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Archive for the ‘Wisdom’ Category

IF YOU KNOW THE TRUTH,THE TRUTH WILL SET YOU FREE..

Posted by andriantoangkadirjo85 on June 11, 2011

Hi everyone!

How’s your day ? Hope everything is fine. My daily routinity now make me unable to do exercise regulary as it used to be. In the morning, I shuttle my daughter to school (since january 2011) and then I got to go work until evening (since june 2011). As a result, my physical fitness dropped to lowest level..I used to run 1.5 mile in 22′, but now in more than 30..:( We should live in balanced, always aware and be alert!!

Well, you guys already know my motto..SPEND LESS..SAVE MORE.. to weathering tough economic conditions.. and it proved me work well! Now, I want to give another more powerfull motto and I believed will certainly work too..not just in economic but cover almost every aspect in life. Awesome! Here’s the motto : IF YOU KNOW THE TRUTH, THE TRUTH WILL SET YOU FREE.. yup ..title of this post. Some of you probably already know. This is what our Lord Jesus told in John 8 verse 32. I, myself, knew this for long time either. But just after having religious personal experience in mid’s 2009 that I can detect the essential of this verse. Believe me, take this motto  and apply in your life..the result will enormously amazing!

Actually, there are many2 truths in this world but I wanna give just one truths. In this posting I give it, prepared with many examples, hopefully I will finish this writing as soon as posible.

The truth is.. THE THIEF COMES ONLY TO STEAL AND KILL AND DESTROY; I HAVE COME SO THAT THEY MAY HAVE LIFE, AND MAY HAVE IT ABUNDANTLY (John 10 verse 10).

The point is no one in this world is living without problem! When you have a problem now, understand this truth, I believe you will have a better view about your problem and you’ll see the way out either. Examples :

1. Right now you live with your mother/father in law. Very soon, you’ll encounter many disagreements/dislikes eg. you don’t like her being so busy with her stuff in the kitchen all day long, you don’t like her being so disorganized, disordered, lack of organization in the house, you don’t like her being so ignorant, you don’t like see her often go to church but her life doesn’t reflect any of it. To be true is that THE THIEF IS STEALING SOMETHING FROM YOU (your peace, happiness) then THE THIEF IS GONNA KILLING (kill your relationship with your mother-in-law), last THE THIEF IS GONNA DESTROY (there will be a quarrel, dispute than..many bad/worse/worst things can happen). Now, just realize this solution : I HAVE COME SO THAT YOU MAY HAVE LIFE AND MAY HAVE IT ABUNDANTLY ! Just come to Jesus, and tell Him that you believe He can give you life and live an abundantly life.

2. You always have many negative thoughts about your wife. She’s not beautiful, not comparable to your previous spouse, bad-tempered, bring bad-luck, disorganized & disordered in house/child care, regret marrying her, etc. Wake up man! Realized! It’s obvious that THE THIEF IS STEALING, KILLING & DESTROYING YOU NOW! Just come to Jesus right away. Ask Him to give you life and tell Him you want to live an abundant-life.

3. You’re an employee and so far, your salary is not enough till the end of month. You always panic, hope someone give/lend the money, owe money from credit card, depressed, very sensitive/highly tempered to your wife & children, etc. This economy problem is one of the thief’s tools to STEAL AND TRY TO KILL & DESTROY. Just ask Jesus. Tell Him that you want a life and live in abundantly.

4. The world recession definitely make many people jobless, homeless, divorce, etc. This economy problem (recession) is one of thief’s tools, but apply to massive scale so will impact many people. But the point is the same. The thief is stealing, killing and destroying so many people. When you’re one of these victims, quickly realized this and fix this. How? By asking Him to bring life to you and for sure, He will give it immediately to you..abundantly!

5. You’re a wife and your husband cheat you on another woman! You’re depressed, angry, heart broken, etc..so what? Just knowing this truth! The thief is definitely stealing from you, killing you and last destroying you.. Don’t give up!! You know how to fix it! Tell Him you want your life’s back, you want to live it abundantly! And see what’s gonna come to you..


6. You have great fam, well job, friends. You enjoy your life so much. But suddenly you fell sick. The world change 180 degrees. Just realize this, that health is also one of thief’s tool. The thief just want to steal, kill and destroy you! Just realize this promptly!! And fix it! Just tell Jesus, you want your life’s back and you want to live it abundantly! Just believe and wait..see what’s gonna happen!

7. You’re woman on 30th+ years old, still single. You broke your heart several times and just desperate to find your soul mate. Although you have friends, good job but it seems meaningless to you. Just realize this! That falling in love is also another thief’s tools. By this, the thief steal (your youth, happiness, spirit to live), killing (your hope, future) and destroy (your life). Just realize this. Ask Him to give you life so you can live abundantly!


8. You lost your money! You got duped and lost your savings! It seems the world ended! Don’t give up! There’s a truth here! That the thief by all his tools just try to steal, kill and destroy. And this time it worked on you, maybe others too. Just fix it, simply by telling Jesus that you want life, and you want to live abundantly. So simple. Just believe it would work!

9. Being lack of knowledge, than you lost or fail in your life. Don’t give up. This world is just full of trickery things..investment, home-loan, car-loan, credit card, etc. And the thief use your ignorance to steal, kill and destroy you. When you experience this..just know this truth. Ask Him to bring back your life and that you want it abundantly.

If you have comment just write down below. Thanks!

andriantoangkadirjo85 bottom line 

– No one is living without problem. But if you know the truth, life will be so simple. Cause by knowing the truth, we know why this happen & automatically know the way out/solution either. 

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SPEND LESS..SAVE MORE..IN COSMETICS

Posted by andriantoangkadirjo85 on May 24, 2011

Hi..,

You already know that Spend Less..Save More.. is my motto, right? I believe with this motto, I’m sure be able to survive to weathering tough economic times both in the year 2010 and the years ahead. Does anyone hasn’t read my posts about this? Just check it here : SPEND LESS..SAVE MORE.. & A Frugal Lifestyle.. So, here’s tips as an application of my motto in my daily life :

  1. I hardly ever dining out now.
  2. I hardly ever go to barbershop, just let my wife do the cutting of my hair..& it was not bad..:)

These tips are very good and apply to my situation, but not all. My suggest is read my posts, study all the tips and decide yourself which tips apply to yours and let the rest fly.

Since I work as apotheker in cosmetic industry , usually I read many articles including formulation and business in cosmetic. Lately, I just find out that with the same function, the product could be differ significantly in price. In other word, we can have the same result with the cheaper product. I try to gather these articles and resume so we can have better perspective and aware of such things, ie. get the same result with the cheaper product.

Another Spend Less.. Save More..in cosmetics.. 🙂

The question is why people often don’t get the best quality of cosmetics for the amount they spend? Even sometimes they buy products that don’t work at all! Well, we are not realize of the mislead beauty myths that preoccupied our mind already, that trick us into spending more than we need to. These myths are all sound good. However, we have to be aware of if we want to be a smart shopper. Here’s just the 7 biggest beauty myths to be bust off :

1. If we pay more for a product, we should expect it to work better.

2. Beauty product advertising means exactly what it says.

3. Products from Multi-Level Marketing (MLM) companies have better   technology than drugstore or supermarket products.

4. Experts like stylists and dermatologists know the best products for your hair and skin.

5. If you spend enough money, you can find the right product to solve any skin and hair problem.

6. Chemicals are bad for your body, so you need to spend more on natural/ organic products.

7. Health food supplements will give you more beautiful hair and skin.

The beauty industry is a confusing combination of real cosmetic science and fictional marketing stories. To some extent one couldn’t survive without the other. The problem is that when a company leans too far to the marketing side, the customer may suffer. The exaggerated emphasis on making product look and sound better than they really are makes it tough for us to know what’s real and what’s not.

So, we have to be alert to three ways beauty brands baffle our brain :

1. Fooled by formulas. Sometimes companies use the same formula across different products, or even across different brands. One product is more expensive than other with the same formula !!

2. Confused by claims. A claim is any statement that a company makes about the properties of its product. ‘Long lasting lip color’, ‘5x stronger hair’, ‘reduces the appearance of wrinkles’ are all examples of claims. A cleverly written claim can imply the product does MORE than it really does to entice us into buying it.

3. Puzzled by packaging. By selling the product in more upscale packaging will convince the customer to pay more. It’s human nature to assume that if a product looks more prestigious than it will perform better. Our brain is easily tricked by packaging!

If you interested more get the article here How To Save Money On Beauty Products  

Later, we’ll see examples products cost higher but no guarantee of better achievement than cheaper one, straight from the inside experts who actually make these products.. more technically so if you’re not a chemist/apotheker it would be rather difficult..

1. Kiehl’s Rare Earth Facial Mask.

Customer Point :

If you have not tried the Rare Earth skincare line yet, this is a great time to try it. As a gal with oily skin who is not a fan of her pores, this product line targets them to pull all the toxins and gunk out of your pores. What’s not to love?

Experts Respond :

We should comment on this post from Product Girl on Kiehl’s Rare Earth Facial Mask. While we agree that Kiehl’s makes great products, they always seem over priced to us. Is there a way to get the same benefits for less money?

Kiehl’s Rare Earth Ingredients ($22 for 5 oz.)

Water, Kaolin, Bentonite, Glycerin, Propylene Glycol, CI 77891, Zea mays, Phenoxyethanol, Polysorbate 80, Tocopherol Methylparaben Lecithin Retinyl Palmitate, Allantoin, acetyl methionine, Serica, Avena sativa, Prunus armeniaca, Persea gratissima, Triticum Vulgare, Guaiazulene, TBHQ, aloe barbadensis leaf extract.

Cautious clay

The most important ingredients in facial masks are the clays that produce the drying, tightening sensation. There are two basic types and Kiehl’s has them both: Kaolin clay (aka China clay or White clay) is very mild and is used for both sensitive skin and dry skin. It is good for use in masks because it does not expand with increasing water content. However, using too much Kaolin can make the product feel gritty.

Bentonite clay (a combination of montmorillonite and volcanic ash) is very absorbent and is best suited for oil skin. It doesn’t dissolve in water but it will absorb enough to swell to about eight times its weight.  However, large amounts of Bentonite will make the mask take longer to dry. In small quantities it helps make the mask more elastic.

The best mask formulas use a blend of both of these ingredients.

Queen Helene Mint Julep Masque Ingredients ($6.99 for 12 oz.)

Water, Kaolin, Bentonite (CI 77004), Glycerin, Zinc Oxide, Propylene Glycol, Sulfur, Chromium Oxide Green (CI#77288), Fragrance (Parfum), Phenoxyethanol, Methylparaben.

As you can see, both products have a blend of Kaolin and Bentonite.  But Kiehl’s is almost 9 times more expensive Queen Helene! At that price, the best use for this product may be to wear it as a face mask when you rob a bank so you can afford by buy more. (Just kiddin’, kind of.) But seriously, at that price, the cheaper alternatives, like Queen Helene, are at least worth a look.

2. Juice Beauty Moisturizer.

Customer Ask :

Does any one know some about Juice Beauty? I’m looking for a new mosturizer, but I don’t really know what to buy I don’t want something extremely expensive.

Experts Respond :

If you are looking for a new moisturizer but don’t want to spend a lot of money then Juice Beauty is not the product for you. Based on the ingredient lists and the marketing story, Juice Beauty products appear to be a bit over-priced for what you get. Of course, this is true of most facial products.

Juice Beauty Moisturizer

At $36 for 2 ounces of product Juice Beauty moisturizer is only about 50% more expensive than a store brand like Olay or Neutrogena. But is it 50% better? To figure this out we need to look at the ingredients and the marketing story.

Juice Beauty Ingredients

Here is the ingredient list for their nutrient moisturizer.

organic juices of vitis vinifera (white grape) juice, daucus carota sativa (carrot) juice & aloe barbadensis leaf juice, organic botanical extracts of calendula officinalis flower, matricaria chamomilla flower, tilia europea (linden) leaf & rose canina (rosehip) fruit, glycerin, organic plant oils of butyrospermum parkii (shea butter) & simmondsia chinensis (jojoba) seed, organic essential fatty acids of oenothera biennis (evening primrose), linum usitatissimum (linseed) seed & borago officinali (borage) seed, organic honey, vitis vinifera (grape) seed oil, organic algae extract, squalane, limnanthes alba (meadowfoam) seed oil, tocopheryl acetate (vitamin E), retinyl palmitate (vitamin A), magnesium ascorbyl phosphate (vitamin C), panthenol (vitamin B5), hyaluronic acid,hydroxypropyl starch phosphate, glyceryl stearate, potassium sorbate,phospholipids, beta carotene, palmitic acid, stearic acid, cetearyl glucoside, xanthan gum, disodium edta, sodium hydroxide, benzyl alcohol, phenoxyethanol, litsea cubeba (may chang), cananga odorata (ylang ylang), boswellia carterii (frankincense) & commiphora myrrha pure essential oils.

I have to give them credit, they sure pack a lot of ingredients into their formulas. But this is the first red flag. In fact, it could be a basic  belief.

“Beware of long ingredient lists”

You don’t need a lot of ingredients to make a good moisturizer so when you see a long list you can be fairly certain that the company is trying to trick you. Why have carrots, aloe, grape juice, rose hip, jojoba, linseed, ylang ylang and more? Is this a martini, a salad or a moisturizer?..hahahaha…

Of the nearly 40 ingredients in the formula, only about 12 of them are actually making the product work. Those are the thickeners (hydroxypropyl starch phosphate, xanthan gum), and the “fatty/oily/moisturizing” materials (palmitic acid, stearic acid, cetearyl glucoside, glycerin). Other cosmetic ingredients like sodium hydroxide, benzyl alcohol, phenoxyethanol & disodium EDTA are for preservation and formula adjustment. All of these ingredients can be found in less expensive store brands.

The rest of the ingredients are marketing fluff to make you think the product is worth more.

Juice Beauty story

On their website, Juice Beauty has the quote “Buy it because it’s organic…use it because it works.” They then go on to explain why “organic” is better than “non-organic” in an interesting Question and Answer section. In reality, no one has ever shown proof that using “organic” ingredients in skin care products will make them work any better or be any safer for you. It’s one of those things that might feel better even though it’s not.

Juice Beauty moisturizer contains ingredients proven to help moisturize your dried out skin. But these ingredients are the same ones you’ll find in less expensive store brands so you might want to try those products first. While Juice Beauty moisturizer is 50% more expensive, it’s not 50% better.

3. WEN®

Customer Ask :

This line of cleansing conditioners by Hollywood stylist Chaz Dean says that sulfates in most shampoos can be very damaging and stripping to hair and this cleansing conditioner cleans hair without stripping it. Can hair really be better off in the long run by cleansing with a conditioner? And if it does work, will a regular drugstore conditioner produce the same effect?

Experts Respond :

First of all, the idea of cleaning your hair with conditioner is not new and was not invented by Chaz. And no, he’s not using any kind of revolutionary technology. Let’s take a look at the ingredients

Wen ingredients

Water, glycerin, cetyl alcohol, rosemary leaf extract, wild cherry fruit extract, fig extract, chamomile extract, marigold flower extract, behentrimonium methosulfate, cetearyl alcohol, stearamidopropyl dimethylamine, amodimethicone, hydrolized wheat protein, polysorbate 60, panthenol, menthol, sweet almond oil, PEG-60 almond glycerides, methylisothiazolinone, methylchloroisothiazolinone, citric acid, essential oils.

Looking at just the functional ingredients (leaving out extracts, preservatives, pH adjusters, ) leaves the following:

glycerin, cetyl alcohol, behentrimonium methosulfate, cetearyl alcohol, stearamidopropyl dimethylamine (SADMA), and amodimethicone

These are very common conditioner ingredients. Here’s what they do: Glycerin can provide moisturization in a leave on product, but it doesn’t do anything for hair when it’s rinsed out. Cetyl and cetearyl alcohol are thickening and emulsifying agents are are used to make a conditioner rich and creamy. Because they`re oil soluble they could, in theory, help lift some of the sebum of your hair and scalp. Behentrimonium methosulfate, SADMA, and amodimethicone are very effective conditioning ingredients because they deposit on the hair.

Cleansing capability

Could you clean your hair with this product? Sure, if your hair isn’t very dirty this could work pretty well. But so could any basic conditioner. In fact, I’d look for a conditioner that doesn’t have any silicone in it, just to make sure it leaves as little on your hair as possible.

But what if you have greasy hair, or if you use hairspray, mousse gel, or putty? Then cleansing conditioners are not a very good idea. They don’t have enough cleansing power to remove gunk from the hair. Chances are that cleansing with conditioner will leave your hair feeling dirty and weighed down.

If you’re really worried about drying your hair out from over-shampooing, there’s nothing wrong with skipping your shampoo and just rinsing with conditioner once in a while. But you don’t need to spend $28 on a special product. A nice inexpensive drug store brand will do the same thing.

4. Penders products.

Customer Say :

 I’ve been told the new Paul Penders Natural Organic Products are better because they’re cold processed. Is this true?

Experts Respond :

If you’re worried about truthfulness in Penders products, cold processing is the least of your concerns. There’s so much exaggeration involved with this line I don’t even know where to start. But I guess I’ll force myself.

Penders products

First, for those of you who might now know, Paul Penders is based in theNetherlandsand has been selling natural cosmetics for over 35 years. There’s certainly nothing wrong with that but when a company makes claims that seem to be without a solid scientific foundation I feel compelled to comment.

Chill pill

I’ll begin with the cold processing comment. According to his website, Penders says normally, cosmetics are heat processed in temperatures that can exceed 40 degrees C. But this type of processing can significantly diminish the effectiveness of many active ingredients. While it’s true that some cosmetics are heated above 40 degrees C, that isn’t necessarily a problem.  That’s because not all ingredients are heat sensitive and for those that ARE, all you have to do is add them to the formula after it cools down. Problem solved. Cold processing sounds good, but it’s really just a marketing gimmick.

Silver bells and whistles

The next big issue in my mind is the emphasis on natural raw materials. Besides a host of extracts, the products contain colloidal gold and silver that actively and naturally sustain healthy skin. That’s just ridiculous. There’s no evidence that gold or silver is beneficial for skin in the context of typical cosmetic benefits (Silver does have certain anti-microbial but that’s another story.)

Penders also claims that all of the new Natural Organic Products are holistically and ethically produced, with no chemical colors, foam-boosters, emulsifiers, or harsh preservatives. At a glance, at least one of these claims is not quite true: his Natural Organic Low Suds shampoo uses laureth decyl polyglucose, a corn-derived surfactant that is most certainly used to boost foam. But hey, it’s got 22 natural herbs and it’s only $17.00 per bottle, that’s less than $1.00 per herb!

Finally, we’re not sure what holistically produced products are, but we question the ethics of fear-mongering and misleading consumers with overpriced promises. Extraordinary claims require extraordinary proof. If Pender has evidence of efficacy of these natural ingredients we’d be glad to review it.

5. OC8 Oil Control Genius.

Customer’s Curious :

I was wondering if you could tell me about the product OC8 Oil Control Genius. It says it has “ACRYSORB micro-particles” (which sounds like a marketing gimick to me), and it absorbs only the excess oil on your skin. I’m just wondering if it really does absorb the excess oil like it says it does. And if it is absorbing oil, like it says it is, and it’s all sitting on your skin, would this cause acne?

Experts Respond :

Acrysorb sounds like Marketing hype to us too! Let’s take a closer look:

Ingredients

Purified water, Acrysorb (brand of acrylates copolymer), propylene glycol, PEG-400, carbomer 940, sodium hydroxide, methylparaben, and disodium EDTA.

The last two are easy: methyparaben and disodium EDTA are simply preservatives. The PEG-400 and Carbomer 940 are thickeners; the sodium hydroxide is a neutralizing agent for the carbomer (that’s what makes it get thick). The propylene glycol provide some humectant properterties and finally the Acrysorb (which is just their trade name for a type of acrylate polymer, is in the formula to absorb oil as they suggest.)

Anti-oil

Is this kind of absorption possible? Well, there are certain types of acrylate copolymers that can absorb oil. So theoretically, this kind of product could “trap” some of the surface oil on the skin and make your skin feel less greasy. That should not contribute to acne breakouts, however, because oily skin is not the only cause of acne. You also need bacteria and clogged pores.

But while it could work in theory, we doubt that it could absorb enough oil to really make a difference on your skin. To be fair, we haven’t actually tested it so we can’t say for sure.
6. Stila Hair Refresher.
Customer Ask :

Is Stila Hair Refresher anything more than thirty-dollar talcum powder?

Experts Respond :

Actually, this Stila product is not a $30 bottle of talc powder. It’s a $28 bottle of CORNSTARCH powder. Ok, to be fair they also throw in a little silk and tapioca starch, but for the most part it’s just cornstarch. (Aren’t you glad you watched our amazing cornstarch video. What, you didn’t watch it? Shame on you!)

Anyway, the product also contains fragrance to make it smell nice, a little silica to prevent caking, and a bunch of preservatives which it doesn’t really need since there’s no water in the product.

Does it work? Well, it sure smells nice and it will absorb some oil from your hair but there’s no special technology in the formula that makes it work better. We just can’t imagine that it’s worth this much money. Still, some of the people over at Makeup alley rave about it. To each her own!

Ingredients:
Corn starch, silk powder, tapioca starch, mica, silica silyate, fragrance, benzyl benzoate, methylparaben, ethylparaben, propylparaben

7. Phytospecific Vital Force Cream Bath.

Customer Ask :

if one of Oprah’s favorite products, Phytospecific Vital Force Cream Bath, is good for ethnic hair and if it’s worth the money..
Experts Respond :
In our answer we explained why ethnic hair needs special treatment. We’ll talk about what this product is supposed to do and what it really does but first let’s address some of the comments from the previous post.

Some questioned why we used the terms “ethnic hair” and “distorted” hair shaft. We didn’t choose these terms to be judgmental or prejudiced – these are simply terms commonly used in the cosmetic industry to describe this type of hair. “Ethnic” is just the short hand to describe African or Afro-American hair. “Distorted” just means that the “bean” shaped cross section of this type of hair is different from the uniformly circular cross section that some hair has.  We forget sometimes that not everyone has the same vocabulary as those of us in the industry do and we apologize if that caused anyone concern.

Ok, now let’s take a look at the product:

Phytospecific ingredients

A quick review of the ingredients reveals a rich, although somewhat standard, mixture of conditioning ingredients. These use 4 different conditioning quats, (most conditioners only use 1 or 2); 2 types of silicones (but notably lacking in dimethicone, the most effective silicone conditioner); and 4 different natural oils (shea butter, jojoba, sesame and castor) that probably don’t do anything because of their low concentration and lack of substantivity. Finally, there are a few featured ingredients like keratin and panthenol that don’t add significant functionality.

What is this miracle product supposed to do? According to their website:

This unique blend of plant oils and Shea butter meets the needs of sensitized hair that has been made porous through chemical treatments or damaged by excessive styling. Brimming with highly nourishing and hydrating active ingredients, it penetrates to the core of the hair to rebuilt its natural defenses, strengthen brittle hair fibers and regenerate the scalp.

While much of the wording is advertising jargon, this product should be good for porous damaged hair. It will not, however, regenerate your scalp.

Keratin amino acids, Panthenol and Tocopherol, and anti-oxidant, help protect from external stress factors, prevent the formation of spit ends and maintain quality straightening results.

These ingredients are not really functional in the formula. They’re only there to increase the marketing appeal of the product.

Formulated under medical control and subjected to effectiveness tests, they ensure visible and long-lasting results from the first use.

This is a nice piece of marketing hype. Cosmetic products aren’t formulated under medical control although they may be medically tested to make sure they are non-irritating. Therefore, this claim doesn’t mean much.

Is Phytospecific a good product? Based on our review of the ingredients, it appears to formulated with a lot of good stuff. But $32 bucks for 6.76 fl ounces seems a bit steep, even for a good conditioner. While it appears to be an effective formula for ethnic hair, there’s no new technology here that justifies that high of a price. You can find other good conditioners much cheaper. Motions products, for example, are very good for the price.

8.Sense facial care.

Customer’s Question :

 I’ve been using the Sense facial care product line from Usana for quite a bit a time now, and I can say they have the best products I’ve used. They have quite a lot of plant extracts in their formulas, but after reading your blog for a long time, they probably do not work. So what is it that makes the products work so well?  Is the cleanser gentle because it has no SLS in it? And does the wax beadlets in the Rice Bran Polisher better than synthetic microbeads in normal skin exfoliators?  And finally (phew!) does the Perfecting Essence really do anything? Also, I hope you guys can give me some information on cheaper products that are compatible with these more expensive ones.

Experts Respond :

Whew! You asked for a lot of information; I’ll try to give you some simple answers.

Gentle Cleanser

This formula does contain mild functional surfactants such as sucrose cocoate and PEG-7 glyceryl cocoate. But it also contains foaming ingredients like yucca and soapwart that are in the formula because they sound good, not because they are very functional. Similarly, it contains natural extracts that sound good but which don`t really have any benefit in a rinse off cleanser, like Green tea leaf, Clary sage, and soybean protein.

Rice Bran Polisher

There’s nothing magical about wax beadlets. I’ve seen good products formulated with wax beads, synthetic microbeads, and even natural abrasives like walnut shells. It just depends on the type of exfoliation that you like.

Perfecting Essence

This product makes some outrageous claims about providing skin tissue building blocks. It may be a perfectly fine moisturizer, but I wouldn’t expect much more than that.

Finally, there are many cheaper products out there for you to try, you really don’t have to worry about whether or not they’re compatible. It’s really more a question of your taste, budget, and what works for your skin.

9. The Original Little Sprout line of baby products.

Customer Write :

I just got married AND I have a new baby. My friends told me to try “The Original Little Sprout line of baby products but, even though my husband Tom says we can afford it, I wonder if it’s really worth the money. What do you think?

Experts Respond :

As a rule, we find that cosmetics for celebrities (baby or otherwise) are over-hyped and over-priced. The Original Little Sprout line doesn’t appear to be much different.

Little Sprout Science

We looked at several products including their “2 in 1 Soft & Clean BABY SHAMPOO & BODY WASH” ($13.98 for 8.5 oz) and we weren’t impressed. While their website assures us that “An exquisite mixture of SOOTHING BOTANICALS leave your Little Sprout’s hair & skin ultra soft, nurtured & clean” a review of their ingredients reveals a pretty standard baby shampoo type formula. And as we’ve said MANY times – botanicals don’t really do squat! Here’s how they list theiringredients (complete with their spelling errors!):

Little Sprout ingredients

Aqua (WATER,Cocamidoproplye Betaine (FROM COCONUTS & BEETS), Sodium sweetalmondphoacetate (FROM ALMONDS) Sodium lauroyl Glutamate (MILD CONDITIONER & ANTIOXDIDANT) Decyl Glucoside (GENTLE SURFACTANT) Sunflowerseedamphoacetate (from SUNFLOWER OIL) peg 150 distearate, methylisothiazolinone-mild preservative,Methylchlorothiazolinone (E.U. APPROVED PRESERVATIVES).

It’s hard to fully decipher their ingredient list because of multiple spelling errors and their use of incorrect ingredient names. (They even misspelled “anti-oxidant.” As scientists, it’s hard for us to support a company that can’t even spell the names of their ingredients correctly. We hope they’re not that sloppy when formulating their products!! But we digress…)

Basically, it’s a baby shampoo. Instead of sodium or ammonium lauryl and laureth sulfates (which most shampoos use) this product uses the same basic ingredients as other baby shampoos: amphoacetate, decyl glucoside, and glutamates as primary cleaning agents and PEG-150 distearate to thicken and boost foam.

Is this a good shampoo for babies? Yes, it appears to be. Is it in any way better than a regular baby shampoo that costs much less? Not technically speaking. We do have one good thing to say about their formula, however: it’s fragrance free. So if your baby is particularly sensitive to fragrance, then this product could have an advantage. But it’s really rare for that to be a problem. For the most part, they`re trying to mislead you by cashing in on a fear of chemicals that’s based on bad science. They even make a big deal out of their products being paraben free when there’s no proof that parabens are bad in the first place (Go read our post on the perils of parabens for the true story on that topic!)

Do you need to be cautious about the products you use on infants? Certainly! But you don’t need to spend a lot of money to be careful. On the other hand, if you’re the kind of person that wants to impress other women by using the same thing on your baby that Angelina Jolie uses on little Maddox, or if your goal is to be like Courntey Cox, Debra Messing, Brooke Shields, and other Hollywood types who are Little Sprout Devouts, then go for it. But we would rather skip the extravagant celebrity-hyped products and start saving for college!

10. Redken’s All Soft conditioner.

Customer Speak :

Nothing makes my wavy hair feel as great as using Redken’s All Soft conditioner and I want to know why. I accept that this may be my fate, but I’m not really delighted by spending that much money on conditioner when I swear by cheap shampoo. I aspire to be a beauty brain, so I looked at the ingredients of the $12, 250mL bottle and compared them to the 80-cent, 590mL bottle of White Rain regular conditioner I got at the discount store.
Expert Respond :

Wow, thanks for one of the best product analyses we’ve seen. We love it when our loyal readers catch the scientific spirit of what we’re trying to do. For everyone else to see, here’s how she laid out the problem:

Customer’s Suppositions

White Rain ingredients
Water, cetyl alcohol, dicetyldimonium chloride, sorbitol, phenosyethanol, stearyl alcohol, stearamidopropyl dimethylamine, ceteareth-20, behenyl alcohol, fragrance, citric acid (Not many ingredients but they all sound familiar after reading your site for awhile.)

All Soft ingredients
Water (Aqua), Behenalkonium Chloride, Glycerin, Cetearyl Alcohol, Propylene Glycol Ceteth-3 Acetate, Cyclopentasiloxane, Cetyl Alcohol, PEG 100 Stearate, Glyceryl Stearate, Fragrance, Phenoxyethanol, Cetrimonium Chloride, Dimethicone, Guar Hydroxypropyltrimonium Chloride, PPG-5 Ceteth-10, Methylparaben, Ethylparaben, Propylparaben, Disodium EDTA, Taurine, Oleth 10, Disodium Cocamidoproprionate, Lecithin, Phosphoric Acid, Wheat Amino Acids, Hydrolyzed Soy Protein, Avocado/Persea Gratissima, Hydroxypropyl Trimonium Hydrolyzed Wheat Protein, Trehalose, Arginine HCI, Orange No. 4 (CI 15510), Yellow 5 (CI 19140)

So the marketing folk at Redken say that Avocado Oil = softness & moisture; Proteins = help strengthen; and Amino Acids = deep conditioning. But I say, looking at the ingredients, it’s got to be the glycerin. Avocado and proteins are pretty far down the list, and glycerin doesn’t show up in other conditioners, not even in most of Redken’s own other formulas (and nowhere near as high in the ingredient list). Glycerin is moisturizing, So my question is, a) am I right? Is it glycerin that makes my hair rock? If so, then b) what is it doing to rock so hard? And c) how likely am I to find cheaper brands that have it in the first five ingredients?

The real deal

Now, let us help you understand even better by dissecting the ingredients in Redken one by one.

  • Water – the solvent that acts as the carrier for all the other ingredients.
  • Behenalkonium Chloride – a long chain fatty conditioning agent, good for classic conditioning and moisturization.
  • Glycerin – not really functional in rinse off conditoners because it rinses down the drain. (So sorry, but you were wrong about that part!)
  • Cetearyl Alcohol – a thickener/emulsifier that is really a blend of cetyl alcohol and stearyl alcohol.
  • Propylene Glycol Ceteth-3 Acetate – an emulsifier.
  • Cyclopentasiloxane – a type of silicone used as a light conditioner and spreading agent.
  • Cetyl Alcohol – thickener/emulsifier.
  • PEG 100 Stearate, Glyceryl Stearate – more emulsifiers
  • Fragrance – mmmm, smells soft.
  • Cetrimonium Chloride – an inexpensive traditional conditioner. Works well with the Behenalkonium chloride.
  • Dimethicone – a type of high molecular weight silicone that gives a protective layer on hair.
  • Guar Hydroxypropyltrimonium Chloride – good, mild conditioner made from guar beans.
  • PPG-5 Ceteth-10 – yet another emuslifier.
  • Phenoxyethanol, Methylparaben, Ethylparaben, Propylparaben, Disodium EDTA – preservatives
  • Disodium Cocamidoproprionate – a surfactant that helps disperse the other stuff in the formula.
  • Taurine, Oleth 10, Lecithin, Wheat Amino Acids, Hydrolyzed Soy Protein, Avocado/Persea Gratissima, Hydroxypropyl Trimonium Hydrolyzed Wheat Protein, Trehalose, Arginine HCI, – basically featured ingredients that don’t add much, if any, efficacy to the product. Interestingly, Trehalose is a wood fiber that supposedly can replace silicone as a conditioning agent. We’ve tried to make formulations with it and could never get it do to a damn thing!
  • Phosphoric Acid- controls the pH.
  • Orange No. 4 (CI 15510), Yellow 5 (CI 19140) – colorants.

Alright, there you have a complete analysis of what each ingredient in the formula does.

Rock and/or roll

Which one makes the formula “rock,” as you so eloquently put it? Well, it’s certainly NOT the glycerin, that pretty much rinses off. It’s also not the avocado oil or other ingredients that Redken mentioned. It’s really the multiple conditioners in the formula but if we had to pick one or two we’d say it’s the combination of the Behenalkonium Chloride and the Cyclopentasiloxane.

11. Arbonne Skin Moisturizing.

Customer Ask :

Take Arbonne Skin Moisturizing lotion for example…

Expert Respond :

Ingredients Arbonne Skin Moisturizing lotion:
Water, Carthamus Tinctorius (Safflower) Seed Oil, Glyceryl Stearate, PEG-100Stearate, Aloe Barbadensis Leaf Juice, Cetearyl Alcohol, Ceteareth-20,Glycerin, Butyrospermum Parkii (Shea Butter) Fruit, Althaea Officinalis RootExtract, Chamomilla Recutita (Matricaria) Extract, Taraxacum Officinale(Dandelion) Extract, Glycyrrhiza Glabra (Licorice) Extract, Rosmarinus Officinalis (Rosemary) Leaf Extract, Salvia Officinalis (Sage) Leaf Extract, Retinyl Palmitate, Ergocalciferol, Tocopheryl Acetate, Panthenol, Prunus Amygdalus Dulcis (Sweet Almond) Oil, Olea Europaea (Olive) Fruit Oil, Zea Mays (Corn) Oil, Persea Gratissima (Avocado) Oil, Rosa Damascena Flower Oil, Stearic Acid, Cetyl Alcohol, Ethylhexyl Salicylate, Polysorbate 60, Carbomer, Disodium EDTA, Dimethicone, Quaternium-15, Triethanolamine

And if we get rid of all the “fluff” ingredients that don’t have a major impact on the formula, the ingredient list looks more like this…

Water, Carthamus Tinctorius (Safflower) Seed Oil, Glyceryl Stearate, PEG-100Stearate, Cetearyl Alcohol, Ceteareth-20, Glycerin, Butyrospermum Parkii (Shea Butter) Fruit, Stearic Acid, Cetyl Alcohol, Ethylhexyl Salicylate, Polysorbate 60, Carbomer, Disodium EDTA, Dimethicone, Quaternium-15,Triethanolamine

This is a standard lotion complete with water, fatty alcohols, oils, emulsifiers, thickeners and preservatives. All of the natural sounding ingredients are added to boost the image of the product and do not actually do anything.

Ingredients that do have an effect like Glyceryl Stearate, Cetearyl Alcohol, Glycerin, Stearic Acid & Carbomer are the same ingredients found in store brands like Jergens. Here’s the list of the Jergens Extra Dry Skin Moisturizing lotion

Water, Glycerin, Cetearyl Alcohol, Glyceryl Dilaurate, Ceteareth-20, AluminumStarch Octenylsuccinate, Dimethicone, Fragrance (Parfum),Cyclopentasiloxane, Stearic Acid, Methylparaben, Propylparaben, DMDM Hydrantoin, Petrolatum, Mineral Oil (Paraffinum Liquidum), Cetyl PGHydroxyethyl Palmitamide, Allantoin, Carbomer, Sodium Hydroxide

While these formulas are not identical, they do use similar technology and will essentially work the same.

If two products work the same but one costs less, why wouldn’t you buy the less expensive product? If you want to save money, you should.

12. Dr. Perricone’s Neuropeptide Firming Moisturizer.

Customer Ask :

Dr. Perricone’s Neuropeptide Firming Moisturizer sells for $280 for 2 ounces and claims “…to help firm,lift and tone sagging skin while correcting the appearance of deeplines and wrinkles.”

Experts Respond :

If you look at the ingredients of the product…

Aqua (Water), Isopropyl Palmitate, Taurine, Cetearyl Alcohol, L-Tyrosine, Phosphatidylcholine, Ceteareth-20, Glyceryl Stearate, PEG-100 Stearate, Dimethyl MEA (DMAE), Dimethicone, Phenoxyethanol, Caprylyl Glycol, Pyridoxine HCl, Disodium EDTA, Elaeis Guineensis (Palm) Oil, Tocotrienols, Sorbic Acid, Tocopherol, Sodium Hyaluronate, Acetyl Hexapeptide-8 (Neuropeptide), Parfum (Fragrance)

We see that it contains standard ingredients like emollients, fatty alcohols, emulsifiers, and all the other things you find in much less expensive products. The special ingredients that are pointed out such as DMAE, Phospholipids and Tocotrienols have not been sufficiently proven to have a noticeably beneficial effect when delivered from a topical skin lotion.

So that’s it.. if you have comment, write down below.

andriantoangkadirjo85 bottom line

– Spend Less..Save More..In Cosmetics really an interesting topic as we learn that many cosmetics are more expensive than the other with the same function.

– If we don’t want to get tricked, just be a critical shopper. Read the ingredients at the bottle/box, studying them, than compare with other products at the discount store/drugstore.

– There are many beauty myths that preoccupied our brain that need to be bust off.

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A Frugal Lifestyle..

Posted by andriantoangkadirjo85 on March 19, 2011

Hi,

This is just another Spend Less…Save More… article.  It is apparently that Spend Less…Save More…. is a very great motto. It is really the easiest way to ensure our financial security in the future. A frugal lifestyle is just another example of this Spend Less…Save More….


What is a frugal lifestyle really mean? It means controlling spending by not living flamboyantly and doing as much as possible for yourself. Here just some very common sense tips to live frugally that anyone can do :

– Cutting your family’s hair.

– Making your own toys & clothes for the kids.

– Having a vegetable garden.

– Never eating out.

– Seeing movies at the second run theater.

– Taking advantage of free local entertainment instead of pricey venues.

– Driving older cars.

– Buying second hand furniture or refinishing existing furniture.

– Living in a modest sized house in an older neighborhood.

– Wearing out clothes instead of buying new every season.

– Completely eliminated credit card & other consumer debt.

Ooops, don’t make a harsh criticism… I think all this tips are good. But every tip won’t apply to every situation, so take what applies and let the rest fly. Like mine, used to go to barbershop, now I let my wife do the cut & it was not bad. For people with limited assets, they need to build something so they can move on to more substantial financial planning.

Well, all this saving money doesn’t do a bit good without some sort of saving plan. First of all, I just emphasize of avoiding HIGH YIELD INSTRUMENTS (such as stocks, future trading, offshore funds, etc).  It would be a tragic, that after living frugally and saving money, at last the money was gone because of HIGH YIELD INSTURMENTS. The stategies include :

– Having a percentage of your paycheck deposited into a saving account every payday.

– Buying a money market fund eg. CP, bond (no stocks) for a short time.

– Once enough cash has saved up, BUY AN ASSET !!! It could be a property, land or gold.

– Buy insurance just for our retirement witholding (usually got life insurance as bonuses).

I’m still struggling right now, as many people are today and haven’t figure out better financial condition yet. But I got optimism, by Spending Less..Save More..sooner or later I will be able to build up my financial condition.

andriantoangkadirjo85 bottom line

WATCH OUR SPENDING so as to free up more money for savings.

– Should HAVE GOOD SAVING PLAN for the saving money.

NEVER GET TEMPTED TO PUT  MONEY IN HIGH YIELD INSTRUMENTS.

So, what do you think about this posting? If you like, you can write a comment below.

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Returning to the workforce from a long hiatus….

Posted by andriantoangkadirjo85 on March 10, 2011

Hi, how’re you guys ? Hope everything’s fine. As long as we’re always be aware & be prepare, life will be much more easier, more pleasant to live.

This time I’m sharing about my job-experiences which I believe have some values deserve to be share.

Ok, after graduated from school of pharmacy in 1992 & got title in pharmacy as an apotheker, I got a job as a staff in QC at PT. Bernofarm Indonesia, Sidoarjo. I was given an assignment to take care of new drug registration to the government. Also to standardize the raw material using instruments such as UV & IR Spectrophotometry, HPLC. Because of personal matter & without deep consideration, after 8 month, I quit ! Then, I went to Bandung to find a job there. After 2 weeks there, I was hired by PT. Sanbe Farma as an assistan manager in production. It was no. 1 in ethical market share in Indonesia. Here, I learned about production. They made all kinds of preparations, including tablet, coated-tablet, syrup, dry-syrup, semi-solid,  injection etc. Most of them were fast-moving items. It was a prestigious position at that time. After 4 months, something happened! Then, I quit. This time, I thought I was a bit lucky. I got the job immediately in Jakarta, at PT. Triyasa Nagamas Farma. The factory was located at Pulogadung Industrial Estate. I was also hired as assistant to production manager. A good job, actually. But I was still not aware of everything that was happened. They produced contraception pills. The product was specialized but the facility was very good. They used closed/continuous process. My last assignment was to supervise the commissioning process of the blister machine which was just bought from German. Again in the count of months, I resigned again. Not really aware what was really happened. From the time I worked at PT. Bernofarm and the last job interval was not more than 2 years, may be just 15 months…… Then, I returned to Surabaya. It was about 1994 and found job at PT. Dasa Esa Farma. Because of my experiences, I could handle the factory. They produced mainly sterile preps, eg. injection, eye-drops. This time, I could stay almost 1 year ( A RECORD ), until early 1995. Then, I was resigned because the factory moved to Gresik.  Suddenly, I decided to start my own business. Without deep consideration about the capital, prospect, experiences, etc I joined with a friend to open an apotek. The location was at Pondok Tjandra Estate, Sidoarjo. The name was ANDRIAN FARMA. It was May 1995. At first, the business was good. The cash flow was good also. I was as PSA and APA. There were also 2 assistant & 2 receptur. Not until the year 1998, when there was an economy recession. After that, practically my apotek couldn’t stand the burden. Moreover about the tax problem. After hold out the situation, finally in 2002 I closed the apotek (after 7 years). At this point, I thought I still didn’t aware what was going on. The next 7 years periode even worse. I decided not to work in pharmacy but in finance, because I thought the money was good. I started to sell investment products instead of those pharmacy things. I spent almost 7 years in investment things until 2009. Honestly, there was a good-periode where I could earn good cash from the commission, but finally I lost everything. Depressed, hurt, confused, I decided not to waste my time again. I wanted to back to pharmacy. But there was a huge obstacle this time. I was 43 years old, I had wasted almost 14 years (from 1995-2009). Most of the job requirement specified the age not more than 30 years old.. At last, after persistent effort, in April 2010, I got a job as Apotheker in a cosmetic industry. A field in pharmacy I never imagined to be deal before ( I expected to back in pharmaceutical industry or apotek ). I started from ZERO because I had left the pharmacy science for almost 14 years. I had NOTHING in my mind about cosmetics. But thanks to the INTERNET. They provide everything. So everyday I tried to catch up my retarded knowledge in pharmacy science mostly in cosmetology. Right now, in 2011, a year later, I had focused almost a year in cosmetic things. Thanks to God! Hopefully, with all of the experiences before, I hope I can focus, persisten, perseverant and success.

andriantoangkadirjo85  bottom line

– If the family DOESN’T HAVE business, tell our children to go school (get extra skill),  learn well, graduated with cum laude. Then find a good job, be patient, persisten , perseverance and succees in the job. Get a good salary, make savings. After get the experiences, got savings & have enterpreneurship, tell to start own business. Actually THIS IS THE PATTERN RIGHT NOW TO SUCCESS. ( a bit different from the 60’s – 70’s periode).

– This is important that SOMEONE GET SOMEONE ELSE TO TELL, especially children got from their parents. If not, may be the situation will be the same with me. NOT AWARE OF EVERYTHING. Until evertything has GONE WORST.

– At last NEVER SURRENDER. NEVER TOO LATE FOR A CHANGE. ALWAYS FIGHT. NEVER EVER LIVED AS A LOSER.

So what do you thingk ? If you have experience pls write down your thought. If you just aware after read this article, pls left comment too.

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SPEND LESS..SAVE MORE..

Posted by andriantoangkadirjo85 on March 8, 2011

Lately, I just found good article in Yahoo!Finance about How We’re Spending Less , Saving More so that we can survive to weathering tough economic times both in this year and the years ahead.

The author explicitly told about the bills a family can’t avoid such as housing cost (electricity, phone,water), transportation, groceries. But there are also spendings that can and should be trimmed such as dining out, entertainment, vacation, etc.  She also explain about the difference between need & want. Needs are the things your family absolutely must have to survive and Wants are things we would like to have but really don’t need. Hopefully, the author says all the money saved SHOULD HELP REDUCE our debt & BUILD UP a saving fund. These two goals will put us in a better financial position.. reduce debtbuild up saving ….

Examples of  SPEND LESS…SAVE MORE….(according to the author’s) :

Groceries Cut. Shopping at discount grocery stores or traditional market.

Apparel Cost Cut.  Use it up & wear it out. The last time I shopped  for our wardrobe needs may be 2006….:((

Beauty Care Dropped.  Don’t buy beauty aids in the department stores.

Travel Costs. Down which has been attributed to carpooling and consolidating errands. Same with me..oil price is expensive!!

Vacation Costs. Visiting relatives for a low cost vacation.

Credit Cards, medical bills & credit line payments. They all BIG PROBLEM for me now. Wonder how’s the way out yet?

Entertainment & Dining Out.  E L I M I N A T E D ….:((

Household repairs. Only…only..most of our consumer debt is paid off, then we can afford to tackle home maintanance issues again..only…

Home decor & landscaping needs. E L I M I N A T E D….:((

Piano. Got eight years of music lessons invested in a child who had finally outgrown her old practice piano.

Emergency savings fund. Like many others families living on a shoestring, we are having to borrow instead of cash flowing emergencies as they come up. My goal is to have $5000 (IDR 50million) in this fund.

There are also Little Things That Cost A Lot. Sometimes we spend little amounts regularly on things like lunch at work, Starbucks lattes (coffee/donut), smoking, manicures, golf & pizza delivery at weekend. Well, they are all seem like reasonable decisions because of relatively small expenses. It’s hard to imagine how much they add up. These 6 little things… lunch at work, coffe/donut, smoking, manicures, golf & pizza delivery.

Examples :

– Our routine breakfast & lunch could easily add up to IDR. 100.000 or more per day, that’s nearly IDR 3 million a month, IDR. 360 million over 10 years..

– Coffee/donut, IDR. 40.000 per day or IDR. 1.2 million a month or IDR. 144 million over 10 years..

– Smoking, IDR. 350.000 a week or IDR. 1.4 million a month or IDR. 168 million over 10 years.

– Manicure. IDR. 400.000 a week or IDR. 1.6 million a month or IDR. 192 million over 10 years.

– Pizza delivery, IDR. 250.000 a week or IDR. 1 million a month or IDR. 120 million over 10 years.

– Golf , IDR. 750.000 a week or IDR. 3 million a month or IDR. 360 million over 10 years.

The expense figures above are estimates, of course. Your personal money pits are probably different. Maybe you buy songs or videos each week, or regularly drop $ 10 to add games to you iPad. So, what’s your money pit ? Have you tried to calculate the long-term cost ?

After studying the article so far,  I have some confessions to make. IN THE PAST I DO MAKE BAD SPENDING..SOME ARE REALLY WORST. NEITHER DO I MAKE SAVING. But just like a proverb say BETTER LATE THAN NEVER… so I’d like to make SPEND LESS.. SAVE MORE.. to be my motto for the rest of my life…

andriantoangkadirjo85 bottom line

– The concept of  SPEND LESS.. SAVE MORE.. is very important. Unfortunately not many people aware of this. Not caring about such thing could be so dangerous  to our financial condition.. it could tumbled our economy.

– It is also important to teach the concept of SPEND LESS.. SAVE MORE  to our children / next generation from the very beginning of their age. Because we know the world economy is fickle right now, instable and seems worse in the future. This is the only way to face it.. be prepared, be aware..

So what do you think ? Which category do you in ? What bad/worst spend have you made ? Have you save already?  If you like to share your thought pls write down some comments  below.

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3 Trickery Things in the World : Investment-Credit Card-Home/Car loan

Posted by andriantoangkadirjo85 on March 7, 2011

Hi,

It’s been long time I haven’t write since the first..sorry about that. Just reminding my Blog is just for sharing wisdom, life-experience that we can’t have in school exactly. Hope this sharing will benefit our children or the next generation.

I, myself n fam  endure the bitternes, sadness, pains caused by the 3 trickery things in the world above. The strange thing is I didn’t aware of the problem and come to realize when I have lost everything..job, house, car, money, time..in a wink of the eye. Really hard time. I got to start again from zero in the age of 43 ( 2009 ) ..really hard time.

Start with investment. I worked in investment company for almost 5 years. The company promised to give interest 2% per month. But it’s a fraud. The company collapsed and flee with the investor’s money, including my money. I lost job, money, home, car n time.

Above some photos of portfolio investments which make the investors believed, but proof to be a fraud. They just another  ponze scheme company.

Then I got another job, still in investment. Trading INDEX/FOREX. Because the money was so good. Again I lost the money, job and again..time (2 years). This business is very2 speculative n risky. Totally I wasted my time almost 7 years & got NOTHING.

Home/car loan. As a consequence losing money in investment, I can’t afford my home & car loan. I got to break before the time. In this case, I just realize that I lost a great amount of money too. The fees, taxes and the interest I have paid. This is something I have never thought before.. (when I make the deal ).

Credit card. The same thing happened to my card. I can’t afford the bill. Just paid the minimum and the interest scaled so high. I paid so much money just to pay the interests. ( I got 8 credit cards and they made my lifesyle so high. Actually, the basis is very2 weak so when there is a jolt, it shattered to pieces ) . Right now, I can’t pay tv cable,  shopping, dining out, travelling, etc.

andriantoangkadirjo85 bottom line

If  you are in lower & middle class economy never ever touch the investment. Better find job in other sector, build a career. Be patient & persevering & if you have enterpreneurship, make your own business, be your own boss.

Before get home/car loan BE SURE you can survive even in  the emergency/contingency situation ( eg. lost job, sick, etc ) . Do not break before the time cause we will suffer great loss ( the fees, taxes, insurance, interests ) .

Better not to have card. Or just 1-2 cards in adjustment with the modern life. Always BEWARE of the consequences. If you can’t pay the full amount the interest & fees will scale up so high..& the bill will choke you until you almost can’t breathe..like me.

What do you think ? Do you ever have such experiences/wisdom to share ? Leave a comment and share your thought.

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Wellcome to my Blog

Posted by andriantoangkadirjo85 on February 8, 2010

My 1st post : Thankful to God

From now on I try to post experience, wisdom, sharing ..etc so they will give lessons to others.. also as a tool to remind me everytime I read it .. so I can always be wised.. But  most of all I thank to God through His Son Jesus cause without His Love maybe today I was not here. Ok…before I continue I would like to introduce myself.. My name is Andrianto Angkadirjo. I live in Surabaya-Indonesia. I was born in October 21st 1966 so I am 44 yrs old this year/2010. I was married with one daughter . I went to the university in 1985, majoring pharmacy. (that’s why my blog’s name is andriantoangkadirjo85). Besides life-experience & wisdoms, I also sometimes will write about health, pharmacy or cosmetics, of course if I got the idea. So guys I will write later…..

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