COVID-19 Bali Business Possible Scenario

Udah pertengahan April, grafik infectionnya masih naik terus dan belum ada tanda-tanda mau flat. Diskusi dengan teman-teman dokter, kata mereka, tolong diam dirumah! Rumah sakit sudah full ga bisa nanganin lagi. Kalau diskusi dengan teman pengusaha, harus segera buka nih kalau kaya gini terus mau makan apa?

Vaksin yang infonya paling cepat selesai study adalah dibulan september 2020 oleh Oxford University. Ini baru study, kalau berhasil, baru di produksi massal. Sampai di Indonesia kapan? Kemungkinan 2021!

Jadi mari kita pikirkan beberapa kemungkinan untuk kelangsungan hidup kita.

Scenario 1
Jumlah yang terinfeksi meningkat sampai pemerintah harus lockdown atau semi lockdown. Bisnis harus tutup. Duh amit-amit. Kalau sampai seperti ini yah pasrah. Hanya bisa menunggu waktu sampai dibuka kembali. Semakin lama semakin hancur!

Scenario 2
Social distancing terus sampai jumlah yang terinfeksi sedikit. Ini bisa makan waktu yang sangat amat panjang. Mei? Juni? Juli? atau akhir taun? Tidak banyak yang bisa dilakukan. Tentunya tidak ada tourist yang masuk Bali, sehingga ekonomi semakin lama semakin terpuruk.

Scenario 3
Jumlah terinfeksi menurun karena social distancing. Kemungkinan pemerintah akan sedikit longgar untuk memperbolehkan transportasi dan bisnis dibuka kembali, tapi orang-orang tentunya akan tetap takut untuk berinteraksi. Kemungkinan untuk tertular masih sangat besar. Keadaan tidak akan jauh berbeda dengan scenario 2.

Scenario 4
Kalau vaksin masih lama, kita hanya bisa berharap ditemukannya obat yang handal dalam waktu dekat ini. Masyarakat menjadi tidak takut lagi dengan wabah ini. Hidup bisa kembali normal!

Scenario 1-3 tidak memungkinkan untuk kita hidup normal kembali begitu juga bisnis. Tourist ga mungkin berani datang ke Bali. Banyak bisnis tutup, banyak yang kelaparan, kejahatan pun akan meningkat. Kapan ini terjadi? Saya rasa ga begitu lama kalau terus seperti ini.

Hanya scenario 4 yang mampu menolong Bali. Jadi mari kita berharap hal ini cepat terjadi. Beberapa clinical trials akan mengumumkan hasilnya Bulan April ini. Ada beberapa obat yang saya baca dapat meringankan sakit covid-19. Obat yang saya pikir dapat digunakan massal adalah obat yang dapat dengan mudah digunakan, dibeli dan tidak mahal. Ada satu obat yang saya rasa terbaik dalam mengatasi covid-19 ini, yaitu remdesivir. Hanya saja obat ini harus dimasukan ketubuh dengan semacam infus. Jadi harus di rumah sakit. Jadi yah harus tetap social distancing karena rumah sakit ga bisa handle banyak orang. Obat ini patentnya masih dimiliki oleh 1 perusahaan. Harga kemungkinan akan mahal dan supply nya terbatas.

Menggunakan obat batuk dan panas yang biasa seperti panadol, dextromethorphan dan vitamin akan mengalami sakit kurang lebih selama 14 hari. Banyak kasus sampai harus menggunakan ventilator alat bantu nafas. Dengan obat hydroxycholoriquine dan azithromycin menjadi sekitar 6 hari. Dengan obat avigan bisa menjadi sekitar 4 hari. Infonya dengan kedua obat ini, jumlah yang membutuhkan ventilator sangat sedikit. Avigan / Favipiravir saya rasa bisa tersedia cepat di kawasan asia mengingat Jepang saat ini sudah pada tahap clinical trial yang terakhir dan negara-negara di asia percaya kualitas Jepang. Namun untuk negara barat, keliatannya harus menunggu hasil dari clinical trial di USA yang selesai sekitaran Juni. Kedua obat ini patentnya sudah expired, banyak yang bisa memproduksinya.

Kita anggap lah clinical trial 2 obat ini berhasil dalam mengurangi durasi dan resiko dari COVID-19. Apakah tourist akan datang? Coba kita tanya ke diri sendiri dulu. The highest risk is we need the ventilator and has to go to hospital. Possibility nya kecil tapi tetap ada. Untuk tourist muda saya rasa akan datang dengan berbekal beberapa obat. Yang lebih tua akan menunggu sampai hospital tidak penuh dan siap menerima mereka apabila dibutuhkan. Jumlah yang sakit lebih kecil dari kemampuan hospital. Dan harusnya tidak terlalu lama. Dan ada cerita kalau minum hydroxycholoroquine ini dosis kecil tiap hari dapat membuat kita kebal? semoga ini benar!

Apabila clinical trial ini gagal semua.. hanya berharap pada vaksin.. dan yang tercepat mungkin awal 2021.. jadi kita tau musti gimana.. !?

Back to Future Trading

Being home way too much lately due to COVID-19. Baca buku yang blm sempat ke baca udah, nonton drama korea udah, beresin rumah males, benerin software kerjaan males, beresin pajak males.. ngebir dulu aahh..

Satu hal yang menarik selama kelamaan dirumah ini adalah future trading.. sekilas sedikit kebelakang.. saya mulai mengenal future trading pada saat masih kuliah.. tapi hanya lewat.. transaksi pertama saya kurang lebih taun 2004 an.. waktu itu di denpasar lagi boombing trading index.. salah satu teman ngajakin saya join valbury.. hanya berbekal ilmu “hanya lewat” dan porfolio dari teman broker saya.. saya sangat tertarik melihat hasilnya dan memberanikan diri untuk join.. dan seperti yang banyak orang katakan.. semuanya ludes dalam waktu kurang lebih 1 minggu.. hanya ada penyesalan kenapa terburu-buru.. ga research sana sini seperti yang biasa saya lakukan apabila ingin membeli computer misalnya..

Setelah hal ini saya coba untuk belajar sendiri, mengikuti beberapa kursus singkat. Yang murah-murah aja, kenapa ya kalo kursus ginian selalu aja mahal-mahal? anyway.. kursus murah biasanya kursus pembukaan dari kursus mahalnya.. setelah baca 1 ato 2 teori.. saya cobain.. eh ga isa untung.. ngambek.. terus lama ga trading lagi.. lalu ada kursus murah.. dapet teori baru.. cobain.. udah tunggu sekian lama.. tanda-tandanya akhirnya muncul.. eh kena stop lost.. cape kan.. udah nyerah.. sibuk ama kerjaan lupa lagi.. kejadian ini berulang-ulang..

keliatannya teori yang saya akan bahas kali ini lebih ok.. so far profit.. intinya kan ini! .. tapi apakah teorinya yang bener.. ato emang marketnya lagi kacao karena covid-19 dengan perpaduan Donald Trump sehingga membuat teori ini lumayan jalan.. hanya waktu yang membuktikan!

Saya hanya 4FUN TRADER! Jadi harap maklum kalau banyak hal yang salah dalam blog ini ya!

Saya liat teori ini di ig, dia istilahkan supply and demand trading.. tapi yah sebetulnya back to basic aja sih logikanya.. support and resistance.. ga pakai indicator apa2 lagi.. kunci pentingnya di rebound yang kedua.. ok gini..

support istilah keren dari harga mentok bawah.. resistance adalah harga mentok atas.. seperti kita tawar menawar mobil, sebagai penjual atau pembeli, kita pasti melihat harga terakhir mobil yang laku. yang paling mahal berapa, yang paling murah berapa. Harga yang fair untuk pembeli dan penjual adalah harga diantara harga ini. Harga dapat melebihin dari harga bawah ato atas ini apabila ada satu kondisi. Misalnya kilometer mobil nya sangat besar. Maka harga bawah ini akan bergeser dan menyesuaikan dengan harga bawah berikutnya misalnya 1 tahun lebih tua karena kilometer nya mirip dengan usia mobil yang 1 tahun lebih tua. Sama persis dengan future trading!

Ada banyak sekali tutorial cara membuat support resistance di youtube dan instagram yang sangat luar biasa bagus. Hal ini super basic dalam percaturan dunia trading.

Grafik gold 15 menit diatas ini sangat menarik. Saya melakukan trading ini kemarin malam (9 April 2020). Jam pada grafik diatas menggunakan Eastern European Timezone (GMT+2). Jadi beda 6 jam sama WITA yah. Untuk pembahasan ini, kita pake jam diatas aja biar gampang. Gold break resistance setelah lamaaa banget ga gerak di jam 14:45. Biasanya “the old me” langsung trade di bar berikutnya. Dimana untuk grafik ini langsung kaya! Tapi lebih sering gagal nya.

The new me, harus tunggu harga untuk test level supportnya. Jadi dari 14:45 sampai 16:15 yang mana sempat nyentuh harga 1685.00 dari sekitaran 1664.00 (+- 2100 PIPS BOK!). kalau 1 lot, 2100 USD, +- 32jtan.. tapi emang berani 1 lot? haha.. hanya ada penyesalan. Kenapa ga beli dari tadi dan yang banyak! ok lah.. kata salah satu account di ig.. ini lah bedanya.. pemula dan professional.. okehhh!

Setelah 16:15 akhirnya turun juga tuh bar! lah ini ga naik2! akhirnya 17:00 naik. ini saat nya untuk persiapan trade. Mari itung-itung dulu risk dan rewardnya. EITT jangan lupa cek economic calendar. aman ga ada pengumuman yang berarti. Resistance 1685.00, Support 1672.65 = 1235 pips. 18:15 bar di buka di 1680.40. reward 440 (spread 20). risk 775. ratio reward / risk nya gedean risk! Ga cocok di trade unless harga turun. Katanya yang bagus tuh ratio reward / risk 1.5+. okeh saya tunggu sampe turunan dikit. Rumus kasar yang biasa saya pakai total pips dari support dan resistance dibagi 2.5. Dalam hal ini (1235 / 2.5) – 20 = 474. 2.5 dapet dari mana? matematika simple aja. reward + risk = 1235. reward / risk = 1.5. di substitusi jadi deh 2.5. 20 adalah spread dari broker saya. Iya gede, tapi ok lah buat amatiran.

Ok back to the graph, jadi musti at least di level 1672.65 + 4.74 = 1677.39 Dan kemarin sangat beruntung karena harganya sempat turun lagi sehingga saya bisa buka posisi di 1675.00. Lalu Harga naik sampai sekitar 1683.00, belum menyentuh target 1685.00, dan turun. Tapi rebound di level 1677.23. Dengan pertimbangan trend nya masih sangat UP, maka ini saya jadikan support berikutnya. Tunggu jangan langsung buka posisi! Tunggu bar confirmation berikutnya!

Hal yang sama berulang kembali. Support 2 = 1677.23. Resistance = 1685.00. Total 777 pips. Reward risk ratio minimum price has to be around 1680.00. Sangat beruntung harga turun dibawah itu dan saya dapat buka posisi yang ke 2 pada level 1679.28. Dan pada bar yang sama kedua posisi saya close di target price 1685.00! YIHA!

Ini adalah salah satu trading saya yang paling asik. Grafik berjalan sesuai dengan kemauan saya. Jarang-jarang hal ini terjadi. Sampai ditrading selanjutnya! Oh iya kalo males itung-itung kaya diatas, kira-kira aja sekitar 1/3 dari support ke resistancenya. kurang lebih lah!

COVID-19 hasil rekayasa?

Ada banyak sekali orang yang menyangka kalau covid-19 ini adalah hasil rekayasa. Kenapa? Kok kejadiannya pas lagi perang dagang, yang kena kok China dan Iran (sebelum Amerika dan Eropa juga kena), ditemukannya benda-benda disana sini yang mendukung hal ini.. Di jaman super hoax seperti sekarang, tentunya kita harus berpikir 10x dalam menerima informasi..

Bagi saya, ini semua agak sulit dipercaya karena yang memberikan informasi bukan dari sumber yang credible dan tidak memberikan bukti yang minim masuk akal bawah.. seandainya iya pun.. mungkin sudah perang nuklir sekarang ini.. tapi seluruh dunia saling membantu.. termasuk china dan usa..

Banyak sumber menyebutkan bahwa SAR-COV-2 atau COVID-19 adalah pengembangan dari corona virus sebelumnya yaitu SAR-COV yang menyebabkan SARS dan MERS sebelumnya. Terdapat injeksi pada beberapa protein virus sehingga menjadi lebih sakti.

Ada satu artikel menarik yang dipublish oleh nature.com https://www.nature.com/articles/s41591-020-0820-9. Nature research adalah sebuah organisasi research ternama yang researchnya banyak dijadikan acuan. Di artikel pada link diatas terdapat gambar dna dari virus covid-19 ini beserta penjelasannya. Saya tidak mengerti tentang dna, tapi dari logika saya yang bodoh, anggap lah nucleotide 1 – 29903 adalah virus dari ujung ke ujung nya. Pada bagian sekitar 20rb-26rb adalah bagian penting dari virus tersebut yang menjadi alat untuk masuk ke sel manusia disebut spike. Di spike ini sendiri terdapat bagian-bagian tertentu yang menjadi jalur masuknya ke sel manusia dan menduplikasikan diri.

Gambar tersebut membandingkan 6 corona virus yaitu 3 dari kelelawar, 1 dari tenggiling, 1 dari manusia SARS-COV (kasus SARS dan MERS) dan yang terakhir SARS-COV-2 / COVID-19. Sangat terlihat jelas kalau masuknya COVID-19 ke manusia sangat berbeda dengan dengan SARS-COV sebelumnya. COVID-19 justru lebih mirip dengan yang ada di tenggiling.

Jadi argumen yang menyebutkan kalau virus COVID-19 adalah rekayasa dari SARS-COV telah dibantah oleh artikel atau research ini. Sedangkan untuk membuat virus ini dari awal, beberapa sumber mengatakan sangat tidak mungkin karena canggihnya virus ini. Yang lebih memungkinkan virus ini bermutasi dari binatang sehingga bisa menularkan manusia. Dan mungkin telah ada ke tubuh manusia dari waktu yang cukup lama.

WTF is Crossfit !?

It’s about a year now since my first class in crossfit. And it’s still as exciting as day one! maybe more! amazinggg.

Crossfit is considerably new to bali gym market, even till now, about 4 years after the 1st crossfit box opened here, most gym addict has no clue about it.Everytime I was asked what is crossfit, I hardly can explain it, because I don’t really know it myself! After reading some crossfit journal, I got a better understanding what I’ve been doing every morning. Please note that I am not an athlete, just an ordinary 40 years old guy who wants to be always fit.

So what the fak is crossfit? my definition of crossfit is a sport that makes me to another level of fitness. What do I mean by another level of fitness then? I used to run, cycle, swim, cardio classes. I was at first level of fitness (just my terminology). I was good of what I trained. But what about things or tasks that I don’t normally train? I just couldn’t do well in any other exercises. I couldn’t pull myself up. I was really suck in push up. Lifting heavy stuff? forget it!

Crossfit, on the other hand, takes me to another level of fitness. I am able to do any related fitness tasks quite well. YES I mean ANY! And suprisingly, I am doing better in running, cycling, swimming, cardio classes than what I used to be. You might wonder, how is this possible? What are you actually doing in crossfit?

Backed by science, all work outs in crossfit are focusing towards this fitness level. Fit in crossfit is being able to do any unknown tasks well. Please note that the goal is the fitness level, NOT the muscle size as so many people got this wrong. The main work out can be divided into 3 main categories: weight-lifting, gymnastic and cardio.

Weightlifting includes clean, jerk, snatch, squat and deadlift have been scientifically proven change our body hormonally and neurologically. Weightlifting also improves the power, strength and speed. Gymnastic such as pull-up, push-up, handstand (walk), muscle up, rope climb, improves the body control, flexibility, balance and coordination. Cardio, mostly involves short sprint and interval training, improves the cardiovascular and stamina. Crossfit combines these three and put them to so called WOD: workout of the day. As you can see, crossfit trains all area that you need to be in another level of fitness!

Yoyo Ping Pong Weight Lose

Human body is the most adaptable object in the world! well at least in the losing weight point of view.. here’s my story..

When I started working out in the gym for the first time.. I lost my weight.. but after sometimes.. it stuck and going up slowly.. then I changed my diet.. still going to the gym like before.. eating less rice.. less fried food.. then i was able to get where I was when I started the gym.. maybe a little less.. but then it stuck and again going up slowly.. somehow I never reach to my goal to have a flat belly.. it’s been going on for yearsssss..

I am now almost 40 yo, some articles recommend people like me (old) to do more workout that increase the testosterone level.. more high intensity workout.. lifting more weight.. longer time exercise is not recommended.. crossfit looks excellent to me.. So I joint crossfit about 9 months ago. But again, the cycle repeats! Losing weight when started and then stays and slowly rise.. what the hell !!

Now I am trying some new.. it is still taking me in a good track till now.. the idea comes from a guest coach in the box that I join.. he mentioned about having LESS and only protein kinda food in the day time and having the carb in the evening.. weird right?.. normally.. more food during the day.. less food at night as we more things during the day..

I was so curious with this type of diet.. So I did some googling.. not sure if this is scientifically correct.. but make sense to me.. some articles explain that carb will light up our insulin hormone which will make our body not burning the fat.. so in other word.. to burn more fat.. we need to extend the time period of carb taken to our body.. why don’t we just cut the carb? it works for me for only a week.. after that just can’t do it.. just felt so weak.. especially after the workout..

And now I remember one type of diet call OCD which is quite famous here in Indonesia.. it basically limits the time of food taken in a day.. please note.. it limits the TIME not the AMOUNT of food.. it says you can eat anything as much as you want in some time frame only.. it follows the theory above.. the more often we eat (especially carb).. the more insulin hormone we will produce.. the less fat we burn..

Another thing just pop out in my mind also.. A friend who is known to be one of the best nutritionist in Bali once said to me in a lunch buffet that she needs to eat more fat but no carb.. that time i thought like WHAT?

it is all making sense now.. combining those 3 theories.. to burn more fat in our body.. put more time between each meal.. as far as we can.. use good fatty food as the fuel for our body instead of carb..

will I able to reach my goal this time? let’s see !!

GoPro Freeze Problem Fixed

FINALLY FINALLY !!

Bought GoPro Hero4 Silver for my son’s birthday 2 years ago.. It worked super good that time. I didn’t play around with the setting though. So not sure if it was still alright for other video setting. It was set to the 4k 15fps video by default. After some months of idling, the problem started. When I turned it on, it kept  restarting for some number of times. After that it went ok. But it froze when taking video. There wasn’t any certain period of time that it would froze . It was just random. That’s so frustating, i had to keep on looking at the led light, whether it still recording or frozen. Tried to change the video setting, all combination of resolution and fps, none worked. Tried to update the firmware, didn’t help either.
Got tired of it.. I didn’t use it for a while. Then it came the time when I need it, the problem became worst. It froze every 1-2 seconds. I took the sd card away. No help! Did some checks on google, and this guy got the answer for me! check up his video https://youtu.be/ARUV0aPBPOc?list=LLzvxsDFqE24AfHUKW1stvbg
So what works for me is:
Plug the GoPro to a charger (not computer usb port)
Miracle! no more freeze shit.. but hold on
My SD Card is SanDisk Extreme UHS-I 64GB. I tested the sdcard on my android phone.. the max write speed is around 30MB/s.. Even using the video setting of 720 30fps which is the lowest recording speed 20MB/s.. It still freeze sometimes.. I believe this is the problem of the SD Card.. I just ordered the sandisk extreme pro 32gb which says to have max write speed of 90MB/s.. hopefully it will solve my problem!

updated: 3 Feb 2017 22:54:00 (GMT +8)
Just received my sandisk extreme pro sdcard.. it says 95MB/s read, 90MB/s write speed in the packaging.. tested the card in my android.. it says write speed around 60+MB/s.. good enough for my hero silver as it’s max video setting only need 45MB/s (https://gopro.com/support/articles/hero4-silver-recording-time-in-each-video-setting)..

I was right! My gopro now works extremely well !! nice nice.. content content please anyone.. 

Bali Reclamation Reason of No Reason

Do you agree of the reclamation in Benoa Bali area? if you ask people in Bali nowadays.. I am sure, you will get no. This reclamation issue is getting really big lately. So many people/organisation use it for their own benefit. People will love you simply by not agreeing the reclamation.

I want to look at a bigger picture. I’ve been searching some articles, why people hates the reclamation. The points are 1st is about environmental issue, 2nd flooding some part of denpasar, 3rd about religious and culture. 
Economic growth normally goes opposite with environmental issues… it is a trade off.. one goes bad the other goes better.. Basically, if you want the economy to grow.. you have to build more road, dig more fuels, build more building.. how?.. by cutting more trees, exploding rock mountains to get their mineral, etc, etc.. It’s sad.. but ?!

Same thing apply here.. It’s a matter of what is more important in this particular moment.. I love the mangrove.. whether it’s going to be destroy if the reclamation take place.. most likely.. BUT.. comparing the damage of this mangrove to the economical benefit by the reclamation.. hmm.. those big people can’t be stupid putting huge amount money for nothing.. some articles I read, the reclamation is actually put the mangrove in a better environment.. I doubt.. but possible in some smaller parts.. 

Second, some says Sanur and some areas will be drowned. I don’t know anything about earth water system. I THINK Denpasar including Sanur is not under sea level. Again I THINK sea level will always be at the same level everywhere in the world.

Let’s take a look about this drown thing. I THINK there are two reasons why Denpasar will get drowned. First, the water rivers that flow to the reclamation bay can’t go through the sea, as the bay is getting higher. So the water flows back while still having the original flows. Second, since water space in this bay decreasing, the water that suppose to be in this bay goes to the other part and making the sea level higher. In this case Sanur sea level will get higher and it will be drowned.

For the first cause, LOGICALLY for me, water will always go down even you put anything in the middle as long there is big enough canal connecting to the level below it. Water will stuck if the canal is too small comparing to the flow the water from the source. For example, when we take shower, water will go to the drain. Let’s say we put towel between the flow of water from the shower and the drain, but let a bit space free, water won’t get stuck. Same thing apply to the reclamation. So the towel is the reclamation. The sea is the drain. I am sure the investor will create this type of canal and more of new technology etc to protect their investment. Again.. they cant be stupid!

Second cause, I am not sure! but really? again LOGICALLY, sea level is the same everywhere in the world! if sea level in Sanur area goes up.. so it is in Jakarta.. I am only sure if those big icebergs melt in artic, then we all get drowned!

Third cause, religious and culture. I am asking many foreigner friends and my guess, the reason they come and live in Bali? Some of them really love Bali and some even want to die in Bali. What they love is the culture. Every body kind, every body smile. They feel comfortable. Of course we also have so many beautiful things for them to see and enjoy. Will the reclamation change these? some articles say YES.. but why?? I just don’t get it.. If we take the reason of economic growth will change people culture, yeah I think so.. but will you stop the economic growth to keep the culture still? can you keep using the same cloth without buying a new and better one? may be for some.. but for most.. of course NOT! So even without reclamation, the economy will growth and it will change the culture eventually.

Another thing I read a lot is about over capacity.. more supply than the demand.. so many hotels will get bankrupt.. unemployment will rise so criminal will rise.. i think this is nothing to do with reclamation.. so many HUGE and small hotels are getting build around Bali at this moment.. why only complain to the one in this reclamation?

For me this issue has been going everywhere.. beyond it’s fact.. the media is not neutral.. mostly backed by some politicians.. cant believe to what they say anymore.. i am lost! If I’ve got to choose.. I choose to buy new and better cloth!

Fastest Way to Loose Weight

I’ve been wondering lately.. some friends who have done a lot of running like 20k+ on their daily activities.. look fatter than what they used to?? How come? .. logically.. when calories burned is greater than calories taken.. you ll lose something..

I read these informative articles that google gave me.. explaining how long steady exercise in fact not a good method in losing weight.. some hormons that are used to burn those fat are actually decreasing.. and even worst.. your muscles get burned instead..

So.. let s forget about being a marathon runner.. let s do this method that i m going to describe..

I talked before about doing exercise at 65% of ur max heart rate.. increasing daily metabolism rate.. those r ancient.. the latest study has shown.. HIIT (high intensity interval training) is the fastest technique to loose fat!

Why? The logic is to “damage” your muscles.. and while the body cure that damage muscles.. it needs a lot of calories.. and it s a long one! How to damage the muscles? You do any exercise that u like in MAX!.. while you do it MAX.. you cant do it for long.. u need to rest a bit so u can do it again in MAX.. this is called HITT.. on the other hand.. long steady exercise will not damage the muscles.. so nothing to be repaired and additionally your growth hormon is decreasing..

An example.. let s do running.. 5min warmup.. super max speed 60secs.. rest for 75secs.. super max speed mean you cant run anymore after 60secs.. do it 8 rounds.. then cool down 5min.. that s IT!.. 30min only.. feel the different..

But after a while doing it.. your muscles will get used to it.. it wont give the same damage as before.. you have to change the exercise.. such as burpee, hang, pushup, stairs, jump box, etc etc..

Happy HITTING !!

Credit Card Reward Points: How it worth

Always in my mind, which card give the most of their reward points. I have many credit cards myself, always wondering which one to use every time I buy expensive things. So this is my analysis, I’ll discuss 2 cards I have: Danamon World and Citibank Rewards.

Danamon World

Every 1000 rupiah spent, we’ll get 1.5 reward points. 100K voucher for carrefour is worth 25000 reward points. So the rupiah amount of that voucher will be, 25000 / 1.5 *1000 = 16.666.666 rupiah. You spend 16.6M+ rupiah, you got back 100K.. it’s about 0.6%.. I calculate for redeeming IPAD is about similar percentage..

For millage it looks better. I use the Kris Flyer mileage point since they have the calculator available on their web.. 1 KF (Kris Flyer) mileage point is equal to 12 reward point.. A trip from Singapore to Bali round way needs 12.750 miles.. so it needs 12 x 12.750 = 153000 reward points.. which is equal to Rp. 102.000.000,- of spending.. you get a 2.3M rupiah worth of ticket.. it’s about 2.25%.. taxes and surcharges are excluded..

Another plus point.. we can enjoy the airport lounge using this card, free annual fee, 5% cash back on petrol and bill..

Citibank Reward Card

Every 2500 rupiah spend, you got 1, 2 or 3 reward points.. depends where and when we use the card.. Lets say it’s 2 reward points since mostly we will get these. I took an example of redeeming PS3 500GB.. it needs 323700 rewards point.. it costs Rp 2.750.000,- in some online stores.. 323700 is about Rp. 404.625.000,- of spending.. so it’s about 0.67%..

The best with this card.. when there are some promotions with some venues.. We can use our reward points as cash discount.. such as in Sushi Tei, Planet Sports, Carrefour, etc.. I calculate.. it’s about 15 rupiah for each point + some reward points + more discounts (sometimes).. you spend 2500 rupiah… you’ll get 30 back.. it’s about 1.2%.. double compare if you take the gadget..

For millage.. 7 reward point = 1 millage point.. as above.. 7 x 12.750 = 89250 reward points.. which is equal to Rp. 111.562.500,- of spending.. we get Rp 2.3M worth of ticket.. taxes and surcharges are excluded.. it’s about 2%..

Please keep in mind.. we can get sometimes only 1 instead of 2 reward points for each 2500 rupiah we spend which make all percentage above worst..

Well in conclusion.. danamon looks a bit better on the redemption value.. but citibank has better value if you don’t like travelling and like to spend money to certain places they are partnering..

Note:
– I can’t find any information about point getting expired.. it might not get expire.. but have to confirm that..
– This calculation is based on my monthly statement and some information on their official website..
– Disclaimer ON always..

Kris Flyer mileage calculator.. click here http://www.singaporeair.com/travelplanner.form

XL GSM Important Code

For XL GSM user.. please remember to do this when going overseas:

#818# -> turn off voicemail
##002# -> turn off all call forward
*123*572# -> turn off all subscription to SMS premium, NSP (nada sambung pribady), DLL..
turn off delivery report for sms