Ilusi Bunga Flat Pada KTA

Salah satu hal yang membuat banyak orang tertarik untuk mengambil Kredit Tanpa Agunan ( KTA ) adalah Ilusi bunga Flat. Satu hal yang saya sayangkan adalah masih banyak orang yang belum memahami apa itu bunga flat, sehingga saya kerap mendengar kalimat seperti “Ambil KTA aja, bunganya cuma 2% sebulan“. Sistem bunga Flat yang umumnya dipakai untuk KTA, memang menimbulkan ilusi bahwa bunga yang kita bayar tidak terlalu mahal, padahal kenyataannya tidak demikian.

Dalam sistem bunga Flat, bunga yang kita bayar diperhitungkan atas nilai awal hutang kita. Misalkan kita berhutang Rp 10 juta, maka besarnya bunga yang kita bayar itu selalu dihitung berdasarkan angka 10 juta ini, bahkan jika kita sudah mencicil sebagian dari 10 juta itu. Ini berbeda dengan sistem bunga “normal” (efektif) di mana besarnya bunga yang harus kita bayar itu dihitung berdasarkan kepada sisa hutang kita. Jika kita berhutang Rp 10 juta, tetapi sudah kita cicil Rp 1 juta, maka bunga yang kita bayar hanyalah bunga atas Rp 9 juta.Perbedaan di atas menimbulkan selisih yang besar antara bunga flat dan bunga efektif. Sebagai contoh, jika kita mengambil KTA tempo 1 tahun dengan bunga “cuma” 2%/bulan (24%/thn), bunga efektif yang harus kita bayar sebenarnya adalah sebesar kurang lebih 42%. Dengan tingkat bunga seperti ini, tidaklah mengherankan jika institusi perbankan begitu bernafsu meminjamkan uangnya kepada kita dalam bentuk produk KTA ini (bandingkan dengan bunga deposito yang kita terima jika kita “meminjamkan” uang kita kepada bank).

Setiap kali kita ditawarkan hutang (untuk apapun juga) dengan sistem bunga flat, ada baiknya jika kita menghitung berapa sebenarnya bunga efektif yang kita bayar. Secara kasar, biasanya jika suku bunga flat diubah menjadi suku bunga efektif, maka besarnya kira kira akan menjadi hampir 2 kali lipat

Sumber janganserakah.com

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Fresh Cocktail

A cocktail is a mixed drink containing two or more ingredients. Originally a mixture of distilled spirits, sugar, water, and bitters, the word has gradually come to mean almost any mixed drink containing alcohol.

A cocktail today usually contains one or more types of liquor and one or more mixers, such as bitters, fruit juice, fruit, soda, ice, sugar, honey, milk, cream, or herbs.[

History

The earliest known printed use of the word cocktail was in The Farmer's Cabinet on April 28, 1803:

Drank a glass of cocktail—excellent for the head...Call'd at the Doct's. found Burnham—he looked very wise—drank another glass of cocktail.

The earliest definition of cocktail was in the May 13, 1806, edition of the Balance and Columbian Repository, a publication in Hudson, New York, in which an answer was provided to the question, "What is a cocktail?". It replied:

Cocktail is a stimulating liquor composed of spirits of any kind, sugar, water, and bitters—it is vulgarly called a bittered sling and is supposed to be an excellent electioneering potion, inasmuch as it renders the heart stout and bold, at the same time that it fuddles the head. It is said, also to be of great use to a Democratic candidate: because a person, having swallowed a glass of it, is ready to swallow anything else.

Compare the ingredients listed (spirits, sugar, water, and bitters) with the ingredients of an Old Fashioned.

The first publication of a bartenders' guide which included cocktail recipes was in 1862 — How to Mix Drinks; or, The Bon Vivant's Companion, by "Professor" Jerry Thomas. In addition to listings of recipes for Punches, Sours, Slings, Cobblers, Shrubs, Toddies, Flips, and a variety of other types of mixed drinks were 10 recipes for drinks referred to as "Cocktails". A key ingredient which differentiated "cocktails" from other drinks in this compendium was the use of bitters as an ingredient, although it is not used in many modern cocktail recipes.

The first "cocktail party" ever thrown was allegedly by Mrs. Julius S. Walsh Jr. of St. Louis, Missouri, in May 1917. Mrs. Walsh invited 50 guests to her home at noon on a Sunday. The party lasted an hour, until lunch was served at 1 pm. The site of this first cocktail party still stands. In 1924, the Roman Catholic Archdiocese of St. Louis bought the Walsh mansion at 4510 Lindell Boulevard, and it has served as the local archbishop's residence ever since.

During Prohibition in the United States (1920–1933), when the sale of alcoholic beverages was illegal, cocktails were still consumed illegally in establishments known as speakeasies. The quality of the alcohol available was far lower than was previously used, and bartenders generally put forth less effort in preparing the cocktails. There was a shift from whiskey to gin, which does not require aging and is thus easier to produce illicitly.

Cocktails became less popular in the late 1960s and 1970s, as other recreational drugs became common. In the 1980s cocktails again became popular, with vodka often substituted for gin in drinks such as the martini. Traditional cocktails and gin are starting to make a comeback in the 2000s.

Source: www.wikipedia.com

See also: cake, pasta, marzano

Soto

Etymology

Nasi uduk literally means mixed rice in Indonesian. The name describes the dish preparation itself which requires more ingredients than common rice cooking and also varieties additional side dishes.

Preparation

Nasi uduk is made by cooking rice soaked in coconut milk instead of water, clove, cassia bark, and lemongrass.

Nasi uduk is commonly served with emping (melinjo chips), empal, fried chicken, and fried onion sprinkled on the top of the rice. Additional side dishes might be added according to one's taste. Chili sauce is also common in nasi uduk preparation.

Popularity

Nasi uduk is a popular dish for the busy commuters in Jakarta, mainly because it's both affordable (one serving costs on average Rp5000,- or about $0.50). It can be found throughout the day, some roadside stalls open exclusively in the morning, noon, or night, depending on the demographic of the surrounding areas. Stalls located near schools usually open at noon, while the ones near offices usually opens at night.

Source: www.wikipedia.com

See also: soto, restoran, makanan

Sidewalk cafe

A sidewalk cafe (sometimes called a pavement cafe, or patio) is an outdoor part of a coffeehouse or cafe. This is an area where customers go to relax, dine, and socialize. Other activities at a sidewalk cafe might include studying, reading, or using, if it is available, the cafe's internet access.

Sidewalk cafe ambiance

Many people who frequent sidewalk cafes, do so for the comfortable and quaint atmosphere. Typically in a sidewalk cafe there are tables and chairs [and sometimes benches] for dining and relaxing. Sometimes they are permanently outside, however they are often taken inside on closing time, or earlier if it gets colder. Usually there are parasols depending on the style and decor of any particular sidewalk cafe and there may be a low fence around it for protection against wind and/or for the purpose of decoration.

Fast food restaurants such as McDonald's also often have an outdoor dining area, thus making them sidewalk cafes.

Popular sidewalk cafe activities

Cafes where food is the main attraction usually are for dining, entertainment, and meetings, both business and casual. A cafe where coffee is the main attraction is usually for socializing, internet, reading, studying, entertainment, and dining. There are several types of cafes and venues as well as types of people that frequent these places for different activities.

Depending on the country and on permits alcohol may or may not be served. In some places local laws allow drinking alcohol in a sidewalk cafe but not on a public bench etc.

A sidewalk cafe's surrounding area

Typically a cafe or restaurant needs a permit from the municipality to have an outdoor part. This will not be granted if due to lack of space there is too much inconvenience for passers-by. The municipality may restrict the opening hours for the outdoor part.

Source: www.wikipedia.com

See also: restoran, tamani

Wifi Gratis Dengan Antena Wajanbolic

1. Belum tentu otomatis gratis dan Tidak Otomatis Bisa internetan.

Tergantung disekitar tempat tinggalmu ada penyedia HOTSPOT GRATIS atau TIDAK.

Kalau ada,meskipun agak jauh sekitar 1 – 2 km dan dari t4 tinggalmu dan HOTSPOT Gratis itu tidak terhalang bangunan yg tinggi,pepohonan atau apapun yg menghalangi pandangan mata,kamu bisa “nebeng” internet gratisnya,selama sinyalnya HOTSPOT itu masih dihidupkan.Bila dimatikan ya tidak bisa internetan juga.

Kalau diradius 2 km dari t4 tinggalmu TIDAK ada HOTSPOT Gratis,sia sia kamu bikin antena wajanbolic atau antena apapun.

2. Cara kerja antena wajanbolic sebenarnya hanya memperkuat sinyal wireless dari HOTSPOT yg karena letaknya terlalu jauh,tidak bisa lagi ditangkap oleh “USB Wireless ADAPTER” bila hanya ditancapkan begitu saja di port USB PC atau laptop.Misalnya,tetangga sebelah rumah punya hotspot sendiri dan kamu boleh nebeng internetnya gratis,karena dekat kamu cukup memasang USB Wireless ADAPTER atau USB WiEi Adapter di port Usb komputer kamu.Suatu saat tetangga baik hati ini pindah rumah sejauh misal 1 km dari rumahmu,dan dirumah baru dia juga memasang kembali HOTSPOTnya,dia mengatakan kamu masih bisa nebeng hotspot utk internetan dengan gratis.Secara praktek,tidak mungkin sinyal hotspotnya bisa ditangkap oleh Usb Wifi Adapter di port Usb komputermu,karena normalnya hanya bisa menangkap sinyal dari hotspot sejauh maksimum 50 meter.Agar bisa menangkap sinyal hotspot milik tetangga yg pindah tadi,kamu bisa bikin dan Pasang Antena WajanBolic.Prinsipnya,dengan menempatkan USB WiFi ADAPTER kamu di titik fokus wajan,yg akan memfokuskan sinyal wifi dari hotspot tetangga jauh tadi.

Kalau ternyata sitetangga pindahnya lebih dari 5 km dan tidak ada hotspot gratis lain,antenamu hanya bikin malu saja,ngapain pasang2 wajan di atap.

3. Banyak sekali tutorial membuat antena wajanbolic di internet.Google bisa menunjukkan ratusan dalam waktu 3 detik

4. Kalau malas bikin sendiri,ada yg menjual wajanbolic siap pake kok

Sumber saifulspd.wordpress.com

Temukan semuanya tentang Bisnis & Pasang Iklan : Iklan & Jasa - Iklan Baris & Iklan Gratis – Indonesia

Tofu

Tofu skin also known as dried beancurd, yuba or bean skim, is a Chinese and Japanese food product made from soybeans. During the boiling of soy milk, in an open shallow pan, a film or skin composed primarily of a soy protein–lipid complex forms on the liquid surface. The films are collected and dried into yellowish sheets known as tofu skin or soy milk skin. Because it is derived directly from soy milk, the name tofu skin is technically inaccurate.

Preparation

Tofu skin may be purchased in fresh or dried form. In the latter case, the tofu skin is rehydrated in water before use. It is often used to wrap dim sum.

Because of its slightly rubbery texture, tofu skin is also manufactured in bunched, folded and wrapped forms that are used as meat substitutes in vegetarian cuisine. Tofu skins can be wrapped and then folded against itself to make doù baō (Chinese: 豆包, literally "tofu package"). These are often fried to give it a firmer skin before being cooked further.

Source: www.wikipedia.com

See also: makanan, minuman

Hot Pot

Hot pot (Chinese: 火鍋; pinyin: huǒ guō), less commonly Chinese fondue or steamboat, refers to several East Asian varieties of stew, consisting of a simmering metal pot of stock at the center of the dining table. While the hot pot is kept simmering, ingredients are placed into the pot and are cooked at the table. Typical hot pot dishes include thinly sliced meat, leafy vegetables, mushrooms, wontons, egg dumplings, and seafood. The cooked food is usually eaten with a dipping sauce. In many areas, hot pot meals are often eaten in the winter.

History

The Chinese hot pot boasts a history of more than 1000 years. While often called "Mongolian hot pot”, it is unclear if the dish actually originates in Mongolia. Mongol warriors had been known to cook with their helmets, which they used to boil food, but due to the complexity and specialization of the utensils and the method of eating it, hot pot cooking is much better suited to a sedentary culture. A nomadic household will avoid such highly specialized tools, to save volume and weight during migration. Both the preparation method and the required equipment are unknown in the cuisine of Mongolia of today.

Hot pot cooking seems to have spread to northern China during the Tang Dynasty (A.D. 618-906). In time, regional variations developed with different ingredients such as seafood. By the Qing Dynasty, the hot pot became popular throughout most of China. Today in many modern homes, particularly in the big cities, the traditional coal-heated steamboat or hot pot has been replaced by electric, gas or induction cooker versions.

Because hot pot styles change so much from region to region, many different ingredients are used.

Source: www.wikipedia.com

See also: loewy, table 8, chinese food