Kebahagiaan tuk yang bersukur

Jika kekayaan bisa membuat orang bahagia, tentunya Adolf Merckle, orang terkaya dari Jerman, tidak akan menabrakkan badannya ke kereta api.

Jika ketenaran bisa membuat orang bahagia, tentunya Michael Jackson, penyanyi terkenal di USA, tidak akan meminum obat tidur hingga overdosis.

Jika kekuasaan bisa membuat orang bahagia, tentunya G. Vargas, presiden Brazil, tidak akan menembak jantungnya sendiri.

Jika kecantikan bisa membuat orang bahagia, tentunya Marilyn Monroe, artis cantik dari USA, tidak akan meminum alkohol dan obat depresi hingga overdosis.

Jika kesehatan bisa membuat orang bahagia, tentunya Thierry Costa, dokter terkenal dari Perancis, tidak akan bunuh diri, akibat sebuah acara di televisi.

Ternyata, bahagia atau tidaknya hidup seseorang itu, bukan ditentukan oleh seberapa kayanya, tenarnya, cantiknya, kuasanya, sehatnya atau sesukses apapun hidupnya.

Tapi yang bisa membuat seseorang itu bahagia adalah dirinya sendiri.. mampukah ia mau mensyukuri semua yang sudah dimilikinya dalam segala hal…

"Kalau kebahagiaan bisa dibeli, pasti orang-orang kaya akan membeli kebahagiaan itu. dan kita akan sulit mendapatkan kebahagiaan karena sudah diborong oleh mereka."

"Kalau kebahagiaan itu ada di suatu tempat, pasti di belahan lain di bumi ini akan kosong karena semua orang akan ke sana berkumpul di mana kebahagiaan itu berada ."

Untungnya kebahagiaan itu berada di dalam hati setiap manusia. Jadi kita tidak perlu membeli atau pergi mencari kebahagiaan itu.

Yang kita butuhkan adalah Hati yang Bersih dan Ikhlas serta Pikiran yang Jernih, maka kita bisa menciptakan rasa "Bahagia" itu kapan pun, di manapun dan dengan kondisi apapun."

Kebahagiaan itu milik Orang-orang yang dapat Bersyukur.

Daily Market Analysis -20150717

Market Overview

all the 3 indexes were up altogether with those european indexes after some good news from Greece.

What was happening

[BRIEFING.COM] The stock market finished Thursday on a higher note with the Nasdaq Composite (+1.3%) and S&P 500 (+0.8%) posting solid gains while the Dow Jones Industrial Average (+0.4%) ended the day closer to its flat line.

Equity indices spiked at the start, responding to overnight strength in the futures market. Shortly after yesterday's close, Intel (INTC 29.90, +0.21) and Netflix (NFLX 115.81, +17.68) reported better than expected results, which led to a surge in Nasdaq futures in particular.

Earnings notwithstanding, Nasdaq and S&P 500 futures received a second boost after the Greek parliament voted 229-64-6 in favor of austerity measures that will allow bailout negotiations to continue with the country expected to receive EUR86 billion in rescue funds. Furthermore, the European Central Bank, which held a policy meeting today, raised the country's allowance to Emergency Liquidity Assistance by EUR900 million, which will pave the way for Greek banks to open as soon as Monday.

As the U.S. opening bell approached, the focus shifted back to earnings with Citigroup (C 58.59, +2.13) and Goldman Sachs (GS 211.18, -1.78) reporting better than expected results. However, Goldman Sachs spent the day in negative territory, snapping its five-day streak. Still, the financial sector (+1.0%) ended among today's leaders, but Goldman's relative weakness kept the Dow under pressure.

Likewise, UnitedHealth (UNH 124.93, -0.93) also pressured the Dow despite reporting better than expected results. The stock narrowed its loss to 0.7% by day's end after being down as much as 3.1% following yesterday's record close. Furthermore, UnitedHealth pressured the health care sector (+0.5%), but hospital names also weighed. For instance, Community Health (CYH 60.99, -1.42) and Universal Health (UHS 141.25, -1.18) lost 2.3% and 0.8%, respectively, after Keybanc Capital Markets downgraded both listings to 'Sector Weight' from 'Overweight.' Biotechnology, however, picked up the slack with iShares Nasdaq Biotechnology ETF (IBB 395.67, +4.91) climbing 1.3%. That strength, combined with a solid showing from the technology sector (+1.3%) kept the Nasaq ahead of the broader market throughout the day.

Large cap technology components like Apple (AAPL 128.51, +1.69), Google (GOOGL 601.78, +17.82) and Microsoft (MSFT 46.66, +0.90) climbed between 1.3% and 3.1% while Intel alternated between gains and losses before settling higher by 0.7%. Other chipmakers struggled, evidenced by the PHLX Semiconductor Index, which eked out a modest gain (+0.2%).

Overall five sectors ended ahead of the broader market, but only two cyclical groups displayed relative strength while consumer staples (+1.0%), telecom services (+1.4%), and utilities (+1.5%) outperformed on the countercyclical side.

On the downside, the materials sector (-0.3%) spent the day in negative territory amid broad weakness while the energy sector (+0.1%) was able to stay in the green even though crude oil fell 1.0% to $50.91/bbl.

Treasuries displayed losses during overnight action, but a morning recovery returned the benchmark 10-yr yield to unchanged by the close (2.35%).

Today's participation was a bit lighter than yesterday with 723 million shares changing hands at the NYSE floor.

Economic data included Initial Claims, NAHB Housing Market Index, and Philadelphia Fed Survey: 

• The initial claims level declined to 281,000 for the week ending July 11 from a downwardly revised 296,000 (from 297,000) while the Briefing.com consensus expected a decline to 283,000 
  • The four-week moving average increased to 282,500 from 279,250, which is the first time that the four-week moving has surpassed 280,000 since the end of April 
  • The continuing claims level decreased to 2.215 mln for the week ending July 4 from a downwardly revised 2.327 mln (from 2.334 mln) while the consensus expected a decrease to 2.285 mln 
• The NAHB Housing Market Index for July rose to 60 from 59 while the Briefing.com consensus expected the index to hold at 59
• The Philadelphia Fed's Business Outlook Survey declined to 5.7 in July from 15.2 in June while the Briefing.com consensus expected a drop to 12.5 
  • There was a general softening in manufacturing conditions across all areas with four out of the nine survey subcomponents contracting in July 
  • The Shipments Index declined to 4.4 in July from 14.3 while Employment conditions were notably weak 
    • The Number of Employees Index turned negative, falling from 3.8 in June to -0.4 in July 
    • The Average Employee Workweek Index dropped to 4.0 from 4.7 

Tomorrow, June CPI (Briefing.com consensus 0.3%) and June Housing Starts (consensus 1.12 million)/Building Permits (expected 1.15 million) will be reported at 8:30 ET while the preliminary reading of the Michigan Sentiment Index for July (consensus 96.5) will be released at 10:00 ET.

Source(Briefing.com)

Market Diaries

Money Supply

Money supply at commercial bank & thrift institution were down, this is a sign of another upcoming market correction.

Technical Analysis

Support: 18000

Resistance18200

Earning Watch

Google, netflix, intel and banking (BAC, C, GS, JPM) shows great outlook.

Forecast

With light news limited to CPI & michigan Survey, I reckon there will be some proift taking on the market. 

Direction for Friday is Down

Accuracy 75% (3/4)

Daily Market Analysis 20150716

Yesterday market Overview

Market were closed at almost flat line

 [BRIEFING.COM] The major averages snapped their four-day win streak on Wednesday as the market slipped into the red during afternoon action. It is worth noting that the late slip occurred amid reports of protesters clashing with riot gear-clad police in Syntagma Square in Athens ahead of this evening's parliamentary vote on the debt agreement with the eurozone. The S&P 500 shed 0.1% to narrow its weekly gain to 1.5%.

Equity indices started the day near their flat lines, seeing little reaction to a busy overnight session that featured the release of China's Q2 GDP (+7.0% year-over-year; consensus 6.9%) and news that the Bank of Japan lowered its GDP forecast for the fiscal year to 1.7% from 2.0%.

Stocks climbed out of the gate, but the S&P 500 could not extend too far above its flat line as most sectors displayed early losses; however, relative strength in financials (+0.8%), health care (+0.1%), and technology (+0.1%) kept the market in positive territory into the afternoon.

The financial sector held the lead throughout the session thanks to support from three large components. Specifically, Bank of America (BAC 17.68, +0.55) PNC (PNC 98.32, +0.82), and U.S. Bancorp (USB 45.53, +1.65) gained between 0.8% and 3.8% after reporting earnings. Bank of America and PNC reported better than expected results while U.S. Bancorp's report was in-line with estimates.

Unlike financials, the other two pockets of early strength could not hold gains into the afternoon. The health care sector ended right below its flat line, which masked relative strength in biotechnology. The iShares Nasdaq Biotechnology ETF (IBB 390.76, +2.82) added 0.7% after being up as much as 2.3% in the early going. Still, the industry group finished ahead of the broader market thanks to a 7.0% spike in Celgene (CELG 131.39, +8.54) after the company raised its guidance and announced the acquisition of Receptos (RCPT 230.08, +22.90) for $232/share in cash.

The intraday strength in biotechnology kept the Nasdaq Composite in the lead, but the index slipped behind the S&P 500 during afternoon action. The top-weighted tech sector (+0.1%) held up relatively well thanks to a 1.0% gain in the shares of Apple (AAPL 126.82, +1.21), but high-beta chipmakers struggled with the PHLX Semiconductor Index falling 0.6%. Industry heavyweight-Intel (INTC 29.70, +0.05)-fared better than its counterparts, adding 0.2% ahead of its quarterly report.

Elsewhere, the energy sector (-1.6%) spent the day behind the remaining groups, dropping to lows in late afternoon action. The growth-sensitive group was pressured by crude oil, which fell 3.1% to $51.40/bbl.

In all likelihood, greenback strength was a headwind for oil as the Dollar Index (97.15, +0.50) climbed 0.5%. The index spiked above its overnight high after the release of Federal Reserve Chair Janet Yellen's prepared remarks to the House Financial Services Committee. The testimony was largely uneventful with Ms. Yellen reiterating the Fed's intention to begin raising the fed funds rate in 2015 if economic conditions hold up.

Treasuries set their lows after the release of Chair Yellen's prepared remarks before advancing into the afternoon with the 10-yr yield falling five basis points to 2.35%.

Today's trading volume was ahead of totals observed earlier in the week as more than 750 million shares changed hands at the NYSE floor.

Economic data included PPI, Empire Manufacturing survey, Industrial Production, and the MBA Mortgage Index: 

• Producer prices increased 0.4% in June after increasing 0.5% in May while the Briefing.com Consensus expected an increase of 0.3% 
  • Gasoline prices increased 4.3% in June after a 17.0% gain in May 
  • Food prices rose 0.6% in June, down from a 0.8% increase in May 
  • Excluding food and energy, core PPI increased 0.3% in June after increasing 0.1% in May while the consensus expected an increase of 0.1% 
• The Empire Manufacturing Survey for July registered a reading of 3.9, which was above the prior month's reading of -2.0 and above the Briefing.com consensus estimate, which was pegged at 3.0 
• Industrial production increased 0.3% in June after declining 0.2% in May while the Briefing.com consensus expected an increase of 0.2% 
  • That was the first increase since a 0.2% gain in March, and the largest increase since a 1.1% gain in November 2014 
    • The increase in industrial production came from a combination of warmer temperatures and higher energy prices, not a pickup in demand from the manufacturing sector 
• The weekly MBA Mortgage Index fell 1.9% to follow last week's 4.6% increase 

Tomorrow, weekly Initial Claims (Briefing.com consensus 283K) will be reported at 8:30 ET while the Philadelphia Fed Survey for July (consensus 12.0) and July NAHB Housing Market Index (expected 59) will both be released at 10:00 ET. 

Market Diaries

MONEY FLOW

There's estimated  Money inflow into Equity market as of $ 2.16 Billion

MARKET SENTIMENT

There's improving bullish senitment and declining bearish senitment as of july 16 compare to july 9

TECHNICAL ANALYSIS

Daily Chart

Support: 17973

Resistance: 18200

Weekly Chart

Earning Watch

Today's Big Earnings include GS, EBAY, UNH

Daily Forecast

Stock arround the globe shows positive  indication today, will all green in Europe and most in Asia, we saw good progression over the greece

Direction for Thursday is UP

Forecast accuracy is 60% (2/3)

Daily Market Analysis 20150715

Market Overview

Most Of the major indexes gain and now above their 50 days moving averages

Bullish percent index rebound from the low

From Briefing.com

[BRIEFING.COM] The major average registered their fourth consecutive advance on Tuesday with the S&P 500 climbing 0.5%. The benchmark index reclaimed its 50-day moving average (2,100) at the start of the session while the tech-heavy Nasdaq Composite (+0.7%) outperformed throughout the trading day. 

Equity indices began near their flat lines after overnight reports from Vienna revealed that P5+1 negotiators agreed to a nuclear deal with Iranian representatives. The news had little impact on the market, but crude oil was down about 2.0% overnight amid expectations that global oil supplies will increase once Iran begins selling its oil on the open market. However, an intraday rebound resulted in crude oil climbing 1.7% to $53.06/bbl. Accordingly, the energy sector (+0.8%) climbed alongside crude oil to end the day among the leaders, while only the health care sector (+1.0%) had a better showing. 

The influential health care space finished the day well ahead of other countercyclical groups even though Johnson & Johnson (JNJ 99.78, -0.49) slumped 0.5% despite reporting a two-cent beat. However, biotechnology filled the void withiShares Nasdaq Biotechnology ETF (IBB 387.94, +8.79) spiking 2.3%, which contributed to the relative strength in the Nasdaq. 

Furthermore, high-beta chipmakers also helped the Nasdaq stay ahead of the broader market with the PHLX Semiconductor Index rallying 1.1%. Micron (MU 19.61, +2.00) was the standout performer, soaring 11.4% after the Wall Street Journal reported Micron may have received a $21.00/share takeover offer from Tsinghua Unigroup. As for large cap tech names, Apple (AAPL 125.61, -0.05), Microsoft (MSFT 45.62, +0.08), and Oracle (ORCL 40.78, -0.02) ended near their flat lines while Google (GOOGL 584.18, +12.45) outperformed, climbing 2.2%. 

Elsewhere among cyclical sectors, financials (+0.4%) spent the day behind the broader market even though JPMorgan Chase(JPM 69.04, +0.95) and Wells Fargo (WFC 57.25, +0.51) posted respective gains of 1.4% and 0.9% in reaction to earnings. JPMorgan Chase delivered a bottom-line beat on below-consensus revenue while Wells Fargo matched earnings expectations on revenue that missed estimates. 

On the downside, the utilities sector (-0.1%) was the lone decliner, narrowing its July gain to 3.6%. 

Treasuries spiked in the morning following a disappointing Retail Sales report. The 10-yr note settled just below its high with the benchmark yield falling five basis points to 2.40%. 

Today's participation was in-line with recent totals as 680 million shares changed hands at the NYSE floor.  

Economic data included Retail Sales, Import/Export Prices, and Business Inventories: 

• Retail sales declined 0.3% in June after increasing a downwardly revised 1.0% (from 1.2%) in May while the Briefing.com consensus expected an increase of 0.3% 
  • The motor vehicle manufacturers reported that unit sales declined to 17.2 million SAAR in June from 17.8 million SAAR in May, which translated into a sizable 1.1% decline in sales at motor vehicles and parts dealers 
  • Excluding motor vehicles, retail sales declined 0.1% in June after increasing a downwardly revised 0.8% (from 1.0%) in May while the consensus expected an increase of 0.5% 
  • Core sales, which exclude motor vehicle dealers, gasoline stations, and building material and supply stores, declined 0.1% in June after increasing 0.6% in May 
• Export prices, excluding agriculture, decreased 0.1% in June after increasing 0.7% in the prior reading 
  • Excluding oil, import prices decreased 0.2%, which followed last month's unchanged reading 
• Business inventories increased 0.3% in May after increasing an unrevised 0.4% in April while the Briefing.com consensus expected an increase of 0.2% 
• The inventory changes from manufacturers (0.0%) and merchant wholesalers (0.8%) were known prior to the release. The only new information was that retailer inventories were flat in May after increasing 0.6% in April. 
• Inventory declines from motor vehicle and parts retailers (-0.2%) and furniture and appliances retailers (-0.3%) were offset by increases from general merchandise stores (0.5%) and building material and supply stores (0.2%) 

Source (Briefing.com)

Market Diaries

Market Mover

Most of tech companies slumps due to weaker earnings, such as AMD, Tesla, Micron, while airline improve, banking like JPM & Wells fargo profit surge, railroad CSX corporation also beats estimate. PepsiCo beats estimate, yum brand growth slows due to China slowth

China GDP growth beats estimate at 7%. and housing price increase by 12%, while Japan GDP outlook is +1.7% from 2%. and Japan keeps monatery policy unchanged as expected.

Earning in focus for today would be from BAC, Netflix, Intel, Delta Airlines.

Oil was down 2% last night, but today it;s up more than $53. 

Forecast

Expect to see some good progress over the Greece, Direction for Wednesday is UP

Forecast accuracy 100% (2/2)

Obat Batu Empedu

Berikut saya bagikan pengalaman pribadi terkait penyakit batu empedu.

Pada October 2013 saya menderita kholik yang terjadi hamper tiap hari yang ditandai dengan sakit abdomen perut bagian kanan atas  dan dari hasil USG diketahui ada batu di empedu saya.

Konsultasi dengan 3 dokter, ketiganya menyarankan untuk dilakukan operasi pengangkatan kantung empedu, dan menurut para dokter hanya ini satu satunya cara untuk pengobatan, dikarenakan kantung empedu itu menurut mereka sifatnya hanya satu arah, yang artnya apabila ada material yang terletak di dalam kantung empedu tidak dimungkinkan untuk keluar, hanya bisa masuk.

Dalam keputusasaan saya, saya menemui seorang herbalist dan diberikan ramuan seperti berikut:

• Selama 5 hari berturut- turut campur 250 ml jus Apel (tanpa biji, tanpa kulit) dicampur dengan 3 sendok makan cuka apel dan diminum 5 X sehari ( dan diusahakan setengah jam sebelum makan)., cuka apel bisa dibeli di supermarket terdekat, nama lainnya adalah Apple Cidar Vinegar. Untuk hasil yang optimal, bisa coba cari juicer yang menggunakan batu untuk memotong, bukan menggukana pisau potong.
• Selama treatment diusahakan pantangan makan: tidak makan makanan yang mengandung MSG, KOPI, teh, goreng-gorengan/berminyak, semua makanan direbus/ tumis
• Hari ke 6 lakukan puasa mulai jam 5 sore. Pada jam 6 sore minum 250 ml air hangat dicampur 1-2 sendok makan garam inggris, lakukan hal yang sama pada jam 8 malam. Pada jam 10 malam, minum campuran 250 ml jus lemon + 250 ml minyak zaitun
• Setelah minum ramuan lemon dan minyak zaitun, langsung berbaring dan tidur.
• Besok pagi anda seharusnya bisa melihat batu empedu keluar bersamaan dengan BAB

Berikut contoh batu empedu saya

How to Change your Blogger header Image

I’ve spent few days trying to figure out how I can change the blogger header image. I was trying to use the customize template features, try to edit HTML, but couldn't figure it out. It could be that I’m oversight on it.

So the following article is about how actually to change the header image.

You can just follow the following steps:

1, Go to your blog dashboard and click on layout, as shown below

2. Click Edit link button on the Header section as shown below:

3. Click on Remove Image link button  then click save Button

4.  Now click Choose from my computer in order to start upload your new image, once finish, click on save button to save the changes

After that you should be able to see the new image   is being displayed into your page header.

Pengalaman Membeli Rumah Over Kredit

Saya ingin mebagi cerita tentang pengalaman saya membeli rumah bekas (alias rumah seken) terutama secara over kredit yang mungkin bisa menjadi masukan buat teman teman yang ingin membeli rumah.

Yang ingin saya bagikan disini adalah hal hal yang perlu diperhatikan pada saat membeli rumah bekas terutama secara over kredit agar tidak terjadi permasalahan dikemudian hari.

Saya membeli rumah yang letaknya persis disebelah rumah saya sekarang pada Oktober 2013, pada saat itu pemilik sedang butuh uang untuk usahanya.

KOMPLEKSITAS

Beberapa komplesitas yang terdapat pada saat itu adalah:

• Masih ada cicilan dari si pemilik lama di Bank (kredit masih berjalan)
• Surat  rumah masih dalam proses balik lama dari developer ke pemilik lama

NEGOSIASI

Setelah negosiasi dan terdapat keputusan atas harga jual dan terjadi perjanjian yang sifatnya verbal, seperti:

• Uang muka yang ditransfer ke pemilik
• Kredit yang akan diteruskan oleh pembeli

PERMASALAHAN

Hal ini sepertinya perjanjian sederhana, namun beberapa hal menjadi masalah dikemudian hari seperti:

• Pemilik tidak tahu persis jumlah sisa angsuran yang ada di Bank, dan beliau bahkan lupa Pin ATM dibank tsb. Sehingga angka yang dibicarakan pada saat negosiasi lebih kecil dari kredit yang sebenarnya.
• Surat rumah yang masih dalam proses sehingga berbulan bulan menjadi masalah buat pergantian nama, hal ini menyebabkan kerugian secara cicilan perbulan yang dibayarkan oleh penerus kredit mengandung komponen bunga.
• Pembayaran cicilan over kredit dilakukan via auto debit di rekening penjual, dan ini cukup riskan apabila uang dipakai terlebih dahulu oleh penjual. Karena kerterlambatan pembayaran di bank akan dikenakan penalty sesuai perjanjian (ada yang penalty perhari)
• Tidak semua bank memberikan kemudahan/ mau untuk mendanai pembelian rumah secara over kredit.
• Apabila re-financing anda disetujui, dana akan ditransfer ke penjual bukan ke rekening pembeli, walaupun yang meminta refinancing adalah pembeli. Hal ini mengandung resiko apabila refinancing jumlahnya lebih besar dari sisa uang yang harus dibayar.

PEMBELAJARAN

Berikut adalah hasil pembelajaran dari kasus tersebut:

• Cek sertifikat rumah, pastikan sertifikat jadi atas nama penjual, agar tidak ada masalah dikemudian hari
• Pastikan sisa cicilan di bank sesuai dengan yang dibicarakan dalam negosiasi, bisa minta penjual untuk print tagihan terakhir
• Pastikan ada perjanjian di atas kertas dengan saksi- saksi agar permasalahan kedepan dapat diselesaikan secara adil
• Pastikan Pajak penjual dan pembeli disetujui bersama, termasuk balik nama sertifikat.
• Apabila anda ingin merefinancing dengan Jumlah uang yang lebih banyak daripada sisa pembayaran yang harus dibayarkan ke penjual, pastikan penjual segera mentransfer kelebihan uang tersebut.

Demikianlah artikel ini dibuat semoga bisa memberikan masukan bagi mereka yang ingin membeli rumah secara over kredit.

Daily Market Analysis- 20150714

Yesterday Market Overview

Here are some note on what happened on monday from Briefing.com website 

[BRIEFING.COM] The stock market began the trading week on an upbeat note with the S&P 500 (+1.1%) registering the bulk of its 23-point gain shortly after the opening bell. The benchmark index padded that advance during the final hour, settling just below its 50-day moving average (2,100). 
Equity indices spiked at the start after lengthy weekend negotiations between Greek representatives and eurozone officials produced a framework for the third rescue package for Greece. The agreement, which includes EUR25 billion in bank recapitalization funds, was cheered by global equity markets, but it is worth noting that the full bailout will be discussed once the country's government passes a series of reforms on Wednesday. The far-reaching concessions will require Greece to streamline value-added taxes, broaden its tax base to increase revenue, curtail pension costs, and privatize public assets worth as much as 50 billion euros. 
Global risk assets surged in reaction to the developments while outflows from the Treasury market weighed on the 10-yr note, sending its yield higher by three basis points to 2.43% after testing the 2.47% level in the early morning. 
Interestingly, the euro only saw a brief spike that was followed by heavy selling with the single currency sliding 1.4% against the dollar to 1.1000. As a result, the Dollar Index (96.82, +0.80) climbed 0.8%, erasing last week's decline. 
All ten sectors ended in the green with five groups adding 1.0% or more. Heavily-weighted sectors fueled today's advance with the technology sector (+1.6%) holding the lead throughout the session. Large-cap sector components like Apple (AAPL 125.66, +2.38), Facebook (FB 90.10, +2.15), Google (GOOGL 571.73, +15.62), and Microsoft (MSFT 45.53, +0.92) spiked between 1.9% and 2.8% while Seagate (STX 46.28, +0.33) advanced 0.7% despite lowering its Q4 revenue and gross margin guidance. As for chipmakers, the high-beta group struggled to keep pace with the sector, but the PHLX Semiconductor Index still added 0.8%. 
Elsewhere among influential groups, the consumer discretionary sector (+1.5%) finished right behind technology while financials (+1.1%) and industrials (+1.0%) ended near the broader market. Also of note, the health care sector (+0.8%) finished behind the broader market, which masked relative strength in biotechnology, evidenced by a 1.6% gain in iShares Nasdaq Biotechnology ETF (IBB 378.89, +6.09). 
Similar to health care, telecom services (+0.6%) and utilities (unch) underperformed while the consumer staples sector (+1.0%) settled just behind the S&P 500. Thanks to today's gain, the staples sector is now up 4.2% for the month, trading well ahead of the remaining nine groups. 
Today's participation was comparable to recent totals as more than 730 million shares changed hands at the NYSE floor.  

Today's Economic data was limited to the Treasury Budget statement for June, which showed a surplus of $51.80 billion while the Briefing.com consensus expected a surplus of $51.00 billion. The Treasury data are not seasonally adjusted, so the June surplus cannot be compared to the $82.40 billion deficit recorded in May. 
Source (Briefing.com)

Market Breadth

Volume is quite well above average on NYSE.

SECTOR

All sectors are now above 50 days- moving average, except material & Energy.

TREASURY YIELD CURVE

FORECAST

Today's data will be limited to June Retail Sales (Briefing.com consensus 0.3%) and Import/Export Prices for June will be released at 8:30 ET while the Business Inventories report for May will be reported at 10:00 ET (consensus 0.2%). (Source: Briefing.com)

With these light news, and some big names will report earning after market close, like J&J, JPM, CSX, While news from Greece will remain in the focus

I would reckon that today's market will be UP

Daily Accuracy 1/1 (100%)

Friendship

Sometimes we have a friend who like to treat, not because they have abundance of cash, it's just they put friendship over money.

Sometimes we have a friend who love to work, it's not because they are pretending they are diligent, but they understand about responsibilities.

Sometimes a friend ask for apologize before us after a fight, not because they are wrong but it;s because they respect people surround them.

Sometimes we have friends who are willing to help us, not because they owe us anything but because they see as as a friend.

Sometimes a friend who always send you an electronic message or Whatsapp is not because they have nothing to do but because they remember you.

One day all of us will be apart. we will memorize those talks & dreams which were in our times.. days by days, months, years till the relationship become a stranger.

One day our kids and grand kids will see our photographs and ask? " who are all of these people?"

and we will smile with invisible teardrops  and will say 

" I have my most beautiful days with them"

How Do I stop Smoking

I've been a smoker for more than 10 years. long short story I've been trying to quit smoking due to health consideration, i tried hundreds of time in order to quite but failed .. in various durations, some effort last for 1 days, some other effort could last for 3 months, but it keeps me back to the addiction again.

Is it really Nicotine addiction that causes it difficult to quit?I've heard so many people taking substitute product like nicotine gums, as they think that they are addicted to Nicotine, so that they need to maintain the availability of those nicotine in their blood.

My observation to this provide my own conclusion. it's not nicotine which is entering your blood which is causing the temptation ,in which when you are free from cigarette, your blood is so tempting to grab some nicotine. I'd rather think it's the habit that has become automatic, that has become a routines. you'd feel your morning mood is bad when you have no cigarette being sucked, or your lunch would taste plain withouth a puff. this kind of stuff.


So how did I quit?

1. Reason

You need to find out a real reason to quite, a major reason, it could be because of your health, family, or any other special reason

2. Create a new habit

As I understand the temptation as habit rather than addiction  so you must create a new habit those include .. avoiding those places or materials or even social friend that could make you return to smoking habit. for example if you tend to eat breakfast in a cafe where you used to smoke, you can now have breakfast at office kitchen.

3. Keep it UP

When you are able to make new habit the next step is to make a consistent move, those include challenging your own self on those progression that you have made. Keeping it up also means that you need to encourage and remind yourself of the objective of you creating those new habit. those also includes effort o fool your mind, meaning to say, when you have a huge temptation to smoke, you should be able to negotiate with your mind so that you will not fall into 1 puff that will lead you to old habit. this effort also include self hypnosis, visualization or meditation

These are really the effort that i have taken in order to quit. and it's been 3rd year for me now enjoying better health as non smoker. 

Fact about Tobacco That you don't know

We have heard so many warning related to hundreds of chemical inside the cigarette right? those are some facts that are related to what are contained in a cigarette.

I was working in a cigarette company, which is one of largest tobacco company in the world. so i'll share a bit of my experience in working with the company, hopefully the fact will provide you more understanding about the tobacco.

Tobacco Treatment

Let's start with Tobacco leave as the main component of cigarette. so Tobacco leaves which comes from farmers are being drought before then send to the factory to be manufactured.  These dried leaves need to be handled carefully in the warehouse, why? as there are few risk related to the dried leaves, those includes fire, humidity, leakages, etc.

I will not discuss in detail about each of the risk on the tobacco warehouse, as those are not the focus of this article. what is important for those smokers are how the tobacco company handle those leaves when they found bugs on it? do you think they will try to filter those tobacco package by package? or clean up in a safe way for the sake of their customers? no man.. they will spray the insecticide or fumigate those leaves in order to get them clean from bugs. have you heard about this before? never right?

Taste - The Sauce

Let's get to the next level of the manufacturing process. those dried leaves will be chopped into smaller pieces before then cooked with a sauces. What is sauce? it's really a mixtures of those ingredient to make the tobacco product has different tastes, not just plain tobacco leave, but it has substances of chemical products.

Packaging

The next process after cooking is to wrap those cooked tobacco with the cigarette paper, before then glued with the filter.  the paper, glue, and filter (those sponge-like component ) these are additional contributors to the chemical part of the tobacco.

So as you know that those anti-cigarette advertisement that you might have seen in hospital or any other places telling about hundreds of chemical contained in a cigarette product are correlated with those manufacturing process explained above. Hope this article provide more understanding about the dangerous of those ciggarette, so stop smoking as soon as you can

Weekly Market Analysis Jul 13-17

Last week Preview

Last wee, Index was closed almost at flat line. here is the summary on what has happened on last week.

Looking at the volume is well above average, but ti shows that new low outpace new high in the weekly summary 424 vs 107.

While on friday itself, the volume is good also, well above 700 million shares traded. participation is quite normal.

Below chart shows the statistic of market breadth indicator where we can see that for the last few weeks the  new low is winning over new highm those altogether with the decline volume outpacing advance volume.

 Bullish sentiments among those indexes are tracked in the following chart, where at average, bullish percent index were at 60+%

SECTOR

The Above chart shows the winner of last week, where utilitizes and cons. staples are the biggest winner, while material & energy were the worse in the sector.

MONEY SUPPLY

The  following table shows the lastest money supply m1 at comercial bank and other instituion. it shows that money supply is increasing for the week ended in June 29, which is a good sign that it seems that the stock will rebound.

this hyphotestis were backed up with the reality that China government was trying to defend their stock market with injecting 500 Billion RMB.

Weekly Forecast

As most indexes at it's lower bolinger band and there's a big hope on the greece deal as well as China Government trying to protect their market, i thik this week is going to be a rebound. we should see some new development over the Greece. 

weekly Direction is UP

Go spend time alone

Go and spend your time alone and practise the mindfulness as much as you can . so as when you're death you'd have been accustomed to calm your fear & other wild thoughts.

Don't think when you are not required to

Whenever you think, you'll have some probability to be not happy, as your mind travels to the past, future and to multi direction and that would depends on which delusion that your mind is mining. Even when your mind think about good things there could also be a chance that non good things be present in your mind those could be old bad memory, or simply as uncertainty of the future.

Whenever you are not required to think, as such in work environment, just don't think, just embrace all phenomena, be aware of all happening inside and outside of your body.  as an example when I'm walking in the beautiful morning, whenever I'm thinking of nothing than just watching everything that surrounds me, no perception, just watching it calms the feeling, i see flower, leaves, the sun, people, etc  as beautiful phenomena. But whenever my mind is filled with my own thought, perception, I lose those calmness.

It's really not easy to be at present moment, to stop thinking, and just be a watcher, it requires a lot of practices.it requires nothing than effort to let go of your thought, see things as common visitors to the consciousness, those visitors shouldn't be attached , they just appear then lost in form of perceptions.

AEON MALL BSD

Ada mall baru buka di BSD City yang baru launching per 31 May 2015, namanya AEON Mall, lokasinya terletak dekat dengan perumahan Foresta.

1-2 hari setelah launching mall tersebut rame sekali karena banyak produk yang sedang diskon, dari makanan hingga mainan anak. kebetulan saya kesana pada hari kedua setelah launching.

Overall kalau untuk jajan, saya pikir mal ini memberikan banyak opsi terutama untuk makanan Jepang baik di lantai dasar maupun lantai atas, dan menurut saya yang pernah mencoba salah satu makanan jepang di lantai atas, itu adalah makanpan jepang terbaik yang pernah saya coba.

Selain makanan, anak anak akan juga senang ke mall ini, dikarenakan selain mainan anak juga terdapat tempat penitipan anak yang bervariasi. selain itu ibu ibu pun saya rasa akan senang ke mall ini secara terdapat banyak toko yang menjual barang- barang unik Jepang.

Bagi yang berencana ke mall ini, perlu diperhatikan bahwa biasanya sabtu- minggu sangat ramai dan lumayan macet, dan menurut saya pribadi mungkin yang perlu ditingkatkan adalah jalanan parkir yang kecil-kecil sehingga cukup padat untuk masuk parkiran. anyway It's awesome mall and worth considering for weekend

More explanation on Greece Crisis

The following  post  NYTimes.com provide more detail explanation to the Greece Crisis. It provides some fact & figures on those contagious effect from Greece Crisis to the rest of the Europe.

And how it impact the world financial system those includes the weaker Euro VS stronger Dollar. i think the next few weeks we'll hear more on options available to solve the crisis, my personal view is that there could be a rebound in the stock market as history will repeat just like the past. whenever there's an  known issue, those government are ready  to negotiate and/or printing more money to solve the issue. and stock market will rebound.

Greece Crisis

The last 1 month, the financial news were all about Greece Crisis, as they are not able to pay for debt that they have from IMF. it triggers the stock market to be on panic mode. we can see sell off everywhere.

It's just a small economy but why trigger panic everywhere? and how can they get out of their issue? will Greece crisis cause the world economic crisis?


For those who want to know more about this economic crisis related to Greece, there;s a website which  you can track on those issue http://www.greekcrisis.net/

I personally think that Greece exits Euro zone is the best option as the union will not give much benefit for those least competitive country like Greece, those Euro zone will need to do their reform not just on the trade policy, but also related to tax transfer policy, whereby those least competitive country /small country like Greece will get benefit from those income inequality tax across the Euro, so that the gaps among those countries can be minimized.

Danger of cancer vs Doctor mishandling

It's just a fresh sad news from oven, my friend just passed away on July 9, 2015 after 3 weeks being hospitalized. this is such an unpredictable loss.

Questions i have now.. whether the sickness/desease which cause the death or doctor mishandling. Here is the chronology. A friend of mine called me that he got a colic after drinking 2 cans of coca cola with empty stomach and was asking my advise on whether he should go to herbalist whom i heal my gallstone 2 years ago.

He seems to have gallstone as well in his gallbladder, and 1 day after that call i was informed that he is hospitalized because he was in a severe sickness. and diagnoses from doctor said that there was fat on his kidney and need to do surgery.

Then the surgery was conducted by doctor, but it was not fat and he was told that it's a cancer found in his kidney and doctor didn;t dare to do any action, and he might need to be refereed to other hospital. so they just close the surgery area.

but problem after that surgery, my friend was then put into ICU for 2 weeks and his conditions kept dropping, blood pressure was at 90/50, breath issue. until 8 of July we were informed that he was in critical situation and need to do blood cleansing with the hope that after the cleansing all toxin because of metabolism can be cleared out.

The cleansing takes up 5 hours with a machine. really shocking he passed away after that blood cleansing, which I don;t think it's cause by the cancer, but it's more because of mishandling. ah really sad news. i just don't think cancerous desease will cause death penalty within weeks, he was okay 3 weeks ago.

Very sad, hope you have a good rest. good bye my friend

Mimpi Kekosongan

Ku kerapkali bermimpi..

Mimpi dalam sepi…dan…bosan..

Ku gelisah…Tatkala bayangkan sendiri dalam kekosongan…

Tiada teman…tiada kerabat…sekelilingku kosong…

 

 

Ku berandai-andai..

Andai ingin bermain….apa yang kumainkan???

Dengan siapa ku kan bermain???

Kapankah permainan itu kan berakhir…

Adakah ku kan menjadi bosan, dan sepi lagi..

 

 

15 tahun sudah ku bermimpi yang sama....

Aku takut…Aku gelisah…tatkala ia datang…

Aku lebih suka menghindar..daripada berpikir…

Yang kutahu saat ini cukuplah menikmati kehidupan..