Thursday, June 7, 2012
The First Trimester
Recently I talked to a friend of mine, who just found out that she's few weeks pregnant. She knew that I had been going through a lot during my first trimester and apparently she experienced the same thing, so she seek me for advice. I still remembered how terrible the feeling of not knowing what happens in your body and how the body reactions are uncontrollable. There were also times I was so desperate of being sick all the time.
The most depressing thing is, I was so clueless about the pregnancy symptoms and I didn't even know whether they were normal or not. That is when this friend asked me about it, I realized that perhaps all new mother to be are as clueless as I was. Yes, we heard and saw on TV that when you are pregnant, possibly you'll experience nausea and morning sickness, but until we have one, we didn't know that the nausea is really that bad or apparently the morning sickness is not happen only in the morning but all day long. It got me thinking that I should write about the whole feelings and experiences that I had been through during my first trimester to provide insight for those who will have a baby soon or who might just found out that they are having a new life growing inside.
During your first trimester, most likely you would experience nausea which makes you lose your appetite, even though it is your favorite dish. The nausea could come at any time, especially when you smell something with strong, such as garlic, strong perfume and most often is the smell of spices when someone is cooking. During the first few weeks, I cannot even stand the smell of hot white rice. While the nausea caused by strong smell is last longer than just few weeks, I started to be able to smell garlic and cook after the first trimester is over. Oh and one funny thing is the nausea easily aroused when I was brushing my teeth. I was sometimes vomit after brushing my teeth. I've never heard that pregnant woman could easily get nausea while brushing teeth, but I had experience that, and apparently this friend of mine has the same issue over brushing teeth.
Since I couldn't eat certain kind of food or otherwise I would vomit after eating, I became pickier than ever in choosing what I want to eat. Mostly I picked food which were either less tasty or had sour taste. For certain I'm avoiding food which use a lot of garlic. The best food to avoid nausea are fruits, especially fruits with sour flavor such as oranges. Eating noodles instead of rice also helped me to avoid nausea. As certain type of foods didn't cause nausea, you might start craving for unusual foods, perhaps that's why some people said that pregnant woman intend to have unique food craving. In my opinion, the food craving is only occurred since our body rejects certain types of foods.
At night, you would possibly having a hard time sleeping during the first trimester. You would find yourself awakened at night, feeling hungry and nausea sometimes. I noticed that there is a tendency that you would get nausea if you get up too fast from sleeping position, so the key is slowing down the process of getting up from bed when you're awake. What I did was stacking up some pillow first so the upper body would be higher than the lower body, stay in that position for some time while eating some biscuits or drink sweet tea. Make sure to put the sweet biscuits (for me sweet stuff helps in overcoming nausea) are within your reach when you're in bed so you don't have to get up to reach it. After a while, you could get up from bed with less nausea. That strategy worked best for me.
Having the nausea and losing my appetite caused my body to weaken. At noon, I found myself easily sleepy and tired. I couldn't even staring at computer or mobile phone more than half an hour without feeling dizzy and having nausea. Even when I need to go out from house, I would easily get nausea and sometimes vomited when I was in the car. That was the part that made me feel stressed because it means I couldn't do any thing during the days. It was as if my body is beyond my control. I wanted to feel healthy so badly, but couldn't do anything about it.
I was too late to realize that your mind controls your body and being stressed out over your body reaction just make it even worse. So for those of you who are currently experience the pregnancy symptoms and feel really bad about it, my suggestion is fill your mind with positive thoughts, accept that those symptoms are totally normal and keep telling yourself that you would get through this soon and you are healthy. Just follow your body reaction, if your body tells you that you're tired, try to get enough rest, or when you have the willing to eat certain kind of foods, just have the foods you want, perhaps your body needs the nutrition from the food. My point is do not push your body to react against what it wants and needs, listen to your body and you would feel so much better.
Most important thing of all, there's a new life growing inside of you, so you should feel blessed about it.
Cheers,
Indispensable Lady
Wednesday, June 6, 2012
Which Tool Would You Choose?
Why? Because the investments that you will select are depend on how long do you want to receive the return, how big the return you want to receive and how big is the risk you willing to take. The period, the return rate and the risk can only be determined once you know what are the goals you want to achieve. That's why financial planner cannot determine what's the best investment options for each person if the goal itself is still unclear. You could read how to determining your financial goals in this post: What is Your Financial Goal? So, you should keep in mind that the investment product is only a tool to help you achieve your goal!
There are several investment options that you could choose, as follows:
1. Savings or Time Deposit
If your financial goal is short term goal, which you want to be achieved within 1 until 3 years, then probably you just save your money in savings or time deposit, especially if you have low risk investment profile. By keeping your money in savings or time deposit for short term, you protect your money from the risk of capital loss. One of the financial goal that is very suitable with this type of investment is Emergency Fund since you need to keep the money accessible whenever emergency condition is occurred.
2. Mutual Fund
The concept of mutual fund is collective investment, where many investors pool their money to purchase securities (debt or stocks). There are different type of mutual funds, which is classified based on the risk and type of securities invested. In consequence, each type of mutual funds will give different rate of return. Types of mutual funds can be divided into 4:
- Money market fund, it is suitable for short term investment (less than 5 years) since the risk is the lowest but the return also the smallest compared to others. The fund will be invested on money market instruments, such as savings, time deposit and obligation matured within 1 year. The average rate of return for this type of mutual fund is around 7% per annum.
- Fixed income fund, it is suitable for medium term investment within 5 to 10 years since the risk is slightly higher than money market fund, but the average rate of return is approximately 10% per annum. The fund will be invested in government and corporate bonds, which matured more than 1 year.
- Balanced fund, it is suitable for long term investment that is more than 10 years, especially for conservative investor. This fund is invested in stocks and bonds in balanced portion to minimize the risk of stock price fluctuation. The average rate of return for this type of fund is 15% per annum.
- Equity fund, it is suitable for aggressive investor who has long term financial goal, which is more than 10 years. Minimum 80% of the fund will be invested in stocks. Since the risk is the highest compared to the three funds above, this fund also provides the highest return, approximately 20-25% per annum.
3. Stocks
If we choose to invest in mutual funds, we don't need to choose which stocks that we want to purchase as the fund manager will select and diversify the stocks to be invested. However if you already understand the fundamental and technical analysis to select the best stocks, you could invest in stocks directly. Of course you need to have the time and knowledge to monitor and trade your stocks to obtain the capital gain. Nowadays you could easily trade stocks through online broker.
4. Property
Some of my friends are not comfortable investing in securities and they prefer to invest in property since return of investment in property in Indonesia is relatively high, about 20-30% per annum. I guess this type of investment is suitable for low risk profile investor. However you should also note that investing in property requires large amount of money while for mutual funds you could start investing from Rp100,000. The most important thing that should be considered in investing in property is the choosing strategic location, otherwise you would get capital loss instead of the return.
5. Gold
If you're following the news, the price of gold is decreasing recently, which means a very good timing to buy. I would prefer to use gold as long term investment or for emergency fund instead of for short term investment since the price is hardly to be predicted.
From the above five instruments, my husband and I choose savings for emergency fund and short term financial goals, we also have fixed income fund and equity fund for the goal of kids education fund and we also have golds for long term investment. I also trade stocks using online broker, however I only use idle cash for that since I just started learning about trading stocks, so I didn't consider it as an investment.
So, have you decided which of the above investment you would choose?
Cheers,
Indispensable Lady
Tuesday, June 5, 2012
Craving for Holiday!
Discussion in the house lately is covering about holiday, which is kinda impossible since we're expecting for my labor within the next two months :-D Yet, it always brings excitement when talking about planning a holiday, since I love traveling. Even though we might not be able to have a proper holiday until next year, but we have planned to go somewhere in Europe next year then go to Bali and Lombok the year after. Yes, we do miss the beach!
There are different types of travelers, some people prefer to maximize their holiday time by visiting as many places as they can (which is very common for Indonesian) and the other would be more pleased if they could stay at one place for certain days to enjoy the surrounding without rushing. My husband and I are more into the second type, that's why we are not a big fan of joining a tour. After several experiences going on holiday with a tour, I always ended up had sore feet and unsatisfied feelings as they intended to hop on and hop off too fast at every tourism spot.
Fortunately, I love doing all the planning and research for traveling, so I usually comes up with a detailed itinerary for our trip, including booking tickets and accommodation, which places to be visited, activities that we could do, places to eat and places to buy some souvenirs. Since we have all the information we need on the internet, it is so much easier to plan the travel itinerary. There are some websites I usually use, which is quite informative and helpful, they are:
1. Trip Advisor
This website is recommended if you want to know the review from other customers regarding the accommodation or restaurants surrounding your holiday destination. I would feel more confident if I know that the hotel I plan to book has a good recommendation by others, since they give more objective reviews than the promotion on a hotel website or travel agent. I usually find recommendation for nearby eating spots from this website to have recommendation which are the must-try culinary surrounds the area. The information shown on the website is very complete, that you could have the address and telephone of each hotels and restaurants to be added to your itinerary.
2. Agoda
When booking for accommodation online, I use this website several times. Through the website you could obtain information about the prices of many hotels so you could compare several places to get the best rate. They sometimes offer price lower than the price stated on the hotel's own website, so don't forget to check their special offers. Of course you need to submit your credit card for payment, but I've booked several times from this website and there is no trouble with my credit card billing.
3. Momondo
I just found out about this website recently and I think that it is an efficient way to find the cheapest rate of airline tickets. Previously I should check from several airline websites in order to obtain the best rate whenever I want to book a ticket. But using this website, we could just input once the route and the travel date and it will show you all the available flights from the cheapest one to the most expensive. You could even find special offers easily just by choosing your current location and the month you want to travel and this website will show you what deals are offered at the moment. Even more convenience, you could access this on your smartphone.
4. Airbnb
I know this website since today my husband told me that he saw an advertisement on the office's bulletin board about a summer house in Provence that is available for rent. He sent me the link and apparently the owner put it on this website. Since staying at hotels are quite expensive when you travel, why don't you try to rent people's house instead, it is more affordable . I considered it as a good alternative to maximize your traveling budget. For sure you need to be extra careful in choosing the places rented since it might not be as nice as the picture, but you could read previous guest review to see whether the place is truly as advertised. I suggest to choose the place where the owner doesn't live in the house, so you still have the freedom just like when you're staying at hotel.
Hope the information above is useful for you to plan your holiday and traveling ;-)
Cheers,
Indispensable Lady
Monday, June 4, 2012
Culinary Heaven
My mother is currently on a holiday in Bali at the moment. We talked on Skype yesterday and I was so jealous with her. Bali is one of my favorite place for holiday, not only that I am a beach person but also because there's so many kind of delicious and authentic foods that you may only found in Bali. There are some places I couldn't miss whenever I went to Bali, such as:
1. Babi Guling Ibu Oka
It is located on Jalan Suweta, Tegal Sari No. 2, Ubud and it sells suckling pig with traditional Bali taste. For a complete dish, you would get a crispy skin, tender meat, sausage with mixed vegetables served over rice. You could also ask for the soup and don't forget to eat the dishes with its specialty chili sauce. I usually have a skin pig crackers to accompany the dishes. Personally I think this is the best suckling pig in Bali so this is one of the must visit places whenever I was in Bali. The price for the dish starts from Rp30,000 per portion.
2. Naughty Nuri's
This one also sells pork dishes but this one is Western cuisine. It is famous for its delicious grilled pork rib. The location is also in Ubud, at Jalan Raya Sanggingan. What I love is the meat is very tender with tasty barbecue sauce and the portion is also big, which makes the price of Rp90,000 is worthy. There have two restaurants on the same street, however I prefer to eat at the original place, which is 20 meter after the newer restaurant. They also serve other dishes which is halal, such as beef steak and chicken steak but I've never tried anything else other than the pork rib.
3. Bebek Bengil
Compared to the two places I've mentioned above, this one is pretty expensive. However I must say they have awesome taste of fried crispy duck. This place is located at Jalan Hanoman, Padang Tegal, Gianyar - Ubud. I love the crispiness of the duck's skin but the meat inside is still tender. It's best when you eat them with the chili sauce, which is quite spicy. As I said, the place is kinda pricey, for half-portion of crispy duck, they charge you about Rp100,000.
4. Warung Krisna
I've only tried eating at this Warung once and from that experience I could admit that the Nasi Ayam
(chicken rice) tastes good! The location is on Jalan Kutat Lestari No. 4, Sanur, which is quite remote from the main road however it is well known by foreigner and the local, probably because of the delicious taste and cheap price. Basically they sell Balinese chicken rice, which consist of fried chicken, sate lilit (fish satay), boiled vegetables with shredded coconut, boiled egg, peanut and raw onion chili sauce. You could ask to switch the rice into lontong or porridge. For a portion of chicken rice, it costs only Rp10,000, very cheap isn't it?
5. Menega Cafe
You must have known that Jimbaran is famous for its seafood restaurants, but perhaps once you arrived at Jimbaran, you don't really know which one is the best since there are lots of similar restaurants there. I could recommend you to go to Menega Cafe, which is located at Jalan Four Season Resort Muaya Beach, Jimbaran as the seafood are fresh, tastes good and the most important it has fair prices for the dishes. I have been to another restaurant in Jimbaran and trust me they charged a very unreasonable prices. The price per person in Menega Cafe is approximately starts from Rp50,000. I love the grilled fish, grilled shrimp and the mussels dishes in this place.
I also recommended Bali Bakery if you love cakes, since their cakes is very mouthwatering, they have several branches, one of them is located at Jalan Raya Kuta No. 65. And if you are a big fan of Japanese cuisine, there is an authentic Japanese restaurant, named Take, located at Jalan Patih Jelantik, which sell fresh sushi and other Japanese dishes.
There are lots of places to eat in Bali, I haven't tried them all, but I am going to try them on the next time I have the opportunity to go to Bali. Here are they:
1. Babi Guling Ibu Oka
It is located on Jalan Suweta, Tegal Sari No. 2, Ubud and it sells suckling pig with traditional Bali taste. For a complete dish, you would get a crispy skin, tender meat, sausage with mixed vegetables served over rice. You could also ask for the soup and don't forget to eat the dishes with its specialty chili sauce. I usually have a skin pig crackers to accompany the dishes. Personally I think this is the best suckling pig in Bali so this is one of the must visit places whenever I was in Bali. The price for the dish starts from Rp30,000 per portion.
2. Naughty Nuri's
This one also sells pork dishes but this one is Western cuisine. It is famous for its delicious grilled pork rib. The location is also in Ubud, at Jalan Raya Sanggingan. What I love is the meat is very tender with tasty barbecue sauce and the portion is also big, which makes the price of Rp90,000 is worthy. There have two restaurants on the same street, however I prefer to eat at the original place, which is 20 meter after the newer restaurant. They also serve other dishes which is halal, such as beef steak and chicken steak but I've never tried anything else other than the pork rib.
3. Bebek Bengil
Compared to the two places I've mentioned above, this one is pretty expensive. However I must say they have awesome taste of fried crispy duck. This place is located at Jalan Hanoman, Padang Tegal, Gianyar - Ubud. I love the crispiness of the duck's skin but the meat inside is still tender. It's best when you eat them with the chili sauce, which is quite spicy. As I said, the place is kinda pricey, for half-portion of crispy duck, they charge you about Rp100,000.
4. Warung Krisna
I've only tried eating at this Warung once and from that experience I could admit that the Nasi Ayam
(chicken rice) tastes good! The location is on Jalan Kutat Lestari No. 4, Sanur, which is quite remote from the main road however it is well known by foreigner and the local, probably because of the delicious taste and cheap price. Basically they sell Balinese chicken rice, which consist of fried chicken, sate lilit (fish satay), boiled vegetables with shredded coconut, boiled egg, peanut and raw onion chili sauce. You could ask to switch the rice into lontong or porridge. For a portion of chicken rice, it costs only Rp10,000, very cheap isn't it?
5. Menega Cafe
You must have known that Jimbaran is famous for its seafood restaurants, but perhaps once you arrived at Jimbaran, you don't really know which one is the best since there are lots of similar restaurants there. I could recommend you to go to Menega Cafe, which is located at Jalan Four Season Resort Muaya Beach, Jimbaran as the seafood are fresh, tastes good and the most important it has fair prices for the dishes. I have been to another restaurant in Jimbaran and trust me they charged a very unreasonable prices. The price per person in Menega Cafe is approximately starts from Rp50,000. I love the grilled fish, grilled shrimp and the mussels dishes in this place.
I also recommended Bali Bakery if you love cakes, since their cakes is very mouthwatering, they have several branches, one of them is located at Jalan Raya Kuta No. 65. And if you are a big fan of Japanese cuisine, there is an authentic Japanese restaurant, named Take, located at Jalan Patih Jelantik, which sell fresh sushi and other Japanese dishes.
There are lots of places to eat in Bali, I haven't tried them all, but I am going to try them on the next time I have the opportunity to go to Bali. Here are they:
- Sup Ikan Mak Beng, located at Jalan Hang Tuah No. 45, Sanur, famous for its sour and spicy fish soup.
- Nasi Ayam Kedewatan Bu Mangku, located at Jalan Raya Kedewatan No. 18, Ubud, famous for its Balinese chicken rice.
- Nasi Pedas Ibu Andhika, located at Jalan Raya Tuban, famous for its pork dishes served over steamed rice and hot chili.
- Warung Nikmat, located at Jalan Bakungsari, Gang Widuri No. 6, Kuta, famous for its East Java cuisine.
- Pizza Club, located at Jalan Laksamana No. 60, Oberoi, Seminyak, famous for its Italian pizza.
Wow, my stomach is growling after I wrote all of them. Bali is truly more than just its beaches, it is also a culinary heaven!
Cheers,
Indispensable Lady
Sunday, June 3, 2012
Learning Danish
After several classes, I think I am progressing well even though the teacher increases the pace quite significantly since he is going to have cancel 2 classes during this month. Up till now, I already learn how to introduce myself, tell others about my background, order or buy something in the store and even create a sentence or a question in Danish. Of course I still lack of vocabulary so the words that I could use are still very limited.
One thing I noticed to be successful in learning a language is doing a lot of exercises and keep practicing the lesson you have learned by far. Otherwise, you'll learn new things in every upcoming classes but then you forgot what you already learned in previous classes. One of my classmate is making flash cards to help her memorizing all the lessons learned. I think that is one smart way to help you master the language better as you wrote down once again, you will remember the vocabulary and grammar even more.
I am planning to use her method as well, however I am not good in keeping too many papers so I think it would be useless if I use flashcards like her as most likely I will lose the flashcards easily. I am thinking to make a digital flashcards instead. The idea is still in my head, but I will post it here once the project is finished. Perhaps by creating a digital flashcard I could also help others who are willing to learn Danish. All they need to do is just downloading the flashcard from this blog.
Another things I should do to improve my Danish is practicing to real world. However it is not that easy as I heard that Danes don't like to speak Danish with you if your Danish isn't good. Most likely they will reply you in English, even though you talk to them with poor Danish. I also spontaneously speak in English whenever I have to talk to the Danes and afterwards I just realize that I should be able to use Danish as I already know what's word to use in that situation. Too bad it's too late, then. Hopefully I could use my Danish in practice real soon.
Cheers,
Indispensable Lady
Saturday, June 2, 2012
When Mommy Does Shopping
I've heard from some of my friends who already become a mother, that the moment you have children, you're no longer tempted when seeing women fashion sale but the shopping addiction is migrate into the children fashion section. They also said that they are more willing to spend more for their kids' clothes rather than spending money to buy their own clothes. And most of the time, it's harder to resist the temptation if they saw something cute or fancy for their kids, compared to when they see something nice for themselves, especially when those items are on sale.
Well, today I've experienced the feeling when my husband and I came to a warehouse sale, held by a Danish design children clothing brand, named Wheat. This was our first time coming to a warehouse sale in Copenhagen, and to be honest, it was so exciting knowing that we could buy new clothes with a very cheap price! It was held in their warehouse and some of the clothes were put outside the warehouse. It reminds me a little bit of typical stock taking location that I used to do when I was still working as an auditor.
They have classified the clothing rack based on the children age so it was easier to find the correct size, even though some of the clothes already strayed to other boxes and piled up on the floor. Luckily, it was not so crowded, perhaps because it was raining that noon. My friend said that usually there are more people coming to the warehouse sale so it's kinda hard looking for the items you need. There were various items that are sold there, including trousers, tops, winter jackets, socks, hats, towels, etc, that are suitable for children from the age of 0 until 12 years old.
I really love the brand because the design is simple yet stylish without too many graphical motives in its clothes and most of the colors are in pastel, which is my favorite :) The discount is quite big, ranging from 50 until 80% and the price started from 20 kroner into 450 kroner. We even got a winter jacket for baby for only 100 kroner (equivalent to Rp165,000), which was discounted from 500 kroner. Our total spending is 350 kroner for 7 pieces of clothes, so it is a pretty great deal.
Here are our today's purchase!
I'm in love with their tag designs so I took some photos of them. I think the design is super cool! Here they are:
Some tips to keep your budget safe when going to a shopping sale:
Well, today I've experienced the feeling when my husband and I came to a warehouse sale, held by a Danish design children clothing brand, named Wheat. This was our first time coming to a warehouse sale in Copenhagen, and to be honest, it was so exciting knowing that we could buy new clothes with a very cheap price! It was held in their warehouse and some of the clothes were put outside the warehouse. It reminds me a little bit of typical stock taking location that I used to do when I was still working as an auditor.
They have classified the clothing rack based on the children age so it was easier to find the correct size, even though some of the clothes already strayed to other boxes and piled up on the floor. Luckily, it was not so crowded, perhaps because it was raining that noon. My friend said that usually there are more people coming to the warehouse sale so it's kinda hard looking for the items you need. There were various items that are sold there, including trousers, tops, winter jackets, socks, hats, towels, etc, that are suitable for children from the age of 0 until 12 years old.
I really love the brand because the design is simple yet stylish without too many graphical motives in its clothes and most of the colors are in pastel, which is my favorite :) The discount is quite big, ranging from 50 until 80% and the price started from 20 kroner into 450 kroner. We even got a winter jacket for baby for only 100 kroner (equivalent to Rp165,000), which was discounted from 500 kroner. Our total spending is 350 kroner for 7 pieces of clothes, so it is a pretty great deal.
Here are our today's purchase!
I'm in love with their tag designs so I took some photos of them. I think the design is super cool! Here they are:
Some tips to keep your budget safe when going to a shopping sale:
- Define the budget you want to spend during the sale and stick to the budget
- When you found the items you like, just take them first to the shopping bag. Otherwise it will be hard to find it again if you have a second thought and then feel disappointed when you couldn't find it.
- Before paying, check again all the items you took and pick only the items you really need. Ensure that the total price is still within your budget if it was above your budget, reconsider things that you could buy later on.
- Don't forget to check the condition of the item, ensure that there is no flaw or damage in the items you selected.
- Then, you're ready to pay!
Happy shopping, Mommy! :)
Cheers,
Indispensable Lady
Friday, June 1, 2012
Jar Labels
Do you remember about the post I wrote about organizing kitchen? Yeps, apparently it hasn't finished until now, with so much things to do I almost forgot to finalize organizing my kitchen. So today I'm starting to design the label for jar spices. I'm using empty used jars to keep all the spices, instead of using plastic storage because it will look tidier.
However I haven't printed the labels yet, I'm just started designing the label with Photoshop. I made it simple with pastel colors. Here are my result so far:
However I haven't printed the labels yet, I'm just started designing the label with Photoshop. I made it simple with pastel colors. Here are my result so far:
Since I only have 4 empty jars at the moment, I only made 4 designs. I'm planning to make another design for covering the jars, instead of just the jar lids since I will place the jars in a rack, so it would be easier if I could see it from above and also from the sides.
Tell me what you think about those designs :) Will update this post after I've printed them and stick them to the jars.
Cheers,
Indispensable Lady
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