The Ultimate Guide to Personal Finance in America: Strategies to Grow Your Wealth and Secure Your Future

Managing personal finances effectively is crucial for achieving financial stability and long-term success in America. Whether you're just starting your career or planning for retirement, building a solid financial foundation requires knowledge, discipline, and smart decision-making. In this detailed guide, we’ll cover essential personal finance strategies, practical tips, and trusted resources to help you take control of your money.

1. Build a Realistic Budget and Track Your Expenses

Creating a budget is the cornerstone of financial management. It helps you understand where your money goes and identify areas for improvement.

• Use budgeting tools like Mint or You Need a Budget (YNAB) to set up and monitor your budget effectively.
• Follow the 50/30/20 rule: allocate 50% of your income to needs, 30% to wants, and 20% to savings and debt repayment.

2. Establish an Emergency Fund

Unexpected expenses can disrupt your financial plans. An emergency fund covering 3 to 6 months of living expenses provides a safety net.

• Consider opening a high-yield savings account with banks like Ally Bank to maximize your savings growth.

3. Manage Debt Wisely

Debt is a common financial burden, but with a strategic approach, you can pay it off efficiently.

• Learn about effective debt repayment methods such as the debt snowball and debt avalanche on NerdWallet.
• If you have multiple debts, consider consolidating them through lenders like SoFi for lower interest rates and simplified payments.

4. Invest for Long-Term Growth

Investing is key to building wealth over time, leveraging the power of compound interest.

• Maximize contributions to retirement accounts like 401(k)s and IRAs. Visit IRS.gov for detailed information.
• Diversify your investments by exploring low-cost index funds and ETFs offered by firms like Vanguard.
• For beginners, robo-advisors such as Betterment provide automated, goal-based investment management.

5. Protect Your Assets with Insurance

Insurance safeguards you against financial losses from unforeseen events.

• Explore health insurance options on HealthCare.gov to find affordable coverage.
• Compare auto and home insurance quotes using websites like The Zebra to ensure you get the best deals.

6. Plan for Taxes and Estate

Effective tax planning helps you keep more of your income, while estate planning ensures your assets are distributed according to your wishes.

• Use tax preparation software such as TurboTax for accurate and efficient filing.
• Learn about wills, trusts, and estate planning basics at Nolo.

Taking control of your personal finances in America is achievable with the right knowledge and tools. By budgeting wisely, managing debt, investing smartly, and protecting your assets, you set yourself up for a secure and prosperous future. Use these trusted resources to guide your journey toward financial freedom.

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To earn money from the internet without capital

To earn money from the internet without capital, you can explore various opportunities:

1. Blogging: Share your thoughts and experiences through writing on a blog. Once your blog gains traffic, you can earn income through advertising and affiliate marketing 

2. YouTube: Create engaging content and build a subscriber base. You can earn revenue through ad views and sponsorships 

3. Affiliations: Partner with companies to promote their products or services and earn a commission on sales made through your referral links 

4. Dropshipping: Start an online store without holding inventory. When a product is sold, the supplier dropships it directly to the customer 

5. Freelancing: Offer professional services such as writing, designing, or programming and get paid per project or hour 

6. Influencer: Grow a social media following and collaborate with brands for sponsored content to reach a wider audience 

7. Jastip: Participate in paid surveys or sign up for paid membership sites 

8. Konten Kreator: Develop digital content like videos or ebooks and sell them online 

9. Afiliasi: Join affiliate programs and receive a percentage of sales from referred customers.

10. Link Afiliasi: Insert affiliate links into your website content to generate income 

11. Program Afiliasi Hosting: Collaborate with hosting service providers to offer web hosting plans and earn commissions .

12. Google Adsense: Display ads on your website and earn income per impression or click 

Remember, each method requires effort and dedication to achieve success. It's important to research and understand the market demand and competition before starting any new venture.

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For Your Info (2)

• For your info, Bro! , before we will read this writing , there are some 10 an infant born in the world . 

• The keyboard of pc had a way of making test this unique the tools , in order to display all the letters in the alphabet , a sentence which typewritten is , "the quick brown fox jumps over a lazy dog" . 

• Memory capacity of the brain carp just enough to remember something within a period of three seconds

• A tiger loreng sumatra having any more than a tiger . While siberian tiger is kind of a tiger which lorengnya at least . 

• Richard cadbury create a box candy valentine first in the late 1800 . 

• Heart polar bears considered poisonous for storing too many vitamin c.  

• When an octopus not obtain food , and he is very hungry , then the octopus will take one of the eight his hand . 

• Note the sequence of digits of the answer: 111.111.111 X 111.111.111 = 12.345.678.987.654.321.

• Human normal, average day laughing 13 times

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For Your Info (1)

• Never heard of the term Zionism? The terminology was popularized the Jewish philosopher Nathan Birnbaum, in 1890. Zionism is taken from the name of the Mount Zion where the Temple of Jerusalem stood. Zionism is a movement to unify the dispersal of Jews around the world because they do not have a homeland. New in 1948 with the aid of land and they acquire United Kingdom established Israel. When the land they take it belongs to the Palestinians!

• Eskimos use refrigerators to keep food not frozen too!

• One kilogram sugar average consisting of 5 million grain of sugar . Don ' t believe it ? ? Try count bro !  

• Windmill world-wide usually rotating opposite from the round clockwork . Except windmill in ireland . 
• A vessel of titanic sank on on april 15 , 1912 . More than 1,500 people were killed after the boat hit the iceberg . About 14 years before the incident , morgan robertson once wrote novelist whose novels describe events of the same . Measure the ship is very similar . The name of the ship in a novel robertson are titan .  

• In general part which are darker than buah- vegetables or fruits are the most containing nutrients . 

• A pencil can be used to write about 50 thousand word in the english language . That have free time , we can make the line along 50 km with a pencil .  

• The moon is a million times more arid than the wilderness dry in the earth . 

• Desert locust hordes of 20 thousand tons was able to spend a plant a day.

• Don 't know which the country most wasteful ? United states consume 25 percent of all the energy the world .  

• If we find statue depicting someone is on a horse try pehatikan position of the foot the horse . If two forelegs raised , mean person who pictured rode it was killed in a battle . If one foot raised , the one who rode died from injury incurred in the war . If there was no feet appointed ? The one who rode death because for another . 

• Fish that live dikedalaman 800 meters or more below sea level , his eyes don 't work . Has not caught what they love to collide or not . If it collided must be the fish won 't cry , "where are your eyes huh ?" 

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Heroes

 “we could be heroes for just one day…”
(Heroes - David Bowie)

That song had been popular right more at the wallflowers and in so right movie soundtrack godzilla , some years ago . Cool though . Lyrics , yes yes the music . Nope excessive man its contents . Everybody could is be the hero .  The question now is : what 's the real hero was that ? ? Who should bearing the title of a hero ? ? 

If the indonesian language , refer to a dictionary a hero got some meaning . A hero for example , which means fighter who gallant or one who prominence because of courage and pengorbananya in defending the truth .  

So the point of a hero never fear opposed to all the mistakes . If ngeliat there is no true , he will soon be mengkoreksinya . He also willing to receive the risk for his actions .  (Kid -oest News)

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Critical

Assessed that moreover , criticise , make some people whose occupation most enjoyable . I mean according to them that is the least easy . With no power . Stay gristly ; read or check , listen , then find just the part most ugly . From there so it the judgment or criticism . 

When in fact it is not so easy. . In judgment and then became material criticisms many reasons to be considered . Most easily is of course , credibility the valuer or critics own . Yes , how the story a servile or could score also criticized if he was master what was judged .  

Not our intention to make you confused with shout me this time . Because , recently many claimed right away as a critic without backlit clear . Judge and criticize anything , start of the film , music , sport , to politics , and then argued that his opinion as the most right . As a result , yes we as readers , audience , or of an audience , so confused and ask yourself . 

Out of it , shout it made me ' s edition . Let appraisement about who 's the best 'm fucked up . Fair and not miss . Because they are so valuer here is actually the reader of course . It 's not who is not clear but his or her home 'd know that . So .  (Kid -oest News)

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Always take a trip to the bright side

Sure there ? Almost all the head on earth has ngerasa worry . The cause of a lot . Of high degree , being , until that is low . Clear the effect produced just the same : dubiously because of uncertainty , confusion , until when it 's chronic , fears it could be paranoia .

On the one hand it was indeed necessary. concerns So with that we can so be vigilant. That is not cool is if we are finally to be glued together such concerns. From the thought of what to do to avoid the worry about. Because we are so way in place. no where-where. While slowly but surely our thoughts on eating the same concerns itself. So we can't do any more. lazy right?

One way most potent make avoid excessive concern that ' s nothing but thinking positive . If the man caucasians , always take a trip to the bright side . Therefore , we can still wary without have to feel worry , moreover , an exaggerated fear .

okay ? So we walk to the side of the lighter?? (Kid- oest News).

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Adjective Clauses

Adjectively . clause is clause that serves as an adjective . Such as have been we know , adjectival is the noun explained . So , adjectively . clause also serves so , namely brief noun on . 

Adjectively . clause used to give a description of , identity , and other information to katabenda ( antecedent ) . In structure adjectively . clause characterized by a relative pronoun ; who , namely : whom , whose , which , when , where , why , and that . 

*Who used to a person in a position of subject ( human as. than yourself ) . 

*Used for whom a person in a position of an object ( human as. object ) . 

*Which is used for object , either in the position of the subject or object ( non-human as. than yourself ). 

*That used as subtitusi who , whom , or which . 

*Whose used to proprietorship . 

*When used to time . 

*Why used to cause . 

Example:

Subordinators for adjective clauses are always relative pronouns. Relative pronouns include the words: who, whom, that, known as clause modifiers.

The relative pronoun 'whom' substitutes for nouns and pronouns that relate to people; 'which' modifies nouns animals and things.

'When', 'whose' and 'where' are also relative pronouns. Use 'when' for time; 'where' for place; 'whose' for the possessive form of nouns and pronouns.

"She called me when I was in the middle of a conference."

"I finally remembered where I parked my car." ('where' substitutes for a place)

"I found a dog on the street yesterday whose owner I found out later." ('whose' substitutes for the possessive pronoun 'his' or 'her')

Article: 

Tornado reported during storm in Oxfordshire

It was spotted in several places, including Bicester, Eynsham, Kidlington and South Leigh, on Monday afternoon.
Large hailstones were also reported during the storm, which is thought to have started in Wiltshire and moved to Oxfordshire and Buckinghamshire.
One forecaster said it was almost certainly a tornado, thought to have been caused by a special kind of storm.
Brendan Jones, from Meteogroup, said: "At the moment it's difficult to say exactly where the tornado was because while the parent thunderstorm travelled all the way across the south Midlands, it wasn't necessarily producing a tornado all the time.

  A tree was felled in Kidlington by the storm

"There has been more than one report of a tornado beneath this storm. There has also been some quite big hailstones."
He said it was likely the storm was a "supercell" thunderstorm, when the air spins or rotates, which is not often seen in the UK.
Eyewitness Dave Ewart, from Kidlington, said: "I was at home when I noticed heavy dark clouds forming, then hail then - very suddenly - extremely high winds.


Questions and Answers of the excercises

1. + : I talked to the woman she was sitting next to me
     -: I talked to the woman who was sitting next to me
   
2. + : I have a class it begins at 08.00 Am
     -: I have a class which begins at 08.00 Am
   
3. + : The man called the police his car was stolen
     -: The man whose car was stolen called the police
   
4. + : The building is very old he lives there
     -: The building where he lives is very old
   
5. + : The woman was ms Silvy I saw her
     -: The woman whom I saw was ms Silvy

Reference :

http://free-english-lesson.blogspot.com

http://www.bbc.co.uk/news/uk-england-oxfordshire-17986143

http://web2.uvcs.uvic.ca/elc/studyzone/410/grammar/adj.htm

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Inspiration

There is one such story film imprint in my head. The title is Forest Gump. So love him the same film, until now already three times I've watched this movie. One of the scenes that I really liked is that in describing his prologue by a piece of flying feathers, floating around more follow the wind.

There is a strong reason why I really like the same movie at the same time starring Tom Hanks. In my opinion, the values in the same film, a closely similar really our lives a day. A story about a matter a fact of life that often does not correspond to the expectations and ideals. More recently, the memory of this film back street story popped into my head. A bit of me you know the plot. In the film's release in 1995, which would like to convey to the Director in his possible about the life process. From one scene to another scene, describe the characters in the movie when trying reaching ideals. They are so obsessed with the hope of each. Come to a when the fact was not in favour of hope. They then escape from the problem, then became frustrated.

However , in the later part film that have inspired me it is told how forest and teman- his friend start terms with their hopes . Yes , , in this life is often times harapan couldn ' t always come true . Some of us may be angry with himself . Or accuse others for failure who afflicts . Life is often according to what imagined . Diverse problems begin to appear time we will not accept reality . If like this a person will start living in the dream That slowly will make alive be added broken . I think , indeed sick it feels if what has that long we want and to dead , we will try to fail to gained by the . But so , nature having its own way to make human flourishing at maturity .

If considering the prologue of the film , life is resembling bristles that it drifts down there to here . We will not can guess would where are we in the day , or will be what we next few years . Needs to be remembered in mind i think is gratitude for what possessed the moment , if it tried to yell gratitude , it 's not a sad day shall be no more . As the end of the forest gump . (Kid -oest News)

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Let Me Entertain You!

I think no more players football which be better . His story few days ago , the wolves meet manchester united . Before a game , rooney to warm up . A practice session in kicking a ball into the net , one of the ball a kick rooney streaking toward a tribune stadion. and there is no mistake . The game played . But through the stands , that day a father invited his son to watch Manchester United . This gift for the young . Watch Manchester United the first time. The boy so happy to see rooney heating and a ball streaking toward her . The boy applauds and ' krakk ' . joints broke his . 

The child jamie handled medical team and his arm in a cast during sebulan. actually ball bolted to tribunes is the usual . Story kicks a ball came to rooney after the game . United Striker had apologized. and send a jersey plus signature. The wolves is asking sorry for it had happened at home them , molineux stadium . Wolves invite the boy see the team practice . Though the story that happened far in england . But i knew there 's a football players to be better .

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Circle

A time i 'm asking my friends , about a long i miss ? tired of ice-breaker i felt .

Then my friend and i told him with a poem : “ when i write your name on a tree , i 'il give him a mark with a circle not heart if you ask why i 'il be right answer ; because it could split liver and broken but she 'il hold a circle not rotatory around to any time”

My friend might not answer something with the poem , but i can understand the meaning of the poem . That loop was named fraternization . He will not be weary with you until any time . (Kid -oest News)

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Active and Passive Sentences

Active Sentences

In active sentences, the thing doing the action is the subject of the sentence and the thing receiving the action is the object. Most sentences are active. active voice where subject- do job. active voice often used in activity everyday.

Example:

*I took the shirt yesterday.

*The woman is singing a song.

*They have changed the date of the meeting.

*Dika bought some computers yesterday.

Passive Sentences

In passive sentences, the thing receiving the action is the subject of the sentence and the thing doing the action is optionally included near the end of the sentence. You can use the passive form if you think that the thing receiving the action is more important or should be emphasized. You can also use the passive form if you do not know who is doing the action or if you do not want to mention who is doing the action.

Example:

*The shirt was taken by me yesterday.

*A song is being sung by the woman.

*Date of the meeting has been changed by them.

*Some computers were buoght by Dika yesterday.

Example Article Passive Sentences

Demands of the sport

As with all team sports, playing position clearly affects the physical requirements. It is generally accepted that a goalkeeper does not need the same level of aerobic conditioning as a central midfielder. The distance covered by outfield players has been well researched. In a match, they each cover about six miles, though this obviously depends on whether you are a utility midfield player or a sweeper. There does not appear to be much difference between the distance covered by the top professionals and non-elite players.

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Subject - Verb Agreement

SUBJECT - VERB AGREEMENT

1: Basic Principle - Singular subjects need singular verbs; plural subjects need plural verbs.

My sisters is a hair stylist. My brothers are doctor.

2: The indefinite pronouns anyone, everyone, someone, no one, nobody are always singular and, therefore, require sigular verbs.

3 : Some indefinite pronouns — such as all, some — are singular or plural depending on what they’re referring to. (Is the thing referred to countable or not?) Be careful choosing a verb to accompany such pronouns.

Some of the nuts are missing.

Some of the coin is gone.

4 : On the other hand, there is one indefinite pronoun, none, that can be either singular or plural; it often doesn’t matter whether you use a singular or a plural verb — unless something else in the sentence determines its number.

None of you claims responsibility for this incident racism ?

None of you claim responsibility for this incident racism ?

None of the singer have done their training.

5 : Phrases such as together with, as well as, and along with are not the same as and. The phrase introduced by as well as or along with will modify the earlier word, but it does not compound the subjects.

6 : The pronouns neither and either are singular and require singular verbs even though they seem to be referring, in a sense, to two things.

7 : In informal writing, neither and either sometimes take a plural verb when these pronouns are followed by a prepositional phrase beginning with of. This is particularly true of interrogative constructions

8 : The conjunction or does not conjoin (as and does). When nor or or is used the subject closer to the verb determines the number of the verb.

9 : The words there and here are never subjects.

There are two reasons [plural subject] for this.

There is no reason for this.

Here are three manggoes.

10 : Verbs in the present tense for third-person, singular subjects (he, she, it and anything those words can stand for) have s-endings. Other verbs do not add s-endings.

He loves and she loves and they love. .

11 : Sometimes modifiers will get between a subject and its verb, but these modifiers must not confuse the agreement between the subject and its verb.

12 : Words such as glasses, pants, pliers, and scissors are regarded as plural (and require plural verbs) unless they’re preceded by the phrase pair of (in which case the word pair becomes the subject).

My keys were on the dining room.

My hat were torn.

13 : Some words end in -s and appear to be plural but are really singular and require singular verbs.

14 : On the other hand, some words ending in -s refer to a single thing but are nonetheless plural and require a plural verb.

15 : Fractional expressions such as half of, a part of, a percentage of, a majority of are sometimes singular and sometimes plural, depending on the meaning.

16 : If your sentence compounds a positive and a negative subject and one is plural, the other singular, the verb should agree with the positive subject.

Example:

- I do meditation quietly. [singular], You do meditation quietly. [sing/pl]

- She does meditation quietly. [singular], We do meditation quietly. [plural]

- I have coloured pencil. (singular), You have coloured pencil. (sing/pl)

- Evans has coloured pencil. (singular), We have coloured pencil. (plural)

- I am here wait you come. [singular], You are here wait you come. [sing/pl]

- He is here wait you come. [singular], We are here wait you come. [plural]

- I play Guitar on big grand stand. (singular), You play Guitar on big grand stand. (sing/pl)

- One plays Guitar on big grand stand.(singular), We play Guitar on big grand stand. (plural)

- I was fifth from five brothers. [singular], You were fifth from five brothers. [sing/pl]

- It was fifth from five brothers. [singular], We were fifth from five brothers. [plural]

Source

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Complaint Letters

PT Blade Service

Electronic And Service

Jl.Lebak Bulus No.23 Ciamis,Jawa Barat Tel (021)9988123 Email:blade@yahoo.co.id

JX/js

08 July 2011

PT Karwaci

Jl.Mataram No.20 Bogor

Jawa Barat

Dear Sirs,

OUR ORDER NUMBER 8896

We ordered 30 units Laptop on 2 July and they were delivered on 5 July. I regret that 6 of them have problem with Lcd .

The package containing these goods appeared to be in perfect condition and I accepted and signed for it without question. It was on unpacking the laptop the damage was discovered; I can only assume that laptop was due to careless handling at same stage prior to packing.

I am enclosing a list of the damaged goods and shall be glad if you will replace them. They have been kept aside in case you need them to support a claim your supplier for compensation.

Yours Faithfully,

Joni

Sales Manager

Reply Letters:

PT Karwaci

Jl.Mataram No.20 Bogor

Tel (021)7795432 email:karwaci@yahoo.co.id

Your ref : JX/js

Our ref : SC/st

14 July 2011

PT Blade Service

Electronic And Service Jl.Lebak Bulus No.23 Ciamis,Jawa Barat Tel (021)9988123 Email:blade@yahoo.co.id

Dear Mr Joni

YOUR ORDERED NUMBER 8896

I was sorry to learn from your letter or 08 July that some of the laptop supplied to this order were damaged when they reached you.

Replacements for the damaged goods have been sent by package post tomorrow morning .It will not be necessary for you to return the damaged goods; they maybe destroyed.

Despite the care we take in packing goods there have recently been several reports of damage. To avoid further inconvenience and annoyance to costumers, as well as expense to ourselves, we are now seeking the advice of a packing consultant in the hope of improving our methods of handling.

We apologize once again for this, and hope the steps we use taking will ensure the safe arrival of all yours orders in future.

Your Sincerely

Wina

Marketing manager

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English Business Letter

1. LETTERHEAD

Bagian yang letaknya paling atas dari sebuah surat yang yang biasa disebut kepala surat. Didalamnya terdapat sejumlah informasi tentang si pengirim, seperti alamat perusahaan, nomor telepon, nomor, web, e-mail ataupun logo perusahaan.

2. DATE

Bagian ini menunjukkan kapan surat dibuat. Biasanya terletak disebelah kanan atas atau di sebelah kiri atas pada surat. Penempatannya tergantung dari gaya penulisan seperti :

- American style

Penulisan tanggal dalam gaya bahasa ini menempatkan penulisan bulan terlebih dahulu, tanggal, dan tahun.

Contoh : 11/18/08 atau seperti ini July - 18 – 09

- British style

tanggal pada gaya British sama seperti gaya penulisan tanggal dalam Bahasa Indonesia, yaitu menuliskan tanggal, kemudian menuliskan bulan dan tahun.

Contoh : 11 July, 2008

a. Untuk penulisan tanggal dalam gaya British dapat juga dituliskan dengan menambahkan akhiran bilangan bertingkat seperti 1st, 2nd, ..

b. Contoh : 1st of july, 2008

3. INSIDE ADDRESS

Berisi alamat yang akan dituju. Ditulis di sebelah kiri atas beberapa baris setelah penulisan tanggal. Alamat tujuan terdapat dalam dua tempat. yaitu ditulis disampul surat. dan yang ditulis pada lembar kertas surat. Dalam penulisan Alamat yang ditulis pada sampul surat biasanya harus lengkap.

4. REFERENCES

Digunakan sebagai perihal, pengarsipan atau dokumentasi surat yang dikirimkan atau yang diterima. Biasanya tulisan diberi garis bawah.

Contoh :

- With reference to your advertisement in Kidoest News, 2nd July, 2000.

- Your Ref: KPS/D5, Our Ref: Con/17/3

Biasanya reference ditulis setelah penulisan inside address dan sebelum subjek.

5. SUBJECT

bagian ini berfungsi untuk memberi petunjuk kepada pembaca surat tentang hal dalam surat.

Ada beberapa hal teknik penulisan yang harus diperhatikan :

a. Hal tidak ditulis dengan huruf kapital keseluruhannya, kecuali untuk judul surat berjudul

b. Subjek ditempatkan diatas dari Salutation

c. Hal ditulis dengan huruf kapital pada huruf pertama kata utamanya. Kata tugas ditulis dengan huruf kecil

d. Pada akhir perihal tidak menggunakan tanda titik karena Hal bukan kalimat

e. Perihal merupakan baris subjek tidak benar-benar diperlukan. Untuk penempatan subjek dapat dibedakan kedalam dua penempatan, yakni :

- Inggris Amerika, yang cara penempatannya diatas Salutation

- Inggris British, yang cara penempatannya dibawah Salutation.

6. SALUTATION

Bagian ini merupakan salam pembuka atau salam hormat. Untuk salam pembuka jika jenis kelaminnya belum diketahui dapat ditulis dengan cara menulis "Dear Sir" atau "Dear Madam", namun jika sudah diketahui nama dan jenis kelaminnya dapat ditulis "Dear Mr. Sony".

a. British Style

- Dear Sir, Jika yang menerima laki-laki

- Dear Madam, Jika yang menerima perempuan

- Dear Sir / Madam, Jika yang menerima belum diketahui jenis kelaminnya

Pada British style tidak diijinkan menggunakan tanda baca dalam penulisan salam pembuka, selain menggunakan tanda baca koma.

b. American Style

- Gentlemen, Jika yang menerima laki-laki

- Ladies, Jika yang menerima perempuan

- Ladies and Gentlemen, Jika yang menerima tidak diketahui jenis kelaminnya

Pada Inggris Amerika, gunakan tanda baca "titik dua"

Contoh, Dear Mr. Andhika:

7. THE BODY of the letter

Bagian pesan dari surat, Pesan yang tertulis harus jelas dan membahas pokok permasalahan, dalam penulisan isi surat haruslah jelas, menggunakan bahasa yang mudah dimengerti oleh penerima dan tidak menggunakan bahasa dalam kehidupan sehari-hari.

8. COMPLIMENTARY CLOSE

Berupa salam penutup yang merupakan salah satu penghormatan dari pembuat surat. Berikan sebanyak 4 spasi baris untuk tanda tangan pembuat surat yang disertai dengan nama.

British English

- Jika nama penerima surat dicantumkan pada salam pembuka maka digunakan “Sincerely”

- Jika nama penerima surat tidak dicantumkan pada salam pembuka maka digunakan “Faithfully”

- Jika salam penutup yang bersifat nonformal seperti best wishes, best regards, with warmest regards, kind regards.

American English

- Nama penerima surat pada salam pembuka dicantumkan atau tidak maka digunakan "Sincerely"

Contoh lain Complimentary Close:

- “Dear Sir” atau “Dear Madam” dikuti dengan “Yours faithfully,”

- “Dear Mr, Mrs. atau Miss” diikuti dengan “Yours sincerely,”

- Jika salam penutup yang bersifat nonformal seperti cordially yours, thank you, regards.

9. SIGNATURE

Merupakan suatu tanda tangan pembuat surat agar terlihat bahwa surat yang dibuat bersifat resmi atau penting. Contoh hormat dari tanda tangan beserta salam penutup

Contoh:

Sincerely,

Andhika Wira Wardhana

10. ENDCLOSURE

Penggunaan enclosure pada English Business Letter dapat dicantumkan ataupun tidak, sesuai adanya lampiran. Jika ada maka fungsi ini ditampilkan.

Format dari English Business Letter

1. Full Block Business Letter

Pada format ini bentuk surat berada pada rata kiri secara keseluruhan.

2. Modified Block Business Letter

Pada format ini bentuk surat pada letter head, date, complementary close, dan signature berada pada rata kiri.

3. Semi Block Business Letter

Pada format penulisan surat ini bentuk surat pada letter head, date, complementary close dan signaturenya berada pada rata tengah surat. Kemudian bagian yang lainnya berada pada rata kiri pada setiap awal paragraph.

4. Indented Block Business Letter

Surat ini pada letter head, complementary close, dan signature berada di tengah surat. Sedangkan pada date berada di posisi rata kanan.

Kid -oest News dari berbagai sumber :

BUSINESS LETTER WRITING GUIDE OR TUTORIAL
SAVVY BUSINESS CORRESPONDENCE

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Dua Jalan yang “Berbeda”

Jalanan. Ya!, tiba- tiba aja kepengen nulis soal jalanan. ini juga mungkin berkaitan juga tentang gambar Karikatur samping ini. Dua jalan yang berbeda. 

jadi inget juga sama Postingan wall di Facebook seorang cewek yang akrab di panggil bude beberapa hari lalu.

Temen ke-1 si bude nulis (di wall) begini : bude hantam mampus kota bogor!!.

Temen ke-2 si bude (comment) : “gw udah didepan Recis nih”.

Bude (reply comment) : “ya udah lo lurus aja sampe ada perduaan lo belok kiri”.

Dass!! Gw langsung ngakak, sob. Abis seumur- umur yang gw tau jalanan tuh Cuma ada pertigaan dan perempatan! Hheehe..

Setelah puas ketawa, otak gw tiba- tiba teringat pada klasifikasi lain tentang jalanan. Jalanan searah dan jalanan 2 arah. Lalu otak gw melambung lebih jauh, mengingat kejadian- kejadian yang gw alami beberapa bulan belakangan. Diawali dengan cerita disebuah tenda nasi goreng paling beken se-antero Kota Jakarta.

Penuh!! (*maklum aja, menjelang buka puasa) Setelah ngantri nunggu tempat duduk, dan setelah sempat desak-desakan dengan beberapa geng yang sama- sama mau makan disana, gw dan lima temen pun mulai mesen menu. Dua temen mesen nasgor kambing, gw mesen nasgor sosis, dua temen mesen nasgor special, lalu satu temen gw mesen nasgor….Pete!!

“haahh?!! Aduh, ampuuuunn…. Seleranyaaa!!” Teriak temen –temen gw yang lain.

Setelah tiga hari berikut ada cerita yang lain lagi. pas gw dan kawan-kawan, mau jalan-jalan ke Blok-M, ada empat cowok berseragam SMA naik Patas AC yang kebetulan gw tumpangin. Baru 5 menit mereka duduk di Patas, tiga dari empat cowok tadi udah terlibat obrolan seru seputar musik Rock. Yang satunya lagi, kemana ??? dia duduk dipojokan, nggak ikutan ngobrol sama temen- temennya, sambil menikmati mp3 player, dia asik nyanyi sebuah lagu dangdut yang nggak gw tau apa judulnya.

nahh, Rame deh! Ada cerita tentang temen gw dan nasgor pete. Ada cerita tentang anak SMA penggemar music dangdut. By the way, Apa garis merah kedua cerita diatas??

Menurut lo??.

Hhm, kalo menurut gw garis merahnya nggak jauh dari jalanan, sob. Ibarat jalanan dua arah, ternyata ada orang- orang yang memilih arah berbeda dengan kebanyakan orang buat menjalani dan menikmati hidupnya.

Pertanyaannya, apakah yang dipilih dia itu salah??? Mestinya nggak. Karena sebelum mutusin mau milih arah mana tiap orang harus mikir dulu : mana arah yang lebih enak sekaligus lebih aman dan bersahabat dengan kata hatinya untuk dijalanin. Kalo kemudian banyak orang menganggap bahwa orang yang mengambil arah berbeda itu salah, kesalahan yang sebenarnya justru ada di kepala mereka yang menganggap salah tadi. Hari gini gitu lhoooo…masa pengetahuan mereka tentang “jalanan” belum juga nambah, masih stuck dijalanan satu arah! Ya nggak??. (Kid- oest News)

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Macam- Macam Metode Bahasa Indonesia

a. Metode Definisi
b. Metode Sebab –Akibat
c. Metode Proses
d. Metode Contoh
e. Metode Klasifikasi

Penjelasan dari metode- metode diatas,

a. Metode DEFINISI
metode batasan, kalimat yang mengungkapkan makna keterangan.

Contoh kalimat paragraph metode definisi :
Sekarang helm sudah bukan barang mahal lagi. dengan duit kurang dari 100 ribu kita bisa dapat helm half face kualitas lumayan. Soal model sih relatif. Yang penting helm-nya memenuhi standar kelayakan pakai.
Cara ngetesnya? Gampang aja! Ketika dipakai helm terasa pas, ruang longgarnya nggak lebih dari satu jari. Bisa diajak nengok kanan- kiri atau manggut- manggut keatas dan kebawah.
Nggak juga kelewat ngepres, nggak bikin pipi kempot. Terakhir pastikan tersedia tali pengikat dan kaca helm. Kaca berfungsi sebagai menahan debu, kerikil dan serangga yang dapat menggangu konsentrasi.
Helm full face lebih disarankan ketimbang half face. Sebab kalo jatuh, dagu kita masih bisa terlindungi dari benturan aspal.


b. Metode SEBAB- AKIBAT
metode yang menjelaskan proses suatu awalan tindakan (sebab) yang berpengaruh (akibat).

Contoh kalimat paragraph metode Sebab -Akibat :
Musim hujan mulai datang. Artinya, akan banyak orang yang terserang batuk dan pilek. Gejala penyakit yang biasa disebut influenza atau flu. Mahluk apa sih flu itu??
Flu adalah penyakit rongga pernapasan yang disebabkan oleh virus influenza, tepatnya influenza A, influenza B dan influenza C. tipe A dan C menyerang beberapa jenis spesies. Tapi, tipe B hanya menyerang manusia.


c. Metode PROSES
metode yang menjelaskan rangkaian suatu tindakan.

Contoh kalimat paragraph metode proses :
Proses teknik mengerem motor secara mendadak,
Jalanan semakin hari semakin rame aja dengan kendaraan bermotor. Semakin beragam sifat-sifat pengendara yang harus dihadapi. Jangan berharap semua pengendara mempunyai kelakuan yang baik dijalan. Jadi kita harus waspada. Ada halangan sedikit aja kalo nih mata nggak awas akibatnya bisa fatal. Yang harus diwaspadai adalah pengereman secara mendadak. Nah, gimana tekniknya kalo sewaktu- waktu harus melakukan pengereman mendadak ? kira kira begini.
1. Jangan menggunakan kedua rem secara bersamaan.
Ini bisa mempersulit konsentrasi keseimbangan. Gunakan aja rem depan yang daya rem-nya lebih pakem.
2. Nggak usah berusaha menurunkan porseneling rendah.
3. Tekan tuas kopling.
Kalo motor memakai tuas kopling, sebaiknya ditekan agar mesin nggak terus bekerja. Tujuannya menghindari gerak liar roda penggerak motor.
4. Cari celah kosong.
Usahakan mata selalu mencari celah yang kosong.


d. Metode CONTOH
metode yang menerangkan suatu keadaan.

Contoh kalimat paragraph metode Contoh :
50 Km tanpa kabel,
Wifi kayaknya nggak secanggih ini deh? Eh, ini memang lanjutannya. Teknologi memang nggak pernah habisnya. Teknologi ini merupakan lanjutan dari teknologi Wi-Fi namanya Wimax (Worldwibe Interopability for Microwave Accsess).
Fasilitas memang nggak nanggung- nanggung. Teknologi ini mempunyai akses internet tanpa kabel dengan kecepatan tinggi dan jalan di frekuensi 5,7 GHz dan bisa berlangsung pada jarak hampir 50 km atau 17 kali lipat Wi-Fi biasa. Tentu dengan fasilitas yang diberi Wimax, teknologi ini masih mahal.


e. Metode KLASIFIKASI
metode tentang penyusunan seteliti yang bersistem dalam kelompok.

Contoh kalimat paragraph metode Klasifikasi :
Mimpi adalah manifestasi dari kumpulan kejadian harapan, dan kekecewaan yang benar- benar kita alami. Yang oleh karena suatu hal lain yang belum bisa kita selesaikan tapi udah keburu masuk kea lam bawah sadar, kejadian, harapan dan kekecewaan itu akhirnya lepas dengan cara memunculkan diri ketika kita berada dalam kondisi nggak sadar. Misalnya tidur ataupun pas koma.
Tapi ada juga yang bilang, mimpi hanya bagian dari proses “pencucian” memori otak. Maksudnya setiap detik kan kita menangkap banyak hal dengan panca indera. Terus, kita juga memikirkan dan merasakan macam- macam. Semua ujung- ujungnya akan dilempar ke memori otak. Padahal memori otak punya keterbatasan untuk menyimpan. Makanya saat tidur memori otak melakukan pemilihan. Mana yang penting dan mana yang nggak, mana yang bermakna dalam dan yang nggak. (Kid- oest News)

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