Industry: Ginger drink that makes Fit!

More nutritious drinks attractive and wanted by the community. Because many people who care about healthy living. One of the much-loved beverage that is made ​​from natural ingredients such as turmeric. Seger felt fit to arouse.

Traditional herbs though occasionally underestimated proved to have tremendous benefits, especially for the body. One is ginger that in today’s modern society is rather difficult to find. Moreover, to process them into something delicious to eat is not something easy.

But now it seems we’ve been spoiled with the development of technology. Some of the cottage industry and the process has been a lot of ginger into the drink ‘decent’ consumption. In the sense of not only the packaging is attractive but it is also more delicious and fresh to be consumed daily.

The one that produces the drink ginger is Eve Inti Indonesia (Hawaii), located in Banyuwangi – Bali. Where the production of ginger drinks packaged in glass bottles in Sari Rasa Temulawak label. Besides this drink was commonly found in the form of an instant.

This drink is made from extracts of ginger, sugar, and other spices. Moreover, this ginger drink now can be enjoyed like other bottled beverages which in cold conditions. There are so many benefits that can be enjoyed after consumed as increase appetite, prevent colds and so forth.

Now Is The Time To Invest In The Brazilian Real Estate Market

Brazil property prices currently present an attractive investment opportunity for foreign investors due to a number of factors. With Brazils currency currently standing very weak against the British pound and the US dollar, investors are enjoying house price bargains that are very rarely seen in Brazil.

According to a number of currency experts the Brazil Real has weakened against the British pound and the US dollar by approximately 28% over the last 12 months (June 2011 June 2012). For instance, during the summer of 2011 foreign investors could get 1.56 Reals for each US dollar, however, in todays market, investors can expect to get two Reals per dollar.

Waseem Saddique comments: What this means in terms of house prices in Brazil is that a house that cost approximately 200,000 Reals back in 2011 would have cost $128,205 in US Dollars. In todays market the value would be around $100,000.

Based on these figures alone, the strength of the British pound compared to the Brazilian Real, means that for British investors looking to invest in Brazil property it is in fact even more affordable and therefore, a much more attractive proposition.

Although many would perceive a weakening currency to be a negative issue, from a positive perspective the declining value of the Brazilian Real means that Brazilian products are much better value for money, which has encouraged phenomenal growth across the Brazilian industry sector.

In turn, the growth of Brazilian industry increases the level of Tourism to Brazil, with tourists attracted to Brazil to buy up cheap products. What this means for the Brazilian Real Estate Market is that commercial property becomes attractive to investors.

With tourism comes the need for hotels and holiday homes and foreign investors are willing to snap up bargains on private and commercial properties and land plots in a bid to take advantage of Brazils lucrative real estate market.

In 2011 alone, Brazils Ministry of Tourism reported 5.4 million visitors to the country which is an increase of 5.3% from figures produced in 2010. On the back of this growth, a number of massive hotel chains have bought land and property across Brazil in order to cash in.

This level of investment has meant that Brazils construction industry and Housetech Development companies have also seen growth in the levels of work available to them.

Estate Planning Tips

An estate plan is something that nobody gets excited about doing and they are a lot of work and stress. The stress of knowing what to do to make the process go smoothly is enough to scare people; however, with a good attorney, estate planning is not something you need to fear and worry about anymore. In the mean time, there are some tips you can do to help minimize the stress.

1.The first thing you can do is determine what each person gets from the estate. When preparing your will, specifically mention who gets what and do not leave things generic or up to chance; when you leave things up to chance in estate planning , that is when you get fights over things. Make everything as specific as you can. If you forget to prepare a will, then the state will do that for you and then that can be a real problem. 2.List a guardian for children under 18 and pets. Consider someone you trust to take care of the child or pet and has the means to do so. If you know their parenting style, even better. 3.Arrange the finances for your child after your passing. Arranging for the finances for your child will alleviate the pressure of deciding how the child will be financially secure after you pass. By stating what your child gets, you prevent the child’s inheritance from being locked by the state and untouchable. 4.Specifically state how things should be spent. If you want certain amounts of money to be given to someone for a specific reason, then say that in your will. Again, leaving things up to chance leaves room for disagreement. For example, if you want to leave X amount of dollars to someone to be spent on college, then say that so the recipient cannot spend the money on something else. 5.Keep a current list of your assets and documents. Keep list of everything you owe, everything you own, including digital files products. This will be a pain to do but it will make a huge improvement in the process when your estate is being distributed to the recipients. 6.Review and revise your will. Just because you make a will once does not mean you are done. As time goes on, take a look back to your estate plan and determine whether or not everything is still good to go and if anything needs to be revised.

Preparing Your First Apartment 4 Critical Tips

Moving into a new apartment can be as stressful as it is exhilarating. The move can be due to a positive change in your life a new job, a new partner, graduating from college or gaining independence or a not-so-positive change. In any case you should view your new apartment as a great opportunity!

This guide can help you prepare for your first apartment:

Make sure you can pay for your apartments rent You may have significant savings now but consider getting an apartment that will allow you to pay your rent and still be able to save. You should not get an apartment that will wipe out a huge percentage of your income. You want to make sure that you dont struggle with the monthly rent because sooner or later you will deeply regret it. You should also take other expenses related to apartment living into consideration while apartment shopping. Consider the utility costs, food, transportation and other costs you will incur when you move into your new apartment.

Think before you sign the lease Make sure you understand the terms of the lease and really think about your decision before you sign on the dotted line. It can be tough to break a lease with the traditional grey box apartments. You do not want to lose money just because you decide one day that the apartment does not fit your lifestyle. Evaluate how an apartment will meet your needs before you decide to close the deal.

Make a list of the things you need/want in your apartment This will help you prepare for your move. The list can be very helpful when people ask you what they can give you as a housewarming present. The list will also serve as your guide when you go shopping for items for your new apartment. Think about signing up for a gift registry at some of your favourite stores before your apartment warming.

Learning home management and other basic skills to help you around your new apartment. Learn a few recipes you can prepare to lower you monthly food expenses. Learn how to fix leaking faucets or to change light bulbs. Knowing how to do-it-yourself really pays off in the long run. Of course, if you ever run into difficulties, you can always schedule apartment maintenance. Just make yourself aware of what they will and will not be willing to repair and how long the wait will be.

The good way to Gurgaon real estate

Interested to invest in flats in Gurgaon? In today’s scenario, more and more people are considering to invest in Gurgaon real estate because of likely good returns. With the transforming of Gurgaon into a commercial hub, investors are always in search for lucrative properties as it might give good returns in long term. However, the easiest way to find a lucrative Gurgaon real estate is by taking the help of realty websites. Loaded with information about commercial and residential properties in Gurgaon, realty websites give you the advantage to find properties just through clicks. Considering the services of realty portals has benefits galore.

Experts say that investments in realty market hardly go wrong and in long term fetch returns. People planning to buy a flat in Gurgaon need to do a little bit of research before taking the plunge. Although the realty market of Gurgaon is expanding, possibility exist that the prices will double in the coming years compared to other asset class. The general conception that luxurious flats in Gurgaon come with a hefty price tag is not totally correct. Although the prices have surged all these years but by taking the advantage of realty portals, you can easily search for flats at discounted rates. Buyers can filter their search with specific to location, budget, developers and measurement. Using the advantage of these portals, one can easily find flats, apartments, houses, villas and other properties that are intended for buying/selling/renting.

Opting for realty portals significantly reduces the pain that usually an individual confronts while visiting a real estate agent. Now, that information has made available under one roof, buyers and sellers can easily connect to each other and seal the deal without getting in touch with real estate agents. For example, Makaan.com, a renowned realty website, acts as the catalyst between buyers and sellers. It offers information of commercial and residential properties of major cities of India that also includes under construction and ready for possession properties. So, compare the deals related to such properties.

Buying a flat in Gurgaon is a decisive decision and so you should be well informed about the realty market and property that you intend to buy. The best way to remain update is with realty websites that let buyers or sellers collate information and connect to the right person that also increases the propensity of transaction. Now, buying luxurious flats in Gurgaon has been made easy and convenient by realty portals.

Makaan.com is the one of best india properties sites which offers residential property in Delhi and Gurgaon , flats, apartment and house for sell, rent and buy with a reasonable price.

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Pertamina EP: Production of 122,000 Barrels of First Semester

PT Pertamina EP record oil and condensate production in the first half of 2013 reached 122,000 barrels per day.
Vice President Exploitation Pertamina EP Herutama Trikoranto in Jakarta on Thursday, said that the production was slightly lower than the target of 123,000 barrels per day.
“We seek the achievement of the target in the second half. Fact, the production until the end of the year is optimistic of 127000-128000 barrels per day,” he said.
Appropriate work program and budget (work program and budget) 2013, Pertamina EP is targeted to produce 132,000 barrels of oil per day.
However, the figure has been revised to 123,000 barrels per day, as the national oil production target derived from the 900,000 to 840,000 barrels per day.
Heru said the achievement of production constraints in the first half mainly due to non-technical problems of land acquisition and licensing, especially in protected forests.
Meanwhile, the technical constraints such as delays in drilling due to “loss of circulation” and below the surface of the issues that make the production is not as expected.
As a result of these constraints, plans to increase production by 11,000 barrels in the first half of 2013, only reached 4,200 barrels per day.
In 2012, Pertamina EP recorded additional production up to 13,500 barrels of the target of 14,200 barrels per day.
“Last year was better, as it has not appeared nontechnical problems,” he said.
According to him, it will increase the re-work (work-over) to the production wells to avoid the constraints of the land acquisition and licensing.
“Work does not need to re-land acquisition and licensing,” he said.
Heru said it expects to produce in the second half to increase again to reach 4,000 barrels per day.

All About Mortgage Fraud

Mortgage fraud is a criminal offense. There are many types of mortgage fraud. Its estimated that mortgage fraud represents more than $300 million in unscrupulous transactions annually. Here are some examples of mortgage fraud:

Identity Fraud. This type of mortgage fraud happens when an individual steals the identity of another person to obtain a mortgage loan. The person whose identity is stolen can be someone close to the person committing the fraud, or a total stranger. Once the mortgage is approved based on the identity and documents of the victim, the fraudster who obtains the mortgage disappears without making any payments on the mortgage. This type of fraud is discovered only after the fact and only when the victim is pursued by the lender for defaulting on mortgage payments.

Falsification of Loan Documents. This fraud happens when the application papers submitted for a mortgage loan are falsified. Sometimes, lenders can also get involved in falsifying loan documents.

Occupancy Fraud. This is a case where a borrower applies for a mortgage to purchase a property which he or she claims will be his principal residence. Normally banks charge lower interest rates and can approve larger mortgage amounts for owner-lived properties. Investment properties typically get charged a higher mortgage rate.

Failure to Disclose Liabilities Fraud. Before lenders approve a mortgage loan, they usually look at a borrowers debt-to-income ratio. If they think that a mortgage would constitute a major hardship in terms of a borrowers capacity to pay, the mortgage loan may not be approved. To circumvent this, fraudulent borrowers fail to disclose all of their debts, making their financial situation look healthier and more in line with the lenders criteria.

Income Fraud. Income fraud is a core reason for the mortgage meltdown in the United States, where people misrepresented their income. Some industry experts called these cases the liar loans because borrowers deliberately lied about their income just to get approved. They would support it with falsified tax returns or employment slips, which showed their income to be higher in order to qualify.

If you believe youve been a victim of mortgage fraud, contact he police immediately and find out what recourse is available to you. Banks and notaries/lawyers have their own ways of checking for real estate fraud (false titles, undisclosed liens on the property, etc), but you can get that extra layer of protection by double-checking any information thats presented to you.

If youre thinking of a piece of property and youre not sure about title to that property, you may want to consider title insurance. Many Canadian companies offer title insurance protection, one of which is First Canadian Title, possibly the largest in the industry. Title insurance will protect you against a fraudulent transfer of title.

Gets Pinasthika Profit Partners Rp 248 Billion, Up 36%

Net profit of the company-owned automotive parts Uno Uno, PT Mustika Pinasthika Mitra Tbk (MPMX) reached Rp 248.33 billion in the first half of 2013, growing 36.2% over the same period last year periodeyang Rp 182.31 miiliar.

In addition, the company also recorded a net income of Rp 6.78 trillion, up 31% from the same period in 2012 amounted to Rp 5.18 trillion.

Gross profit also rose by 35% from Rp 750.69 billion in the first half of 2012 to Rp 1.02 trillion in the first half of 2013.

Director MPMX Tossin Hima explains, a significant increase in financial performance is in line with the Company’s solid operating performance. For example, under the vehicle rental business MPMRent significantly increase its fleet to 74% in the first 6 months of 2013 reached 12,104 units.

He also mentioned, total assets also increased 20% from last year’s Rp 9.07 trillion to Rp 10.88 trillion in the first semester of 2013. According to him, a solid financial performance is the result of hard work, good strategy and strengthened by the excellent execution.

“Achieving good performance in the first semester of 2013 was above the average growth of the industry and consistent with the Company experienced growth in recent years. This proves MPMX commitment in keeping what is our promise to the stakeholders, particularly shareholders and investors, the growth of a healthy and sustainable business, “Tossin said in a statement in Jakarta, Monday (22/07/2013).

He said the vehicle rental business market in Indonesia is divided and spread out in various areas and MPMX MPMRent benefit from having more than 20 years experience in this business.

“The experience and deep understanding MPMRent makes us more observant and aggressive in capturing and realizing opportunities in the vehicle rental business, especially in the corporate sector nationwide,” said Tossin.

In addition, Honda motorcycles for distribution business, especially in the area of ​​East Java and East Nusa Tenggara, sales rose by 26% to reach 447,578 units in the first semester 2013.

Meanwhile, the Honda motorcycle sales nationwide rose 12% and sales of motorcycles grew only 6% of the months January to June 2013.

Increased sales of motorcycles as well as the number of middle-class people in Indonesia, helped push sales of lubricants business MPMX growing more than 10% to reach 32.12 million liters of oil.

Bakrie and Brothers Record Rp 8.3 Billion Profit, sales drop 96%

PT Bakrie & Brothers Tbk (Bakrie) recorded a profit of Rp 8.36 billion in the first half of 2013, this profit plunged 96% compared to the same period last year of Rp 214.35 billion. The company’s revenue in the same period also fell.

Bakrie Group revenue was recorded Rp 1.95 trillion, down from the acquisition of the first half of 2012 which reached Rp 11.39 trillion.

“It is down when compared to the first half of 2012 revenue gains. This is due to the deconsolidation of our subsidiaries, namely Bakrie Petroleum International Pte. Ltd.. and Subsidiaries, “said President Director of Bakrie and Brothers Bobby Gafur in a press release on Wednesday (07/31/2013).

While the Company’s profit attributable to the parent entity, in the same period also fell from Rp 61.23 billion to Rp 4.86 billion.

“This solid base we believe will further solidify BNBR performance in the future. We will continue to try to push spending and increase business efficiency, “said Bobby.

Bobby explained, during the first six months of 2013, the management company of Bakrie & Brothers has been pressing burden significantly, interest expense and finance in particular through the reduction of the debt portion.

Therefore the Company’s interest expense and finance fell by 78% or Rp 603 billion from Rp 775.79 billion in the first half of 2012, to just stay Rp. 172.78 billion at the end of the first half of this 2013.

Commodity price doldrums, Uno Uno Corporate Profit Drops 65%

Saratoga Investama Tbk PT Federal International (SRTG) made a profit of Rp 188.34 billion in the first half of 2013, down 65% when compared to the same period last year of Rp 539.61 billion. The fall in profits due to weak performance in the subsidiary coal and palm oil sector.

“Weakness in the coal and palm oil sector makes to the weakening performance,” said President Director of Saratoga Uno Uno S in Jakarta, Thursday (08/01/2013).

The Company recorded revenue of Rp 1.165 trillion in the first six months of this year, revenue rose compared to the previous year in the same period to Rp 1.138 trillion.

Load reduced income from Rp 1,063 to Rp 1,038 trillion trillion at the end of June 2013. So the gross profit and operating profit growth is still positive.

The company’s net profit could decline due to other expenses are quite high, especially because of the performance of subsidiaries in the coal sector and palm oil weakened.

Saratoga continued to invest in three key sectors to drive economic growth in Indonesia with a long-term outlook is very positive.

“By providing long-term benefits, Saratoga will continue to contribute to Indonesia and the wider community,” Uno added.

One of the company’s subsidiary in the consumer sector, PT Mustika Pinasthika Mitra Tbk (MPMX), earned revenues of Rp 6.78 trillion, contributed by higher sales of motorcycles in East Java and East Nusa Tenggara.

Sales volume increased by 26% to 447,578 units in the first half of 2013 compared to 355,758 units in the same period a year earlier. It is also supported by MPM automotive rental business, which rose 74%, from 6,995 units in the first half of 2012 to 12,104 units in the first half of 2013.

While the sector PT Tower Bersama Infrastructure Tbk (TBIG) won pendapatam surge by 96% This is caused by the growth of a significant tenant of organic growth and through acquisitions, from 8,584 tenants as of June 2012 to 15 277 tenants in June 2013.

In line with the increase in revenues, gross profit TBIG also been increased by 98% in the first half of 2013.

Saratoga Investment in PT Lintas Marga Sedaya managing highway projects Cikampek-palimanan goes according to schedule. Overall construction was started in January 2013.

The entire land has been acquired, the work permit has been issued by the authorities and senior debt facility is executed as well as drawdown begins in line with the project an important milestone.

While the natural resources sector, global sentiment towards commodities affect the performance of associated companies (investee companies) engaged in integrated coal sector, mining and palm oil.

Such as PT Adaro Energy Tbk (ADRO), Provident Agro, and PT Agro Maju Raya (Amara) which was corrected earnings

Expand in Insurance and Banking

Entering the second half of 2013, the company plans to enter into the insurance and banking sectors. This sector, said Uno, still very attractive in Indonesia.

“We are open to look at opportunities in the banking sector. Banks in Indonesia are very good, the growth of the industry is still good,” he said.

The Company is developing in the direction of the two sectors of the industry. How, can by buying an existing company or create new company from scratch.

“The business model we are usually targeting existing enterprises and capital needs. But it could also open opportunities from zero,” he said.