When you plan to buy the house of course you expect the best results in accordance with the cost of which will be issued. Therefore, before you start to sight seeing for your future home, you should make a priority list for houses that is wanted such as the number of bedrooms, bathrooms, pages, garage, roof condition, walls, and others. And then make a list of the general facilities - that you will need, such as water supply, electricity, public roads, sanitation, houses of worship, schools, markets, and others.
Add more to the list other requirements such as flood-free, friendly neighbourhood, etc.
1. Determine how to take care of your house
Each person will have a different answer. The key in buying a house is that it should make your life more prosperous. Do not make this purchase if it will make you experience a decrease in the standard and style of living and does not reach other financial goals in the future. To avoid that situation then create a family accounting balance sheet for the property of liquid cash that are ready to be used to finance the purchase of a house. Property of liquid cash mean is a number of idle funds in your savings, deposits or other place that can be taken at any time.
A number of the cash must be available in the process of purchasing a house even if you buy it by credit. Because, in general, the transaction with the purchase of home loans house divided into 2 phases, advance payment with the house, the seller will ask for money as a down payment, the amount is vary, usually at most only 30% of the house price,then the rest is financed by home loan.
2. Preparing a number of cash advance for back up.
Some cash should also recommended to anticipate the other cost that maybe occur in purchasing a house, such as booking fee, deposit, sale and purchase deed, the cost of the certificate and notary fees, and so on. If the purchase of a house financed with loans from the bank should also be prepared to fund administrative costs of credit provision fastening, notary fees, fire insurance and life insurance. In addition to also consider the cost of moving to set up house, and fill the house. Although the contents of the home purchase can be done gradually according to the availability of funds, if your money have been a mostly spent, at least you still have it to buy a curtain.
3. Search for source of funds or financing sources
Buy a home can be done with the 2 way that is in cash and credit or a combination of both. If you want to buy a house in cash, you can set up some funds, such as how to save regularly or invest. So that the accumulation of the benefits of investment can be used to buy a house.
The Advantages of buying a home in cash, you do not need to depend on other parties and the most fun you are free from the obligation to pay the monthly installment. But it may take a very long time to reach a number of funds that you need to buy a house.
With high house prices at this time, some of you may be difficulties in providing the funds in cash to purchase the house. You can still buy a house with a loan to the Bank. In general, funds that can be given credit by the banks is a maximum of 70% from the price of the house, the rest of 30% must be financed by itself and is considered as a house down payment.
If you want to buy a house that way, you have to estimate how much income you can spare to pay the repayments. Of course, your net earnings per month should cover another household needs first, then the rest is for paying the loan. Ideally your home loan repayments amount not more than 30% of your total earnings so that the remaining 70% will be used to replenish the other needs.
4. Check the obligations on your debt or any other party before you submit a credit to the Bank
The Bank has its own analysis and sources of information that can be trusted to know the condition of your financial picture. Therefore, before purposing a loan to the Bank, please check your other debts such as Installment of credit cards,motorcycle, car repayments, and others.
Do you have bad debts on the other hand, when the due date of the last - installment of your debt. If you have more than one credit card, but only one is active, the other card should be closed. This is to prevent the bank, not to enter a non active credit card as your debt, because you have not actually use it.
Tips to bid price of the house
New buildings such as houses, flats, apartments usually offered with a fixed price from the developer while second hand houses are usually open for bargaining. There is some information that we should be pay attention before we submit an offer:
* The price offered is the same as that offered for the other house with the same conditions are the same area
* Condition of the house, whether it need to repair or not.
* It is how long the house has been offered for sale,
if it has been offered for some time ago the seller may desperately want to sell the house so that you can push the price to the lowest. Ask the neighbors about the house price in that area, maybe you even find out the reason why the seller want to sell that house, so that from the information you will get the best price to buy a house.
As an advertiser, we must have a good, eye catching, quality ad that represent our product, but not all of the advertiser know how to make or design our ads to meet that requirement. If we had a designer friend, we could ask them to make it for us, but it's not a good thing if we keep on asking. We can ask a paid designer for doing it, but again It's not fun to keep on spending money for our ad, specially if the cost is expensive.
So, Why don't we try to do it ourselves? I found this site when I was surfing in the internet. On that site, they told us how to make or design our ad as good as a designer. How do we do it? In that site they explain everything step by step how to make an ad by ourselves. For example, How to Develop Benefits, Things to remembering brainstorming, etc. It also contain some tips like how to develop your offer, etc so we can make an ad with a strength to compete with other. Not to forget about some tips in avoiding things that people often do like overkill ad, etc.
It's the time know not to depend on someone else in making ad. Once You success in making it, You will feel confidence to make another one and maybe start to help other advertiser in ad making business. this site also give you an idea to become an ad designer yourself. Isn't it more interesting for our business?
So, Why don't we try to do it ourselves? I found this site when I was surfing in the internet. On that site, they told us how to make or design our ad as good as a designer. How do we do it? In that site they explain everything step by step how to make an ad by ourselves. For example, How to Develop Benefits, Things to remembering brainstorming, etc. It also contain some tips like how to develop your offer, etc so we can make an ad with a strength to compete with other. Not to forget about some tips in avoiding things that people often do like overkill ad, etc.
It's the time know not to depend on someone else in making ad. Once You success in making it, You will feel confidence to make another one and maybe start to help other advertiser in ad making business. this site also give you an idea to become an ad designer yourself. Isn't it more interesting for our business?
It's really amazing what a human brain can do. I always believe that spelling is really important in English language, until I read this paragraph below :
I cdnuolt blveiee taht I cluod aulaclty uesdnatnrd waht I was rdanieg. The phaonmneal pweor of the hmuan mnid. Aoccdrnig to rscheearch at Cmabrigde Uinervtisy, it deosn't mttaer inwaht oredr the ltteers in a wrod are, the olny iprmoatnt tihng is taht the frist and lsat ltteer be in the rghit pclae. The rset can be a taotl mses and you can sitll raed it wouthit a porbelm. Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef, but the wrod as a wlohe. Amzanig huh? yaeh and I awlyas thought slpeling was ipmorantt.
I am sure that you understand what it mean in the paragraph above...I learn that a more useful reading "trick," is to read just the first and last sentences of paragraphs. That's where the most useful information usually is.
Tihs is rllaey amzanig huh? :)
Hello.
After All Your Time and Effort are You Only Getting 10-50 Visitors To Your Site Each Day?
How Would Your Website Perform With 500 Visitors Per Day?
Well follow this simple one step and get the traffic for all your valuable content you have been writing for so long.
Make A List Of Links As Below and Insert Your Link instead of YOUR LINK HERE from below:
01. TutZone
02. The Silent Majority
03. Tech Mania
04. CssReflex
05. Tweaking Windows
06. Jobs Tips And Employment Guide
07. 3arabax
08. EastWebDesign
09. Affilate Marketing
10. Download Free Flash Animation
11. The Things We Talk About
12. Get Computer Softwarez
13. Clicking Daily
14. Sobari Blogz
15. Baixa Filmes de Graca
16. Epigraflar
17. Right or Left
18. Explore Computer World
19. Green By Diamond
20. ButtonBash
21. haditsshahih
22. belajar bareng yuk!
23. Blog Gado Gado
24. YOUR LINK HERE
Or better get the Copy/Paste Code from
and make a new post on you blog and then make a reply with the posted link here:
This will surely Increase Web Site Traffic and page Rank.
Also Don't forget to promote this article via social networking and telling your friends. It only means better results for yourself and everyone on the list.
The Xpango Credit System is designed to enable you to receive your Free Mobile Phone, Gaming Console, MP3 Player or HDTV.
Credits can be gained in a number of different ways, but all of which have the same result, with Credits being exchanged for your selected Free Gift! Do you want to check it out?
Xpango uses a unique Credit system to reward our customers with Free Mobile Phones, Gaming Consoles, MP3 Players & HDTVs !
Each Gadget is received for Free in exchange for Credits which can be received from Xpango.
When you register with Xpango and select your Free Gift, you will receive a 'Referral ID' which is used to gain Credits.
Credits can easily be gained by either (or a combination of) participating in Xpango Offers, Referring Friends, or by purchasing a Clix Package .
Credit requirements for Gifts vary depending on the retail price of the Mobile Phone/Gaming Console/MP3 Player/HDTV. More expensive Gifts require more Credits than less expensive Gifts. The diagram below details how the system works:
So...Do you interested? just click one of the link above, or here choose your gift,then and let's start collecting credit.
Angelina Jolie's beauty is amazing. In each occasion, the mother's six children is always cause click amazed. The survey shows that she is the most beautful women in the world.
Survey conducted by the magazine for women 'Vanity Fair'. quoted from detikhot Female First, on Wednesday (15/4/2009), the pair live of actor Brad Pitt was chosen by 58 percent of readers as the most beautiful woman in the world.
That result is very dominant compared with other women on the list of the Vanity Fair. Supermodel origin Brazil Gisele Bundchen who has occupied the second position only get 9 percent of votes. While the catwoman Halle Berry is in the third position only get 4 percent.
The names of other beautiful women who successfully removed by Jolie, among others, is Penelope Cruz, Scarlett Johansson, Kate Moss and singer Beyonce.
Not only this time Jolie is called like that. Last month the magazine 'Who' crown from Australia also stars' Changelling 'as the most beautiful woman.
How do you think?
Source: detikhot.com
I've got these award from my International friend blogger :)
The first one is from mymeryl (Phillipine)
and the other one is from jessyjessieca (Malaysia).
Both award are represents the value of friendship.
I love both award because it makes me feel of being accepted as international blogger :D and these award doesn't have tasks so I don't have to do anything just forward it to some other blogger.
So Now I will deliver those 2 award in a packaged ( because they came in the same time ) to the following blogger :
1.devianty
2.Aditya Ramadhan
3.Ho hum, I drum
4.incredibleleven
5.jennyjenjen
6.mbak Reni
7.investasigo.com
8.mayaozk
That's all my friend blogger who I think deserved for accepting these award, pls feel free to Copy the award and forwarding to others who do you think also deserved it.
Thank to mymeryl and jessyjessieca for the award. Wish the best of luck for both of you.
The first one is from mymeryl (Phillipine)
and the other one is from jessyjessieca (Malaysia).
Both award are represents the value of friendship.
I love both award because it makes me feel of being accepted as international blogger :D and these award doesn't have tasks so I don't have to do anything just forward it to some other blogger.
So Now I will deliver those 2 award in a packaged ( because they came in the same time ) to the following blogger :
1.devianty
2.Aditya Ramadhan
3.Ho hum, I drum
4.incredibleleven
5.jennyjenjen
6.mbak Reni
7.investasigo.com
8.mayaozk
That's all my friend blogger who I think deserved for accepting these award, pls feel free to Copy the award and forwarding to others who do you think also deserved it.
Thank to mymeryl and jessyjessieca for the award. Wish the best of luck for both of you.
I have to post about this, since my blog's name is gado gado :)
First of all, gado gado is one of exotic Indonesian traditional food. It's called gado gado which means a mixture of mostly vegetable with peanut sauce and spices that make this food as a sweet and hot salad for the foreigner. There are so many kind of recipes for gado gado and I will just post one of them that my mom always make. Hope you will enjoy it.
Ingredients:
150 grams of cabbage, sliced
1 bunch spinach
50 grams of bean sprouts
6 bean stalk length, cut 4 cm
1 soybean curd, ( fried )
150 gram tempe ( fermented soybean product ), fried
1 cucumber fruit, cut dice
2 eggs, ( boiled )
Melinjo crackers
For Sauce:
grind 300 grams of fried peanuts
500 ml coconut milk from 1 clove of coconut
1 stem Serai,
2 pieces of lemon leaves
4 tbsp tomato sauce bottles
2 tbsp sweet soy sauce
2 tbsp cooking oil
1 tbsp chicken taste flavour
mashed:
2 red chili
5 cloves of onion
3 cloves garlic
2 cm turmeric
1 tsp salt
Complement: Leaf lettuce, tomato, and boiled eggs
Topping: fry onion
DIRECTION:
1. Sauce: heat oil, sauteed mashed ingredients until it become a bit yellow and smell. Add with peanut, coconut milk, Serai, lemon leaves, tomato sauce, sweet soy sauce, and chicken flavour , stirred well, cook until it boiled, lift.
2. Boil vegetables until cooked, lift, live it to get rid of the water.
3. Prepare the dish, vegetables governance, bean curd, and Tempe. Pour peanut flavor or served separately, topped with fried onion.
served with boiled eggs and melinjo crackers.
For: 6 people
Got this funny video from Youtube, showing a twins making a joke to people in the rest room. What a brilliant idea and lots of funny things watching people reactions. Enjoy.. :)
Another award That I got this time is from from Mbak Reni
This award represent friendship, support, and of of course hopefully increasing traffic for the one who receive it. I always love receiving award, 'coz it certainly will bring traffic to our blog which is good for our business, and also give more confident to us for posting more. By having an award, at least we know that people out there read our blog so We can also put those award in the side bar just to show it to people how proud we are :)
Now I would like to forward this award to some blogger which I choose because of their unique, informative, and useful blog, or simply because I love their blog.
Here they are :
1.Jessy Jessieca
It's really cool blog, always updated and full of girl things :)
2.shiela
Reading this blog will give you lots of inspirations.
3.Meryl
Personal blog with lots of nice pictures :)
4.Poisontech
This blog has lots of tips and tricks for blogger.
5.Rumah Islami
You can find about Family and lifestyle in this blog.
6.Enduro-indra
Really cool layout
7.Sharing information
We can find about online marketing here such as click bank, domain hosting,etc.
8.Keindahan dunia
Tips about everything, but mostly about Internet and computer.
9.ghani wardhana
Great music blog
10.Aishareefa
Fantastic lay out, Refreshing and funny posts, specially her last post about Indonesian Language :)
That's all guys...Congrats to all of you with the award and please feel free to copy the award above and post it in your blog then forward it to at least 10 other blogger with your choice.
For other, my friend blogger, If you read this, please visit all the blog above, I am sure you will learn something from them :)
Thanks again to Mbak Reni for the award and the support.
Keep blogging guys... !
This award represent friendship, support, and of of course hopefully increasing traffic for the one who receive it. I always love receiving award, 'coz it certainly will bring traffic to our blog which is good for our business, and also give more confident to us for posting more. By having an award, at least we know that people out there read our blog so We can also put those award in the side bar just to show it to people how proud we are :)
Now I would like to forward this award to some blogger which I choose because of their unique, informative, and useful blog, or simply because I love their blog.
Here they are :
1.Jessy Jessieca
It's really cool blog, always updated and full of girl things :)
2.shiela
Reading this blog will give you lots of inspirations.
3.Meryl
Personal blog with lots of nice pictures :)
4.Poisontech
This blog has lots of tips and tricks for blogger.
5.Rumah Islami
You can find about Family and lifestyle in this blog.
6.Enduro-indra
Really cool layout
7.Sharing information
We can find about online marketing here such as click bank, domain hosting,etc.
8.Keindahan dunia
Tips about everything, but mostly about Internet and computer.
9.ghani wardhana
Great music blog
10.Aishareefa
Fantastic lay out, Refreshing and funny posts, specially her last post about Indonesian Language :)
That's all guys...Congrats to all of you with the award and please feel free to copy the award above and post it in your blog then forward it to at least 10 other blogger with your choice.
For other, my friend blogger, If you read this, please visit all the blog above, I am sure you will learn something from them :)
Thanks again to Mbak Reni for the award and the support.
Keep blogging guys... !
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