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Gastrooesepageal Refluks atau Sering Muntah Pada Anak Karena Pengaruh Alergi atau Hipersensitif Makanan

Latar Belakang

• Audi, laki-laki usia 2 tahun sejak lahir hingga sekarang , sering mengalami muntah, meski dengan pertambahan usia berangsur berkurang. Setelah usia 9-12 bulan mulai timbul gangguan mengunyah dan menelan sehingga hanya mau minum susu dan makan harus diblender. Selain itu Audi mudah sekali terserang demam, batuk dan pilek. Selain mengalami gangguan tidur malam, dia juga mengalami keterlambatan bicara atau bila bicara tidak jelas dan gangguan perkembangan motorik kasar dan gangguan keseimbangan (usia 6-8 bulan tidak duduk dan merangkak, jalan terlambat, dan setelah bisa berjalan jalan sering terjatuh atau goyang) . Setelah itu dokter mengadviskan untuk dilakukan penanganan alergi dan hipersensitifitas makanan dengan menghindari sementara beberapa makanan yang diduga penyebab alergi makanan ternyata tidak dalam waktu lama keluhan muntah membaik, daya tahan tubuhnya semakin dan beberapa keluhan lainnya yang menyertai membaik.

Amati Gangguan Gastroesophageal Refluks dan Sering muntah pada anak anda

• Pada usia bayi di bawah 6 bulan sering muntah dan gumoh. Setelah usia 6 bulan hingga 2 tahun berkurang. Pada kasus tertentu membaik setelah usia 5 – 7 tahun
• Muntah atau mual timbul saat berlari, menangis, batuk, memasukkan tangan ke mulut, tercium bau tajam (bau tidak enak, bau amis atau terlalu wangi)

Gangguan lain yang sering Menyertai

• Gangguan mengunyah menelan : Tidak menyukai variasi banyak makanan, tidak mau makan nasi hanya minum susu. Sering pilih-pilih makanan. Makanan yang disukai adalah makanan yang gampang dikunyah seperti telor, mi, krupuk, biskuit, brokoli, wortel. tetapi makanan yang berserat seperti daging sapi, sayur, atau nasi lebih tidak disukai.
• Sebagian Besar kasus anak berat badannya lebih atau kegemukan sebagian kecil lainnya sebaliknya sulit naik berat badan
• Gangguan Motorik kasar dan keseimbangan
• Gangguan sensoris : sensitif terhadap suara (frekuensi tinggi) , cahaya (mudah silau), perabaan telapak kaki dan tangan sensitif (jalan jinjit, flat foot, mudah geli, mudah jijik, tidak suka memegang bulu, boneka dan bianatang berbulu)
• Daya tahan menurun sering sakit demam, batuk, pilek setiap bulan bahkan sebulan 2 kali (normal sakit seharusnya 2-3 bulan sekali)
• Emosi tinggi, keras kepala (sering membantah) dan gangguan konsentrasi

Amati Tanda dan gejala gangguan saluran cerna yang lain karena alergi dan hipersensitif makanan (Gastrointestinal Hipersensitivity)

(Gejala Gangguan Fungsi saluran cerna yang ada selama ini sering dianggap normal)

• Pada Bayi : GASTROOESEPHAGEAL REFLUKS ATAU GER, Sering MUNTAH/gumoh, kembung,“cegukan”, buang angin keras dan sering, sering rewel gelisah (kolik) terutama malam hari, BAB > 3 kali perhari, BAB tidak tiap hari. Feses warna hijau,hitam dan berbau. Sering “ngeden & beresiko Hernia Umbilikalis (pusar), Scrotalis, inguinalis. Air liur berlebihan. Lidah/mulut sering timbul putih, bibir kering
• Pada anak yang lebih besar :

1. Mudah MUNTAH bila menangis, berlari atau makan banyak. MUAL pagi hari.
2. Sering Buang Air Besar (BAB) 3 kali/hari atau lebih, sulit BAB sering ngeden kesakitan saat BAB (obstipasi). Kotoran bulat kecil hitam seperti kotoran kambing, keras, warna hitam, hijau dan bau tajam. sering buang angin, berak di celana. Sering KEMBUNG, sering buang angin dan bau tajam. Sering NYERI PERUT, tidur malam nungging (biasanya karena perut tidak nyaman)
3. Nyeri gigi, gigi berwarna kuning kecoklatan, gigi rusak, gusi mudah bengkak/berdarah. Bibir kering dan mudah berdarah, sering SARIAWAN, lidah putih & berpulau, mulut berbau, air liur berlebihan.

MANIFESTASI KLINIS YANG SERING MENYERTAI ALERGI DAN HIPERSENSITIFITAS MAKANAN PADA BAYI :

• KULIT : sering timbul bintik kemerahan terutama di pipi, telinga dan daerah yang tertutup popok. Kerak di daerah rambut. Timbul bekas hitam seperti tergigit nyamuk. Kotoran telinga berlebihan & berbau. Bekas suntikan BCG bengkak dan bernanah. Timbul bisul.
• SALURAN NAPAS : Napas grok-grok, kadang disertai batuk ringan. Sesak pada bayi baru lahir disertai kelenjar thimus membesar (TRDN/TTNB)
• HIDUNG : Bersin, hidung berbunyi, kotoran hidung banyak, kepala sering miring ke salah satu sisi karena salah satu sisi hidung buntu, sehingga beresiko ”KEPALA PEYANG”.
• MATA : Mata berair atau timbul kotoran mata (belekan) salah satu sisi.
• KELENJAR : Pembesaran kelenjar di leher dan kepala belakang bawah.
• PEMBULUH DARAH : telapak tangan dan kaki seperti pucat, sering terba dingin
• GANGGUAN HORMONAL : keputihan/keluar darah dari vagina, timbul bintil merah bernanah, pembesaran payudara, rambut rontok.
• PERSARAFAN : Mudah kaget bila ada suara keras. Saat menangis : tangan, kaki dan bibir sering gemetar atau napas tertahan/berhenti sesaat (breath holding spells)
• PROBLEM MINUM ASI : minum berlebihan, berat berlebihan krn bayi sering menangis dianggap haus (haus palsu : sering menangis belum tentu karena haus atau bukan karena ASI kurang.). Sering menggigit puting sehingga luka. Minum ASI sering tersedak, karena hidung buntu & napas dengan mulut. Minum ASI lebih sebentar pada satu sisi,`karena satu sisi hidung buntu, jangka panjang bisa berakibat payudara besar sebelah.

MANIFESTASI KLINIS YANG SERING MENYERTAI ALERGI DAN HIPERSENSITIFITAS MAKANAN PADA ANAK

• SALURAN NAPAS DAN HIDUNG : Batuk / pilek lama (>2 minggu), ASMA, bersin, hidung buntu, terutama malam dan pagi hari. MIMISAN, suara serak, SINUSITIS, sering menarik napas dalam.
• KULIT : Kulit timbul BISUL, kemerahan, bercak putih dan bekas hitam seperti tergigit nyamuk. Warna putih pada kulit seperti ”panu”. Sering menggosok mata, hidung, telinga, sering menarik atau memegang alat kelamin karena gatal. Kotoran telinga berlebihan, sedikit berbau, sakit telinga bila ditekan (otitis eksterna).
• SALURAN CERNA : Mudah MUNTAH bila menangis, berlari atau makan banyak. MUAL pagi hari. Sering Buang Air Besar (BAB) 3 kali/hari atau lebih, sulit BAB (obstipasi), kotoran bulat kecil hitam seperti kotoran kambing, keras, sering buang angin, berak di celana. Sering KEMBUNG, sering buang angin dan bau tajam. Sering NYERI PERUT.
• GIGI DAN MULUT : Nyeri gigi, gigi berwarna kuning kecoklatan, gigi rusak, gusi mudah bengkak/berdarah. Bibir kering dan mudah berdarah, sering SARIAWAN, lidah putih & berpulau, mulut berbau, air liur berlebihan.
• PEMBULUH DARAH Vaskulitis (pembuluh darah kecil pecah) : sering LEBAM KEBIRUAN pada tulang kering kaki atau pipi atas seperti bekas terbentur. Berdebar-debar, mudah pingsan, tekanan darah rendah.
• OTOT DAN TULANG : nyeri kaki atau kadang tangan, sering minta dipijat terutama saat malam hari. Kadang nyeri dada
• SALURAN KENCING : Sering minta kencing, BED WETTING (semalam ngompol 2-3 kali)
• MATA : Mata gatal, timbul bintil di kelopak mata (hordeolum). Kulit hitam di area bawah kelopak mata. memakai kaca mata (silindris) sejak usia 6-12 tahun.
• HORMONAL : rambut berlebihan di kaki atau tangan, keputihan, gangguan pertumbuhan tinggi badan.
• Kepala,telapak kaki/tangan sering teraba hangat. Berkeringat berlebihan meski dingin (malam/ac). Keringat berbau.
• FATIQUE : mudah lelah, sering minta gendong

GANGGUAN PERILAKU YANG SERING MENYERTAI PENDERITA ALERGI DAN HIPERSENSITIFITAS MAKANAN PADA ANAK

• SUSUNAN SARAF PUSAT : sakit kepala, MIGRAIN, TICS (gerakan mata sering berkedip), , KEJANG NONSPESIFIK (kejang tanpa demam & EEG normal).
• GERAKAN MOTORIK BERLEBIHAN Mata bayi sering melihat ke atas. Tangan dan kaki bergerak terus tidak bisa dibedong/diselimuti. Senang posisi berdiri bila digendong, sering minta turun atau sering menggerakkan kepala ke belakang, membentur benturkan kepala. Sering bergulung-gulung di kasur, menjatuhkan badan di kasur (“smackdown”}. ”Tomboy” pada anak perempuan : main bola, memanjat dll.
• AGRESIF MENINGKAT sering memukul kepala sendiri, orang lain. Sering menggigit, menjilat, mencubit, menjambak (spt “gemes”)
• GANGGUAN KONSENTRASI: cepat bosan sesuatu aktifitas kecuali menonton televisi,main game, baca komik, belajar. Mengerjakan sesuatu tidak bisa lama, tidak teliti, sering kehilangan barang, tidak mau antri, pelupa, suka “bengong”, TAPI ANAK TAMPAK CERDAS
• EMOSI TINGGI (mudah marah, sering berteriak /mengamuk/tantrum), keras kepala, negatifisme
• GANGGUAN KESEIMBANGAN KOORDINASI DAN MOTORIK : Terlambat bolak-balik, duduk, merangkak dan berjalan. Jalan terburu-buru, mudah terjatuh/ menabrak, duduk leter ”W”.
• GANGGUAN SENSORIS : sensitif terhadap suara (frekuensi tinggi) , cahaya (mudah silau), perabaan telapak kaki dan tangan sensitif (jalan jinjit, flat foot, mudah geli, mudah jijik, tidak suka memegang bulu, boneka dan bianatang berbulu)
• GANGGUAN ORAL MOTOR : TERLAMBAT BICARA, bicara terburu-buru, cadel, gagap. GANGGUAN MENELAN DAN MENGUNYAH, tidak bisa makan makanan berserat (daging sapi, sayur, nasi) Disertai keterlambatan pertumbuhan gigi.
• IMPULSIF : banyak bicara,tertawa berlebihan, sering memotong pembicaraan orang lain
• AUTIS dan ADHD (Alergi dan hipersensititas makanan bukan penyebab Autis atau ADHD tetapi hanya memperberat gejalanya)

KOMPLIKASI SERING MENYERTAI ALERGI DAN HIPERSENSITIFITAS MAKANAN PADA ANAK

• Daya tahan menurun sering sakit demam, batuk, pilek setiap bulan bahkan sebulan 2 kali. (normal sakit seharusnya 2-3 bulan sekali)
• Karena sering sakit berakibat Tonsilitis kronis (AMANDEL MEMBESAR) hindari operasi amandel yang tidak perlu atau mengalami Infeksi Telinga
• Waspadai dan hindari efek samping PEMAKAIAN OBAT TERLALU SERING.
• Mudah mengalami INFEKSI SALURAN KENCING. Kulit di sekitar kelamin sering kemerahan
• SERING TERJADI OVERDIAGNOSIS TBC (MINUM OBAT JANGKA PANJANG PADAHAL BELUM TENTU MENDERITA TBC / ”FLEK ”) KARENA GEJALA ALERGI MIRIP PENYAKIT TBC. BATUK LAMA BUKAN GEJALA TBC PADA ANAK BILA DIAGNOSIS TBC MERAGUKAN SEBAIKNYA ”SECOND OPINION” DENGAN DOKTER LAINNYA
• MAKAN BERLEBIHAN KEGEMUKAN atau OBESITAS
• INFEKSI JAMUR (HIPERSENSITIF CANDIDIASIS) di lidah, selangkangan, di leher, perut atau dada, KEPUTIHAN

Bila tanda dan gejala Gastrooesepageal Refluks (GER) atau Sering Muntah pada anak tersebut terjadi pada anak anda dan disertai salah satu gangguan saluran cerna serta beberapa tanda, gejala atau komplikasi alergi dan hipersensitifitas makanan tersebut maka sangat mungkin Gastrooesepageal Refluks (GER) atau Sering Muntah pada anak disebabkan karena alergi atau hipersenitifitas makanan.

Penyebab lain yang memperberat Gastrooesepageal Refluks (GER) atau Sering Muntah Pada Anak adalah saat anak terkena infeksi seperti demam, batuk, pilek, diare atau muntah dan infeksi lainnya

Memastikan Diagnosis

• Diagnosis Gastrooesepageal Refluks (GER) atau Sering Muntah Pada Anak yang disebabkan alergi atau hipersensitif makanan dibuat bukan dengan tes alergi tetapi berdasarkan diagnosis klinis, yaitu anamnesa (mengetahui riwayat penyakit penderita) dan pemeriksaan yang cermat tentang riwayat keluarga, riwayat pemberian makanan, tanda dan gejala alergi makanan sejak bayi dan dengan eliminasi dan provokasi.
• Untuk memastikan makanan penyebab alergi dan hipersensitifitas makanan harus menggunakan Provokasi makanan secara buta (Double Blind Placebo Control Food Chalenge = DBPCFC). DBPCFC adalah gold standard atau baku emas untuk mencari penyebab secara pasti alergi makanan. Cara DBPCFC tersebut sangat rumit dan membutuhkan waktu, tidak praktis dan biaya yang tidak sedikit.
• Beberapa pusat layanan alergi anak melakukan modifikasi terhadap cara itu. Children Allergy clinic Jakarta melakukan modifikasi dengan cara yang lebih sederhana, murah dan cukup efektif. Modifikasi DBPCFC tersebut dengan melakukan “Eliminasi Provokasi Makanan Terbuka Sederhana”. Bila setelah dilakukan eliminasi beberapa penyebab alergi makanan selama 3 minggu didapatkan perbaikan dalam gangguan muntah tersebut, maka dapat dipastikan penyebabnya adalah alergi makanan.
• Pemeriksaan standar yang dipakai oleh para ahli alergi untuk mengetahui penyebab alergi adalah dengan tes kulit. Tes kulit ini bisa terdari tes gores, tes tusuk atau tes suntik. PEMERIKSAAN INI HANYA MEMASTIKAN ADANYA ALERGI ATAU TIDAK, BUKAN UNTUK MEMASTIKAN PENYEBAB ALERGI. Pemeriksaan ini mempunyai sensitifitas yang cukup baik, tetapi sayangnya spesifitasnya rendah. Sehingga seringkali terdapat false negatif, artinya hasil negatif belum tentu bukan penyebab alergi. Karena hal inilah maka sebaiknya tidak membolehkan makan makanan penyebab alergi hanya berdasarkan tes kulit ini.
• Dalam waktu terakhir ini sering dipakai alat diagnosis yang masih sangat kontroversial atau ”unproven diagnosis”. Terdapat berbagai pemeriksaan dan tes untuk mengetahui penyebab alergi dengan akurasi yang sangat bervariasi. Secara ilmiah pemeriksaan ini masih tidak terbukti baik sebagai alat diagnosis. Pada umumnya pemeriksaan tersebut mempunyai spesifitas dan sensitifitas yang sangat rendah. Bahkan beberapa organisasi profesi alergi dunia tidak merekomendasikan penggunaan alat tersebut. Yang menjadi perhatian oraganisasi profesi tersebut bukan hanya karena masalah mahalnya harga alat diagnostik tersebut tetapi ternyata juga sering menyesatkan penderita alergi yang sering memperberat permasalahan alergi yang ada
• Namun pemeriksaan ini masih banyak dipakai oleh praktisi kesehatan atau dokter. Di bidang kedokteran pemeriksaan tersebut belum terbukti secara klinis sebagai alat diagnosis karena sensitifitas dan spesifitasnya tidak terlalu baik. Beberapa pemeriksaan diagnosis yang kontroversial tersebut adalah Applied Kinesiology, VEGA Testing (Electrodermal Test, BIORESONANSI), Hair Analysis Testing in Allergy, Auriculo-cardiac reflex, Provocation-Neutralisation Tests, Nampudripad’s Allergy Elimination Technique (NAET), Beware of anecdotal and unsubstantiated allergy tests.

PENATALAKSANAAN

• Penanganan Gastrooesepageal Refluks (GER) atau Sering Muntah Pada Anak karena alergi dan hipersensitifitas makanan pada anak haruslah dilakukan secara benar, paripurna dan berkesinambungan. Pemberian obat terus menerus bukanlah jalan terbaik dalam penanganan gangguan tersebut tetapi yang paling ideal adalah menghindari penyebab yang bisa menimbulkan keluhan alergi tersebut.
• Penghindaran makanan penyebab alergi pada anak harus dicermati secara benar, karena beresiko untuk terjadi gangguan gizi. Sehingga orang tua penderita harus diberitahu tentang makanan pengganti yang tak kalah kandungan gizinya dibandingklan dengan makanan penyebab alergi. Penghindaran terhadap susu sapi dapat diganti dengan susu soya, formula hidrolisat kasein atau hidrolisat whey., meskipun anak alergi terhadap susu sapi 30% diantaranya alergi terhadap susu soya. Sayur dapat dipakai sebagai pengganti buah. Tahu, tempe, daging sapi atau daging kambing dapat dipakai sebagai pengganti telur, ayam atau ikan. Pemberian makanan jadi atau di rumah makan harus dibiasakan mengetahui kandungan isi makanan atau membaca label makanan.
• Obat-obatan simtomatis, anti histamine (AH1 dan AH2), ketotifen, ketotofen, kortikosteroid, serta inhibitor sintesaseprostaglandin hanya dapat mengurangi gejala sementara, tetapi umumnya mempunyai efisiensi rendah. Sedangkan penggunaan imunoterapi dan natrium kromogilat peroral masih menjadi kontroversi hingga sekarang.

Obat

• Pengobatan Gastrooesepageal Refluks (GER) atau Sering Muntah Pada Anak karena alergi dan hipersensitifitas makanan yang baik adalah dengan menanggulangi penyebabnya. Bila gangguan sulit makan yang dialami disebabkan karena gangguan alergi dan hipersensitifitas makanan, penanganan terbaik adalah menunda atau menghindari makanan sebagai penyebab tersebut.
• Konsumsi obat-obatan saluran cerna atau penahan muntah, terapi tradisional ataupun beberapa cara dan strategi untuk menangani Gastrooesepageal Refluks (GER) atau Sering Muntah pada anak tidak akan berhasil selama penyebab utama alergi dan hipersensitifitas makanan tidak diperbaiki.

( copy from : http://childrenallergyclinic.wordpress.com/2010/08/12/gastrooesepageal-refluks-ger-atau-sering-muntah-pada-anak-karena-pengaruh-alergi-atau-hipersensitif-makanan/ ?

Kehadiran Julia Robert Bisa Membantu Promosi Pariwisata Indonesia

Makassar (ANTARA News)- "Kehadiran Julia Roberts di Ubud merupakan promosi yang bagus untuk Indonesia, sekaligus mempromosikan Ubud di mancanegara," kata Pakar Bisnis dan Marketing, Rhenald Kasali di Makassar, Sabtu.

Dia mengatakan, sekitar dua juta wisatawan mancanegara yang datang ke Bali setiap tahun, rata-rata hanya mengenal Pantai Kuta.Ubud yang masuk kategori desa unik belum banyak yang mengetahui.

Keunikan desa tersebut, lanjutnya, masih kental dengan kealamiannya, seperti tidak diperbolehkan ada traffict light (lampu pengatur lalu lintas), pedagang asongan, waria, spanduk dan aktivitas malam.

"Kafe yang ada di sana pun dibatasi jam operasionalnya hanya sampai pukul 23.00 WITA. Sementara kendaraan tidak diperbolehkan membunyikan klakson dan warga setempat ataupun pendatang tidak boleh membunyikan radio tape dengan volume besar," katanya.

Keunikan lainnya di Ubud, yang merupakan lokasi syuting film yang dibintangi Julia Roberts, adalah setiap desa di kawasan itu memiliki kekhasan usaha yang digeluti warganya.

Sebagai gambaran, di desa yang menjadi lokasi muara Sungai Pure Gunung Lebah di Ubud, warganya berprofesi sebagai pelukis, kemudian warga di desa tetangganya menggeluti usaha bordir dan pembuatan bed cover. Warga desa sekitarnya adalah pengrajin perak, batu permata dan emas.

Dengan demikian, lanjut Rhenald, potensi setiap desa itu berbeda-beda dan akan menjadi daya tarik tersendiri bagi para pengunjung.

"Alasan kealaman dan keunikan di Ubud itulah yang menjadi salah satu pertimbangan, sehingga produser dan sutradara Julia memilih Ubud sebagai lokasi syuting," katanya.

Tidak lupa para Blogger juga sedang mempromosikan Pariwisata Indonesia tepatnya daerah Pandeglang lewat tulisan-rulisan di blog mereka masing-masing. Kenali dan Kunjung Objek Wisata di Pandeglang merupakan tema yang di angkat oleh para Blogger untuk memperomosikan Pandeglang.

Check Credit Score

What To Do to Get Credit Score
Despite some misconceptions, requesting a credit score is not free. If you approach a service or any of the top three credit reporting agencies (CRAs), Equifax, Experian, or TransUnion, you will have to pay a fee for the credit score. Since the scores from each of the CRAs will be different, then you face three fees: one from each.

When you plan to apply for financing or renegotiate your current rates, knowing your credit score from each of the top three CRAs is advised prior to contacting the financial institution. However, if you've already applied then you can request from the institution to release the scores. This can be done regardless whether you've been accepted or not (if never hurts to ask), at it should be at no cost.

Also, you are entitled to receive a free credit report (not score) from each of the CRAs for free once each year. It is more important to keep track of your credit history by requesting a report so that you can correct errors and address credit issues. Understand that the credit score is derived from the credit report. Also, your credit history in each of the CRAs will be different requiring you to approach all three CRAs for their free report.

It is best to request your score or report directly with the CRA, rather than through an intermediary or third party or service, to avoid errors. It is not uncommon for report requests through a service to create issues in getting the report free if the service fails to deliver. Also, when contacting the CRA, request getting the report online to avoid delays and lost reports in-transit.

Kenali dan Kunjungi Objek Wisata di Pandeglang

Dua Kali Menjanda Dewi Sandra Takut Mati Rasa

Nugraha Rodiana - detikhot

Dewi Sandra telah yang telah menjanda dua kali karena kegagalan rumah tangganya berharap agar pengalaman pahit tersebut tak akan membuatnya mati rasa.

'Mati Rasa' juga merupakan single dari album terbarunya yang bertajuk Wanita'. Lagu itu menceritakan mengenai seseorang yang kecewa karena cintanya, sehingga ia merasa mati rasa.

Pengalaman yang dialami Dewi hampir serupa, ia pun berharap cerita itu tak terjadi padanya.

"Saya berharap saya tidak mati rasa. Saya selalu merasa hidup. Mudah-mudahanan saya bisa kembali merasakan bahagia," ujar Dewi saat ditemui di lokasi syuting video klipnya, di Pengadilan negeri Depok, Jl. Boulevard, Depok, Minggu (1/11/2009).

Yang membuatnya merasa tetap hidup adalah rasa syukurnya yang tak henti-henti. walau pernah merasa dipandang sebelah mata karena menjanda dua kali, Dewi tetap bersyukur.

"Mudah-mudahan saya bisa kembali merasakan bahagia. Saya selalu merasa bersyukur walaupun dalam keadaan terpuruk tapi saya bersyukur," ujar Dewi lagi.

Walau Dewi Sandra merasa mati rasa semoga todak demikian dengan kontes seo "Kenali dan Kunjungi Objek Wisata di pandeglang".

Bad Credit Refinance

In these situations, you will want to try and obtain a bad credit refinance and try and lower your interest payments as much as possible so you can get back on the right track. Other options to repair your damage credit is to try and consolidate your loans through debt consolidation programs. Be careful, however, of the program that you choose as some of these companies are scam companies and will hold onto your money instead of making payments to creditors.

The reason why consolidating your debt is so important is because it will be easier to make payments instead of having all of your debt scattered all over the place and making sure to make minimum payments on 30 different credit accounts can become tedious after awhile. Also, if you get into a good debt consolidation company, you will be able to reduce the finances charges on the debt.

Kenali dan Kunjungi Objek Wisata di Pandeglang

Kesenian Pandeglang

Setelah sebelumnya saya mengajak anda untuk kenali dan kujungi objek wisata di Pandeglang maka kali ini saya akan menceritakan sedikit tentang kesenian yang ada di Pandeglang.

RAMPAK BEDUG

Rampak Beduk merupakan sajian instrumen berupa perkusi, yang ditingkahi suara bedug berbagai ukuran. Ada empat bedug diikat kain merah biru, yang dipukul oleh pemain yang berdiri di tengah. Di pinggirannya, kelompok musik menimpali dengan bedug berbagai ukuran.Sesekali suara terdengar dari mulut para pemainnya, mirip suara musik tiup. Namun, tak ada sajian instrumen tiup. Yang terdengar, suara harmonis antara bedug dan para vokalis tradisi saling menyahut. Seni Rampak Bedug berawal dari kebiasaan penduduk berkeliling kampung sambil memukul bedug kala sahur di bulan puasa. Yang kemudian dijadikan ajang untuk beradu keras memukul bedug. Alhasil terjadilah pertemuan antar mereka, saling beradu kekuatan bedug.

DEBUS

Atraksi yang sangat berbahaya tersebut biasa kita kenal dengan sebutan Debus, Konon kesenian bela diri debus berasal dari daerah al Madad. Semakin lama seni bela diri ini makin berkembang dan tumbuh besar disemua kalangan masyarakat banten sebagai seni hiburan untuk masyarakat. Inti pertunjukan masih sangat kental gerakan silat atau beladiri dan penggunaan senjata. Kesenian debus banten ini banyak menggunakan dan memfokuskan di kekebalan seseorang pemain terhadap serangan benda tajam, dan semacam senjata tajam ini disebut dengan debus.Kesenian ini tumbuh dan berkembang sejak ratusan tahun yang lalu, bersamaan dengan berkembangnya agama islam di Banten. Pada awalna kesenian ini mempunyai fungsi sebagai penyebaran agama, namun pada masa penjajahan belanda dan pada saat pemerintahan Sultan Agung Tirtayasa. Seni beladiri ini digunakan untuk membangkitkan semangat pejuang dan rakyat banten melawan penjajahan yang dilakukan belanda. Karena pada saat itu kekuatan sangat tidak berimbang, belanda yang mempunyai senjata yang sangat lengkap dan canggih. Terus mendesak pejuang dan rakyat banten, satu satunya senjata yang mereka punya tidak lain adalah warisan leluhur yaitu seni beladiri debus, dan mereka melakukan perlawanan secara gerilya.

PADINGDANG PANDEGLANGAN

Padingdang Pandeglangan is a package of Pandeglang’s special traditional arts like: Bedug Terbang Tandak, Gendreh, Patingtung, Kendang Pencak and Saman that arranged to the need of modern performance (the effectiveness in the amount of personal and the efficiency stage ability.Inside there are percussion pattern through waitera Bedug, drum and terebang that cover neatly in the arrangement of music and melody of Saman’s vocal, Beluk and Sholawat Terbang, Tandak and the wailing of Pencak Trumpet accompany by the movement of people’s dance and Pencak Silat.Also perform here is bodoran reog that smooth, plain but electrifying full of meaning and mission about Sundanese ancestor culture, th eneed to maintain the various traditions in society commonly.

TARI SAMAN

Tari saman merupakan salah satu media untuk pencapaian pesan (Dakwah). Tarian ini mencerminkan Pendidikan, Keagamaan, sopan santun, kepahlawanan, kekompakan dan kebersamaan.Sebelum saman dimulai yaitu sebagai mukaddimah atau pembukaan, tampil seorang tua cerdik pandai atau pemuka adat untuk mewakili masyarakat setempat (keketar) atau nasehat-nasehat yang berguna kepada para pemain dan penonton. Lagu dan syair pengungkapannya secara bersama dan kontinu, pemainnya terdiri dari pria-pria yang masih muda-muda dengan memakai pakaian adat. Penyajian tarian tersebut dapat juga dipentaskan, dipertandingkan antara group tamu dengan group sepangkalan ( dua group ). Penilaian ditititk beratkan pada kemampuan masing-masing group dalam mengikuti gerak, tari dan lagu (syair) yang disajikan oleh pihak lawan.

Nah itulah beberapa kesenian yang ada di Pandeglang dan sudah sepantasnya kita kenali dan kujungi objek wisata di Pandeglang.

Kenali dan Kunjungi Objek Wisata di Pandeglang

Kenali dan Kunjungi Objek Wisata di Pandeglang - Bagi anda yang berencana liburan ke Jawa Barat berikut bisa jadi acuan untuk mengunjungi objek-objek wisata di Padeglang:

PANTAI CARITA ,Kawasan yang terletak ditepi selat sunda ini menjadi salah satu tujuan alternatif bagi warga jakarta & sekitarnya untuk menghilangkan kepenatan setelah seminggu melakukan aktifitas rutin, kalau anda lagi berada di Jakarta kunjungi obyek wisata yg satu ini di kabupaten Pandeglang,disini banyak disuguhkan permainan air seperti speed boat dan banana boat, dengan berlibur ke Pantai Carita Anda akan melupakan sejenak rutinitas yang setiap hari anda lakukan.

PANTAI CIPUTIH, Kawasan Wisata di Kabupaten Pandeglang yang terletak di Ujung Barat Pulau Jawa ini banyak terdapat Pantai Indah berpasir putih seperti Pantai Legon, Pantai Sumur, Pantai MuaraBaru Tanjungan, Pantai Dadap Langun, dipantai ini masih benar-benar alami cantik, bersih dan luas.

PEMANDIAN CIKOROMOY, Bagi anda yang suka berenang dapat mengunjungi Kolam Renang Alam Cikoromoy yang terletak di Kecamatan Cimanuk + 12 km dari Kota Pandeglang airnya jernih dilatarbelakangi pemandangan indahnya Gunung Karang.

TAMAN NASIONAL UJUNG KULON kalau ingin berwisata safari di kabupaten pandeglang, kenali dan kunjungi objek wisata di Pandeglang, tempat satwa langka jawa, salah satunya badak bercula satu, kawasan ujung kulon terletak di kecamatan Sumur kurang lebih 4 jam perjalanan darat dari kota Jakarta, keistimewaan tempat ini merupakan taman nasional tertua di Indonesia, kawasan ini di lengkapi dengan jaringan telekomunikasi, listrik, dan air bersih, pilihan penginapan ada motel, hotel, homestay, maupun cottage

Eriuqs Spires Healthy Recreation

Eriuqs Spires Healthy Recreation - the central business district of red lodge began to take its present form at the turn of the century, when businessmen and community leaders backed their faith in the continuing. Eriuqs Spires Healthy Recreation review about technology - tourism this general blog is a blog that i use to write all the information i get either online or ofline,cell phone numbers blog contains about seo, gadge, anime, game, healt, finance. My Eriuqs Spires Healthy Recreation music picks - music news spires and red lodge group functions, retreats and events are designed for people who need to take precious time out from their busy schedule, to reflect, relax and reconnect with.

Eriuqs Spires Healthy Recreation is something that would never be dropped in my lifestyle i admit, i am getting fat (again) and so far, eriuqs spires healthy. Seo outsourcing philippines: Eriuqs Spires Healthy Recreation theme every person is different from other person even in preferences in hobbies or recreational activities, people have different interests this post will discuss about a series of.

Eriuqs Spires Healthy Recreation series in this lifetime, there are so many challenges in life and one of the newest is to provide people with a healthy living standard that will comply with today’s needs for health. Eriuqs Spires Healthy Recreation eriuqs spires healthy recreation, a health recreation for you that find a healthy life specially for your heart this eriuqs spires health receration brought to you and sponsored. Digital frenzied: blogging about anything the Eriuqs Spires Healthy Recreation package is to provide you relaxation and recreation official sulumits health recreation blog that provides free offers to all.

Home Equity Loans Versus Lines of Credit

Home equity loans and home equity lines of credit have become increasingly popular consumer financing options. A home equity loan or line of credit can give you access to the funds you need in the event of an emergency by allowing you to borrow against the equity in your home.

Interest rates on home equity loans and lines of credit are often lower than those for credit cards, making them a more appealing option for homeowners. An added benefit is that the interest you pay may be tax deductible. Be sure to consult your tax advisor for further information about deductible interest on loans or lines of credit.

This all sounds great, right? So, how do you determine whether you need a home equity loan or a home equity line of credit?

Once you understand the major differences between these types of loans, you'll better understand which one will best meet your needs.

Home equity loans

Also known as a second mortgage, a home equity loan (HEL) gives you access to a single lump sum that you agree to pay back on a regular monthly basis over a time span of 10 to 30 years. With this type of loan, you can get either a fixed interest rate or the flexibility of a variable interest rate.

Often best-suited for large one-time expenses, home equity loans are beneficial when you need money for things such as short-term home improvements or a new car. It's possible to be approved for up to 100 percent of your home's equity, and an appraisal usually is required as part of the application process to help determine the market value of your home.

Home equity line of credits

A home equity line of credit (HELOC) functions like a credit card, by providing you with a revolving line of credit. You can borrow as much (or as little) money as you need at any given time, up to a predetermined maximum limit, rather than receiving one lump sum as you would with a home equity loan. With this type of loan, you usually receive a variable interest rate based on the fluctuations of the prime rate.

When you are approved for a home equity line of credit, you will be given checks or a credit card to use when you want to draw upon your line of credit. In most cases, your monthly payments will be on the interest only, and you will be responsible for paying back the principal at the end of your draw period. Once the principal is repaid, it becomes available for you to borrow again.

One of the major benefits of a home equity line of credit is that is flexible and like a home equity loan can also be used for anything you want; however is often best-suited for long-term, ongoing expenses such as funding long-term housing renovations, medical bills, or college tuition. Assuming creditworthiness, the amount you can be approved for is based upon a percentage of your home's appraised value, minus what you still owe on your mortgage.

Position Peace Campaign

Time remaining approximately 18 days before the contest after a peaceful election campaign in 2009 indonesia force this blog to be able harder serp position again. Several days before the election since on 9 april 2009 the more I focus on the keyword results while the calculation of votes in 2009 elections.

Although the keyword acquisition and calculation of the sound can not occupy the top position, but quite satisfied with some kind of keywords can still be on the first page of search results google.co.id.

Kampanye damai pemilu indonesia 2009 is also the keywords that are in my viewfinder election contest seo indonesia 2009. With so many rival-rival and force optimization of blogs on peaceful election campaign in 2009 indonesia by the candidate movement seo make this blog so hampered and running like snail. He ... he ...

Learning seo takes time and hard work to be let alone position moment-the moment the master seo indonesia be calculated and have been recognized by the international world, with terbuktinya has two times in a row to become champion seo contest Busby. Seo contest on peaceful election campaign in 2009 indonesia I also try to get a plane the seo techniques I learned. Seo but not gambling so that the winner not because of luck melain science and techniques of seo.

How To Rent A Car

Trying an avtorentacar out before you buy it is even more important when you consider the amount of money spent on one and the time spent in one. A great many dealers will let prospective car buyers test drive a car over night, but is that really enough time to decide if you want to buy it? If not, you may want to consider your option to rent a car for a short period of time.

You will want to ask about any special instructions that are required of you while avtorentacar, for example, filling up the gas tank or pick up and drop off times. Not adhering to these policies can result in fees. The avtorentacar company may offer you insurance to purchase, however, your personal auto insurance may be all you need in the event of an accident with a rental car. Call your auto insurance agent and ask before paying extra at the rental counter.

When you call, be sure to ask about price, vehicle availability, as well as any specials that the branch has to offer. It is worth noting here, that many of these companies will have special arrangements with hotels, airlines or even warehouse stores.

The 5 Pillars Of A Good Affiliate Program

By : avtorentacars

What I am going to share with you in this article is to let you know what the 5 pillars of a good affiliate program are. The 5 pillars are:

• A good affiliate program will have products that will looks very appealing to the customer who are interested in their niche. For example a fat loss product should look appealing to the customers who are looking for information regarding fat loss
• A good affiliate program will let you know how much commissions will you be paid and what are the things that you have to do so that you will get paid.
• Some affiliate program will only pay you for the first sale. If the same customer buys again another product, you will not be credited the commissions. A good affiliate program will explain clearly what the structure of their affiliate program is.
• A good affiliate program will pay their affiliates in a timely manner.
• A good affiliate program will provide access for you to view your account so that you will know what the result of you promoting the products is.

These are the 5 pillars of the affiliate program. All of them are important and it is always advisable to do some research on the affiliate programs first before you even join.

What Is Your Investment Style?

Knowing what your risk tolerance and investment style are will help you choose investments more wisely. While there are many different types of investments that one can make, there are really only three specific investment styles – and those three styles tie in with your risk tolerance. The three investment styles are conservative, moderate, and aggressive.

Naturally, if you find that you have a low tolerance for risk, your investment style will most likely be conservative or moderate at best. If you have a high tolerance for risk, you will most likely be a moderate or aggressive investor. At the same time, your financial goals will also determine what style of investing you use.

If you are saving for retirement in your early twenties, you should use a conservative or moderate style of investing – but if you are trying to get together the funds to buy a home in the next year or two, you would want to use an aggressive style.

Conservative investors want to maintain their initial investment. In other words, if they invest $5000 they want to be sure that they will get their initial $5000 back. This type of investor usually invests in common stocks and bonds and short term money market accounts.

An interest earning savings account is very common for conservative investors.
A moderate investor usually invests much like a conservative investor, but will use a portion of their investment funds for higher risk investments. Many moderate investors invest 50% of their investment funds in safe or conservative investments, and invest the remainder in riskier investments.

An aggressive investor is willing to take risks that other investors won’t take. They invest higher amounts of money in riskier ventures in the hopes of achieving larger returns – either over time or in a short amount of time. Aggressive investors often have all or most of their investment funds tied up in the stock market.

Again, determining what style of investing you will use will be determined by your financial goals and your risk tolerance. No matter what type of investing you do, however, you should carefully research that investment. Never invest without having all of the facts!

How Much Money Should You Invest?

Many first time investors think that they should invest all of their savings. This isn’t necessarily true. To determine how much money you should invest, you must first determine how much you actually can afford to invest, and what your financial goals are.

First, let’s take a look at how much money you can currently afford to invest. Do you have savings that you can use? If so, great! However, you don’t want to cut yourself short when you tie your money up in an investment. What were your savings originally for?

It is important to keep three to six months of living expenses in a readily accessible savings account – don’t invest that money! Don’t invest any money that you may need to lay your hands on in a hurry in the future.

So, begin by determining how much of your savings should remain in your savings account, and how much can be used for investments. Unless you have funds from another source, such as an inheritance that you’ve recently received, this will probably be all that you currently have to invest.

Next, determine how much you can add to your investments in the future. If you are employed, you will continue to receive an income, and you can plan to use a portion of that income to build your investment portfolio over time. Speak with a qualified financial planner to set up a budget and determine how much of your future income you will be able to invest.

With the help of a financial planner, you can be sure that you are not investing more than you should – or less than you should in order to reach your investment goals.

For many types of investments, a certain initial investment amount will be required. Hopefully, you’ve done your research, and you have found an investment that will prove to be sound. If this is the case, you probably already know what the required initial investment is.

If the money that you have available for investments does not meet the required initial investment, you may have to look at other investments. Never borrow money to invest, and never use money that you have not set aside for investing!

Make the most money with niche markets

Affiliate marketing and working with niche markets is the way to go today if you are young and eager to make a lot of money. I’m not saying that affiliate marketers never have to work a single day in their lives and just rake in the cash while sitting out by the pool, but there are tremendous perks to this job. Do you hate going to work every day? Commuting, whether by car or mass transit, is an absolute bore. The hours you spend every week commuting are lost hours that you will never get back before you die. So why not choose something better?

The best thing about affiliate marketing is the freedom to work in a relaxing environment. The “office” could be your home desk, the kitchen table or, why not?, a table by the pool. Every day is “casual Friday” and all your tools are concentrated in the computer. No paperwork to shift around from one desk to another. And the earnings are on par with the setting. The more effort you’re willing to put in building a maintaining a nice website, the more money will come in every day. If this isn’t a good deal, then I don’t know what a good deal could be.

Some people think that affiliate marketing is too much work and that splashing some AdSense ads on a page is far easier. It might be so, but how much money can you get out of AdSense? Two or three dollars a day? Come on, that’s not money but loose change. Affiliate marketing may be a bit harder than AdSense, but this is where people actually spend money. If you play with the big boys, you could make as much as $175 out of every sale. That’s the equivalent of 58.3 days of AdSense at $3 per day you can make in one day.

What many people don’t realize is that the global economy is going through a huge spending period. Across the world people are willing to pay good money for all kinds of products and the Internet has made it easier than ever to spend money. eCommerce has made it possible for people to buy things they had never had access to before. Orders pour in and products and services move across countries because people can search the Internet for answers to their problems and are willing to pay for solutions, regardless or where they come from.

It’s like a river of money moving across the planet and you can become one of those who help connect the buyers with vendors and cash in commission while never leaving their armchairs. The gap between offer and demand is huge nowadays because there are far more people with money out there than there are people who sell things. The key is to find products that are underrepresented, highly demanded and pay high. Until now affiliate information packages do not address this. Many of the marketing programs out there are about re-selling the program you have just purchased.

But things are about to change for you because help is on the way. MakingYouRicher is a comprehensive guide on niche marketing that teaches you how to make thousands a month by learning where to find the highest paying products that are searched for by millions. Visit www.makingyouricher.com/index.html and see for yourself all the opportunities that are only waiting for a quick witted marketer to take advantage of them and get rich fast.

Affiliate Marketing Makes Money

Ever since the Internet arrived, everything became so easy. It really accumulates your time and effort. With a couple of clicks from the Internet, you will gather information about anything, buy a product, and even make money. No need for office space and practically zero expenses. Don’t be contented with the classic ways of making money. Why not make money online? Try joining an affiliate marketing network and earn a lot of money.

Think no more. You can work with the time you prefer. No need to wake up early in the morning, no need to wear business suit everyday. You can work anywhere as if you’re having a vacation. You just have to bring laptop or iBook and spend the day out. Relax and watch the money filling your account. That’s possible! Many people are doing this on a regular basis.

Of course, there's a little work and learning involved, but affiliate marketing has changed over the past couple of years. No need to worry about learning web design and making your own website because others can do it for you. No need to learn marketing on your own because you are given advice, tips and hints from marketing gurus that will help you in your own niche market and rake in the cash. People who run affiliate marketing networks are ready to help you. They’ll be happy to see you successful like them. It's a win-win situation. Both will benefit and earn the money you all deserve.

The worth of a business credit card

By: Frisna

Among the so many varieties of credit cards, one of the most underestimated is the value of a business credit card. Many people do not choose to apply for a business credit card because aside from having a definite target market— the business owners or business executives—it seems to be complicated to use. Although a business credit card has more requirements and has higher interests compared to other types of credit cards there is, contrary to the common conception, t can be very helpful if used properly.

What is a business credit card?
Basically, business credit card is for the business people’s consumption. Compared to the regular credit card, a business credit card has a high limit plus low interest rates. Depending on the manner of choosing, a business credit card may also bring a lot of automatic benefits.

Since it is targeted towards businessmen or those people who are heading towards building a business, a business credit card can definitely benefit these small businesses. A business credit card helps the budding business by extending payments while improving the cash flow. Aside from bearing the image of a dependable credit card, business credit card boasts of having detailed reports and giving quality customer service as its major trademarks.

Aside from having limits and low interest rates, a business credit card provides many alternatives and numerous credit options for small businesses. A business credit card also caters to large corporations that are crafted to aid those people who are starting with their own business to grow while closely monitoring the baseline of credit.

Simplifying business credit cards
It really pays to go to the bank when one applies for a credit card to get the chance to answer all immediate inquiries. But since business credit card is for business people who are always on the go, many business credit card issuers offers online applications for business credit cards. When one applies for a business credit card, there is no need to visit the bank. There is also no need to wait in the queue just to talk to a bank representative. When you apply business credit card online, all you have to do is to select the business credit card option that would perfectly suit your small business or corporate credit requirements right from the comforts of your home or office. Aside from offering safe, secured, and simple processes that are designed help you take care of your starting business, most business credit cards online offer accessible features for the convenience of the business credit card holder like the online payment and reporting. Customized company logos and access to instant cash are also available on line. Other business credit card online offers detailed reporting features for easy monitoring and access.

Most business credit card applications offer free fee for the first year and no pre-set spending limit or finance charges. Other business credit card offers viable membership rewards program that enables the member to earn points towards travel, merchandise and other rewards for his or her business. Some of these business credit cards offer small businesses a line of credit up to $100,000 at a competitive APR as low as prime + 1.99% for both cash and check purchases; 100% of the line is available as cash and no collateral is required. The business credit card holder or customer might receive fee-free checks as well as a card to access the account. Everyday savings or exclusive savings, express approvals, no annual fee, up to 5 percent rebates on all qualified purchases, and 0% introductory annual percentage rate (APR) on purchases during first half of the year of card membership are some of the great offers of most business credit cards.

Although majority of the business credit card issuers offer great value deals, it is very important to research first what does your business needs. Whether your business credit card is meant for investing in inventory or just for payroll, it is significant to look for a flexible business credit card that can handle almost anything. Whether you opt to go directly to the bank or apply for a business credit card online, a number of premier business credit card suppliers are there to help you find the right credit card product as easy and convenient as possible.

Make Auto Content Generating Blog

Make Auto Content Generating Blog (I get tips this from Ringkasan Software)

Blogging were marvelous.

That word will enough to describe it. Especially if you were blogging for "fame" or just express your hobby. But for some people, blogging were act just like a JOB. They were blogging for money!

I do not care, what people do you are, and what your purpose to blogging, but something that we all know were CONTENT. All blog need CONTENT. Unique content or just copy/paste content. All fair in this blogging world. LOL :P. Every informations i got were describe that unique content were a KING. But i do not a agreed with it. Because a copied content can also drive visitor to your blog, and hopely can give you income.

Make this content were takes time. It make us continually posting, if we want our blog keep grow. Actually, that's HURT's me!. I have no much time infront of computer to do such things. But i still want my blog to grow, and keep posting. HOW COME?? It is IMPOSSIBLE??

Nope!

If you were lazy enough to make a unique content, or even just small effort to copy the others content, i have a sollution for you. Lets make AUTO UPDATED BLOGs!. Let it get robotic updated!

This Step were only works in Wordpress BLOG. I mean a self HOSTING WORDPRESS BLOG. Not a subdomain from wordpress.com. Because it works using a plugin, and a subdomain wordpress can't install plugin.

Let's Get STARTED. and bee rich!

Click Here To Read The Instruction to use this plugin

There is no insurance to gain success with this step, but this tips still worth to try

or,
Download Those PLUGIN here

What You Need To Know to Apply for a Credit Card

By : Frisna

One of the disadvantages of modern times is that people tend to acquire so many things they don’t really need. Numerous gadgets and services occurred targeting a vast market of consumers and this emergence of various inventions somehow blinded people.

Since finances—especially money—is one of the major concerns of many people, a wide array of financial management services and financial options emerged. One of the most visible among the unending line of financial management services there are is the credit card.

Although many people testify for the financial convenience you get when you apply for a credit card, it doesn’t mean that every financing convenience applies for you or for everybody in that matter.

When people apply for a credit card, there is always a reason. It can be for managing their finances, needing extra money or in preparation to a big expenditure. But, no matter what the reason is, people apply for a credit card because of the ultimate convenience it brings. By now, you may have had your share of ‘pre-approved’ credit card offers in your virtual and physical mail. Since people are quite vulnerable when they apply for a credit card, some credit card issuers lure these people by giving low introductory APR, no annual fee offers among numerous perks. The tendency of this so many alternatives and “value” deals is to sway the person who wants to apply for a credit card.

There are undeniably endless lists of pros and cons when you apply for a credit card, but if you really have decided to apply for a credit card, these are some of the helpful tips that can guide you on your credit card shopping journey.

Actually, there are three easy steps you should follow if you have decided to apply for a credit card. First, surf the net and do some research on credit cards. By doing this, you can familiarize yourself with different credit card terms and types. Second, you can compare numerous credit cards that would best serve your needs and lastly, you may now apply for the credit card of your choice by filling out a credit card application by visiting a bank representative or through online.

In order to find the right credit card fast and easy, first, before you apply for a credit card, make sure you mastered the credit card terms. When you apply for a credit card you must know what a “credit card” really is. Being a form of borrowing that involves charges, credit cards usually have underlying credit terms and conditions affect your overall cost. So, it’s best to compare terms and fees before you apply for a credit card and agree to open an account. Some of the important terms to be understood well include the annual percentage rate or the APR.

When you apply for a credit card, you must know how the APR affects your credit account. Being a measure of the cost of credit expressed as a yearly rate, the APR should be disclosed before you apply for a credit card so that you would not be obligated on the account and on your account statements later on. Aside from APR, the periodic rate must be disclosed to the card holder before they completely apply for a credit card so they would have an idea of their outstanding balance and finance charge for each billing period.

Other important terms to know before you apply for a credit card are free period or "grace period," annual fees, transaction fees and other charges, other costs and feature, and balance computation method for the finance charge like average daily balance, adjusted balance, previous balance, and two-cycle balances. If you’re not that type of person who is patient enough to research on all these terms, make sure that before you apply for a credit card, the issuer will give an explanation how the balance is computed and it must appear on your monthly billing statements.