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Tuesday, March 24 2015

Actions to Do After Obtaining an HSBC Credit Card

hsbc_credit_card3.jpgAre you interested in promotion from HSBC charge card? Have you known apa saja persyaratan aplikasi kartu kredit HSBC? Actually, these products provided include a number of appealing functions for example low-awareness payments, savings, plus much more. Well, should you currently have a charge card, what ought to be completed by credit card customers? Listed here are three techniques to do:

Utilize credit cards well

Yes, every person should make use of a charge card properly since or even, the charge card is likely to be disastrous because of its customers. How do you make use of a charge card properly? The very first one you've to prepare the planned utilization of the charge card. The great, the charge card employed for buying in huge amounts or when caught alone, not for buying garments, sneakers, etc. if you're able to make use of a charge card properly, you'll not show up quick.

Settle the debt promptly

Really, spending expenses promptly is one-part of utilizing charge cards properly. Each person of the charge card is required to pay for the expenses promptly isn't since this can be a binding supply, but additionally to prevent charges or penalties. Consequently, be sure you remember when to pay for expenses like a daily program could make sure when inadvertently. Generate reminders when required in order to not overlook.

Keep updated about the latest offer

Lastly, you might also need to check out the most recent improvements promotion of charge card items since banks often usually provide appealing presents to maintain its dedicated client satisfaction. You realize that there are certainly a large amount of fascinating functions that charge cards could be helpful, for instance, savings for buying at selected shops, guide rooms in hotels, consuming in restaurants, yet others.

Wednesday, March 18 2015

Before Purchasing Hari Raya Hamper Online, Request the Vendor These!

Hari_Raya_Hamper_online3.jpg Are you currently buying spot to purchase Hari Raya hamper? It’s more straightforward to visit with this site that provides lots of present and hamper choices.

For all those of you who're likely to existing effects for the relatives, you shouldn’t be reckless! Just before Hari Raya, there are sexy vendors that attempt to fool potential prospects or lots of criminals. Consequently, you have to be cautious. Select a trusted retailer as previously mentioned within the first section.

Keep in mind, before buying these products, you're recommended to request some concerns within the following:

Are the items good?

Certainly, you have to understand first not or whether effects you're likely to purchase continue to be in good shape. You definitely don’t wish to fail your households or acquaintances giving presents which are poor within the unique time or terminated.

Is worldwide shipping provided for you?

Possibly, you've buddies or relatives that reside faraway. Do individuals who may obtain your gifts remain abroad? You clearly require a shop that serves global shipping company when they do. By obtaining this support, of steps to make folks you like who're absent pleased and pleased you don’t need to get puzzled. You may also reveal pleasure together?

May I get affordable cost?

Since you need to invest lots of cash, purchasing Hari Raya hamper can be hugely complicated. You most likely have to discount or get savings in the vendor, should you be prepared to get cost. Buy at FlowerAdvisor if you want the one with cheap price.


Tuesday, March 10 2015

My Wife Consumes OvaBoost, Do You?

If you are married 2-3 years and you have not been blessed with offspring, what do you feel? Of course, you will be sad and quite annoyed with this. This feeling that I felt last year when my beloved wife not knows if the woman is fertile. Even so, I continued to pray and always keep kesetianku him. I kept thinking positively as possible Almighty God is testing my patience. Various traditional ways we've ever done, but to no avail. Finally I tell my troubles to a close friend. He advised me to buy a fertilizer supplement woman, her name OvaBoost in WishingBaby.com. Visit our website to get more information.


I immediately visited the Baby Wishing to find out information about the woman's fertility supplements in detail. OvaBoost sold at Rp 470,000 per bottle with the contents of 30 capsules. The price is quite affordable for me. I also bought two bottles for my wife immediately. Rules of use of the supplement itself are 4 capsules a day: twice after breakfast and two after lunch or dinner.

OvaBoost contains substances needed by women to trigger the pregnancy, such as myo-inositol, folic acid, and melatonin which serves to increase the egg. In addition, there is also Coenzyme (CoQ10), which can help the egg to produce the energy needed. Another best part of this female fertility supplements are supplements do not contain yeast, milk, soy, coloring, wheat, and artificial preservatives. Experts highly recommend this supplement for women over 30 years.

Since taking OvaBoost, my wife can finally pregnant. Of course this is also thanks to God Almighty. Our efforts finally paid off.

Saturday, March 7 2015

Oops! Do Not Do These If You Want to Go to Lombok

"I am really happy" is often pronounced answer by travelers after their vacation is over. Of course, happiness during the holidays is not obtained simply because you have to plan your vacation as well as possible. Talking about holiday, sometimes this moment is unpleasant. Is it true? Yup, this is true. Anyway, if you want to go on liburan ke Senggigi Lombok in the short time, make sure that you don’t do these:


Avoid preparing extra budgets

There are many unexpected things that can happen during holiday, such as: lost luggage, illness, car accident, and so forth. This will certainly make you lose, right? If you do not prepare extra money, you will run into financial problems during holiday. Because of this, preparing extra budgets, especially if you like shopping and plan to visit not only Senggigi Beach, but also Gili Trawangan, Gili Air, Nirmada Park, Mount of Rinjani, Segara Anak Lake, Pink Beach, Sire Beach, and so on.

Make hotel reservation online at wrong site

Making hotel reservation is easier and simpler. Unfortunately, there are many travelers booking accommodation with poor information so they do this at wrong website. As a result, they lose much money. To avoid this, you should visit official hotel sites or well-known and reliable third-parties. Last but not least, don’t be shy to ask people or police if you don’t know the route to visit Senggigi Beach or other tourism spots that you want. If you don’t do this, you will just get lost and harm yourself at last.

Wednesday, February 25 2015

Hijaunya Indonesiaku

Di mana lagi kita bisa menemukan banyaknya hutan dan sawah kalau bukan di Indonesia?

Kalau di Jawa, sepanjang jalan mata kita disuguhi indahnya sawah-sawah, khususnya ketika musim hujan tiba

Kalau di Sumatera, sepanjang jalan banyak kebun-kebun karet dan kebun-kebun sawit

Gimana nggak hijau Nusantara kita tercinta ini?

Saturday, February 14 2015

Requirements for Mandiri Credit Card Application

mandiri_credit_card2.jpgShopping with credit card by Mandiri, why not? Many people who do not want to have a credit card because it considers that a dangerous credit card and carrier financial problems. Well, it happened because users are not able to manage your finances well and do not use it wisely. The key is you are not extravagant and spending carelessly though has a credit card. In addition, make sure to always pay bills on time.

Well, there are again looking for a credit card? If you wonder apa saja persyaratan aplikasi kartu kredit Mandiri, read the general requirements of the credit card application below:


Listed below are the general requirements that must be met by submitting credit card applications:

  • Age. The age range of the main holder of the credit card that is 21-65 years. Whereas, for the additional card holders aged 17 years.
  • Income. Applicants must have a credit card with a certain minimum amount of income to be able to hold credit cards. For Mandiri, minimum income is 3 million. Meanwhile, other banks ranging from 5 million.


The following documents must be submitted by the applicants credit card:

  • Copy of identity card (KTP / SIM / Passport)
  • Evidence of paycheck
  • Permit profession
  • etc.

You should know is that the information above is just a credit card application requirements in general. In addition, it’s important to find out more about the products that you choose a credit card because there may be differences or additional.

Wednesday, February 11 2015

2 Sources of Business Capital

You must be intelligent life today that the majority of human labor has been replaced by technology. Doing business one of the steps that you can take to stay afloat. Business clothes children or adults can remember the moment you consider not only clothes but also as a privacy cover fashion. Get clothes from GrosirBersama supply (find out more about grosirbersama here)! More diverse and cheap of course.


The lack of jobs is becoming one of the causes of the rapid technological developments. How come? Technology can replace the role of human labor so that not a few companies choose to use advanced technology that is more effective and efficient.

Does this mean the graduates in this age many are unemployed? Do Not. With notes, graduates must dare to run your own business. Unfortunately, the courage they have often not accompanied by the ability of capital. Given this, the admin interested in writing 2 business capital sources that can be used to run a business.

Financial institutions

Not difficult to find a financial institution established either by the government or the private sector today. Utilizing the services of a loan from a financial institution bank and non-bank business capital becomes one of the actions that can be performed. Unfortunately, to get a loan from a financial institution is not easy. The following conditions must be fulfilled: the identity card (ID card, passport, driver's license, or other), guarantees promising (property, vehicles, etc.), paychecks, not included in the black list, etc.


As a beginner business, borrowed funds in financial institutions are certainly quite difficult. Therefore, another path to try to get business capital is joined by brothers, relatives, or friends. In this case, you and your siblings, relatives, or friends can share capital or those who have capital and you as peoplewhorun of the business. For the pros and cons can be divided evenly.

Tuesday, February 10 2015

Perjalanan Wisataku di Lombok

My_Trip_in_Lombok4.jpgBelakangan ini, pekerjaan kantor makin banyak saja. Ini dikarenakan pengaruh perampingan karyawan. Jadi, aku sebagai karyawan yang bertahan mendapatkan imbas dari semua ini dengan mengerjakan pekerjaan teman-teman yang pensiun dini. Hal inilah yang membuatku mengambil cuti selama beberapa hari untuk melakukan liburan. Bisa gawat kan kalau stres dibiarkan?

Lombok menjadi destinasi wisata yang aku pilih untuk menghilangkan stres. Jatuhnya pilihanku ke Lombok tidak lain karena banyak artikel yang menggambarkan begitu indah dan naturalnya tempat wisata di Lombok. Pendapat teman-temanku juga demikian tentang Lombok. I’m coming Lombok….

Perjalananku di Lombok dimulai dengan mengunjungi desa adat di Lombok. Desa Banyumulek menjadi desa pertama yang aku kunjungi. Desa ini dikenal sebagai desa pengrajin gerabah. Sebagian besar penduduknya membuat asbak, guci, kendi, tempat lampu, tungku, dan lainnya dari tanah liat sebagai mata pencariannya.

Setelah cukup puas, aku lanjut ke Desa Sukarara. Saat pertama kali menginjakkan kaki di desa ini, aku sudah ditawarkan pemandangan wanita remaja, dewasa, dan tua sedang menenun di depan rumahnya. Jadi, tertarik belajar menenun deh. Kain tenun khas Lombok ini cantik-cantik loh. Aku pun membelinya untuk oleh-oleh.

Berkeliling di dua desa adat Lombok ternyata capek juga. Tidak hanya itu, perut juga sudah mulai keroncongan. Akhirnya, aku putuskan untuk berwisata kuliner khas Lombok. Setelah perut diisi dengan nasi putih, plecing kangkung, ayam taliwang, dan tuak manis khas Lombok, aku melanjutkan perjalanan ke Pantai Kuta Lombok.

Airnya yang jernih dan tenang membuatku tertarik untuk berenang di pantai ini. Bisa dibilang pantai yang memiliki pasir berwarna putih dan dikelilingi bukit ini cukup bersih bila dibandingkan Pantai Kuta di Bali loh. Kalo kamu enggak percaya, coba deh datang langsung ke sini. Eits, satu lagi aku juga beli oleh-oleh loh di pantai ini. Banyak ibu-ibu yang membawa ikatan kain berisikan kain tenun, kaos, dan souvenir lainnya. Harganya pun enggak mahal-mahal banget.

Eh, mataharinya udah mau “tidur”. Saatnya balik ke penginapan!


Tuesday, February 3 2015

Must Do at Office in Lunar Year

Becoming a boss at an office is not easy because I have to compete with many competitors, retain customers and maintain relationship with business partners. Besides, I have to make your staffs and employees happy to work together with me and solve fund abuse at my office. Unfortunately, there are many workers who don’t like their boss because their boss is too busy so they don’t get attention and satisfaction when working at office.


My workers might hate me because sometimes I have to go on business trip and ask them to work optimally. However, I always do my best to make them happy. In February 19th 2015, Chinese people will celebrate Chinese New Year. Because some of my workers are Chinese people, I will do at office in Lunar Year:

Throw a small party

To respect and make them happy, I will throw a small party. I will prepare some cakes, red envelope, and decorate workroom with oriental style by installing lampions and hanging Chinese zodiac pictures. Besides, I will buy some hampers at Flower Advisor for them.


Allow them to pray

At my office, I provide a special room for my workers to pray to God. If they want to pray, I highly allow them to do it. No matter how long they do it is, I never mind because Lunar Year is a special moment for them.

Allow them to go home earlier

They definitely want to go home earlier because they want to meet their family members. I will allow them to go home earlier and give some cakes for their families.

I hope my plans will run smoothly and my workers will be happy.

Friday, January 23 2015

Want to Make Your Valentine Gift Giving More Meaningful?


Giving or exchanging special Valentine gifts has become a tradition for those who celebrate. At this particular moment, the present special gift for loved ones. Recipients not only the couple, but also their parents, siblings, friends, co-workers, or others.

By the way, because it has become a tradition, some people receive gifts from others on Valentine's Day with mediocre. They feel nothing special of gifts because only as a symbol of love and intimacy only. For that, it takes more effort if you want to make a more memorable Valentine gift for the recipient. Follow the trick below:

Create homemade gifts

Usually people give chocolate, flowers, or dolls that are easily available from nearby shops. Well, it's time to show creativity. Homemade gifts (handmade) can make the receiver more impressed. The he certainly would appreciate your toil make the gifts themselves. You can own flower arranging or making a scrapbook.

Compose beautiful words

To make Valentine gifts become more meaningful, use the same stringing your creativity with beautiful words. Valentine greetings include the gift by making a short poem or series of sweet words will make the recipient happy. Write on a piece of colored paper or decorative paper. Be sure it is nice and easy to read your writing yes.

Give with a surprise

Gifts can indeed be given easily. You enough to bring her home or meet directly. However, the way it does not leave any impression. Instead, give through a shock. For example, you stand in front of the door of his room with bringing gifts and flowers. The alternative is after he got home from a long day. Surprise her with a small party at his house.

Sunday, January 18 2015

Pilot Strategy: Minimizing the Risk of Plane Crash

Pilot_Strategy.jpgNot a few people who are interested in becoming a pilot. Pilot salaries are quite promising (quoted from http://www.sekolah-pilot.com/2014/12/berapa-sih-gaji-pilot-di-indonesia/ ranging from 15 to 47 million per month depending on the airline of employment, total flight hours, years of service, and position held).

Even so, the pilot is the same as other jobs at risk. In fact, the risk is much greater. While piloting a plane crash into one of the risks that must be addressed in addition to far do not have a lot of time with family, health threats, and a flexible work schedule. However, these risks can be minimized. How do I?

Avoid consuming alcohol before the flight. Alcohol would only make the loss of common sense or mind so hovering. If it happens in the pilot, it's not impossible to be unfocused and aircraft likely to crash. Not surprisingly, before the flight, the pilot had health checks.

Check the condition of the aircraft. Things must be done by a mechanical part and the airline is to check the condition of the aircraft before flight ranging from aircraft engines to the aircraft wheel. It aims to ensure the best circumstances in prime condition to make the flight. In addition to mechanical, a pilot shall check the mechanical condition of the aircraft after.

Follow the flight procedures. Pilots also must still follow the procedures specified in the flight. As always perform communication or report to the air carrier, ranging from departure, the position has been located in the area where, and to do the landing. This is useful if there is something on the aircraft, the operator can provide instructions to resolve it.


Saturday, January 17 2015

Let’s Hunt Pearl in Lombok!

lombok_pearl.jpgLombok Island is a tourist destination which is amazing. There is no regret when we went on vacation to Lombok some time ago. It interesting and will not be forgotten for the time being there is a pearl hunting in Lombok.

As you probably all know, pearls are the most typical souvenirs of Lombok. Indeed in Lombok we all can buy the pearls directly. However, what makes it interesting is if we do while visiting the place where the pearls are cultivated.

At that time, we visited Gili Trawangan and others such as: Gili Air, Gili Meno, Gili Sunut, Gili Kedis, and others. In some areas on this Gili we hunt pearls and bring home the various types of fine pearls. Furthermore, we didn’t miss to visit Senggigi Beach in Lombok for sure because it is one of the most exotic beaches in the area. Exactly, there were also some nearby places to purchase Lombok pearl there.

On the other hand, you can also find the pearls of traditional villages where many are selling handicrafts Lombok, such as the Village Sekarbela. No surprised, not only local tourists, but also tourists from abroad was very fond of hunting pearl as a souvenir to be brought into the country of origin. Sekarbela is a great source to discover the many variants of pearl, such as necklace, earrings, bracelet, etc.

Bear in mind! You need to find Lombok pearl carefully when shopping. There are so many products you find. However, not all of them have good quality. Buying at the right place (like Sekarbela village) and also seeing closely to the products first are two crucial steps before shopping pearl.

Friday, January 16 2015

Bahagiakan Anak dengan Cara yang Sederhana

Menuruti semua keinginan anak bukan cara yang tepat untuk membahagiakan mereka. Ini nantinya akan membuat anak manja dan tidak mendiri. Simak bagaimana cara membahagiakan anak dengan tepat namun sederhana di bawah.


Sebagai orang tua sudah sepatutnya Anda memberikan kebahagiaan untuk anak Anda. Memberikan kebahagiaan bukan berarti harus memberikan barang-barang mewah, mengajak liburan ke luar negeri, atau sesuatu yang glamour lainnya namun cukup dengan cara sederhana berikut bukan tidak mungkin anak Anda akan jauh lebih bahagia.

Janjikan pendidikan yang layak. Janjikan pendidikan yang layak sama seperti teman-temannya. Mengingat biaya pendidikan tiap tahunnya semakin meningkat, ada baiknya untuk melakukan perencanaan keuangan agar dapat memenuhi janji Anda kepada anak Anda. Trading forex jadi salah satu perencanaan keuangan yang bisa dipilih. Jika berhasil, return tinggi besar kemungkinan bisa Anda raih. Tertarik? Kuasai dahulu semua tentang forex agar memudahkan Anda selama trading. Buka situs bisnisberjangka untuk hal ini.


Luangkan waktu untuknya. Meskipun Anda orang tua yang sangat sibuk bekerja demi mencukupi kebutuhan kebutuhan keluarga, bukan berarti melupakan tugas Anda untuk memberikan kebahagiaan secara batiniah kepadanya. Percuma jika lahiriah ia bahagia tetapi secara batiniah ia tidak merasakan kebahagiaan, bukan? Lantas? Luangkan waktu untuknya. Seperti halnya mengajaknya memasak makanan kesukaan bersama, mengajaknya liburan ke tempat-tempat seru, dan lain sebagainya.

Berikan kesempatan mereka memilih. Sebagai orang tua yang baik akan sangat disarankan untuk tidak memaksakan kehendak kepada anak. Pemaksaan kehendak akan membuat anak terkekang pada akhirnya bukan membuat anak menjadi patuh tetapi justru malah memberontak. Berikan kesempatan mereka memilih. Hal ini tentu akan memberikan pengalaman baik atau buruk kepada anak Anda terhadap pilihan yang telah mereka ambil.

Thursday, January 1 2015

Kuliah di Griffith University dengan INTI Pathway Program

Universitas_Griffith_Australia.jpgDidirikan sejak 43 tahun yang lalu tepatnya pada tahun 1971, universitas ini menjadi salah satu universitas riset terkemuka di Australia. Universitas yang bermarkas di Queensland ini memiliki 5 kampus di antaranya Gold Coast campus, Logan campus, Mt Gravatt campus, Nathan campus, dan South Bank campus. Sudah lebih dari 43.000 mahasiswa yang ada di universitas yang memiliki fasilitas lengkap ini. Berikut fasilitasnya: bookshops, clubs, medical, shops, sport, uni bar, dan lain sebagainya.

Tertarik mendapatkan pendidikan di kampus ternama ini? Saya sarankan untuk menggunakan pathway program dari INTI College. Mengapa? Karena dengan program ini, Anda bisa mendapatkan pendidikan di universitas ini dengan hemat biaya. Benarkah? Bagaimana bisa? Yuk, coba lihat penjelasan singkatnya di bawah!

Kalau Anda langsung kuliah ke Griffith University selama 3 tahun, berikut kurang lebih perhitungan biaya yang akan Anda keluarkan: Asumsi (biaya kuliah per tahun Rp 25,300, biaya hidup per tahun Rp 17,420, dan AUD 1 = Rp 11.000). Jika dihitung-hitung perkiraan total biaya yang akan Anda keluarkan selama 3 tahun kuliah di Griffith University sekitar 1.408 Milyar rupiah.

Bandingkan jika Anda mengambil program pathway di INTI College dengam mengambil program 1+2, yang artinya 1 tahun di INTI dan 2 tahun di Griffith University. Note: 1 tahun kuliah di INTI Rp 28.400.000 dan Asumsi: biaya kuliah per tahun: AUD 27,600, biaya hidup: AUD 25,000, dan AUD 1 = IDR 11.000.

  • 1 tahun di INTI: 85.200.000
  • 2 tahun di Griffith University: 556 juta (AUD 50,600) + 383 juta (AUD 34.840)= 939 juta

Jadi, total biaya yang harus Anda keluarkan jika mengikuti program pathway adalah 1.024 MIlyar rupiah. Cukup jauh bukan perbedaannya?


Saturday, December 20 2014

Menerapkan Strategi USP ala Tung Desem Waringin

usp.jpgPak Tung Desem Waringin yang merupakan tokoh pelopor revolusi marketing. Sosok tinggi kurus tetapi penuh semangat ini mencetuskan strategi jitu untuk membantu para pengusaha memasarkan produknya. Berdasarkan pengalamannya berkecimpung di dunia bisnis selama bertahun-tahun, strategi ini pun diusungnya. Strategi itu dinamakan USP yang akan dijelaskan di bawah ini:

a. Ultimate advantages

Merupakan suatu cara memasarkan produk dengan “membeberkan” kelebihannya berupa dampak positif yang dirasakan bila menggunakan produk tersebut. Tidak hanya dari manfaatnya, tetapi juga keunggulan produk, baik dari kemasan maupun kualitas. Untuk itu, produk yang djual harus memiliki kelebihan dibanding produk serupa. Bila perlu, produk tersebut anti-mainstream yang sekarang populer dicari banyak orang.

b. Sensasional offer

Adalah melakukan sensasi saat menawarkan produk Anda. Maksudnya? Berbuatlah sesuatu yang sensasional agar pembeli berdatangan ke toko. Jika hanya datang namun tidak membeli, maka akan percuma. Untuk itu, gunakan kesempatan ini untuk menawarkan produk Anda dengan iming-imingi hadiah dan diskon atau menentukan batas maksimal pembelian pada produk.

c. Powerful promise

Seperti namanya, powerful promise ialah melontarkan janji-janji yang ampuh untuk meyakinkan pembeli akan kualitas terbaik yang dimiliki produk. Janji ini menjadi jaminan bagi pembeli bahwa penjual tidak menipu. Janji yang dimaksud kurang lebih seperti ini “Uang kembali 100% bila barang tidak memuaskan”. Untuk menjaga kepercayaan pelanggan, sebaiknya janji tersebut ditepati bila produk tidak bekerja sesuai harapan. Cukup mudah menerapkannya, bukan? Untuk Anda para pengusaha yang mengalami kebingungan dalam usaha mendatangkan konsumen lebih banyak, segera terapkan strategi USP ini.

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