General Articles

Home Mortgage (KPR) seems to be a solution for those who want to have a dream home. Understandably, not many people can afford to buy a house in cash given the rising price continues. Indeed, in buying a house even though through Perumnas Home Mortgage, still have to prepare more funds to pay a fee to buy a house.

What are the costs?

  • The cost of the signThe cost of this sign is valid for used houses and new homes. Usually if the former house we pay to the matchmaker (intermediary). While the new home, the cost of this sign is requested by the developer as a sign of ordering the unit of the house.
  • Down paymentDown payment must be prepared from the beginning. When it has reached the credit agreement with the bank, then pay off the deposit by signing the Letter of Sale and Purchase Agreement (SPJB) in front of the notary. This SPJB is a proof of settlement of the advance when the credit agreement.
  • Notary fees to bind credit and land certificatesThis cost includes behind the name of the land certificate and other documents relating to the house. This cost becomes the responsibility of the buyer.
  • Provision fees, insuranceThis charge is cited by the bank if the mortgage is approved. The amount depends on each bank. Only on average about 1% of the value of the loan. In addition, also prepare life insurance funds and fire insurance.

    That’s just the costs that must be known from the beginning when intending to buy a house. Once ready with the various costs that arise, the next is to know the process of filing a mortgage to the bank.

What to know:

  • Learn about mortgage submission requirements so it’s easy to complete documents.
  • There will be an appraisal process (assessment) of the house to be purchased.
  • Banking rate calculations (interest rates, credit agreement fees, insurance, etc.)
  • Credit agreement

Say you’ve got the house you’ve been after and have already given you a check mark. Then what’s next step?

Complete the required documents

Make sure all documents are prepared before applying to the bank.

Private document:

  • ID card and family card
  • NPWP
  • Marriage book
  • Salary slip
  • Certificate of employment (for employees)
  • Newspaper savings account last 3 months.

House documents to be purchased

  • Copy of land certificate
  • Copy of building permit (IMB)
  • A copy of a letter of signature from the developer / seller of the house that agreed to sell the house.

After all the documents submission complete mortgage, then take it to the bank. The Bank will check all the completeness of the document administratively.

General Articles

It is always important that a company has good testimonials from the clients so that more people can trust the services offered by such a company. This is no different when it comes to the services offered by Trade Show Internet Company. The companies getting Wi-Fi for an event via TradeShowInternet.com have increased with time. The Food Fanatics Live is an event that was hosted by the US Foods company. Trade Show Internet provided high-density Wi-Fi services to the attendees. The event brought food services professionals together with the premier chefs and consultants and culinary experts for the food event.

There were 200 attendees from Indianapolis who attended this event. 200 exhibitors turned up and you can imagine the bandwidth requirement for all these people. Trade Show Internet was up to the task! The company provided the internet network to help the attendees download the QR codes and there was dedicated VLANs. Wired Ethernet drops were also availed for all the registration kiosks and service desks.

Another event in which TSI provided internet bandwidth for conferences was the Tommy Hilfiger event in the Venice Beach.  This was a fashion show hosted by the company and TSI was at hand to provide all the bandwidth needs for the attendees.…

Business, General Articles

Cornhole originated in the Midwest, but people all across the country are quickly finding out how enjoyable it is. The game, also known as corn toss or bean bags, involves throwing canvas bags full of dry corn at angled boards with holes in them. No matter what you call it, the game is a wonderful way to get family and friends outside and having fun.

In an age dominated by lazy pastimes such as video games, interactive bar trivia, cell phone mania and the internet, the allure of an outdoor game can be dubious. How is it, then, that cornhole has become such a phenomenon in recent years?

The Rules Are Easy

Cornhole is simple to play. The rules could fit on the back of a business card with room to spare! Scoring is simple as well, so anyone could go from never hearing of the game to fully understanding how to play in a matter of minutes.

Anyone Can Play

Cornhole is a game that can be enjoyed by anyone. Older folks may not enjoy the complex nature of often violent video games and likewise, may not have the hand-eye coordination necessary to play them effectively. Young people likely will not know how to play card games like canasta or pinochle. With cornhole, every generation can play together and enjoy the entertainment simultaneously. The game does not discriminate and is not exclusionary like many outdoor activities. After all, it would not be wise to pit grandma against 250-pound cousin Mike in a game of football!

It is Real-World Social Interaction

When people hear the word social these days, they think of Facebook. Get some real socialization going around a couple of official cornhole boards and get ready for an afternoon of good-hearted fun and laughter. The game does not require much physical effort, so there will be plenty of opportunities for chatting about life while waiting for your turn.

The popularity of cornhole is not necessarily in the game itself, but in the wonderful memories that are made when people get together and have fun. It is not expensive, and boards can last for years. Once you have yours, your backyard becomes a meeting area, picnics become more active and fun, and you shall soon be creating memories that you can look back on and smile about for years to come!…

General Articles

Tourist attractions in Lovina Bali is one of the sights that presents the dolphins. Tourist attractions are located in North Bali is always visited by many tourists, both tourists and foreign tourists. You can see the dolphins closely. Unlike at Keramas Beach serving the dolphins in a pool, in contrast with the dolphins at Lovina beach but can watch in a pond we can also see the domestic animals in the wild.

To be able to see the dolphins closely at Lovina beach, you have to go to sea before sunrise by renting a fishing boat owned by local residents. Lovina Beach Sea in Bali so that these waters are calmer. Therefore, visitors can go to the middle of the waters using fishing boats. The fishermen on this coast will be happy to take you to traverse the sea to get to watch the dolphins danced and jumped. But you do not expect 100% to be able to see dolphins in the wild and is subject to natural factors. The best time to see the dolphin dolphins animals during the dry season (around April – October).

Buleleng Bali, Lovina Beach Tourism

In the area of ​​Lovina beach, there are places to conserve coral reefs so the view of the underwater biota really captivates with fish that live and breed well. You can do a dive to see the beauty of this Lovina Beach marine park is close to the diving equipment hire is available at About a Lovina beach area.

Lovina Beach you can watch the sunset as Kuta beach, only black sands Lovina beach. Premises of a walk along the coast while enjoying the sunset and beautiful natural scenery. You can also sit around the monument Lovina beach. Where on top of the monument there are animals dolphins iconic Lovina beach.

Bali Lovina Beach Buleleng

If you want to feel the sensation of Lovina beach, you should stay in a hotel or inn near Lovina beach. With it you can already feel the sensations start seeing dolphins in the wild, diving to see the beautiful life underwater Lovina beach and see the sunset at dusk. You do not worry for the problem because many hotels or lodging provided a cheap hotel near the beach lovina from jasmine to class luxury hotel at an affordable price. Tourist attractions Lovina Beach is a flagship tourist attraction Buleleng district. Therefore, this area is already well organized.

Location and How to Access to Lovina

Tourist attractions Lovina Beach in Kalibukbuk village, district Buleleng, Buleleng, Bali. From Singaraja City (the capital of Buleleng) to go to Lovina Beach takes about 20 minutes, or a distance of 10 km, with down the road Ahmad Yani to the West and then proceed to the Singaraja – Seririt. From Jalan A Yani, after traveling 9 km or 16 minutes you will find a signpost (sign) for directions to Lovina Beach. Follow the signs direction then you will arrive at Lovina Beach.

If you come from Ngurah Rai airport takes approximately 2.5 hours drive or a distance of 92 km to get to Lovina Beach. As for the trip to get to the beach Lovina from the Ngurah Rai airport. It is through Jalan By Pass Ngurah Rai Jalan Sunset Road proceed to the Iman Bonjol. From Jalan Iman Bonjol point your vehicle toward Tjokroaminoto then proceed towards the roadway Denpasar – Gilimanuk then to Jalan Denpasar – Bedugul. Once up area of ​​Bedugul (Village Pancasari) to navigate your vehicle down the road Asah Munduk then headed down to the streets Gobleg Singaraja – Seririt then turn left. Now with down the road Singaraja – Seririt to the west you will find a signpost (sign) for directions to the beach Lovina. Follow the signs direction then you will arrive at Lovina Beach. For the journey, please see Google Map.

So that your trip is not boring because it spent 2.5 hours journey, it is advisable to visit several tourist attractions located along the journey:
1. Tourist attractions Pura Taman Ayun
2. Tourist attractions Lake Beratan
3. The tour of Lake Buyan and Tamblingan
4. Waterfall Munduk
5. Waterfall Melanting

By visiting some of the sights, your trip will not be boring for heading Lovina beach. Meanwhile, tourist attractions near the Turkish Weighing Lovina Beach, Happy Beach, Park City Singaraja, Buleleng Harbour Ex, Thermal Bath and Banjar.

General Articles

There is no doubt auto and home insurance are a necessity. It is a fact that accidents happen. While insurance does not keep something from happening to your auto or home, it can cover the damages and help you to recover. Often when you have more than one type of insurance with the same company such as mercury insurance it can save you money. It also makes it easier to keep track of bills.

Auto Insurance

There are different types of auto insurance and choosing the right one for your needs will depend on several things. Is your vehicle financed or do you own it out right? If it is financed or if it is a new model, you will need full coverage insurance.

You may be a safe driver, but accidents do occur and someone else could be at fault. What if the driver at fault does not have insurance? Uninsured motorist should be included in your plan. Although most states require motorists to have liability insurance at the least, it does not mean everyone has insurance.

In addition to the damage to your vehicle that could occur as the result of an accident, there may be medical bills. You could lose time from work and you will need a rental car to use while your car is being repaired. If it cannot be repaired, you will still need to get around while you are waiting for the insurance so you can buy another car. All of these things can add up to quite a bit of money. This is why insurance is so important. The premiums are just a portion of what you could end up paying without insurance.

Home Insurance

Whether you own your home or rent, insurance is necessary. For homeowner’s this will cover all types of losses from fire to snow, lightning, theft, and more. Each policy is different so you will need to find the one that covers everything you need to insure. Wind and flood insurance may not be included and require additional coverage. Separate policies are generally needed for certain things such as valuable jewelry or artwork.

If you need insurance quickly, it is likely that you have been comparing companies. Today many people are utilizing the Internet to shop for insurance from companies such as Sameday Insurance Services, Inc. when it comes to protecting their homes, vehicles, and businesses.…