Tips Memilih Mobil Pengantin Untuk Pernikahan Anda

Mobil pengantin yang identik dengan meriah dan penuh dengan dekorasi di badan mobil adalah hal yang dapat menarik khalayak sekitar yang melihatnya. Namun bila kita ingin menghemat pengeluaran kita untuk dekorasi mobil pengantin tersebut kita bisa bermain di warna mobil. Berikut tipsnya

Rental Mobil

Carilah mobil di jasa rental mobil, karena pada jasa rental mobil terdapat berbagai macam jenis warna cerah yang mungkin cocok untuk mobil pengantin. Tapi selalu konsultasikan kepada pasangan Anda mengenai warna mobil pengantin yang akan di pilih.

Warna

Carilah warna mobil pengantin yang memang cerah seperti putih, biru, hijau dan warna cerah lainnya karena mobil tersebut akan di gunakan oleh Anda yang sedang berbahagia jadi tidak cocok apabila menggunakan warna gelap seperi hitam, merah maroon, hijau tua dan lainnya.

Mobil

Jika Anda punya mobil pribadi sebaiknya singkirkan mobil pribadi Anda karena jika Anda mengecat ulang mobil Anda itu akan menghabiskan dana lagi, sebaiknya solusi dari saya adalah menyewa mobil pada jasa rental mobil karena pada jasa tersebut kita akan menemukan berbagai macam warna yang cerah dan pas untuk mobil pengantin.

Selamat memilih mobil pengantin.

Tips Menghias Mobil Pengantin Agar Terlihat Cantik

Teman-teman sedang mencari ide-ide segar untuk pernikahan?, bisa jadi untuk persiapan pernikahan sendiri nih, atau mungkin membantu teman atau saudara yg sedang mempersiapkan hari pernikahan, atau buat teman-teman yg bergerak di bidang WO sedang memikirkan ide-ide brilian untuk dua sejoli klien kalian.

Kami ingin berbagi tips dan ide untuk pernikahan, untuk saat ini ide segar yg kami bagikan adalah untuk menghias mobil pengantin. Lihat Mobil Pengantin

Mobil pengantin perlu kita persiapkan dengan baik, karena mobil pengantin akan berguna untuk mengantar kita selama hari pernikahan. Dan yg tidak kalah penting mobil pengantin akan di foto sebagai kenangan foto pernikahan, untuk itu hiasan mobil pengantin sangatlah penting.

Hiasan bunga untuk mobil pengantin memang sudah cukup baik, namun ide hiasan ini telah berusia lama, hal ini dapat terlihat pada foto pernikahan orang tua kita atau foto kakak-kakak kita, yg hiasan mobil pengantinnya menggunakan bunga dan pita melintang.

Pengalaman pernikahan kami, kami mengganti hiasan bunga di depan mobil dengan sepasang boneka beruang bride and groom, yg menggunakan baju pernikahan. Boneka beruang tersebut menggunakan jas hitam dan gaun pengantin putih. Terbaygkan betapa lucunya?! :)

Sepasang boneka tersebut diikat dengan rangkaian bunga dikelilingnya, untuk pengerjaan serahkan saja pada vendor mobil pengantin Anda, mereka ahli dalam menghias, sehingga boneka akan tampil cantik diatas mobil. Sisanya Anda dapat memberi tahu warna bunga sesuai dengan warna tema pernikahan Anda berdua.

Untuk ukuran boneka sangat disarankan disesuaikan dengan jenis mobil pengantin, sehingga boneka tampil sangat tepat dengan mobil. Jenis mobil yg kami gunakan adalah Toyota Alphard silver, dan juga beberapa pasang sahabat yg membeli atau menyewa dari kami, menggunakan Mercedes E-Class .

Cobalah tips ini, dan perhatikan sepanjang perjalanan Anda pada hari pernikahan dengan mobil ini, Anda berdua akan terkesan, karena perhatian orang pada mobil pengantin Anda!. Kami sendiri sampai di foto oleh pengendara motor dengan kamera mereka.

kerockan.blogspot.com

Tips Bisnis Desain Grafis

Desain Grafis merupakan salah satu lahan bisnis yang tumbuh pesat dan berkembang sejak tahun 80-an. dengan perkembangan dunia publikasi, advertising dan visual, desain grafis menjadi salah satu bidang bisnis yang mampu menciptakan wirausaha-wirausahawan sukses terbanyak di Indonesia dan membuka peluang usaha bagi sekitar 100.000 s/d 500,000 tenaga kerja di Indonesia. Bahkan saat ini diperkirakan lebih banyak lagi. Mengingat usaha ini telah merambah jauh sampai ke seluruh wilayah Nusantara.

Desain grafis adalah unik, membangun peluang dan pangsa-pasarnya juga memiliki keahlian tersendiri. hal yang paling pokok bukan berada dalam kategori desain, visual, atau konsep, tetapi terdapat dalam HARGA. dengan terbukanya persaingan dan tidak ada lagi ke-khas-an layanan, saat ini bisnis ini memang dapat dibilang cukup sesak dan penuh. diperlukan pembukaan peluang-peluang usaha yang baru dan segar dalam bidang desain grafis.

ada beberapa point yang saya anggap sebagai kelebihan sekaligus kelemahan bidang bisnis desain grafis. antara lain :

1. Semakin majunya dan mudahnya proses pre-press, serta color separation, sehingga dengan pembelajaran (wayangan) semalaman saja, sudah dapat praktek cetak. paling 2 kali praktek sudah mahir.
2. Infrastruktur komputer dan software juga sudah semakin memudahkan para newbie untuk menjalankan bisnis ini secara atraktif. Untuk kualitas dan otoritas software tidak saya bahas, mengingat hal ini sudah kita ketahui bersama.
3. Desainer grafis saat ini sudah banyak, dan dengan semakin murahnya perangkat komputer, maka semakin banyak juga orang yang berusaha masuk dalam bidang ini.
4. Dengan kecanggihan teknologi cetak dan semakin ekonomisnya harga, juga berpengaruh pada nilai jual produk karena persaingan menjadi sangat ketat.

Dengan demikian saat ini dibutuhkan ide-ide baru yang akan mengembangkan media grafika ini menjadi bisnis yang lebih advance dan lebih memiliki orientasi jelas. Bagi rekan2 yang sudah memiliki konsep untuk bersaing dalam dunia bisnis grafika, saya ucapkan selamat. sebaiknya apapun kiat atau rahasia yang anda miliki dilindungi dan dipagari agar tetap menghasilkan profit serta benefit yang besar. setidaknya menjadi hak anda sebagai seorang pioneer.

4arion.wordpress.com

Keren!! Undangan Pernikahan Berbentuk Game 8 Bit

Sepasang calon pengantin asal Jerman punya ide unik dalam merancang undangan pernikahan mereka. Alih-alih memakai kertas yang didesain sedemikian rupa, sejoli tersebut mengemas undangannya dalam bentuk video game 8 bit yang terinspirasi dari Mario Bros.

Pasangan yang juga maniak game ini merancang 2 karakter yang dinamakan sesuai nama mereka, yakni Darina dan Niko. Kepingan CD game bernama Incredible Adventure itu kemudian dikirimkan kepada keluarga dan relasi sebagai bentuk undangan pernikahan.

Namun untuk mendapatkan tanggal dan lokasi pernkahan berlangsung, semua undangan ditantang keahliannya terlebih dahulu untuk memainkan dan memenangkan game tersebut. Nah kalau mereka berhasil, baru informasi tempat dan tanggal pernikahan bakal muncul di akhir permainan.

Bagi yang terbiasa memainkan Mario Bros, pasti tidak akan menjumpai kesulitan dalam memangkan game itu. Sementara bagi yang jarang nge-game, jangan khawatir sebab game ini diciptakan dengan tingkat kesulitan yang sangat mudah.

Dilansir dari Mashable, Kamis (4/3/2010), pasangan yang merupakan anggota dari Offbeat Bride ini ternyata juga menyediakan Incredible Adventure untuk diunduh bebas, baik melalui Windows atau memakai Wine dengan Linux atau Mac.

pengen dowload game nya juga bisa disini

http://www.g-wie-gorilla.de/nikodarina/incredible_adventure_wedding.exe

sumber:internet

Baju Kebaya dan Asal Usulnya

Kebaya adalah blus tradisional yang dikenakan oleh wanita Indonesia dan Malaysia yang terbuat dari bahan tipis yang dikenakan dengan sarung, batik, atau pakaian rajutan tradisional lainnya seperti songket dengan motif warna-warni.

Dipercaya kebaya berasal dari Tiongkok ratusan tahun yang lalu. Lalu menyebar ke Malaka, Jawa, Bali, Sumatera, dan Sulawesi. Setelah akulturasi yang berlangsung ratusan tahun, pakaian itu diterima di budaya dan norma setempat. Sebelum 1600, di Pulau Jawa, kebaya adalah pakaian yang hanya dikenakan keluarga kerajaan di sana. Selama masa kendali Belanda di pulau itu, wanita-wanita Eropa mulai mengenakan kebaya sebagai pakaian resmi.

Selama masa ini, model kebaya diubah dari hanya menggunakan barang tenunan mori menggunakan sutera dengan sulaman warna-warni. Pakaian yang mirip yang disebut “nyonya kebaya” diciptakan pertama kali oleh orang-orang Peranakan dari Melaka. Mereka mengenakannya dengan sarung dan kaus cantik bermanik-manik yang disebut “kasut manek”.

Kini, nyonya kebaya sedang mengalami pembaharuan, dan juga terkenal di antara wanita non-Asia. Terpisah dari kebaya tradisional, perancang mode sedang mencari cara memodifikasi desain dan membuat kebaya menjadi pakaian yang lebih modern. Kebaya yang dimodifikasi itu malah bisa dikenakan dengan jins atau rok.

sumber:wikikpedia

Review Honda New CBR150R, Tenaga Lebih Ngisi Berkat Injeksi

PT Astra Honda Motor (AHM) memilih memasukan Honda CBR250R terlebih dahulu ke Indonesia pada awal tahun 2011 mendatang, baru kemudian menyusul adiknya Honda CBR150R. Nah, untuk sesi first ride, sebelumnya motorplus.otomotifnet.com pernah ikut menjajal CBR250R di Thailand bersama rombongan Honda, kini sesi giliran melakukan first ride CBR150R yang dilakukan di Jakarta.

Yang pasti buat para pecinta modifikasi motor ini yang masuk Indonesia lewat importir umum (IU) ini, tenaganya lebih baik ketimbang versi terdahulu Padahal, basis mesin yang digunakan sama saja dengan versi terdahulu. 150 cc, 4 langkah, 4 katup DOHC, berpendingin cairan dengan kipas elektrik sebagai pendingin pada radiatornya. Tapi tentunya, penggunaan injeksi bahan bakar PGM-Fi membuat banyak perubahan soal tenaga.


Panel speedometer lebih mungil tapi tetap mudah dibaca, handle di buritan mirip Honda Tiger

Gas dibuka sedikit saja, mesin sudah terasa responsif. Baik diputaran bawah maupun saat ngebut diputaran mesin tinggi. Uniknya, meski responsif, tapi suara dari knalpotnya lembut, tak terasa tiba-tiba putaran mesin sudah menyentuh limiter di 11.500 rpm. Dengan injeksi sangat terasa, tiap perpindahan gigi putaran mesin lebih sedikit turun.

Memiliki diameter piston 63,5 mm dan stroke 47,2 mm, Honda CBR150R ini kompresinya ada di 11:1. Cukup tingga ya! untuk itu pemiliknya harus memberinya bahan bakar beroktan 91 atau sekelas Pertamax.


Tanki lebih besar dan stop lamp serta sein yang sebelas dua belas dengan desain Honda New Mega Pro

Secara desain hampir tak ada bedanya dengan CBR250R, dari head lamp, bentuk fairing, hingga desain tanki dan buntut juga mirip-mirip. Yang pasti si "adik" ini terlihat lebih mungil. lihat juga modifikasi motor

Saat duduk di joknya, terasa lebih tinggi dari versi lama. Meski begitu posisi footstep dan stang-nya masih cukup nyaman untuk tinggi pengendara 165 cm sekalipun. Kaki tak terlalu mundur dan stang juga tak cepat membuat pegal meski posisinya menunduk.

Ban lebar ukuran 100/80-17 di depan dan 130/70 di belakang dikawal pelek ukuran 2.5 dan 3.5 inci juga menambah stabilitas suspensi dan sasis yang masing sama seperti versi lamanya. Hasilnya, dipakai menikung terasa lebih stabil dan tetap percaya diri meski melintasi jalan bergelombang.


Desain cover rantai menyatu dengan spatbor kolong, knalpot pendek tapi gemuk khas Honda VRF1200F

udah Banyak Terjual

Meski tidak masuk ke Indonesia lewat Agen Tunggal Pemegang Merek-nya, CBR150R ini sudah laris manis diboyong penggemarnya. "Sudah banyak yang laku, kalau mau tahu harganya hubungi kami saja," senang Hendrik, pemilik showroom Probike di Jl. Panjang no.88A Kebon Jeruk, Jakarta Barat.

sumber:motorplus.otomotifnet.com

Tips Sewa Mobil Pengantin

Segala sesuatu tentang sebuah acara pernikahan melibatkan transportasi. Yang paling penting dari semua ini adalah momen kedatangan pengaitn. Mereka perlu muncul dalam sebuah mobil yang bersifat elegan dan mencerminkan kepribadian mereka. Pemesanan mobil pengantin yang salah atau satu tanpa perawatan bisa menyebabkan penundaan, interupsi dan yang kurang dari pernikahan yang sempurna. Untuk alasan ini, Kita mungkin ingin melakukan waktu kita untuk mencari dan menbisakan kendaraan yang tepat untuk membuat hari Kita.

Hal pertama yang Kita lakukan adalah jenis mobil yang Kita inginkan. Pilihan Kita akan tergantung pada tema pernikahan. Jika Kita memiliki pernikahan formal atau pernikahan tradisional maka kemegahan akan mengharuskan Kita membaisakan limo. limo adalah elegan, lapang dan akan menampung banyak dekorasi. Jika Kita memiliki tema kasual maka sedan bagus akan dilakukan.

Kita bisa menggunakan internet untuk mencari sewa di daerah Kita dan apa yang mereka miliki di tawarkan. Kita harus memeriksa kendaraan online dan menentukan mana yang akan memungkinkan untuk dekorasi yang rumit. Membuat pikiran Kita pada ukuran, warna terbaik dan model.

Setelah virtual, tur akan waktu berjalan menyusuri agen dan berbicara dengan pemilik. Diskusikan kebutuhan kita dan mendengarkan penbisanya. Karena ia telah berada di bisnis sewa untuk lama ia mungkin memiliki beberapa ide yang akan membuat proses perekrutan Kita menyenangkan.

Periksa catatan layanan dari mobil, asuransi dan SIM. Mengatur mengambil waktu, membahas rute dengan driver dan tahu kapan mobil akan tersedia untuk hiasan. Inforasi lebih tenang mobil pengentin: Sewa Mobil Pengantin

Aneka Kreasi Model Baju Muslim Terbaru

BUSANA muslim bukan lagi sekadar busana longgar untuk menutupi aurat. Dalam perkembangannya, busana muslim sudah menjadi bagian dari gaya hidup masyarakat kota besar.

Dibandingkan dua puluh tahun lalu, sekarang semakin mudah ditemukan perempuan mengenakan baju muslim. Di perkantoran, di kampus, di mal, bahkan di acara-acara khusus seperti pernikahan, model baju muslim terbaru pun menjadi pilihan untuk tampil di depan publik.



”Kondisi ini membuat para perancang busana menjadi semakin bergairah menggarap busana muslim. Dengan jumlah penduduk muslim terbanyak di dunia, busana muslim seharusnya bisa dikembangkan menjadi industri yang besar,” kata Sri Artaria Alisjahbana, pemimpin redaksi majalah Noor.

Kaya kreativitas

Sekarang ini baju muslim di Indonesia tampil dengan begitu banyak kreasi. Banyak variasi dilakukan agar model baju muslim terbaru terlihat indah dan tidak monoton, yaitu hanya sekadar baju longgar yang dikombinasikan dengan celana atau rok longgar. Bahkan, penutup kepala pun sekarang dibuat berbagai macam variasi dengan membuat banyak detail pada penutup kepala.

”Supaya tetap terlihat indah, biasanya perancang bermain dengan kombinasi jenis dan corak kain, warna, serta detail seperti payet, manik, dan batu,” kata Hannie Hananto, salah satu perancang yang ikut tampil dalam acara itu.

Hannie merancang busana muslim sebagai busana kerja dan busana semiformal. Dengan target anak muda, ia memilih bahan kaus yang dikombinasikan dengan jins. ”Sekarang ini sampai usia 40-an orang masih suka memakai jins,” tutur Hannie.

Lenny Agustin malah merancang baju muslim yang benar-benar lain daripada yang lain. Ia merancang baju muslim dengan bahan rajut dan renda seperti taplak.

Lenny menampilkan rok- rok panjang lebar serta kombinasi baju longgar dan celana panjang. Supaya nyaman dipakai, Lenny melapisi rajutan itu dengan bahan sutra dan katun di sebelah dalam.

Untuk penutup kepala, Lenny mengombinasikan topi bundar dari bahan rajutan dengan kain renda berbentuk persegi yang diletakkan di atas topi. Sebagian kain renda persegi itu menjuntai ke bawah sampai ke dekat telinga. Baju muslim rancangan Lenny terkesan ceria karena ia menggunakan warna kuning, biru, hijau dan krem.

Perancang yang sudah lama terjun di dunia busana muslim, Ida Royani, tahun ini mengangkat tenun dari daerah Nusa Tenggara Timur (NTT) untuk rancangan busana muslimnya. Baju rancangan Ida berbentuk longgar yang bisa berkibar bila diterpa angin dengan aksen tenun NTT di bagian lengan.

Untuk bagian bawah, Ida membuat celana atau sarung dari tenun NTT. Sementara untuk penutup kepala, Ida lebih senang penutup kepala yang sederhana tanpa banyak detail. Bagi Ida, baju muslim sangat terbuka untuk dimodifikasi dengan berbagai bentuk gaya.

sumber:kompas.com

Tips Jual Rumah Dengan Mudah

Men jual rumah tidak seperti menjual kacang. Diperlukan strategi yang berbeda agar rumah yang kita jual dapat dengan mudah terjual. Strategi tertentu juga diperlukan agar rumah yang akan kita jual, terjual dengan harga yang pantas sesuai keadaan rumah tersebut. Apa yang perlu anda lakukan sebelum menjual rumah anda? Dibawah ini ada beberapa tips agar rumah yang akan anda jual dapat terjual dengan cepat, mudah, dan senilai dengan rumah yang akan anda jual tersebut.

Yang pertama anda lakukan adalah mengecek kondisi rumah anda, terutama kamar mandi dan dapur. Banyak orang menilai bersih tidaknya sebuah bangunan ditentukan oleh bersih tidaknya kamar mandi yang ada dibangunan tersebut. Calon pembeli akan berpikir bahwa rumah anda dirawat dengan baik jika melihat kamar mandi dan dapur rumah yang akan anda jual terlihat bersih. Selain itu jangan lupa untuk mengecek hal-hal lain dirumah yang akan anda jual, seperti kinerja pintu-pintu, kualitas genting , dan lain-lain.Hal kedua yang perlu dilakukan adalah mengecat ulang rumah anda.

Tentu anda ingin calon pembeli anda tertarik melihat rumah yang akan anda jual, karena itu anda perlu mengecat ulang rumah anda agar rumah yang akan anda jual terlihat bersih dan baru. Banyak rumah dijual dengan perantara. Sebenarnya menjual sebuah rumah dengan bantuan perantara memiliki banyak keuntungan seperti kita tidak perlu repot-repot mengiklankan rumah yang akan kita jual, kita tidak akan direpotkan dalam hal transaksi seperti menentukan harga jual, seorang perantara tentu memiliki jaringan luas, hal ini dapat membantu kita menjual rumah dengan lebih cepat.

Tetapi men jual rumah dengan bantuan pelantara juga memiliki kerugian yaitu kita harus membayar seorang perantara yang tentu saja dengan bayaran yang tidak murah.
Saat anda akan menjual rumah ingat baik-baik bahwa anda menawarkan sesuatu yang mungkin diperlukan oleh si calon pembeli, karena itu jangan berpikir buruk tentang rumah yang akan anda jual.

Berpikirlah bahwa bukan hanya anda yang menginginkan rumah anda terjual, tetapi si pembeli juga butuh untuk membeli sebuah rumah. Buatlah agar rumah yang perlu dibeli oleh si calon pembeli adalah rumah anda.

artikelindonesia.net

Keuntungan dan Kerugian memilih atau Sewa Apartemen

Dijaman sekarang, Apartemen jadi salah satu pilihan tempat tinggal bagi orang kota. Masing masing memiliki nilai plus minus dalam memilih atau sewa Apartemen. Berikut akan di jelaskan mengenai hal ini:

Keuntungan

- Lebih Praktis (Sudah ada pengelola)
- Dekat dengan kantor (Menghindari macet)
- Faktor Keamanan (penjagaan 24 jam dan CCTV)
- Fasilitas dan Sarana Lengkap (fitness center, kolam renang, jogging track, taman bermain, minimarket, restoran, cafe, dan fasilitas lainnya)

Kerugian

- Biaya Perawatan
- Tingkat sosialisasi penghuni apartemen sangat sedikit
- Nilai investasi apartemen untuk jangka panjang lebih rendah dibandingkan dengan membeli sebuah rumah.

Tips Memilih atau sewa Apartemen
- Perhatikan fasilitas apartemen dari sistem keamanan, tempat parkir, ketersediaan air
- Cari tahu siapa developer dan pengelolanya apakah professional atau tidak.

Sekarang keputusan ada di tangan Anda, tinggal Anda yang memutuskan kapan akan membeli atau sewa Apartemen(wk)

Contoh Dekorasi dan Hiasan Mobil Pengantin

Berikut tips dan contoh gambar untuk Anda yang ingin mendekorasi mobil pengantin. Let's Check it out!

Kalo ini kayanya di Thailand, kalo di Indonesia bisa di aplikasikan di Bajaj kali ya :)

Semoga bisa menjadi Inspirasi buat Anda yang ingin dekorasi mobil pengantin nya terlihat elegan dan cantik. Selamat mencoba dan Happy Wedding ^_^(wk)

sumber:google

Questions to ask Interviewer

It would be nice if we can compile a list of questions you can ask your future employer. It should be serious questions that you can actually ask in an interview without blowing your chances of job offer.

To start off, how do I ask politely if the employer is a slave driver? Specifically what kind of overtime would the employer expect?

First of all start with compiling a list of questions you need answered to know if the position is a good fit for you. That one you listed could be asked with "What is the average hours worked? Are there times of the week, month or year that are busier and require overtime?"

I am always looking for ideas about questions to ask in an interview. I do a lot of contract jobs so I usually am interviewing at least once per year (often twice per year). I do research on the company first and prepare a list , but often the person doing the interview does like to go on at length about the department, accomplishments, and the company in-general. Or by the third interview someone has answered all the questions. Or the recruiter/agency fills you in on the details. So I' m looking forward to see what others post about this.

some strategies I use is that if the first person I interviewed with has told me something interesting, I' ll verify it by asking about it at later interviews for the career position. For example if the HR person tells me that everyone in the department has been there for 3 years or more, I' ll ask the hiring manager about turn-over. I' ve uncovered some mixed answers that have sent up red flags that way. I also like to key into the accomplishments or progress the hiring manager usually brings up at some point and then later ask for more information about that. For example "You mentioned earlier that in the past year you have managed to accomplish X. Can you tell me what you believe was the single most important factor or change you made to reach that goal and why it was so important?" I also sometimesask the hiring manager what they feel is the biggest mistake they' ve made in reaching their goals for the department. That one takes more guts to ask (and answer), so I judge carefully if they might take it the wrong way before deciding to ask or not..

How to face second interview

When you have done your first interview then you are called by interviewer to come for the second interview. So what do you do when (and if) it comes up this time? in fact you are really want this job.

What was the reason for being fired? The truth with a positive spin usually works the best. As in quickly what led to the firing and more so what you learned from it so it will not be an issue with them. Make sure they know whatever led to the firing with your last job will not lead to you getting fired again in the future.

Remember, a well constructed lie has many elements of truth in it.
Career Tips

Cross Section of Rich Invested With the Fed

By SEWELL CHAN and BEN PROTESS
Published: December 2, 2010


WASHINGTON — One investor, Kenneth H. Dahlberg, is a World War II flying ace who, as a volunteer in President Richard M. Nixon’s re-election campaign, was a minor figure in the Watergate scandal.

Another investor, Magalen O. Bryant, runs a horse farm in Virginia and is active in steeplechase racing circles. A third, Ward W. Woods, is the chairman of the nonprofit organization that runs the Bronx Zoo.

They were among scores of wealthy but lesser-known investors in an emergency lending program the Federal Reserve announced in November 2008, three weeks after President Obama’s election, to support the market for student, auto, credit card and small-business loans.

The investors, whose identities were disclosed as part of a trove of 21,000 records released on Wednesday at the direction of Congress, are a cross-section of America’s wealthy — investors who, in the midst of the worst financial crisis since the Great Depression, heard about an opportunity and weighed the risk.

The list, not surprisingly, includes famous Wall Street financiers like J. Christopher Flowers, John A. Paulson and Julian Robertson, demonstrating the extent to which the Fed relied on fast-moving hedge funds to keep credit flowing through the markets.

There were also institutional investors like the Ford Foundation and the pension plan for Major League Baseball. And there were wealthy businessmen like the computer executive Michael S. Dell and the home builder Bruce E. Toll.

Investors like Mr. Dell are identified in the Fed’s data because they owned or were part of a group that owned a “material” stake in a company or a fund that received funding from the Fed. They may not have been involved in the decision to borrow from the Fed. Through the program, known as the Term Asset-Backed Securities Loan Facility, or TALF, the investors helped keep markets for consumer loans from seizing up by steadily buying securities. About $71 billion was lent by the Fed out of the $200 billion available. The program, which began in March 2009, ended June 30, 2010; two-thirds of the loans have been repaid early. The remaining ones come due as late as 2015. The Fed has said it does not expect to lose any money in the program.

The investors put up their own money in return for Fed financing that was then plowed into the markets for securitized loans — bundles of credit card or auto dealership debt and student loans. The investors shouldered the risk that the loan packages could lose value and be worth less than the amount they had borrowed from the Fed.

Ordinarily, bundles of loans of this type are not difficult to sell, but after Lehman went bankrupt in September 2008, the market for such debt suddenly froze. The point of the program was to keep money moving through the markets while having investors, not the Fed, bear the risk.

Mr. Dahlberg was one such investor. The newly disclosed records show he was an investor in Broad Creek Partners, which borrowed $28.1 million from the Fed, through TALF, to purchase a portion of a security issued by GE Capital, the financing arm of General Electric. The security was backed by subprime credit card loans. To obtain the loan, Broad Creek pledged as collateral the market value of the security, $30.5 million.

Nearly all of some two dozen TALF investors contacted on Thursday declined to comment or did not respond to messages.

One who did agree to talk was Dov C. Schlein, a former president of the Republic Bank of New York, who estimated that he made a healthy profit, but not a killing.

“Realistically, if you were an early investor you could net 10 percent,” he said. “If you came in much later when the program looked to be successful, then the return dropped to 8, 7, 6, 5 percent.”

Mr. Schlein said he told fellow investors that they should be prepared for their names to become public at some point.

“I told anyone who invested in it at the time that if you’re not prepared for that information to be disclosed, you should not invest,” he said.

Mr. Schlein said he was by no means certain of making money; if unemployment had skyrocketed to 12 percent, for example, he would have expected to lose from huge defaults.

Indeed, when Mr. Schlein told students in his finance class at Baruch College, his alma mater, about the Fed program, some deemed it too risky. A year later, a new group of students said it was a shrewd gamble.

“They said, ‘You got a gift from the Fed,’ ” Mr. Schlein recalled.

Mr. Schlein was an investor in a fund that received 19 loans, totaling $260.9 million, to purchase securities backed by credit card, auto and student loans.

Another investor, Jeffrey R. Krinsk, estimated that he made a profit of about 13 percent, or more than $300,000 on his investment of roughly $2 million, in less than 18 months. “The risk being assumed by investors was generally far less than the risk that was perceived by commentators who hadn’t taken the time to look through the extensive documentation associated with the program,” said Mr. Krinsk, a plaintiffs’ lawyer in San Diego. “It was actually less esoteric, less risky, than other investments I’ve made.”

Many of the investors in the program had backgrounds in finance, including Stephen Partridge-Hicks, who is credited with creating the market for structured investment vehicles, and Robert F. Corvino, who is a director of the CME Group, a major options and futures marketplace.

Many of the financiers, the records show, teamed up, like Jay M. Twery, Walt K. Weissman and M. Blair Wellensiek, who work at Tradelink Holdings, a Chicago trading firm.

Some financiers show up in the Fed data because of their ownership in companies that sought funds from the Fed. In one instance, Mr. Paulson and Mr. Flowers, the financiers, formed OneWest Bank, the successor to the collapsed lender IndyMac, which borrowed from the Fed. Mr. Dell’s investment firm, MSD Capital, is an investor in the bank as well.

Records show that Ms. Bryant, the steeplechase enthusiast, was an investor in Belstar Credit Fund, which obtained 22 loans in amounts ranging from $2.5 million to $75.2 million. Belstar used the loans to purchase securities backed by credit card and auto loans, mortgages and small-business loans. When reached by phone, she declined to comment.

Mr. Woods, who is chairman of the Wildlife Conservation Society, which runs the Bronx Zoo, and a former chief executive of Bessemer Securities, was an investor in the Nebris Corporation, which borrowed $10.2 million to purchase a security backed by student loans. He did not respond to messages left with his associates.

Mr. Dahlberg, a decorated aviator, became prominent early in the Watergate scandal because his name was on a check deposited in an account controlled by one of the burglars. Mr. Dahlberg, who was not accused of any wrongdoing in the scandal and is now a venture capitalist, did not return phone calls Thursday.

Mr. Schlein, the New York investor, said he felt he was helping out the Fed at a critical moment. “The program was well thought-out,” he said. “I thought it was an exceptional program.”

But he also said there was a downside potential. “The risk was that the economy was going to fall off a cliff,” he said.

Sewell Chan reported from Washington and Ben Protess from New York. Jo Craven McGinty contributed reporting from New York.

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5 Tips for Ensuring Your Customers’ Privacy

1. Understand that protecting customers’ privacy is essential to maintaining and increasing sales and profits online.
2. Develop a privacy policy, post it on your web site, and live by your policy. For guidelines, visit three Web sites: www.privacyalliance.org, www.respectprivacy.com and www.privacyrights.org.
3. Put top-notch security systems in place to make sure that customer data is not lost, misused, altered or stolen.
4. Require that third parties with whom you deal provide similar data security.
5. Don’t provide personal information collected from customers to third parties unless you have explicit permission from the customers to do so.

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5 Tips for Domain Naming

By Christine Banning, SCORE VP Corporate Relations


1. Create an online identity. Get a Web domain now, even if you aren't building your site until later.

2. Pick three domain names that fit your business. Your first choice may be taken, so have a few domain name ideas. If your top three picks are available, consider getting all three. It's not too expensive and then you have flexibility to create a site for a special promotion or use a special landing page for an event.

3. Check out domain name vendors. You can register your domain with your choice of vendor. Here are some well-known, domain name registrars:

• Concentric, www.concentric.com
• Network Solutions, www.networksolutions.com
• Yahoo Domains, www.yahoo.com
• GoDaddy, www.godaddy.com
• Domaindirect.com, www.domaindirect.com

4. Keep your renewal current. Don't forget to renew your domain name. Businesses have been known to let a name expire and then find that their Web site has disappeared from the Internet. Don't let that be you.

5. Once you have a domain, name your URL mycompany.com, place your URL on every marketing and business document that you produce. Let your company be known.

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Making Your Mark

Key elements for a lasting impression with your customers
This Week's focus: Unicycles, Foreigners and Free Publicity


My time in the South Island earlier this year was eventful. Amidst the myriad of accents, the flying unicycles, the dizzying altitudes and small armadas of insects, I found very little in the way of normalcy.

Naturally, they were celebrities. From my perch in the support van, I attempted (and often failed) to make myself useful to Connie, the superwoman who held everyone together, and I discovered something wonderful. When people think you're crazy, they're a lot nicer.

I became a hit with everyone I met, in Wanaka one of the riders received a hi five from a passing skater-boarder and went head over heels in mid pedal, I later met the sister of the flatmate of the offending skateboarder at a bar and engaged in a twenty minute conversation while Ken, the tour organizer, waited for the wine I had been sent to order. The riders were immortalized in a million photos from foreign cameras as tourists came to wonder whether this was a regular occurrence in New Zealand.

Reporters came from everywhere to meet the group; interviews were conducted at backpackers, on roadsides and at the occasional café. The jokes kept repeating themselves, I can tell you just about every unicycle joke in existence, and Ken has a bulging scrapbook of press clippings containing each and every one of those awful, awful one liners.

Let me reiterate my point to you though; these people are crazy. They tackled the steepest street in the world on unicycles, one of them punched a glacier (I still have the water from the chunk of ice that fell off), they rode 160km in one day through gale force winds, they even have their own slang, their own community, hell, they've got their own website.


The point?

These people didn't pay a cent for publicity, and everywhere we went I was hearing about them before they arrived. People love a nutter. They love a group of nutters even more. Ken sent out a simple press release, and bang, every newspaper in the South Island wants to meet this loony bunch.

So how can we harness this powerful tool of free publicity and twist it to suit our nefarious purposes? Well…

Gimmicks
Having something just that little bit strange about your business is a great conversation starter, it's a way of getting people laughing, and more importantly, getting them talking. An ongoing gimmick, even better, one that's interactive, is fantastic way to not only get attention, but to build your business a long lasting market presence, it also gives you a base from which to work your marketing, an ongoing theme, adding a consistency to your image.


Events
Organise something a little bit different, sponsor a teddy bears picnic, hold a funny hat day, if you do something a little wild, and then let people know, you'll attract interest, it's a great of throwing your name in a positive light. You can use it to reach out to your market and the people around them and reach them in a way that builds trust, because you took the first step without pushing them to buy. And better yet, you did it will they were laughing.


Press Releases
One of the best ways to get the word out to traditional publications is a press release, it doesn't have to be long, the press release for the SINZ tour was less than half a page, but it detailed when the riders would be in certain locations, what they were doing and generally outlined how funny and bizarre these people truly are. This was more than enough to entice reporters out to meet us as we entered and left towns, and the best part is, they did all the work. Ken, the tour organizer, simply had to email half a page to fifteen or so newspapers, and the word got round. People were talking about us days before we got to them, and you only had to mention a unicycle before people knew who you were. And what did it cost? Not a thing.

So be a little funky, and let the people come to you.

Wealth, Success, and Unicycles,

- Bridget Hughes

Bridget Hughes is a member of the team at www.learning4ever.com, a resource for business owners and entrepreneurs. She also works as a marketing consultant and webdesigner, and has a bad habit of getting into odd situations.

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Employee Motivation: Key To Company Success

By: Jimm Chris

Imagine this: You're the owner of a seat MNC company that produces seating for wheelchairs, auditoriums, and cars. You have approximately 100 employees, 90 percent of which are upholsters, sewers, gluers, and material cutters. The other 10 percent are office staff. Basically, you have a diverse group of employees, each with different jobs, concerns, and needs. The big question is: How do you motivate all of these people?

Treat your employees in a good way and your company will turn out well:
If you are a smart business owner, you will realize that employee motivation at the workplace is vital to a company's success. If your employees don't appreciate their bosses, their job, and their company, then your business will not thrive.

Your employees must WANT to work at your company. They must have pride in their career, as well as the outcome that they are making. This about it this way: If your employees truly believe in what they are doing, they are most likely going to output a high-quality product in as promptly a manner as possible. In the end, your customers will benefit from this. Your company will benefit from this. And your employees will the gain from this. Success is truly a chain reaction that begins and ends with employee motivation.

Put yourself in the shoes of your employees:
So how do you get your diverse mix of employees motivated? Why would anyone want to wake up at 7 AM five days a week to sew material to make seats for wheelchairs?

Would you get up to do this if, hanging above your department, you saw photos of the disabled people using the seats you stitched? Would you get up to do this if you were able to voice your ideas for new seats to your boss and to the whole company in weekly meetings? Would you get up to do this if you were given pay incentives or other types of rewards for the number or quality grade of seats you got done in a month?

If you answered yes to even one of these questions, then you would be considered a motivated employee. At least one of these things would have challenged you and would have given you reason to come in to work.


Think about some vital points that enhance employee motivation:

• Every employee wants to feel appreciated in some way.
• Every employee wants to be given some sort of proof that what he or she did bettered the world, the community, or just the company in some sort of way.
• Every employee wants to feel that his or her opinion is at least heard - whether or not it is actually used. Having the opportunity to voice an opinion and bring new ideas to the table is a constructive thing for both an employee and a company.
• Every employee wants to be rewarded for a job well done. It is understandable that large raises and elaborate prizes cannot always be available. But sometimes a simple acknowledgement from an owner or a boss can mean a great deal.

As a business owner, or as a boss, understand that one wants to work hard only to end up feeling unappreciated in the end. In a corporate world where money and power appear to mean success, it is key to remember that without good employee motivation at the basic level nothing else would be possible.

Visit my blog at How To Get Motivated by clicking the link to read more articles on ways of getting motivated.

Build A Team

Claudia Brown talks about how building the right team will help your organization. Learn how picking the right people and creating the right environment can do wonders for your workplace.


Build a Team - The Right Team (There is a Difference)

Creating the right team is imperative to your success. A team is comprised of people who can bring necessary skill sets to the venture. A team is different from partners. Partners are financially and legally tied to the venture while team members are brought in to create and continue the process. Team members can be employees or sub-contactors.

These are people you can control - you get to pick them. You can use their services for as long as you like. If they don't work out as planned, you can find a different team member or you can find a place on the team where this person can be more effective.

Creating the right environment for the team is equally important. People will give their best when they feel that their services are being valued and that they are entrusted with producing a part of the success of the venture. Team members must have the same values as that of the venture and they must follow the same code of conduct consistent with your desired outcome. They must truly want the venture to be a success and feel that they are a part of that success. They must do their job well with the other team members.

Differences are encouraged only if they are presented in a positive fashion, recognizing the efforts of the others. Each team member must give more than they are asked for in their areas of expertise. This does not mean extra hours; it means do your jobs with heart and soul, working with the creative minds flowing, working with a positive mental attitude, and working together with the others so that all are winners.

What ideas do you have that will create a positive, successful team? How can you create this team and have each person feel that they are as important a part of the success of the venture as you are? Study successful entities to find out how they treat their team members. Find out what motivates team members in successful entities to keep them successful - is it money, power, trust, fear, etc.? Thinking these things out before you create the team will help you in putting together the right team for your venture.

You should write out all the positions of your team and keep updating it as you grow as when you grow you will need to change out some positions on your team. This is a big mistake that people make as they grow. They keep the same team members that were effective when they were small and they do not re-evaluate the need for replacing members who have not grown to levels where they are now needed. Therefore the overall team growth is limited by the lack of ability of one or more members. Just like upgrading your peer group, always be open to and active in upgrading your team members.

You must strive to place the right people on your team. This goes for all positions you pay for, including lawyers, accountants, advisors, sub contractors etc. Be clear on what is a must upfront and make the positions open as specific as possible.

If you are just starting out then make your team as simple and complete as possible. Just be sure that your team members are able to excel and have knowledge in the industry and direction you are going in. The last thing you want to do is to have to micromanage your team members. If you find you are doing so you have made a mistake and replace them right away.

Your team members must be proactive to your needs and outcome. If not replace them or place them in a position where they can be more effective. Please always keep in mind that in most cases you are paying for their services in one manner or another. Never pay a team member 100% upfront for their services as this always gives them something to aspire to. Placing the right team members in the right place will make your endeavor soar.

About the Author:

Doug and Claudia Brown use their 40 plus years of business building experiences to educate people on how to create six figures or more in 24 to 36 months or less. For more information, see their website at www.whatisyourplan.com

macam-macam masakan jepang

JEPANG memiliki banyak ciri khas, termasuk dalam tata cara pengolahan serta penyajian makanannya. Ada pakem yang mereka pegang, berbeda dengan dunia Barat.

Masakan Jepang (nihon atau nippon ryori) adalah makanan yang dimasak dengan cara unik yang berkembang di Jepang, juga menggunakan bahan yang diambil dari wilayah Jepang dan sekitarnya. Menu seperti sushi, tempura, shabu-shabu, dan sukiyaki merupakan contoh Japanese food yang populer di luar Jepang, termasuk di Indonesia. Makanan orang Jepang berbeda-beda menurut zaman, tingkat sosial, dan daerah tempat tinggal.

Begitu juga dengan cara memasaknya. Mereka banyak meminjam cara memasak dari negara-negara di Asia Timur dan negara-negara Barat. Namun khusus untuk bumbu, masyarakat Jepang memiliki bumbu khas seperti dashi (kaldu) yang dibuat dari konbu, ikan, dan jamur shitake, ditambah miso dan shoyu. Disantap dengan cara barbeque (grilled) atau shabu-shabu (steam), menu Jepang yang biasa didominasi oleh sayuran dan daging ini terasa lezat dinikmati saat hangat.

Ada yang menganggap makanan yang mengandung daging sapi tidak bisa dikatakan sebagai makanan Jepang karena kebiasaan makan daging baru dimulai pada zaman Restorasi Meiji, sekira 130 tahun lalu. Namun, itu bukan masalah. Menu sukiyaki dan gyudon yang berasal dari daging pun baru ditemukan setelah restorasi. Alhasil, orang Jepang mengklaim makanan ini berasal dari negaranya.

Berbeda dengan masakan negara-negara lain, makanan Jepang sama sekali tidak menggunakan bumbu berupa rempah-rempah dari biji-bijian (merica) atau penyedap yang mengandung biji (seperti cabai) yang harus ditumbuk. Masakan Jepang juga tidak menggunakan bumbu yang berbau tajam seperti bawang putih.

Kacang kedelai merupakan bahan utama makanan olahan dan penyedap yang digunakan biasanya berupa sayur-mayur beraroma harum yang dipotong-potong halus atau diparut. Masakan Jepang umumnya rendah lemak, tapi mengandung kadar garam yang tinggi. Masakan Jepang mengenal lima bumbu utama yang harus dimasukkan secara berturutan sesuai urutan sashi-su-seso yang merupakan singkatan dari gula pasir (sato), garam (shio), cuka (su), shoyu (seuyu: ejaan zaman dulu untuk shoyu), so (miso).(Koran SI/Koran SI/ftr)
sumber: okefood
Lihat juga: Chinese food