Tag : guestpost - Asep Haryono | Memahami Tingkat Persentase Tahunan Dengan Kalkulator Online - Powered by Blogger

APR adalah singkatan dari Annual Percentage Rate. Pada dasarnya, ini berarti biaya pinjaman yang sebenarnya. Ini termasuk tingkat bunga ditambah semua biaya tambahan. Biaya Tambahan biasanya mencakup poin, suku bunga prabayar, biaya pemrosesan pinjaman, biaya penjaminan emisi, biaya persiapan dokumen, asuransi hipotek, biaya pengajuan pinjaman, biaya penutupan, dan biaya kepemilikan.

APR tetap kontroversial karena setiap pemberi pinjaman hipotek Kalkulator Persen. Pemberi pinjaman, bankir, pialang hipotek, dan peminjam mudah bingung dalam perhitungan. Secara hukum, pemberi pinjaman hipotek harus memberikan atau kalkulator persen APR kepada peminjam atau pemberi pinjaman.

Langkah-langkah untuk menghitung tingkat persentase tahunan (APR) - Jumlahkan semua biaya tambahan..

- Hitung pembayaran hipotek bulanan..

- Hitung APR Kalkulator Persen total biaya tambahan dan pembayaran hipotek bulanan.
Pembayaran hipotek bulanan.
Misalkan pemberi pinjaman hipotek meminjamkan $ 250.000 dengan tingkat bunga 6,5%, 2 poin diskon, dan biaya tambahan $ 1.200 untuk hipotek 30 tahun, pembayaran hipotek bulanan reguler sama dengan $ 1.580,17. Pembayaran sama dengan P berarti pokok, r berarti tingkat bunga, dan n berarti jumlah periode. .
Dengan poin diskon dan biaya tambahan disertakan, pembayaran hipotek bulanan efektif Anda sama dengan $ 1619,36. Pembayaran Efektif sama dengan P berarti pokok, a berarti biaya tambahan, d berarti poin diskon, r berarti tingkat bunga, dan n berarti jumlah periode..
Tingkat Persentase Tahunan (APR).
Sekarang, perhitungan Tingkat Persentase Tahunan sama dengan 6,75%. APR sama dengan P berarti pokok, a berarti biaya tambahan, d berarti poin diskon, dan r berarti tingkat bunga..

Tag : guestpost - Asep Haryono | Indonesia's 2020 Biking Craze Explained - Powered by Blogger

Look into any bicycle shop in Jakarta and you will find that bikes are either sold out, or the store representative is too busy to answer you - either because they have a lot on their plates answering orders or they are too busy repairing bikes. If you're wondering why this is, this is because Indonesian's are abandoning malls and taking up cycling as their new pastime.

In 2020, data gathered by the Institute for Transportation and Development Policy stated the rate of bicycle use has increase by 1,000%, as quotedintheStar news. Oddly enough, not too long ago in early 2019, journalists were expressing their disappointment at how little attention was given to the cycling community and how Jakarta and its municipalities was not a bike and pedestrian friendly city.

PichayadaPromchertchoo, from Channel News Asia, explicitly expressed her concerns on this. However, in 2020 attention towards cycling has made a 180-degree turn, as now almost every household in Indonesia owns a bike and is actively using it. More and more people are slowly shifting their hobbies towards biking, and the root of the cause might be a little more abstract..

Sukarno enjoyed frequent rides on his bike 1938 – 1942.
Photo source : aiya.org.au

Cycling has been in Indonesia before it was even a country.
To understand the cycling craze in Indonesia, it is important to briefly understand the history of cycling in Indonesia, and the role it played pre-independence..

In Tetske T. Van der Wal's novel, "I thought you should know", she documented her grandparent's life in the Dutch-East Indies and partly praised the Dutch for their ideas. She posited how influential the Dutch were in introducing first world inventions to the East Indies. Clever Dutch engineers, as described by Van der Wal, introduced roads, bridges, railways and of course, bicycles, and subsequently velodromes..

The bicycle was first used in Indonesia by the Indies military, but it was quickly used for other activities as a means of getting from point A to point B. There was however, a catch to it..

A caveat of cycling for Indonesians was that they were limited to wealthy Dutch aristocrats. Bikes were expensive, prestigious items and it was a symbol of wealth and power that could only be enjoyed by a small minority of rulers. Fast-forward to the 50s, the Dutch had already pulled out of Indonesia, but left behind their technology. Due to the political climate at the time,

Sukarno had banned Western products from entering Indonesia, including European and American-made bicycles. But that in turn left a vacuum, and the market for locally made bikes were filled by Chinese-Indonesians, as stated by the website 'Bike for Dad' of Chungkalong University, Thailand..

Bicycles started losing popularity in the 60s and 70s, with the introduction of motorbikes and cars. They started going out of fashion and were no longer a convenient mode of transport. What was once a state of the art invention was no longer àla mode. The problem is that Van der Wal's grandparent's didn't realise just how big a craze cycling would be 80 years later..

In Syaiful Afif's research paper "The Rising of Middle Class in Indonesia: Opportunity and Challenge", he predicted in 1998 that there would be 85 million people in the consuming class in 2020. He was right. Indonesia's middle class has money to spend more than ever and this arguably has helped spur at least one industry: bicycles..

Despite no more car-free days for the time being, more people are biking than ever before. The answer to this phenomenon: Coronavirus. With new restrictions on how many people can sit in a car and malls closed, people have started coming up with new ideas on how to tackle boredom and spend their money.

In addition, the roads are also quieter. There is also a consensus that cycling more will keep you fit, and being fit is a good way to combat the coronavirus - even though research shows otherwise.

Pollution levels have also dropped to an all-time low, according to data by IQAir. Recent data showed that Jakarta's air had an Air Quality Index (AQI) of just 74 on average (July, 2020). All these factors came together nicely and thus resulted in the new biking fad..

Cycling now has seen an emergence and it is quickly becoming Indonesia's favourite past time. But the reasons go beyond than just a "past time" to do when teenagers are bored, or when office workers are idle at home..

What's different to then and now? Cycling has changed to become a form of identity - it is a way for individuals to feel like they are part of a community and have a sense of belonging.

The uniforms that some groups wear when they ride are comparable to that of Harley Davidson Groups, or even more extreme groups such as gangsters of the West coast of America and the Punk subculture. It symbolises a form of companionship, just like any other sports team. It is an unwritten agreement to ride together and be friends..

Much like how cycling was associated with status, wealth and power during the Dutch colonial period, it has re-emerged to have its own branding, not necessarily about wealth, but about health, fitness, companionship and solidarity - which are important values to Indonesians.

The filter known as social media has helped spread these values to younger Indonesians, which in turn spread to other groups and this is where we are today, and much like how everyone has a different Harley, everyone has their own unique bike, which may tell a story about the person themselves..

This is why cycling has had a more powerful presence, because we live in times where we lean on each other for support rather than being individualistic. Helping one another has mattered so much more recently and cycling acts as a channel to express these ideas of solidarity.

It is also an activity that appeals to everyone, something not just for rich aristocrats, however, we do take bicycles today for granted but we should remember that bicycles were perceived at one point in time as first world technology being introduced to the new world.

What we regard today as a primitive form of transportation, was once considered a marvellous feat of engineering. Right now, it is uncertain whether or not this hype will continue, or if it will once again be a remnant of history, a mere fad that was "fun at its time", but never taken seriously..

As much as I love writing about bikes, I am also a passionate writer for the Australia-Indonesia Youth Association. There, you will find a variety of articles covering multiple topics about Indonesia & Australia. Visit AIYA to see more of our work at [https://www.aiya.org.au/blog/]..

Article Source: http://EzineArticles.com/10334356.

Tag : guestpost - Asep Haryono | New Survey Reveals What Americans Rely on Most - Powered by Blogger

the term survey is usually confused with the term observation in everyday terms. In the case of the two terms have different meanings, although both are interrelated activities. According to Webster's dictionary, the notion of survey is a certain condition that requires certainty of information, especially for those who are responsible or interested.

ou may be surprised to learn that, when asked to consider the items they can’t live without, Americans rank toothpaste and their toothbrush almost as important as the internet and cell phones, according to a recent study. A new survey on reliability from Cooper Tires is based on data from a survey of 2,000 U.S. adults.

The survey drills down into what Americans rely on most in their daily lives, with some interesting findings. In order to smoothly navigate your day-to-day, it’s likely there are a few key items, whether you really think about them or not, that we all count on to work in order to get things done.

Image source getthematic

The reliability of these items

the fact that they consistently perform well – is critical to our day-to-day and impactful on our emotions (both positive and negative) and yet we don’t stop and think about, much less celebrate, the value these items bring to our everyday lives.

Cooper is built on providing quality, reliable tires for drivers since 1914, and understands the value of being a reliable partner for everyday life, whether celebrated or not. And many of the items that Americans named as their top 10 aren’t lauded on a daily basis – but maybe they should be.

Items in the study were ranked according to rational and emotional responses, with these subscores combined to determine the overall reliability scores.

RANKINGThe survey found that Wi-Fi/the internet earned the top ranking for reliability followed by cell phones, but somewhat surprisingly, a toothbrush and toothpaste were third overall. Wi-Fi/the internet scored highest not only on the regularity of use and quality but also contributed highly to both happiness and anxiety – implying that this technological marvel causes a range of emotions, from giving users joy, while at times plummeting them into stress.

This ranking also showcases how ubiquitous Wi-Fi/the internet and cell phones have become for people of all ages and backgrounds. The humble toothbrush actually scored higher on the happiness subscale than laptops, sunglasses, or even makeup.

Also ranking high for rational responses are cars and their tires. Cars scored fourth overall, with tires sixth, but on the emotional subscore, personal vehicles were second-highest, showing that Americans still love their cars, and value reliable tires to get where they need to go, as well as to keep them safe.

Even when the survey findings were divided into subgroups by age (Gen Z, millennials, Gen X, baby boomers, and the Greatest Generation), personal vehicles beat out ridesharing."While high-tech products and advancements are exciting and buzzworthy, it’s much more routine items that we look to and rely on to get through our day," notes Jessica Egerton, director of brand development at Cooper Tire & Rubber Company.

"This shows a clear distinction between the things that are nice to have – such as fitness trackers and tablets – and things that are a critical necessity for most Americans in navigating their every day – such as a personal vehicle."The remaining top 10 items are shampoo, credit/debit cards, glasses or contacts, microwaves, and live TV.

While no food items made the top 10, coffee was the top consumable item, in 12th place, followed closely by chocolate in 14th place (laptops took the 13th spot).

Interestingly, although both coffee and chocolate scored higher on the rational subscale than the emotional, chocolate not only scored significantly higher among women and Gen X, the chocolate had the largest gap of any item between anxiety and happiness on the emotional subscale. It would appear that chocolate brings consumers joy, but does not cause them stress. Enough said. Visit cooperreliabilitystudy.com for the full survey results. 

Tag : guestpost - Asep Haryono | Protect Your Work With Copyrights - Powered by Blogger

Copyright protection is to be had for original works of authorship which are constant in a tangible shape, whether published or unpublished. The categories of works that may be protected by copyright legal guidelines encompass artwork, literary works, stay performances, pictures, movies, and software programs.

It's crucial to take into account that copyright regulation covers the "form of cloth expression," not the real principles, thoughts, strategies, or statistics in a specific work.

This is the cause at the back of why work has to be constant in a tangible shape to be able to accumulate copyright protection. A couple examples of works being steady in a tangible form embody testimonies written on paper and unique artwork on canvas.

Image source thebalancesmb

What exactly is a copyright? Literary works, musicals, artwork, sculptures and other creative works are generally concern to copyright protection. A copyright protects the shape of expression, as opposed to the subject depending on the expression. There must be some element of creativity and originality inside the paintings.

What can I do with my copyright? The proprietor of a copyright has exclusive rights to reproduce copyrighted works, put together spinoff works, distribute copies, carry out publicly and/or display such works.

How can I protect myself? The judicial regulation allows the safety of "authentic works of authorship fixed in any tangible medium of expression... ". Now you may ask, what makes something an "original design"? "Original" is a manner that the creator adopted without the exact reproduction of someone else's work and that there are at least a few minimal degrees of creativity.

There virtually need not now be any formal registration that will "protect" your work. So, why do people genuinely register for a copyright? Formal registration is required to enforce your copyright. This is the manner with which you will have a registration with the copyright office which will visit court docket to enforce your copyrights. It is needed to stop someone from infringing your work.

Furthermore, a proper copyright registration allows you to sign in the copyrighted work, which can be in a position to forestall infringing works.

I want to copy somebody else's stuff. Can I? It's excellent to be authentic. However, there are some restricted times wherein you can use someone else's paintings, and that is in which the Fair Use Doctrine comes into play.

This is a complex and fact-based evaluation. Generally speaking, if you are criticizing a chunk of labor, commenting, news reporting, teaching, or growing a parody, then you'll be capable of using the elements of a copyrighted work. Safest guess: get permission from the copyright owner to use a piece of their work. And recollect, simply giving attribution to the original author is not sufficient to keep away from claims of copyright infringement. (Written by Madhavi Nagargoje - EzineArticles.com)

Tag : guestpost - Asep Haryono | The Pet Boost: Furry Friends Help Seniors Feel Less Lonely - Powered by Blogger

Many older adults experience feelings of loneliness and isolation as they age, but pets can provide the companionship and love seniors desire. A new survey conducted by Home Instead, Inc., franchisor of the Home Instead Senior Care Network, found regular interaction with animals can help to reduce feelings of isolation and loneliness in older adults.

The most frequently cited benefits of pet ownership are a company, comfort, unconditional love, entertainment, and improved mood. In fact, 86 percent of pet owners agree they would be lonelier and less happy without their pet, and 58 percent agree that they would not be as physically healthy without their pet. 

Image source carrothealth

The companionship and love provided by a pet can be especially meaningful for those most at risk for isolation. Home Instead found that pet owners who live alone are significantly more likely to report increased benefits of pet ownership.

Owning a pet can also be an important factor for seniors deciding where they will live as they age. According to the survey, 82 percent of older adults say they will not consider moving to a senior living community without their pets.

While interaction with animals has been shown to improve mental and physical well-being in older adults, research from Home Instead confirms that seniors don’t need to own pets to experience the benefits.

Those who regularly interact with, but don’t own, pets report feeling better just spending time with animals owned by family, friends, and neighbors. There are many ways seniors can interact with animals without taking on the responsibility of pet ownership.

Here is a few ideas:* Volunteer at a rescue organization or animal shelter. Many rescue organizations and animal shelters could use an extra hand. Seniors can help provide care for animals, including feeding, watering, restocking supplies, washing dishes, walking dogs, cleaning cages and enclosures, or socializing with the animals.

Volunteers experience the benefits of interacting with pets, and they can provide some care to an animal in need.* Get to know your neighbors’ pets. Seniors who regularly walk their neighborhoods will likely see pet owners walking their dogs.

Asking to join them for a walk might lead to new friendships with neighbors and dogs.* Connect with a therapy animal. Pet Partners therapy teams, made up of a pet owner and his or her registered animal, go into many locations where seniors are living or being treated, such as hospitals, hospice centers, and care communities.*

Visit a pet store. Some pet stores sell small animals, such as guinea pigs, hamsters, chinchillas, gerbils, mice, rats, certain geckos, bearded dragons, snakes, and specific types of frogs, birds, and fish. Visiting can provide a pet fix! With so many options available, finding the right animal interaction for each individual should be as easy as a walk in the dog park.

To help older adults determine what type of pet interaction is right for them, the Home Instead Senior Care® network is offering free information and tips to help seniors incorporate animals into their lives. To learn more about how older adults can bring animals into their lives, visit PetsandSeniors.com or contact your local Home Instead Senior Care office or www.homeinstead.com.

Tag : guestpost - Asep Haryono | Why Do Some People Hurt Others? - Powered by Blogger

Every human being seeks happiness, even if happiness maybe something different for each of us. When babies are born, they all intuitively cry when hurt and smile when loved or pampered. Some of them later choose pain over pleasure. Why?

Children's natural instincts lead them to love and care.

When a child is born, the kid's natural and intuitive response to loving gestures and affection is a positive one while the response in case of pain or neglect is crying and sadness. This is the natural response in all children, no matter what their origin, ethnic group or social class.

Most of them will also treat those around them the same way they are treated themselves. If love is what they get, love is what they give. Unless something terrible happens, children grow up responding the same way, loving others first. Unfortunately, that is not always like that. Some children are exposed to certain experiences in their early years that teach them to treat other human beings in some other ways.

When children hear threats and see physical dominance as a regular part of their days, such behaviors can become the norm, the example to imitate and copy. If their role models usually insult, criticize, or make fun of others, that is what they will learn and aspire to do.

They will slowly change their innate reactions by gradually convincing themselves that their reality is as should be, even if their innermost feelings seem to contradict what they see others doing. Little by little, the first impulses that lead those children to smile and loving when being smiled at and loved, dwindle, and change because their experience teaches them that those reactions are not OK.

By observing those around them, those whose behavior is their example, they start controlling their intuitive responses and adopt new ones that are more similar to the ones they observe in their immediate environment.

Image source nlc

Most abusers and bullies learn their behavior from their elders.

Unless there is an alternative behavior to make them question what they see, many of those children will take the example they have in front of them to be the norm.

They will consider abusing others the logical way to be adults. They will understand relationships to require a violent, aggressive discourse. They will expect submission from others if they are to be what they should. Some will adopt the opposite view, true; that of the victim or victims, the only second role they witness in their early years. In this case, they might grow to display similar behaviors, too.

By the time those children are exposed to other models, their early beliefs are already established and strengthened. It will not be until they are much older than the other alternatives become visible or accessible to them. By then, they will reject them because their convictions are already quite firm.

They will reproduce their learned behavior and step on others to gain admiration or preponderance, without even considering that there could be a different way. Let's not forget that, to them, that is the norm.

Most bullies, abusers, tyrants and racists are created this way. They only follow the lead they had in their early years. Unquestioned in their convictions for quite a few years, they were never really given a different chance.

Society needs to offer children, alternative role models, to change learned patterns of abuse.

If society is to change, if violence and aggression are to become the exception instead of the norm, alternative roles should be present in all children's early years.

If negative role models are to be overruled, more positive ones need to be experienced to offer those children the opportunity to question the first ones. Only by making a general, society-wide effort will we be able to uproot those deep, engrained beliefs that travel from generation to generation and perpetuate violence against other, weaker human beings.

Where an abusive parent displays dominance, a young child should be exposed to loving, respectful parents in other families. When witnessing a harsh, critical, insulting discourse, the child should hear others treating their equals with love and respect, maybe from those around, to counterbalance the model the child has.

When an adult abuses other weaker ones, the child should also see how other adults protect the victim and question the abuser. Only then will our society change; when those little children whose beliefs are being settled now are given the chance to adopt and preserve their natural instincts to love, support, and care for others like they first felt upon birth.

It's time to stop the dissemination of abusive roles.

Abuse and violence will not be eradicated by policies, rules or laws. They will not be eliminated from society through treatments and therapies. The only real way is through education, by offering our youngest alternative models that will prevent them from replicating destructive and aggressive behaviors. The effort needed is a global, society-wide one.

No adult should look the other way in the presence of children when inappropriate behaviors are displayed. No adult should laugh when others are being ridiculed or made fun of. All adults should make it their goal to share positive and respectful relationships so that little witness are given a chance to adopt them, too.

No violence should be fought with greater violence. There's no need for that. If we consider that all human beings are born to enjoy being loved and cared for, why not make it a world movement to prevent as many children as possible from changing their beliefs just by offering them an alternative?

That's all it takes, really. When societies publicly display that powerful message of support and care, most children will be exposed to it. It's time to stop looking the other way or to enjoy the show. It's time to lead our younger generations in a more positive direction. Enjoy life... ALL of it, (Written by Jessica J Lockhart - EzineArticles.com)

Tag : guestpost, Keseharian - Asep Haryono | Discover the Potential Immune-System Benefits of Vitamin D - Powered by Blogger

Launch Healthline, vitamin D is a fat-soluble vitamin. The main benefits of vitamin D to help the absorption of calcium. When calcium is well absorbed, bone can grow optimally and be firmly steady. In addition, vitamin D is also useful for maintaining the immune system, digestion, blood circulation, and nerves.

A healthy immune system is important at all times, but especially so in these days of the novel coronavirus and heightened awareness about the spread of germs.

You can support a healthy immune system by eating well, getting plenty of sleep, and exercising. Supplements with vitamins that support the immune system, such as vitamin D, may help, too. Sunlight remains a key source of vitamin D, but supplements may be increasingly beneficial as people are less able to get outside. This is especially true for those who live in the northern hemisphere. 

Image source Health Kompas

Vitamin D has the science to back up its potential as an immune- system support. In 2017, the British Medical Journal published a meta-analysis of 25 studies in which vitamin D showed the potential to protect against acute respiratory tract infections, especially among individuals who were also deficient in vitamin D.In addition, Dr. Tom Frieden, former director of the Centers for Disease Control and Prevention, said in an interview with Fox News in March that taking a multivitamin containing vitamin D or a vitamin D supplement was good practice for overall health, and it certainly couldn’t hurt when it comes to helping to boost immune resistance to infection.

However, not all vitamin D supplements are created equal. A vitamin D supplement must be easily absorbed by the body in order to provide much value. Many vitamin D supplements offer poorly absorbed forms of vitamin D in doses far too low to replenish a vitamin D deficit, much less offer therapeutic benefits for the immune system.

It’s best to choose a supplement that includes vitamin D3, which is the most easily absorbed form of vitamin D, as well as Vitamin K2, such as the supplement produced by Lively Vitamin Co. Their product, Solar Power, combines vitamins D3 and K2 to provide the body with maximum therapeutic value.

This combination improves total absorption rates and utilization in the body.A blend of these two vitamins is engineered to help promote a healthy immune system and cardiovascular health. But the benefits don’t stop there. Vitamin D3 supplements like Solar Power can also help the body absorb calcium and build stronger bones to help prevent osteoporosis. Vitamin D even plays a role in regulating mood and helping to reduce seasonal depression.

However, be sure to check for possible drug interactions with any prescription medications you are taking before you take vitamin D or other supplements. For more information about vitamin D and other ways to improve your health and boost your immunity, visit findyourhealthyplace.com

Tag : guestpost - Asep Haryono | Arousing Admiration: The Charm of Hummingbirds - Powered by Blogger

The charm of hummingbirds is most certainly apropos and "a charm" of hummingbirds is actually factual! Yep, that’s right, the collective noun for these unique creatures – just like a gaggle of geese or a flock of birds, is a charm of hummingbirds. 

Since the definition of the noun ‘charm’ is "the power of giving delight or arousing admiration," one doesn’t need to be a wordsmith to see how right that is.

Image source wbu

Hummingbirds are charming. And there are over 330 varieties of the species, Trochilidae, which is their biological family name and they’re found in the Western Hemisphere. When one sees a hummingbird, it’s a stunning, stop-in-your-tracks sight.

Their brilliant throat color is actually a result of the iridescence in the arrangement of their feathers, not color pigment. Light level, moisture, angle of viewing, and other factors all influence just how bright and colorful their throats may appear. Perhaps you’ve heard them, too – the name hummingbird comes from the buzzing sound of their fast-flapping wings.

Hummers are migrant birds, so although many stays close to the Equator, lots of varieties travel this time of year, so there may be a ‘charm’ coming to your backyard soon.

If you have the desire to see one up close or are curious about how to attract them to your yard, the folks at Cole’s Wild Bird Feed Co have got you covered. First, they figured out the engineering of an elegant, deceptively simple, easy-to-use (and easy-to-clean!) feeder.

The patented Hummer High Rise has a clever design that offers a stress-free position for your charming guests to get their fill, a fantastic 360-degree vista, all the while keeping other unwanted creatures at bay.

For example, there’s an ant moat that stops the armies of industrious workers who’d love to get some sweet nectar, from beating a path to the liquid food. The genius is, it’s an actual moat, with nothing but H2O keeping the ants at bay, so while it does its job, it doesn’t do harm. Nice! A charm magnet.

The second definition for the noun ‘charm’ is a small ornament worn on a necklace or bracelet. Hummingbirds weigh on average the same as a nickel, so while you’ll want to wear a replica from the jewelers, Hummers can be your own garden’s jewelry all season long.

And in return for their arousing your admiration, they’ll feed on those annoying garden insects and pests. For their small size, hummers eat a lot. They are voracious eaters, feeding on mosquitos, gnats, spiders, aphids, and other six-legged creepy crawlers.

But, besides pests for protein, their primary ‘food group’ is nectar, which they get in by flitting from flower to flower and using their long beaks and equally long tongues to get their fill. All that flitting is exhausting!

Since hummingbirds drink up to half their body weight a day of nectar you can help them out by keeping your High Rise fully stocked, for a one-stop fill of their favorite nectar treat. 

Let’s not leave out the definition of the verb, "charm," which is to "delight greatly." If you want these Disney-esque caricatures to delight you on a regular basis with their wonder – and bring their distinctive song to your yard – there is something you can buy: the creme de la creme of what these charmers crave: Nature’s Garden from Cole’s.

By identifying and harnessing the nutrients of the hummer’s favorite wildflowers, and tapping their vast store of wild bird knowhow, Cole’s has created the next-best-thing to actual flower nectar – a proprietary formula that’s far and away from a cut above your ‘garden-variety’ sugar water.

Nature’s Garden is a healthy, all-natural alternative to homemade syrup, no mixing and no boiling required. It comes in an eco-friendly soft pouch; just shake and pour. You’ll be delighted with how easy it is to keep your hummer feeder filled and overjoyed at seeing hummers frequent your yard.

Your neighborhood hummingbirds will love it, so they’ll keep coming back.A brief postscript: a natural predator to the hummingbird is the praying mantis.

Despite their equally small size and saintly appearance, they feed on our fascinating feathered friends and are a real threat (and a protected species), so if you find a mantis hanging around your High Rise, take care to evict it gently, to a lower piece of real estate and keep hummers safe.

Tag : guestpost - Asep Haryono | Easiest Way to Immigrate to Canada - Powered by Blogger

Canada is one of the few favorite destinations of immigrants and this is due to the fact that it leads in the "Liveability ranking". The country offers the best healthcare, safety, education, culture, and environment and more to be in the best place to live. The easiest way to immigrate to Canada for those who desire to is through the Canada Express Entry program, which is a new system introduced in 2015 to manage immigration to Canada on skilled work experience.

Image from workmigrateabroad

The Express Entry system allows you to become a permanent resident in Canada easily under the following programs:

• · Federal Skilled Worker Program
• · Federal Skilled Trades Program
• · Canadian Experience Class

Moreover, the Provincial Nominee Program (PNP), under which a province or territory nominates a candidate, also works under the Express Entry system.

How does the Express Entry work?

To apply through the Express Entry system, you have to:

1. Have your Express Entry profile online
By providing details such as your skills, language ability, education, work experience, and other relevant details. Once the information provided in the profile is found to be eligible, you will enter in the Express Entry pool.

2. You are ranked in the pool using the Comprehensive Ranking System (CRS) depending on the skills and experience, education, language ability and other factors provided in your profile. Where you score the highest, you are invited to apply for the specific program within 90 days of the invitation.

How to immigrate Canada under a Provincial Nominee Program (PNP)?
Canadian provinces and territories have their own immigration programs and eligibility criteria to choose skilled or semi-skilled workers under the PNP. Where you want to migrate as a provincial nominee, you need to possess the necessary skills, work experience, and education so that you can be a part of the community that contributes to the growth of the respective province and country. However, the nomination guidelines change based on the province you are applying for and the nomination can be:

· Under a Non-Express Entry Stream, where you are required to go through a paper-based application process and confirm your eligibility and nomination from a particular province or territory.

· Under the Express Entry Stream of a province, where you have to satisfy the requirements and minimum criteria for the Express Entry. However, you are required to meet at least one of the immigration program requirements the system covers.

Eligibility Requirements for Skilled Migration Programs
As a skilled worker or professional, you can easily migrate to Canada under the Federal Skilled Worker, Federal Skilled Trades, and Canadian Experience Class programs easily if you meet the following minimum eligibility requirements.

Work experience: For any of the three programs mentioned, you need work experience of a minimum of one year or two years, either full-time or part-time of equal amount in the last ten, five years, or three years. Your skilled work experience must be in the relevant job featured in Skill Type 0, or Skill Level A or B on the National Occupational Classification list.

Language Skills: Meet the language skills for speaking, reading, listening, and writing required in English or French.

Education: An educational qualification of degree, diploma or certificate that can be either a Canadian or foreign educational credential from or equivalent to a Canadian secondary or post-secondary school if you are applying for the Federal Skilled Worker program. Financial Status: You need to prove that you have sufficient money to support yourself, as well as your family in Canada. (Written by  Sanjayai Kapoor -EzineArticles.com)

Tag : guestpost - Asep Haryono | How to Help a Woman on Crack - Powered by Blogger

A friend you know is having a hard time. Finances are low, the children are fighting and screaming and above all, her husband wants a divorce. She is on the point of cracking apart. How do you help her? Read on to find out. 

Image source dreamstime.

Look for the fastest way to pick one side and rectify it. The others will also come into line.

Here goes:

Hire a nurse, first of all, to check up on your friend. Combined with the nurse, you do everything to help her come back to her senses without letting her break down again.

Then buy the children's ice cream and candies and ask them to behave. Tell them there is a crisis in the family. They should all help each other, not fight and scream. Their parents are depressed. Help them to cheer up by consoling them. Their mother has especially gone hysterical. They should behave well and look after their mother's wellbeing.

Then make an appointment with a relationship counselor. Persuade both the mother and father to give counseling a last try before moving on with the divorce. Understanding and compromising with each other is the key. Ask them if they can make makeup and carry on. By any means, send them for a counseling session.

After taking care of these things, show the family how they can expect a steady flow of income.

You can teach both the parents the hacks of online moneymaking. Show them the trustworthy sources and hence, the flow of income.

Next, ask them of any other particular interests of their own so that they could carry on as the main source of income. Help them with resumes and cover letters and encourage them to apply to the positions of their choice in a particular niche.

Check on your lady friend. 
Tell her everything is going to be fine. There is no reason to freak out.
You have been loyal to them advising them, bombarding them with information and helping them out financially, and establishing for them steady sources of income. Additionally, you have provided for them a nurse and a relationship counselor on top of everything, which they shouldn't forget.

Hopefully, with your generous help, the family will stick together, survive, and thrive. The woman of the family was in pretty bad shape. Credit yourself completely to bring her back to life.

Bringing blessings to a family will result in you being blessed by the universe. So there is no loss - only gains. That you have helped a woman on crack is fully acknowledged by the universe which conspires to give you something big in return. Wish on a shooting star and your burning desire might yet fall on your shoulders.

Visit the family after a month and have a chitchat with your female friend. She will probably want to repay your big favor with some honest token of love and appreciation. Take it whatever it is and it may be the very thing which you have always desired. Life has strange ways to repay your sincere and committed motives.

Rosina S Khan has authored this article. For a wealth of free resources based on stunning fiction stories and academic guides, amazing self-help eBooks, articles, and blogs, all authored by her, and much more, visit https://rosinaskhan.weebly.com. You will be glad that you did. (Written by Rosina S Khan - EzineArticles.com)

Tag : guestpost - Asep Haryono | Guide to Elderly Love - Powered by Blogger

If you are elderly and are looking for that special person that will complete you, you will be pleased to know that there are literally millions of seniors in this country that are searching for elderly love as well.

You don't have to be alone anymore, and you don't have to settle for someone that you aren't going to be happy with as a spouse. You will be able to meet many people that are searching for acceptance and love if you are able to follow the guidelines in this article.

The first thing you need to do when searching for elderly love is to put yourself in a position that you can meet new people. You have many options. If there is a class about a craft you are interested in taking, not only will it help you meet new people, but they will share an interest with you that will give you something in common.

Image source churchpop

will be very important when you start talking with them. If you don't feel comfortable in this type of situation, you may want to try an online senior dating service.

By using a dating service, you will be meeting other seniors that are also looking for love. This will take away some of the awkwardness and also some of the fear of rejection. By using a dating service, if the person isn't interested in you, they just won't contact you instead of having to tell you.

When you are looking for elderly love, you will find that appearance is important. You should look as though you are able to take good care of yourself and a spouse. By projecting this air of confidence, people will naturally be drawn to you and they will find it easier to talk with you. You will also want to practice smiling at people. By smiling, you will help break down any walls that would make others feel uncomfortable talking to you.

When you are ready to find the elderly love of your life, you will be embarking on a grand adventure. Be sure to view your search as something that will revolutionize the way you see life, and you will find that your joy will help others to like you more.



Author Bio
Author: Sweeonn


For More Tips and Resources, pls visit Supermodelfashion organization. http://www.supermodelfashions.com and http://www.darlingforever.com(Multi-language -- Chinese, Jerman, Japan, Korea, English, Portugal, Spain, Arab, France)


Source: ArticleGeek

Tag : guestpost - Asep Haryono | problem Being An Affiliate - Powered by Blogger

By: The love Shop

Many people will generally have problems of not earning enough money by their affiliations, well I'm here to help. If you have been doing the internet thing for some time and are thinking what's the use well good news all those hours of trial and error are leading to something.

You know in yourself when you read all those articles on making money instantly on the net that perhaps it's true. That's what many of these affiliate companies rely on to get your hard-earned dollar.

Image source Amazon Associates

The Truth is there are systems that you can actually make money and not even have to worry about outlaying a cent all it will take is time. That's right not to be to smart about it but I spent many hours combing the net to find the one system that did it all well I have.

The best thing about using this free system is IT's FREE and it's a high-quality system that will make you money.  What many paid systems do is provide you the tools to succeed and leave you on your lonesome.

But what about a free system that provides everything a paid system does plus much more.

1. Manuals
2. Website Templates
3. Help
4. Design services
5. Advice


Make Money with residual

Most affiliates start with Amazon or eBay but please consider alternatives many of these offer higher returns and better support but there is marketing that can help you succeed without lifting a finger that is residual income.

That's right you want to earn forever or as long as the customer is signed up so that Every time that customer pays their monthly membership fee, you get paid. Honest! It's called residual affiliate marketing and it can be an amazing way to make money from home on your website. So if someone remains a member of a site for some time then you get a cut off there residual fees.

The best way to maximize this profit stream is to choose the best affiliates with the highest income that do residual earnings.

Residual marketing can be an absolute gold mine for some web users. It doesn't happen automatically though, you'll need to make sure you link to quality products and services if you expect people to use them again and again and in fact does require some well-targeted work to succeed.

So the truth is to make money online you have to do a couple things, one is choosing the right program, spend each spare moment working on your site and promoting it and then make sure you update it regularly. That's right and with only time you to can succeed give it ago today and sign up now.


Author Bio
Wayne Morris Writes for Make You Rich - his articles are generally found around the web specifically designed to help people make money.

Article Source: ArticleGeek 

Tag : guestpost - Asep Haryono | Should You Buy Cakes Online Or At A Local Bakery Shop? - Powered by Blogger

We all love eating cakes. If you don't know how to make a cake, you can learn it. But if you don't have the time to learn how to bake, you have another option: you can buy one at a local store or at an online store. Now, you might be thinking about which option is better for you. This article will help you make the right choice.

Image from Harvest Cakes

As far as convenience is concerned, buying online is a good idea. Of course, you can buy a cake at your nearby store. Without any doubt, you can enjoy tons of benefits if you opt for the second route. Let's take a look at some of the benefits.

Multiple flavors

• Fresh cakes for each order
• Quick and secure ordering system
• The option of booking orders before an event or occasion
• Cakes with unique flavors

the biggest benefit of buying cakes online is that you can buy those designs and styles of cakes that can't be found at a local bakery. Of course, you can buy the basic varieties at any store. However, if you need something special or something original, you have no choice but to choose a special seller. And your best bet is to opt for an online seller.

Aside from multiply varieties, you can also enjoy different types of cake fillings and toppings. As a matter of fact, you will be amazed at the unique combo of flavors that you can choose from at an online store.

For a special event or occasion, you can order your desired cake from the comfort of your home You can also send those cakes to your loved ones using the seller's online delivery service.

If you want to decide whether you should buy online or at a nearby bakery, you may want to consider the following points.

• Your budget
• The number of cakes you want to order
• Frequency of order
• Quality of cake

Taking the above points into consideration is really important, especially if you are on a budget. If you are on a tight budget, buying at a local store is a better option. In this case, buying online may be a bit expensive. On the other hand, if you are a baker and you want to order a lot of cakes on a regular basis, then ordering online is a great idea. These cakes will be of high quality and versatile. So, your customers will like them a lot, which will grow your business even more.

An online service will deliver high-quality cakes. As a matter of fact, they will be far better than the ones you can buy at a regular bakery shop. Their cakes are properly designed and baked. The fillings and toppings are delicious. Often, the combo of flavors is much better than the basic cakes you can find in any market.

Long story short, we hope that this article will help you make the right choice when it comes to buying cakes for a special event or occasion. For New Year Gifts Hyderabad, Shopt2Hyderabad is a great service. They offer cheap Cakes Home Delivery Hyderabad. (Shalini M - EzineArticles.com)

Tag : guestpost - Asep Haryono | The Health Benefits of Shared Laughter - Powered by Blogger

There is a blessing in the joy of shared laughter. Try it: get cartoons or jokes that pop up on your computer every day, share a joke you got via e-mail or talk to friends and co-workers about the funny scene in the latest hit movie. Laughter will lower your blood pressure, calm your pulse, and generally help you and your friends and family to release a lot of stress. Experts on healing now say that laughter and humor, hope, and happiness are an important part of any healing process.

The benefits of laughter are numerous and the existence of frequent, warm laughter in your relationships indicates that all is going well, and gives you both confidence that problems can be overcome.

Image from dailymail co uk

If something frustrating is happening, try easing the tension with a bit of humor to change stress to silliness. Don't poke fun at your mate, but use shared humor as a way to say "I know this is tough, but we'll get through it." Your mate will think of you as someone soothing and helpful to have around when problems happen, because you represent fun and happiness to each other.

A lighthearted approach to serious matters often is the most productive one. Imagine what your days would be like if you focused on having fun and making yourself and your partner laugh.

Fun is also good for your health: Telling your partner the cute thing your kid said (or your pet did) or watching a funny movie or TV show will lower your blood pressure, calm your pulse, and generally help you release a lot of stress.

Laughing with your partner is good for your heart gives you a little bit of aerobic exercise, and reminds both of you about how good you are for each other. Shared laughter also syncs up your emotional rhythms, which makes it easier for you and your partner to feel connected and intimate with each other.

Loving, shared laughter also enhances self-acceptance. The paradox seems to be that having permission for child-like play also gives permission to be responsible and self-accepting.

When you don't make nasty jokes or cruel remarks about each other and your love and make silly ones instead, you can laugh with each other, and feel good about it. It's also difficult to store up resentment against the person in your life who makes it easiest for you to laugh. Try if and soon you'll find yourself looking for ways to make each other laugh Try pushing your partner's "laugh buttons" and tickling his or her funny bone and you'll see how much fun it is.

Instead of treasuring old grudges, and hurts, learn to treasure old jokes and funny lines. Shared laughter can evoke an overwhelming feeling of warmth and care for each other. The endorphins released by mutual humor flow through both of you, and create joy. Humor is the secret in both keeping your love fresh and alive, and in feeling confident that you will not lose your specialness to each other.

The less you struggle, the more you'll laugh and play. The struggle can become addictive and be used in relationships to structure time; but when you replace the drama of struggle with the delight of humor you can create positive addiction; and a powerful solution for what to do with your time together. (Written by Tina Tessina - EzineArticles.com)

Tag : guestpost - Asep Haryono | Women and Cancer: Safeguard Your Future Fertility - Powered by Blogger

The healthy tissue is a very important human, especially for healthy reproduction. fertility may be the farthest thing from your mind when you’ve just received a cancer diagnosis, but it’s the right time to think about your future family. Cancer treatments can affect your ability to get pregnant or carry a baby to term. Ask your doctor about preserving your fertility before your treatment begins.

Understanding how treatment may affect your fertility is the first step in assessing your options for fertility preservation. Chemotherapy can damage eggs, the sacs holding the eggs, and the production of sex hormones. Radiation therapy has similar effects, sometimes causing irregular periods or halting them altogether.

Image source Independent co UK

Both treatments can cause infertility immediately or years down the road by inducing early menopause. Premature menopause occurs when a woman’s menstrual cycles end before she turns 40. Surgical treatments removing both ovaries will cause menopause right away. Cancer treatment can also affect a woman’s pregnancy. For example, high-dose radiation to the pelvic area can increase the danger of miscarriages and premature births.

Regardless of the treatment they receive, women diagnosed with cancer have options to protect their fertility. Standard fertility preservation methods include embryo banking, shielding the pelvic region during radiation, and ovarian transposition – when surgeons secure the ovaries in a position away from the radiation field.

The standard treatment for uterine or ovarian cancer is the removal of both ovaries and the uterus, but some women with early-stage cancer that has a low risk of spreading may be able to keep their ovaries. Women with early-stage cervical cancer may choose to have only their cervix removed and keep their uterus and ovaries.

In the future, more options will be available. Researchers are exploring experimental fertility preservation methods such as egg banking and ovarian tissue banking.

Women who undergo cancer treatment can often have a child in the future, but it’s important to know the risks ahead of time. Consult your doctor or oncologist about your chances of success. Or ask your doctor to recommend a reproductive endocrinologist, a fertility specialist. Learn more at savemyfertility.org

Tag : guestpost - Asep Haryono | Be Healthy by Choosing the Right Nutrition - Powered by Blogger

Good nutrition is always a basic need for everyone. For children, nutrition is very important because it determines the process of growth and development. Meanwhile, for pregnant women nutrition is very important in order to maintain the growth and development of the fetus and body health.

One very important thing is folic acid for pregnant women. But, what are the benefits of folic acid itself? Before a more complete review, also visit the following page: www.guesehat.com/nutrition-and-multivitamin-for-pregnancy

Minimize the risk of heart disease
The heart is a very important part of the body. It is from the heart that blood flowing throughout the body is regulated so that you can move comfortably. When heart health is disrupted, your body will feel its effects instantly so that it can lead to death.

Ilustrasi dari Internet

To minimize the risk of heart disease, a healthy lifestyle is clearly an absolute requirement that you need to do every day. But not only that, consumption of folic acid can also be an option if you want to minimize the risk of heart disease. Therefore, folic acid with Vitamin B12 is able to help the heart by reducing blood clotting and minimizing blood clots. So, the risk of heart attack can be prevented and you can live a peaceful life.

Prevents depression
To maintain health, there are various things we can do. Maintaining a healthy lifestyle by diligently exercising and maintaining food intake is clearly a very important thing because it can prevent the body from disease. In addition, you also need to maintain mental health by avoiding stress or depression.

Overcoming depression is a way to have a healthy body naturally. Because, when we experience stress, various diseases can enter and threaten the health of our bodies. Preventing depression itself can be done in various ways, one of which is eating foods with high folic acid. This is inseparable from the level of folate that is believed to be able to maintain healthy brain function and also prevent depression.

Besides fulfilling food for fetal development and knowing the benefits of folic acid, also know the latest health information that you really need. Also provide important medicines in your home by getting them by buying medicines online

Disamping memenuhi makanan untuk perkembangan janin dan mengetahui manfaat asam folat, ketahui juga info kesehatan terkini yang sangat Anda butuhkan. Sediakan juga obat yang penting di rumah Anda dengan mendapatkannya dengan beli obat online


BAHASA INDONESIA


Sehat dengan Memilih Nutrisi yang Tepat

Nutrisi yang baik selalu menjadi kebutuhan pokok setiap orang. Bagi anak-anak, nutrisi sangat penting karena begitu menentukan proses tumbuh kembangnya. Sementara itu, bagi ibu hamil nutrisi sangat penting guna menjaga tumbuh kembang sang janin dan kesehatan tubuhnya. Salah satu yang sangat penting adalah asam folat untuk ibu hamil. Tapi, apa sajakah manfaat dari asam folat itu sendiri? Sebelum diulas lebih lengkap, kunjungi juga laman berikut ini ya www.guesehat.com/nutrisi-dan-multivitamin-untuk-kehamilan

Meminimalisir risiko penyakit jantung

Jantung merupakan salah satu anggota tubuh yang sangat penting. Dari jantunglah darah yang mengalir ke seluruh tubuh diatur hingga membuat Anda bisa beraktivitas dengan nyaman. Saat kesehatan jantung terganggu, maka tubuh Anda akan merasakan dampaknya secara instan hingga bisa berujung pada kematian.

Ilustrasi dari Internet

Untuk meminimalisir risiko penyakit jantung, pola hidup sehat jelas jadi syarat mutlak yang perlu Anda lakukan sehari-hari. Tapi tidak hanya itu, konsumsi asam folat juga bisa menjadi salah satu opsi apabila Anda ingin meminimalisir risiko penyakit jantung. Sebab, asam folat dengan Vitamin B12 mampu membantu jantung dengan mengurangi pembekuan darah dan meminimalisir gumpalan dalam darah. Jadi, risiko serangan jantung bisa dicegah dan Anda pun bisa menjalani hidup dengan tenang.

Mencegah depresi

Untuk menjaga kesehatan, ada beragam hal yang bisa kita lakukan. Menjaga pola hidup sehat dengan rajin berolahraga dan menjaga asupan makanan jelas jadi hal yang sangat penting sebab dapat menghindarkan tubuh dari penyakit. Selain itu, Anda juga perlu menjaga kesehatan mental dengan menghindarkan diri Anda dari rasa stress atau depresi.

Mengatasi depresi merupakan jalan untuk memiliki tubuh yang sehat secara alami. Sebab, saat kita mengalami stress, berbagai penyakit bisa masuk dan mengancam kesehatan tubuh kita. Mencegah depresi sendiri bisa dilakukan melalui berbagai cara, salah satunya adalah mengonsumsi makanan dengan kandungan asam folat yang tinggi. Hal ini tak lepas dari tingkat folat yang adekuat dipercaya mampu menjaga fungsi otak agar tetap sehat dan juga mencegah depresi.

Disamping memenuhi makanan untuk perkembangan janin dan mengetahui manfaat asam folat, ketahui juga info kesehatan terkini yang sangat Anda butuhkan. Sediakan juga obat yang penting di rumah Anda dengan mendapatkannya dengan beli obat online