Kota Bunga Cipanas - Weekend Trip

Cipanas is located not far from Jakarta. It is only about 1-2 hour drive from Jakarta. However, if you caught in traffic, you might spend 3-4 hours. If you have been visiting Puncak, then Cipanas is right after Puncak if you drive from Jakarta. Cipanas usually becomes a top pick for Jakarta residents to have a weekend hang out. Located near pucak makes it is a cold place especially during mornings and nights.

What interesting in Cipanas is mostly because the villa complex or subdivision. Many developers build an exclusive subdivisions that are bought by middle and upper class to have a rest house in Cipanas area. Kota Bunga for example. Kota Bunga subdivision is designed with different architecture designs from around the world occupying a huge subvision in Cipanas. In weekend, you will find a lot of families, especially, with children are enjoying walking around this exclusive subdivision. They have even have many playgrounds with different designs to enjoy.

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Discrimination for Bad Credit Rating People

It is a fact that Credit Rating is considered important for Americans. Once you have a bad credit rating, it is difficult for you to take another home loan, personal loan or even to apply for credit cards. Every time you want to apply for new credit cards, the financial institution will ask your credit rating. Once it is considered bad credit rating, they will not consider your application anymore.

If you think that the world are against you, it is normal because most of financial institution takes an extra careful steps to avoid bad debt. However, there are still some financial institution that can give you a second chance. They will consider your credit card or other loans application even if you have bad credit credit cards. This is your change to improve your credit score. After getting approved, try your best to pay on-time to have a good credit rating.

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Why I just know it now? Adidas Batik

2 days ago, I got an forwarded email about this Adidas Batik. What really interest me is how Adidas incorporate the batik design into sporty look. Batik is usually related to something traditional from Indonesia. But Adidas really makes it stands out for batik sporty looks.

I was looking at the images and it was written small below the image "FRESHMAG.COM". Curious of those adidas batik product, I was opening the site. To my surprise, that site was talking about these adidas batik products on October 2006. Whheeew... it is sooo old products... but why I just knew it now? Freshmag site was referring to a link in overkillshops. I really wanted to know the price and if it suits my budget, I would like to have the cap and jacket. Unfortunately, I was not able to find the products anymore even if I have searched their archives.

Well, I tried gooling a while but with no luck to get the prices. If some of you know where I can check the price and order these adidas batik product, please let me know. Thanks!

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4 More Years To Pay My Mortgages

I am not a bit updated with financial news, but last month news were populated with the down of stock that were caused by mortgage related problem in US. Why does it affect the stocks? I just assume that problematic of mortgage payments showed an indication of slower market in the region.

It reminds me about my house mortgage that I am currently paying monthly. It is still going to me an expenses for next 4 years. So far, I am always on time in paying my Commercial Mortgages. And I am assuring to have saving at least to pay my 6 next payments in advance. Just to make sure that If I am forced to leave the company immediately. This will give me take to find new job without big pressures.

I was reading a new related to home owners were treated unfairly on mortgage news. What interesting about that article is some mortgage companies still charge fees for customers that already in bad credits. How can they afford to pay more fees that in the first place they have been having problems paying the mortgage? To be objective as well on the topic, I have seen that some people really put their income to the limit. Taking Commercial Mortgages without properly plan the income and expenses can be quite a burden in the long run. We are always going to face some unexpected expenses like medical bills, education bills, etc.

My point is that plan ahead and wise about your mortgage, so that you can still enjoy the travels like me :D

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Bromo and Semeru Mountains

In celebration of Indonesia Visit 2008, I would like to share my journey before to Bromo and Semeru. It is one of my memorable experience if I might tell you honestly. I was really exhausted to do the trip but it paid off after looking the scenery there.

Bromo is located in East Java. If you travel by air, you need to land in Surabaya city and continue with land transportation to Ranu Pani Village. The village is small but full of facilities because it is well known for tourist spots in East Java. From the village, you can visit the view deck where you see the Bromo mountain with 2329 meter altitude and at the back of it, you can see the Semeru mountain with 3,676 meter altitude. Semeru mountain is the highest mountain in Java island.

If you want to take a closed look at Bromo and Semeru volcanoes, you need take a 4WD jeep to reach there. Make sure you consult first with the local government for the safe time to visit because Bromo and Semeru volcanoes are considered an active volcanoes. When traveling to approach Semeru (called as well as Mahameru), you would find interesting sites and scenery to enjoy. It was a good visit for me.

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Shopping Cart for Online Store

Recently, I was contacted by one of my friends who wants to setup his online store. He has been having a furniture store and really eager to expand the business online. He is one of the smart friends I have and I know that he can learn to build his online store.

However, I recommend him not to build the site by his own. It will take a precious time for him to do these details while he can focus on other things. I was telling him that building the sites could be easy, but to integrate the shopping cart and to resolve technical problems (if any) could be time consuming. Not to mention that the Search Engine Optimization method that he should implement.

There were many ecommerce software available online and affordable. This software comes with shopping cart that is integrated to the site. It will be time saving and my friend could focus on marketing the product online.

One example of shopping cart software is Ashop. Ashop gives total solution from site template that we can personalized, free emails, shopping chart, and the most important is 128 bit SSL checkout security. Security is one of the top priority to kept the customer fell safe doing online transaction.

In addition, the vendor gives full fraud alerts and web promotion services for the site. I tell my friend to give a try on this product. At least he can try the 10 day free trial to test if it fits of what he plans to have in his online store. If he likes it, he can start investing on the total solution in affordable monthly payment and focus on the product marketing instead of building the online store.

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Lembang Tea Walk

Year 2008 is the year of Visit Indonesia. Most of tourists know Indonesia because of Bali. However, there are many other places worth visiting in Indonesia. In you are business man and visit Jakarta, I could mention some areas near Jakarta that you could visit on weekends without traveling to far from Jakarta.

One of the place is Lembang. Lembang is near Bandung, it is about 150km from Jakarta. With the Cipularang High Way, you could reach it easily in 2 hours. Lembang is well known for it's nature scene. You can enjoy the beauty of tea plantations. You can ask around to find some waterfalls in Lembang. It is worth visiting to chill out and escape from your daily routines.

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