istilah akuntansi dalam bahasa inggris

* ACTUAL AMOUNT = Jumlah sesungguhnya
* ACTUAL COST ( arti islilahnya ) Biaya sesungguhnya
* ACTUAL FACTORY OVERHEAD = Beban overhead sesungguhnya
* ACTUAL LIABILITY=Hutang nyata
* ACTUAL PRICE= Harga sesungguhnya
* ACTUAL QUANTITY = Kwalitas sesungguhnya
* ADJUSTED BALANCE = Saldo setelah penyesuaian
* ADJUSTED TRIAL BALANCE = Neraca saldo penyesuaian
* ADJUSTING ENTRIES = Ayat jurnal penyesuaian
* ADDITIONAL COST ( istilahnya ) Biaya tambahan
* ADVANCE FROM CUSTOMER = Uang muka langganan
* ADVANCE ACCOUNTING = Akuntansi lanjutan
* ADVERTISING EXPENSE = Biaya iklan
* ADVERSE OPINION = Pendapatan tidak wajar
* Allowance for inventory decline to market = Cadangan penurunan nilai persediaan
* ALLOWANCE METHOD ( artinya ) Metode cadangan
* ALLOWANCE ACCOUNT = Perkiraan cadangan
* ALLOWANCE FOR BAD DEBT = Cadangan piutang tak tertagih
* ALLOWANCE FOR DOUBT FULL ACCOUNT = Cadangan pitang ragu-ragu
* ALLOWANCE FOR OVERVALUATION OF BRANCH MERCHANDISE = Cadangan kenaikan harga barang cabang
* AMORTIZATION = Penyusutan atas harta tak berwujud
* APPLIED FACTORY OVERHEAD COST = Biaya overhead yang dibebankan
* ANNUAL REPORT ( istilah ) Laporan tahunan
* ASSET ( istilah ) Harta
* ASSET APPROACH = Pendekatan aktifa

* ACCOUNT = Perkiraan
* ACCOUNT RECEIVABLE = Piutang Dagang
* ACCOUNT FROM = Bentuk Perkiraan
* ACCOUNT NOT CURRENT = Pos-pos yang tidak lancar
* ACCOUNT PAYABLE = Hutang Lancar
* ACCOUNT PAYABLE LEDGER= Buku besar hutang
* ACCOUNT RECEIVABLE STATEMENT= Dartar piutang usaha
* Account Payable Subsidiary Ledger = Buku tambahan piutang
* ACCOUNTANT = Akuntan
* ACCOUNTANT FEE EXPENSE = Biaya akuntan
* ACCOUNTANT PUBLIC = Akuntan publik
* ACCOUNTING = Akuntasi
* ACCOUNTING ASSUMPTION = Asumsi akuntansi
* ACCOUNTING CYCLE = Sirklus akuntansi
* ACCOUNTING DATA = Data akuntansi
* ACCOUNTING DEPARTMENT = Departemen akuntansi
* ACCOUNTING EQUATION = Persaman akuntansi
* ACCOUNTING INCOME = Laba akuntansi
* ACCOUNTING INFORMATION = Informasi akuntansi
* ACCOUNTING INSTRUCTION = Intruksi akuntansi
* ACCOUNTING MANAGEMENT = Manajement akuntansi
* ACCOUNTING METHOD = Metode akuntansi
* ACCOUNTING PERIOD = Periode akuntansi
* ACCOUNTING PRINCIPLE = Akuntansi dasar
* ACCOUNTING PROCEDURE = Prosedur akuntansi
* ACCOUNTING RESPONSIBILITY = Akuntansi pertanggung jawaban
* ACCOUNTING SYSTEM = Sistem akuntansi
* ACCOUNTS INTER COMPANY = Rekening antar perusahan
* ACCRUED EXPENSE = Biaya yang akan di bayar
* ACCRUED EXPENSE PAYABLE = Beban terhutang
* ACCRUED PAYROLL PAYABLE = Utang gaji
* ACCRUED INTERS PAYABLE = Bunga terhutang
* ACCRUED REVENUE = Pendapatan yang akan diterima
* ACCRUED TAX PAYABLE = Hutang pajak
* ACCRUED WAGES PAYABLE = Upah terhutang
* ACCUMULATED DEPLETION = Akumulasi deplesi
* ACCUMULATED DEPRECIATION = Akumulasi penyusutan
* ASSET ACCOUNT = Perkiranan harta
* AUDIT FEE = Pendapatan audit
* ASSUME = Asumsi
* AUDIT EXPENSE = Biaya audit
* AUDIT PROGRAMME = Program pemeriksaan
* AUDIT PROCESS = Proses pemeriksaan
* AUDIT PLANNING = Rencana pereiksaan
* AUDITOR ( islilahnya ) Pemerikasa keuangan
* AUDITING = Pemeriksaan keuangan
* AVERAGE METHOD = Metode rata-rata


* BALANCE SHEET ( arti istilahnya ) Neraca
* BALANCE PER BANK = Saldo menurut bank
* BALANCE PER BOOK = Saldo menurut buku
* BALANCE SHEET ACCOUNT = Perkiraan neraca
* BALANCE AMOUNT = keseimbangan jumlah
* BANK PAYABLE = Hutang bank
* BALANCE BEFORE LIQUIDATION = Saldo sebelum likuidasi
* BANK RECONCILIATION = Reconsiliasi bank
* BANK SERVICE CHARGE = Bedan administrasi bank
* BANK STATEMENT = Rekening koran
* BIN CARD ( artinya ) Kartu gudang
* BASIC FINANCIAL STATEMENT = Laporan keuangan pokok
* BEGINNING BALANCE = Saldo awal
* BETTERMENT = Perbaikan
* BOOK VALUE = Nilai buku
* BOOK VALUE OF ASSET = Nilai buku aktifa
* BOOK VALUE PER SHARE = Nilai buku per saham
* BRANCH ( istilah akuntansi ) Cabang
* BRANCH MERCHANDISE = Barang dagangan cabang
* BRANCH PROFIT = Keuntungan cabang
* BREAK EVENT = Pulang pokok
* BREAK EVEN PIONT = Titik pulang pokok
* BREAK EVEN SALES = Penjualan pulang pokok
* BUDGET ( arti istilahnya ) Anggaran
* BUDGET VARIANCE = Selisih anggaran
* BUDGET FLEXIBLE = Anggaran flexsibel
* BUDGET FIXED = Anggaran tetap
* BUDGET CYCLE = Siklus Anggaran
* BUDGET BALANCE SHEET = Anggaran neraca
* BY PRODUCT = Produksi sampingan
* BUILDING ( istilahnya ) Gedung
* BUSINESS ENTITY = Kesatuan usaha

* CAPITAL ( info intilah ) Modal
* CAPITAL STATEMENT = Laporan perubahan modal
* CAPITAL STOCK = Modal saham
* CASH = Kas
* CASH BUDGET = Anggaran kas
* CASH COUNT = Perhitungan kas
* CASH DISBURSEMENT JOURNAL = Jurnal pengeluaran kas
* CASH DISCOUNT = Potongan yang diberikan atas pembayaran tunai
* CASH FLOW ( info intilahnya ) Alur kas
* CASH FLOW CYCLE = Siklus alur kas
* CASH IN BANK = Kas dalam bank/kas di bank
* CASH ON HAND = Kas di tangan
* CASH IN TRANSIT = Kas dalam perjalanan
* CASH PAYMENT JOURNAL = Buku kas pengeluaran
* CASH RECEIPT JOURNAL = Buku kas penerimaan
* CASH SALES = Penjualan tunai
* CLOSING ENTRIES = Ayat jurnal penutup
* COST = Biaya
* COST ACCOUNTING = Akuntansi biaya
* COST OF GOODS AVAIBLE FOR SALES = Harga pokok barang tersedia untuk dijual
* COST OF GOODS MANUFACTURED = Harga pokok produksi
* COST OF SOLD = Harga pokok barang yang di jual
* CURRENCY = Mata uang
* CURRENCY ASSET = Harta lancar
* CURRENCY LIABILITIES = Hutang jangka pendek

* DEBIT NOTE = Nota debet
* DEBIT BALANCE = saldo debet
* DEDUCTION = Pengurangan
* DEFECTIVE GOODS = Produk rusak
* DEFERRED GROS PROFIT ON REALIZATION = Laba kotar yang belum direalisasikan
* DELIVERY EXPENSE = Biaya pengankutan
* DEPOSIT SLIP = Bukti setoran
* DEPRECIATION = Penyusutan
* DEPRECIATION EXPENSE = Biaya penusutan
* DETERMINING DEPRECIATION = Penetapan penyusutan
* DIRECT COSTING = Penetapan biaya langsung
* DIRECT DEPARTMENT OVERHEAD EXPENSE = Beban/biaya overhead departemen lansungMiring
* DIRECT EXPENSE = Biaya langsung
* DIRECT LABOR COST BUTGET = Biaya anggaran buruh langsung
* DIRECT TAXES = Pajak langsung
* DIRECT WRITE OFF = Penghapusan langsung
* DISCOUNT = Potngan ( harga )
* DISSOLUTION = Pembubaran
* DIVIDEND STOCK = Deviden saham
* DOUBLE ENTRY SYSTEM = Sistem pembukuan berpasangan
* DRAFT ( info ) = Wesel
* DUE DATE = Tanggal jatuh tempo

* EARNED = Pendapatan
* EARNING AFTER INTEREST AND TAXES = Pendapatan sesudah bunga dan pajak
* EARNING AFTER TAX = Pendapatan sesudah pajak
* ECONOMIC LIFE = Umur ekomoni
* ECONOMIC ORDER QUANTITY = Jumlah pembelian optimal
* EMERGENCY WORKING CAPITAL = Modal kerja darurat
* EMPLOYEE EARNING STATEMENT = Laporan gaji karyawan
* END OF MONTH TRIAL BALANCE = Daftar saldo akhir bulan
* ENDING BALANCE = Saldo akhir
* ENDING INVENTORY = Persediaan akhir
* ENTERTAIMENT EXPENSE = Biaya entertain
* ENTRY = Ayat
* EQUIPMENT = Peralatan
* EQUITIES = Kekayaan
* EQUITY IH INCOME OF SUBSIDIARY COMPANY = Laba atas anak perusahaan
* ESTIMATE VALUE = Nilai taksir
* ESTIMATED GROSS PROVIT = Taksiran laba kotor
* EVIDENCE = Bukti-bukti
* EXCEPT = Pengecualian
* EXCESS OF COST OVER BOOK VALUE OF SUBSIDIARY INTEREST = Selisih lebih harga pokok di atas nilai buku
* EXCESS VALUE = Nilai lebih
* EXCHANGE RATE = Nilai tukar
* EXPECTED ACTUAL CAPACITY = Kapasitas yang sesungguhnya di harapkan
* EXPECTED RATE OF RETURN = Tingkat pengembalian yang diinginkan
* EXPIRED = Kadarluasa
* EXPENSE = Biaya
* EXTERNAL AUDIT = Pemeriksaan ekternal
* EXTRA ORDINARY GAIN = pembelajan yang luar biasa
* EXTRA ORDINARY LOSS = Kerugian yang luar biasa
* EXTRA ORDINARY REPAIRS = Perbaikan luar biasa
* EXTRA ORDINARY RETIREMENT = Penarikan aktiva sebab luar biasa


# Fiscal Year = Tahun pajak
# Fixed asset subsidiary ledge = Buku tambahan harta tetap
# Fixed asset turnover = Perputaran harta tetap
# Fixed capital asset = Modal kerja tetap
# Fixed cast = Biaya tetap
# Fixed efficency variance = Penyimpangan effisiensi yang tetap
# Fixed factory overhead = Overhead pabrik yang tetap
# Flexible budget = Anggaran yang berubah-ubah
# Floor = Batasan bawah
# Flow of cost = Aliran biaya
# Flow of document = Peredaran dokumen
# Flow of funds = Aliran dana
# Flow of work = Peredaran kerja
# Flowchart = Daftar aliran
# Fluctualing method = Metode fluktuasi
# Fluctuating fund = Dana berubah-ubah
# Foot note = Catatan kaki
# Forecast balance sheet = Ramalan neraca
# Forecast income statement = Taksiran rugi laba
# Form = Formulir
# Four collumn ccount = Jurnal empat kolom
# Fraud = kecurangan
# Freight in = Ongkos angkut pembelian
# Freight on material purchasas = Beban angkut pembelian bahan
# Freight out = Ongkos angkut penjualan
# Funds = Dana
# Funds statement = Laporan sumber dan pengunan dana
# Furniture & fixture = Peralatan
# Fusion = Penggabungan


* General Accounting = Aukuntansi Umum
* General Ledger = Buku besar
* General Journal = Jurnal umum
* General And Administrative Expense = Biaya umum dan administrasi
* General Examination = Pemeriksaan umum
* General Assigment = Penegasan umum
* Government financial = Keuangan penerintah
* Government accunting = Akuntansi pemerintah
* Gross loss = Rugi kotor
* Gross Profit Laba kotor
* Gross Profit Analysist = Analisa laba kotor
* Gross provfi metho = Metode laba kotor
* Gross Profit on sales = Laba kotor atas penjualan
* Gross Working Capital = modal kerja kotor
* Group Code = Kode kelompok
* Go Publik Compony = Perusahan yang menjual saham ke masyarakat


* Heating and lighting expense = Biaya pemanasan dan penerangan
* Hidden Reserves = Cadangan rahasia
* Historical cost Accounting = Harga perolehan historis
* Historical cost = Biaya Historis
* Home office = kantor pusat
* Horizon Analyst = Analisa mendatar
* Human Resource Accounting = Akuntansi sumber daya manusia
* Income = laba
* Income After Tax = Laba sesudah pajak
* Income From Joint Venture = Laba usaha patungan
* Income From Operation = Laba usaha
* Income Sharing Agreement = Persetujuan penbagian laba
* Income Statement = Laporan rugi laba
* Income Statement Account = Pendekatan laba rugi
* Income Summary = iktiar rugi laba
* Incremental cost = Biaya tambahan
* Independent Auditor Report = Laporan pemeriksaan bebas
* Indirect Expense = Biaya tak langsung
* Indirect Departemental Expense = Biaya departemen tak langung
* Indirect factory cost = Biaya pabrik tak langsung
* Indirect Labor = Tenaga kerja tak langsung
* Inderect Material = Bahan baku tak langsung
* Indirect Operatiing Expense = Biaya usaha tak langsung
* Individual Priprietorship = perusahan perorangan
* Inflation = Inflansi
* Information = informasi
* Information System = Sistem informasi


* Initial Inventory = Persediaan awal
* Initial Audit = Pemeriksaan awal/pertama kali
* Input Tax = Pajak masukan
* Installation Cost = Biaya instalasi atau pemasangan
* Installment = Angguran atau cicilan
* Installment Contract Receivable = Piutang penjualan cicilan
* Installment Method = Metode cicilan
* Installment Payable = Hutang cicilan
* Installment Term Debt = Utang jangka menengah
* Insurance Expense General = Biaya asuransi unum
* Insurance expense selling = Biaya asuransi penjualan
* Intagible Asset = Aktiva tak berwujud
* Intangible Fixed Assets = Aktiva tetap tak berwujud
* Intercompany Loans = Pinjaman antar perusahan
* Interest = Bunga
* Interest Baering Note = Wesel berbunga
* Interest Expense = Biaya bunga
* Interest Factor = Faktor bunga
* Interest Income = Pendapatan bunga
* Interest ayable = Hutang bunga
* Interest Receivable = Piutang bunga
* Interim Statement = Laporan sementara
* Internal Audit = Pemeriksan Intern
* Internal Auditor = Pemeriksan internal
* Internal Control = Pengawasan internal
* Internal Control Questioary = Pertanyaan pengendalian Intern
* Internal Finacing = Pembiayan internal
* Inventory = Persediaan
* Inventory of Material = Persediaan Bahan Mentah
* Inventory Trun Over = Perputaran persediaan
* Inventory Valuation = Penilaian Persediaan
* Invesment In Fund = Investasi dalam dana
* Invesment In Bond = Investasi dalam obligasi
* Invesment In Joint Venture = Investasi dalam usaha patungan
* Invesment In Land = Investasi dalam bentuk tanah
* Invesment In life Insurance = Investasi dalam bentuk asuransi jiwa
* Invesment In Stock = Investasi saham
* Investor = Orang yang menanamkan modal
* Invoice = Faktur

* Job order cost = Biaya pesanan
* Job order cost sheet = Kartu biaya pesanan
* Job order cost system = Sistem biaya pesanan
* Job time ticket = Kartu jam kerja
* Joint cost = Biaya gabungan
* Joint cost of capital = Biaya penggunan modal bersama
* Joint product = Produksi gabungan
* Joint venture = Usaha patungan
* Joint venture books = buku-buku usaha patungan
* Journal = Buku harian
* Journal entry = Ayat-ayat jurnal
* Journalizing = menjurnal/ penjurnalan
* Judgment sample = Sampel pertimbangan

# Labor = Tenaga kerja
# Labor budget = Anggaran tenaga kerja
# Labor cost = biaya tenaga kerja
# Labor cost control = pengendalian biaya tenaga kerja
# Labor cost report = Laporan biaya tenaga kerja
# Labor efficiency ratio = Rasio effiensi tenaga kerja
# Labor efficiency stasndar = Standar effisinsi tenaga kerja
# Labor efficiency Variance = Selisih effiensi upah
# Labor Fringe benefit = Pendapatan yang diterima tenaga kerja
# Labor performance report = Laporan pelaksanan kerja
# labor rate variance = Penyimpangan tarif tenaga kerja
# Land = Tanah
# Land right = Hak atas tanah
# Last in first out ( LIFO ) = Masuk pertamakeluar pertama
# Lease = Sewa
# Lease agreement = Kontrak sewa guna
# Leaseing = Sewa guna
# Ledger = Buku besar
# Legal capital = Modal resmi
# Lessee = Pihak yang menyewakan guna barang
# Lessor = Pihak yang menyewa guna barang
# letter of comments = Surat komentar
# Letter of transmettal = Surat penyerangan
# Liabilities = Kewajiban
# Limited liabilty = Tanggung jawab terbatas
# Liquidating deviden = Deviden likiudasi
# liquidity = Kemampunan bayar hutang jangka pendek
# Long from report = Laporan akuntansi betuk panjang
# Long run proof = Pengecekan jangka panjang
# Long term debets = Utang jangka panjang
# long term debet to equity ratio = Rasio utang jangka panjang terhadap modal sendiri
# Long term investment = Investasi jangka panjang
# Long term liabilities = Hutang jangka panjang
# Loss = rugi
# loss from operation = Rugi usaha
# Loss on realization = Realisasi kerugian
# Loss on reduction of inventory = Rugi penurunan nilai persdiaan
# Loss on repossession = Rugi penarikan kembali
# loss on sale of invesment = Rugi penjualan investasi
# Loss on trade in = Rugi pertukaran
# Loss unit = Unit yang hilang
# Lower cost or market = Harga beli atau harga pasar yang lebih rendah
# Lumsump purchase = Pembelian secara bulat

# Machine = Mesin
# Maintenance Cost = Biaya pemeliharana
# Maintenance Departement Butget = Anggaran departeman pemeliharan
# Maintenance Expense = Biaya pemeliharan
# Management Accounting = Akuntansi manjemen
# Management Advisory Service = Pelayanan Konsultasi perusahan
# Management Audit = Pemeriksaan manajemen
# Management By Exception = Manjemen dengan pengecualian
# Manufacturer = Pabrikan
# Manufacturing Company = Perusahan pabrikan
# Manufacturing Cost = Biaya pabrikasi
# Manufacturing Overhead = Overhead pabrik
# Markdown cancellation = Pembatalan penurunan harga
# Market Rate = Harga pasar
# market Value = Harga pasar
# Market Value At Split Off = Harga jual pada titik pisah
# Market Value Of Rights = Harga jual hak beli saham
# Market Value Of Stock Ex Right = Harga pasar saham tampa hak beli saham

# Marketable securities = surat berharga
# Marketing = Pemasaran
# Marketing Department = Departemen pemasaran
# Marketing Expense = Biaya pemasaran
# Markup Cancellation = Pembatalan kenaikan harga
# Matching Cost With revenue = Penetapan pendapatan dan biaya
# Material = Bahan baku
# Material Account = Perkiraan bahan baku
# Material in Control = pengendalian bahan baku
# Material in Process = Bahan baku dalam proses
# Material ledger = Buku besar bahan baku
# Material Ledger Card = Kartu bahan baku
# Material Mix Variance = Selisih komposisi bahan
# Material Price variance = Penyimpangan harga bahan baku
# Material Usage prince Variance = Sesilsih harga pemakainan bahan
# Material Yield Variance = Selisih hasil bahan
# Material Requisition = Permintaan bahan baku
# Medical Expense = Biaya pengobatan
# Merchandise Inventory = Persediaan barang dagangan
# Merchandise Inventory Turnover = Perputaran persedian barang dagangan
# Merchandise Shipment on Consigment = Pengiriman barang konsinyasi
# Merchandise Company = Perusahan Dagang
# Mixed Account = Rekening campuran
# Mixed Opinion = Pendapat Campuran
# Mortgage Bond = Obligasi Hipotik
# Mortgage Payable = Hutang hipotik
# Moving Average = Rata rata bergerak

* National Association of Accounting = Asosiasi akuntan nasional
* Natural Bussiness year = Tahun bisnis alami
* Negative Assurance = Jaminan negatif
* Net Asset = Aktifa bersih
* Net earning =Pendapatan bersih
* Net Income = Keuntungan bersih
* Net Income After Tax = Keuntungan bersih setelah pajak
* Net Loss = Kerugian bersih
* Net Profit = Laba bersih
* Net Purchase = Pembelian bersih
* Net Realizable Value Nilai bersih yang dapat direalisasikan
* Net Sales = Penjualan bersih
* Net Worth = Kekayan bersih
* Nominal Accounts = Perkiraan nominal
* Nominal Value = Nilai nominal
* Normal Balance= istilah = Saldo normal
* Not Sufficient Fund = Dana tidak mencukupi
* Note Payable = Wesel bayar
* Note Receivable = Wesel tagih
* Note of Financial Statement = Catatan atas laporan keuangan
* Notice of Employment = Surat perjanjian kerja.


* Observation of Inventory = Pengamatan persediaan
* Observation Of Inventory Taking = Pengamatan perhitungan persediaan
* Occupancy Cost = Biaya pendiaman atau penetapan
* Office Equipment = Peralatan kantor
* Office Salaries Expense = Biaya gaji bagian kantor
* Office Supplies = perlengkapan kantor
* Office Supplies Expense = Biaya perlengkapan kantor
* One Time Voucher procedure = Prosedur pembuatan voucher sekaligus
* One Write System = Sistem sekali tulis
* Open Item Statement = surat pernyatan elemen-elemen terbuka
* Operating Assets = Akifa atau modal oprasi
* Operating Expense = Biaya usaha
* Operating Sales Budget = Anggaran operasional penjualan
* Operating Transaction = Transaksi operasional
* Opinion = Pendapat
* Opportunity Cost = Biaya kesempataan
* Ordering Cost = Biaya Pesanan
* Ordinary Repair = Reperasi luar biasa
* Organization Chart = Stuktur Ogranisasi
* Other General Expense = Biaya umum lainya
* Other Longterm Liabilities = Hutang jangka panjang lainnya
* Out Of Pocket Cost = Biaya kantong sendiri
* Out Tax = Pajak keluaran
* Outlay = Pengeluaran
* Outstanding check = Cek beredar
* Out standing Stock = Saham yang beredar
* Over Time = Lembur
* Over All Cost Of Capital = Biaya penggunan modal Rata-rata
* Over Applied Factory Overhead = Kelebihan aplikasi overhead pabrik
* Over draft = Kelebihan penarikan
* Over Stated = Terlalu tinggi
* Owners Equity = Modal pemilik
* Ownership Right = Hak pemilik perusahan.


# Partner in Charge = Partner utama
# Partnership =Persekutuan
# Payable = Hutang
# Payable to Defaulting Sub souder = Hutang kepada pemesanan saham
# Payment = pembayaran
# Percentage Depletion = Deplesi persentase
# Perferred St0ck holder = Pemegang saham istimewa
# Performence Report = Laporan pelaksanaan
# Premium =Agio
# Premium of Prepered Stock = agio Saham preferen
# Premium on Bonds Payable = Agio olbigasi
# Premium on stock = Agoi saham
# Prepaid Advertising = Iklan dibayar dimuka
# Prepaid expense = Biaya dibayar dimuka
# Prepaid Insurance = Asuransi dibayar dimuka
# prepaid Transportation = Transportation sewa dibayar dimuka
# Prepayment = pembayaran dimuka
# Price Index = Indek harga
# Primary working capital = Modal kerja perimer
# Process Cost = Biaya proses
# Profssional Fess = pendapatan profesional
# Profit = laba
# Proforma = Proyeksi
# Progress Billing to Costomer = harga kontrak yang difakturkan
# Property = Kekayan
# Property Tax = Pajak keayaan
# Purchase = pembelian
# Purchase Discount = Potongan pembelian
# Purchase Invoice = Faktur pembelian
# Purchase journal = Buku harian pembelian
# Purchase Method = Metode pembelian
# Purchase order =Pesanan pembelian
# Purchase Requistion = Permintaan pembelian

# Qualified Opinion = Pendapat wajar tanpa syarat
# Quick Ratio = Ratio aktiva tunai

* R & D Cost = Biaya riset dan pengembangan
* Rate of Return = Tingkat pengembalian
* Rate of Return on Net Worth = Rentabilitas modal sendiri
* Ratio Analysist = analsa ratio
* Ratio of Plant Asset to Long term Liability = Perbandingan harga tetap dengan hutang jangka panjang.
* Raw Material = Bahan mentah
* Raw Material Investory = Persedianan bahan mentah
* Raw Material Price Variance = Penyimpangan harga bahan mentah
* Realized Gross profit On Installment Sales = Realiasai laba kotor
* Re Arrangement = penyusunan kembali
* Receivable = Piutang
* Receivable Collection Budget =Budget pengumpulan piutang
* Receivable Trun Over = Perputaran piutang
* Receivable Write Off = Penghapusan piutang
* Receiving Account = Laporan penerimaan barang
* Reciprocal Account = Perkiraan berlawanan
* Recovable From Insurance Companies = Piutang kepada asuransi
* Redemption of bound = Penghentian obligasi
* Redemption value = Nilai penarikan
* Refference = Petunjuk
* Registered Bonds = Daftar obligasi
* Related Partty transaction = Transaksi dengan pihak yang mempunyai hubungan yang istimewa



* Sefety Stock = Persediaan bersih
* Safe Harbor Rule = Aturan perlindungan
* Saleries Allowance = Tunjangan gaji
* Salary Expense = Beban gaji
* Sale On Account = Penjualan kredit
* Sales = Penjualan
* Sales Budget = Anggran penjualan
* Sales Discount = Potongan penjualan
* Sales Invoice = Faktur penjualan
* Sales Journal = Buku harian penjualan
* Sales Mix Variance = Selesih komposisi
* Sales order = Order penjualan
* Sales Return = Retur penjualan
* Sales Salaries Expense = Biaya gaji bagian penjualan
* Sale Salaries Payable = Hutang gaji bagian penjualan
* Sales Tax = Pajak penjualan
* Salvage value = Nilai sisa
* Sample Risk = Resiko penarikan contoh
* Schedule Of Account Payable = Daftar hutang
* Schedule Of Account Receivable = Daftar piutang
* Schedule Of Factory overhead = Daftar overhead pabrik
* Scrap Value = Nilai barang sisa
* Seasonal Working Capital = Modal kerja musiman
* Secured Bond = Obligasi yang dijamin
* Selling Expense = Biaya penjualan
* Semifixed Cost = Biaya semi tetap
* Separable Cost = Biaya tambahan
* Separation Report = Laporan pemberhentian
* Service Firm = Perusahan Jasa
* Set Up Cost = Biaya Pesanan
* Share holder = Pemegang saham
* Shipment On Installment sales = Pengiriman barang cicilan
* Short Form Report = Laporan akuntansi bentuk pendek
* Shut Down Point = Titik penutupan usaha
* Significant = Penting cukup berarti
* Simple Average Of Cost = Metode rata-rata sederhana
* Single Bookkeeping = Tata buku tunggal
* Single entery System = Sistem Pembukuan tunggal
* Single step = Langkah tunggal
* Sinking Fund = Dana pelunasan / dana pembayaran
* Slush Fund = Dana taktis
* Social Benefit = Manfaat sosial
* Sole Proprietorship = Persahan perseorangan
* Sound Value = Nilai sehat

# T Account = Perkiraan bentuk T
# Tangible Asset = Harta berwujud
# Tangible Fixed Asset = Aktiva tetap berwujud
# Tax Acoounting = Akuntansi perpajakan
# Tax Deduction = Pengurangan Pajak
# Tax Invoice = Faktur pajak
# Tax Return Statement = Surat pemberitahuan pajak
# Taxable Firm = Pengusaha kena pajak
# Taxable Income = Pendapatan kena pajak
# Taxes Expense = Biaya pajak
# Taxes Holiday = Pembebasan pajak
# Taxes payable = Hutang pajak
# Taxes Rate = Tarif pajak
# Taxes Return = Pajak yang dikembalikan
# Temporary Investment = Investasi sementara
# Temporary Proprietorship = Perkiraan pemilikan sementara
# Tender Offer = Penawaran dagang
# Term Compliance = UJi ketaatan
# The old & New Balance Proof = Pengecekan saldo awal dan akhir
# Theoritical Capacity = Kapasitas secara teoritis
# Three Variance Method = Metode tiga penyimpangan
# Tickmarks = Tanda pemeriksaan
# Time Value of Money = Nilai waktu dari pada uang
# Timing Diffrence = Perbedaan waktu
# To Compare = Membandingkan
# To Trace = Menelusuri
# Total Asset Turn Over = Perputaran total harta
# Total Asset To Debts Ratio = Ratio aktifa terhadap utang
# Tracks = Taksiran
# Trade Discounts = Potongan perdagangan
# Trande In = Tukar tambah
# Trade Mark = Merk Dagang
# Traveling Expense = Biaya perjalan
# Treasurer = Pejabat keuangan
# Treasury Bill = Surat hutang jangka panjang
# Treasury Departement = Departemen keuangan
# Trent Analyst = Analysa pengembangan dari waktu ke waktu
# Trial Balance = Neraca saldo
# Trouble Debt Restructuring = Penataan kembali utang yang macet
# Trust Fund = Dana perwakilan
# Turn Over = Perputaran
# Two bin System = Sistem dua bin
# Two collumn Account = Perkiraan dua kolom
# Two collumn Journal = Dua kolom jurnal
# Two Variance Method = Metode dua penyimpangan

* Unadjusted Trial Balance : Neraca percobaan yang belum disesuaikan
* Unearned Income : Sewa diterima dimuka
* Uncertainties : Ketidak pastian
* Uncollectible Account : Beban penghapusan puitang
* Uncollectible Account Receivable : Beban penghapusan piutang
* Under Applied Overhead : Overhead yang dibebankan terlalu rendah
* Unearned Revenue : Pendapatan diterima dimuka
* Unemployment Tax : Pajak pengurangan
* Unexpired : Belum kadaluwarsa
* Unfavorable Variance : Selisih merugikan
* Uniformity : Keseragaman
* Unissued Capital stock : Modal saham yang belum beredar
* Unit Cost : Harga perunit
* Unit Equivalent : Unit setara
* Unit Of Output Depreciation : Penyusutan dengan jumlah unut keluaran
* Unit Product Cost : Biaya unit produksi
* Unit Profit Graph : Grafik laba perunit
* Unit Still In Process : Unit dalam Proses
* Unlimited Liabilities : Kewajiban tak terbatas
* Unqualied Opinion : Pendapatan Wajar
* Unvoidable Cost : Biaya yang terhindarkan
* Useful Life : Masa Pengunaan

# Valuation Account : Perkiraan pernilaian
# Value : Nilai
# Value Added : Nilai tambah
# Value Added Tax : Pajak Pertambahan Nilai
# Value In Use : Nilai pengurangan
# Variable Cost : Biaya variabel
# Variable Cost Ratio : Rasio biaya Variabel
# Variable Efficiency Variance : Penyimpangan effisiensi biaya variabel
# Variance Analysist : Analisa selisih
# Variance Analysist Report : Laporan analisa penyimpangan
# Verability : Daya uji
# Vertical Analysist : Analisa Vertical
# Volume Variance : Penyimpangan dalam isi
# Vouching : Biaya upah
# Voucher Register : Pemeriksaan dokumen dasar
# Voucher : Dokumen
# Voluntary Contribution : Simpanan sukarela


* Working Capital : Modal kerja
* Working In Process : Barang dalam proses
* Working In Process Inventory : Persediaan barang dalam proses
* Wages Expense : Pemeriksaan dokumen dasar
* Wages Rate : Biaya upah
* Wages And Taxes Statement : Laporan upah dan pajak
* Working Paper For Consolidated Balance Sheet : Neraca lajur untuk neraca konsolidasi
* Weighted Average : Metode rata-rata terimbang
* Weighted Average Method : Metode rata-rata terimbang
* working sheet : Neraca Lajur
* Working Paper : Kertas kerja
* Write Off : Dihapuskan
* Write Off Method : Metode penghapusan

SMART PARENTING SERIES

1. Bagamana menghasilkan anak yang bermoral
2. Awal yan benar
3. Sentuhan Kasih
4. Mandat untuk ayah
5. Hati Nurani Anak
6. Menghormati Otoritas dan Orang
7. Menghormati Orang yang lebih tua
8. Menghormati Sebaya, Kepemilikan dan alam
9. Prinsip ketaatan.
10. Disiplin dengan dorongan semangat.
11. Disiplin dengan koreksi.
12. Konsekuensi dan Hukuman.
13. Pertobatan, Pengampunan dan Pemulihan
14. Isu Disiplin (bagian satu)
15. Isu Disiplin (bagian dua)
16. Proses Naik Banding
17. Membangun Keluarga Sehat

Tempat-tempat service

ACCER

• Mangga Dua Square Blok A1-2 Jakarta - 14420 (021) 2650-7777 -
• Jl. Gunung Sahari Raya No 1

ADVANTE

• Jl. KH Zinul Arifin Np. 13A (021) 6331-924
• Komp. THR Lokasari Blok C 34-39 (021) 6253-258
• Jl. Mangga Besar Raya (021) 6263-329

AKARI

• Jakarta (021) 612-0207
• (021) 769-4406

ARCHOS

• CONCEPT 2 (021) 386-3102
• Jl. Tanah abang II No.49 & 51 Lt.1, Petojo Selatan Jakarta Pusat - 10160.

AUX AUX INDONESIA

• (021) 645-5116/17/18 -Jakarta

BROTHER

•  Wisma 46 - Kota BNI, 22nd (021) 574-4477 (021) 574-9830 Fl. Suite 22. 04/05
• Jl. Jend. Sudirman Kav. 1, Jakarta 10220

CANON

• Perkantoran Agung Sedayu Blok D No. 17 (021) 625-3258 Jl. Mangga Dua Raya - Jakarta Utara (021) 621-0858
• Jl. Angkasa No. 18 BD Jakarta Pusat (021) 25686, 0811811167

CASIO PT. KASINDO GRAHA KENCANA

• (021) 3858318 - Casio Center Jl. Ir. H. Juanda No. 11A

CHANGHONG

• Jl. Mangga Dua Raya - Jakarta 10730 (021) 612-6288 - Komp. Agung Sedayu Permai Blok J/39-40 Jakarta - 10730

CKE

• Jakarta (021) 6599-322 (021) 6597-087, (021) 6597-012

COSMOS

• Jakarta (021) 6293-474 (021) 5579-2321, (021) 5439-6631

CREATIVE

• Ruko bahan Bangunan Blok H2 No. 19 (021 ) 600-0029 (021) 600-0028 Jakarta 10730

DAIKIN

• Jl Rajawali Ujung No. 1-2 (021) 460-1778 (021) 460-1780
• Kawasan Industri Pulogadung (021) 460-1779

DAST

• PT. Asia Electric Industries (021) 4600-137 (021) 4600-139
• Jl. Puloayang II / 12 – Kawasan Industri (021) 4610001
• Pulo Gadung - Jakarta Timur 13930

ELBA PT. ARINDO CITRA GRAHA - -

• Jl. Balikpapan No. 2 C-D Jakarta - 10130

ELECTROLUX

• Jl. Rasuna Said Kav. X-6 No. 8 Jakarta 124940 (021) 522-7180 (021)522-15161
• Sparepart Centre (Jakarta) (021) 888-61-926 (021) 888-61-920

GENERAL

• PT. PLANET ELECTRINDO (021) 461-0001 (021) 461-0002 Jl. Rawa Gatel III/ S– 34 Kawasan Industri Pulo Gadung, Kel. Jati Negara Kec. Cakung - Jakarta Timur 13930

GRUNDFOS

•  Jl. Rawa Sumur III Blok III CC. 1 (021) 4695-1900 (021) 4606-901 Kawasan Industri Pulogadung, Jakarta 13930. (021) 4606-909

GENERAL ELECTRIC

• PT. SINAR ANUGRAH PERKASA (021) 601-8046 (021)639-1570 Jl. Pangeran Jayakarta 115 Blok A1 (021) 601-8053 Jakarta Pusat 10042

GREE

•  Jl. Mandala Utara Raya No. 20 (021) 564-4426/27/23 (021) 565-8865 Jakarta 11440 Indonesia

HELES

• Jl. Kapt. P. Tendean no. 45A H II - Jakarta selatan - 12790

HITACHI

• Gedung Wisma Slipi lantai 12 (021) 530-7211 (021) 548-1883 Jl. Let.Jend. S. Parman Kav. 12 - Jakarta

IDEALIFE

• Gedung Wisma Slipi lantai 12 (021) 530-7211 (021) 548-1883 Jl. Let.Jend. S. Parman Kav. 12- Jakarta 08888330430

JVC

• Jl. Letjen S. Parman Kav. 91 (021) 566-8220 (021) 566-8219 Gedung Gapura Mas Lt. Dasar (021) 566-8225

KARCE

• Galeri Niaga Mediterania (021) 588-2858 - Pantai Indah Kapuk Blok B No. 8i Jakarta Utara - 14460

KDK

• Jl. Tomang Raya No. 70 Lt. 4 (021) 563-8311 (021 564-4369Jakarta - 11430

KENWOOD

• PT. SOERJO FADJAR (021) 600-6615 (021) 625-1834 PINTJOE BUILDING 1st. Floor (021) 625-1829 Jl. Gajah Mada No. 162C - Jakarta 11130

KIRIN

• PT. ADITYA SARANA GRAHA (021) 422-6888 (021) 422-9866 Jl. Percetakan Negara C 533 Jakarta Pusat - 10560 (021) 422-8881 (021) 422-9890

KODAK

• Komplek Graha Kencana Blok EN - ED (021) 5366-0787 (021) 549-4049 Jl. Perjuangan No. 88 Kebun Jeruk Jakarta Barat - 11530

LG

• Jl. Panglima Polim Raya No. 69 (021) 6386-7369 (021) 724-7738 Jakarta Selatan - 12160 (021) 6386-7370

MAEDA

• Jl. KH Hasyim Ashari A2 No. 31 (021) 6386-3711 (021) 6386-3431 Jakarta Pusat - 10150 (021) 6386-3513

MASPION

• Jl. Agung Utara I Blok A2 No. 38 (021) 6583-7051 (021)645-0519 Sunter Agung Podomoro, Jakarta Utara - 14350 (021) 6450-518

MAYAKA

• (021) 4682-6932 - (021) 4682-6933

MITSHUBISHI

• Proyek Duta Pertiwi (021) 601-8229 (021) 612-2696
• Jl. Mangga Dua Raya Blok C 6/3 - Jakarta (021) 601-1920 (021) 601-9907

MIYAKO

• (021) 532-3772 (021) 533-3339

MODENA

•  Jl. TB. Simatupang No.8 (021) 2996-9550 Pasar Rebo - Jakarta Timur

NAKAI

• Ruko Tekstil Blok C 2 No. 25 (021) 6128-331 - Jl. Mangga Dua Raya (021) 4682-262

NEXTBASE

• CONCEPT 2 (021) 386-3102 Jl. Tanah abang II No.49 & 51 Lt.1, Petojo Selatan Jakarta Pusat - 10160.

NIKON

• Mangga Dua Square Blok H No. 1-2 (021) 6231-2600 (021) 6231-2666 Jl. Gungung Sahari Raya, Jakarta - 14430

OKION

• Mangga Dua Mall Lt. 3 No. 15A (021) 8230-3699 -

OLYMPUS

• Ratu Plaza Lt.3 No.39 (021) 7207-527
• Jl. Jend. Sudirman Kav. 9 - Jakarta
• Jl. Gunung Sahari Raya No.78 Lt.3 – Jakarta (021) 4256-438

OXONE

•  PD. OCTA UTAMA (021) 924-3396 - Komp. Duta Harapan Indah Blok KK – 78 (021) 920-7006 Kapuk Muara – Jakarta Utara

PANASONIC

• Jl. Dewi Sartika (Cawang II) Jakarta 13630 (021) 800-9494 (021) 801-1118
• Jl. Radio Dalam Raya No. 47 B-C (021) 727-92050 (021) 723-6656 Pondok Indah - Jakarta Selatan

PANATEL

• Sunter Paradise Timur Raya (021) 640-9151 - Blok F 21 No. 37 (021 633-7831
• Gajah Mada Plaza Ground Floor No. 38

PHILIPS

• PT. Gading Sari Elektronika (021) 913-1424 (021) 381-3988 Jl. Tanah Abang 1 No. 12Q - Jakarta Pusat (021) 924-9295
• ITC Kuningan Lt. 4 Blok D3 No.3A (021) 5793-5380 - ALAT RUMAH TANGGA (021) 566-4790 - (021) 690-2728

PIONEER

• Komplek Glodok Blok A No. 9 Jl. Pinangsia Raya (021) 639-6609 - (021) 639-0508

POLYTRON

• Jl. KS tubun II No.6 Slipi - Jakarta 11410 (021) 548-0808 -

RINNAI

• Jl. Raya Pejuangan 21 No. 9 (021) 533-1484 - Komp. Ruko Sastra Graha (021) 533-1485 Kebon Jeruk, Jakarta Barat (021) 533-1453

SAMSUNG

• JL. Tomang Raya No. 1 Tomang - Jakarta Barat (021) 5699-7777 (021) 5694-2525
• Ruko ITC Roxy Mas Blok B1 No. 9 (021) 6385-8088 (021) 6385-8089 Jl. Hasyim Ashari - Jakarta Pusat

SANKEN

• Jl. Pluit Raya No. 19 Blok B7 (021)6669-1234 - Jakarta Utara - 14440 (021) 662-6487

SANYO

•  Jl. Wahid Hasyim No. 12A (021) 3193-6779 (021) 3900-172 Jakarta - 10150 (021)3193-6858

SAHITEL

• Gedung Sastra Graha Lt. 3 Kav 21 (021) 2567-5345 (021)5323-688 Kebon Jeruk Jakarta Barat 11530

SEIKO

• Lantai Dasar No. 115-116 (021) 345-2335 - Gd. Harco Pasar Baru - Jakarta Pusat

SEKAI

• Jl. KH Hasyim Ashari No. 35A (021) 632-3325 - Jakarta - 10150

SHARP

• PT . SHARP INDONESIA 0800-122-3355 (021) 624-1139 Jl. Pinangsia Timur No. 20 Jakarta

SHIMIZU

• Kebon Jeruk (Jakarta) (021) 533-1484 / 85 - (021) 533 3337
• Kelapa Gading (Jakarta) (021) 458 51139

SHINYOKU

• Jl. Pangeran Jayakarta 85 AD – AE, Jakpus - PO. BOX 8878 JKT 11100.

SIMBADDA

• PT. BHAKTI SENTOSA RAYA 021 - 6252545 - Jl. Pinangsia III No. 23 (Sebelah Glodok)

SONY

•  PT. SONY INDONESIA (021) 552-1528 -
• Sentra Mulia Building (021) 573-0925
• Jl. H Rasuna Said Kav. X-6 No. 8 (021) 5797-3620

SONY ERICSSON

• Jakarta (021) 2701-388

SPECTRA

• Jl. Gunung Sahari Raya 3A – Jakarta 10610 (021) 426-3390 -

TCL

• Pangeran Jayakarta Komp. 117 B. 40-42 (021) 849-0990 -

TODACHI

• Komplek Ruko Pinangsia Blok H 56-57 (021) 551-0505 (021) 552-8284 Karawaci - Tangerang 0800-1-401-137

TOSHIBA

• Jl. Kali Besar Barat 50 (021) 6915-236 (02) 6915-240 Jakarta Barat 11230 (021) 6923-412

WASSER

•  Jakarta (021) 426-333 -

Istilah Investor-Trader

Sebaiknya hanya sebagian kecil dari modal saja yang kita gunakan untuk trading. Walaupun dana yang digunakan kecil, trading memberikan peluang keuntungan yang sangat besar dari puluhan bahkan ratusan persen setahun asalkan kita melakukannya "secara benar".
Peluang keuntungan yang besar tersebut dimungkinkan karena trading dapat dilaksanakan didalam segala kondisi pasar baik kondisi bearish, kondisi bullish maupun kondisi sideways dengan memanfaatkan fluktuasi harga dalam setiap kondisi.
Trader juga melihat rentang waktunya dibagi dalam beberapa kategori, antara lain:
Scalper melakukan trading puluhan sampai ratusan kali sehari yang dimungkinkan dalam abad teknologi ini. Dia mencari untung yang kecil tapi sering.
Intraday trader yang melakukan trading di hari itu juga. Baik scalper maupun intraday setiap sore "pasti" mengosongkan posisinya.

• Day trader melakukan trading dalam hitungan 1 atau dua hari.
• Swing trader memegang posisi dalam hitungan hari sampai 2 minggu.
• Momentum trader melakukannya 1-6 bulan.
• Investor, kita anggap memegang posisi lebih dari 6 bulan.

Trading digunakan sebagai cara untuk mencari penghasilan (income) sedangkan investing adalah cara untuk melipatgandakan kekayaan (growth investing, value investing). Hanya sebagian kecil dari modal anda yang boleh digunakan untuk trading. Selebihnya harus dipakai untuk investing seperti di reksadana misalnya.

Menghilangkan tahi lalat

• Gunakan kapur sirih 
• ditempelkan pada tahi lalat,
• Ulangi terus setiap hari sampai tahi lalat kering dan copot sendiri.

Posisi tahi lalat

First, check your face for any moles, and then look at the diagram above to identify the number(s) that are a closest match to the moles on your face. Usually, the moles only hold meaning for you if they are prominent and they are the only one. If your face if full of spots, acne or "little" moles, they do not count. When you've ascertained which position corresponds to the mole on your face, look up the meanings listed by numbers below.

Position 1 to 3
As a child, you are somewhat rebellious and a free spirit. You have an innate creativity and work best when you are given a free hand. Generally, your superiors like your avante garde approach to life. If you have a mole here, you are far better off in business and being your own boss rather than working for somebody. What is promising is that you have the luck to be your own boss.

Position 4
You are an impulsive person, often acting with a flamboyance that gives you charisma and a sparkling personality, but you can be difficult when there are too many opinions. You tend to be rather argumentative, but never to the point of holding grudges. This mole tends to give you an explosive temper and should you decide to remove it, you will find yourself becoming calmer and more at peace with the world.

Position 5
A mole above the eyebrow indicates that there is wealth luck in your life, but you will need to earn it and work harder than most people. All the income you make must be carefully kept as there are people who are jealous of you who might attempt to sweet talk you into parting with your wealth. Be wary of those who try to interest you in get-rich-quick schemes. If you have a mole here, it is advisable not to be too trusting of others. Follow your instincts and be cautious. And never allow other people to control your finances.

Position 6
A mole here indicates intelligence, creativity and skill as an artist. Your artistic talent can bring you wealth, fame and success. It also indicates wealth luck, but this can only be fully realized if you follow your heart rather than stick to conventional means of making a living. Success will come if you are brave.

Position 7
Moles under the eyebrows indicate arguments within the extended family that cause you grief and unhappiness. This will affect your work and livelihood. It is advisable to settle any differences you have with your relatives if you want peace of mind to move ahead.

Position 8
This is not a very good position for a mole. Your financial position will constantly be under strain because of a tendency to overspend. You also have a penchant for gambling. The only thing is you must know when to stop. Meanwhile, someone with a mole here has a tendency to flirt with members of the opposite sex as well as with the same sex. Better be a little discerning where you exert your charms, or you might get into trouble.

Position 9
This mole position suggests sexual and other problems. It is an unfortunate mole and you are well advised to get rid of it. It brings a litany of woes and a parade of problems.

Position 10
A mole here just under the nose indicates excellent descendants luck. You are surrounded by family at all times and will have many children and grandchildren. You have the support of those close to you and will be both materially and emotionally fulfilled.

Position 11
Moles here suggest a tendency to succumb to illness. It is a good idea to have this mole removed especially if it is a large, dark-coloured mole. Otherwise use lots of foundation to cover it.

Position 12
A mole here foretells a successful but also a very balanced life. You are likely to be not just rich, but famous as well. But although you have every opportunity to live the high life, you will have a satisfying home and family life as well. Women with moles here are particularly lucky and tend to be beautiful and glamourous as well.

Position 13
Your children will be a big worry in your life. Your relationship with them is not good. There is nothing much you can do about this except to learn some tolerance.

Position 14
A mole here suggests a vulnerability to food which can be a big problem in your life. You may have allergies against certain foods or you may simply be eating too much.

Position 15
You are a person always on the move and constantly renovating and redesigning your house. You like to be introduced to new things and see new places. You are not happy if you remain in one place for long. You enjoy travel and adventure, and have a very observant eye.

Position 16
You need to be careful when it comes to eating, and also when it comes to your sex life. These are your two biggest problems. You tend to have weight issues which can make you depressed. You enjoy romance, sometimes with more than one person, but because you are a person with some morality, you will feel guilty about it and this will cause you much stress.

Position 17
You will be someone of great social prominence. You are active on the social scene and an excellent conversationalist. There is a tendency to become bigheaded about your success, which could lose you your good name. This will affect you deeply because you draw your confidence and self worth from what others think of you.

Position 18
You are a person always on the move. There is a great deal of overseas travel in your life, but you should take extra care each time you cross the great waters, as your mole prefers you to stay at home.

Position 19
You have money luck and many good friends, so this is a good mole to have. Your weakness is that you tend to succumb to the charms of the opposite sex. In your life, it is this that could get you into hot water, so do cool your ardour!

Position 20
A mole here can be very lucky or very unlucky. If you have a mole here, you are destined either for extreme fame or infamy. You have great flair for creativity and are also highly intelligent, but your talents can be used for both good and bad. You are not a person to be trifled with for you are no pushover and do not forgive and forget easily. This mole is a mark of someone who will go down in history either as a great or as a tyrant.

Position 21
This is a good mole, as it suggests plenty to eat and drink throughout your life. This mole also brings fame and recognition.

Position 22
Your life is always happy and things go smoothly for you. You could well become a sports superstar if you have the passion for it. Moles at the end of eyebrows also suggest a person of authority and power, so if you are the CEO of a company, you will do very well.

Position 23
You have a high IQ, and you are both brain smart and street smart. You have a highly-developed survival instinct and will lead a meaningful and long life. You will be active until a very old age and will have friends and family around you till the very end.

Position 24
You will achieve fame and fortune in your young age and you are advised to use this period to safeguard your old age, as people with moles here tend to have a harderlife as they get older.

Position 25
You will enjoy good prosperity and recognition luck, but do be careful of excesses. Stay traditional in your attitudes and you will have a long and fruitful life.

Urus IMB

Saya urus IMB di Jakarta Utara dengan proses normal, dari seminggu awal puasa baru ditelp orang kecamatan tadi siang. (hampir 2 bulan ya?).
Sebenarnya urus tetek bengeknya ada di postingan lama.

Saya coba ulang:

A. Proses utk IMB (utk bangunan dibawah 200m2) :

1. Datang ke SUDIN P2B di Kecamatan sesuai lokasi tanah/rumah
2. Beli & isi formulir permohonan IMB + meterai 6000
3. Lampirkan :
   - FC KTP
   - FC pembayaran PBB terakhir, bawa juga SPPTnya.
   - FC sertipikat
   - FC akte jual beli (saya tidak pakai)
   - Peta /gambar tata kota. (urus ke bagian tata kota, ada juga di kecamatan). Kalo normal biasanya 1 minggu, ada orang yg datang ke rumah untuk ngukur tanah. Biaya sih ga sampai 100 ribu (luas dibawah 200m)
   - Gambar teknik bangunan yang akan didirikan (biasa disebut dengan blue print)-sesuai arahan member dulu, bikinnya sama orang kecamatan aja, dijamin langsung diapprove. Biaya sekitar 300 rb. Saya malah minta luas bangunan tidak lebih dari 100 meter supaya distribusinya tidak mahal. Rp 500/m.
   - Surat persetujuan tetangga kiri, kanan & belakang g. optional (saya tidak pakai)
   - FC IMB lama (utk IMB renovasi)
4. Bayar retribusi sesuai dengan perhitungan (ada baiknya tanyakan aturan detilnya), bisa dicek ke http://dppb.jakarta.go.id/data/imb.htm . Intinya ada retribusi satuan bangunan (dihitung permeter), retribusi pengawasan bangunan dan retribusi bangunan tambahan.(ga ngerti, tp bisa dilihat dari gambar kavling dari tatakota) jangan lupa minta kuitansi/tanda terima.
5. IMB terbit sekitar 10 hari kerja setelah di-submit

Untuk jelasnya sebaiknya bapak baca papan pengumuman yg ada di loket pembuatan IMB. Di situ lengkap ada tata cara dan perhitungan biayanya.
Kecuali yg retribusi bangunan tambahah itu. Jangan lupa minta bukti pembayaran.untuk segala jenis pembayaran.

Satu lagi, Pak. Kalo mau pakai cara normal bapak harus sabar. Jangan minta buru2. Saya sih ga ada yg nawarin macem2, karena saya pakai "seragam". Biaya IMB 300ribu plus tata kota habis 100ribu kurang. Biaya jasa bikin blue print 300rb. Semua normal, cuma kudu sabar. Untung saya ga buru2 mau renov rumah.Tinggal ambil IMB plus papannya. Ga tahu nih, ada yg berani minta duit buat papannya ga, karena setahu saja sih sudah termasuk biaya IMB.

Perpanjang STNK

Persiapan di rumah:

• siapkan pulpen.
• BPKB asli + fotocopy 1X BPKB (yg romawi I & romawi II aja) dijadikan 1 lembar.
• STNK asli + fotocopy 1X STNK (dijadikan 1 lembar).
• KTP asli pemilik STNK + fotocopy 1X KTP pemilik STNK.
• Jika diwakilkan: fotocopy 1X KTP wakil.

Di STNK keliling:

• Minta formulir pendaftaran pada petugas.
• Lalu isi, contoh ada di masing2 meja (biasanya ada 2 meja).

setelah itu........

• Formulir yg sudah diisi
• BPKB asli + fotocopy 1X BPKB (yg romawi I & romawi II aja) dijadikan 1 lembar
• STNK asli + fotocopy 1X STNK (dijadikan 1 lembar)
• KTP asli pemilik STNK + fotocopy 1X KTP pemilik STNK
• Jika diwakilkan: fotocopy 1X KTP wakil; dijadikan satu.
• Lalu diserahkan di loket, untuk ditukar dengan No. antrian. (BPKB asli dikembalikan).
• menunggu panggilan No. antrian..........
• No. antrian dipanggil: tukarkan No. antrian dengan kwitansi. (KTP asli dikembalikan).
• siapkan uang pas, lalu bayar di loket.
• STNK asli dikembalikan.
• Selesai.

Catatan :

• Jika tidak membawa pen/pena, maka pinjam kepada pen/pena, antrian semakin lama.
• Jika fotocopy di STNK keliling, antrian semakin lama dan bayar Rp.1.000,-/lembar loh. Apakah ini juga sumber Korupsi ?
• Bayar sesuai yg sesuai tercetak di kwitansi dengan uang pas. Kalau tidak dengan uang pas, bisa juga ini sebagai sumber Korupsi uang kembalian.

Syarat pembuatan Pasport

Persyaratan pembuatan Paspor Dewasa :

1. Foto copy KTP
2. Foto copy KK (Kartu Keluarga)
3. Foto copy Surat Lahir
4. Foto copy Ijasah (Khusus pembuatan Paspor Baru)
5. Foto copy Surat Ganti Nama (Jika ada)
6. Foto copy Surat Nikah (Jika ada)
7. Surat Sponsor (Jika status di KTP nya karyawan/ti)
8. Paspor lama ASLI (Jika perpanjangan)

Persyaratan pembuatan Paspor Anak :

1. Foto copy Surat Lahir Anak
2. Foto copy KTP ayah dan Ibu
3. Foto copy KK (Nama anak harus sudah tercantum di Kartu Keluarga)
4. Foto copy Surat Lahir Ayah dan Ibu
5. Foto copy Surat Nikah orang tua
6. Foto copy Surat Ganti nama orang tua (Jika ada)
7. Foto copy paspor Ayah dan Ibu
8. Paspor lama Anak ASLI (Jika perpanjangan)

Note :

Semua dokumen Foto Copy ASLI nya wajib dibawa pada saat foto di Imigrasi

0815-997-6552 (yose)

Mata Pelajaran Meditasi Bikin Siswa Lebih Berprestasi

Kent, Setiap minggunya, para siswa di Tonbridge School, Inggris mendapat 40 menit kelas meditasi dan penghilang stres. Mata pelajaran meditasi itu dirancang khusus oleh para psikolog dan menjadi mata pelajaran pertama penghilang stres yang masuk dalam kurikulum sekolah.

Para psikolog dari Universities of Oxford and Cambridge tahun lalu pernah melakukan studi mengenai efek meditasi terhadap efektivitas belajar siswa di sekolah khusus pria tersebut. Karena keberhasilannya dalam meningkatkan kemampuan belajar para siswa, maka pihak sekolah memutuskan untuk menjadikannya sebagai mata pelajaran dalam kurikulum sekolah.

"Mata pelajaran ini dirancang untuk mengembangkan kemampuan berkonsentrasi dan menghilangkan perasaan gelisah. Kelas meditasi ini juga menunjukkan pada para siswa akan pentingnya ketenangan. Meditasi juga bisa membantu mereka membangun pola pikir sehat yang nantinya akan berdampak bagi kesehatan mental seperti mengurangi depresi, kecanduan atau masalah makan yang banyak dialami remaja," jelas seorang peneliti seperti dikutip dari Timesonline, Senin (18/1/2010).

Meditasi diketahui sebagai tradisi yang membawa manfaat bagi tubuh maupun pikiran. Bahkan the National Institute for Health and Clinical Excellence merekomendasikannya dalam menangani beberapa kasus penyakit.

Richard Burnett, seorang pengajar di Tonbridge School mengatakan, dibutuhkan perubahan budaya untuk menerapkan mata pelajaran meditasi tersebut, terutama dalam hal menciptakan ketenangan dalam kelas.

"Biasanya guru kesulitan menyuruh muridnya untuk tenang dan tidak ribut, akhirnya ia memintanya dengan sedikit memaksa dan marah-marah. Tapi dalam kelas meditasi ini, ketenangan justru harus diciptakan tanpa ada paksaan. Ketenangan harus bisa dinikmati karena akan menghasilkan efek positif," tutur Burnett.

Para siswa yang melakukan meditasi memang mengaku mendapatkan manfaat dari mengikuti kelas meditasi. Para siswa dilaporkan jadi lebih sedikit tegang jika dihadapkan pada pelajaran-pelajaran sekolah yang berat dan mengalami peningkatan prestasi dalam beberapa mata pelajaran.

Karenannya, Tonbridge School dinobatkan sebagai sekolah pertama yang sukses menerapkan teknik meditasi dalam bidang akademik.

"Kami ingin menunjukkan ada bukti ilmiah yang dihasilkan dari teknik tersebut. Jika itu berhasil, kenapa tidak digunakan? Lagipula jika mereka bisa mengatasi stres sejak dini, saya yakin masa depannya akan lebih baik" kata Mark Williams, salah seorang peneliti sekaligus direktur Mindfulness Centre, Oxford.

Teknik-teknik penghilang stres yang diajarkan dalam mata pelajaran meditasi antara lain teknik fokus pada satu hal, teknik menenangkan diri dan berkonsentrasi, sikap menerima, bercermin pada diri sendiri dan lainnya.

Para siswa mendapat satu sesi mata pelajaran meditasi sebanyak 40 menit dalam seminggu dengan menggunakan MP3 yang berisi arahan-arahan dalam melakukan meditasi. "Mereka juga bisa melakukannya di luar kelas, pada saat akan mengerjakan tugas sekolah atau sebelum ujian," kata Mark.