerland. In 2017, he gave one of his kidneys to her after it was determined she had kidney failure.

In 2018, she also experienced sadness with the suicide of her firstborn son Craig. Raymond Hill, Turner's former bandmate, was his father. Another son, Ronnie, died in 2022, the son of Ike Turner.  Ike Jr. and Michael, her two adopted sons. Tina's life story inspired a 1993 biography named What's Love Got To Do With It, for which Angela Bassett received an Oscar nomination for her performance

Rest In Peace Tina Turner

Rest In Peace 'Queen of rock 'n' roll' 

 

 

(Taken from many Resources)

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Tag : entertainment - Asep Haryono | Billie Eilish - Powered by Blogger

Billy Eilish is the youngest breakout musical star since lord with the most mature voice and mentality about her work she doesn't care what you think about it and it doesn't bother her to speak her mind so where does this confidence come from and how did she become the fearless hit singer that she is today?

Within only a few short years billy went from unknown to having millions upon millions of fans that only held up because the girl is crazy talented there's one side of billy pre-fame that made her into the woman that you see today.

If you're a fan of our awesome content check out the community section below and chat about all your favorite celebs gossip and much more thanks for tuning in here at the taco now let's see the true billy eilish story and her rise to fame.

Billy grew up like any normal kid without knowing that one day people would be screaming her name she grew up with idols and celebrities she looked up to and now that she's in their place she admits that it's quite weird turning 17 on december 18th of 2018 she has the whole world watching the exploration of her youth.

We're certain you've already heard the story but after the hit single ocean eyes was posted online for her dance teacher to hear it took off by a totally unexpected fluke phineas billy's older brother called her up to tell her that they had made it to 1 000 plays and that they had made it but that number kept rising and rising from that date november 18th 2016 billy's world has changed.

She's been rocking and rolling hollywood ever since releasing multiple songs with her brother and collaborating with some of the best she's even got her own tour and was named apple music's up next artist in september of 2017 after the release of her first ep called don't smile at me.

So how did this homeschool girl go from dance classes to being on stage with millions of fans in only like a couple short years what was her life like prior to the fateful posting of ocean eyes in a blossoming artistic household.

Billy grew up with her loving parents and her older brother phineas she was named billy eilish pirate baird o'connell at birth and we know exactly what you're thinking you want a middle name like pirate too billy's parents were both successful artists her family's roots were english irish scottish and belgian but she was born in the heart of the entertainment world los angeles.

Billie Eilish rilis video musik ilomilo. (FREDERIC J. BROWN / AFP)

Her mother maggie baird is an actress musician and songwriter who you may recognize from various video games and small stints on television shows her father patrick o'connell is also an actor who acted alongside both his wife and his son in the successful 2013 indie drama life inside out the film was a whole family affair except for billy that is but that didn't bother her one bit she was focused on becoming a world-renowned dancer billy's first aspirations were centered around dance.

She would be at the studio practicing for over 11 hours a week the dance studio was called revolution dance center or rdc for short located in montrose california which was billy's hometown of los angeles the city of angels that would one day swoop her into its arms billy mainly focused on contemporary dance but practiced many other kinds including aerial skills and one such performance with fellow dancer simone midby to pink's song why did i ever like you it became a hit on youtube.

After billy's rise to fame but her dreams of making a name as a dancer didn't last billy was just about to begin competing with her dance company when something tragic happened she was severely injured and could no longer pursue dancing at the degree she wanted prior to her first competition she suffered a series of injuries which included a strained groin growth plate and ankle it took her out of the competition

Only days before she was supposed to go on stage as heartbreaking as this sounds billy still continued to create what she felt was necessary which included writing songs and making covers with her brother in response to her dance injuries billy told v magazine.

 

My body is not a friend of dance which is unfortunate but it gave me a lot of time to do other things which has been both good and terrible growing up Billy with her brother two joined the los angeles children's choir at around 8 years old which taught her how to use her voice properly without hurting it 

 

Billy wrote her first lyrics at the young age of 11 and continued writing since then a true budding artist continuously practiced her skills both phineas and billy were homeschooled and it didn't stop billy from being open and social despite her famously not liking it when people smile at her she developed her own sense of style and had close friends. (From many resources)

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Tag : entertainment - Asep Haryono | Bird Watching - Powered by Blogger

The fascinating pastime of bird watching is enjoyed by people of all ages and socioeconomic levels. It comprises observing and recognizing a wide variety of birds in their natural habitats with the use of binoculars, telescopes, and the human eye.

Bird watching is also a wonderful way to connect with nature, appreciate the beauty of our surroundings, and learn about different bird species. Not only is bird watching fun, but it also benefits the economy and the environment. Diverse groups of bird watchers are interested in different aspects of the biodiversity of birds to varying degrees.

Some bird watchers call themselves "twitchers," or individuals who strive to observe and record as many birds as they can. On the other hand, 17.8 million well-educated, environmentally conscious people travel the world as part of a growing recreational activity known as bird watching to see birds in their natural habitats.

Photo taken from CBC /  (trattieritratti/Shutterstock)

This market is expanding, has a substantial economic impact, and might contribute millions of dollars to local economies. Even today, the study of birds is interdisciplinary and draws on geography, sociology, ecology, economics, and conservation. It's referred to as avitourism.Compared to hunting, passive leisure activities like bird watching have a much larger potential to support community-based conservation.

Because it's simple, enjoyable, and a great way to spend time outdoors, birding is one of the world's fastest-growing pastimes. Additionally, birds are stunning, fascinating creatures that can be found in almost any habitat, including urban areas. Once you start paying closer attention to birds, you'll be joining the ranks of many renowned birders.

How to get started today to get started birding
If you hang up a bird feeder or keep in mind that the type of food you put out can determine what kinds of birds visit to your feeder, you can learn a lot just 10 minutes of window-watching. Being able to engage in birding pretty much anywhere, at any time, makes it a fantastic activity. If, however, you come to the conclusion that you are truly fascinated by birds, you may someday join the ranks of ardent birders who travel great distances to watch rare birds as they migrate.

Consistency is important. Fortunately, this is still another fantastic part of birding. The next thing you'll need is birding equipment. Particularly in times of scarcity, birds are far more likely to visit feeders that have been regularly refreshed. Be patient because it can take some time for the neighborhood birds to find your feeder.

All you really need is a reliable field guide, which you can use as an app on your smartphone if you don't want to spend money on pricey equipment. I'll be looking at various wildlife ID applications in a later movie, but I particularly value the practicality of field guides in the form of books. Binoculars could be helpful as well. Before you start burning, a tape recorder, a waterproof notebook, or even a camera are all options.

Use your field guide properly and pay special attention to the so-called field marks, which are characteristic colorations or patterns on birds that make them easy to spot even from a distance or while perched high in a tree. You might wish to start taking notes about the birds you see after you start watching them.

Many websites and citizen science initiatives would want to gather your birdwatching data. Thousands of bird sighting reports from all over the world can be found on the website eBird. Many birders maintain a life list that details the time and location of the first time you saw each species.

To see which birds are most likely to be observed in your region, consult the Ebert records. Scientists may use this data to predict future bird populations. You could also participate in the Big Backyard Bird Count and the Christmas Bird Count sponsored by the Audubon Society.

While participating in these activities is optional, it's best to go birding with a friend. In addition to family, there are several birdwatching clubs whose members will be ready to mentor new birders. I first became interested in birds thanks to my grandpa, with whom I spent many weekends in the woods together.

I'll provide some links in the description, but let's try some simple bird identification first. This is a classic. The American Robin can be recognized by its black head, grey back, and orange tummy. It is another common sighting across much of North America. However, the male English sparrow in this image can be recognized by its brown back, grayish-white stomach, and little black patch beneath its beak.

To the left of the yellowish birds with black and white banded wings, which are American gold finches, is a tall, grayish blue bird with a darker cap on its head. Eastern bluebirds are the birds with blue backs and orangish red tummies. Finally, let's do one water bird for fun.

Do you have a favorite place to go bird watching? When did you start learning to bird, and did you have a teacher or did you learn it on your own? I really believe that everyone should give birding a try at least once, and perhaps this post has equipped you with the information and know-how to begin.

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Tag : entertainment, Keseharian - Asep Haryono | Why You Should Buy Everything With Credit Cards - Powered by Blogger

Imagine ordering a coffee and slipping into a daydream. Are you also hearing Jennifer Garner, ask "what's in your wallet?" Well, what's in your wallet is very important. And as for all that credit card rewards talk, she might be on to something.

Most people should be able to save at least a few hundred dollars every year just by using the right credit cards. If you travel as much as Peyton Manning or are a diehard Swifty trying to save on those expensive concert tickets, as these commercials will tell you, there's a card for everyone.

And those cards will save you money. Well, that is if you have the funds to make the rewards worthwhile. They could be really useful, or they could be dangerous. I think the biggest tip is to know yourself. Love them or hate them, those plastic or metal cards that can instantly purchase anything from a coffee to a car are no stranger to consumers, more than 80% of Americans own at least one credit card. Every time you pay for something with a credit card, you're borrowing money from the card issuer to cover your purchase.

Photo taken from Stocphoto

While it might feel like it, it's certainly not free, you then have to pay that money back either in full at the end of the month or over time - with interest. The average credit card charges about 20% interest these days. So it is a very profitable business. So first things first.

If you're not in a place where you can pay that money back by the time it's due, experts don't recommend you have a credit card at all. 20% interest on a balance that you've accumulated and then you pay interest on top of that. I mean, that's a really big hole that you're continuing to dig and it's going to be really hard to get out of if you don't pay your credit card balance. Credit cards require approval. Once you're approved, the bank authorizes a credit limit or the maximum amount of money you can borrow.

That depends on factors such as your income, your other debts, and how much available credit you have on other cards. But here's the caveat: whether or not you're approved depends on your credit score. Meanwhile, your credit score is determined by your credit report the information related to your credit activity activity you might not have if you don't have a credit card. It's a catch 22.

How do you build your credit history?
Well, the simplest thing is really to get a credit card, use your credit card and pay it on time. Credit scores generally range from 300 to 850. The higher the credit score, the more responsible you're deemed. Credit scores not only affect whether or not you get approved for credit cards, but also your credit limit.

And your interest rate on loans, mortgages and the terms lenders may assign you. insurance providers landlords and employers might also want to do a check to determine your trustworthiness. If your goals are to buy a house, get a car, get a loan. The first thing that you need to do in order to build your credit history is to get that credit card going.

Those Jennifer Garner commercials are for Capital One, but there are numerous companies in the US that offer a wide range of credit cards. There's the issuers American Express, Discover Bank of America, Citi, Wells Fargo, and then there are the networks.

They facilitate transactions between the merchants and the card issuers. The four major card networks are Visa, MasterCard, American Express and Discover. Two of the world's largest card networks, American Express and Discover, are also card issuers. There are standard credit cards, rewards cards, balance, transfer charge, student business secured limited purpose prepaid cards, and the list goes on - different options that may or may not be right for you depending on your personal circumstances. Standard credit cards are the most traditional type.

They have an Annual Percentage Rate or APR, sign-up bonuses, annual fees, late payment fees, balance transfer fees, foreign transaction fees and the most exciting - rewards. There's actually a whole industry dedicated to maximizing credit card points and miles. Some people love it and they love going down that rabbit hole and treating it like a game.

Bankrate.com Senior Analyst Ted Rossman earned more than $1,700 in rewards in 2022. But getting the most out of your credit cards depends on your spending habits, which perks would save you the most money. So how do you choose? If your family spends a lot on groceries, get a card that gives 5% or 6% cash back on groceries, like that's a really nice inflation buster right there.

Maybe consider a second card that's just a solid flat rate, something like 2% cash back on everything. Most people should be able to get at least $200, $300, $400 a year just by using the right cards. Rossman says the rewards that get the most attention are often travel related flights, hotels, rental cars, access to airport lounges, free or discounted TSA PreCheck, priority passes, Global Entry or clear to get you through those long airport lines.

I think a really good strategy for a lot of people is one of those transferable points cards, something like Chase Sapphire Reserve or Amex platinum. Being able to transfer to different airlines and hotels opens up a lot of options. The sort of next level tip is within that - if you find partners of partners like United's part of the Star Alliance and American as part of one world. Then there's rewards for dining, groceries, gas, and also complimentary memberships and subscriptions.

Big perks for many are extended warranty and purchase protection. A couple of years ago, I actually saved $300 on an Apple watch repair, the credit card covered the replacement. But according to Bankrate, Americans' favorite credit card reward is cash back. Think especially now with high inflation, I mean, who couldn't use more cash right? Whereas redeeming for merchandise will likely not get you the most bang for your buck.

Other rewards include sign-up bonuses, fraud protection, and having the ability to invest your money and take advantage of interest rates. Another thing to consider is how much work you're willing to do.

Are you that person who's going to tape notes onto your cards to remind yourself which should be used for different types of purchases? I know some people that have 30 or more credit cards, and they have really good credit, and they get really good perks, and they're constantly flying first class for free.

Now that's not for everybody. Of course, the average American has about four credit cards. But even with four cards, sometimes there can be a game element to this. Having multiple cards and playing that rewards game can get you some substantial sign-up bonuses, like the Capital One Venture Rewards credit cards' 75,000 miles, or Ink Business Unlimited's $900 in cash back.

If you are playing this rewards game, which a lot of people like to do, because they like that upfront bonus, you're getting a new credit card, and then you close it out, you're losing that credit history. So my recommendation is not to do that.

Only use a credit card if you can use it responsibly. American credit card balances reached $986 billion in the last three months of 2022. The big fork in the road is whether or not you carry a balance. If you pay your credit cards in full every month, then yeah, I think you should use your credit card for everything because rewards are great, they can really add up over time.

Even though it's simple math, a 2022 survey found that among credit card holders who carry a balance, cash back was more than four times as popular as a low interest rate. Meanwhile, a large share of those who owe debt - 40% - don't even know the interest rate for the primary card on which they owe money.

One of the biggest things that we see about the spending of credit cards and those that are using it incorrectly are those that are either from lower income households, those that are uneducated in this because no one is talking to them about money.

A recent Bankrate survey found that 30% of those without a high school degree didn't redeem the rewards compared to 16% with a four-year degree and the lower an American's income, the more likely they were to let those rewards sit as well. More than 30% of those with annual household incomes below $50,000 left value on the table, compared to about 20% of those with incomes between $50,000 and nearly $80,000.

And just more than 10% with incomes of $100,000 or more. SageMint Wealth managing partner Anh Tran says culture plays a big part in how people spend. I grew up in an immigrant family, I wasn't taught about personal finance, you just make as much money as you can and get yourself out and build wealth for yourself. Tran recommends having two credit cards and three if you're a business owner: one for primary expenses, a second as a backup, and a third to keep business expenses separate.

She says there should also be thought going into your credit card limit and your spending ratio. Let's say you have one credit card, and you've got a $10,000 limit on there, and you spent all the way up to $9,000. That actually will lower your credit score because your credit-to-debt ratio is not good because you've used up most of your credit. So the rule of thumb is I would say try to stick to around 30% and using what your credit availability is.

And so that's why having a second card will give you a little bit of leeway and giving you more credit to spend. For those with credit card debt while experts don't recommend you open multiple credit cards and try to maximize your rewards, that doesn't mean you shouldn't work on ways to build your credit so that you can get to that place. If you have credit card debt, no shame a lot of people do - about half of card holders, but you need to put your interest rate first.

So maybe seek out a 0% balance transfer card or stick to the lowest rate card you can find or just use cash or debit until you're debt free. There are a lot of cash back rewards cards that do not have annual fees that will give you 1% back on all your purchases, and that is probably the most simple.

Now let's say you get to a place where you've got some plastic in hand, and you're feeling good about those rewards. The work doesn't end there. She says you should continue to reevaluate your debt and credit cards at least once a month Tracking your finances, whether it's on an Excel spreadsheet or using an app like mint.com, something that will track what all of your assets, all of your debt and liabilities are so that you know where everything is.

And if you're racking up those points, use them. Almost a quarter of rewards credit card holders haven't redeemed any rewards in the past year. And that's an improvement from the 31% of those who didn't in the preceding 12 months. It doesn't get more valuable over time.

In fact, a lot of times these programs change their rules in ways that the industry calls devaluations like basically it costs more points or miles to get the free flight or the free hotel stay. So use them sooner rather than later. And then cash back can lose value to inflation. Most people are scared of money and you shouldn't be. If you know the facts and you understand how money works, it can be really empowering. (Source : CNBC)

Tag : entertainment - Asep Haryono | REVIEW FILM : Ayat Ayat Cinta 2 - Powered by Blogger

Catatan Asep Haryono

Setelah lama mengamati trailer film Ayat Ayat Cinta 2 di Youtube beberapa minggu terakhir ini, akhirnya tanggal 23 Desember 2017 malam minggu saya pun berhasil menonton film besutan MD Pictures yang naskahnya berasal dari novelis legendaris Habiburrahman El Shirazy atau Kang Abik di Bioskop Cineplex XXI Ahmad Yani Mega Mall di Jalan Ahmad Yani Pontianak, Kalimantan Barat.

Saat film Ayat Ayat Cinta 2 ini diputar , saya yang duduk di Row C Seat 16 Gedung Bioskop XXI Ayani Mega Mall ini , mendengar petikan musik intro lagu "Ayat Ayat Cinta" yang dilantunkan oleh penyanyi cantik bertubuh mungil Rossa. Lagu yang diciptkan oleh pencipta lagu legendaris Melly Goeslaw ini juga sukses menciptakan lagu soundtrack untuk Ayat Ayat Cinta 2 berjudul "Bulan Dikekang Malam".  Barulah setelah saya melihat film ini sampai akhir baru bisa memahami teks lagunya

BILBOARD : Inilah bilboard film Ayat Ayat Cinta 2 yang berhasul saya ambil gambarya (23/12/2017) sebelum film dimulai. Foto Asep Haryono

MEGAH:  Trailer traier Film pembuka film Ayat Ayat Cinta 2 sudah dimulai. Foto ini saya jepret di bangku saya nomor 16 Row C (23/12/2017). Foto Asep Haryono

Sejak awal saya berharap film ini akan lebih menguras air mata melebihi saat saya menonton film Ayat Ayat Cinta yang pertama yang sukses mencetak box office pada tahun 2008 yang lalu yang juga di Ahmad Yani Mega Mall.   Jika dalam film pertama Ayat Ayat Cinta (2008) syutingnya di lakukan di Kairo Mesir (Universitas Al Azhar ), maka dalam film kedua Ayat Ayat Cinta 2 ini mengambil lokasi di Edinburg (Skonlandia), Hungaria dan Inggris .

Baca juga - Eh ada Kang Abik

JIka dalam film Ayat Ayat Cinta Pertama (2008) pemeran Aisya diperankan secara sempurna oleh Rianti Cartwright, maka pada film Ayat Ayat Cinta 2 ini diperankan oleh artis senior Dewi Sandra.  Bedanya adalah Aisya baru "dimunculkan" sosoknya setelah nama samarannya Sabina terbongkar.  Sabina yang semula diperankan sebagai wanita yang menumpang di rumah Fahri (Fedi Nuril) akhirnya terkuak sebagai Aisya yang selama ini dirindukan oleh Fahri.

Film Ayat Ayat Cinta 2 ini tidak dipungkiri menampilkan keindahan sudut sudut kota Edinburg di Skotlandia, dan beberapa sudut lainnya di kota London dan Hongaria.  Gedung gedung yang indah disertai dengan pemandangan kota di tiap sudutnya yang menawan dan mempesona.  Walaipun saya belum pernah ke London atau Edinburg, yah setidaknya saya bisa melihat keindahan kota kota kelas dunia tersebut dalam film ini
 

KANG ABIK :  Saya dan Habiburrahman El Shirazy atau Kang Abik.  Foto ini diambil saat beliau dan rombongan bersilaturahmi ke Redaksi Pontianak Post lantai 5 hari Jumat, 23 Nopember 2012.   Foto Istimewa

Kurang Emosional
Seperti yang sudah saya sebutkan di atas. sebelum film diputar. saat saya duduk di Seat 16 Row C bagian belakang dalam Bioskop Studio XXI Ahmad Yani Mega Mall, saya sudah berharap banyak film ini akan lebih menguras air mata dari film Ayat Ayat Cinta yang pertama (2008). 

Namun sayang sekali saya harus sedikit menahan kecewa karena harapan saya tidak terwujud. Secara umum film Ayat Ayat Cinta 2 ini alur ceritanya masih bisa "panjang" mengingat karakter misterius Hulya (yang diperankan dengan baik sekali oleh Tatjana Saphira) dan Sabina (Dewi Sandra) yang menurut saya adalah "pilar' di seri kedua ini belum tergarap "utuh".

Satu catatan kecil : Dalam Ayat Ayat Cinta pertama (2008) karakter Aisya yang diperankan Rianti Cartwright yang berpostur slim (langsing) sangat match dengan karakter Fahri (Fedi Nuril) yang berpostur tinggi dan proporsional.  Dalam Ayat Ayat Cinta 2 (2017) tokoh Aisya yang diperankan oleh artis senior papan atas Dewi Sandra sedikit terlihat (agak) gemuk.  Pemeran film layar lebar idealnya tidak gemuk karena tidak bagus di kamera.  Wajah tidak masalah. Baik Dewi Sandara dan Rianti Cartwrigth dua duanya cantik.

Ada artis Malaysia dalam film Ayat Ayat Cinta 2 ini.  Fazura yang memerankan karakter Brenda adalah artis Malaysia  Karakter Brenda , seorang wanita cantik berprofesi sebagai pengacara ini berlogat atau beraksen Malaysia. Saya mencoba menelaah bahasa yang diucapkannya memang khas logat atau aksen Malaysia. Mungkin Kuala Lumpur? I dont know.  I am not sure.  Para pembaca yang budiman sudilah kiranya mengkritisi saya.

Penyelesaian yang terlalu cepat hingga akhirnya Aisya (Dewi Sandra), istri Fahri (Fedi Nurill) seperti terlalu cepat di munculkan.   Saya rasa bisa saja sih diperpanjang hingga menemukan chemistry nya namun saya kuatir filmnya akan lebih dari 2 jam penayangannya.   Justru karakter Keira yang diperankan artis papan atas Chelsea Islan yang meledak ledak  seperti "hero" yang menyelamatkan film Ayat Ayat Cinta 2 ini agar tidak terjebak dalam "datar" nya .

TIKET : Tanda masuk nya Rp.60.000 khusus untuk hari Sabtu dan Minggu di Ayani Mega Mall XXI.  Foto Asep Haryono

Penggunaan campura bahasa yakni Bahasa Indonesia dan Inggris dalam film ini sedikit agak mengganggu konsentrasi saya yang menyaksikannya.  Dalam pandangan saya jika harus konsisten sebaiknya menggunakan Bahasa Indonesia saja.  Toh jika film ini akan go International sudah bisa dilihat dari terjemahannya dalam Bahasa Inggis dalam running text nya.  Jadi penggunaan Bahasa Indonesia dalam pandangan saya seharusnya tetap dominan dan tidak dicampur dengan penggunaan Bahasa Inggris.

Film yang banyak menggandeng Sponsor produk ini jelas terlihat.  Beberap akali dalam scene di film Ayat Ayat Cinta 2 ini memperlihatkan logo perusahaan yang menjadi mitra atau sponsor dalam film ini seperti Wardah Kosmetik, Handphone merek SAMSUNG, dan beberapa produk lainnya.

Secara keseluruhan film Ayat Ayat Cinta 2 ini sangat memikat. Bertaburan bintang bintang papan atas Indonesia dan semuanya berparas cantik.

Ada satu dua scene yang menurut saya yang paling EMOSIONAL adalah saat detik detik Hulya (Tatjana Saphira) menghebuskan nafasnya yang terakhir dirumah sakit yang disaksikan oleh Fahri (Fedi Nuril) dan Aisya (Dewi Sandra). Adegan inilah yang paling menguras emosional saya, dan paling mengharukan.  Dalam pandangan saya scene inilah yang menjadi highlight dari Ayat Ayat Cinta 2 ini. Lagu "Bulan Dikekang Malam" sangat sangat match dengan isi alur cerita film.  Saya terharu karenanya.  Its very emotional song I have heard from all series of this "Verses of love" movies so far. Very captivating. Very touching. 

Dan pada adegan saat prosesi Ijab Qabul antara Fahri (Fedi Nuril) dengan Hulya (Tatjana Saphira) dinyatakan sah oleh para saksi saksi dan dilanjutkan dengan menyalami keluarga, di saat itulah Sabina (Aisyah) berlari meninggalkan ke luar dari ruangan dengan berlinang air mata bercucuran.   Sabina lari ke dalam rumah Fahri (Suaminya) memeluk sebuah foto kenangan indah saat Fahri dan Aisyah bergandengan tangan dengan cucuran air mata.  Dari scene ini juga menguras emosi saya.  Saya terharu juga karenanya.  Very emotional yes. 

Scene ini mempunyai kemiripan yang amat tinggi dalam Ayat Ayat Cinta pertama (tahun 2008) adegan dimana saat Fahri (Fedi Nurul) meminang Maria (Carissa Putri) di bangsal rumah sakit. Saat proses meminang berlangsung lancar dan sah di saksikan para dokter sukster dan kerabat keluarga kedua nya, Aisyah (Rianti Cartwright) juga berlari keluar dari ruangan kamar rumah sakit juga dengan bercucuran air mata.   Sangat mengharukan. Banyak penonton yang terharu dan menitikkan air mata menonton adegan ini.

Saya merasa wajar saja karena saya kira sponsor juga turut berpartiisipasi di dalam penggarapan film ini. Bisa saja sponsor membantu dalam pendanaan dan lain sebagainya. Akankah Film yang konon berdana besar ini mampu mencetak jumlah penonton terbanyak dan mendatangkan profit melebihi kesuksesan Ayat Ayat Cinta pertama? Kita lihat saja nanti.  Demikian Review Film : Ayat Ayat Cinta 2 ini yang saya buat setelah saya menontonnya secara langsung di Bioskop. Terima Kasih (Asep Haryono)