Ways to Help Couples Get Rid of Drug Addiction

Finding your partner under the influence of drugs is not easy. However, as a partner, you can be the most meaningful support for him. 

It takes a cool mind and a calm heart when you find your partner is experiencing drug dependence. But love is not just a happy time, but also a time full of trials like this. 

As a life partner, you can help your partner through these difficult times. 

What kind of help can you provide? 

1. Find out all you can about illegal drugs and their effects

Nindy Ayunda's husband has just been arrested by the police for a drug case. In the urine test, it was seen that he was positive for amphetamine and methamphetamine. 

If you experience this, of course it will not be easy, Ma.

The first thing you can do is to know more about what your partner is experiencing. That way, you can understand what he feels, like what the actual effect is when he is drunk and others. 

That way, Mama can provide the right response and empathy when undergoing the healing process with your partner. 

2. Accept the situation that is happening

Mama can't change what happened. As experienced by Nindy, who is currently being examined by Satnarkoba because of a drug problem. 

He is known to have been arrested at home and cooperative enough to make the process easier. After this, it is possible that Nindy will also be summoned for questioning. Credentialing in Addiction Psychology

If you experience this, the best way that can be done is to be cooperative and answer honestly. By accepting the situation that is going on, all problems can be more easily resolved. 

3. Be a supporter 

Mama doesn't need to be the person responsible for healing him. He needs to recover on his own. Better, you can be the best supporter  

For example, being by her side when her body is reacting to a drug addiction. Likewise, when he is in a bad mood because of the effects of the drug. 

Even after completing the rehabilitation period, this situation could return and it is very important to have a partner who fully supports him to get back on the right path. 

4. Be honest with your emotions

Dealing with an addicted person is not easy. He can turn into a scary or annoying person. 

When the atmosphere is conducive and calm, Mama can express what you feel. Have you ever felt afraid, worried, upset, and so on. 

That way, the connection that is built with your partner can be better. Even though he couldn't completely contain the temper that might be present when he wanted to try illegal drugs again, he could at least hold it back a little because he already knew Mama's feelings. 

5. Ask for professional assistance

If you feel that you can't deal with it yourself, find a community that can help channel your feelings. Sharing stories and experiences can help the process of mentoring those who are addicted to drugs. 

Likewise, if you feel overwhelmed, you can also ask a marriage counselor to solve this problem. 

There's nothing wrong with asking for professional help. In fact, this is Mama's way of keeping the marriage relationship going. 

Ways to Maintain Your Mental Health During the COVID-19 Pandemic

Spending a lot of time at home is not easy for most people, especially if it is done for a long time. Stress, anxiety, anxiety, and depression are mental conditions that telehealth behavioral health are rife during a pandemic.

Hence, having a healthy mental and thinking condition is ammunition for the body to avoid disease.

Ways to Maintain Mental Health During a Pandemic

There are several steps you can take to keep your mental health in good shape:

• Reduce News Intake

Reading information or news is necessary, but don't let it make you anxious. Too much consumption of news on certain topics can also disturb mental health. Hence, you only need to read 1-2 news every day from trusted sources.

• Spend Time with Family

From morning to evening the activity is always busy. You can spend time with your family when mealtime arrives and on weekends talking, playing fun games, or contacting siblings using video call applications .

• Tell a story

If you feel uncomfortable at a certain thing and it has been at the stage of interrupting your activities, you can share stories with people you trust. Whether it's family, close friends, even psychologists. By sharing stories, you will feel relieved and at least the mood will be calmer.

• Limit your alcohol consumption

When under stress, most people consume alcohol and smoke to relieve it. However, during these conditions, don't over-consume alcohol and cigarettes. In accordance with the recommendations from WHO, try to use the health app if you want help from a professional.

• Consumption of Fruits and Vegetables

It's no secret that eating fruits and vegetables that contain lots of vitamins, minerals, and other nutrients can be physically healthy. In line with research from the Warsaw University of Life Sciences in 2020 which states that consumption of fruits and vegetables can also have a positive effect on mental health,

• Take Time to Exercise

Busy activities and work make us forget to exercise. In fact, exercise can help you be fresher. Take at least 15-30 minutes a day for morning walks around the house, doing yoga, or some light stretching at home.

• Do Hobbies

There are so many things that might become your hobby, from farming, playing music, painting, cooking, playing games, to tidying up.

Whatever hobbies you like, don't forget to do it, OK! Through activities you like, your mind will be calmer, fresher, and of course your heart will be happy.

• Self-talk

Self-talk is when you try to talk to yourself about whatever you feel. Positive affirmations that are conveyed during self-talk can reduce several risks of mental health problems.

Among others, reduce anxiety, eliminate negative perceptions, and provide opportunities for self-control.

Confused Choosing a Good Car Insurance?

Modern society in big cities almost completely uses car transportation to support their activities. The need to buy a car will also increase because the transportation infrastructure in big cities is not even more feasible, both in terms of quality and quantity of service. Even so, many people do not realize that besides buying a car there are things that can provide comfort, safety and maintain a car properly. Yes, this is car insurance. insurance credentialing and enrollment

Basically, car insurance offers a feeling of safety in driving and helps us deal with unexpected expenses. Similar to health insurance, the way car insurance works and the rules of the game do not differ much. If health insurance or life insurance protects us, car insurance protects your favorite car, friends.

Car insurance aims to protect the car from various unexpected dangers. Starting from loss, accidents, or things that trigger a loss to the car in question. Maybe friends here already know what car insurance is and why it's important, but behind all that there are types of car insurance, you know. If you choose the wrong choice, you might lose in the future. So, so that later you won't regret it, let's see what car insurance is, and what are the differences and advantages. 

All Risk (Comprehensive) and Total Loss Only (TLO) car insurance

There are two types of car insurance that you can get to protect your private vehicle. The first is All Risk car insurance and the second is TLO car insurance. Both types of insurance both aim to protect cars, but in fact there are differences in the two types of insurance. What are the differences? Let us discuss in depth. 

All Risk car insurance (Comprehensive)

All Risk or comprehensive car insurance functions to protect the car as a whole from various damages. From minor damage, such as fine scratches, dents, or other minor damage, to major damage, such as a collision that causes the car's body to change shape or car theft. All of this can be covered if you choose All Risk car insurance in accordance with the terms of each policy. 

Not only that, the protection from All Risk car insurance can also be extended to provide more comprehensive protection. This expansion usually includes the possibility of the car being hit by natural disasters such as floods, earthquakes, car damage caused by riots and the risk of third party liability.

Total Loss Only (TLO) car insurance

Total Loss Only or TLO type car insurance, serves to provide protection for the car when the insured car is totally damaged. The intended total damage is a car lost due to theft, or car damage which amounts to 75% of the value of the car at the time of the accident. 

As an illustration, a car has an accident badly enough to make repairs which cost around Rp. 100 million. If estimated, the price of the car is IDR 150 million. Seeing the number of repairs needed to produce a nominal value of more than 50% of the price of the car, the car damage is categorized as above 75% so that the damage will be covered by TLO type car insurance. 

However, friends must understand that TLO car insurance does not cover cars with minor damage of less than 75%. Damage such as bumper dents or theft of the rearview mirror will not be reimbursed by the insurance company and will be borne by the car owner himself.

Can the two types of car insurance be combined?

The answer is of course you can. Both car insurance, be it All Risk (comprehensive) car insurance or Total Loss Only (TLO) car insurance, can be combined. Let's take an easy example, Friends are buying a used car and are using the credit system for payment. When you buy the used car, you prefer All Risk car insurance for the first 3 years and then use Total Loss Only insurance, it is very permissible. Vice versa. However, you must first make sure which type of car insurance is needed so that later you don't lose and make you disappointed. 

Which is more profitable? 

The difference between All Risk car insurance and TLO car insurance is the premium fee that must be paid. All Risk car insurance has a higher premium cost because when viewed from its function, it can provide a more comprehensive and comprehensive protection for Sahabat's cars. In contrast to TLO car insurance, which on average has a low premium cost. 

From the comparison of the premiums that must be paid, we can conclude that Total Loss Only car insurance is more appropriate for everyday use in the city. Meanwhile, TLO car insurance will be more appropriate for Friends who have high mobility between cities that have a higher accident rate. But it all comes down to you which car insurance is suitable and feels right to protect the car. 

Even though you already know the simulation of your vehicle insurance premium calculation. Don't use this simulation as a reference for the premium price of All Risk car insurance and TLO car insurance. The simulation calculation is only a view and an estimate if you really want to apply for car insurance. So you can prepare funds early. Not only buying a car, but also preparing to buy products that can protect your car.

Tasty Small Capital Online Businesses in 2021

 The year 2021 is only a matter of weeks. Soon you will enter the new year with new opportunities as well. Even though the economy had deteriorated in 2020, it is hoped that business in 2021 will be better. Especially considering the current conditions which are gradually becoming more controllable. Well, for those of you who want to start 2021 with rupiah coffers flowing smoothly, here are seven small capital online business opportunities that you can try.

Online Tutors

The temporarily restricted offline school activities open up business opportunities in 2021 as a tutor or teacheronline courses . You can offer this service to friends, neighbors, colleagues, or other closest people who have school-age children. Offer a specific area or subject that you are good at. Then, schedule these online course sessions several times a week according to your schedule and the time the child is active. Ganhar com Infoprodutos

Selling Fertilizer and Garden Supplies

Some time ago people were busy planting plants and gardening to divert boredom and stress. Not kidding, some plants such as aglonema , widow perforated, to Sansevieria immediately increased their selling price because they were attracted by many people.

This phenomenon also opens up small capital online business opportunities in the form of selling fertilizers and garden supplies. You can also sell seeds or small plant saplings. Offer your sales through an online shop or e-commerce and send it through a package delivery service.

Healthy F&B

A healthy food business is also worth considering as a big growing business in 2021. The reason is, people's awareness of healthy food is increasing and this is an opportunity to get additional income. You can have a food business with a takeaway concept to minimize buyer interactions. It could also be a catering system where the menu has been made per week, so that buyers only need to order and you can deliver to each customer's house.

Digital Marketing Services

Changes in people's shopping activities from offline to online also make large companies have to move promotions and product sales from stores or physical stores to online stores. Usually, they will use the website as a medium for promotion as well as selling goods.

If you understand online sales strategies , offer services as digital marketing to companies or brands that open these vacancies. Whether it's as a freelancer or just a short-term contract worker, this small capital online business opportunity is very promising.

Selling Preloved Items

Do you have items that you no longer use? Instead of piling up and wasting it , why not try selling it as a preloved item ? This method includes a small capital online business opportunity , or even without spending any money at all. Your capital is only unused items that are still fit for reuse, such as clothes, shoes, furniture , bags, electronic goods, or others. Preloved is also a business in 2021 that will continue to be in demand.

From the buyers' point of view, they can benefit from getting goods cheaper and more economically . Meanwhile, from the seller's side, you can get additional profit from items that are not used. A win-win solution, right?

Laundry

Finally, there is a business recommendation that will still be in demand, namely laundry. Even though nowadays many houses have washing machines, for some people having their own washing machine is expensive. Finally, they chose to wash in the laundry, which includes washing clothes and ironing. Suitable for workers or students who are busy with daily activities. With electricity, washing machine, and time, you already have a business that is your own.

Easy Ways to Choose the Right Health Insurance for Your Needs

Many people would agree that it is important to have health insurance so that the financial risk due  to illness  can be managed properly. The need for health insurance is inevitably as important as other basic needs. However, not a few people are still confused when they want to choose the right health insurance to support their needs. Are you experiencing the same thing? letter to provider relation to negotiation a best rate

In today's market, there are indeed many types of health insurance products offered by insurance provider companies. Some are pure health insurance, some are equipped with investment features.

There are types of daily compensation health insurance, some also have a hospital benefit scheme  . Choosing the right health insurance according to your needs will make insurance benefits more optimal. What are the easy steps to choosing the right health insurance according to your needs? Come on, let's listen to the following 5 easy steps:

1. Understand the needs

Before deciding to buy a health insurance product, it is more important to first understand what health insurance needs you need. Look at the medical history in your family, is there a history of critical illness? This is to determine  what health insurance coverage or  coverage you need.

Likewise with traveling habits. If you are among those who are quite active in traveling to various places including abroad, having health insurance with an extensive network of  providers  (hospitals) is important. On the other hand, if you rarely  travel  abroad, health insurance that covers domestic protected areas may be sufficient.

2. Check the availability of existing insurance

If you are registered as an employee of a company, usually the place where you work has provided health benefits in the form of health insurance. So, before buying your own health insurance, you should first examine what kind of health benefits are provided by the office. 

Some companies provide comprehensive medical benefits for their employees and even for employees' families. Starting from the benefits of outpatient care, dental care to hospitalization and the benefits of childbirth.

It can take the form of cashless health  insurance  or  reimbursement . Typically, the higher the employee's rank, the greater the medical allowance ceiling limit.

However, there are also companies that provide health benefits in the form of an annual budget ceiling. For example, middle-level employees have a maximum allowance of Rp. 10 million per year which can be used for various health needs, even for their families as well.

The method is usually  reimbursement . On the other hand, every employee of the company is also almost certain to be included, which also provides basic health service benefits.

So as not to be redundant, if at this time there is health benefits from the workplace, adjust the health insurance that you want to buy with the existing one. An easy example, at this time you may already have health insurance from an office with a hospital benefit type  . Hospital benefit  health insurance  provides protection in the form of reimbursement of medical expenses according to the  coverage  stated in the policy. Usually consists of inpatient benefits,  intensive care unit (ICU) benefits ,  benefits of doctor visits, and so on. Where each benefit generally has a ceiling limit  (inner limit)  or an annual limit  (yearly limit) .

So, if you want to complete office health benefits with personal insurance, you should choose a daily  cash plan . That way, health insurance from the office can be used to cover medical costs, while  you can use the cash plan health insurance  as a substitute for income lost during your illness. Also make sure that the health insurance that you buy can be used in conjunction with other insurance  (coordination of benefits).

3. Allocate the budget

To get insurance protection benefits, you need to prepare  a budget allocation  to pay insurance premiums. The amount of the insurance premium will depend on the coverage of the protection offered, the age of the customer or the insured, the insured's medical history and the period of protection. 

Prepare a budget allocation to pay health insurance premiums. How much ideally do you need to budget for? You can allocate 5% -10% of your routine income specifically to cover the cost of insurance premiums, including health insurance. So, if your current income is around IDR 10 million, you can allocate IDR 1 million for payment of insurance premiums. That way, insurance needs can still be covered without disturbing the allocation of other necessities that are no less important. 

4. Check the benefits and exclusion clauses

When you want to buy health insurance, be sure to research in depth what the benefits  (coverage)  is provided and whether it meets your needs. Some of the benefits commonly offered in insurance products include inpatient benefits, outpatient benefits, dental care benefits, surgery benefits, and so on. 

Also make sure to study the exceptions listed in the policy. For example in connection with the pre-existing condition article  . Namely, the rules in health insurance which state that insurance benefits do not apply to pre-existing diseases. Pre-existing conditions  usually have a period of time, for example 1 year or 2 years, even  pre-existing conditions  can not be covered forever. So, if you fall ill and have to be hospitalized because of  pre-existing conditions  , the health insurance will reject your claim.

The pre existing conditions are different from the waiting period. Health insurance generally has a waiting period of 30 days. Pre-existing conditions are usually excluded in the first 1 or 2 years since the policy is active. But there are also insurance policies with pre-existing conditions that are excluded forever.

5. Compare with other health insurance

There is a large selection of products on the market. Do not immediately buy health insurance without comparing it with similar products from   other insurance companies. Compare at least three products first in order to choose the best one, namely in terms of coverage coverage, the amount of premium charged and the track record of the insurance provider. 

The track record of the insurance provider is important to see if the claim business can be easy or problematic in the future. Don't forget to choose an insurance provider who has a good reputation and long experience. That way, you can get optimal health insurance benefits.

Things You Need To Pay Attention To When Making A Swimming Pool

 Have you ever imagined having your own private swimming pool in your own home? The main advantages of having a private swimming pool are in terms of comfort and practicality. With a swimming pool at home, you don't have to share a swimming area with the crowd in a public swimming pool. What's more, you can swim anytime without anyone controlling. If you have enough vacant land in your house, then there is nothing wrong with making a private swimming pool, right? Aufstellpool

Presenting a swimming pool at home needs to pay attention to several things in its planning. Both in terms of cost, construction, and aesthetics, you need to understand so that your swimming pool can actually function properly. The following is a summary of what needs to be considered when making a swimming pool.

Budget

Cost is the first thing you need to pay attention to because the most important thing in having a swimming pool is not only during the manufacturing process, but also the maintenance that needs to be done regularly. The details of the costs that you need to prepare include costs for construction, craftsmen, filtration and piping equipment, supplies of chlorine and soda ash , lighting systems, and water costs.

Swimming Pool Size

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A swimming pool that is used for swimming purposes at least requires a size of about 3 x 10 meters. But you don't have to use these standards. If the purpose of making a swimming pool is a place to soak and only swim lightly, then the size of the pool can be reduced if the available land is limited. In addition to providing land for the swimming pool, you also need to provide a clearance area around the swimming pool of about 50 cm. Circulation space around or one side of the pool is also recommended so that residents are comfortable moving around the pool area.

Electricity Consumption

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If you pay attention, the water in the pool continues to cycle so that the pool is always clean. Therefore, a swimming pool needs a pump to regulate the water circulation. Apart from that, the swimming pool also needs lighting at night. As a rough calculation, a small swimming pool needs about 500-700 watts for electricity consumption

Water Supply

The existence of water, of course, is an absolute thing in a swimming pool. Swimming pool water supply can come from various sources, including well water and PAM water. If you take care of the pool properly, you don't need to change the pool water too often so that water consumption can be saved. One way is to maintain clean water, maintain chlorine levels, and maintain PH levels.

Filtration System

There are 2 filtration systems that you can choose from for your swimming pool, namely the conventional system and the integrated pool and filter system . The conventional system is a method of making a swimming pool by planting structural pipes at the bottom of the swimming pool construction. These pipes aim to drain the water into the filter tank which then flows back into the pond after being filtered. On the other hand, the integrated pool and filter system does not use pipes but uses a filtration system that integrates with the structure of the swimming pool. The advantage of this system is that the pool pump and filter is located on the edge or in the pool, making it suitable for those of you who want to create a small swimming pool.

Pool Construction

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In order for the swimming pool to be durable and durable, the construction materials used to build a swimming pool also need to be considered carefully. If a swimming pool is built by dredging the land, soil conditions have a big influence on the choice of materials and structures that will be used to construct the swimming pool.

Floor and Wall Coating Materials

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Apart from the structure, the visual aesthetic appearance of the swimming pool should not be left behind. Ceramic wall and floor materials in swimming pools usually use a lot of ceramic or granite. Choose bright colors so that your pool looks clean and wider. Also, consider using materials that are easy to clean.