Pengalaman bersama BNI saat di pusat swalayan. 

Saya sangat senang menjadi nasabah BNI. Mengapa?, karena menurut saya Bank BNI memiliki banyak kantor cabang yang memudahkan nasabah nya untuk melakukan transaksi. Dan nasabah BNI di berikan fasilitas BNI Internet Banking yang sangat multi fungsi. Pengalaman saya saat sayapergi jalan jalan ke mall Thamrin Plaza Medan. Saat itu sedang ada diskon besar- besaran. Saya membeli baju di matahari , nah sampai di kasir saya baru teringat kalau saya tidak membawa uang tunai yang banyak. Saat lihat di dompet saya lihat ada kartu debit BNI. Saya langsung saja tanya ke kasir nya bisa tidak pakai kartu debit BNI, dan staf kasirnya katakan bisa. Langsung saja saya keluarkan Kartu BNI saya, masukkan PIN, gesek dan transaksi berhasil. Jadi saya tidak perlu lagi mencari mesin ATM untuk mengambil uang tunai. Transaksi menggunakan kartu debit BNI sangat mudah, kartu debit BNI bukan hanya bisa di gunakan untuk menarik uang tunai di mesin ATM. Namun juga bisa di gunakan untuk berbelanja di supermarket, mall-mall dan mini market. Pengalaman lain pernah saya alami saat saya mencari isi ulang pulsa.Saat itu waktu menunjukkan pukul sepuluh malam, saya ingin mengisi pulsa untuk menghubungi teman saya. Saya keluar dan mencari konter ponsel dan ternyata sudah tutup semuanya. Tidak menemukan konter yang buka saat itu, saya memutuskan untuk pulang kembali ke rumah. Saya buka laptop saya, lalu saya membuka situs BNI tepatnya di http://www.bni.co.id. Saya buka situs nya dan saya coba melihat menu menu nya, ternyata ada menu pembelian. Rupanya ada menu untuk melakukan pembelian isi ulang pulsa. Setelah saya ikuti langkah langkahnya dan pulsa pun terisi otomatis. Ternyata isi ulang pulsa dengan menggunakan internet banking dari BNI sangat mudah dan cepat. Dengan menggunakan Internet banking BNI, saya dapat melakukan transaksi apa saja tanpa harus di batasi oleh waktu. Transaksi dengan menggunakan internet banking BNI sangat mudah dan aman. Untung saya menjadi nasabah BNI, saya merasakan benefit dati tabungan BNI yang sangat banyak. Terima kasih BNI.

Keep your face clean

 Sometimes it may seem like your skin is impossible to manage, especially when you wake up and find a huge zit on your nose or a cold sore at the corner of your mouth. The good news is that there are ways to prevent and treat common skin problems — read on for some tips.

Acne

A pimple starts when the pores in the skin become clogged with a type of oil called sebum, which normally lubricates the skin and hair. Acne is common during puberty when hormones go into overdrive, causing the skin to overproduce sebum. Because many oil-producing glands are on the forehead, nose, and chin, this area — the T-zone — is where a person is most prone to pimples.

Here are some tips to help prevent breakouts and clear them up as fast as possible:

• Wash your face twice a day (no more) with warm water and a mild soap made for people with acne. Gently massage your face with circular motions. Don't scrub. Overwashing and scrubbing can cause skin to become irritated. After cleansing, the American Academy of Dermatology (AAD) recommends applying an over-the-counter (no prescription needed) lotion containing benzoyl peroxide. This will decrease oil and bacteria.

• Don't pop pimples. It's tempting, but here's why you shouldn't: Popping pimples can push infected material further into the skin, leading to more swelling and redness, and even scarring. If you notice a pimple coming before a big event, like the prom, a dermatologist can often treat it for you with less risk of scarring or infection.

• Avoid touching your face with your fingers or leaning your face on objects that collect sebum and skin residue like your phone. Touching your face can spread the bacteria that cause pores to become inflamed and irritated. To keep bacteria at bay, wash your hands before applying anything to your face, such as treatment creams or makeup.

• If you wear glasses or sunglasses, make sure you clean them frequently to keep oil from clogging the pores around your eyes and nose.

• If you get acne on your body, try not to wear tight clothes. They don't allow skin to breathe and may cause irritation. Scarves, headbands, and caps can collect dirt and oil, too.

• Remove your makeup before you go to sleep. When buying makeup, make sure you choose brands that say "noncomedogenic" or "nonacnegenic" on the label. Throw away old makeup that smells or looks different from when you first bought it.

• Keep hair clean and out of your face to prevent additional dirt and oil from clogging your pores.

• Protect your skin from the sun. It may seem like a tan masks acne, but it's only temporary. A tan may worsen your acne, not improve it. Tanning also causes damage to skin that will eventually lead to wrinkles and increase your risk of skin cancer.

I hope this tips is useful. Thank you.

Save your money

In this day, prices seem to go higher every year. Saving money can sometimes be a hard job for many people. But it's important in our life in the future. To help you save money, here are some pointers for you:

1. Determine the things that are important to you. Identify the items that you need and the items that you want to have. Always remember that you should only buy things that are important and needed in your lifestyle.

2. Make sure that you spend your money only on basic needs like food, transportation, shelter, and clothing. These basic needs are worth spending for because these are important for your health and security. They are the things that you cannot live without and should be allotted in your budget.

3. Make a list of the things that you want to buy and be sure that the items that you are buying are good enough to sustain your basic needs. You have to be satisfied with the things that you have now, as long as it is still useful and can accommodate your needs.

4. You may avoid unwanted purchases by trying the item first before buying it. This is to make sure that the item is worthy enough to acquire. There are instances that you tend to buy things without even knowing its effectiveness and quality. You have to keep in mind that you always need to spend your money wisely on items that have quality and are according to your budget.

5. You may try to budget your money in advance. You can make a plan first before spending your money. There are instances that you spend your money without even thinking that it is not the right time to have it. It also advisable to buy items at the end of the season, prices at this time of the year are low and cheap.

6. You may compare items on their prices. Do not limit your options to just one store only. You may find the best item that can be useful and affordable to you by window-shopping first rather than buying by impulse. Many stores out there carry the same items and can offer lower prices.

7. You can save more money in your household by conserving electricity. Be sure to turn off appliances that are not in use. You may compare your monthly electric bills regularly to check if you are maintaining your desired bill.

8. You can save on your transportation by traveling wisely. It is recommended that you make your itinerary to help you to not forget your destinations. Being organized will help you save money and time.

Why Mars and Venus are Collide.

Once upon a time, Martians and Venusians functioned in separate worlds. But in today's hectic and career-oriented environment, relationships have become a lot more complicated, and men and women are experiencing unprecedented levels of stress. To add to the increasing tension, most men and women are also completely unaware that they are actually hardwired to react differently to the stress. It's a common scenario: a husband returns home from work stressed out and eager to kick back on the couch and watch television. A wife returns home from work stressed out and wants to talk about it with her husband. What happens? Neither is on the same page, anger and resentment set in, and Mars and Venus collide.

Using his signature insight that has helped millions of couples transform their relationships, John Gray once again arms the inhabitants of Mars and Venus with information that will help them live harmoniously ever after. In Why Mars and Venus Collide, Gray focuses on the ways that men and women misinterpret and mismanage the stress in their daily lives, and how these reactions ultimately affect their relationships. "It's not that he's just not into you; he needs to fulfill a biological need," Gray explains. "And it's not that she wants to henpeck you; she also has a biological drive." He shows, for instance, how a husband's withdrawal is actually a natural way for him to replenish his depleted testosterone levels and restore his well-being, and how a woman's need for conversation and support helps her build her own stress-reducing hormone, oxytocin.

Backed up by groundbreaking scientific research, Gray offers a clear, easy-to-understand program to bridge the gap between the two planets, providing effective communication strategies that will actually lower stress levels. Whether in a relationship or single, this book will help both men and women understand their new roles in a modern, work-oriented society, and allow them to discover a variety of new and practical ways to create a lifetime of love and harmony.

Control your emotions with sports.

Difficult to manage emotions? Do the previous exercise activities. Research shows exercise can make a better mood and defuse anger.
Just as aspirin is effective for preventing heart attacks, as well as passion for the sport to prevent anger burst out. Thus the parable is used Nathaniel Thom, PhD, a researcher from the University of Georgia, United States, who do this research.
In his research, he was involved 16 students who have a temperament ill-tempered. They were asked to perform moderate intensity exercise, ie cycling, for 30 minutes. Before and after exercise, respondents were shown photographs that can provoke anger and photos that create a feeling of pity or neutral images.
After the exercise, respondents were asked to measure how angry they are (in scale points 1-20) saw the pictures. Apparently, after exercise and rest, the pictures were no longer make them irritable, compared with before exercise.
Although the results of this research is still on a small scale and need further proof, but according to Thom actually anger and sporting ties.
Anger and aggression caused by low levels of hormones that soothe or serotonin. Research in animals shows exercise can increase levels of serotonin in the brain.
Meanwhile, sports psychology expert Michael R. Bracko, EDD, said the sport that we can transfer the emotion of anger did not ease the anger.
To be sure, the anger does not always solve the problem. With exercise, not just the mood is more awake, it is definitely benefiting healthy body. You can choose the type of exercise such as yoga or sports soothing the spirit burner, as needed.

How to Increase Your Intelligence

Your brain needs exercise just like a muscle. If you use it often and in the right ways, you will become a more skilled thinker and increase your ability to focus. But if you never use your brain, or abuse it with harmful chemicals, your ability to think and learn will deteriorate.

Here are 5 simple ways anyone can squeeze a bit more productivity out of the old gray matter.

1. Minimize Television Watching 
This is a hard sell. People love vegetating in front of the television, myself included more often than I’d like. The problem is watching television doesn’t use your mental capacity OR allow it to recharge. It’s like having the energy sapped out of a muscle without the health benefits of exercise.

Don’t you feel drained after a couple hours of TV? Your eyes are sore and tired from being focused on the light box for so long. You don’t even have the energy to read a book.

When you feel like relaxing, try reading a book instead. If you’re too tired, listen to some music. When you’re with your friends or family, leave the tube off and have a conversation. All of these things use your mind more than television and allow you to relax.

2. Exercise 
I used to think that I’d learn more by not exercising and using the time to read a book instead. But I realized that time spent exercising always leads to greater learning because it improves productivity during the time afterwards. Using your body clears your head and creates a wave of energy. Afterwards, you feel invigorated and can concentrate more easily.

3. Read Challenging Books 
Many people like to read popular suspense fiction, but generally these books aren’t mentally stimulating. If you want to improve your thinking and writing ability you should read books that make you focus. Reading a classic novel can change your view of the world and will make you think in more precise, elegant English. Don’t be afraid to look up a word if you don’t know it, and don’t be afraid of dense passages. Take your time, re-read when necessary, and you’ll soon grow accustomed to the author’s style.

Once you get used to reading challenging books, I think you’ll find that you aren’t tempted to go back to page-turners. The challenge of learning new ideas is far more exciting than any tacky suspense-thriller.

4. Early to Bed, Early to Rise 
Nothing makes it harder to concentrate than sleep deprivation. You’ll be most rejuvenated if you go to bed early and don’t sleep more than 8 hours. If you stay up late and compensate by sleeping late, you’ll wake up lethargic and have trouble focusing. In my experience the early morning hours are the most tranquil and productive. Waking up early gives you more productive hours and maximizes your mental acuity all day.

If you have the opportunity, take 10-20 minute naps when you are hit with a wave of drowsiness. Anything longer will make you lethargic, but a short nap will refresh you.

5. Take Time to Reflect 
Often our lives get so hectic that we become overwhelmed without even realizing it. It becomes difficult to concentrate because nagging thoughts keep interrupting. Spending some time alone in reflection gives you a chance organize your thoughts and prioritize your responsibilities. Afterwards, you’ll have a better understanding of what’s important and what isn’t. The unimportant stuff won’t bother you anymore and your mind will feel less encumbered.

I hope you aren’t disappointed that none of the techniques I’ve proposed are revolutionary. But simple, unexciting answers are often the most valid. The challenge is having the will to adhere to them. If you succeed in following these 5 tips, you’ll be rewarded with increased mental acuity and retention of knowledge.