Untukmu yang masih saja gelisah akan rencana-Nya, sudahilah rasa gelisahmu, sudahilah rasa getirmu, dan sudahilah dari beripikir yang tidak-tidak tentang harapan yang kamu haturkan kepada Allah.
Berhusnuddzan saja kepada Allah sebanyak-banyaknya, hingga akhirnya hatimu spenuh dengan rasa yakin, bukan rasa getir.
Karena bagaimanapun harapanmu selama ini sudah Allah lihat dengan sempurna, dan tentang ia yang tidak kunjung menjadi nyata, Allah menyuruhmu menunggu. Maka bersabarlah!
Tidak Usah Banyak Protes Tentang Sesuatu yang Masih Saja Samar, Karena Pada Akhirnya Akan Menjadi Nyata Juga
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Jalani apa-apa yang telah Allah tuliskan kepadamu, jangan banyak mengeluh, dan tidak usah banyak protes tentang sesuatu yang masih saja samar, karena pada akhirnya harapanmu akan menjadi nyata juga.
Jangan gegabah, hanya karena kamu pikir waktu terbaik telah tiba, sebab sungguh waktu terbaik itu hanya Allah yang tahu, dan kapan ia harus sampai kepadamu.
Bersabarlah Dulu Dalam Rentetan Rencana-Nya, Karena Pada Akhirnya Kamu Akan Menemukan Apa yang Kamu Harapkan
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Intinya bersabarlah dulu dalam rentetan rencana-Nya, mungkin bagimu waktu yang kamu jalani sangatlah lama, tapi dibalik itu semua ada rencana indah Allah yang nantinya akan sangat kamu syukuri.
Untuk itu, bersabar dan tetapah bersabar, jangan beri ruang hatimu untuk merutuki apapun yang masih menjadi rahasia-Nya, karena bagaimanapun lamanya kamu menunggu tetap saja pada akhirnya kamu akan menemukan apa yang kamu harapkan.
Allah Tidak Pernah Mengabaikan Keinginan Baikmu, Hanya Saja Allah Menyuruhmu Bersabar Terlebih Dahulu
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Dan mudah bagi Allah mengabulkan harapanmu sekarang juga, tapi Allah tidak setega itu memberi takdir yang kamu inginkan sedangkan Dia tahu bahwa semuanya tidak baik untukmu.
Jadi bersabarlah, jalani apa yang Allah persembahkan kepadamu saat ini, jangan banyak mengeluh dan jangan pula banyak bertanya, cukup kamu yakin saja bahwa bila telah tiba waktunya pasti harapanmu akan menjadi nyata dengan sempurna.
Kamu Tidak Pernah Tahu Kapan Waktu Terbaik Dalam Hidupmu, Sebab Itulah Mengapa Seharusnya Kamu Patuh Saja Pada Rencana-Nya
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Lagipula kamu tidak pernah tahu kapan waktu terbaik dalam hidupmu, selama ini kamu hanya mengira-ngira saja, sedangkan Allah sangat tahu kapan waktu terbaik tersebut, maka sebab itulah mengapa kamu seharusnya patuh saha pada setiap rencana-Nya.
Yakinlah, karena kamu tidak akan pernah kecewa dengan setiap takdir yang Allah putuskan, bila kamu sudah yakin kepada Allah tiada henti dan selalu sepenuh hati.
Percayalah Semua Akan Indah Pada Waktunya, Bahkan Lebih Indah Dari Apa yang Ada Dalam Benakmu Selama Ini
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Lantas bagaimanapun lamanya kamu menunggu keputusan dari Allah tetap percaya saja bahwa bila telah sampai waktu yang Allah rencanakan maka semua akan indah, bahkan akan lebih indah dari apa yang ada dalam benakmu selama ini.
Percaya saja bahwa setelah waktu menunggumu yang lama ini akan hadir kisah indah yang akan membuatmu mengerti bahwa setiap yang Allah rencanakan pasti berakhir dengan kebaikan yang nyata.
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TRIBUNJOGJA.COM, MAGELANG - Sesosok orok bayi yang baru saja dilahirkan ditemukan terjatuh di atas atap seng bangunan parkir karyawan di belakang kantor Pos Kota Magelang, Selasa (2/10/2018).
Bayi tersebut diduga kuat dibuang dengan cara dilempar dari lantai tiga Gedung Matahari Mall, Alun-alun Kota Magelang oleh pelaku pembuangan bayi.
Saksi mata sekaligus petugas parkir di tempat parkir karyawan di belakang kantor Pos Kota Magelang memperlihatkan tempat bayi perempuan malang itu ditemukan, Senin (2/10). (Tribun Jogja/ Rendika Ferri Kurniawan)Petugas Kepolisian Resort Magelang Kota melakukan olah tempat kejadian perkara di salah satu toilet lantai 3 Gedung Mall Matahari, Alun-alun Kota Magelang, Selasa (2/10). Toilet tersebut diduga tempat melahirkan dan membuang bayi oleh terduga pelaku N (24). (Rendika Ferri K)Petugas Kepolisian Resort Magelang Kota menggiring N (24), karyawati SPG Matahari Mall yang diduga menjadi pelaku pembuangan bayi dari lantai 3 Matahari Mall, Selasa (2/10/2018). (TRIBUNJOGJA.com | Rendika Ferri K)
Salah saksi mata sekaligus petugas parkir yang berjaga di tempat parkir karyawan Gardena, Romadon (44), menuturkan, kejadian penemuan bayi tersebut terjadi sekitar pukul 12.00 WIB siang tadi.
Saat itu dirinya tengah membuka tempat parkir untuk masuk karyawan, tiba-tiba mendengar bunyi keras seperti benda terjatuh di atas atap seng tempat parkir.
Ia sempat mengira jika buah sukun jatuh dan menggelinding dari atap seng ke bawah tanah di himpitan kosong di antara Gedung Mall Matahari dan tempat parkir. Tiba-tiba terdengar suara keras seperti bayi yang menangis.
Dia pun memeriksa sumber suara dan menemukan bayi tersebut tergeletak di atas tanah dengan ari-ari yang masih terikat di pusarnya dan bercak darah di kepalanya.
"Waktu itu sekitar jam 12 siang, jam istirahat kantor. Saya mau buka pintu masuk parkir karyawan, tiba-tiba mendengar ada seperti benda jatuh dari atas atap seng. Saya kira itu kucing, atau buah sukun, tapi kemudian ada tangisan bayi. Saya tengok, bayi itu menangis tergeletak di atas tanah," ujar Romadon, Selasa (2/10/2018) saat ditemui Tribunjogja.com di tempat parkir.
Romadon pun kemudian memanggil rekannya, dan lari ke jalan menuju kantor polisi, Ternyata, terdapat mobil patwal yang tengah melintas. Dia pun melaporkan kejadian tersebut. Petugas kepolisian dengan sigap langsung menuju TKP, dan melakukan evakuasi terhadap bayi malang tersebut.
Saat dievakuasi, bayi berjenis kelamin perempuan itu menangis dengan luka di kepalanya. Ajaibnya, bayi selamat. Petugas kepolisian langsung membawa bayi itu ke Rumah Sakit terdekat.
"Waktu itu saya panik sekali, beruntung ada petugas polisi sedang patwal di jalan waktu saya mau melapor ke pihak Matahari. Kami langsung lakukan pertolongan, bayi itu saat diambil masih hidup dan ada luka di kepala. Posisinya dia tergeletak, dan menangis," ujarnya.
SPG Diamankan polisi
Petugas Kepolisian Resort Magelang Kota mengamankan salah seorang oknum pramuniaga atau SPG dari Mall Matahari, Alun-alun Kota Magelang.
Wanita berinisial N diduga menjadi pelaku pembuangan bayi yang ditemukan terjatuh dari lantai tiga mal matahari setinggi 10 meter ke tempat parkir di belakang Kantor Pos Kota Magelang.
"Kami amankan karyawati, SPG berinisial N. Tadi belum mengakui, tetapi akhirnya mengaku, Tetapi kami harus pastikan dulu, kami bawa ke rumah sakit," ujar Kepala Polisi Sektor Magelang Tengah, AKP R Sukendr, ditemui di TKP.
Sukendro mengatakan, bayi berjenis kelamin perempuan dengan ari-ari masih terikat di pusar itu diduga dilempar dari atas gedung setinggi 10 meter, jatuh ke atap parkiran karyawan, dan menggelinding ke himpitan bangunan di belakang Kantor Pos Kota Magelang. Petugas parkir menemukan bayi itu dalam kondisi selamat.
"Bayi sendiri alhamudlillah sehat, kondisinya baik, tetapi ada luka di pelipis kiri. Bayi berjenis kelamin perempuan itu diduga dijatuhkan dari lantai tiga oleh pelaku," ujarnya.
Ada kejadian tersebut, Petugas Kepolisian Resort Magelang Kota langsung melakukan penyelidikan. Seluruh karyawan dan SPG di Mall Matahari dikumpulkan di lantai atas, dan dinterogasi satu per satu.
Olah TKP dilakukan di toilet lantai tiga gedung yang diduga tempat untuk melahirkan bayi, termasuk tempat di mana bayi itu dilemparkan. Petugas kepolisian melihat adanya bercak darah di toilet di lantai tiga Mall Matahari tersebut.
Kecurigaan pun mengerucut pada salah satu karyawati berinisial N (24). N bekerja sebagai SPG di Matahari tersebut diinterogasi oleh petugas, dan sempat mengelak.
Tetapi pada akhirnya N mengakui perbuatannya. Hal ini dikuatkan dengan dirinya yang sempat mengalami pendarahan. Saat mengamankan N, polisi bahkan sempat menutup roknya dengan plastik hitam.
"Kondisi terduga pelaku saat ini masih mengalami pendarahan. Kami bawa ke rumah sakit untuk dirawat terlebih dahulu," ujarnya.
Petugas kepolisian pun sampai saat ini masih melakukan pemeriksaan terhadap terduga pelaku, berikut motif yang dibawanya. Jika terbukti pelaku terancam UU perlindungan anak pasal 76 (c) jo. 80 (4) yakni melaksanakan kekerasan terhadap anak dengan ancaman hukuman maksimal 3 tahun 6 bulan penjara.
Tak Terdeteksi Hamil
Manager Store Matahari Mall Kota Magelang, Sena Supriyadi, membenarkan, N adalah salah satu karyawati dari Mall Matahari. Wanita berusia 24 tahun tersebut bekerja sebagai Sales Promotion Girl (SPG). N diketahui belum lama bekerja sebagai SPG, sekitar lima bulan yang lalu.
"Iya benar, N ini adalah karyawati sini dan belum lama bekerja di sini. Baru lima bulan bekerja di sini," ujar Sena, Selasa (2/10).
Sena mengatakan, pihak manajemen tidak mengetahui sama sekali jika karyawatinya tersebut hamil. Saat masuk seleksi karyawan, N tidak terbukti hamil. Identitas KTP dari N sendiri masih terpampang belum menikah, sehingga pihak manajemen tidak menaruh curiga sama sekali.
Ia mengatakan, peraturan dari perusahaan sendiri juga meminta karyawan untuk melapor jika telah hamil 2,5 bulan. Jika bekerja harus sesuai dengan persetujuan suami.
"Saat bekerja itu,tidak terdeteksi hamil. Padahal standarnya sudah kami lakukan. kami juga punya aturan kalau hamil 2,5 bulan wajib laporan. kalau memamg masih bekerja harus sepersetujuan suami," ujarnya.
Pihak manajemen pun menyerahkan kasus ini kepada petugas kepolisian dan menunggu tindak lanjut ke depan.
Sementara itu, salah seorang cleaning Service Mall Matahari, Rifva, menuturkan, sesaat sesudah kejadian, dirinya sempat melihat N (24), terduga pelaku pembuangan bayi sedang berada di gudang. Saat itu, dirinya tak menaruh rasa curiga terhadap N, pasalnya paras muka dari terduga pelaku memang pucat.
Baru dirinya kaget saat mendengar kabar dari rekannya ada penemuan bayi di samping gedung. Lebih terkejutnya lagi jika diduga N adalah pelaku pembuangan bayi.
"Waktu itu sekitar jam 12an lah, saya melihat N di gudang, suruh bawain baju dari gudang. Saya ga liat ada darah atau apa. Ga curiga sama sekali. Memang orangnya itu mukanya pucat, dan lemes gitu, jadi ga curiga," ujarnya. (tribunjogja.com
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Term Life by definition is a life insurance policy which provides a stated benefit upon the holder's death, provided that the death occurs within a certain specified time period. However, the policy does not provide any returns beyond the stated benefit, unlike an insurance policy which allows investors to share in returns from the insurance company's investment portfolio.
Annually renewable term life.
Historically, a term life rate increased each year as the risk of death became greater. While unpopular, this type of life policy is still available and is commonly referred to as annually renewable term life (ART).
Guaranteed level term life.
Many companies now also offer level term life. This type of insurance policy has premiums that are designed to remain level for a period of 5, 10, 15, 20, 25 or even 30 years. Level term life policies have become extremely popular because they are very inexpensive and can provide relatively long term coverage. But, be careful! Most level term life insurance policies contain a guarantee of level premiums. However some policies don't provide such guarantees. Without a guarantee, the insurance company can surprise you by raising your life insurance rate, even during the time in which you expected your premiums to remain level. Needless to say, it is important to make sure that you understand the terms of any life insurance policy you are considering. Return of premium term life insurance
Return of premium term insurance (ROP) is a relatively new type of insurance policy that offers a guaranteed refund of the life insurance premiums at the end of the term period assuming the insured is still living. This type of term life insurance policy is a bit more expensive than regular term life insurance, but the premiums are designed to remain level. These returns of premium term life insurance policies are available in 15, 20, or 30-year term versions. Consumer interest in these plans has continued to grow each year, as they are often significantly less expensive than permanent types of life insurance, yet, like many permanent plans, they still may offer cash surrender values if the insured doesn't die.
Types of Permanent Life Insurance Policies
A permanent life insurance policy by definition is a policy that provides life insurance coverage throughout the insured's lifetime ñ the policy never ends as long as the premiums are paid. In addition, a permanent life insurance policy provides a savings element that builds cash value. Universal Life
Life insurance which combines the low-cost protection of term life with a savings component that is invested in a tax-deferred account, the cash value of which may be available for a loan to the policyholder. Universal life was created to provide more flexibility than whole life by allowing the holder to shift money between the insurance and savings components of the policy. Additionally, the inner workings of the investment process are openly displayed to the holder, whereas details of whole life investments tend to be quite scarce. Premiums, which are variable, are broken down by the insurance company into insurance and savings. Therefore, the holder can adjust the proportions of the policy based on external conditions. If the savings are earning a poor return, they can be used to pay the premiums instead of injecting more money. If the holder remains insurable, more of the premium can be applied to insurance, increasing the death benefit. Unlike with whole life, the cash value investments grow at a variable rate that is adjusted monthly. There is usually a minimum rate of return. These changes to the interest scheme allow the holder to take advantage of rising interest rates. The danger is that falling interest rates may cause premiums to increase and even cause the policy to lapse if interest can no longer pay a portion of the insurance costs.
To age 100 level guaranteed life insurance
This type of life policy offers a guaranteed level premium to age 100, along with a guaranteed level death benefit to age 100. Most often, this is accomplished within a Universal Life policy, with the addition of a feature commonly known as a "no-lapse rider". Some, but not all, of these plans also include an "extension of maturity" feature, which provides that if the insured lives to age 100, having paid the "no-lapse" premiums each year, the full face amount of coverage will continue on a guaranteed basis at no charge thereafter.
Survivorship or 2nd-to-die life insurance
A survivorship life policy, also called 2nd-to-die life, is a type of coverage that is generally offered either as universal or whole life and pays a death benefit at the later death of two insured individuals, usually a husband and wife. It has become extremely popular with wealthy individuals since the mid-1980's as a method of discounting their inevitable future estate tax liabilities which can, in effect, confiscate an amount to over half of a family's entire net worth!
Congress instituted an unlimited marital deduction in 1981. As a result, most individuals arrange their affairs in a manner such that they delay the payment of any estate taxes until the second insured's death. A "2nd-to-die" life policy allows the insurance company to delay the payment of the death benefit until the second insured's death, thereby creating the necessary dollars to pay the taxes exactly when they are needed! This coverage is widely used because it is generally much less expensive than individual permanent life coverage on either spouse.
Variable Universal Life
A form of whole life which combines some features of universal life, such as premium and death benefit flexibility, with some features of variable life, such as more investment choices. Variable universal life adds to the flexibility of universal life by allowing the holder to choose among investment vehicles for the savings portion of the account. The differences between this arrangement and investing individually are the tax advantages and fees that accompany the insurance policy.
Whole Life
Insurance which provides coverage for an individual's whole life, rather than a specified term. A savings component, called cash value or loan value, builds over time and can be used for wealth accumulation. Whole life is the most basic form of cash value insurance. The insurance company essentially makes all of the decisions regarding the policy. Regular premiums both pay insurance costs and cause equity to accrue in a savings account. A fixed death benefit is paid to the beneficiary along with the balance of the savings account. Premiums are fixed throughout the life of the policy even though the breakdown between insurance and savings swings toward the insurance over time. Management fees also eat up a portion of the premiums. The insurance company will invest money primarily in fixed-income securities, meaning that the savings investment will be subject to interest rate and inflation risk.
Life Carrier Direct was founded by managing partners with over 70 years of combined Life Insurance experience. Most people want life insurance to protect the ones they love from any unexpected death so that they will be protected financially to cover such things as loss of household income, funding for education, mortgage satisfaction, and other important financial considerations related to the sanctity of the family. Please visit [http://www.lifecarrierdirect.com] for a quote comparison of all the major A rated life insurance carriers.
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A lot of people have been approached about using life insurance as an investment tool. Do you believe that life insurance is an asset or a liability? I will discuss life insurance which I think is one of the best ways to protect your family. Do you buy term insurance or permanent insurance is the main question that people should consider?
Many people choose term insurance because it is the cheapest and provides the most coverage for a stated period of time such as 5, 10, 15, 20 or 30 years. People are living longer so term insurance may not always be the best investment for everyone. If a person selects the 30 year term option they have the longest period of coverage but that would not be the best for a person in their 20's because if a 25 year old selects the 30 year term policy then at age 55 the term would end. When the person who is 55 years old and is still in great health but still needs life insurance the cost of insurance for a 55 year old can get extremely expensive. Do you buy term and invest the difference? If you are a disciplined investor this could work for you but is it the best way to pass assets to your heirs tax free? If a person dies during the 30 year term period then the beneficiaries would get the face amount tax free. If your investments other than life insurance are passed to beneficiaries, in most cases, the investments will not pass tax free to the beneficiaries. Term insurance is considered temporary insurance and can be beneficial when a person is starting out life. Many term policies have a conversion to a permanent policy if the insured feels the need in the near future,
The next type of policy is whole life insurance. As the policy states it is good for your whole life usually until age 100. This type of policy is being phased out of many life insurance companies. The whole life insurance policy is called permanent life insurance because as long as the premiums are paid the insured will have life insurance until age 100. These policies are the highest priced life insurance policies but they have a guaranteed cash values. When the whole life policy accumulates over time it builds cash value that can be borrowed by the owner. The whole life policy can have substantial cash value after a period of 15 to 20 years and many investors have taken notice of this. After a period of time, (20 years usually), the life whole insurance policy can become paid up which means you now have insurance and don't have to pay anymore and the cash value continues to build. This is a unique part of the whole life policy that other types of insurance cannot be designed to perform. Life insurance should not be sold because of the cash value accumulation but in periods of extreme monetary needs you don't need to borrow from a third party because you can borrow from your life insurance policy in case of an emergency.
In the late 80's and 90's insurance companies sold products called universal life insurance policies which were supposed to provide life insurance for your whole life. The reality is that these types of insurance policies were poorly designed and many lapsed because as interest rates lowered the policies didn't perform well and clients were forced to send additional premiums or the policy lapsed. The universal life policies were a hybrid of term insurance and whole life insurance policies. Some of those policies were tied to the stock market and were called variable universal life insurance policies. My thoughts are variable policies should only be purchased by investors who have a high risk tolerance. When the stock market goes down the policy owner can lose big and be forced to send in additional premiums to cover the losses or your policy would lapse or terminate.
The design of the universal life policy has had a major change for the better in the current years. Universal life policies are permanent policy which range in ages as high as age 120. Many life insurance providers now sell mainly term and universal life policies. Universal life policies now have a target premium which has a guarantee as long as the premiums are paid the policy will not lapse. The newest form of universal life insurance is the indexed universal life policy which has performance tied to the S&P Index, Russell Index and the Dow Jones. In a down market you usually have no gain but you have no losses to the policy either. If the market is up you can have a gain but it is limited. If the index market takes a 30% loss then you have what we call the floor which is 0 which means you have no loss but there is no gain. Some insurers will still give as much as 3% gain added to you policy even in a down market. If the market goes up 30% then you can share in the gain but you are capped so you may only get 6% of the gain and this will depend on the cap rate and the participation rate. The cap rate helps the insurer because they are taking a risk that if the market goes down the insured will not suffer and if the market goes up the insured can share in a percentage of the gains. Indexed universal life policies also have cash values which can be borrowed. The best way to look at the difference in cash values is to have your insurance agent show you illustrations so you can see what fits you investment profile. The index universal life policy has a design which is beneficial to the consumer and the insurer and can be a viable tool in your total investments.
Tom Rawls Jr. CLU, CHFC, RHU, REBC, CASL, CAP is an insurance advisor with over 24 years of experience, who takes the time to understand his clients unique desires and goals. The Whole Life Advisor Insurance Brokerage Team specializes in Life, Disability, Long Term Care, and Annuities
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Life insurance plays a pivotal role in your life and thus it shouldn‘t be overlooked by any chance. It‘ll offer you and your company the stable protection required during this world that‘s constantly changing. Often people think this plan is just too complicated and too costly, however the the fact is it isn‘t so and do not need to need to be. A life insurance policy is really a flexible and powerful tool that could protect you and also your family members and can turn out to be an absolute value for money. So just before ignoring it altogether learn what it may actually do for you personally. The death benefit in an insurance policy can act like the difference amid staying in your own home, to stay a treasured family or offering for advanced schooling or otherwise. All sorts of things when you have something or someone that you wish to guard then it‘s the life insurance policy which will help you in accomplishing the aim no matter your present stage in everyday life.
Discover life insurance and it is typical benefits
Below are a few ways the way in which a life insurance plan may help. These include,
It‘ll protect the longer term of your loved ones by providing income for paying expenses like advanced schooling, look after parents or children, a mortgage and emergency demands which can crop up like the household gets its financial footing
It‘ll protect you along with your relations against financial risks along with your financial commitments and life circumstances changing from time for them to time
It can help you leave a legacy by making extra wealth for you personally and your loved ones, offsetting the estate tax’s impact or perhaps a charity which you wish you support
It‘ll assist in protecting a business in several ways like unlocking your business’s value for the retirement, implementing your succession plans or covering in the loss of a crucial employee
Different other ways during which life insurance cover can help
A life insurance coverage may provide some features and options that will assist in expanding the ways it could be utilized, thereby which makes it a far more powerful and versatile financial resource for example,
Usually there are some policies which have optional riders or benefits which could purchase terminal or chronic illness care expenses
Usually there are some policies that provide features which could assist in preventing the policy against ending prematurely must you become unemployed
A life insurance policy which will build cash value as time passes will allow you in taking supplemental income using this value. This income could be useful for unexpected expenses along with other needs
The optional features of another plans will allow you in covering additional people like your kids or spouse, everything in one policy
With such a lot of benefits under one cover are you continue to thinking?
