Month: March 2017

Yuk, take advantage of the BPJS Employment to buy a home!

In fact, the main benefit of the BPJS staffing (BPJS-TK) is to provide social security for the participants.

Managed by State agencies, BPJS serves to provide protection on labor and anticipate socio-economic risk, through the guarantee of work Accidents (JKK), death (JKM) Guarantee, guarantee old age (AGE), and so on.

In addition to all these services, unfortunately not many people know that the BPJS Employment also have additional services. The service is intended help society aka the participants in terms of housing.

This service is in fact already existed since long, but underutilized apartemen di solo  by the BPJS-TK participants. For it, for those of you who plan to buy a home in the next year and is still constrained by the affair cost, now is the time You use the facilities of these housing grants with a maximum.

Before knowing what services proffered BPJS-TK, it’s good community understand the first five terms specified.

House prices at Rp500 Million maximum hounded (non-subsidized)
To be able to propose construction loans, MORTGAGE, cash advance loans or housing, workers must be registered to become an active participant BPJS Employment of at least one year.
Credit filing made at the Office of the branch Bank BTN by bringing the required administration requirements. The terms of the Administration is the same as the filing of MORTGAGES in General.
Home raised its credit is the home of the first participant. When the couple husband and wife are participants of the BPJS employment, then only one party can file a MORTGAGE.
The entire process of filing MORTGAGE refers to the terms and conditions imposed bank BTN and the governing authority of the banking business.
To help the housing of the BPJS-TK, there are at least four types of services offered. Cash advance Loans include housing (PUMP), Mortgages (MORTGAGES), construction loans (KK), and Renovation of Housing Loans (PRP).

1. Cash advance loan housing (PUMP)

Cash advance loans are given on a number of people who have trouble buying a house in Mortgages (MORTGAGES). The reason for not having appropriate down payment requirements for purchasing a home.

Cash advance assistance given to communities that have earnings below the Rp4 million, or under the UMP. In other words, this service is reserved for people on low incomes (MBR).

2. Mortgages (MORTGAGES)

For help with MORTGAGES, BPJS Employment divide it into 2 types; i.e. the subsidy and non-subsidy.

MORTGAGE subsidy given to the home is priced in accordance with the Government. MORTGAGE financing with a maximum cash advance loans (PUM) to 99%, and the interest in accordance with the current Government in the 5%.

While for non-subsidized MORTGAGES granted for home with a maximum price at Rp500 million. Maximum MORTGAGE financing schemes PUM up to 90% and the interest rates of the bank margin rate BI amounted to 3%.

3. Construction loans (KK)

Service construction loans awarded for overall Employment BPJS participants. Yet only devoted to the construction of the tread with the interest rates of the bank margin rate of BI.

4. Renovation of Housing Loans (PRP)

BPJS Employment will give a loan of a maximum of Rp50 Million with a tenor of 10 years for PRP service. To get this service, or 3 the previous service, there are procedures that have to be met. Starting from the process of filing, until approval of the petition.

Local Government of Bali Prioritize Development to the West and North

Basically a chance to become a prima donna for the development of business property if it has at least two advantages. The first condition is indeed quite geographically advantageous, and secondly of course network infrastructure adequate enough.

Such is the condition in the future, will make the region of Western perumahan solo baru  and Northern Bali grew into a favourite location for business development property in Bali.

Read also: international schools Attract property investors Bali

West Bali for example. As expressed by Kade Ray Setiawan, Owner of Bali Property, its still a lot so it’s still cheaper when compared with 7 other districts in Bali.

Current price range land in West Bali around Rp200 thousand up to Rp1 million/m2. While its strategic location in the future will be the best traffic line linking Java and Bali. As the main lines and the main access roads.

While the position of North Bali which is adjacent to seas eventually did make this location most appropriate to develop water-based tourism business or marine.

Current price range land in North Bali still ranges from 2.5 up to Rp1 million/m2. Besides will be developed North ring road with a route that passes through Kuta – Gilimanuk – Singaraja, this location will also be developed as the international airport in Bali.

Interestingly, the price of land in Bali can take 2 x in 1 year with the increase from 100 to 200 thousand. And the price of the most expensive land in Bali, Seminyak, Badung, namely Kuta and Legian.

As articulated by Putu Subada Kusuma, from the ERA of the KING, the Government’s policy related Areas of Bali opening permit seluasnya to the development of the hotel, then the choice of Western or North Bali could be the best alternative given around the area not many hotels standing.

While regarding the existence of a property agent that operates illegally in Bali, Bali, AREBI DPD as a party who was appointed by the Ministry of trade will try to continue to supervise the acts of their horns regularly so that it could report it to the relevant agencies.

Indeed, the only information the Subada Putu also served as Chairman of DPD Bali, it’s good not only from their home institution that conducts surveillance, but also from other agencies such as the Ministry of labour, immigration, Tourism and, given the existence of those associated with the institution.

The Benefits Of This Investment Apartments Kos

If your money has not been sufficient to build a large rented or kos, kos apartments could be an option.

Apartments kos was built by the developers of apartments near the campus and facilities which have more emphasis on the needs of the student.

Some of the apartments in the area of UI Depok and Jatinangor Sumedang many of kos apartments and you can have the units. The following are the benefits of investing in this apartment.

Strategic location

Location of apartment tends to be not far from the campus so that students can reach the beaches by simply walking or using a vehicle in a short time.

You also can directly market their apartments while holding an open house or campus accepts new student registration.

A fairly complete facilities

Yummy this apartment, you no longer have to hire employees as a security guard and hygiene. Apartment parties usually already have employees who will undertake operational activities such as maintenance, cleanliness and security.

You simply pay a monthly fee — this monthly fee you can will be loaded to the tenants of kos.

Marketing assistance

There are some developers who will not let it empty apartments. So even though you don’t get a link or still hard to market your apartment, the developers will help you find a tenant.

Can be rented on a monthly basis and annual

The length of the duration the tenant depends on your agreement and if he was from the beginning you allow tenants in rented for a year, you should make arrangements so that there is no harm in the form of damaged goods, other than that ask for a deposit and specify the date of the monthly payments.

While if a tenant signed for monthly, ask him to inform 1-2 months in advance if they are going out, so you could be looking for new tenants.

Julius Andrie, the fastest guitarist in Indonesia Surabaya Origin 400Bpm

Julius Andri is guitarist shreder Surabaya-born 1987, became interested in and learned to play the guitar in self-taught from the age of 13 years. With real skill, in 2002 while still in JUNIOR HIGH SCHOOL j. Andri joined the group DYNAMICS of the band. Abbas started his music career by following the various band contest between students in Surabaya, with rock songs on Indonesia, such as BOOMERANG, GOD BLESS, JAMRUD etc.

Many achievements already in raihnya like a champion 2 Guitar battle shredd 2014 in Surabaya, Champion 3 band sejawa East 2005, a student band champion 2 surabaya, 2004.

He began seriously studying the guitar in 2013 with a studied to guitarist jual gitar akustik murah Puguh Frizzy, and mastered speed picking and various other guitar techniques up to 2006 at studio Zieltro in surabaya, and further by 2013 drew on music education in GRSB style Jazz Rock.

Many guitarists guitarist the world an inspiration such as Yngwie malmsteen andrie Julius, John petrucci, steve vai, Joe satriani, Joe pass, Frank gambale, Greg howe, Scott handerson, BB king. for inspiration in the country such as Ian antono, Eet syaharani.

And just recently he crowded in perbincangkan in cyberspace thanks to a video on the youtube site to unggahnya with the title of Fastest guitarist, Andie Juliis indonesia 400Bpm. berudasi video In about 5 minutes, julis showed skillnya playing guitar fast start from the lowest to highest i.e beat 400 beat per minute with 32 Notes Per second.

A familiar lead guitarist called Abbas was once playing flight of bumblebee with a very high speed, i.e. 400 bpm and now is working on his solo album.

Because of a strong belief, that his works in bersolo Guitar able to bring Gavin came to his dream and found out his true identity, Gavin who was the first champion of the 2014 Competition Supergitar still continue to create instrumental works and have prepared 3 album ready was released one by one every year after the first album.

And the current administration preoccupied with the pipeline are Gavin project from SupermusikID And Gitarplus as well as help album Dewa19 Yuke.

Published in Music by admin.

The Musical Journey Of Flashbacks Gavin Iedema

Among the guitarists, the name Gavin Iedema already very familar, the owner’s full name Gavin Aren Iedema Diamond is an original guitarist shreder Jakarta, ciputat already wara wiri on the stage the stage guitar. Born on May 23, 1987 of a bygone, Gavin inherited the blood of artists from the father who also turns out to be a musician, his talent inherited his father makes Gavin proficient in playing the guitar.

Early interest in Gavin’s response to the guitar, while the age of 11, every home school Gavin always played acoustic guitar with her friend, Metallica song titled Nothing Else Matter, being the first song that Gavin Ahold.

On its 15th anniversary, Gavin got kado brand Ibanez Gio electric guitar jual gitar akustik elektrik and Amplifier Peavey 15 watt by the mother. That’s when the beginning of the journey as a guitarist Gavin dimemulai and formed a band with her friends, with their songs Rock Rocks such as Helloween, Metallica, Guns n Roses and others.

On his journey as a musician Gavin continues to explore to discover his true identity as a reliable Guitarist and character. He has much to learn from the world’s great Guitarists to be able to dig into the potential of rubber in the game his guitar, a variety of dwarf guitar playing such a high level of Speed, Sweeping, Tapping, Legato, Arpeggios, all be it mastered in no time.

Songs with guitar technique and complex chord height like songs from Mr. Big, Extreme, Van Hallen, Yngwie Malmsteen, Dream Theater, Steve Vai and Joe Satriani, be makananya daily.

Up to the age of 17, Gavin stepped on then formed the band that aims to sustain his dream of becoming a guitarist named Castel. and in the age of Gavin already has 5 songs of his own creation that is often performed at the time performing in music festivals with the band, but the band seems not fared well, because the problem of the flurry of each band members was finally disbanded.

However, no shattered our morale Gavin to return formed the band though always experienced similar things, until he auditioned a guitarist in one of the bands that are ready the tape, and out go in other bands he ever much.

Attended lectures Department of Advertising Graphic Design also Gavin lives, and finally he chose to quit. However, the provision of such education Gavin capable and proficient in operating computer software application program, he then tried to make recordings at home or send it when the umur19 years, and has produced songs with the band’s own creation.

Via the internet always studied the development of Gavin music and games of the gods of guitar world as Steve Vai, Joe Satriani, Paul Gilbert, Greg Howe, John Petrucci and anyone who thinks tasty dikupingnya to learn as an inspiration in his work.

And in the end Gavin decided to simulcast his solo career by becoming a single Guitarist at the time of her life moving 24 years, Gavin started a solo career under the name Gavin Iedema, by filling in some cafe with backing tracks song ciptaanya own.

until eventually Gavin decided to make an album of solo guitar and sell it at a time when the age of 26 years, the album named “Mr. Gavin One Man Show” with the title of the album Creator, this was the first album he work on his own since april 2014 and then, starting from the composer, recording, mixing, print cover and a doubling of his CDS, he is working on his own.


Published in Music by admin.

If It Is Like This Way, Eat Eggs Thus Make Pain

Eggs are one of the foods that are rich in nutrients. However, because eggs, someone could have been instead so ill. Then what are the things that can lead to even eat eggs so sick?

Spoken nutritionist Jansen Ongko, MSc, RD, is not actually a disease from infectious eggs in humans. However not to carelessly eating eggs.

“Care should be taken when consuming fresh egg or egg derivatives products to avoid foodborne illness that can arise,” Jansen in the discussions with detikHealth.

Jansen explains the inside eggs that appear normal can only contain Salmonella bacteria. Well, this bacteria can make you sick.

These bacteria can enter the body and disease make risky, particularly if the eggs are eaten raw or lightly cooked. Therefore we recommend that eggs are consumed is cooked and handled properly.

“Eating an egg that has already contaminated the bacteria can cause side effects such as bisulan, diarrhea, stomach cramps and fever,” dial Jansen.

For those who have certain diseases such as diabetes, high cholesterol or heart disease, eat eggs more than two a day is not recommended. Jansen suggests a maximum of only one egg per day.

Read also: the explanation Reserved Broadcast Spots in the skin of the egg can make of diseases

Frying eggs use oils that have terhidrogenesis (a result of the process of warming) also can harm health. This is because the oil gorengnya transformed into trans fat so that potentially increase the cholesterol in the body.

One time ever reported the case of a person dying after the menginsumsi raw egg. This case occurs in Tunisia. A man died after eating 28 eggs raw.

Related cases, Dr. Dr. Ari Fahrial sham, SpPD-KGEH, MMB, FINASIM, FACP, from the Cipto Mangunkusumi HOSPITAL (RSCM) says if eating eggs a lot in a short time can cause death due to a heart attack. This is because proteins and excess calories that enter make a heart burden increasingly heavy.

Especially if the person is indeed already present talent blockages, then it could lead to high blood pressure instantly and can trigger the onset of a stroke.

Published in Health by admin.

Select The Right Diaper Yuk To The Grassroots, The Mother

With so many brands of diaper that is currently circulating in the market, both external as well as domestic brands, then don’t be surprised if a lot of parents who may still feel confused to choose the right diaper for the fruit of their hearts.

However, you certainly don’t need to worry, mother. Of cause, you can choose diaper Sweety currently has many selected by Indonesia’s consumers. It is as expressed by the Damayanti Wenny, Marketing Manager of PT Indonesia Softex.
“Sweety is a brand of diapers from PT. Softex Indonesia already mastered market share and gain consumer confidence Indonesia. The belief is certainly resulting from hard work PT. Indonesia Softex to create baby products tested clinically from Australian Dermatest centre as hypoallergenic materials and is safe for baby’s skin. ” Wenny said in Jakarta, Tuesday, January 5, 2016.

Further himself also explains that Sweety always innovating follow the desires of consumers by launching innovative products for premium class i.e. Sweety Gold. This product is the result of a strong research and development as well as the international standard.

“This product has been tested through several stages that are promo giant hari ini quite long, and have passed the test tests both national and international. Sweety gold produced from material selection and launched in 2 types, i.e. type pants and the type of adhesive, “he explained.

Types of pants or sweety pantz gold has a size that varies from S to XXL, whereas the type of adhesive or Sweety Comfort Gold has size from newborn up to size L.

Sweety Gold produced using technology first and unprecedented in Indonesia, namely diamond layer techonology or technology with a layer of bertektstur diamond in the second type. This technology makes Sweety Gold 3 in 1 advantage, i.e. lapisannya is very soft and safe for baby’s skin, as well as being able to make the liquid is distributed with super fast and is absorbed instantly, so that the surface will always be dry.

“This technology makes the latest diapers, Sweety Gold, it has the ability to accommodate a fairly large, more than regular diapers with the same levels of absorbency. This is because, the liquid which does not rotate in one place only, “explains Wenny.

According to Wenny, Sweety Gold is the first in which Indonesia diapers certified dermatologist Australia. A plus of Sweety Gold certainly is due to the Diamond Layer Technology that makes the top layer of diapers very smooth with absorption and maximum capacity that can hold ompol baby all night.

In addition to actively innovate creates new products that understand the needs of the small, caring Sweety towards child development Indonesia also conducted through activation-activation Sweety Parent Academy.

“Sweety Parent Academy is a container to share tips and education for the development of the grassroots among the elderly. In addition, we also perform a digital campaign via youtube. ” Wenny Lid.

Buy Wedding Dresses Online, But The Original Stuff Is Depressing Kok?

Shopping online does give a lot of convenience and advantages of its own. Dont have to bother waste energy out sign in the store. The process can also be done directly from home using personal gadgets. Even goods that are sold online can be easier than that sold in the offline store.

It’s just that, online shopping also had “traps batman” of his own. If not careful or more jelly, can-can we even disappointed that the original goods we receive turned out to be much different than the stuff that appears in the picture. As experienced by a number of women. Had they wanted to look beautiful and elegant in their wedding day with wedding dresses that are ordered online. But it turns out oh it turns out … the original wedding gown they receive even looks very sad when worn.
Before buying the goods, notably the dress in the shop online, there are a few things to note let me not fail or endless let down. First, make sure its size. For a dress, you need to be able to ascertain the size of your body with a really fit and details. Lest ye origin chose a dress just because it is interested in the design or model only.

Secondly, the credibility of its online store. Check first whether the online store or deh seller promosi guardian really can be trusted and have credibility. Try reading the testimonial or search for info from previous buyers. Whether the purchaser was satisfied? Or are they in fact many were let down? From there, you could not guess about whether customer satisfaction assured or not.

Third, price and quality. Always check and material quality with price ricek dresses. For example, nih, if the description listed on the materials her dress was of silk but the price is on par with the cotton material, you need to begin to suspect. It feels impossible to be able to dress with the quality of the ingredients is nice if the price is too cheap. Surely nothing.

Fourth, recognize the shape of your body. What looks pretty worn by the model is not necessarily also could look fits in your body. The shape of a woman’s body can be different from each other. So do not easily believe what you see on the model. Moreover, if you want to buy a dress, usually every dress designed with a size that should really fit the wearer.

Buy wedding dresses online store arguably quite risky. We suggest anyway if for a wedding dress, a special message directly with the designer. Or alternatively, go straight to the shop to try to direct the dress before buying. Rather than buy online and eaten by the lure of a cheap price, but instead make a nyesek.

So, more carefully while purchasing goods or clothes online, yes Ladies.

4 documents that You should immediately destroy the

Often we don’t realize our paper piled up in a drawer. Meet the drawer with documents that you shouldn’t have to save. Rather than making a full closet you, here are 4 documents that you should immediately get rid of:

Current Account
Overdraft can be destroyed after one year. Rather than stockpiling paper at home, you can take advantage of reports that did not use paper. Take advantage of the technology. You can view details of transactions through internet banking, and you can ask for when really needed it.
Instead you choose a report in the print version, the better you see the Bill in the form of soft copy. Phone and electricity bills currently use many services online, and they deliver the invoice there. So you don’t need the paper piling up baffled electric bill and telephone.
Salary Slip
No need to save salary slip, simply ask at the HRD if you need it. Salary slip stacking will make the more narrow drawer.
Insurance Policies
No need to save the document policies of insurance that you follow. The insurance policy is usually described on the website of the insurance company. If there is a less obvious you can ask its staff members.
Ladies, keep paper that is not important other than overcrowd the drawer you are also inefficient. Better to reduce the use of paper. If there is a digital format better keep it in shape. Mandatory documents you save among others Karu birth, licenses, ID CARDS, passport and other important documents.

Before deciding to destroy the papers isn’t important, just think back. Is it true that document will not you need it later. Hopefully helpful Ladies.

Published in Tips by admin.

The Benefits Of Swimming For The Body

These benefits include:

1. Build muscle
Time for a swim, we move the almost total muscles on the body, starting from the head, neck, upper part of the motion, chest, abdomen, back, waist, the lower part of the motion, and the soles of the feet. time jasa pembuat kolam renang moves in the water, the body excrete more power due must be ‘ against ‘ the mass of water which can strengthen and limber up the muscles of the body.

2. Add the power Benefits the heart And the lungs
The movement pushing and kicking the water with body parts especially the hands and feet, can increase blood flow to the heart, blood vessels, and lungs. mean, swimming can be categorized as aerobic exercise in water.

3. Increase height
Swim well and can actually make your body grow taller (for which remains in development no doubt).

4. Train the Respiratory
Very recommended for persons exposed to asthma to swim due to crdiovaskular and respiratory system can be so powerful. penapasan we are so much healthier, smoother, and breathing so much longer.

5. Burn More Calories
Time swimming, the body can feel heavier moving in the water. Automatic power required then so is higher, to be able to efficiently burn approximately 24% of the calories the body.

6. Self Safety
With swim we don’t need to worry if one time natural subject not in dreams is primarily associated with water (Falling into the sea and others).

7. Relieve stress.
With psychological, swimming can also make heart and mind more relaxed state. the movement worked with swim and enjoy slowly, can add the hormone endorphins in the brain. the situation thus cool hearts, minds more adem, the Agency then non sultry.

Before while swimming, so that the body is not ‘ surprised ‘, it is recommended to do warm-up movements to avoid muscle cramps all also serves to increase the heart rate and body temperature with gradually as well as working on cooling after finished the swim in order that the body temperature and heart rate did not decline with striking with the natural step swim slowly along the 5 minutes.
for heating could start with doing easy movements, like swinging hands and feet or walk more or less swimming pools along 10-15 minutes. then gradually start with one round across the pond, then rest 30 seconds how many times as well as peak swim for 20-40 minutes non-stop. After some weeks, the practice can be improved. the good news, changing style pool that all muscles are trained.

Only one ‘ lack ‘ of this type of sports that is in fact less fortunate for bone health. the absence of Earth’s gravity style swimming times thus had influence on bone mass of ugly. to handle it, you can menyelinginya with other sports like jogging, walking, or cycling.

Swimming is the best exercise. for those of you who are afraid of the water, try to leave your fear starting from today. go to the closest swimming pool at your residence as well as menyeburlah! experience the benefits of swim is a very wonderful for your body.

Merefreshkan mind and relieve stress. you are probably tired, tired, stress with all of your employment that memforsir energy as well as your mind. well, get into the water can help you relax your body, merefreshkan your mind.

Help tighten sagging muscles. the movement can actually help you tighten the muscles of your body loose. muscles of the arm, breast, abdomen, thighs, and calves, can so more toned and more so check out body.
Slimming body. women with excessive weight generally use swimming as among regular therapy to help burn fat, not just gymnastics. This could apply to the contrary, to women who are too thin, swimming can also be so therapeutic to raise a weight.

For pregnant women, swim activity can help create a smoother flow of blood janinnya as well as on the mother to help strengthen the muscles. also can help breathing. Thus, the time of birth, can be more easily for pregnant women to regulate breathing.

Published in Sport by admin.