Banyak orang terbangun di waktu yang sama saat malam hari. Sayangnya, fenomena ini sering kali diabaikan.
Namun, tahukah kamu bahwa ini adalah cara tubuh dan Tuhan berkomunikasi denganmu.
Pengobatan tradisional Cina menggunakan titik energi untuk teknik akupunktur.
Titik-titik energi ini terhubung dengan sistem jam yang dipercaya memberi energi untuk bagian tubuh tertentu.
Jadi, dilihat dari waktu kamu bangun di malam, tubuhmu sedang mengalami sensasi tertentu. Ini juga sebuah cara fisik dan emosi menyampaikan masalah padamu, melansir EliteReaders melalui tribunnews.com.
Terbangun di tengah malam sebaiknya jangan diabaikan. Dalam pengobatan Cina, siklus tidur menjadi saat kita menerima pesan dari Tuhan.
Pesan-pesan ini yang dapat mengungkapkan perjalanan spritual kita.
Bangun Jam 9 – 11 Malam
Jika kamu kesulitan tidur di antara pukul 9 sampai 11 malam, itu adalah pertanda stres.
Ini adalah jam tidur bagi kebanyakan orang. Jika kamu malah merasa sulit tidur, tandanya kamu sedang stres dan khawatir. Shalat hajat bisa jadi solusi untuk masalah ini.
Bangun Jam 11 – 1 Malam
Terbangun pada pukul 11 malam hingga 1 pagi pertanda kamu mengalami kekecewaan emosional. Pengobatan Cina kuno mengatakan bahwa ini adalah waktu dimana kantung empedu aktif.
Bangun pada jam ini menunjukkan kekecewaan. Cobalah untuk tenang dan memaafkan dirimu sendiri, maka akan membantu.
Bangun antara pukul 1 hingga 3 pagi menunjukkan kemarahan. Titik energi terhubung dengan hati.
Bangun pada jam ini memnunjukkan bahwa kamu sedang marah dan memiliki energi “Yang” berlebihan. Coba minum air dingin dan meditasi agar bisa tidur kembali.
Bangun Jam 3 – 5 Pagi
Jika kamu bangun pukul 3 hinggal 5 pagi, tandanya Tuhan sedang berusaha berbicara padamu.
Jam ini menunjukkan bagian paru-paru dan kesedihan. Jika kamu bangun di jam ini, maka dipercaya Tuhan sedang membimbingmu untuk jadi lebih baik.
Coba bernafas perlahan dan berdoa agar bisa kembali tidur. Siklus bangun tidur terakhir adalah pukul 5 hingga 7 pagi. Jika kamu bangun di jam ini, dipercaya kamu sedang memiliki emosi yang tertahan.
Begini Cara Allah Menyampaikan Taufik dan Hidayah Kepada Umat-Nya
Dzikir seperti apakah itu? Dari Ubadah bin Shamit, dari Nabi bersabda,
“Siapa terbangun di waktu malam lalu membaca, ‘Laa Ilaaha Illallaahu Wahdahu Laa Syariikalahu, Lahul Mulku, Walahul Hamdu, Wahuwa ‘Alaa Kulli Syai-in Qadiir. Alhamdulillaah Wasubhanallaahu Walaa Ilaaha Illallaahu Wallahu Akbar, Walaa Haula Walaa Quwwata Illaa Billaahi,’kemudian ia berdoa ‘Ya Allah, ampuni Aku’ atau berdoa pasti dikabulkan doanya. Jika ia berwudhu dan shalat, pasti diterima shalatnya,” (HR. Al-Bukhari).
Dari segi ilmiah, ini pertanda kamu mengalami masalah di usus besar namun bisa diatasi dengan renggangkan otot atau pergi ke toilet agar bisa kembali tidur.
Tubuh menyimpan begitu banyak rahasia. Jika kita belajar mencari tahu dan mendengar, maka tubuh sebenarnya sedang memberi tahu kita informasi. Kita juga bisa meningkatkan kesehatan fisik dan spiritual dalam kehidupan kita.
Sumber: wajibbaca.com
s process may sound simple but, for example, if your child doesn’t know they are the beneficiary to your life insurance policy, they may not be able to claim the payout should you pass, so make sure to keep your family informed.
Each whole life insurance policy consists of a few key elements:
Death benefit
Also called the face value of the policy, this refers to the payout the beneficiaries will receive upon your passing. Death benefits are tax-free so long as you’re below federal and state estate exemption levels, which is the case for most households as the federal exemption level is approximately $5.5 million and only 18 states impose estate or inheritance taxes. Policy face values are typically available in increments of $50,000 or $100,000, though they can go up to several million dollars. Whole life insurance policies are generally more expensive than alternatives, such as term life insurance, and the death benefit directly impacts that cost, so it’s important to evaluate your family’s needs before deciding to purchase.
You may see products, such as final expense whole life insurance, with death benefits as low as a few thousand dollars. These policies tend to be less expensive as they have a low face value and are designed to cover end-of-life costs. Given the average cost of a funeral is around $10,000, these policies can be incredibly valuable if your family doesn’t have an established emergency fund, or would be put in a difficult financial situation trying to cover burial expenses.
Premium
This is the cost of the policy, and can be paid annually, bi-annually, or monthly, depending on your insurer. Premiums are generally paid for the life of the policy, though some choose to pay a higher premium for a shortened period of time, such as 20 years, in order to make sure their policy doesn’t lapse later. This option can often be useful for people that currently have high incomes that can cover the costs, and want to lock-in coverage for their family no matter what happens to their income in the future. If you’re able to afford it, this can be a simple way to reduce your family’s financial risk profile.
Cash value
As with other permanent life insurance policies, whole life insurance accrues a cash value over time. The cash surrender value is what you get if you surrender the policy to the insurer. It is not added to the face value of the policy, which your beneficiaries get if you pass away.
The cash value grows tax-deferred over time, and is guaranteed to grow at a particular rate in the case of whole life policies. This is why whole life insurance policies are often referred to as an investment vehicle. While the guaranteed rate of return on the cash value may be lower than other financial products, it can lower the overall volatility of a portfolio (though this benefit assumes you have a breadth of existing investments). The cash value can be used to:
Pay premiums
Purchase additional coverage
Withdrawn (in certain cases)
Provide a tax-free loan (for emergency expenses, a mortgage, or other needs)
Keep in mind that if you’ve borrowed against the cash value of your policy and pass away, the loan will be deducted from the policy’s death benefit.
Dividends
Dividend paying whole life insurance, also known as participating whole life insurance, refers to policies offered by certain insurers that pay a dividend in the case that the insurer performs better than expected. Essentially, you, as a policyholder, get to participate in the profits of the company (as determined by the insurer once they’ve paid all death benefits and other business expenses). As a simplified example, if the insurer collected $90 in premiums and made $10 in other income, but only spent $95 in payouts and costs to run the company, the $5 remaining would be shared across the policyholders as a dividend.
Given that dividends are dependent on your insurer’s performance, there’s no guarantee they’ll be paid each year, though some insurers have consistently paid dividends for decades. If you’re considering whole life insurance policies from two insurers with the same features and premiums, that one insurer offers dividends is certainly an advantage to note.
Guaranteed acceptance & no medical exam whole life insurance
While the medical exam isn’t actually a component of a life insurance policy, it’s a fairly standard requirement that goes alongside the underwriting process, both of which are used to evaluate your health and determine your premiums. Some insurers offer no medical exam, meaning you still have to answer questions about your health and medical history, but aren’t evaluated in-person. This option sounds great, as people often think of a long, in-depth exam in a doctor’s office. However, the exam is generally quite short (about 30 minutes) and can be scheduled at your work or home. What this means is that you’d be paying significantly higher premiums (since the insurer is taking on additional risk) to avoid a relatively painless medical exam.