jacky's opinion

HomeSchooling and its Excellent Advantages

2009-11-10T19:55:00.003+07:00

Homeschooling becomes trend now, especially for parent who want to see their kids grow closer. Behind the reason, there are many aspects stay behind them to choose homeschooling. Parents have their lovely reasons to choose it. For example, my nephew has problem in class. He couldn’t focus on lessons because he had slowly ability to understand. To solve the problems, I recommend him, to enter homeschooling to his parent and today, he found amazing progress on the kids. We can also keep an eye on his studying.
Demand on homeschooling is also caused by traveling or vacation. Many vacationers also bring their kids to anywhere, in order to keep their kids in studying; most of them enter their kids to homeschooling. As well as the school, homeschooling also has the same quality. Homeschooling curriculum also has the same quality and the same level with the school. That is why parent trust to online school.
Not only kids, homeschooling is also available for anybody. If you are in school, you can use homeschooling to make deep understanding or to learn faster.
How it works?
As long as we have internet connection, homeschooling will work. Using curriculum online with web-based learning and available with video clip and sound make homeschooling becomes for attractive and more intensive.
Online schooling makes our life easier and better, because we can learn from anywhere and to keep on eye closer to our kids even we sit beside him to see his progress. Parent can control their kids from wild environment in the school and many more. For interesting parents, you can see the detail at Global Student Network site for more information about registration process, cost and kind of available courses to take.

Decision to enter labor market and rearrange my schedule

2009-11-08T08:06:00.001+07:00

Since I always wake up in morning and go to work with the company, I get less time to sit and update my blogs. I fight force to go work because I want to learn the system, get live experience and associate with others as you know working from home with my computer restrict me to meet my neighbors.
My schedule and activities in updating and maintenance don’t run well. Every time when I go back, I find myself sleepy and have no concentrate in ideas. I am tired and need to take some rest. There are dozens websites belong to me and some of them is client’s website and others is commercial websites of mine.
I am happy working at the villa agent because there are nice guys and they trust to me. I think that the position makes me more comfort and raising my confidence. They have great stories about their working experiences, funny stories when they handled the guests and gossip in the office.
It is very hard to reschedule the time. Because I spend full day in office, Night time belongs to my website(s). That is the natural solution because a day only has 24 hours. I remember the class topic, LABOR, DECISION to WORK. The topic is easiest to understand. The opportunity cost of Leisure is WORK (SALARY) or the opportunity cost of WORK is LEISURE. Labor goes to work because she/he accepts the level of given salary.
Most friends said to me, Hey Jacky, spend to your time to work at professional office in order to getting live experience as employer (LABOR). They know that I have 0% interesting to be one of the labor supplies. I prefer Labor Demander (OWNER – Investor). So as you see, my blogs have no much time to be updated because I spend full day in the office.
Ok, first month is adaptation process and now I can manage my time more effective and more efficient.

Excellent Apartment Rental Information in Moscow

2009-07-21T21:08:00.002+07:00

I am currently living in Bali, and I find good information about hotel, villa and travel management and its business. My cousin works at Villa and told me much about how to build buzz to the vacationers; How to make them feel like their own home, keeping their privacy and running excellent services to them. As well as in Moscow I think and any places around the world. Apartments rentals services in Moscow does the same thing. First, they are information center for vacationers. Not only for vacationer, this is the great information for any foreign people who decide to visit Moscow with certain purpose, business, leisure or traveling.

The second one is Moscow Apartments list for daily rentals. Daily update integrated system with most apartments near the center of the city. We need information like this; each second is updated if new apartment is available to book. I don’t know well about the Moscow because I never been there but I know about well about apartment services, I can say, those apartment in their listed are best because completed with excellent services and the location is near the city.

You might to book for long term while your business is not finish yet. But the good news is those apartments are ready to book in short term periodic. Click here for more information Apartment for short term near Kremlin

Before booking, please read each apartment feature such as in apartment services, internet connection, location near your activities and location. Do not heritage to contact the support team if you need more information for example discount price for large group, bedding customization and more.

High Speed Broadband-Comfortable Access

2009-03-18T02:01:00.007+07:00

It was a modern technology and people paid expensive to get access on internet – lower speed made them staying longer time to find news – store or information to meet their needs, but today access to internet has become basic needs to citizens and government has one more task in their public services obligation item - providing internet access include to infrastructure. In wealth countries, governments try to serve free access to internet and this plan closes to realize.

Problem on Internet Access
Hottest issue is why we pay expensive for high-speed access? I talked to my friend in England, sharing my bad connectivity but surprisingly he said that he also has poor connection as his area far from cities and he walked to internet using dial up access or using another providers. He told me about government plans to build high broadband speeds to cover all locations to meet standard access like easy to play streaming video, access to high megabytes data and more upload and download access. He also said that his location will be covered on free access through broadband in near; perhaps his location is one of covered areas.

Governments do know exactly, broadband has huge weakness about the wireless signal due each locations are differed by unique geographic condition, signal strength and wireless infrastructure. High cost must be spent to allow all people have good access. Because any access include data, online store and information have been going on internet, people put highest reliant on the internet. Most services are going to internet and estimated that people put their live on internet. So where it will be happen? The good news is most locations have already entered to broadband access and only small regions (have unique geographic condition) have poor access to broadband so, there are some option to build internet access through others providers.

Saving Cost on Communication Monthly Billing

2009-03-16T01:17:00.003+07:00

It is time to change our business communication tool, from flexible to fix tariff – from national field to worldwide with fix rate. Here is the great news, but I think if Sprint Communication Systems has 18 years in experience, this communication model is old method and you have to change it now and replace your old communication model to new one.

If you are running your business with highest frequency call or sending message – talking to your client and partner or talking with your branch around the world, business mobile phone package from Sprint communication system will work well on you. Before we go on with terrific information about business mobile phones, I need to say that each providers around the world put different tariff, to protect their costumers, to take market segment due same network operator has cheap tariff – but in reality we have thousands client – partner –agency with different network providers – different tariff on them and also different feature on them. You need to analysis your phone bill for month and compare if you use business mobile package and contract to handle your communication and services to your client and costumers.
For example, if you choice business mobile phones deal 1, you will get fix tariff £25 per months include 4800 minutes talking time and has access to international number, big space for internet browsing each months, account manager to check your usage and direct help on your bill and finally you will use the feature with free phone cell such Nokia/Samsung/Sony Ericsson (phone cell brand is depended on you – available on your needs and preference.

There are many business mobiles deal and contract with huge and nice feature to let you increasing your business services, saving your monthly communication billing and free analysis on your communication tools. No network operators will do like this, right! If you need to know more, you may insert your phone number and they will call you back – to help you increasing your business with cheap tariff. If you are understanding businessmen and has known about business mobile phones, you just make apply to them with your prefer package and contract – after that you will be connected to expert advice to make come conversations and to discuss about your business such as how many percentage of your communication through phone line, your office location ect.

Increase Your Store Using Prodigy Payment Systems

2009-03-12T01:40:00.003+07:00

These days, people have less cash in their pockets. Many advertising on TV shows that. With a card, they can do anything and never lost anywhere. This is the solution of Banks to their costumers to avoid holding a lot of cash in pocket and the important one is to help them (their costumers) in financial needs.
Once Banks help their costumers, Prodigy Payment Systems will help any online store, online merchant and other online businessmen to accept any worldwide cards, check, wireless when your costumers does purchase on your store. I’m so sure that your are outstanding online business owners, online store owners, but let take a time to see one of the best merchant account provider that you can use as your payment tool – shopping cart on your store.

All merchant providers are trusted and have secure shopping cards but let see deeper, not at all accept worldwide purchase payment tools. I have an experience when I bought through online store – where the online store didn’t support with my payment tool. I declined the process. As you know, not only me – many people out there declined their shopping when they knew that your store has limited purchasing payment tools. This is why I put Prodigy Payment Systems – an online merchant provider for you – to be your partner. Main goal is to increase your sales as the store has already accepted worldwide purchase payment tool.

Any Credit Cards – Debit Cards – Benefit Transfer – Wireless Transfer, Gift Cards are accepted and available in prodigy payment systems.
You might to check your pocket – how many card do you have? Two or Three or more? Not only you – everybody does it as you and they will use it for any transactions. So please integrate your store now by accepting any credit cards and debit cards, electronic benefit transfer, gift rewards. Prodigy Payment Systems also supports to wireless payment to make your potential and current purchasers still stay on your store as your store supports to them. This is the fantastic purchasing mechanism.

You may question to their costumer representative – to ask them about your store – ask about your address – does prodigy payment systems supports to your country if you are outside US region or you may ask further information about anything. Replay will be processed quickly as they know and understand you. Do not wait for long time as you will lose your costumers and any potential purchasers.

Indonesian Rupiah still do nothing against $US

2009-02-07T00:23:00.002+07:00

After run in economic downturn, all sectors have been attacked so hard. Business run in profit loss and major industries such as Panasonic Hitachi, Sony and others gained net loss in their quarter report in economic downturn.
Indonesian Rupiah shows nothing changes after closing weekend couple hours before. Brokers and investors still wait US economic recovery progress after stimulation package economic recovery is launched. Both of them (Brokers and Investors) still wait to release their US Dollar in market for profit taking or for investment.

Market still waits and the situation went worst after declining report on Indonesian International Trading- Balance of Payment. Indonesian Export took hard suffer on economic downturn. Low in foreign demand is main factor behind the internal impact on crisis such as expensive on input price, inflation and exchange rate as the main factor in trading.
Our local television reported that crisis has attacked export in developing countries and also focus on China as new tiger from Asia because Chinese products for export is being declined due the lowering demand in any countries. European and America is main destination of their export products and we have seen that economic downturn caused demand for export good is significant decrease.

Over production and over supply for export products now happened on any exporters business. To increase export is depended on foreign demand. New hope is to find new buyer.
American Recovery program is running now and anybody still wait it.

Recovery Program on CitiGroup, CitiCorp and City Holdings

2009-01-18T01:06:00.002+07:00

One of US Giant Banking CitiGroup announced that they are in planning to divide their business into 2 different companies, Citicorp and City Holdings. This plan was published after financial reported on fourth quarterly report showed a big profit loss around $8.28 millions USD.
To make deep focus in their main goal, where Citicorp will focus on retail banking and commercial business and Citi Holdings focus on management asset division and securities.

As we know, Citigroup is one of bailout members from US Government with a lot of money around $45 millions USD and Citigroup also gets back up from US government as bailsman on treasury and high risk loans around $306 millions USD.
To BBC News reporter, CEO Citigroup Vikram Pandit said that our new strategy is to make more focus on our business and company. Market condition and Economy recession made us to fast our feet, to repair our high profit loss and to increase our performance as one of the American Giant Banking.

Analysts said that the separation into 2 company showed that Citigroup try to build strong business and to get profit from debtors’ interest rate and they will get it beyond on citygroup.

Citicorp has lighter goal and duty but City Holding will responsible on Bad Loans (high risk loans) and to choice which profitable investment in future. To make it goes well, Citicorp now looks for new manager with strongest vision to help Citicorp and CityGroup escapes from problems.

While downed into crash, CityGroup CEO Pandit said that they have commitment to help financial recovery in faster and to build fresh and health financial market in near.

Source: BBC News

Indonesian Non Performing Loan Report

2009-01-07T22:56:00.003+07:00

Indonesia Non Performing Loan (NPL) estimation is being increased in 2009 this year. The statement was said by Mr. Muliaman D Hadad Deputy of Indonesia Central Bank (Bank Indonesia) in Jakarta Tuesday.

The deputy said that cash liquidity (financial liquidity risk) is ok as well as market risk but credit risk is estimated to higher (trend). It is a normal condition, while global financial crisis and global economic crisis attacked all countries. Low on Demand (purchasing power parity) then declined demand for goods. Both credit loans from household and industries go to trouble. Crisis took to long to recover so we have no reason to wait better condition in foreign demanders.

Indonesia Exporters are attacked so hard as global crisis, Low of Demand in America and Europe made exporters to cut their production and employers as over stocks. Domestic market is potential market but there the multiplier of global crisis has already been arriving in Indonesia so it is not a good market. Chairman of KADIN said that to prevent worst condition to exporters, Indonesian Exporters must replace foreign market to domestic. Indonesia has big population and they are potential demand.

Indonesia Central Bank (Bank Indonesia) estimated that the growth of credit risk rate is set around 5 percent, higher than Banking NPL Gross in 2008 reached 4 percent.

The Global Financial and Economic Crisis forced Investors didn’t do anything, just stay and wait for better condition, So Banks have much money, unused money in banks but there are some banks have problem with cash liquidity and Mr. Muliaman said Central Bank (Bank Indonesia) will choose best plan to repair segmentation between banks, more cash liquidity and lower cash liquidity. Monitoring is good solution Mr. Muliaman said

Sri Mulyani Stated on Government Budget

2008-12-30T23:29:00.003+07:00

Indonesian government claimed that there are available government budget around 60 billion IRD till December 2008. Indonesian finance minister Sri Mulyani said that the budget was obtained from tax revenue and the unused government spending on several departments. The statement was launched Sri Mulyani in teleconference with traders in Indonesia Stock Exchange on Tuesday December 30th. Indonesia Stock Exchange will open on January 5th 2009 on Indonesia local time.

Indonesia Finance minister said that the fund would increase in near as the tax revenue. The realization of tax revenue is higher that estimated around 5 – 6 percent as the new assessable risen. Mulyani showed this happiness and smile as the appreciation from assessable.
She also said that only 93-95 percent of total fund is spent, so according to minister, remain budget will be used as the economic stimulator in 2009 to refresh Indonesia economic around 12.5 billion IRD.

Indonesian Cocoa Export Yearly Report

2008-12-30T22:18:00.002+07:00

National cocoa exports in 2008 decreased approximately 20 percent of export realization in 2007 reached 532,000 tons. Halim Razak as Chairman of General Association of Indonesian Cocoa said that the decreasing of cocoa export is caused by global crisis and the lowering of total cocoa production on this year.

According to him, the slope of export is influenced by the amount of gradually production. As an illustration, in 2006 the total cocoa production was around 900,000 tons, and then decreased in 2007 to be 532,000 tons, and this year's predicted around 490,000 tons.
Meanwhile, domestic market is estimated reach of 230,000 tons per year. Thus, if the cocoa production has decreased, while domestic demand is relatively fixed, then the cocoa export allocations to be decreased.

The condition goes to worst if we see the price trend in recent six months. In September 2008, the price of cocoa is still 2,600 U.S. dollars per ton, now only around 2,100 tons of U.S. dollars, while local market price for cocoa in September 2008 is still 3.500/kg Indonesian currency, but now only about 18.000/kg Indonesian currency.

South Sulawesi and West Sulawesi is the center of national cocoa production, take around 70 percent of Indonesian cocoa production. Halim Razak also said that decreasing of total cocoa production is caused by the cocoa age is over 15 year-at the period the plant result lower production. He also told that to solve the condition, government must help the farmer to replace with newer and to kill the cocoa disease.

Israel Hamas conflict Recession goes to worst

2008-12-30T03:01:00.003+07:00

Conflict between Israel and Hamas in Gaza, Palestinians, estimated to add global recession impact deeper and takes time to recover. First is financial crisis and now Hamas-Israel conflict. When global economic find itself momentum to health?

Indonesian economist said that Indonesia will down worst against the conflict in economy. Indonesia will enter a long difficult period. He said that the victims of the conflict are Palestinians and the global people whom get directly impact on conflict. According to him in few days’ impact of this conflict will be felt such as gold price, and crude oil prices. There are some argumentations from him related to the Hamas-Israel conflict.

Pure conflict or Not
We do not know the economic reason (behind the screen) except revenge of Israel against their citizen killed by Palestinian militant rocket. Some prediction said that the conflict is raised in order to increase oil price. As we know, oil price is still cheaper, below $50 USD per barrel. Middle-East countries have already been suffered by the price.
The fact, the conflict makes global economic recover to be worst and takes time. Oil price run higher $2 USD per barrel, higher on gold, mineral, agriculture commodities as investors take time to see the both short and long term impact.

Message to New USA President
He said on Indonesian online newspaper, Detik; the conflict has one mission for Obama. This is first test for Obama related to his mission in Middle East, Does Obama stay behind Israel or not. But the conflict sends a special message to world that if the conflict continues, the economic recover shall not down into bigger depression.

source Kompas.com

New Deal between AIG and Munich Re

2008-12-22T23:29:00.003+07:00

Monday 22 December 2008 towards the end of the year, AIG (American International Group Inc.) do not know with the privatization will sell Harford Steam Boiler (one business unit) to reinsure the German company Germany Munich Re for $ 742 million. Sales conducted as this effort as company rescue and as a step to pay the loan.

The purchase price is considered lower than the price of HSB Group Inc. 's, which has reached $ 1 billion and $ 2 billion by the Financial Times, which forced them to sell assets, assets to the government loan to pay for the United States (U.S. government bailout loan) government loan.

To reporters, Joerg Schneider, Chief of Munic Re Financial said that the financial condition when they face now is not something that is expected and dreamed recently.

AIG spokesman said that they have no good reason or dare to comment because the transaction has not agreed to terms, but Douglas Elliot, AIG spokesman explained that this transaction is uncertainty in the market and of course their clients (the German reinsire Munich Re) Munich Re plans to complete the purchase in the first quarter of 2009 next year, and will assume $ 76 million as of HSB's outstanding capital securities.

HSB, which is based in Hardford, Conn, is one of the subsidiary of the Hartford Steam Boiler Inspection and Insurance Company with the task of engineering insurance and inspection.

Peter Roeder, Munich Re board member responsible for business HSB in America, said HSB is interesting, because low-risk investment because only play in the field of business only. Acquisition HSB process is perfect as a strategy for market entry to the United States. This is a good step in restoring our position as one of the best and the purchase is regarded as a high ROI

Reinsures sell backup coverage to other insurers, as one of risk management, and when problems occur, the system can handle large or widespread losses. Munich Re also operates ERGO, one of Germany's largest insurer, and Munich Reinsurance America Inc.

HSB is romoured will be sold, as an effort to get fresh funds to restore the emergency loan from the government of the United States about U.S. $ 150 billion in a rescue effort from the government of the United States against companies that have problems in the credit crisis or credit misfire

AIG also received the actual injection of funds from the Fed of $ 85 million USD in an attempt to overcome credit problems and the debt is actually paid. Because the loan from the United States government $ 150 million USD have been paid by the AIG.

AIG does not expect much from the high price of the auction business unit that will be sold, but they will still maintain AIG as one of the U.S. property and casualty and foreign general insurance businesses, and retain ownership of their branches throughout the world as one of the insurance companies in the world

The Company does not have assets that are specifically disclosed it will sell or the expected price of the sale. However, AIG has said it plans to retain its U.S. property and casualty business and foreign general insurance, and plans to maintain a foreign ownership in life insurance operations.

Formula year 2009 Economic Improvement

2008-12-22T14:45:00.004+07:00

When the global crisis strikes the world marked the failure of financial institutions in the United States unions, the entire world's Central Bank to do the trimming of interest rates. No one exception and even some countries to make the moratorium on the stock market and money markets.

It is a phenomena and extravaganza global crisis, worst than the great depression because Credit Crunch also attacked worldwide countries. The crisis that occurred in the United States on the impact of this crisis across the country in the world, even richest countries such as Japan advanced countries, the European Union, Australia also submerged in crisis.

Trimming interest rates by the Fed followed by almost all other countries except Indonesia. Indonesia increased interest rates with reason to keep the flow of foreign exchange abroad. In the short term it is true, trimming the interest rate level is appropriate if we see from the time lag it.

Experts estimate the economy (World Bank and IMF) that the global crisis will continue to progress in 1 year to the next. The decrease of export demand from developed countries causing third world countries also fell in the crisis, low growth and high levels of unemployment caused world oil prices had fallen so sharply ranges below $ 60 USD in 1 month recently.

The trimming of interest rates was to stimulate the real sector, but if we see this far, the multiplier not indicate the results of positive results. Obama also promised to increase employment in 2009.
Playing with the monetary extent this formula must be supported by a fiscal formula that can be expected to stimulate the world economy in the long term. Some fiscal policies that can be taken are:

1. Tax incentives
Tax incentives are differed as tax incentives for consumers and producers. We should take it care, which sectors should be received more incentives. High level of unemployment leads to lower demand from the household therefore, there was over supply. So costumers should get tax incentives in bigger portion.

2. Subsidy
Tax incentives are also part of the overall subsidy. Subsidies to the consumer sector are expected to increase demand from households. Sector producers should also receive subsidies, with the producers dare to do such activities because of a decline in total production costs.

3. Easier terms of credit conditions to the private sector.
The destruction of the banking sector in America that foreshadows a hardening of credit to the sector and producers must be done to avoid the occurrence of bad debts. However, if this is done formally, I believe, we are troubled exit from the circle of this global crisis. With the ease credit terms requirements, the production sector will be skittish and employment will be created. Supply creates its own demand will occur

Best Eyes Glasses for vacationers

2008-12-16T03:12:00.001+07:00

Any holiday seasons, vacationers have found their new target-beautiful places to visit. I have targeted many places but not realize till now, it is ok! The time will come for me. Preparing essential equipment (what to bring) in present vacation is an obligation, t-shirt, money, map, guide book, pat, and more.

Do not forget to bring your eyes glasses. All vacationers did it and my experience showed that. When I was in Bali, I met most vacationers and they have their unique eyes glasses. I don’t know detail about the lens and optical but I knew one thing. All frames mode and quality are best for their face. Wearing an eyes glass can increase your performance; confidence with the main function is to protect our eyes from dust, sunshine and any small animal. Here is the great eyes glasses store, Holiday Glass Frames From Zenni Optical.

If you haven’t good eyes glasses, frame and glasses accessories, you should check this site; The popular online eyeglasses shop, any lens, optical, and frames are available in here for your vacation. Through this site, you will have our own great eyes glasses for your vacation. The great part form the site is you can make your preference eyes glasses and frames. It is better than we go to optical store, and taking long time to choose your best frames and optical.

All items are cheaper one, and your customization is also cheaper. You can compare with others store to check the proven. I’ve checked and browsed many times there and I know much. Here are some samples of cheaper price; $ 8 Complete Rx Eyeglasses. Yup! Starting from $8 you have our own vacation eyes glasses with good frames. Browse their catalog to get your prefer frames-meet your face, your eyes.

Credit Card Information Center

2008-12-10T00:00:00.001+07:00

Mr. Obama said that in New Year 2009 he tried to create many job vocations to reduce 8 percent of unemployment and to wealth Americans. We really appreciate and hope the statement working in real when he moves to white house. For them who suffered by crisis, this is very terrific news. Perhaps our condition will replace with newer.

What does it means? Investor and businessmen are near as positive signal and they will build new business or expand and the effect is creating more jobs. Banking (Lenders) look this phenomena to promote their credit, loans and credit card to people with simply conditions, although they know in present you have some problem but in future, you are wealth. Don’t worry metropolis, economists predicted in New Year, unemployment will reduce, better life as better financial condition, lower interest rate and lower inflation.

Having a credit card is best change to acclaim better economic condition, you can use as Mr. Helper while you are in crisis. Credit card is also a main condition to get loans from banks if you decide to open new business, credit a home or credit a car. In BadCreditOffer.com you will see large catalogue where to find bad credit credit cards. All lenders have been selected as Bad Credit for you. BadCreditOffer.com puts in some conditional and criterion such as APR on months, APR on purchase, collateral, interest rate, and annual fee. Lenders have been selected and ranked as Bad Credit so you can compare each to meet your personal condition.

Most people said, having a credit card to increase our consumption but I don’t think so. In my opinion, with credit card, you get Mr. Helper if you need cash in hurry of for better plan.

Indonesian Reserve Bank recalls Pieces of Banknotes

2008-12-02T18:31:00.001+07:00

S Budi Rochadi, Deputy of Money Supply Indonesian Reserve Bank (Bank Indonesia) said in conference that Indonesian Reserve Bank (Bank Indonesia) announces that since December 31 2008, four kinds of banknote (greenback). Below are four kinds of Indonesian Banknote money that will not be legal payment in Indonesia, for transaction or any legal transaction others.

Rp.10.000 edition 1998 with Indonesian heroine Cut Nyak Dhien as the front cover.
Rp.20.000 edition 1998 with Ki Hajar Dewantara as the front cover.
Rp.50.000 edition 1999 with Indonesia Raya Composer W.R.Soepratman as the cover and
Rp.100.000 edition 1999 with Soekarno and Mohammad Hata as the cover of the banknote Rp.100.000.

The deputy then said that we (Bank Indonesia-Indonesian Reserve Bank) will attempt to pull of the banknote from money supply, and really appreciate for people in order to replace their old money with the legal one in any Indonesian Reserve Bank’s Partners or in any Banks in Indonesia. The deadline for people to exchange the money are 5 (five) years for Banks till December 30 2013 and for Bank Indonesia is December 30 2018 or 10 (Ten) years. Indonesian Reserve Bank does it periodically to prevent bad coin and to improve the money security features. Both Electronic and Non-Electronic News reported that in Indonesia there are many cases of uncovered money.

Thanksgiving to come again, we get new spirit

2008-11-21T19:08:00.002+07:00

Christmas comes again next months and we try to make new plan to celebrate our Thanksgiving. We try to make new concept in order to get more and better Thanksgiving than before. Many people to understand Thanksgiving and Christmas as new clothes, new life, new spirit and anything new.

In out place, kids always get new clothes if Thanksgiving comes. Moms will prepare special cook, cake and has prepared anything necessary in Thanksgiving. We have good tradition and I think you also have our good tradition, family tradition. In Thanksgiving, after celebrating in church, we go to our grandpa and grandma home without exception. Each kid brings their special cook and cook. Usually, we have divided our task and duty. After we talk for a while, we lunch together.

We have special lunch after Easter, because moms (our grandpa and grandma kids) prepare and design new home, both exterior and interior. Start from front, quest room, any bedroom to kitchen is renewed design. Not only have us, all home in our place had the same tradition. Table cloths are new because many people (our families) will come and celebrate simply Christmas together with grandpa and grandma.
Dining table is pimped as new because we have special cook to eat. Dining table has its new napery and moms don’t forget to pimp dining table with Thanksgiving centerpiece. All tables get new Thanksgiving centerpiece. Only for Christmas we can see Thanksgiving centerpiece because the day after, we can’t see anymore. Many times, we imagined if every day is Thanksgiving; we get new clothes, new and special cooking, new design and layout for home. Many hopes Thanksgiving and Christmas this time, we can stick together to celebrate our Thanksgiving and Christmas together with our big families.

Japanese Economic runs negative growth as Global Crisis

2008-11-19T03:51:00.002+07:00

Japan is reported to enter recession in third quarter as industries and companies have already been cut their investment plan caused by global financial crisis. Japan in this present runs behind America as biggest economy. Japan is also known helper (aider) countries for third countries (developing countries). Japanese Economic is being contracted 0.1 percent in months after decline 0.9 percent in second quarter.
The indication is shown in their Gross Domestic Product (GDP). Official staff said that Japanese GDP declined 0.4 percent based on their estimation after American crisis attack worldwide countries. As the biggest economic in Asia, Japanese GDP is reported lower than Analysts estimation; where estimators and analysts argued that Japanese economic grow 0.1 percent for each quarter.

Together with Germany and Italia, Japan is member of G-8; Japanese government formally has reported that they are in recession with negative growth. Beside Japan, outspoken also said that European counties also run in recession as each government staff said in conference time.

Not only this time Japan runs in recession, in 1990 Japan is also attacked recession (big bubble) and necessary action has been taken and Japan has succeed in recovery process, supported with good export prospect and business investment, while recovery in being processed, Global Financial Crisis made their recovery gone bad. Many industries decided to cut their expansion and long run investment such as open new fabric or invest in capital. Profit also declined on industries after demand for Japanese products is lower. United state is Japanese Export Target and crisis in America has made demand declined significantly. Lower on Japanese products also happened in Europeans countries, Asia and in all world.

Analysts predict that Japan economic will be recovered in near and predict 0.1 percent grow in 2009.

Tips to Saving For Retirement

2008-11-09T02:12:00.000+07:00

If you are over 40 just like many other Americans and you feel like you do not have a retirement nest egg that is substantial enough, don't worry. It will never be too late when it comes to saving a little money.

Estimate the amount of money you will be able to live comfortably on throughout retirement. You should also be sure you have a good credit rating. There is no way to block out advice to calculate this amount. This calculation is just a rough figure. After you have the figure, you will need to make a list of your outside funds and investments excluding savings. This would include any type of pension or Social Security or even a retirement plan. Use an unprogressive rate to escape a disappointment.

Setting reasonable expectations can help you achieve them. You need a plan to reach the amount you have determined if there is a conflict in the total after adding up your different sources that will be coming to you when you retire. If you work for a company that has a 401k or 403b or any other type of voluntary contribution program for retirement it would be a wise investment to take advantage of it. A really good deal is if your place of employment matches your contribution because that all becomes free money and you should never turn your back on free money.

You should never be too conservative. Even as you hit your late forties to fifties you still have several decades before you're going to have to take advantage of retirement earnings. So start now and let them grow. You could also consider relocating or downsizing your home. You shouldn't need a huge 3000 square foot home if it is only you and your spouse. There are many places to go to ask questions when it comes to retirement and making a solid investment.

For more Information on this topic visit http://www.buildwish.com - a free Online Home Improvement Directory in 100 Cities in North America. Featuring over 2 million Real Estate classifieds, helpful articles, contests, home improvement videos, virtual home tools, Qualified Trades people, ask an expert, a moving center, get free quotes for Insurance, Moving, Mortgages, Contractors, Find Foreclosures and a finance blog that will save you money on bank rates & credit card rates.

Article Source: http://EzineArticles.com/?expert=Morgan_Kennedy

Personal Success Tip - The Rite of Your Right to Write

2008-10-23T03:56:00.002+07:00

Just Doing the Write Thing!

Okay, now that I have thoroughly done my little play on words, let's take a look at the power and magic that comes out of writing.

Whether you are writing goals, to-do lists, or your life vision; healing letters to yourself or others; journaling; or just some creative expression, you make your world bigger and much clearer by using your "sword and shield": your pen and your writing tablet.

When you write a list of goals or things to do, you create a higher likelihood of accomplishing those deeds. The act of writing, and then actually seeing what you have written, creates a much different experience in your brain versus just simply thinking about it.

When doing your vision work, your creativity allows you to experience the BIG picture of Life as you dive into the land of possibility. By capturing your life vision in writing, you can now go back and thoroughly re-experience it and keep it close to your Heart and Soul...you begin to live your vision because you see it every time you read it (which is a good idea to do daily).

Got unfinished emotional business with someone? Write them a letter, and put all your emotions connected to the issue into the letter. Do not sensor anything. Forgive and ask for forgiveness if that is what is needed as well. Write until you feel done.

Then create a ceremony in which you burn the letter...releasing everything from the past and giving it over to the Universe. Repeat this process as often as needed. Write the same to yourself if you feel the need as well.

Journaling can be a great tool for you to stay connected to you. There is no right or wrong way to journal, and it can be an effective method of checking in with yourself in regards to your goals. It is also a wonderful way to just simply express yourself and your feelings.

Sometimes the simple act of writing your thoughts and feelings down on paper helps you to see exactly what is going on, where you need to go, and what you need to do. We are all poets and writers, but it is easy to be overly critical of ourselves and therefore prevent ourselves from ever picking up the mighty sword (The pen, remember??).

So go ahead, write that poem, those lyrics, that article, short story, or novel...it matters not what others think (or what you think others think), but rather, how it makes you feel. Write until you feel good, then write some more.

Writing...it's your right, and in that, you create a rite into a bigger, clearer, and more expressed self...just do the write thing for yourself...you will be glad you did. I am, and I am feeling much better now!...Thanks.

Ken Donaldson has been offering counseling, coaching, and educational programs since 1987. His programs are focused on empowering people to have more successful lives, businesses and relationships. Claim your FREE Relationship Success Special Report at Marry YourSelf First! First!. Ken is the author of Marry YourSelf First! Saying "I DO" to a Life of Passion, Power and Purpose.

Article Source: http://www.articlerich.com

Special woman information

2008-10-09T06:51:00.002+07:00

I have my own idea when I decide to bough some domain for my leisure in online internet. One of my new domains is whatwomanlove.com. My thought is woman topic is everything-related or not related with woman herself. Woman spent hours for their daily gossip, and they talk anything and anything but belonged one world, WOMAN DESIRE.

So, to find ideas about woman desire is easier that business, credit crunch or other topic. Talking about woman doesn’t need any formal background and it just needs understanding and knows well who your partner is. If you can fulfill that your woman wants, trust me, big smile and kiss comes many times.
What Woman Desire topic in future?

I have contacted my friends (woman), to help me and be my partner to grow up this woman desire web. I have no art word to talk and say about woman maybe they are best because they are woman, so they know everything and they can elaborate their idea easier. I also know about woman but with my experiences live communication, friendship, and associate to them. So it takes time and need twice process to create a nice writing for woman information about knowing their self, tips in solution in home, dating and romance, or solution and tips in labor world.

Some friends replay good response and decide to write but some declined because they have their own busy and have no time to writing. One friend has no internet connection and the worst is she can’t write in English (although she best in conversation).

Wait for woman desire launching, OK!

Home Lighting Collection at Farreys

2008-09-21T12:59:00.004+07:00

I have posted many articles about how to pimp our home with any design and furniture. The next step and the last and important step are choosing the best light fixtures to complete the last home design and decoration for our home sweet home. General light fixture isn’t equivalent and suit with our design and furniture, general model and style of light fixture isn’t also best if you have modern, classic home with unique interior design, furniture and any equipment inside. For example; painting isn’t best in the night if we put while light with no light fixture style and model.

Find your best lighting fixtures that meet your home design and interior design!

In FARREYS.COM; an online store specialized on Lamp and Fixtures. Any lamps and lightings fixtures are available in here. Any design lighting fixtures and lighting for office lighting fixture, home lighting, and park lighting are listed in their catalogue, complete with many design, brand, and model with any price. There is no reason to go anywhere if you are looking for lighting and lighting fixtures.

I was confused to choose with which lighting fixtures the best for your home, indoor lighting fixtures because all model and design and any brands have high quality based on design, price category and lighting fixture material, finishing method, and lighting fixture type. For sample that I can list in here are kitchen light fixtures and bathroom light fixtures. If you have bore with your old light fixtures in those room I told about, if you have renewed your home design with its furniture and decide to replace old lighting fixture design, of for any new home, luxury and contemporary home, FARREYS.COM is the best to buy lighting fixtures for those room.
Because of utility function, we need brightness and contrast lighting fixture for bathroom and kitchen. Choose the brightness lamp, with saving energy of course! The combination makes us can see more detail. We can see our cooks, we can see anything, we can our grime and any slope around our body while we take shower.

How it works! To shop is easy way; register and verified account any add your payment method. Free and Paid Shipping are available for special case.

WORK FROM HOME MOM

2008-09-16T23:29:00.002+07:00

Last week, friends came to Bali to vacation here in Bali. The earlier plan is visit my place Flores to see the whale hunting in Lamalera. Bali is their destination point. Some days in Bali they took to visit any amazing place in Bali, especially visit the beautiful and taste the salt in Kuta Beach. Nice Play Nicholas. But present place is visit Lombok Island and now there are there in Lombok. They would like to climb the Rinjani Mountain.

When they were here, we talked about many topics especially about Today Helium Topic the relevancy of God in Present world and How to make money online. Nice Topic! The first topic about the relevancy of Today God hadn’t no conclusion because we had different opinion. But the second topic about How to make money online is the important topic because the topic will give money in realize; but the first topic doesn’t give money in realize; only a confused topic and has no truth answer.
Nicholas was very interesting about the Online Money topic. I said and explain about the blogger community and the tools to make money online. He said that blogger isn’t popular in Belgium because of logical reason, Labor work hour. In Belgium, there is a gap between unskilled labor with salary in the first one and the good reason why blogger isn’t popular there are little advertisers or online company that available in Belgium.

I went deeper about European Blogger that Most Moms in European called them as WORK FROM HOME MOM. Then he said to money, it is impossible for Germany and England MOMS to do that but the fact isn’t work in Belgium. Why? He put the correct answer that in Belgium, MOMS didn’t worry about their kids because of Belgium has secure places for children. While MOMS aren’t worry about their kids, MOMS will work longer (higher hours work), so MOMS have no time to enter online internet to make money.

I just want to say that MOMS activities in online internet are dependent on their time to take care their kids in home. If Belgium is save place for children; why not moms take more hours to work? Different opinion is if their husbands don’t have enough income for their family, I sure, the decision for MOMS to go labor force is realistic into ways; work in real world job or make money online from home. The main factor to pick which one the best is their kids.

So if you are MOMS who are reading my post and have no explanation about how to get money from home; you must try it while you are in home and taking care your kids.

Christian Community for Online Brotherhood

2008-09-16T21:42:00.005+07:00

Before I start to post an article about a Christian community; I would like to share my opinion about my village tradition when somebody or a family member who would like to go across the sea (or aboard). Main advice is try to find a church in your new place and if you loss, please contact nearest church or Christian Community there. That is very beautiful advice. Religion is the first topic, relationship to make us like brothers and sisters as sons of God.

There is a beautiful topic to make us keep together. We call it as Faith. One faith means one brother and one sister. If you are Christians and would like to find online Christian Community, here is the best place for us to share our faith, share our spiritual, and share our opinion about bible in the present world or making new friendship around the world.

Share your Inspiring Life!

Join the community is free and easy! After you created your own profile, you will connect to other friends in worldwide. Share your testimonial about your inspiring life with inspiring story in your life about God and Your faith to Jesus. You are also allowed to post about your opinion about God Said in holy bible.

There are four features are offered from Christian community; Share Inspiring Story about Faith and God Hand that work on you, otherwise you can learn and read about other inspiring story from your friend about their faith to Jesus. Networking feature is the second one to allow us building friendship with others through sending email, add contact (friend) chat and other networking tools. Christian Community blog will inform you about anything about an event, or message from admin or an opinion that we can comment or change our mind. The last feature is through this community we try to keep a deep brotherhood help people in problem through words and to tell the world about Jesus, good news and Gospel to the world.