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Archives for: May 2017

Profit Down 22.71 Percent Mortgage

Mortgage PT (Persero) first half net profit in 2013 amounted to Rp718 billion, a decrease of 22.71 percent over the same period in 2012 amounted to Rp929 billion.
“The decline in net profit slump triggered by the price of gold in the International market,” said the Director of Mortgage Finance, Agus Dwi Pramoedya, on the sidelines of the show “Pawn Gebyar Bazar”, in Jakarta on Thursday.
According to him if at the beginning of January 2013 the price of gold reaches approximately 1,483 U.S. dollars per troy ounce, but in June 2013 was in the range of 1,300 U.S. dollars per troy ounce.
According to Dwi, due to the decline in gold prices is continuous then the company had earmarked Rp 400 billion by the end of 2013 in anticipation of the continued decline in prices.
“Spare us prepare to face the potential loss. If the gold price does not go up until the end of 2013, it was forced to take action” for sale “to the collateral. Yagn So the loss was covered by reserves,” he said.
He explained that the decline in gold prices greatly affect the performance of the Mortgage, as appropriate business enterprise is dominated by gold pawn portion that currently account for about 97 percent.
“Mortgage loan disbursement will face obstacles if the thirst of gold continued to decline until the end of the year,” he said.
Despite a decline in net profit expressed Dwi, but in terms of revenue Pawnshop still posted gains.
“During the first semester of 2013, revenue reached Rp 4 Pawn, 1 trillion, up 6.5 percent over the same period of 2012 amounted to Rp3, 8 trillion,” he said.
Likewise, assets, until June 2013 grew about 13 percent to around Rp33 trillion, from the previous Rp29 trillion.
He said, gold pawn business until June 2013 the company was able to print revenue of Rp46 trillion, soaring from about Rp43 trillion previously.
The same time, revenue-based sharia pawning gold reached 6 trillion, up 8.6 percent from the previous Rp 5, 5 trillion.
Truly said Dwi, Pawnshop business as a whole still increase, but only because the price of gold dipped impacting net income.
The number of customers increased Pedagaian still about 15 percent to 14.4 million in the first half of 2013 from the previous 13.7 million customers.
“This marks the mortgage business will continue to grow in the future,” he said.

Finding Cool Outdoor Carpet Tiles

Installing outdoor carpet tiles is usually much easier than setting up outdoor carpets. Consequently, if you are considering doing your outdoor carpeting yourself it may be wiser to make use of the tiles. These tiles are available in different colors, texture and sizes. They are suitable for areas where high traffic is experienced, but can also be used elsewhere like your patio, garden, balcony, et al.

These carpet tiles can be made use of on hard floor surfaces made from wood, cement or stone ceramic and are usually padded so there is no need to underlay them. For patios and decks it is best to make use of interlocking tiles since their design makes the drainage of moisture possible.

Some benefits that you will get from using outdoor carpet tiles are: size advantage; since they are small sized and this makes moving them easier. Next, you can easily install them. All that is required most times to install is for you to peel their back off and then stick tile on the surface.

Another benefit which you get from making use of outdoor carpet tiles is that whenever there are damaged tile(s) you can easily replace the tile or tiles by removing them and fixing new ones. This can save you some money and time.

Before installing carpet tiles, you should make every effort to clean, and then dry your floor. Installation can be quite easy work as stated earlier. You just peel off the bottom of the tile after which you then affix this properly onto your floor. Then, you allow the tiles to be in this position for the next 24 hours.

Notwithstanding these benefits that you find with tiles, it is still possible to use outdoor carpets in your immediate surroundings; I mean in your house. However, before buying carpets, please know square footage of area you wish to cover. When you do this, ensure the total figure you get compensates well for mistakes you might have made.

Be informed that you have different types of outdoor carpets, with each suitable for a particular situation. You have the astro turf that is green in color, a synthetic grass used mostly on shed and pools. You also have the hooked rug known also as braided rug. It is mostly used as an outdoor mat. You have others as well.

A wonderful thing about outdoor carpet tiles is the fact that they are usually easy to take care of. All you need to do oftentimes is to brush their surfaces continuously for a while. After a while though, more serious cleaning may need to be done.

Home And Away Actress Jodi Gordon To Get Married Abroad In October

Jodi Gordon, a former actress from the Australian soap Home and Away, has revealed that she and her fianc are considering tying the knot in an exotic destination abroad later this year.

Australian sports star, Braith Anasta, proposed to Gordon last year and the pair are thinking about joining in on the growing trend of destination weddings.

The Australian actress explained: “We want to go overseas – to get away from Sydney and take everyone on a little break – but we’re still figuring it all out. We’re still looking at the location. It’s very full on.

“We’re just trying to cement everything in place. I think these days with weddings you have that many options and it sets your head spinning about everything. But we have some really good options set in place and for us, it’s just figuring out what we want to do.”

The destination might not have been decided yet but the dress is a work in progress as Gordon confirmed she is working with the Australian male design duo J’Aton to create the perfect dress for her wedding abroad.

“The J’Aton boys and I are knotting it out and figuring out all the bits and pieces,” Gordon said. “It’s like a whole other job in itself, but it’s fun.”

The pair got engaged last year and 26-year-old Gordon spoke about the proposal.

“The sexiest date I’ve ever been on was the proposal, of course. The way he proposed was very natural and real. It was just about us and setting up our future. There was something sexy about that,” she said.

The nuptials are planned for October this year which is off season for Anasta, the Sydney Roosters captain. Rumours are circulating that the couple will be getting married abroad in Bali or Fiji.

The rugby player added: “It’s obviously going to be a big year for us, and there’s not long to go now. We’re really excited about getting married.”

Destination weddings are becoming a popular choice for thousands of couples all over the world and celebrity couples who chose weddings abroad over traditional ceremonies at home last year included Tara Reid and Zack Kehayov, who got married on a cliff top on the picturesque island of Santorini in Greece, and Nick Lachey and Vanessa Minnillo who tied the knot on Richard Bransons private Necker Island in the Caribbean.

Idyllic spots for tropical weddings abroad include the Caribbean, the Maldives, Fiji, Hawaii and Mediterranean island nations including Cyprus and Greece.

Purchasing Personalized Travel Passport Cases

Personalized travel passport cases give you a greater feeling of security as you handle your documents. They are easy to trace whenever needed which makes you navigation at ports of entry and exit easier. Lose it and you will face the trouble of delayed departures and denied entries.

They will give you a better chance at getting organized and making it easy to get any document you need at a particular time. It makes it easier to pass gates during travel and not cause other persons to complain on queues as you search everywhere. Everything needed it traced fast and the flow is smooth.

The availability of a number of slots gives you room to store and carry the other supporting documents like cards for medical cover and licenses for drivers. You will also find it a convenient slot to keep tickets and receipts as well as credit or debit cards that you might require while on the trip. There is enough room for cash or checks to make your purchases or transactions easy.

There are a number of colors to match your personality and serve to compliment your travel needs. This makes your traveling something unique and reduces your luggage in to one package. The colors are purely natural in their appearance and do not fade despite prolonged use.

Durability is guaranteed, if the material is carefully selected to give you an elegant and stylish feeling. Any leather is usually purchased from the best factories after careful and professional treatment. All the documents in the wallet do not fold and are not damaged when stored.

You may request the engraving of your initials or could have all the names plus a logo or favorite symbol. This makes it easy to identify it and more so in case you happen to misplace it while on travel. The names or initials could be indicating personal or corporate identity.

Customized cases come with additional features like pockets for calculators and pens. This gives you convenience during signing since you can trace either of them with ease without spending all the time in the search. It is up to you to pick the size that works for you and the shape or any other features you wish to incorporate.

Zippers clasp and Velcro fittings prevent your documents from falling off. All your documents regardless of their sizes are secured from the possibility of falling or getting spoilt in bad weather. Made for easy to clean and dry without compromising on the quality. Add a strap to secure it on the neck for easy access.

The manufacture of personalized travel passport cases has provided for effective folding that does not damage any documents yet allows carrying them on the shirt as wells as ladies handbags. High quality leather and suede and in other cases polyester and canvas make it an elegant choice. You are guaranteed comfort and an impressive feeling anytime you have one in your hands.

Receding Gum Treatment Including Dental Bone Graft Options

Many people today suffer from a variety of different problems with their teeth. Some have issues with their gums while others have problems with their teeth. Some are self inflicted while others may be the result of heredity. Receding gum treatment today may include dental bone graft as well as gum grafts for the patient.

When you need receding , your dentist might find that you also have bone loss. When you are trying to use dental implants, you will need that bone to have something to anchor them to. Using a dental bone graft, dentists can encourage more bone growth in the area and use the implants as the patient wanted.

For some, receding gum treatment can be quite extensive. It will depend really on the severity of problem. For some it might only be minor and can easily be corrected with the proper dental care. For others however, receding gum treatment might involve surgical procedures to repair the loss of the gum tissue in the area.

Treatment such as a dental bone graft will involve putting small pieces of bone into the jaw where the bone has been lost through whatever problem that has occurred. Many things can lead to bone loss including periodontal diseases as well as a recession of the gum line. When the bone is unprotected, it will begin to break down and dissolve. For some, this will mean they need a to replace the bone that has been lost.

Getting receding gum treatment can help to stop the loss of bone as well as improve the appearance of your smile. If you need a dental bone graft, you will find that after the healing process is complete you will have a better smile as a result. In addition receding gum treatment can improve your smile as well. Using the right dentist for a dental bone graft or receding gum treatment can offer a pain free way to improve your oral health overall.

In addition a dental bone graft can make it possible for you to use implants rather than dentures to replace the missing teeth. Everyone is likely to lose a few teeth to decay or injury during their lifetime. Having the ability to replace just one tooth without compromising the integrity of the others around the area will be important to many people.

The Future of Hospital Construction

There are many applications well suited for the Polymedic Wellness Center; while originally designed for rural point of care applications in todays modern world the possibilities are limitless.

Military Medical Centers:

Our modular Design couldnt be any better suited for military applications. The Wellness Center platform is totally customizable as far as ratio of patient rooms to operating rooms; we can even configure the Wellness Center geared specifically as a central operating center consisting of only operating rooms. Best of all we can fit everything you need to be up and running in the back of a C-130.

Specialized Hospital Wards:

Due to our superior Air Filtration System the Wellness Centers are ideal for hospital wards for people with immune deficiency disorders including many types of cancer, particularly those of the bone marrow and blood cells (leukemia, lymphoma, multiple melanoma), and certain chronic infections. Immunodeficiency is also the hallmark of acquired immunodeficiency syndrome (AIDS), caused by the human immunodeficiency virus (HIV). HIV directly infects a small number of T helper cells, and also impairs other immune system responses indirectly.

Localized Caribbean Clinics & Hospitals:

Throughout the Caribbean most basic hospital services can only be attained on a few larger islands. There is very little medical infrastructure and in most cases people have to travel great distance for routine checkups and procedures like child birth. Do to this many children end up being born at home and never receive any sort of basic examination. Another major problem is that preventive medicine is more or less non-existent to these people.

Disaster Relief Operations / Refugee Camp Clinics & Hospitals:

Fellow human beings who are victims of unexpected disasters and or displaced refugees be they flood, hurricanes, tornado’s, earthquakes, tsunamis, or collateral victims of genocide are typically stripped of all medical care. Saving lives under the worst conditions imaginable is not easy, but in a state of the art hospital your patients odds will increase significantly, your job will be easier and your ability to accurately diagnose and perform triage will make a big difference in survival rates.

With our back up power systems its the perfect choice for the Caribbean and other areas prone to natural disaster. Best of all, once the site has been prepped we can typically have you up and running within two weeks.

Good Will Efforts:

It is well known that the key to building a prosperous society is having sufficient infrastructure to meet the needs of the local populous. Global and regional instability can almost always be traced back to people being deprived of their most basic human needs. To capture the hearts and minds of discontent people who would threaten the foundations of humanity is the only way to prolonged peace and prosperity for all; Proper Nutrition, Healthcare, and Education are the way to a better tomorrow for all! By providing Wellness Centers you can help a great deal of people while providing knowledge on nutrition & healthcare.

The Principle Of Retinal And Iris Scanning Technology

Fingerprint method can be misapplied. This reality is proven scientifically correct. For that reason, people then try to find the more reliable biometric systems.

The retina is part of the eyes that is responsible for the ability to see. The pattern of blood vessels that forms the retina is as unique as fingerprint. The principle of retinal scanning technology is scanning the pattern of capillary blood vessels on the retina with low-intensity light sources.

In 1987, the first retinal scanner was made by Leonard Flom and Aram Safir and has been patented. However, by the year 1994, John Daugman developed the technology of iris scanning as a competitor for retinal scanner.

Retinal scanning principle

Retinal scanning is based on the fine capillary network that meets the needs of oxygen and nutrients to the retina. These blood vessels absorb light and can easily be visualized with appropriate lighting. To that end, the close distance between the eyes and a scanner is needed. The appropriate position of eyes toward the scanner is also necessary. Also, there must be no eye movement, such as blink or glance.

Retinal scanning can not be 100 percent accurate. It is also less suitable as a security tool because even though the pattern of capillary blood vessels of human beings’ retinas cannot change generally, but diabetes, glaucoma, and cataracts can change it.

Iris scanning

In its development, retinal scanning is considered to be too disruptive in the case of security detection devices. In the use of retinal scanning, the eyes should be as close as possible with the scanner. For long-term, the light of scanner that is too close to the eye can give negative effects.

Because of the weakness, iris scanning technology emerges as strong competitor. Iris, a network that gives color to the eyes is also unique in which the chance for two identical slices is 1:1,078. Even, the left iris and right iris of someone are different.

How to Start a Web Design Business

With the boom of the popularity of the Internet, more and more businesses are looking to advertise their products or services through the Internet in order to reach more potential customers. Many businesses actually are just virtual, meaning that they do not have a location other than at the owners home office, and that all business is conducted through the use of the Internet. It is for reasons like this that many businesses are now looking for web designers to help them launch and design their own websites; however, competition is fierce. Therefore, if you want to learn how to start a web design business, you must take advantage of all of the free and available information that is out there in the virtual world for it.

A web design business is just like any other business; you must first develop and stick to your business plan. This is your roadmap to overcome potential and possible obstacles that may arise in the future, it could help you to obtain financial backing from both investors and financial institutions, and more. Having a business plan is crucial to your success.

You can find other valuable pieces of information for learning how to start a web design business, like developing a portfolio, advertising, pricing, and more through doing just ordinary research via the Internet. Just because you open a design business does not mean that the customers are going to flock to you. In actuality they wont; however, if you can make your business stand apart from all of the others by highlighting what you have to offer that may be different (whether its pricing, innovative technology, new services, etc) then you will be able to gain a steady amount of work flow.

Most importantly, web design is not any easy subject to tackle and you have to know all of the coding in order to be able to create pleasing websites that are set to impress; therefore, the proper education and hands on experience is also a must if you want to succeed. Learning how to start a web design business properly can be work in itself; however, it is all worth it in the end, but only if you do it right.

Advantages And Disadvantages Of Having An Outdoor Wedding

You and your fiance are different and both of you are contemplating an outdoor wedding against a more conventional church wedding! An outdoor wedding holds manifold advantages, especially so for those feeling claustrophobic by church weddings. However, there are certain disadvantages with outdoor weddings as well. Let us consider the pros and cons of outdoor weddings to help finalize any of your decisions in this regard.

Advantages of an Outdoor Wedding:

Church weddings invariably pose restrictions on the themes that can be used for the weddings. With a church wedding, one needs to primarily stick to more conservative themes that are traditional and time honoured. With an outdoor wedding you have a lot more freedom and you can pretty much call all the shots with regard to the themes you would want to have for the wedding. The sky is the limit when it comes to choosing the themes – it can be a beach theme or a western theme or anything else that catches your fancy.

The cost is a great advantage when it comes to outdoor weddings as they are definitely much less costly than what you would incur with a church service. You don’t have to pay for using a public garden or a beach to get married, and the only costs in this regard will be what you need provide to the minister. And this goes with a host of conveniences like discarding formal attire and going with a simple sundress (if you prefer) when getting married in a sunny beach or a warm garden.

Another advantage with outdoor weddings is that you and your guests will feel much more relaxed and comfortable in the casual environment as against a stuffy church environment. Having lots of movement space is also welcome as people don’t have to jostle like in a church.

With outdoor weddings, the same venue can be used for wedding and reception; you just need to find someone for decoration and catering.

Disadvantages of an Outdoor Wedding:

The unpredictable weather can play a big havoc with your wedding. Mother Nature is not under our control and the weather man can be wrong. Moreover, the unpredictable nature of the weather makes it difficult to plan outdoor weddings ahead of time. It can be pouring on the day of your wedding and so it would be a good idea to have a back-up plan when you are contemplating an outdoor wedding.

Also most Catholic priests don’t allow you to marry outside of the church. So, you need to convince your priest first if you really want to go ahead with an outdoor wedding.

To summarize, outdoor weddings work for some people and not for others. So, plan carefully taking into account all pros and cons and figure out what will work best for you.

The Early Beginnings Of Air Transportation

It is difficult to imagine not being able to catch a flight to travel around the world these days, but this technology has not been around for that long. The first ever controlled heavier-than-air controlled flight occurred within Connecticut by Gustave Whitehead in 1901. This predated the Famous Wright Brothers flight by a whole two years. Whitehead’s engine powered plane with glider-like wings flew over 800 meters at an altitude of fifteen metres. Here in this article we look at the early history of the aeroplane and look at how important air transportation is today.

Since then, replicas of Whitehead’s plane have been flown successfully, his flight becoming the first real milestone in heavier-than-air powered flight in the 19th century. The highly publicised flights of the Wright Brothers however are far more well-known, with the flights they organised in Carolina in December 1903. These were regarded by the Federation Aeronautique Internationale (FAI) as the first sustained and controlled heavier-than-air power flight. The flight by Whitehead was not well known until the Wright Brothers fame was already world-wide.

Air transportation and heavier-than-air aviation was very popular in the first decade of the 20th century with many different inventors making claims of short flights. Many of these were verified and others were not. Lyman Gilmore claimed to have flown a plane successfully in 1902 but there were no witnesses to back this up. A farmer in New Zealand claimed to have created a monoplane that flew in March 1903. The Wright Brothers continued to conduct flights in Ohio during the years 1904 and 1905, inviting their family and friends to witness. Due to a failed attempt that occurred in 1904, members of the media did not attend and witness the later flights.

The history of the powered flight and air transportation created a major boost within the First World War (1914-1918), when manned planes were used by allies and central powers. Planes were used for the air transportation of aid and directly created air assaults. In the beginning people found it bizarre to use the plane as a weapon, but it soon became adopted.

Today air transportation is very important for many different reasons, but is still prominent in warfare and has changed war and travel across the world. Engineering specialists today are required to offer many services to aviation, in particular security. Much planning and work is needed for the building of airports, plane terminals and environmental impacts air transportation has created.