Rabu, 21 Juni 2017

Bahaya Merokok Bagi Kesehatan Tubuh Kita

 Inilah Bahaya Merokok Bagi Kesehatan Tubuh yang Wajib kamu Waspadai

Sebelum membaca tulisan ini lebih lanjut, Anda sebaiknya mengetahui bahwa zat kimia yang terkandung di dalam asap rokok tidak sebatas masuk ke dalam paru-paru saja, namun juga ikut terbawa ke dalam tubuh. Jadi tidaklah mengherankan bila bahaya merokok tidak hanya melibatkan kerusakan saluran pernapasan, namun juga dapat melibatkan organ tubuh lainnya. Sayangnya banyak zat kimia dalam rokok yang mempunyai efek seragam terhadap semua jaringan yaitu merusak, merusak dan merusak. Lalu apa saja bahaya merokok bagi kesehatan yang sering terjadi?
  • Darah Tinggi dan Penyakit Jantung
Banyak sekali kasus darah tinggi dan penyakit jantung yang diakibatkan oleh bahaya merokok. Asap rokok mengandung radikal bebas yang dapat merusak fungsi pembuluh darah pada tubuh, salah satunya adalah menimbulkan radang kronis, penyempitan pada pembuluh darah serta lebih banyaknya penimbunan lemak pada lubang pembuluh darah. Semua hal ini dapat menimbulkan meningkatnya tekanan darah hingga mencapai penyakit darah tinggi. Bila berlanjut dan banyak mengenai pembuluh darah yang menyalurkan nutrisi ke jantung, maka dapat timbul penyakit serangan jantung. Bahkan selain serangan jantung, bahaya merokok lainnya adalah menyebabkan gagal jantung serta kelainan irama jantung.
  • Penyakit Paru-Paru Obstruksi Kronis
Tahukah Anda bahwa ada satu macam penyakit paru yang hampir ekslusif menyerang perokok berat? Ya, penyakit paru obstruksi kronis adalah bahaya merokok yang ditimbulkan karena rokok yang dihisap oleh penderitanya. Kasus penyakit ini biasanya menimpa seseorang dengan kebiasaan merokok sejak muda yang berlanjut hingga menginjak usia 40-50 an. Penyakit ini mulai menimbulkan gejaa biasanya pada usia 50 tahun ke atas. Gejalanya ialah sesak nafas, batuk kronis dan produksi dahak terus-menerus. Penderita pun rentan terkena infeksi virus dan bakteri ke paru karena fungsi organ parunya yang sudah banyak berubah. Celakanya, penyakit ini tidak dapat disembuhkan.
  • Risiko Kanker Paru
Tahukah Anda bahwa penyakit kanker paru-paru banyak sekali yang memiliki asap rokok sebagai penyebab utamanya? Asap rokok yang dihirup ke saluran pernapasan akan juga menyentuh paru-paru. Celakanya, terdapat radikal bebas berbahaya di dalam asap rokok tersebut, sehingga paparan asap rokok ke paru-paru yang berlangsung lama dapat mengubah jaringan dan sel paru-paru secara permanen. Perubahan inilah yang akan menimbulkan kondisi kanker paru.. Bahaya merokok yang satu ini jelas sangat merugikan karena kanker paru-paru merupakan salah satu jenis kanker yang paling berbahaya dan mempunya potensi menyebar ke organ lain dengan cepat.
  • Risiko Stroke
Zat yang terkandung di dalam rokok, terutama radikal bebasnya dapat memicu kerusakan pada pembuluh darah. Salah satunya dapat menimbulkan kerusakan pada pembuluh darah otak. Hal ini yang menjadi alasan perokok dapat terserang stroke 50% lebih besar dibandingkan mereka yang tidak merokok. Apalagi, merokok juga dapat mempengaruhi kondisi tekanan darah tinggi serta kolesterol tinggi. Rokok pun dapat meningkatkan aneurisma otak, yaitu suatu kondisi dimana pembuluh darah otak menipis dan melebar. Aneurisma otak membuat pembuluh darah otak rentan pecah sehingga dapat menimbulkan perdarahan dan kematian.
  • Risiko Kanker Mulut, Lidah dan Tenggorokan
Asap rokok yang langsung mengiritasi mulut dan saluran napas lainnya dapat menimbulkan kanker pada daerah tersebut. Bahaya merokok yang satu ini tidak dapat diesepelekan, karena kebanyakan kanker lidah, mulut dan tenggorokan merupakan kanker yang yang sangat sering ditimbulkan karena rokok. Dan sudah rahasia umum bahwa kanker merupakan salah satu penyakit yang sulit disembuhkan.
  • Radang Tenggorokan Kronis
Banyak perokok yang mengeluhkan ia mengeluarkan dahak hampir setiap hari, entah dahak kental atau pun cair. Ya, bahaya merokok kali ini adalah asap rokok yang menyerang tenggorokan, yaitu menimbulkan radang kronis. Salah satu gejala radang yang timbul adalah keluarnya dahak meski tidak batuk. Gejala lain adalah nyeri tenggorokan yang berulang, penyakit pembesaran amandel yang berulang serta infeksi tenggorokan yang berulang. Hal ini lumrah karena rokok mempunyai efek merusak pertahanan saluran pernapasan.
  • Asam Lambung Naik
Bahaya merokok lainnya selain menyerang paru-paru adalah juga menyerang organ lambung, yaitu rokok dapat menyebabkan naiknya asam lambung ke kerongkongan hingga ke tenggorokan. Naiknya asam lambung merupakan salah satu penyakit yang cukup sering terjadi dan erat kaitannya dengan asap rokok. Gejalanya ialah kerongkongan terasa panas, kadang dada terasa sesak dan tercekik. Selain naiknya asam lambung, bahaya merokok lainnya adalah timbulnya luka atau perdarahan pada lambung.
  • Efek Buruk Pada Kehamilan
Merokok pada saat hamil, atau ibu hamil yang menghirup asap rokok saat hamil mempunyai risiko tinggi melahirkan anak yang kurang sehat sempurna. Bahaya merokok kali ini dapat menyerang kondisi kehamilan ibu serta janin di dalamnya. Merokok dapat menyebabkan kelahiran premature (sebelum waktunya), kematian bayi di dalam kandungan, bayi lahir dengan berat badan rendah, kematian mendadak pada bayi serta dapat menyebabkan kerusakan struktur tubuh yang permanen, seperti bibir sumbing.
  • Kencing Manis atau Diabetes
Meski bila dipandang sekilas mata penyakit kencing manis dengan merokok tidak memiliki hubungan, ternyata merokok aktif yang dilakukan secara rutin dapat menimbulkan penyakit kencing manis atau diabetes. Ya, perokok aktif memiliki risiko terkena diabetes sebanyak 30-40% lebih tinggi dibandingkan mereka yang tidak merokok. Selain itu, penderita kencing manis yang aktif merokok pun ternyata akan lebih sulit menurunkan dan mengatur kadar gula darah di kadar normal.
  • Gangguan Seksual
Ternyata, bahaya merokok tidak hanya didapatkan pada organ-organ vital di tubuh saja, namun juga dapat menyerang kehidupan seksual Anda. Hal ini terutama berlaku bagi kaum pria. Bahaya merokok pada pria adalah dapat menimbulkan impotensi yang sulit disembuhkan. Belum lagi asap rokok pun turut mempengaruhi sperma yang dihasilkan oleh pria, yaitu akan memiliki jumlah sel yang lebih sedikit, pergerakan yang kurang aktif dan bentuk yang tidak normal. Semua ini akan berdampak terjadinya infertilitas atau tidak suburnya seorang pria.
Selain penyakit-penyakit yang telah disebutkan di atas, masih banyak bahaya merokok bagi kesehatan tubuh yang belum disebutkan; seperti dapat merusak tulang dan gigi, menyebabkan radang pada sendi, memperparah kondisi asma, serta dapat pula menimbulkan keadaan penuaan dini. Dan selain kanker yang telah disebutkan di atas, asap rokok sebenarnya dapat menyebabkan kanker pada organ manapun karena adanya radikal bebas yang merusak sel serta jaringan di dalam tubuh bagian manapun. Bagaimana, apakah Anda masih mau mengorbankan sedikit uang saku Anda untuk membeli rokok yang memiliki segudang bahaya yang mematikan? Ambillah dan beranilah mengambil keputusan untuk berhenti merokok dan raih kembali masa depan yang sehat.
 Nah kamu tau kan penyebab rokok itu gimana ? berhenti lah merokok dan menabung . bakalan ngerasain baiknya gimana ..? misalnya, 20.000 sehari di dalam celengan itu lebih baik ketimbang ngerokok.

kebayangkan segini tuh berapa ? ayo pikirkan dan berhentilah merokok dari sekarang ..

Semoga artikel ini membuka wawasan serta menginspirasi kamu untuk menggapai kualitas kesehatan yang lebih baik.

Selasa, 20 Juni 2017

Cheapest Homeowner Loans


Siska with her husband finally able to realize their dreams: owning their own home.The process of owning a house is arguably very long, it takes a struggle to the point of death. Uh, die dong. Hehehe
 But really, buying a house requires a process that is not simple. Many stages must be lived until the coveted house certificate can get to the hand. "Until pengay dateng dateng wrote to the president, ask to be bought home, so stay make," Siska said with a laugh.
 Siska itself takes two months more than time to find a house coveted until the bank approve the financing through mortgages (KPR). Buying a home through a mortgage is often so an option because it is very lighten people who want to have a home but not enough savings.
"If you wait until enugh money, that there is a coveted house already disamber others, not to mention the price must go up," said Siska.
Because of the search for new housing that is easy to access or close to the location of work and her husband failed to continue, Siska finally buy a house that fits his needs. Without long wait, he's looking for information on how to apply mortgages for a used house. 
Thanks to the help of friends Siska husbands who have experience using mortgages for secondhand homes, Siska passing stage by stage purchase to completion. Here are the steps Siska passes through his experience:

1. Deal with the seller



A house valued at Rp 500 million offered by Siska hinga stuck at the number Rp 500 million fitting. Because later the bank will not finance the mortgage in accordance with the price of the house. So for example the house price of Rp 500 million, which is financed by KPR may only Rp 320 million.
Because the bank will conduct a valuation survey (appraisal) to estimate the price of the house, which often is always below the price set by the seller. In the case of Siska, an explanation of appraisal is in the third stage below.
"I went out of style in the market. Difference 500 silver also I will bargain, "said Siska.

2. Meet the bank



After price deal with the seller, Siska only given 2 weeks to look for mortgage at bank. Fortunately he succeeded in getting a mortgage match with his financial ability.
When applying for KPR, Siska brings the following documents:
  • Family card and ID card
  • NPWP
  • Marriage certificate
  • Last 3 months salary
  • Certificate of Employment
  • Last 3 months savings bank account
"Up at the bank, I forgot to bring home documents that I want to buy. Yes cook to ask to buy home but there is not a house file. Hahaha, "said Siska.
Actually, the missed documents can be sent by e-mail to the appointed bank officer. But Siska chose to go home first because the location of the bank close to where he lived.
House documents that should be brought Siska it must be requested from home sellers, namely:
  • Photocopy of certificate
  • Photocopy of building permit (IMB)
  • Photocopy of final UN payment receipt
  • Letter of home buying and selling agreement between seller and buyer signed on stamp duty.


3. Appraisal



This is the stage that makes Siska and her husband dag-dig-dug a second time. It was time for the appraisal of the house after they were deemed to be potential borrowers after checking their finacialondition and escaping the BI checking blacklist. 
As explained earlier, the bank will survey the house to determine the price of the house. This stage is not there if the house purchased a new status. Because the bank has worked with developers to determine the estimated price and mortgage ceiling for the home buyer 
In this process, Siska did not participate, enough bank officers and homeowners. Siska was only asked to pay appraisal fee of Rp 450 thousand.
Incidentally the bank that he chose to file the KPK set the provisions pay appraisal in advance, so that the cost would be burned if later KPR is not approved. Some other banks charge these fees after the mortgage application is approved.
After the appraisal has been completed, the bank informs Siska that the estimated price of his target house is only Rp 400 million! And the bank will only lend 80% x apraisal price alias 80% x Rp 400 million = Rp 320 million.
 That means Siska must provide Rp 180 million to be paid to the home seller. Plus prepare a mortgage fee that is usually 10% of the total loan from the bank.
 "Fortunately, my savings and my husband is quite thanks to the bonus last year. If you can not, you can cry over, "said Siska, who advised not to use credit without collateral (KTA) to pay DP KPR

4. Letter of credit agreement

Details of mortgage cost (notary, etc)
Abis dikasi letter agreement, read carefully until thoroughly let me not misunderstood KPR fit the road

After appraisal stage is complete, Siska just signed a credit agreement. But the bank will make a letter of credit agreement (SPK) first.
Previously he had got an illustration of mortgage payments from the bank he was heading, so that approximately already know the contents of the SPK. When looking at the SPK, what he noticed was:

(I) Big interest

He deliberately uses a conventional bank, not sharia, because there are low interest facilities and fixed for the first 2 years.

(Ii) Penalty

Penalties are fees charged if the debtor repays part or all of the loan before the term of the loan expires. For example, the credit period is 15 years, and in the 10th year the debtor will pay it off because there is a sustenance. Banks usually charge a penalty of 1% of the remaining principal.

(Iii) Details of mortgage cost

This is what details buyers should pay. Read carefully so there is no cost that should be paid by the seller instead of the paying buyer, such as roya certificate and sales tax.

KPR costs include:
  • Notary fees
  • Provision fees
  • Fire and life insurance
  • Taxes

(Iv) The appointment of a notary

Notary who will take care of the legality of all documents appointed by the bank upon approval of the debtor. So for example the debtor does not fit the notary for some reason, he can ask for a change. And unlike the cost of bank mortgage, the debtor may bargain the notary fee.

"I'm looking for a notary who in the deket home let me file files or signatures nothing easy, live the way," said Siska.

5. Signing of contract

Signature of credit agreement
Ni the most eagerly awaited process, the signature of the marriage agreement, eh, credit

After the bank agrees to disburse the mortgage and Siska also agrees with the contents of the SPK, it's time to sign the contract. Siska as a buyer signs two types of contract, namely contract of sale (buyer and seller of house) and credit agreement (home buyer and bank giving mortgage).

In signing the credit agreement, there are several steps that must be taken Siska, namely:
  1. Pay off the mortgage and notary fees.
  2. Requesting the scheduling of the credit agreement signing to the bank and notary (the sooner the better).
  3. Submit required documents, such as KTP, KK, and NPWP to a notary. In this step the seller must also submit a home file, such as a certificate, IMB, the original UN and a photocopy to the notary.
  4. Waiting for a notary to check the validity of the documents.
  5. Signing agreement with the seller (husband and wife) and bank officer in front of the notary. Siska is required to come with her husband. Before signing, all parties are required to show original KTP and KK. Then the notary will read the rights and obligations of the parties.
 Once the signature affairs are completed, the bank will transfer the home purchase money to the house seller. Then the notary will process back the name of the house certificate to be on behalf of the buyer. The certificate along with the IMB and the original PBB will be given to the bank as collateral for KPR.
While Siska and her husband came home with empty hands and blank stares. Haishaah .. No, Siska certainly got the house key. He is allowed to take photocopies of certificates, deeds of sale and IMB to a notary three months after signing of the credit agreement.

Auto Insurance Price Quotes

Premium is a sum of money to be paid each month as a liability from the insured for his participation in insurance ( source ). The amount of premium you pay depends on several things:
  • Type of car insurance (All Risk / TLO)
  • Value of the car
  • Year car
  • Type plate number (ex its Jakarta plate B)
If you do not want to manually calculate premiums, enter your car details below:

Car insurance type: All Risk / TLO

In general, each insurance company offers two types of protection that is the same Comprehensive (All Risk) and Total Lost Only (TLO). 
Comprehensive (All Risk) is an indemnification by the insurance company for the loss of some or all of the car due to falling objects , fire, misconduct, theft, looting, collision, collision or other traffic accidents.
Total Lost Only (TLO) is a compensation that will ONLY be given by the company if the car suffers total damage or above 75%. In addition to the above two types, you also need to know of 'expansion'. Expansion is the addition of protection coverage. Expansions include:
  • Tsunamis and earthquakes
  • flood
  • unrest
  • Terrorism and sabotage
Is this protection extension necessary / not? It depends. For example if you live in Jakarta, you MUST take the expansion of floods and riots because these two events happen quite often here. If you do not take the expansion and your car is 'down the machine' due to flooding, the insurer will NOT compensate. Now that you live!
Each car insurance company has a different rate for their car insurance product. Here are some examples:

ACA

Premium
Car Insurance Premium
Non Truck
All Risk
TLO
0 - 100 million
3.00%
0.80%
100 - 150 million
2.50%
0.80%
150 - 300 million
2.00%
0.80%
300 - 500 million
1.75%
0.80%
500 - 800 million
1.50%
0.80%
> 800 million
1.50%
0.80%
Truck
2.50%
0.90%
Expansion of warranty
Expansion of Warranty
Risks
Premium
All Risk
TLO
Tsunamis and earthquakes
0.15
0.05
Flood
0.35
0.13
Unrest
0.35
0.13
Terrorime and sabotage
0.15
0.05
Calculation
For example, suppose you own a car with the Etios Valco brand with an estimated price of Rp 135,500,000.00. You will insure the car by choosing All Risk protection from the ACA and with additional extension of flood, riot, and sabotage warranties. The amount of premium you will pay is as follows:
M

Sinar Mas

Premium
The amount of premium given by Sinar Mas are:
  • For Comprehensive (All Risk) protection, the premium details are if the car price> 500 million offered 2.5% premium and if the car price <500 million premium offered 3.25%.
  • For Total Lost Only (TLO) protection of 1.5%.
Calculation
You own a Toyota Rush car with an estimated cost of Rp 226,000,000.00. The car will be insured in the company Sinar Mas by using All Risk protection. What is the premium you will pay per year? Here are the details:
M1So, the amount of premium that you will pay per year is Rp 7,345,000

5 Tips for Buying Car Insurance Online

It seems like every time you turn on the television, you encounter a commercial that asks whether you're paying too much for your car insurance. Chances are your insurer won't be champing at the bit to tell you the answer, so the burden is on you to find out. But with an Internet connection and a little planning, you can do it on your lunch hour.
Whether you're shopping for your first policy or looking for a better rate, going online is a gateway to a world of auto insurance quotes and information about the companies that issue them. As you'll see, low cost is just one factor to consider. Let's take a look at five tips to keep in mind when you go online to buy car insurance.
1.Don't Go By Price Alone
Just because a company offers you a cheap quote doesn't mean you should let it insure your vehicle. Take a close look at the terms of your policy to ensure it matches your last auto insurance policy, and that you're getting an equivalent amount of coverage (or at least the minimum amount required by law in your state). Examine the terms of the agreement to make sure the company don't require the use of cheaper aftermarket materials for repairs instead of the original factory parts, which can pose safety hazards [source: Consumer Reports].
In addition to the complaint indexes maintained by state organizations, you can refer to consumer satisfaction databases on Web sites like ConsumerReports.org and JDPower.com . You should also make sure that your insurance company is financially stable before purchasing your policy. In addition to checking with your state insurance department, ratings organizations like A.M. Best and Standard and Poor's are good resources to determine a company's financial state. And look to your friends and family for recommendations, as well.

2.Visit Your State Insurance Department's Web Site
Auto insurance is regulated on a state-by-state basis, and your state's insurance department usually has a bunch of relevant information to your search in the consumer information section of its Web site. Search the National Association of Insurance Commissioners State Web Map to find a link to your state insurance department [source: NAIC].
The depth of information varies, but these Web sites often include profiles of the different insurance companies licensed within the state, sample price comparisons charged by competing agencies to cover common vehicles, and consumer guides to auto insurance. Many insurance departments also provide complaint indexes, which tally the number of consumer complaints upheld against a particular company versus the number of policies they have issued. This information can be valuable in determining which company to sign with.
If you're unsure if a prospective insurer is licensed within your state, ask an agent. If the company falsely claims to be licensed in your state, report them.
3.Shop Around
You should take a look at your auto insurance policy every year to find out how much you're paying in premiums and how much coverage you're getting in return. The cost of the same policy can vary widely between companies based on factors like how much the company spends on advertising, commissions paid to the agent and the risk levels of the company's pool of insured drivers.
To start comparing quotes, try logging on to an auto insurance aggregator Web site like NetQuote.com, Insure.com or InsWeb.com, where visitors submit information about their car and driving history in exchange for an array of quotes from different insurance companies. Typically, many of the quotes come via follow-up e-mails and phone calls from insurance agents. You can also try searching Web sites for companies like Progressive and Geico, which sell insurance directly to consumers and provide quotes immediately.
Before you submit any sensitive information through a Web site, look for a security policy to ensure that any communications are reasonably protected from third parties, and set your Web browser to notify you when you leave a secure connection.

4.Prepare Before You Search
Whether you shop for car insurance online or go one of the other routes, make sure you come prepared with all of the information you need to get an accurate quote. Take stock of your car's make, model, year, vehicle identification number (VIN), the zip code of where you park the car at night and any aftermarket safety or anti-theft accessories installed on the car. Get the license numbers of every driver to be insured under the policy, as well as the date when they were first licensed, and obtain a copy of your driving record. Get an updated credit score as well -- your credit rating can affect your auto insurance premiums, since some insurers say those with poor credit scores are more likely to file claims [source: Roberts-Grey].
There are a few steps you can take to get lower insurance premiums, as well. Tally up the number of miles you drove this year versus the previous year -- a significant decrease in the mileage you drive might help you get a lower quote. Consider completing a defensive driving course online, insuring multiple vehicles (or your home) through the same insurance company or looking for a plan with a higher deductible. You might even want to eliminate certain types of insurance not required by law in your state; you could forego collision and comprehensive coverage on very old cars, for instance [source: Insurance Information Institute].

5.Searching Online Is Just One Option
While there is a seemingly endless number of companies issuing auto insurance policies these days, there are really just two ways to buy car insurance: You can purchase a policy in-person through an agent -- a licensed individual who sells policies on behalf of one or more insurance companies -- or you can buy directly from an insurer via Web site or telephone.
Buying car insurance online still accounts for a relatively small portion of total auto insurance sales, but it's increasing in popularity. According to a 2011 survey by the Internet marketing research company ComScore, just 20 percent of new auto insurance policies were purchased online, compared to 43 percent purchased from an agent. However, the number of online purchases represents an increase of 5 percent from just two years earlier, while the number of agent purchases represents a 6 percent decline. Additionally, a 2011 survey by J.D. Power and Associates showed that 54 percent of new auto insurance owners applied for a rate quote online, the first time this has happened for a majority of respondents [source: Insurance Information Institute].
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