Chuck Feeney: Start by Deciding When You Will Give It Away Before You Making It

An article by Roger James Hamilto

Would you give all your money away? If so, where? This is the extraordinary story of Chuck Feeney, who finally achieves his 34 year mission of going from $8 billion to broke this year.

2016 is the year his Foundation gives the last of his money away. In the process, he has become the hero of Bill Gates and Warren Buffett, who said “Chuck has set an example not only for people of my age but also younger generations. He will be an example 100 years from now or 200 years from now.”

“He is my hero. He is Bill Gates’ hero. He should be everybody’s hero.”

Here’s Chuck’s 3 steps to making, and giving away $8 billion.

START BY DECIDING TO GIVE IT AWAY BEFORE YOU MAKE IT

Chuck was born into a poor, Irish family during the Great Depression in 1931. He shovelled snow and sold Christmas cards door-to-door as a kid to make money to take home. While young and in poverty, he read Andrew Carnegie’s classic essay, “The Gospel of Wealth”.

Andrew Carnegie’s essay was a revolutionary call for those who create wealth to live modestly, and to give all their excess wealth to support others while still alive: “Giving while living.”

The words touched him so deeply, Chuck decided at that moment that he would dedicate his life to create wealth to give away, saying “I want the last cheque I write to bounce.”

THEN TRAVEL THE WORLD

As a teenager, Chuck joined the US airforce during the Korean War. He got to see first hand the difficulty servicemen had in getting the products they wanted from home. So he set up a business to import and sell them the goods they wanted. He found a way to sell them without duty, by setting up stores on the air-side of airports and his company, Duty Free Shoppers took off.

Ever bought anything from a DFS shop at an airport? That’s Chuck’s company.

But from the early days, Chuck had already set up his company so that all the proceeds went into his foundation, the Atlantic Philanthropies, so the money the company made could be given away each year. The money has gone into causes around the world in health, education and human rights.

When Chuck sold DFS in 1996, his Foundation took all the money from the sale, and committed to spend everything within 20 years - by 2016. By the time it gives the last of his money away, it will have given away $8 billion.

AND CHUCK IT ALL THE WAY

What about Chuck? Surely he has kept enough aside to live in luxury? Today, at 85 years old, Chuck does not own a home or a car. He still famously wears a watch he bought for $15, and he carries his papers in a plastic bag.

Chuck says “I always tried to live my life as though nothing changed. People would say, 'You can have a Rolls-Royce'. I'd say to that, 'What do I want with a Rolls-Royce when I can have a bike?’"

Instead of measuring his success by his level of money in the bank, he measures it by his level of happiness: “People used to ask me how I got my jollies, and I guess I'm happy when what I'm doing is helping people and unhappy when what I'm doing isn't helping people.”

2016 marks the end of Chuck’s giving, but just the beginning of his legacy. His story inspired Bill Gates to also give all his money away, and to launch the Giving Pledge, which now has 142 of the World’s Billionaires pledging to give the majority of their wealth away while alive - including Richard Branson, Mark Zuckerberg, Elon Musk, Tim Cook, Warren Buffett and many more.

Bill Gates credits Chuck for the new age of giving, saying “Chuck Feeney is a remarkable role model, and the ultimate example of giving while living.”

As you begin another week, how would things change if you were to know everything you make will be given away to a cause far bigger than yourself?

Where would you contribute the money you are yet to make?

How would it change your sense of purpose and determination?

Make that decision now so you can focus at money flowing through you, not to you.

“There’s a limit to what you can get. There’s no limit to what you can give.”

Message to Parents Spoiling Their Kids

Teacher’s Message To Parents Spoiling Their Kids Is Going Viral – And It’s Not Hard To Understand Why. | Newsner http://www.newsner.com/en/2015/09/his-message-to-parents-spoiling-their-kids-is-going-viral-and-its-not-hard-to-understand-why/

Teacher’s Message To Parents Spoiling Their Kids Is Going Viral – And It’s Not Hard To Understand Why.

Jonas Harrysson has worked at a school for close to 16 years. During this time, he’s noticed a stark difference in the way young parents are raising their children.

And he believes that the tendency is clear: today’s parents are spoiling and servicing their children, to the extent that kids must always be entertained and can never be ‘bored’.

Jonas expressed his thoughts in a Facebook post in which he highlighted three major areas he’d like to see parents change the way they raise their kids. In just two days, the post has been shared by close to thousands.

You can read it below, and decide for yourself whether you agree with him or not.

 =========%

I have worked with kids for almost 16 years and there are several things that I’ve noticed children getting worse and worse at.

No.1. Children find it very difficult to be bored! There constantly needs to be something going on.
Please stop spoiling and servicing your children. It’s not dangerous for them to be bored sometimes.

No 2. I’ve met many parents who are soooo proud that their kids can read and count before starting preschool.
Well, I hate to break it to you, but reading and counting, they’ll learn to do soon enough. Teach them instead to play, to be a good friend, and to share.

My third point is that many children find it difficult to show gratitude, both to other kids and towards adults. Can they get an “another one” is unfortunately often a first question – and “we only get one!?” is a common complaint I hear.
What happened to PLEASE!? And thanks for dinner, and thanks for the ride, and so on?

I have no children at the moment, but if I do sometime in the future I plan to teach them to play, to be good friends, to show gratitude and to be bored from time to time. Once they’ve learned those things, then I’ll teach them to read and count:)

After his post went viral, Jonas was interviewed by a local paper. He told them that he believes that spoiling children has quite the opposite effect that parents hope for.

“By spoiling them, we’re doing them a disservice. Children have loads of imagination and we mustn’t destroy it by constantly feeding them with ideas of things to do. They can playing cowboy and Indian with just a stick and a leaf,” he told the paper.

Laporan Ekonomi

1. PERTUMBUHAN KUARTAL I/2016 MEMBAIK Ekonomi Belum Meyakinkan (Bisnis Indonesia)

JAKARTA — Upaya menjaga daya beli masyarakat menjadi isu krusial dalam mengerek pertumbuhan ekonomi. Pada saat bersamaan, belanja pemerintah ternyata belum mampu mengompensasi pertumbuhan ekonomi.

 

Berdasarkan data Badan Pusat Statistik (BPS), laju ekonomi kuartal I/2016 tercatat tumbuh 4,92%, dibandingkan dengan periode sama tahun lalu sebesar 4,73%. Adapun pada kuartal IV/2015, laju ekonomi

tercatat 5,04%. Meski menjadi sumber pertumbuhan ekonomi terbesar, konsumsi rumah tangga pada kuartal pertama tahun ini ternyata pertumbuhannya mentok di level 4,94%, melambat dibandingkan capaian periode yang sama tahun lalu 5,01%.

 

Eric Alexander Sugandi, senior economic analyst Kenta Institute menilai pertumbuhan konsumsi rumah tangga harus menjadi perhatian serius karena terbukti rendahnya inflasi sebagai dampak ikutan dari rendahnya harga energy justru tidak diikuti belanja. “Mungkin kita harus waspada. Ternyata penurunan TDL dan BBM, misalnya, tidak langsung diikuti spending. Artinya, yang golongan menengah-atas pun masih menahan. Ini krusial karena konsumsi swasta masih men-driver PDB.” Ekonom Samuel Asset Mana gement Lana Soelistianingsih berpendapat masih lemahnya konsumsi rumah tangga karena masyarakat

menahan konsumsi untuk persiapan kebutuhan yang lebih besar pada kuartal II dan III. “Rasanya itu akan jadi momentum kenaikan pertumbuhan konsumsi rumah tangga.” Direktur Eksekutif Departemen Komunikasi BI Tirta Segara memproyeksikan konsumsi rumah tangga akan membaik seiring dengan terjaganya inflasi dan meningkatnya ekspektasi pendapatan.

 

DORONG INVESTASI

Sementara itu, investasi yang diharapkan mampu menjadi penopang pertumbuhan ternyata hanya menjadi bantalan anjloknya ekspor.  Kepala Ekonom PT Maybank Indonesia Tbk. Juniman mengatakan janji pemerintah untuk mengeksekusi belanja dengan cepat ternyata tidak terwujud. Padahal, belanja pemerintah dan investasi swasta menjadi kunci pemulihan.

 

Selain memberikan stimulus ke konsumsi rumah tangga, investasi dapat menahan terpuruknya ekspor.

Komponen pemben tuk an modal tetap bruto (PMTB) pada awal tahun ini masih menempati

posisi kedua sumber pertum buhan PDB setelah konsumsi rumah tangga. Namun, persentasenya naik

menjadi 1,79% dari posisi kuartal I/2015 sebesar 1,48%.

 

Deputi Bidang Neraca dan Analisis Statistik BPS Suhariyanto mengatakan ruang untuk pe ningkatan pertumbuhan PMTB masih sangat besar. Menurutnya, kepercayaan investasi swasta dan konsumsi harus dimulai dari belanja pemerintah. “Belanja total enggak ge de-gede amat, tapi dampak psikologisnya,

po sitif bagi pengusaha dan konsumen.” Walaupun meleset dari ekspektasi, Menteri Keuangan Bambang

P.S. Brodjo negoro percaya diri basis growth kuartal I yang sudah lebih tinggi dari tahun lalu membuat potensi pencapaian pertumbuhan lebih tinggi di kuartal berikutnya.

 

Menteri Koordinator Bidang Perekonomian Darmin Nasution pun meyakini pertumbuhan ekonomi pada kuartal II 2016 akan meningkat melebihi capaian kuartal pertama tahun ini. Darmin mengaku tetap optimistis bahwa pertumbuhan perekonomian pada kuartal II tahun ini bisa lebih baik dengan belanja pemerintah khususnya untuk barang modal dan belanja barang tetap sebagai lokomotif utama.

Lana Soelistianingsih memprediksi pertumbuhan ekonomi tahun ini tidak lebih dari 5,12%, di bawah asumsi APBN sebesar 5,3%.

 

KETENAGAKERJAAN

 

1. ANGKATAN KERJA Dominasi Sektor Informal dalam Ketenagakerjaan Naik (Bisnis Indonesia)

JAKARTA-Alih-alih turun, dominasi sektor informal dalam penyerapan tenaga kerja justru semakin meningkat saat jumlah angkatan kerja dan penduduk yang bekerja turun Dalam data keadaan ketenagakerjaan Februari 2016 yang dirilis Ba dan Pusat Statistik (BPS), Rabu (4/5/2016), jumlah angkatan kerja se banyak 127,67 juta orang, turun d i ban dingkan dengan posisi Februari 2015 sebanyak 128,30 juta orang.

Dari jumlah tersebut, penduduk yang bekerja sebanyak 120,65 juta orang, turun dari capaian periode yang sama tahun lalu 120,85 juta orang. Sejalan dengan kondisi itu, jum lah pengangguran pun turun dari 7,45 juta orang menjadi 7,02 juta orang. Di tengah penurunan tersebut, persentase penduduk bekerja yang berada di sektor formal berkurang dari 42,06% menjadi 41,72%. Sementara itu, sektor informal masih mendominasi dengan pergerakan naik dari 57,94% menjadi 58,28%.

M. Sairi Hasbullah, Deputi Bidang Statistik Sosial BPS, mengatakan bahwa kondisi itu memang imbas dari lesunya perekonomian yang merembet ke perlambatan kinerja industri manufaktur. “Antara Februari 2015 hingga Agustus 2015 itu industri anjlok lumayan akhirnya di sektor formal turun. Ya ini berkaitan dengan PHK tahun lalu,” katanya di Jakarta, Rabu (4/5/2016).

Setelah Agustus 2015 hingga Februari 2016 , lanjutnya, terjadi pemulihan ekonomi. Namun, pemulihan tersebut belum sepenuhnya berjalan karena masih ada yang belum terserap kembali ke sektor formal.Akhirnya, mereka masuk ke sektor informal. Apalagi, persentase tingkat pengangguran terbuka (TPT) dari kelompok tamatan universitas naik dari 5,34% menjadi 6,22%.

Persentase tertinggi ada pada tamatan Sekolah Menengah Kejuruan (SMK) dari 9,05% menjadi 9,84%. Sairi mengatakan performa ini me - mang di ka re na kan orang yang berpen didikan rendah cenderung mau menerima pekerjaan apa pun, sementara mereka yang berpendidikan tinggi cenderung memilih pekerjaan yang sesuai.“Selain itu ada juga faktor mismatch antara lulusan SMK dan kebutuhan industri. Jadi tidak cocok antara supply dan demand,” katanya.

FAKTOR INVESTASI

Kendati demikian, pihaknya optimistis akan kembali naiknya penyerapan di sektor formal seiring dengan peningkatan investasi dan perbaikan kondisi ekonomi.Secara sederhana, kegiatan formal dan informal dari penduduk bekerja dapat diidentifikasi dari status pekerjaannya. Dari tujuh kategori status pekerjaan utama, pekerja formal mencakup kategori berusaha dengan dibantu buruh tetap dan kategori buruh/karyawan. Sisanya, masuk ke sektor informal.

Sebelumnya, Deputi Bidang Kemiskinan Ketenagakerjaan dan UMKM Kementerian PPN/ Bappenas Rahma Iryanti mengakui dominasi sektor informal memang tidak terhindarkan karena kinerja perekonomian yang melambat . “Sekadar elastisitas per 1% (pertumbuah ekonomi) menyerap 300.000 tenaga kerja mungkin bisa saja tapi tentu daya serap informal yang memberi kontribusi,” ujarnya.

Rahma berujar pemerintah akan terus berupaya mendorong penyerapan tenaga kerja di sektor formal lewat kebijakan Kredit Usaha Rakyat (KUR) dan memaksimalkan Peraturan Presiden (Perpres) No. 98/2014 tentang Perizinan Untuk Usaha Mikro dan Kecil.Pemerintah menghapuskan semua biaya perizinan untuk UMKM. Pelaku UMKM hanya perlu mengurus izin gangguan (HO) dan izin mendirikan bangunan (IMB) untuk melakukan usahanya sehingga dapat memunculkan
lapangan kerja baru.

Ekonom Institute for Develop ment Economy and Finance (Indef) Enny Sri Hartati mengungkapkan reformasi dan konsistensi penyederhanaan izin harus dlakukan. Selain itu, pemerintah juga harus menjamin ketersediaan akses pasar.Selain itu, dia meminta agar ada program yang berkaitan dengan peningkatan kemampuan (skill) para pekerja. Program itu bisa dilakukan lewat corporate social responsibility (CSR).

UMKM

1. 265 Pusat Usaha Terpadu Siap Dibangun (Bisnis Indonesia)

JAKARTA — Kementerian Koperasi dan Usaha Kecil Menengah bakal membangun 265 Pusat Layanan Usaha Terpadu untuk koperasi dan para pelaku usaha mikro, kecil, dan menengah di seluruh Indonesia hingga 2019.

Saat ini, jumlah Pusat Layanan Usaha Terpadu (PLUT) eksisting baru 42 unit di hampir seluruh provinsi di Indonesia. Dari 34 provinsi, yang belum mempunyai PLUT adalah Sumatera Barat, Sumatera Selatan, Kepulauan Riau, DKI Jakarta, dan Kalimantan Timur.

 

Deputi Bidang Restrukturisasi Usaha Kementerian Koperasi dan Usaha Kecil Menengah (Kemenkop) Yuana Sutyowati Barnas mengatakan tahun ini pihaknya akan membangun tujuh PLUT lagi di beberapa daerah, antara lain Tulungagung, Malang, Lampung, dan Sumba Barat Daya. Dia menerangkan melalui PLUT, UMKM mendapat pelatihan dan pendampingan dalam hal pengembangan bisnis, akses pembiayaan, pemasaran, serta pengenalan teknologi. Pelatihan dan pendampingan tersebut dilakukan oleh konsultan yang ditunjuk pemerintah.

 

INVESTASI

 

1. REALISASI INVESTASI DAERAH Jabar & Jatim Teratas (Bisnis Indonesia)

JAKARTA — Provinsi Jawa Barat menempati peringkat teratas lokasi realisasi investasi triwulan pertama 2016 berdasarkan nilai investasi ataupun penyerapan tenaga kerja. Dari data Badan Koordinasi Penanaman Modal Provinsi Jawa Barat mencatatkan realisasi investasi sebesar Rp 28,6 triliun dan menyerap 55.382 tenaga kerja.

 

Realisasi investasi Jawa Barat ini mengungguli provinsi-provinsi lain di Pulau Jawa. Kepala Badan Koordinasi Penanaman Modal Franky Sibarani menyampaikan bahwa penyerapan tenaga kerja akibat

realisasi investasi yang dalam masa konstruksi di Provinsi Jawa Barat itu merupakan kontribusi dari investasi baik asing maupun dalam negeri. “Untuk penyerapan tenaga kerja PMA Jawa Barat menempati posisi teratas dengan jumlah tenaga kerja yang diserap 42.460 tenaga kerja, sedangkan untuk

PMDN Jawa Barat penyerapannya sebesar 12.922 tenaga kerja di bawah Jawa Timur, Kalimantan Timur, Kalimantan Barat dan Sumatera Selatan," ujarnya dalam keterangan resmi, Selasa (3/5).

 

Menurut Franky, porsi Penanaman Modal Asing (PMA) yang mendominasi berdampak signifikan terhadap peringkat Jawa Barat sebagai tujuan utama investasi di Indonesia. "Kontribusi PMA di Jawa Barat mencapai Rp 22,52 triliun, sedangkan sisanya Rp 6,08 triliun merupakan kontribusi dari Penanaman

Modal Dalam Negeri," paparnya.

 

Franky menyampaikan bahwa dari sisi jumlah proyek, Provinsi Jawa Barat menduduki peringkat kedua dengan total 960 proyek di bawah DKI Jakarta dengan total proyek 1.239 proyek. "Jakarta

memiliki jumlah proyek investasi terbesar diikuti oleh Jawa Barat dan Banten. Jumlah proyek ini penting untuk menunjukkan secara kuantitatif proyek investasi yang direalisasikan di suatu daerah," lanjutnya.

Adapun dari sisi nilai Penanaman Modal Dalam Negeri (PMDN), Provinsi Jawa Timur menduduki peringkat teratas dengan nilai investasi Rp 13 triliun.

 

Posisi Jawa Timur diikuti oleh Provinsi Kalimantan Tengah dengan nilai investasi sebesar Rp 6,3 triliun. "Baru setelah dua provinsi tersebut, Provinsi Jawa Barat menempati posisi ketiga," imbuh Franky. Capaian Jawa Timur tersebut mengungguli provinsi-provinsi lainnya dengan nilai investasi mencapai Rp 13 triliun terdiri dari 196 proyek dan menyerap 23.218 tenaga kerja. Posisi Jawa Timur sebagai peringkat teratas PMDN tersebut mengukuhkan posisi Jawa Timur sebagai pilihan utama investor dalam negeri untuk menempatkan modalnya. Franky Sibarani mengungkapkan bahwa capaian penyerapan tenaga kerja di Jawa Timur melalui sektor PMDN merupakan buah dari kerjasama dan komitmen pemerintah daerah setempat dengan pemerintah pusat. (Bambang Supriyanto).

 

MAKRO EKONOMI

 

1. Wapres Optimistis Pertumbuhan Ekonomi Kuartal II Membaik (Investor Daily)

Jakarta- Wakil Presiden (Wapres) Jusuf Kalla (JK) optimistis pertumbuhan ekonomi kuartal II tahun 2016 akan membaik menembus 5 persen, sebagaimana ditargetkan pemerintah. "Tentu (pertumbuhan ekonomi kuartal I sebesar 4,92 persen) masih di bawah target kita. Tetapi kita akan berusaha kuartal berikut ini bisa memperbesar anggaran dan juga membuka ekonomi lebih baik," kata JK usai membuka Indonesia Investment Week 2016 di JIExpo Kemayoran, Jakarta, Kamis (5/5).

 

Menurut JK, pertumbuhan ekonomi pada kuartal pertama tidak mencapai target karena kondisi pasar agak menurun.Seperti diketahui, Badan Pusat Statistik (BPS) mencatat pertumbuhan ekonomi kuartal I tahun 2016 hanya sebesar 4,92 persen. Pencapaian ini di bawah target Bank Indonesia (BI) yang semula memprediksi pertumbuhan ekonomi Indonesia bisa tumbuh di atas 5 persen.

 

Meskipun di bawah target, Kepala BPS, Suryamin menyatakan pertumbuhan ekonomi kuartal I-2016 masih lebih baik dari kuartal sama tahun lalu yang sebesar 4,73 persen. Jika secara kuartalan pertumbuhan ekonomi di tiga bulan pertama tahun ini mengalami kontraksi atau turun 0,23 persen dibandingkan kuartal IV-2015 yang sebesar 5,04 persen.

 

 

Adversity Quotient

Assalamualaikum.
Re share parenting
by ibu Elly risman
(Senior Psikolog dan Konsultan, UI)

Pernah mencoba membetulkan keran sendiri? Pasang lampu bohlam sendiri?

Ganti ban motor atau mobil yang bocor di jalan? 

Me-lem sesuatu yang sdh terlanjur patah?

Membuka botol kaca yang Allahu akbar sangat susah di buka?

Memasak sambil menggendong anak bahkan di sambil lg dg menaruh pakaian kotor ke mesin cuci?

Menyetrika sambil bicara dg mertua di telfon dan kaki menggoyang2kan bouncer agar bayi tidak bangun dan menangis tanpa henti?

Hidup ini penuh masalah, cobaan, kesulitan, tantangan
dan pekerjaan susah yang kadang mau tidak mau hrs kita jalani.

Di Indonesia enak. Tkg ledeng terjangkau, pembantu ada, supir banyak yang punya.

Yang pernah (atau masih) tinggal di negara maju tahu betul bahwa pelayan dan pelayanan itu diluar jangkauan saku kita pada umumnya.

Laah yang bekerja saja belum tentu bisa membayar mereka, apalagi yang keluar negri nya untuk ngejar S3...

Kita tidak tahu anak kita terlempar di bagian bumi Allah yang mana nanti, izinkan dia belajar menyelesaikan masalahnya sendiri.

Jangan memainkan semua peran, ya jd ibu, ya jd koki, ya jd tkg cuci. Ya jd ayah, ya jadi tukang ledeng, ya jadi pengemudi.

Anda bukan anggota tim SAR, anak anda tidak dalam keadaan bahaya, berhentilah memberikan bantuan bahkan ketika sinyal S.O.S nya tdk ada. Jangan mencoba untuk membantu dan memperbaiki semuanya.

Anak mengeluh sedikit krn itu puzzle tidak bisa nyambung menjadi satu, ‘sini..ayah bantu’. Botol minum ditutup rapatnya sedikit susah, ‘sini.. mama saja’.

Sepatu bertali lama di ikat, sekolah sdh hampir telat ..‘biar ayah aja deh yang kerjain’, kecipratan minyak sedikit ‘sudah sini, kentangnya mama saja yang gorengin’.

Kapan anaknya bisa? Jgn kan di luar negri, di Indonesia saja pembantu sdh semakin langka.

Kalau bala bantuan muncul tanpa adanya bencana, apa yang terjadi ketika bencana benar2 tiba?

Berikan anak-anak kesempatan untuk menemukan solusi mereka sendiri.

Kemampuan menangani stress, menyelesaikan masalah, dan mencari solusi itu keterampilan/skill  yang wajib di miliki.

Yang namanya keterampilan/skill, untuk bisa terampil, ya hrs di latih.

Kalau tanpa latihan, lalu di harapkan simsalabim mereka jadi bisa sendiri??

Kemampuan menyelesaikan masalah dan bertahan dalam kesulitan tanpa menyerah bisa berdampak sampai puluhan tahun ke depan.

Bukan saja bisa membuat seseorang lulus sekolah tinggi, tapi juga lulus melewati ujian badai2 pernikahan dan kehidupannya kelak.

Tampaknya sepele sekarang..secara apalah  salahnya sih kita bantu anak?

Tapi jika anda segera bergegas menyelamatkannya dari segala kesulitannya, dia akan menjadi ringkih .. dan mudah layu.

Susah sedikit... bantuan diminta.
Berantem sedikit ya sdh lah, cerai saja.
Sakit sedikit ngeluhnya luar biasa,
Masalah sedikit... bisa jd gila.

Kalau anda menghabiskan banyak waktu, perhatian dan uang untuk IQnya, habiskan hal yang sama untuk AQ nya juga.

AQ ? Apa itu? Adversity Quotient.

Adversity quotient menurut Paul G. Stoltz dalam bukunya yg berjudul sama, adalah kecerdasan menghadapi kesulitan atau hambatan dan kemampuan bertahan dalam berbagai kesulitan hidup dan tantangan yang dialami. 

Bukannya kecerdasan ini yg jd lebih penting daripada IQ, untuk menghadapi masalah sehari-hari?

Bukankah itu yang di miliki Nabi Nuh sehingga tidak menyerah dalam dakwah beratus tahun lamanya?

Atau Nabi Yusuf yang mengalami banyak cobaan dalam hidupnya?

Dan Nabi Ayyub yang terkenal karena kesabarannya menghadapi masalah?

Dan Rasulullah Muhammad ketika ujian2 menimpa?

Perasaan mampu melewati ujian juga luar biasa nikmatnya. Merasa bisa menyelesaikan masalah, mulai dari yang sederhana sampai yang sulit, membuat diri semakin percaya bahwa meminta tolong hanya dilakukan ketika kita benar2 tdk lagi bisa.

Setelah di coba berkali-kali, berulang-ulang, tdk menyerah dalam waktu yang lama.

So izinkan anak anda melewati kesusahan.

Tidak masalah anak mengalami sedikit luka, sedikit nangis, sedikit kecewa, sedikit telat dan sedikit kehujanan. Akui kesulitan yang sedang dia hadapi,

Tahan lidah, tangan dan hati dari memberikan bantuan, ajari menangani frustrasi.

Kalau anda selalu jadi ibu peri atau guardian angel, apa yang terjadi jika anda tdk bernafas lagi esok hari?

Bisa-bisa anak anda ikut mati.

Sulit memang untuk tidak mengintervensi, ketika melihat anak sendiri susah, sakit dan sedih

Apalagi dg menjadi orangtua, insting pertama adalah melindungi, jadi melatih AQ ini adalah ujian kita sendiri juga sebagai orangtua

Tapi sadarilah hidup penuh dengan ketidakenakan dan masalah akan selalu ada.

Dan mereka harus bisa bertahan. Melewati hujan, badai, dan kesulitan, yang kadang tidak selalu bisa kita hindarkan.

"Permata hanyalah arang... yang bisa melewati tekanan dengan sangat baik"

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An adversity quotient (AQ) is a score that measures the ability of a person to deal with adversities in his or her life. Hence, it is commonly known as the science of resilience. The term was coined by Paul Stoltz in 1997 in his book Adversity Quotient: Turning Obstacles Into Opportunities. To quantify adversity quotient, Stoltz developed an assessment method called the Adversity Response Profile (ARP).

The AQ is one of the probable indicators of a person's success in life and is also primarily useful to predict attitude, mental stress, perseverance, longevity, learning, and response to changes in environment.

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Pengertian Adversity Quotient

Adversity quotient menurut Paul G. Stoltz dalam bukunya adalah kecerdasan menghadapi kesulitan atau hambatan dan kemampuan bertahan dalam berbagai kesulitan hidup dan tantangan yang dialami.

Menurut Markman (2005) memberikan pengertian tentang kecerdasan mengatasi kesulitan sebagai berikut:

Adversity intelligence (AI) is the science of human resilience, people who succesfully apply AI perform optimally in the face of adversity the challenges, big and small, that confront us each day. In fact, they not only learn from these challenges, but they also respond to them better and faster (Peaklearning.com.2005).

Adversity Intelligence (AI) adalah pengetahuan tentang ketahanan individu, individu yang secara maksimal menggunakan kecerdasan ini akan menghasilkan kesuksesan dalam menghadapi tantangan, baik itu besar ataupun kecil dalam kehidupan sehari-hari. Kenyataan mereka tidak hanya belajar dari tantangan, tetapi mereka juga meresponnya secara lebih baik dan lebih cepat.

Menurut Stoltz (1997), definisi Adversity quotient dapat dilihat dalam tiga bentuk, yaitu :

·           Adversity quotient adalah suatu konsep kerangka kerja guna memahami dan meningkatkan semua segi dari kesuksesan

·           Adversity quotient adalah suatu pengukuran tentang bagaimana seseorang berespon terhadap kesulitan.

·           Adversity quotient merupakan alat yang didasarkan pada pengetahuan sains untuk meningkatkan kemampuan seseorang dalam berespon terhadap kesulitan.

Dari uraian diatas dapat disimpulkan bahwa
Adversity quotient adalah kemampuan seseorang dalam menghadapi berbagai kesulitan di berbagai aspek kehidupannya. Melalui Adversity quotient dapat diketahui seberapa jauh individu tersebut mampu bertahan dalam menghadapi kesulitan yang dialami, sekaligus kemampuannya untuk mengatasi kesulitan tersebut. Adversity quotient juga dapat ,meramalkan siapa yang akan tampil sebagai pemenang dan siapa yang akan putus asa dalam ketidakberdayaan sebagai pecundang. Selain itu, Adversity quotient dapat pula meramalkan siapa yang akan menyerah dan siapa yang aan bertahan saat menghadapi suatu kesulitan.

Dalam konsep Adversity quotient, hidup diumpamakan sebagai suatu pendakian. Kesuksesan adalah sejauh mana individu terus maju dan menanjak, terus berkembang sepanjang hidupnya meskkipun berbagai kesulitan dan hambatan menjadi penghalang (Stoltz, 1997). Peran Adversity quotient sangat penting dalam mencapai tujuan hidup atau mempertahankan visi seseorang, Adversity quotient digunakan untuk membantu individu memperkuat kemampuan dan ketekunannya dalam menghadapi tantangan hidup sehari-hari, sambil berpegang pada prinsip dan impian yang mejadi tujuan

The Future Industry

☆☆ Future Business & Industries ☆☆

In 1998, Kodak had 170,000 employees and sold 85% of all photo paper worldwide.

Within just a few years, their business model disappeared and they got bankrupt.

What happened to Kodak will happen in a lot of industries in the next 10 year - and most people don't see it coming.

Did you think in 1998 that 3 years later you would never take pictures on paper film again?

Yet digital cameras were invented in 1975.

The first ones only had 10,000 pixels, but followed Moore's law.

So as with all exponential technologies, it was a disappointment for a long time, before it became way superior and got mainstream in only a few short years.

It will now happen with Artificial Intelligence, Health, Autonomous and Electric Cars, Education, 3D Printing, Agriculture and Jobs.

Welcome to the 4th Industrial Revolution.
Welcome to the Exponential Age.

Software will disrupt most traditional industries in the next 5 - 10 years.

Uber is just a software tool, they don't own any cars, and are now the biggest taxi company in the world.

Airbnb is now the biggest hotel company in the world, although they don't own any properties.

Artificial Intelligence:

Computers become exponentially better in understanding the world.

This year, a computer beat the best Go player in the world, 10 years earlier than expected.

In the US, young lawyers already don't get jobs.
Because of IBM Watson, you can get legal advice (so far for more or less basic stuff) within seconds, with 90% accuracy compared with 70% accuracy when done by humans.
So if you study law, stop immediately.
There will be 90% less laywyers in the future, only specialists will remain.

Watson already helps nurses diagnosing cancer, 4 time more accurate than human nurses.

Facebook now has a pattern recognition software that can recognize faces better than humans.

In 2030, computers will become more intelligent than humans.

Autonomous cars:

In 2018 the first self driving cars will appear for the public.

Around 2020, the complete industry will start to be disrupted.

You don't want to own a car anymore.
You will call a car with your phone, it will show up at your location and drive you to your destination.
You will not need to park it, you only pay for the driven distance and can be productive while driving.
Our kids will never get a driver's licence and will never own a car.

It will change the cities, because we will need 90-95% less cars for that.
We can transform former parking space into parks.

1,2 million people die each year in car accidents worldwide.
We now have one accident every 100,000 km, with autonomous driving that will drop to one accident in 10 million km.
That will save a million lifes each year.

Most car companies might become bankrupt.
Traditional car companies try the evolutionary approach and just build a better car, while tech companies (Tesla, Apple, Google) will do the revolutionary approach and build a computer on wheels.

I spoke to a lot of engineers from Volkswagen and Audi; they are completely terrified of Tesla.

Insurance companies will have massive trouble because without accidents, the insurance will become 100x cheaper.

Their car insurance business model will disappear.

Real estate will change. Because if you can work while you commute, people will move further away to live in a more beautiful neighborhood.

Electric cars will become mainstream until 2020.
Cities will be less noisy because all cars will run on electric.

Electricity will become incredibly cheap and clean:

Solar production has been on an exponential curve for 30 years, but you can only now see the impact.

Last year, more solar energy was installed worldwide than fossil.
The price for solar will drop so much that all coal companies will be out of business by 2025.

With cheap electricity comes cheap and abundant water.
Desalination now only needs 2 kWh per cubic meter.
We don't have scarce water in most places, we only have scarce drinking water.

Imagine what will be possible if anyone can have as much clean water as he wants, for nearly no cost.

Health:

The Tricorder X price will be announced this year.
There will be companies which will build a medical device (called the "Tricorder" from Star Trek) that works with your phone, which takes your retina scan, your blood sample and you breath into it.

It then analyses 54 biomarkers that will identify nearly any disease.
It will be cheap, so in a few years everyone on this planet will have access to world class medicine, nearly for free.

3D printing:

The price of the cheapest 3D printer came down from 18,000 $ to 400 $ within 10 years.
In the same time, it became 100 times faster.

All major shoe companies started 3D printing shoes.

Spare airplane parts are already 3D printed in remote airports.

The space station now has a printer that eliminates the need for the large amount of spare parts they used to have in the past.

At the end of this year, new smartphones will have 3D scanning possibilities.
You can then 3D scan your feet and print your perfect shoe at home.

In China, they already 3D printed a complete 6-storey office building.

By 2027, 10% of everything that's being produced will be 3D printed.

Business opportunities:

If you think of a niche you want to go in, ask yourself: "in the future, do you think we will have that?" and if the answer is yes, how can you make that happen sooner?

If it doesn't work with your phone, forget the idea.
And any idea designed for success in the 20th century is doomed to failure in the 21st century.

Work:

70-80% of jobs will disappear in the next 20 years.

There will be a lot of new jobs, but it is not clear if there will be enough new jobs in such a small time.

Agriculture:

There will be a 100 $ agricultural robot in the future.

Farmers in 3rd world countries can then become managers of their field instead of working all days on their fields.

Aeroponics will need much less water.

The first petri dish produced veal is now available and will be cheaper than cow produced veal in 2018.

Right now, 30% of all agricultural surfaces is used for cows.
Imagine if we don't need that space anymore.

There are several startups who will bring insect protein to the market shortly.
It contains more protein than meat.
It will be labeled as "alternative protein source" (because most people still reject the idea of eating insects).

There is an app called "moodies" which can already tell in which mood you are.

Until 2020 there will be apps that can tell by your facial expressions if you are lying.

Imagine a political debate where it's being displayed when they are telling the truth and when not.

Bitcoin will become mainstream this year and might even become the default reserve currency.

Longevity:

Right now, the average life span increases by 3 months per year.

Four years ago, the life span used to be 79 years, now it's 80 years.

The increase itself is increasing and by 2036, there will be more that one year increase per year.

So we all might live for a long long time, probably way more than 100.

Education:

The cheapest smartphones are already at 10 $ in Africa and Asia.

Until 2020, 70% of all humans will own a smartphone.

That means, everyone has the same access to world class education.
Every child can use Khan academy for everything a child learns at school in First World countries.

We have already released our software in Indonesia and will release it in Arabic, Suaheli and Chinese this summer, because we see an enormous potential.

We will give the English app for free, so that children in Africa can become fluent in English within half a year.

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What Are The $10+ Billion Big Industries Of The Future?

Answer by Balaji Viswanathan, Founder of Belimitless.co, on Quora,

Sharing Economy: There are 100s of things that we have, but don’t use it all the time (home, car, office, bike). Sharing economy refers to someone else using it while you are not using. This is already a billion dollar industry (led by AirBnb). However, we have not seen the biggest yet and could easily be 10s of billions. I have booked 50+ days with Flightcar (renting someone else’s car while they are on travel), and I can see potential. There are 100s of segments of this industry that are emerging (such as AirEnvy and Homejoy). Things like research labs will be a part of this economy.

Electric cars: Tesla has finally started to produce a more sustainable electric car model. However, we have a long way to go in revolutionzing battery technology, distribution stations, and creating automobiles. Most likely, this will be a repacement industry.

Internet of Things: Our computers are all networked and we are able to communicate through them. Then came mobile phones that soon got networked. How about networking all the other things that we use? NEST is a recent big acqusition by Google that makes a networked thermostats. What if your Oven & Refrigerator can directly get the recipe from your friend and make a nice Cheesecake? Gartner estimates that 26 billion devices will be ready for networking by 2020. That means each one of our homes might have 25-30 such devices speaking to one another.

3d Printing: 30 years ago, printing on paper was only limited to big printing presses. Unless you were a big company, printing was not really convenient for you and had to rely on copying places. Then printers came on your desktop – revolutionizing document management significantly. The same is likely to apply in the 3D world. Right now manufacturing is limited to big factories. The 3D revolution will create a range of secondary industries, enabling completely new applications.

Smart cities: Google is making cars driverless. Alums from my college are making trash cans smart (they will compact the garbage as you throw). Our sewage systems are getting smart. In the future, a lot of boring jobs will be done by a network of smart robots.

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10 Businesses That Will Boom in 2020

To zero in on fields with plenty of jobs and good pay, start planning now.

By Rick Newman Sep 10, 2012

+ More

The most successful people tend to be lifelong learners who develop new skills long after they graduate from college or complete a training program. In fact, building multiple skill sets—such as analytical expertise combined with a liberal-arts background, or scientific knowledge with a law degree—can be a terrific way to differentiate yourself in a cluttered job market. Plus, the most lasting skills are often those that can be transferred from one field to another, as the economy ebbs and flows. 

But you have to anchor your career somewhere, so here are 10 fields that are likely to flourish in 2020:

1. Data crunching. The era of big data is just getting started, with many firms eager to tap vast new databases to gather more info on their customers, their competitors, and even themselves. The challenge isn't just crunching numbers; it's making sense of them, and gaining useful insights that can be translated into a business edge. Marketing and market research are two growing fields where the use of data is exploding.

2. Counseling and therapy. There's now widespread recognition that mental health is as important as physical health, which is likely to increase demand for professionals in this field. The BLS expects the need for marriage and family therapists, as one example, to grow 41 percent by 2020.

3. Scientific research. New technology will continue to generate breakthroughs in medicine, manufacturing, transportation, and many other fields, which means there will be strong demand for workers schooled in biology, chemistry, math, and engineering. Some areas that show particular promise: biotechnology and biomedicine, nanotechnology, robotics, and 3D printing, which allows the manufacture of physical products from a digital data file.

4. Computer engineering. A lot of software development is done overseas these days, but the need for high-level computer experts able to tie systems together is still strong. In finance and investing, for instance, high-speed computing is increasingly a prime competitive advantage. And most big companies will need networks that are faster, more seamless, and more secure.

5. Veterinarians. Pets are more popular than ever, and some of them get medical care that's practically fit for a human. The BLS expects the need for vets to rise 36 percent by 2020.

6. Environmental and conservation science. Making better use of the planet's resources will be essential as population growth strains existing infrastructure. Green energy, despite some political controversy, still seems likely to boom. Developers need more efficient ways to heat and cool buildings. And dealing with global warming may require new technology not even on the drawing board yet.

7. Some healthcare fields. It's well-known that the aging of the baby boomers will require more caregivers in many specialties. Some healthcare jobstend to be low-paying, with a lot of workers flocking to what are supposed to be "recession-proof" fields. And the need to lower overall healthcare costs could pinch some doctors, hospital workers, and diagnosticians. But demand should be strong for nurses, optometrists, audiologists, dentists, physical therapists, and some doctor specialists.

8. Management. The boss earns a lot for good reason: His job isn't as easy as it might seem. Effective management in the future will require basic business knowledge plus the ability to oversee operations in many locations and countries, and some technical know-how. Anybody who can improve a unit's performance while lowering costs should rise quickly. The BLS and IBISWorld also expect growing demand for some support fields such as human relations, benefits administration, and event planning.

9. Finance. The movement and management of money is technically complex, and integral to most companies. Plus, nontraditional investing firms such as hedge funds and private-equity firms are likely to grow as the traditional banking sector complies with new regulations and reins in risk-taking. That means there will be more need for finance experts. There may even be a shortage as students once interested in finance veer into other fields, turned off by the 2008 financial crisis and the vilification of banks.

10. Entrepreneurship. It's often overlooked, but the need for innovators running their own businesses could be more important than ever in 2020. Forecasters expect strong growth in traditional businesses such as used-car dealers, hair and nail salons, pet grooming, and office services, which means anybody able to come up with better, cheaper ways to serve customers will reap a windfall. Technology startups will no doubt keep changing the way consumers work and live. And nobody really knows what the next iPad, Twitter, or Pinterest will be—except, perhaps, some entrepreneur who's dreaming about it right now. He or she may have a bigger impact on life in 2020 than anything the forecasters see coming.

Rick Newman is the author ofRebounders: How Winners Pivot From Setback To Success. Follow him on Twitter: @rickjnewman