5 Obat Herbal Darah Tinggi Yang Dijamin Manjur

5 Obat Herbal Darah Tinggi Yang Dijamin Manjur

Darah tinggi merupakan salah satu penyakit yang bisa menyebabkan penyakit lain yang lebih parah, darah tinggi sendiri disebabkan oleh tekanan darah pada salurah arteri yang mengalami peningkatan. Hal ini menyebabkan kinerja jantung sangat berat jika dibanding dengan keadaan normal, jadi darah tinggi akhirnya bisa menyebabkan serangan jantung hingga stroke.

Bagi anda yang memiliki penyakit hipertensi / darah tinggi, sebaiknya anda mengkonsumsi beberapa obat herbal hipertensi atau obat herbal darah tinggi secara rutin. Obat herbal untuk darah tinggi sangat enak dan sering dikonsumsi banyak orang loh, penasaran apa saja obatnya? Yuk simak ulasan nya berikut ini:

1. Mentimun

Herbal sakit kepala tidak jauh berbeda dengan darah tinggi karena biasanya sakit kepala juga disebabkan karena darah tinggi. Cara mengatasinya adalah dengan mengkonsumsi mentimun karena mentimun sendiri mengandung mineral potassium yang bisa menurunkan tekanan darah tinggi.
Anda hanya perlu mengkonsumsi mentimun mentah setiap hari dan bisa dijadikan jus, tetapi jangan terlalu sering juga karena bisa menurunkan tekanan darah terlalu banyak. Jadi konsumsi saja secara rutin tapi tetap jangan terlalu berlebihan karena tidak baik bagi kesehatan anda.

2. Blewah

Herbal hipertensi selanjutnya adalah Blewah yang merupakan salah satu buah yang biasa disajikan ketika bulan ramadhan karena sangat menyegarkan. Blewah memiliki kandungan mineral potassium juga sehingga mengkonsumsi blewah setiap hari akan menjaga tekanan darah tinggi tetap normal.

3. Rumput Laut

Rumput laut merupakan obat Herbal untuk darah tinggi selanjutnya yang wajib anda ketahui karena rumput laut mampu menurunkan tekanan darah tinggi. Penelitian Jepang menunjukkan bahwa rumput laut mampu mengobati hipertensi dan bermanfaat bagi anda yang memiliki kolesterol tinggi.

4. Bawang Bombay

Obat herbal darah tinggi selanjutnya adalah bawang Bombay yang berguna untuk mengontrol tekanan darah dan menekan kadar kolesterol dalam darah. Caranya adalah dengan mengkonsumsi bawang Bombay secara rutin 4 kali dalam seminggu agar hasilnya bisa maksimal.

5. Mengkudu

Mengkudu merupakan buah segar yang baunya memang kurang sedap, tapi buah ini kaya akan manfaat untuk kesehatan. Mengkudu bisa dijadikan obat darah tinggi dengan mengkonsumsi mentah-mentah, bisa dijadikan jus maupun mengkonsumsinya langsung, tambahkan madu agar lebih enak.

Itulah 5 obat herbal darah tinggi yang bisa anda buat sendiri, dan tidak lupa juga kami memberikan rekomendasi obat herbal dengan harga terjangkau dan manjur agar anda tidak perlu repot-repot membuatnya, cek saja di www.halalmartindo.com, terima kasih.

5 Obat Herbal Radang Tenggorokan Alami Dan Ampuh

5 Obat Herbal Radang Tenggorokan Alami Dan Ampuh

Apakah anda sedang mengalami faringitis atau radang tenggorokan? Biasanya radang tenggorokan terjadi karena infeksi virus seperti kasus flu pada umumnya. Sakit tenggorokan memang terlihat simple, tetapi radang tenggorokan ini bisa menyebabkan kesulitan bagi penderitanya.

 Misalnya tidak bisa menelan makanan dengan baik, karena itulah radang tenggorokan harus segera diobati dengan obat herbal radang tenggorokan. Bingung dengan obat herbal untuk radang tenggorokan yang bagus dan manjur? Cobalah obat herbal berikut ini:

1. Air Garam

Herbal adalah sesuatu yang alami sehingga air garam juga merupakan obat yang alami dan bisa anda dapatkan dengan mudah. Bumbu dapur yang satu ini memiliki sifat antiseptic sehingga bisa membunuh bakteri / virus penyebab radang tenggorokan. Anda bisa berkumur ataupun meminum air garam tersebut, jadi tidak sulit bukan untuk cara yang pertama ini?

2. Bawang Putih

Herbal obat batuk selanjutnya adalah Bawang putih yang merupakan bumbu dapur juga dan sangat mudah untuk ditemukan di rumah anda. Kunyah bawang putih yang masih mentah hingga halus, ambil air putih dengan suhu normal, lalu gunakan untuk berkumur, jangan lupa untuk makan madu untuk menghilangkan rasa tidak enak.

3. Lemon dan Madu

Herbal batuk berdahak yang juga manjur adalah lemon dan madu yang biasanya akan menjadi pilihan tepat karena rasanya cukup enak. Caranya dengan memeras 1 buah lemon segar, lalu campurkan dengan madu sesuai selera dan minum campuran tersebut hingga habis.

4. Sup Ayam

Herbal batuk selanjutnya adalah yang paling enak karena anda harus makan sup ayam, karena kuah hangat sup ayam ini mampu menyembuhkan radang tenggorokan anda. Tapi bagi anda yang biasanya makan sup ayam dengan sambal sebaiknya menghindarinya kali ini karena bisa menyebabkan peradangan tenggorokan yang lebih parah.

5. Wedang Jahe

Jahe merupakan rempah tradisional yang bisa menghangatkan tubuh, ia memiliki kandungan senyawa singiberin yang bisa melancarkan sirkulasi darah. Bukan hanya itu saja, ternyata jahe juga bisa menghilangkan racun dan mengatasi peradangan tenggorokan. Herbal radang tenggorokan jahe ini bisa anda buat dengan menyiapkan terlebih dahulu rempah jaer segar dan air panas satu gelas.

Tumbuk jahe tersebut, lalu seduh dengan air panas tadi, tambahkan madu alami dan minum wedang jahe tersebut agar tenggorokan anda hangat.

 Itulah beberapa jenis herbal radang tenggorokan yang bisa anda coba, jika anda membutuhkan berbagai info tentang obat herbal radang tenggorokan bisa mengunjungi www.halalmartindo.com, terima kasih.

4 Cara Menghilangkan Batu Ginjal Dengan Obat Herbal Batu Ginjal

4 Cara Menghilangkan Batu Ginjal Dengan Obat Herbal Batu Ginjal

Batu ginjal merupakan sebuah penyakit yang berbahaya, meskipun bisa menggunakan bantuan medis, tetapi proses pengeluaran batu  ginjal memang menyakitkan. Tidak heran jika banyak orang yang lebih memilih obat herbal untuk menghilangkan batu ginjal karena dirasa lebih efisien serta tidak menyakitkan.

 Bagi anda yang ingin menghilangkan batu ginjal menggunakan obat herbal batu ginjal bisa menggunakan beberapa cara yang akan kami tampilkan berikut. Cara yang kami berikan dijamin mampu mengobati batu ginjal lebih efektif, tanpa efek samping dan lebih murah tentunya:

1. Banyak Minum

Herbal untuk ginjal tidak selalu merupakan ramuan karena anda bisa menghilangkan batu ginal dengan minum air putih sebanyak 2,8 liter perhari. Untuk melihat apakah anda sudah banyak minum air putih setiap harinya, cobalah untuk melihat warna air seni anda, jika sudah berwarna jernih artinya anda sudah banyak minum.

2. Konsumsi Lemon

Lemon bisa membantu untuk memecah batu ginjal, anda hanya perlu mengkonsumsinya hingga 125 Ml jus lemon murni setiap harinya. Lemon yang mengandung asam sitrat mampu memecah batu berbasis kalsium dan membuatnya lebih mudah untuk dikeluarkan bersama urine.

3. Konsumsi Serat Makanan

Herbal batu ginjal lain adalah dengan mengkonsumsi serat makanan seperti sayuran segar dan biji-bijian yang bisa menjadi menu makanan sehari-hari untuk anda. Sebagian makanan kaya serta mengandung fitat yang bisa mengurangi kristalisasi garam kalsium serta mencegah batu ginjal. Tambahkan gandum, apel, berry, jagung, serta buah atau sayuran dalam makanan sehari-hari agar batu ginjal anda menghilang.

4. Hindari Soft Drink

Jangan kebanyakan minum minuman ringan karena bisa memperburuk baru ginjal anda karena soft drink biasanya mengandung asam fosfat yang bisa mempermudah pembentukan batu. Hindari kopi dan teh untuk menghindari batu ginjal yang semakin parah, jadi minum saja air putih.

 Itulah beberapa cara herbal batu ginjal yang bisa menyembuhkan penyakit batu ginjal yang sedang anda alami. Jangan lupa untuk melihat beberapa jenis obat herbal lain untuk berbagai penyakit yang ada di www.halalmartindo.com, terima kasih.

4 Tumbuhan Herbal Kanker Payudara Paling Manjur

4 Tumbuhan Herbal Kanker Payudara Paling Manjur

Kanker payudara merupakan salah satu penyakit yang berbahaya karena bisa merenggut nyawa seseorang. Sama seperti kanker pada umumnya, ternyata kanker payudara ini juga memiliki stadium dengan tingkatan penyakit yang berbeda-beda.

 Kanker payudara ini sebenarnya bisa disembuhkan dengan beberapa jenis tanaman herbal kanker payudara yang lebih alami dan tidak memiliki efek samping. Penasaran apa saja 4 tumbuhan herbal untuk kanker payudara yang paling manjur? Yuk simak ulasan nya berikut ini:

1. Buah Mengkudu

Selanjutnya

Buah Mengkudu merupakan salah satu buah dengan segudang manfaat, salah satunya adalah untuk membersihkan kanker payudara. Buah mengkudu ini mengandung dammacanthel yang merupakan zat anti kanker sehingga mampu melawan kelainan sel kanker yang memasuki stadium pra kanker. Cara menggunakan nya juga sangat mudah, anda hanya perlu memeras 2 / 3 buah mengkudu terlebih dahulu. Lalu campurkan dengan sedikit madu, jangan lupa untuk memilih buah mengkudu yang belum terlalu matang agar hasilnya lebih maksimal.

2. Daun Dewa

Tanaman herbal kanker payudara yang satu ini juga terkenal dengan kemampuan nya untuk memerangi sel kanker serta mudah untuk dibuat racikan nya. Anda hanya perlu menyediakan daun dewa segar, temulawak putih serta jombang yang direbus secara bersamaan dengan air 600cc. Sisa air rebusan tersebut anda minum setiap pagi untuk mendapatkan manfaat yang lebih baik dari daun dewa tersebut. Jika anda tidak terlalu suka pahit, tidak masalah untuk menambahkan sedikit madu agar anda bisa meminumnya.

3. Tapak Dara

Tanaman ini mengandung alkaloid vinka, vinkristin dan vinblastin yang bisa menghambat perkembangan sel kanker dalam tubuh. Untuk bisa mengkonsumsinya, anda hanya butuh 22 lembar daun tapak dara, kulit kayu pulasari dan buah adas. Kemudian rebus bahan-bahan tersebut dengan takaran 3 gelas air dan saring, konsumsilah selama 1 bulan agar tapak dara bisa mengobati sel kanker tersebut. Lakukan secara rutin setiap hari agar hasilnya lebih maksimal dan kanker tersebut menghilang.

4. Benalu

Meskipun dianggap sebagai hama, ternyata benalu mengandung saporin, alkaloid, flavoid, dan tannin yang bisa menghilangkan kanker. Caranya adalah dengan merebus 5 gram benalu, 3 gram daun teh, 5 gram timpang kunir putih, dan 600 gram air dan konsumsilah 3x sehari.

 Itulah 4 tumbuhan herbal kanker payudara yang bisa kami informasikan untuk anda, jangan lupa untuk membeli obat herbal kanker payudara secara resmi di www.halalmartindo.com agar kanker payudara bisa menghilang tanpa harus repot membuat ramuan dari tanaman herbal di atas.

5 Obat Herbal Sakit Gigi Yang Paling Ampuh

5 Obat Herbal Sakit Gigi Yang Paling Ampuh

Sakit gigi merupakan penyakit yang ditandai dengan berbagai gejala seperti nyeri ringan hingga nyeri berdenyut yang tidak tertahankan. Ada beberapa penyebab kenapa seseorang bisa sakit gigi, misalnya gigi berlubang, infeksi, akar gigi terekspos, gigi retak, gusi membengkak dan lain-lain.

Jika anda sering sakit gigi, anda wajib untuk pergi ke dokter serta mengkonsumsi beberapa obat herbal tradisional untuk obat sakit gigi. Obat herbal sakit gigi ini bisa meredakan rasa sakit yang anda derita, untuk informasi selengkapnya bisa melihatnya di bawah ini:

1. Merica dan Garam

Garam yang dicampur dengan merica ini bisa anda gunakan dengan cara mencampurkan merica dan garam dalam jumlah secukupnya saja dengan takaran tiap bahan sama. Lalu tambahkan beberapa tetes air sehingga campuran garam dan merica tersebut bisa membentuk pasta. Oleskan pasta tersebut pada gigi yang sakit, lakukan sambil duduk selama beberapa menit, dan kerjakan secara teratur setiap harinya. Jika anda rajin melakukan cara ini, maka sakit gigi anda bisa berangsur sembuh dan tidak kembali lagi.

2. Bawang Putih

Bawang putih memiliki sifat antibiotic yang bisa meredakan sakit gigi dan sangat efektif untuk memperlambat efek bakteri. Anda hanya perlu mencampurkan suing bawang putih dengan garam meja / garam hitam lalu menerapkan nya pada gigi yang sakit, jika memang anda suka bisa mengunyahnya langsung.

3. Cengkeh

Tidak ada obat herbal sakit gigi yang lebih bagus dibanding cengkeh, karena cengkeh memiliki sifat inflamasi, antibakteri, antioksidan dan sifat anestesi. Cengkeh bisa mengurangi rasa sakit pada gigi serta melawan infeksi yang terjadi dengan beberapa teknik pengolahan. Anda hanya perlu mencampurkan 2 siung cengkeh dengan minyak zaitun atau minyak sayur dan mengoleskan nya pada gigi yang sakit menggunakan bola kapas. Anda juga bisa mencampurkan beberapa tetes minyak cengkah dalam setengah gelas air, lalu menggunakan nya sebagai obat kumur.

4. Bawang Merah

Bawang merah memiliki sifat antiseptic dan antimikroba yang bisa meredakan sakit gigi dengan cara membunuh kuman penyebab infeksi. Anda bisa mengunyahnya secara mentah atau menempatkan sepotong bawah merah pada gigi tanpa mengunyahnya.

5. Air Garam Hangat

Campurkan setengah sendok garam dengan segelas air hangat, lalu gunakan untuk membilas mulut anda secara menyeluruh. Air garam tersebut bisa anda gunakan untuk berkumur dan sakit gigi anda akan berangsur sembuh.

Itulah beberapa obat herbal sakit gigi yang perlu anda ketahui, jangan lupa untuk cek berbagai obat lain nya di www.halalmartindo,com karena kami memiliki banyak info tentang obat herbal. Jangan lupa untuk menggunakan obat herbal karena tidak menimbulkan efek samping, terima kasih.

Manfaat dan Khasiat Obat Herbal Penurun Berat Badan Jahe

Manfaat dan Khasiat Obat Herbal Penurun Berat Badan Jahe

Jahe merupakan salah satu tanaman herbal yang sangat berguna untuk menurunkan berat badan karena beberapa manfaat penting yang terkandung di dalamnya. Bagi anda yang ingin menurunkan berat badan tidak ada salahnya untuk mencoba manfaat dari obat herbal penurun berat badan jahe.

Jahe memang memiliki sifat ternal / panas yang mampu meningkatkan fungsi metabolisme dalam ubuh sehingga membantu dalam pembakaran lemak lebih optimal. Karena itulah jahe dikenal sebagai obat herbal yang memiliki manfaat menurunkan berat badan, untuk mengetahui informasi tentang manfaat jahe bisa melihatnya di bawah ini:

1. Menurunkan Berat Badan

Jahe memang sangat cocok untuk diet, karena itulah jahe ini bisa mengurangi berat badan karena meningkatkan metabolisme dalam tubuh. Orang yang minum wedang jahe biasanya akan merasa hangat dan metabolisme menjadi lancar, karena itulah pembakaran lemak dalam tubuh juga menjadi meningkat.

2. Mengecilkan Perut

Selain menurunkan berat badan, ternyata jahe juga mampu mengecilkan perut sehingga ukuran perut yang mulanya besar dan buncit bisa berkurang. Anda hanya perlu minum wedang jahe setiap hari ketika melakukan diet, kandungan jahe mampu meningkatkan efek thermal sehingga lemak dan kalori dalam tubuh bisa berkurang.

3. Mengontrol Nafsu Makan

Ternyata jahe selain bisa menurunkan berat badan juga bisa mengontrol nafsu makan sehingga anda tidak akan makan terlalu banyak lagi. Biasanya seseorang yang nafsu makan nya meningkat akan makan lebih banyak di sepanjang hari sehingga menyebabkan kegemukan.

Dengan mengkonsumsi wedang jahe, anda akan merasa kenyang lebih lama sehingga tidak mudah ingin makan. Hal ini akan sangat membantu dalam program diet, karena itulah jika anda ingin diet anda berhasil, maka konsumsilah wedang jahe agar anda bisa mengontrol nafsu makan.

Selain mengenyangkan dan mengontrol nafsu makan, ternyata herbal penurun berat badan jahe ini bisa meningkatkan fungsi pencernaan. Sehingga pencernaan lebih baik dan sehat, pada akhirnya tubuh akan mencerna vitamin dan mineral yang masuk dengan sangat baik.

Itulah beberapa manfaat herbal penurun berat badan jahe sehingga anda yang ingin berat badan turun, menurunkan nafsu makan hingga mengecilkan perut bisa menggunakan wedang jahe. Jangan lupa juga untuk mengunjungi www.halalmartindo.com untuk melihat berbagai obat herbal untuk diet, terima kasih.

4 Tanaman Obat Herbal Untuk Asam Lambung yang Ampuh

4 Tanaman Obat Herbal Untuk Asam Lambung yang Ampuh

Asam lambung merupakan penyakit yang biasa dikenal dengan maag, penyakit ini terjadi karena kelebihan asam lambung yang menyebabkan beberapa gejala. Biasanya orang yang terkena asam lambung akan merasa mual, mulas, kembung, gas berlebih serta merasa tidak nyaman setelah makan. Jika anda mengalami gejala yang demikian, sebaiknya anda memeriksakan nya ke dokter atau mencegahnya dengan beberapa cara yang akan kami bagikan. Ada 4 tanaman obat herbal yang mampu menurunkan asam lambung, Yuk cek saja herbal untuk asam lambung berikut ini:

1. Mentimun

Mentimun adalah buah yang kaya akan manfaat, salah satunya adalah sebagai obat herbal asam lambung yang manjur. Cara penggunaan nya juga sangat mudah, anda hanya perlu memilih mentimun yang masih segar, lalu iris memanjang dengan tebal 1 cm dan makan 2 potong mentimun setiap 2 jam.

2. Kunyit

Kunyit ternyata dapat menyembuhkan asam lambung dan sudah sejak tahun 1953 kunyit juga telah dipercaya dapat menyembuhkan luka. Cara penggunaannya sangat mudah, anda hanya perlu menyiapkan 2 kunyit seukuran jari, lalu bersihkan kunyit tersebut, dan parut hingga halus. Tambahkan air matang dan peras menggunakan kain bersih, lalu hasilnya tadi diamkan dan ambil air nya, minum sebanyak 2x sehari, yaitu pada pagi sebelum makan dan malam sebelum tidur. Konsumsilah obat herbal untuk asam lambung ini secara teratur agar hasilnya maksimal.

3. Kacang Hijau

Kacang hijau ternyata juga bisa mengobati sakit maag karena mampu menebalkan lapisan lambung sehingga asam lambung tidak berkembang. Selain itu kacang hijau juga mampu menetralisir kadar asam lambung yang cukup berlebih sehingga tidak terjadi asam lambung. Cara menggunakan nya sangat mudah, anda hanya perlu mengkonsumsi bubur kacang hijau tersebut tanpa tambahan santan. Lalu usahakan jangan terlalu lama saat memasaknya, dan makan bubur tersebut secara rutin setiap pagi dan sore agar hasilnya maksimal.

4. Kencur

Kencur juga mampu menghilangkan penyakit asam lambung, caranya dengan mengambil kurang lebih 1 jari rimpangnya. Lalu cuci bersih dan kupas kulitnya, kunyah kencur tersebut dengan tambahan garam seperlunya, setelah itu minum air hangat. Lakukan sebanyak 3x sehari secara rutin agar asam lambung anda bisa sembuh secara total.

 Itulah beberapa obat herbal untuk asam lambung yang perlu anda ketahui agar anda tidak perlu pergi ke dokter setiap asam lambung menyerang. Semoga informasi dari www.halalmartindo.com ini bisa membantu anda, terima kasih.

5 Obat Herbal Asma Ini Dapat Ditemukan Di Sekitar Anda

5 Obat Herbal Asma Ini Dapat Ditemukan Di Sekitar Anda

Asma bronchial merupakan sebutan untuk penyakit asma atau pembengkakan dinding saluran pernafasan akut yang biasanya menyebabkan sesak, nada mengi hingga batuk. Pasien yang memiliki penyakit asma biasanya akan diberi pil serta inhaler oleh dokter yang bisa meredakan asma ketika menyerang.
Selain obat dari dokter, ternyata asma juga bisa diredakan dengan beragam bahan alami yang bisa ditemukan di sekitar anda. Menggunakan bahan alami lebih aman sebagai obat herbal asma karena tidak memiliki efek samping, Yuk langsung saja cek beberapa obat herbal asma berikut ini:

1. Bawang Putih

Bawang putih memiliki anti-inflamasi yang bisa menolong atau memperingan tanda-tanda asma bronchial yang biasanya menyebabkan sesak. Bawang putih yang mengandung allicin bisa membuat asma menjadi lebih ringan sehingga anda tidak mudah untuk terserang asma.

2. Jahe

Jahe memang sudah lama dipakai sebagai penyembuhan tradisional unyuk masalah pernafasan termasuk asma. Jahe diakui bisa mengurangi peradangan sehingga saluran pernafasan bisa lebih lancar dan penyakit asma tidak menyerang kembali.

3. Kunyit

Siapa sangka ternyata kunyit juga bisa meredakan asma, bagi anda yang ingin terhindar dari asma tidak ada salahnya untuk mengkonsumsi kunyit. Konsumsi secara rutin akan membuat penyakit asma menghilang, karena itulah konsumsi secara rutin agar hasil lebih maksimal.

4. Madu

Madu sangat baik untuk mengencerkan lendir yang biasa menghambat saluran pernafasan, karena itulah anda yang memiliki penyakit asma bisa menggunakan madu untuk menghindarinya. Caranya sangat mudah, anda hanya perlu mencampurkan madu sebanyak 2-3 sdm dengan air hangat dan meminumnya.

5. Bunga Kenanga Kering

Bunga kenanga juga dipercaya mampu mengobati penyakit asma, anda tidak perlu makan bunga nya, yang anda lakukan adalah minum ramuan dari bunga kenanga kering. Siapkan 3 kuntum bunga kenanga kering, lalu rebus dengan 200 cc air hingga mendidih, tutup dengan rapat hingga air agak dingin, lalu minum air tersebut.
Itulah 5 obat herbal asma yang bisa dengan mudah anda temukan karena berada di sekitar anda, jangan lupa untuk melihat berbagai jenis obat herbal lain di www.halalmartindo.com. Temukan solusi untuk berbagai penyakit yang anda derita, terima kasih.

4 Tumbuhan Herbal Kanker Payudara Paling Manjur

4 Tumbuhan Herbal Kanker Payudara Paling Manjur

Kanker payudara merupakan salah satu penyakit yang berbahaya karena bisa merenggut nyawa seseorang. Sama seperti kanker pada umumnya, ternyata kanker payudara ini juga memiliki stadium dengan tingkatan penyakit yang berbeda-beda. Kanker payudara ini sebenarnya bisa disembuhkan dengan beberapa jenis tanaman herbal kanker payudara yang lebih alami dan tidak memiliki efek samping. Penasaran apa saja 4 tumbuhan herbal untuk kanker payudara yang paling manjur? Yuk simak ulasan nya berikut ini:

1. Buah Mengkudu

Buah Mengkudu merupakan salah satu buah dengan segudang manfaat, salah satunya adalah untuk membersihkan kanker payudara. Buah mengkudu ini mengandung dammacanthel yang merupakan zat anti kanker sehingga mampu melawan kelainan sel kanker yang memasuki stadium pra kanker. Cara menggunakan nya juga sangat mudah, anda hanya perlu memeras 2 / 3 buah mengkudu terlebih dahulu. Lalu campurkan dengan sedikit madu, jangan lupa untuk memilih buah mengkudu yang belum terlalu matang agar hasilnya lebih maksimal.

2. Daun Dewa

Tanaman herbal kanker payudara yang satu ini juga terkenal dengan kemampuan nya untuk memerangi sel kanker serta mudah untuk dibuat racikan nya. Anda hanya perlu menyediakan daun dewa segar, temulawak putih serta jombang yang direbus secara bersamaan dengan air 600cc. Sisa air rebusan tersebut anda minum setiap pagi untuk mendapatkan manfaat yang lebih baik dari daun dewa tersebut. Jika anda tidak terlalu suka pahit, tidak masalah untuk menambahkan sedikit madu agar anda bisa meminumnya.

3. Tapak Dara

Tanaman ini mengandung alkaloid vinka, vinkristin dan vinblastin yang bisa menghambat perkembangan sel kanker dalam tubuh. Untuk bisa mengkonsumsinya, anda hanya butuh 22 lembar daun tapak dara, kulit kayu pulasari dan buah adas. Kemudian rebus bahan-bahan tersebut dengan takaran 3 gelas air dan saring, konsumsilah selama 1 bulan agar tapak dara bisa mengobati sel kanker tersebut. Lakukan secara rutin setiap hari agar hasilnya lebih maksimal dan kanker tersebut menghilang.

4. Benalu

Meskipun dianggap sebagai hama, ternyata benalu mengandung saporin, alkaloid, flavoid, dan tannin yang bisa menghilangkan kanker. Caranya adalah dengan merebus 5 gram benalu, 3 gram daun teh, 5 gram timpang kunir putih, dan 600 gram air dan konsumsilah 3x sehari. Itulah 4 tumbuhan herbal kanker payudara yang bisa kami informasikan untuk anda, jangan lupa untuk membeli obat herbal kanker payudara secara resmi di www.halalmartindo.com agar kanker payudara bisa menghilang tanpa harus repot membuat ramuan dari tanaman herbal di atas.

5 These Asthma Herbal Medicines Can Be Found Around You

5 These Asthma Herbal Medicines Can Be Found Around You

Bronchial asthma is a term for asthma or acute respiratory tract swelling that usually causes tightness, wheezing tones to a cough. Patients who have asthma will usually be given pills and inhalers by a doctor who can relieve asthma when attacked.

In addition to drugs from doctors, asthma can also be relieved with a variety of natural ingredients that can be found around you. Using natural ingredients is safer as an asthma herbal remedy because it has no side effects, let's just check some of the following asthma medicines:

1. Garlic
Garlic has anti-inflammatory properties that can help or relieve signs of bronchial asthma that usually cause shortness of breath. Garlic that contains allicin can make asthma becomes lighter so you are not easy to get asthma.

2. Ginger
Ginger has long been used as a traditional healing for respiratory problems including asthma. Ginger is recognized to reduce inflammation so that the respiratory tract can be more smoothly and asthma does not re-attack.

3. Turmeric
Who would have thought turmeric also can relieve asthma, for those of you who want to avoid asthma does not hurt to consume turmeric. Consumption on a regular basis will make asthma disappear because that's the consumption routinely for maximum results.

4. Honey
Honey is very good for thinning mucus that normally inhibits the respiratory tract, which is why you who have asthma can use honey to avoid it. The trick is very easy, you just need to mix honey as much as 2-3 tbsp with warm water and drink it.

5. Flower ylang dry
Flower ylang is also believed to cure asthma, you do not need to eat its flowers, you do is drink the herb from dried ylang flowers. Prepare 3 dried kenanga dried flowers, then boiled with 200 ccs of water to boil, seal tightly until the water is rather cold, then drink the water.

That's 5 asthma herbal remedies that you can easily find because they are around you, do not forget to see various other herbal remedies in www.resepherbal.xyz . Find solutions for the various diseases you suffer, thanks.

Compared to Insurance, People More Like Smoking

Indonesian society is currently considered easier to spend money to buy cigarettes than insured. In fact, smoking could interfere with his health in the future.

Bureau of Insurance Bapepam-LK Isa Rachmatarwata explains that people today only think short term, not long term. "You try to calculate your expenses to smoke every day, multiply by a year, so the cost will be higher than the insurance premium at the same time," Isa said.

In fact, said Isa, if not smoking, then the community can also save expenses. Especially if the money allocated to buy these cigarettes can be transferred to insurance products. Not only beneficial for him, but also will lighten the burden of the family around him.

Indeed for insurance this is a life choice, especially the option to create a safer future and without worrying if there is an unwanted risk. "This is an element of choice, whether to throw money just for temporary satisfaction or the satisfaction and comfort of living to old age is just a matter of life choice," he explained.

Profit Work As A Sharia Insurance Marketer

A Shariah Insurance Marketer, he works in order to mengsyiarkan sharia Islam, his job is lawful and bring blessing and invite people to charity shaleh within the scope of Takaful insurance.

More than that, sharia marketing is not just "work", but he also preaches to the guidance of Allah SWT.

What are the Advantages of Working as a Shariah Marketer when viewed further from the Shariah point of view itself;

1.Purment as a Sharia Insurance Marketer More Noble Than Khumrin Na'am
What is khumrin na'am?
Khumurin naam is a red furred camel which is the symbol of the best possessed by the Arabs at the time of the Prophet SAW.
In the hadith illustrated that inviting others to do good "accord" with the guidance of Allah SWT, will get a "reply" better than "khumrin na'am."
In the insured context, inviting others to be insured by sharia in accordance with the guidance of Islam, is included in "invite others to do good in accordance with the guidance of Allah SWT.
Rasulullah SAW said, "By Allah, if Allah guides one person through you it is better for you than the red camel. (Narrated by Bukhari)
The interpretation of khumrin na'am's meaning according to the hadith scholars:
That is a red (fur / skinned) camel. He is the most precious treasure for the Arabs

2.The Continuous Flow Flows
God will give an unbroken reward to the person who "prospers" others for good, as long as the person practices what we teach.
The concept of goodness in Islam is that every good deed will be rewarded with kindness as well. And prospecting others to be insured by sharia, is a form of inviting others to do good.
In a hadith narrated by Imam Muslim in Sahih Rasulullah SAW said:
"From Abu Hurairah ra, the Messenger of Allah (saws) said: " Whoever asks for a good, he will get the reward as the reward that follows it without reducing the reward of the person in the least. And whoso invites evil, he will get sin as the sins of the people follow him without reducing the sins of the person at all. " (Muslim).

3. "Fadhilah" Silaturahim
Among the consequences of marketing is "must" to do prospects from one person to another, and from one place to another.
The more people prospected and the more places visited, the more "benefits" it receives. So a sharia marketing is someone who most prospects and God willing the most are also clossingnya.
One of the benefits of silaturahim is "field rizkinya" and "long life".
In a hadith Rasulullah SAW said:
From Anas bin Malik ra said that Rasulullah SAW said, "Whoever wants his rizkinya denied and perpetuated his good name, then he should" connect "the ropes of friendship. (Narrated by Bukhari).

4. Bringing Blessings
When there is a transaction (read) clossing against one object, then Allah SWT will give blessing on "clossing process", as long as done by "compliance" with sharia.
Compliance in question must meet at least two criteria;
1.Kejujuran
2.Kejelasan (not gharar)

So that "ujrah" from "clossing" is obtained by marketing, not only worth kosher, but more than that, ujrah is also BERKAH.
In a hadith, Rasulullah SAW said:
From Hakim bin Hizam ra, from Prophet Muhammad SAW that he said, "Two sellers and buyers may do khiyar as long as the two have not separated. If both are true (honest) and explain the state of the goods (traded), then both will be given blessing in jaul belinya. And if both hide and lie, it will be abolished pemelahan sale. (Narrated by Bukhari Muslim)

So for colleagues who have not memarketingkan (mensyarkan) Takaful insurance is now time to start, make the insurance as a part of Islamic economic revival in particular, and Islamic Awakening itself widely.

The Myths About Life Insurance

Having the current insurance is already a necessity. There are some myths about life insurance that you should know to be wiser before deciding to buy.

1. Young people do not need life insurance
No one knows how old we will stop. Although still young, we can not be sure whether there is no loss that occurred when died. It may be that when young or single we leave credit card debt or at least hospital treatment money when we are seriously ill before we die.

For those who have a mediocre family, life insurance can also help the family of the abandoned. Then, when you pick up and buy life insurance when you're young, this will allow you to earn the premium at the lowest cost.

2. The price of life insurance is too expensive
Life insurance premium costs vary depending on your ability. There are various options that you can buy. Age and reliability factor will determine how much premium you pay. In addition, you can choose the system per year or system per month and the value is flexible, you can add in accordance with your income capabilities.

3. Life insurance policies are all the same
This is what you need to observe that life insurance products can vary and have their own advantages. Therefore, when you will buy a life insurance product, not only the price seen, but also the terms of the life insurance.

4. Housewives do not need insurance
The fact is not like that. When your husband dies then with life insurance, your needs can still be fulfilled even though your partner is no longer available to meet your needs regarding clothing, food, home, and so forth.

5. Buy life insurance is complicated
Now it's not like that anymore because the insurance agents will come to you and explain the details to you. If you are still confused and have questions, no need to hesitate to ask. Therefore, you do not have to bother. In addition, you can access the official website of the insurer you will use.

Facts About Life Insurance

Here are some facts about the importance of protection against you and your family.

• Every 1,000 Indonesians, 8 of them are affected by stroke. Stroke is the leading cause of death at all ages, with a proportion of 15.4 percent. Every 7 people who died in Indonesia, 1 of them due to stroke. ( Ministry of Health of the Republic of Indonesia, 2011 ).

• Death from non-communicable diseases increased to 59.5 percent in 2007, from 41.7 percent in 1995. ( Health Minister Endang Rahayu Sedyaningsih, 2011 ).

• 10 causes of death in Indonesia according to World Health Organization (2002) survey are coronary heart disease, tuberculosis, vascular disorders, respiratory diseases, newborn disease, lung disease, traffic accidents, diabetes mellitus, high blood pressure, diarrhea.

• Healthcare costs in Indonesia have increased by 10 to 14 percent in the last three years (T owers Watson 2011 Global Medical Trends ).

• The average family income set aside to save only 18 percent, while for insurance only 10 percent. In fact, the cost of treatment each year continues to increase. ( AIA Financial protection gap survey in collaboration with MarkPlus Insight, 2011 ).

• The gap of death protection in Indonesia increased by an average of 11 percent per year ( Swiss Re Mortality Protection Gap: Asia-Pacific 2011 ).

• The number of insurance policyholders in Indonesia to date reaches 63 million. Consisting of 10 million individual policy holders and 53 million joint policyholders. (Association of Indonesian Life Insurance (AAJI) 2012).

Know the Types of Traditional Life Insurance

Know the types of insurance . in Indonesia, this type of insurance is divided into two major types, traditional insurance and non- traditional insurance . Traditional insurance is divided into three types. Termlife insurance , whole life , and endowment .

Termlife insurance (futures)
Term insurance only provides protection within a certain period of time only. The protection could be as short as a plane ride from Jakarta to Semarang for less than two hours or for 20 years. Characteristically, there is a time limit of insurance protection. In addition, if there is no risk, insurance money is not refunded or burned.

This type of insurance has the cheapest premium among other insurance. Insurance money can be large, reaching billions with a premium that is not too drain the contents of the bag. Term life insurance does not have a cash value. If at the end of the insurance contract the insured is still healthy walafiat, the contract expires and no money given to the insured.

Many people do not like this product because no money is returned when the contract expires and the customer is healthy. Strange indeed, there are people who are not grateful for being blessed with health and long life. Actually this type of term life insurance can be analogous to hiring a security guard for one night to keep the house with plentiful possessions. If there was no turning on that night, would we be able to withdraw the guard's salary the following morning? Should not we be grateful because our house is safe?

Because of the large sum assured, to buy this type of insurance premium is not too easy. Most insurance companies that sell this type of insurance require customers to undergo a medical examination first before buying a policy with a say of Rp 2 billion.

If not pass the examination, customers are not allowed to buy this type of insurance. Or maybe the sum insured is lowered to smaller.

Whole life insurance
This insurance contains savings value. The protection period was longer, up to 99 years. This insurance is referred to as a refinement of term life insurance that has no cash value. You certainly remember that if there is no risk of death, in the end of futures contract the customer does not get anything?

Well, to satisfy customers who complain about term insurance, on whole life insurance , when the contract expires and the insured is still healthy walafiat, there is a cash value given. The risk is that the premium paid is more expensive because the risk of claims is certain. Rarely have a healthy person until the age of 99 years right? In Indonesia, the life expectancy of men is 65 years and women are 70 years old.

The cash value of the whole life policy can be used as loan collateral and there is a dividend bonus from the company for the whole life policy holder . In addition, if you can not pay the premium, the policyholder can collect funds from this cash value. This feature is not available on term life insurance.

The next question, how much money will I get when the insurance period ends? Usually insurance agents provide illustrations at the age of a few tens of years will be out of fund of a few hundred million. Again, do not be dazzled by the illustrations that show millions of figures. That number looks great at the moment, while inflation continues to erode the value of money and in time, a few decades from now, the amount of funding is not really that big.

The reason, the fund was only developed with a yield of only 4 percent per year. Much lower than the interest rate on the market. Yields of that size are still not deducted by fees and taxes.

On the other hand, real inflation rate reached 12 percent. So the whole life insurance cash value will be eroded inflation and the value is not as big as when illustration is presented to the prospective customer. Could be, when the policy matures, this cash value becomes very small.

The premium cost to be paid for coverage of Rp 1 billion for example, will be much greater when compared with the premium cost to be paid if you buy term insurance. How the difference, can be seen in the article on the calculation of insurance premiums.

Endowment insurance (dual purpose)

This type is like term insurance as well as savings.

This product is very popular before the product unit link appears. The forms of endowment insurance vary. In addition to having a cash value, there are also funds issued in futures before the insurance contract expires. These funds come out periodically for example once every 3 or 5 years. For example, such as educational insurance funds when the child is 5 years old for the kindergarten entrance fee, 7 years for the entrance fee of elementary school and so on.

Unfortunately, this endowment insurance premium is much more expensive than the term insurance premium and whole life .

Later, this type of endowment insurance property faded along with the emergence of unitlink products . In addition, because royal give a bonus, endowment insurance costs actually incriminating the insurance company.

Where Should I Store an Insurance Policy?

Insurance is a protection for the people we love. If the insured in the insurance policy suffered an accident or died, then heirs get the benefits that have been arranged in the insurance policy. To withdraw the benefits, one of the requirements requested by the insurance company is to include the original insurance policy as well as other complementary documents. Without the original policy, it is really difficult for the heirs to get the benefits.

The problem is, sometimes the heirs, like wives and children, do not know if their father has a very useful insurance policy. The father or the main breadwinner sometimes forgets to tell that he has been covered by insurance.

Openness becomes the key. "My husband and I have 11 insurance policies My husband knows about my policy and I know about my husband's policy Since my children are small I tell the mother about this policy as well I show them where the policy is kept and to who he should relate if anything happens to me or my husband, "said Choliliah (38).

It is clear that the insurance policy is an important document. However, should the insurance policy be put in a safe deposit box in the bank like any other letter? Apparently not. Famous financial planner Aidil Akbar Madjid once said, do not ever keep a policy in the SDB. The reason, when the heirs want to open the SDB must go through a long procedure.

"We recommend that insurance policies be united and collected in one easy-to-reach place," Akbar said. He tells his polis in a bag in his office. If anything happens, the bag containing the important documents is a priority that must be saved.

Notify family or heirs, where insurance policies and contacts should be contacted.

How Much Does Life Insurance Have

Why not buy life insurance, waste money alone who received the results are not we ?, Well that first comment out when someone brothers offer me to buy life insurance.

In the past, when I worked with a well-established and good position in a big company, it did not hurt my desire to think about putting aside some money to buy insurance. Because then all the facilities I get from companies, official houses, private vehicles, private drivers and health facilities of course.

But everything changed in "seconds" when I was last seen no longer as an employee of the company.
When I stepped out of my former office page, all I had was two sheets of paper. The "first" is a working reference certificate and the "second" is a company's thank you for our service that has served so many years in the company then the company gave an introduction so that I can disburse jamsostek on my behalf.

Huh, with a long sigh, "I'm new" .... I repeat "I am new" realized then that in my old age I will only have this jamsostek letter and the remaining little money in my account savings .. ..

Yes, God how can I enjoy my old age .... will depend on my children someday, while our child may not be able to independently financially ....

What do you think ?

Tips on Choosing an Insurance Agent

Here I will share how to choose Life Insurance Agent, because choosing a good insurance agent is very important. A good insurance agent will help you get the right insurance solution and make your insurance experience fun. Remember that your relationship with your insurance company is long-term, even beyond your lifetime. An insurance agent is an intermediary who represents you in the presence of an insurance company and represents the insurance company in your presence.

Here are three tips for choosing a good life insurance agent:

1. Choose an agent with integrity
The integrity of an insurance agent is more important than anything else. Many features in insurance policies are quite complex and not all of them are equally important. Some agencies recommend certain products for no other reason than wanting to earn higher commissions. Not a few insurance agents are "hit and run", only good when selling but not so concerned with after-sales service.

Find someone who will act as your partner, provide additional information, propose alternatives, and not force you to buy products. If you get too much pressure to quickly buy, switch to someone else.

One of the best ways to get a good agent is to ask for referrals from friends, family members, colleagues or other professionals you've worked with (tax consultants, bankers, notaries, etc.). When the insurance agent comes to you, ask for references to the customers he has served. You can check the agent's track record from his clients.

2. Choose a professional agent
You need to make sure that the agent you choose has the expertise to meet your needs:

• Check the agent license . Life insurance agents must have a license from AAJI (Association of Indonesian Life Insurance) to be able to sell insurance products. Agents that sell unit-link insurance products must have additional special licenses. To obtain these licenses, an agent must pass a number of competency exams in his field. Unlicensed agents may convey inaccurate or misleading product information to their customers.
• Know the agent specialization . Some insurance agents specialize in traditional life insurance, while others may be more in the field of unit-link life insurance , group insurance or health insurance.
• Know the qualifications of the agent . Professional degrees such as Chartered Life Underwriter (CLU), Chartered Financial Consultant (CFF), Certified Financial Planner (CFP) and Life Underwriter Training Council Fellow (LUTCF) indicate that the agent has completed advanced training, passing a rigorous and serious exam with his professional development . An agent who is a member of the Million Dollar Round Table (MDRT) means to have entered the elite line of top agents. They must have had a long list of customers, long experience and following strict profession codes of ethics. 

3. Choose from multiple agents.
If necessary, see directly at least two insurance agents in order to make comparisons in terms of qualifications and the character of the agent and the suitability of the products offered. Nothing can replace direct contact in judging a person. A good agent will be diligent in listening and asking questions about your situation and helping to develop appropriate insurance solutions for your specific needs. If you are uncomfortable with your agent after face to face, or you are not sure he provides the service you want, look for another agent.

6 Basic Principles in Insurance

In insured, there are things that must be considered for the implementation of insurance becomes more smoothly.

What are they? Here are 6 things to note:

1. Protected by law
The right to insure between the insured (the recipient of the insurance) and the insurer (insurance company) is recognized by law.

2. Honesty of both parties
Honesty is an absolute thing in a covenant. This honesty is concerned with the implementation of insurance in the future. For the insured must provide a clear and honest information about the object to be insured. For example when taking health insurance, then given the data what are the illnesses suffered and what are the diseases that can be borne. Likewise with insurance losses. If providing complete data, then the insurance company will be more flexible in managing its customers. So when there is a claim, then the claim will be immediately liquid.

3. The obligation to pay a premium
As already said, no premium no insurance, then there is no insurance premium. Here the insured party must pay the premium. On the insurer will provide compensation fund, especially if the loss occurs to the insured.

4. Beware of losses
The insurer of course has given any loss for the insured to be borne. Insurance companies will also reveal clearly.

5. Claim
If there is a loss, then the insurance company will check whether the loss is in accordance with the initial agreement. If appropriate, the claim will be disbursed and paid accordingly. Here there is a transfer of rights between the insured to the insurer.

6. Contribution
The insurer has the right to invite other insurers to bear together. However, this obligation to compensate the insured does not have to be the same.

Insurance Education is one way of investing to prepare children's education

Insurance Education is one way of investing to prepare children's education fund later

The definition of insurance is to provide protection or protection functions. In insurance education is usually the parent is the owner of insurance. The parents, mom or dad will pay some money as a premium within a certain time. Usually the amount of premium and time will disepakai appropriate products offered by the insurance company.

Educational insurance is recommended to prepare a financial plan to prepare children's school funds for the medium to long term.

The concept of education insurance is actually not much different from the savings plan. Insurance owners will get funds to enter the school every time the child enters a new level of education, in elementary school, junior high school, high school up to university.

Another advantage of following the education insurance is that when the insurance owner (parents) dies, the education fund will still be given to the child who becomes the insured. Some products even offer life insurance benefits as well, if a parent dies, not only the cost of the child's education paid, but there is an additional claim fund for the abandoned child.

Many insurance products to make children's financial education plan easier. Prudential Insurance, Manulife Insurance, Commonwealth, Axa Mandiri, Sinar Mas is an insurance company offering this type of product. Which one is the best? The choice is in yourself. To choose the best insurance products need knowledge and more foresight

Prepare 3 Family Financial Solutions

You may often hear the story of a family losing the head of his family at a young age, leaving behind his wife and young children. The question that generally arises is, how their lives after the head of the family?

Financial planners, Freddy Pieloor, CFP says many families are experiencing a decline in the quality of life especially in economic terms, because the breadwinner is gone.

Not only that, there are also husband and father who leave his wife and children, to marry a younger and sexier woman. So, how the survival of his first wife and children? Many men can not afford and "let" wives and children from their first family in need.

There was another story about the head of the family after work, and on the way home, he had an accident. She suffered bodily injury, and required herself to be in a wheelchair forever. He no longer has the ability to earn a living for his family. How is the life of his wife and children who are small and costly?

Freddy explained, these three life scenarios provide the discourse and the possibility of life experience that must be experienced by some families of Indonesia. Therefore, before the economic hardship of the family strikes, it is best to prepare some of the following solutions:

1. The family has a pure life insurance, as a stock relic, when the head of the family or breadwinner dies.
2. Wives also have the ability to generate income, and can be used as a family financial reserve or as a pillar of the family's economy helps the husband.
3. Families have personal accident insurance and permanent disability, so that life's sustainability does not waver.

A household should have peace and sufficiency. For that, preparing is included in terms of financial importance is done so that families can face any life scenarios that could happen, anytime.

Why Husband Needs Life Insurance

hearing the sentence above seems like this real story needs to be read by the wives

Around the beginning of this year 2012, I occupy a new home in a fairly nice and comfortable housing cluster. Well, at that time happened to my neighbor there is a couple husband and 3 of his new heart will also occupy his new house, but a few weeks later it turns out the new house is not live but directly renovated by my beloved husband, When I met the father, that this house he bought for his beloved wife second home after the first house and all on behalf of the wife he said so he immediately major renovation at once to live in their old age.

The father is about 45 years old and the mother is also not far apart, about one month walk home renovation 2 floors finished and I met this Mr. back while chatting and wondering how many packs for this renovation? one hundred and fifty million Dik, answer the father.

Then after chatting about many things and including me ask this Bapak whether already have a life insurance policy pack? if you have not at least have to have a pack, at the end of this conversation asked for permission to go home because of complaining swollen gums pain and slightly make it a fever.

One week later I heard my neighbor's father was hospitalized and treated there, for several months and moved to another hospital but the pain in his neck and swollen gums did not heal as well. Until finally in the known disease of this father, was already in the verdict by a doctor suffering from stage 4 cancer in the neck and finally decided to transfer to Dharmais Cancer Hospital, lapse of one week running the Father had been on the call of the POWER.

Long story short after all the funeral is done 1 month later I stop by where the mother who look so still sad in living beloved husband that so Suddenly, this Mom told long story about the burden of her life now. In addition to sad in the stay of the father, he also inevitably, have to bear the burden itself all the needs of his children , which he complained again cash funds have been mostly used for home renovation, while the mortgage is still running because this house in the bank on behalf the mother is not you. The Mother looks very confused what to do, until the end of the conversation the mother asked for help to sell her new home if someone is interested.

From this story I personally take the important lesson, that financial planning is very necessary to live this life. And life insurance is also one tool to protect our assets. If we pull back this story at that time the father when offered take life insurance with sufficient Sum Assured about the Mother Will confusion like now is not?

That is the function of life insurance, insurance is not useful when nothing happens but like a gold umbrella for the mother if we refer to the events above.

Congratulations to choose life insurance for beloved husband, tell this beloved husband to our children someday my husband

Purchase Life Insurance

Purchase life insurance
When starting to have children, the family should buy life insurance. This life insurance aims to protect the financial risks of the breadwinner in the family. In the hope that if something happens to the breadwinner that causes the source of income to stall, there is insurance that can replace the function.

Insurance money can be used to meet the life needs of the child to adulthood. Suggestion Lici, families should calculate the true projection needs of children to adulthood. The amount of sum assured money (UP) is expected will affect how much the premium should be allocated. Therefore, these small premiums will certainly erode the family's monthly income.

If the condition of husband and wife work, whether each need to buy life insurance? Financial planners from Fahima Advisory Fauziah Arsiyanti say, depends on the function of each salary. When the salary of husband and wife become the main source of fulfillment of family needs, each must buy life insurance. Conversely, if one salary does not sustain significant family income, the payroll owner does not need to buy life insurance.

Pandji added, even could have, both husband and wife, did not buy life insurance. With note, "During the turn of the economy wheel, there is a passive income from ownership of assets that amount far greater than the monthly salary," explained Pandji.

In addition to life insurance, other insurance that must be added is a health insurance for the baby. The average insurance company requires a minimum age of health insurance membership is 30 days. Preferably, from that age the child is purchased health insurance. Advice financial planners, families can buy health insurance collection. That way, the premiums paid can be more mini.

Educational investment
Not just the needs of food clothing or children who siphon large funds, but also education. Financial planners suggest, since the child is present in your life, should be immediately drawn up funds for education. Lici said, education investment can be divided based on education level, for example the level of play group, kindergarten, elementary, junior high, high school, and college.

Selection of investment basket can be adjusted with the education level. The farther the level of education that will dituju course of investment basket options can be more aggressive in hopes of getting greater returns. Choice of investment products, such as short-term precious metals, medium-term mixed mutual funds, and stock mutual funds for long-term investments.

If young families have difficulties meeting all educational investment levels at once, families can make payments from the longest educational investment post. For example, from investing for education in college then sustainable to the nearest education level. "Because investment funds in the furthest education level is the smallest," said Pandji.

Tighten the belt
The addition of the three expenditure items that must be reserved will certainly swell the family expenditure. If your source of income remains, that means there must be a strategy to be done. With the aim, all the posts are met but the basic needs are undisturbed.

Pandji offers three solutions. First, reduce spending. For example, when you have no children, you and your partner have a hobby dinner at a restaurant or recreation, this habit can be reduced. Reload the expenditure, such as the use of postpaid phone or entertainment needs, such as pay-TV subscription.

Second, lower the consumption class. Put the word, you and your partner everywhere almost always drive a car, but have a motorcycle as well. Well, what's wrong with changing the habit with more frequent riding a motorcycle?

Third, eliminating the need. If the previous two methods do not work well also reduce expenditure, it seems you and your partner must be willing to eliminate some needs. For example, your original hobby of collecting something that drain money, now, it can be eliminated. This decision certainly requires sincerity. Like the saying, raft upstream, swim to the edge. Concerned first, prosper then.

How to Manage Young Family Finance

The baby is still the desire of majority married couples. The presence of the child, in fact, is considered a marker of the perfection of a household. Unfortunately, young families often forget that the presence of children means more financial responsibility to be prepared, from the fulfillment of primary needs to future educational needs.

If young families do not have financial awareness, it is not impossible precisely the needs of children become neglected. You certainly do not want this to happen to the baby is not it? Therefore, when the first child begins to attend a young family, they must view the balance sheet.

Financial planners from Taatadana Consulting Felicia Imansyah say, the beginning of marriage is an important period of development of the foundation of family finances for the future. Because, the longer the family needs will be more complex with the increase of children, age, and the necessities of life. "Therefore, young families should be frugal and careful since the beginning of the family," said the woman who is usually called Lici.

Financial planner from Fin-Ally Financial Planning and Consulting Pandji Harsanto corrects the bad habits that young families make when they get their first child, which is buying the need for the baby excessively. Call it, buy clothes and baby supplies to accumulate. In fact, the growth period is quite rapid at the age of under five years (toddlers) causing clothing will not be used in a long time.

Suggestion Banner, should the family buy baby needs just enough. "If you can loan stroller from brother for example, no need to be ashamed to wear it. Or, can rent just baby equipment, "said Pandji. The mistake made by the young family is common because it is so happy to get a baby.

Important posts
Instead of wasting money for temporary purposes, financial planners advise families to immediately equip outposts related to the child's interests. Well, here are some posts that should be immediately allocated:

Added emergency funds
Before widening the wings by purchasing protection or investing, families are required to have emergency funds. This emergency fund is intended for cash reserves if at any time the source of income is disrupted.

Financial planners say when young families have no children, emergency funds can be reserved three to six times the total monthly spending. So, such as monthly expenditure of Rp 7 million, the emergency fund must be collected Rp 21 million - Rp 42 million.

However, when the baby begins to supplement your family's life, the emergency fund must be injected into six to nine more times. Still with the same example, the monthly expenditure of Rp 7 million, then the emergency fund to be met is Rp 42 million - Rp 63 million.

Banners understand the fulfillment of an emergency fund of nine times will not be easy for all young families. His solution, at the beginning can be collected 30% of the nine times the emergency fund first. Or, if he continues his example over, the emergency fund must be met at the beginning of Rp 18.9 million.

Well, while walking, young families can meet the recommended portion. With a 30% capital of emergency funds already met, young families can step on the next post, which is buying life insurance.

Note Lici, the emergency fund should be liquid aka easy to disburse. Therefore, he suggested the funds placed in savings, deposits, precious metals, or money market mutual funds.

About Sharia Insurance and Fiqh Islam

The source of shari'ah is the Qur'an and As-Sunnah. The scholars then interpret the shariah that comes from the Qur'an and As-Sunnah is in a Fiqh. Fiqh in the sense of meaningful language to know and understand, and according to the term means a science that explains all the sharia law that comes from the Qur'an and As-Sunnah Prophet Muhammad SAW interpreted through in-depth research.

Fiqh is divided into two, namely fiqih about interpretation related to human relationship with Allah which is called fiqih ibadah, and Fiqih about interpretation relating to human relation with human, which is called fiqih muamalah.

In terms of the provisions concerning worship, everything has been arranged by Allah SWT and Prophet Muhammad SAW because basically all types of worship are not allowed unless there are orders and provisions against him. Example: Prayer required for Muslims to do it is 5 time in a day, that is at the time of Fajr, Dzhuhur, Ashar, Maghrib, and Isha '. Muslims can not add the obligatory prayer time to 6 or 7 times a day because the stipulations on the obligatory prayer times are arranged and determined according to the Qur'an and Sunnah, ie 5 times a day. Likewise with the provisions of zakat, fasting, pilgrimage, and other worship. Everything has been set and determined the type, manner, and time of implementation.

Whereas in terms of regulations or provisions on muamalah, everything its original law is allowed to do unless there has been a ban. Example: Allah Almighty allows people to trade but forbids people from doing Riba 'or lending money. Sharia insurance is included in the category relating to the provisions on muamalah.

Syarat Mutlak Jika Ingin Sembuh Dan Sehat Selalu

Syarat Mutlak Jika Ingin Sembuh Dan Sehat Selalu

Kita semua jika menginginkan sebuah kesembuhan dari suatu penyakit maka kita harus memenuhi rukun-rukun penyembuhan supaya mendapat hasil optimal dan khasiat sebuah husada penyembuhan baik melalui obat-obatan maupun dengan herba yang dikonsumsi.

Rukun Penyembuhan tersebut adalah:

• Keyakinan.
• Amalan yang berterusan (kontinyu).
• Munculnya krisis penyembuhan (Healing Crisis)
• Dosis yang mencukupi.

KEYAKINAN

Keyakinan ini adalah sangat penting kerana ia merupakan pintu penyembuhan yang perlu dibuka terlebih dahulu. Keyakinan ini akan membangkitkan tenaga atau semangat yang sangat penting untuk membantu mengembalikan sistem imunitas. 

Mengkonsumsi herba dalam keadaan yang tidak yakin akan membuahkan usaha yang sia-sia. Pertama kali, harus ditanamkan kepada pasien maupun perawat (terapis) bahwa setiap penyakit itu pasti ada obatnya dan obat herba yang diberikan kepadanya merupakan obat yang berkualitas.

AMALAN YANG KONTINYU

Artinya kita harus istiqomah dan sabar menantikan tubuh yang sedang menjalani proses penyembuhan melakukan perbaikan ke seluruh tubuh secara menyeluruh (total healing).

KRISIS PENYEMBUHAN

Krisis penyembuhan (healing crisis) adalah tanda-tanda yang menunjukkan herba sedang bekerja yang disebut juga dengan istilah Direction of Cure (DOC). Beberapa tanda DOC yang muncul karena pengkonsumsian herba antara lain:

1. Muncul penyakit baru. Seringkali kita menjumpai seseorang yang menggunakan herba mengalami healing crisis, dimana nampak semakin bertambah penyakit yang keluar, separti perempuan yang mengalami keputihan, jerawat, gatal-gatal dan lain-lain.
2. Berpindah penyakit dari bagian tertentu kepada bagian yang lain. Kita juga sering lihat perubahan beberapa penyakit separti orang yang menderita asma setelah mengkonsumi herba mengalami gatal-gatal di kulit.
3. Terasa sakit di bagian pinggang dan telapak kaki. Sistem saraf yang mempengaruhi keadaan ini dimana rasa sakit akan terasa seolah-olah berpindah turun ke bawah terutama di sekitar pinggang dan langsung ke telapak kaki. Telapak kaki dihubungkan ke wilayah refleksi untuk perawatan seluruh tubuh.
4. Penyakit lama muncul kembali.
5. Pengulangan simptom (gejala) penyakit yang pernah diderita dahulu.

DOSIS YANG MENCUKUPI

Penggunaan herba yang tepat haruslah disesuaikan dengan berat badan pasien. Dalam hal ini perbandingannya adalah 10 kg : 1 gr. Artinya setiap berat badan 10 kg memerlukan 1 gram herba yang harus dikonsumsi.

Apabila kita menyadari bahwa sumber penyakit datang dari makanan sehari-hari yang mengandung toksid (zat beracun), maka sudah seharusnya mengkonsumis herba menjadi hal yang harus dirutinkan dalam kehidupan sehari-hari. 

Penyakit timbul setelah sekian lama gangguan organ terjadi. Begitu juga obat memerlukan tempo atau waktu untuk menjalani proses pemulihan sel-sel yang telah rusak.