Bouncing back after a recent bankruptcy is challenging, but possible. To begin with, you will need to rebuild credit, which involves opening new accounts. If you need a new vehicle, financing a car following a bankruptcy may be a smart move. Auto loans are easy to qualify for. Thus, you can get approved with horrible credit.

How to Avoid High Interest Rates?

If your bankruptcy was recently discharged, high interest rates may be unavoidable. Yet, there are ways to purchase a new car without paying several percentage points above the current average. Sadly, there are some people paying interest rates 18% or more.

To avoid high fees, postpone financing a new or used vehicle. Instead, attempt to get a secured credit card. Make timely payment for about a year. In time, your credit score will improve, making it possible to obtain an auto loan with a rate of 9 or 10 percent.

Choose a Used Vehicle to Finance

If you are hoping to improve credit by financing a vehicle, opt to finance a small amount. Thus, even with a high interest rate, you can receive affordable payments. Another tactic involves taking charge of the car buying process. Instead of allowing the dealership to determine monthly payments and loan term, inform the dealership of how much you are willing to pay. Your ideal monthly payment should include finance fees.

Use a Subprime Auto Loan Lender

After a bankruptcy, subprime lenders are helpful with helping people secure auto loan financing. Some lenders are shady. On the other hand, a large number of lenders understand your circumstances and attempt to offer affordable solutions. If using an auto loan broker, you have the opportunity to receive various quotes from different subprime lenders. This is ideal for making comparisons and choosing the best loan.

Apply for Loan with a Co-signer

If you are hoping to obtain an auto loan with a low interest rate, it may help to apply for the loan using a co-signer. Co-signers or co-borrowers become responsible for the loan if you are unable to pay. If your co-signer has exceptional credit, you may qualify for a low interest rate on your auto loan.

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We need freelance job this day especially for student, this is to others income for his study, Freelance work has gained tremendous popularity today. Freelancing has long been recognized as a reputable profession and freelance workers are sometimes valued more than regular, permanent staff members. With the internet’s help, more opportunities for freelancers are available at once. More people are able to work at their homes and more companies and organizations are able to contract out their projects instead of hiring regular employees.

According to recent studies, freelance jobs account for 20 percent of contracted graphic designs, web designs and software development in the world. To go freelance is a career choice and freelance jobs offer freelancers with plenty of opportunities and benefits.

Freelancers, especially the “internet freelancers,” always report satisfaction in their work due to several factors that freelance jobs offer. They are able to choose the job they want from a variety of freelance jobs and projects that are widely available in the internet. There is also faster turnaround of projects and freelancers can move on to another project as soon as the current one is done. Freelance jobs also allow for freedom and more flexibility and freelancers can take on two or more different jobs simultaneously. Freelance jobs also offer higher income rates and help freelancers improve their saving capability.

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There are several things that are important about procurement that you should consider. In a business standpoint, timing is virtually essential. If you are like many business owners, the best time is the time when prices will be low enough to handle. This can be quite difficult to call and even more so, it will be difficult to manage. But, when procurement is used effectively, your business truly can reach new heights. What should you consider in procurement?

• You will want to consider the timing. If you take delivery of the product now, will you have to pay additional inventory costs? If you wait another week, will it be less likely to cost as much? This would be quite vital information in a large organization that is using procurement for large quantities of items.

• What about the cost? One of the most difficult things to call is pricing. Will it be lower today than it was yesterday? Or, will prices begin to rise soon? Knowing when to make your move is quite critical.

• Also, you’ll want to consider the procurement as in how much risk you are taking on. Companies that can not afford risk in finances shouldn’t look towards large, risking procurement options. Instead, a safer option is necessary. But, the opposite can be true as well.

• The bottom line in the procurement process is making decisions. In order for you to be effective at purchasing at the lowest prices at the right time, you need to be able to make a decision. Oftentimes people miss their chance because of the what ifs. In business, a what if will cost you big time.
by: Leon Chaddock

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Our campus (UUM) will launch one of big event in Tradewins residential hall which is International Multicultural night. This even started last year and many visitors come and see to know and understand each countries culture in our campus.

This time our International Multicultural Night will come with theme “Culture Fever” which means everybody should interest with culture differentiations in UUM campus generally. For Information, many international students in UUM, they are from:


1. Indonesia
2. Somalia
3. Somaliland
4. Chad
5. Saudi
6. Yemen
7. Thailand
8. Canada
9. Uzbekistan
10. Nigeria
11. France, and so on.

Most of them are from Somalia and Indonesia.

In this event there are some activities such as singing, dancing, martial arts and also foods from each countries involved here. Singing will be performed by Chinese student and also somalian student whereas martial arts will be from Indonesia (Pencak Silat). And also in this event Indonesia will prepare gado-gado and lontong to be provided then sphagethi with soghart as somalian traditional foods also will be available.

So c’mon come to Dewan Semarak Budi DPP Tradwinds and pay only RM5!

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May be some of you already know about this. Relationship between Indonesia and Malingsia is not good today but both Indonesian and Malingsian governments plan to build a bridge which is going to link their countries. just for info you should go here : Jual Beli Paypal

This bridge will connect Malacca (Malingsia) and Dumai (Sumatera).



Surely this project will impact to profit both countries and also can faster social economic development between Indonesia and Malingsia.

but first you must read this :
Jual VCC hope this will help you.

According to Najib statement (Malaysian Prime Minister) this bridge will cost at least $11 billion or Rp6 trillion.












For now both countries are looking for some foreign investors to donate this project.

Summary

Name : RI-Malingsia Bridge
Length : 52 km
Contributor : In process
Place : Malacca strait
Connect : Malacca (Malingsia) to Rupat Island (Sumatera) to Dumai (Sumatera)
Cost : $11 million = Rp. 6 trillion

Should RI accept this project against Malingsia????

Will this bridge claimed one-side further by Malingsia????

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Actually I really impressed if one talk about “the world tallest building”. Former we discussed Jakarta Tower, Indonesian next prestige and now we are discussing Burj Al Meel which will be the tallest building ever happened in the world.

Might be this building is constructed to keep esteem against Arab countries.
I can say that because presently almost all Arab countries tried to build their own tallest building. There are two buildings existed today, they are Mubarak tower (1001 m) in Kuwait and Burj Dubai(818 m) in UAE.

Perhaps development of Burj Al meel was based on the “prestige” against Arab countries.

This building named Burj Al Meel which signifies -1 mil high- building (1600 m). So, like the name, this building is going to be built by 1 mil upwards.

This project was donated by Prince Alwaleed Bin Talal Alsaud of Kingdom Holding Co, from Saudi Arabia. It cost US$10 Billion.

Some uniqueness of this building are about temperature and “quake” problems will be faced further. Feasibility, the top will be baking during the day, and freezing at night. Gust can make people inside building fell “seasick”.






Another problem arising is transportation. I think developer should consider the most suitable transportation to be used from basement to the top and reverse.
This is summary information about this super skyscraper:


Name : Burj Al Meel
Developer : Prince Alwaleed Bin Talal Alsaud of Kingdom Holding Co
Place : Jeddah, Saudi Arabia
Height : 1 mil (1600 meters)
Budget : US$ 10 Billion
Problems : Temperature, wind’s blowing/gust, transportation.

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Until today, I don’t know why many countries having races to build tallest building or tower. Formerly, we knew WTC (World Trade Center) which finally attacked by someone insane, haha..

After it collapse, Twin Tower in Malaysia (usually called Petronas) became the world’s tallest building.

But it was not long live exist. Some year after Taiwan build Taipe 101, which at that time became “the new” tallest building in the world.

And then it has been continued until now. County will feel very proud of having own tallest building, may be 10 years later earth will become very high, so airplane can’t fly anymore, hahahahaha…



In Indonesia it self, the government try to establish their pride in the ASEAN’s perspective. Because of that they were planning to build Jakarta Tower.

Actually this tower had been designed many years ago before Asian Crisis in 1997, on the regime of President Soeharto. On that day, Indonesian economics very bad, level of poverty increase sharply, riot every day, those conditions cause pending of Jakarta Tower's development.

Then after Asian Crisis lapse, government sound to continue this project.

Jakarta Tower will be build in area kemayoran, Central Jakarta. (Now is being build)
there will be hotels, Mall, spin Restaurant, digital museum, etc inside.

For Information, this tower's height 558.0 meters.
This is taller that Twin Tower or KL Tower in Malaysia.

it will surpass 3 tallest tower before.

see this picture:



This project valued about $400 million.

Woooouuuww..!!

Go.. Indonesia..!!!

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Anybody know what double degree program is?

May be there is some of you still don’t know yet about this term.
I have been involved to this program until now.

Actually, based on the name “Double Degree Program” this is a program offered to international students to get their “second” degree but this is not a level up from your first degree. You will get your degree double at the same level.

Ok for instance, Budi is an undergraduate student from UK, afterward he joins his University’s program with University in Indonesia to do Double degree. After he graduates from those Universities he will get a Bachelor and S1 (Sarjana) degrees as feedback.
That’s why it called a Double Degree Program.




Based on my experience, Double Degree program is one of many ways from universities to expand their wings abroad. As we know, this is a globalization era where everything should be very global. So, in this era people having races to do everything globally. Including Universities.

With this program, Universities can increase or add their “value” in eyes of society. So that parents will school their beloved son or daughter in those universities.

HOW ABOUT THE SYSTEM?

Double degree program is a program offered to get a “second” degree with the same level. Meaning that, you can reach two degrees one time in different place overseas.

People thought students will be very long to finish their first degree because we have to study in two places differently.

Yes almost true, but still not get yet.

It is true that students must finished their undergraduate in two places differently but it doesn’t mean spend much time.

Because, double degree means you finish half semester in one university and half semester in another university. In other way the time will you finish off is about 3 or 4 years. Same with only “one degree”, right?

ADVANTAGES AND DISADVANTAGES

List of advantages:

• Increase experience
• Get double degree
• Having international friends
• A lot of connection abroad will be
• Strong our English
• Prouder
• Get a girl or boy overseas
• Do business overseas
• Sometime we are profited by Currency
• And so forth.

List of Disadvantages:

• Far from family
• Costly sometime
• Can’t adapt with local place culture
• Face different habitual
• No more native language (if communicate with students from different country)
• Troublesome
• Different style of teaching
• Etc.

COMPARED WITH EXCHANGE PROGRAM

This program is different from exchange program for sure. Exchange program is also one of university’s ways to expand their wings broadly.

Exchange program is a program which is done by only one semester (sometimes more) after that come back home with only got a certificate and useful experiences.
However, if students do double degree they can reach more advantages and also disadvantages than do exchange. I am not to plan to declare that exchange program is not good.
Do exchange is good also but it depends on the people.

Sometimes there is student who doesn’t feel like to stay away from their parents for long time, so they decide to choose exchange program. Or sometimes there is student who doesn’t care about that problem because he/she think of the advantages offered, so they prefer Double degree.
It’s fine.

DOUBLE DEGREE, IS IT FAIR?

I had friend from local, she told me:

“Why can you easily took paper 3000 without through paper 1000 and 2000 (basic paper)? That’s not fair!”

Haha..

What do you think? Did you think the same?

Nothing’s not fair bro!

Everything is fine.

Because we (double degree students) have already took basic paper in our former universities. As I mentioned in advanced, double degree program is done by a half semester in one university vice versa.
So we already through half or more semester in our former university while in our “new” university we just continue our study in order to get double degree.

So, which part isn’t fair? hehe..

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Hayo sahabat blogger pasti denger judul diatas udah pada males ni,hahhaha… ngomongin solat subuh sih… ada yg tau gak solat subuh berapa rokaat? Yaps betul sholat subuh berjumlah 2 rokaa’at namun entah kenapa jumlah shaf nya paling sedikit di masjid?ckkckckckck…

Padahal dalam 2 raka’at tersebut Alloh dapat mengukur tingkat ketaqwa’an seseorang. Maksudnya gak sembarang orang bisa mengerjakan sholat subuh yang hanya 2 raka’at secara rutin melainkan orang-orang yang selalu ingat Rabb nya. Rasulullah bersabda:



ليس صلاة أثقل على المنافقين من الفجر والعشاء، ولو يعلمون ما فيهما لأتوهما ولو حبْوا. متفق عليه

“Sesungguhnya shalat yang paling berat bagi orang munafik adalah shalat Isya’ dan shalat Subuh. Sekiranya mereka mengetahui apa yang terkandung di dalamnya, niscaya mereka akan mendatangi keduanya (berjamaah di masjid) sekalipun dengan merangkak” [HR Al-Bukhari dan Muslim]

Nah disini saya mau coba menyadarkan pikiran-pikiran sobat blogger yang masih males solat subuhnya dengan beberapa hadist keutamaan sholat yang hanya berjumlah 2 rakaat ini dengan berjama’ah. Mau tau?

قال رسول الله صلى الله عليه وسلم
من صلى الصبح فى جماعة فهو فى ذمة الله
رواه ابن ماجة وصححه الألبانى

Rasululloh shallallohu ‘alaihi wasallam bersabda, “Barangsiapa sholat subuh dengan berjamaah (dimasjid) maka ia berada dalam tanggungan Alloh.” [HR. Ibnu Majah dan dishohihkan oleh Al-Albany]

قال رسول الله صلى الله عليه وسلم
من صلى العشاء في جماعة فكأنما قام نصف الليل، ومن صلى الصبح في جماعة فكأنما قام الليل كله. رواه مسلم

Rasululloh shallallohu ‘alaihi wasallam bersabda, “Barangsiapa sholat isya dengan berjamaah, maka seolah-olah ia telah sholat separuh malam, dan barangsiapa sholat subuh dengan berjamaah, maka seolah-olah ia telah sholat sepanjang malam.” [HR. Muslim]

قال رسول الله صلى الله عليه وسلم
ليبشر المشاؤن فى الظلم إلى المساجد بالنور التام يوم القيامة
رواه ابن ماجه وخزيمة فى صحيحه
Rasululloh shallallohu ‘alaihi wasallam bersabda, “Berikanlah kabar gembira kepada orang-orang yang banyak berjalan dalam kegelapan (waktu Isya’ dan Subuh) menuju masjid dengan cahaya yang sangat terang pada hari kiamat”

[HR. Ibnu Majah dan Khuzaimah dalam shohihnya]

bagaimana sobat blogger??

masih mau meninggalkan solat subuhhhhh....????

RUgiiiiii kalo ditinggalin..

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Mungkin sebagian dari kalian sudah tidak asing lagi dengan nama syi’ah. Kumpulan orang syi’ah ini mendominasi Iran dan Iraq. Namun mereka lebih berpusat di Iran. Banyak orang tertipu dengan agama syi’ah ini dengan menyebut mereka sebagai bagian dari agama islam, padahal Demi Alloh mereka sudah bukan lagi termasuk bagian dari agama islam. Ketika ahmadinejad datang ke Indonesia sambutan umat muslim kepada dia sangat mengaggumkan tanpa mengetahui bahwa aqidah yang dibawa presiden Iran itu adalah syi’ah (Rafidoh).

Saya mau Tanya kepada semua orang islam, bagaimana jika ada seseorang yang mengkafirkan Abu Bakar dan Umar bin Khatab? Bagaimana jika ada kelompok yang adzannya berbeda dengan adzan umat muslim setiap harinya? Bagaimana jika ada kelompok yang kitab sucinya bukan lagi kitab suci Al-qur’an seperti yang kita baca setiap hari??

Apa kelompok seperti itu kita katakan termasuk dari agama islam??

Itulah syiah…

Mereka telah mengkafirkan shahabat nabi yang paling dicintai oleh Rasulullah Shallallhu’alaihi wassalam (Abubakar) dan juga tak tanggung-tanggung mereka juga mengkafirkan Umar bin Khathab dan merayakan hari dimana terbunhnya Umar ditangan Abu Lu’luah dengan mengelu-elukan nama Abu Lu’luah. Naudzubillah.

Sebagai bukti kebencian mereka terhadap dua sahabat utama Rasulullah tersebut bisa dilihat dividio ini.



Sebenarnya bukti diatas sudah cukup untuk membongkar kesesatan agama Syi’ah ini, namun sebagai infiormasi tambahan ternyata adzan mereka bukannlah adzan yang biasa kita dengar sehari-hari. Mereka menambahkan kata “Ali” didalam adzan tersebut. Memang agama syi’ah ini sangat berlebihan kepada Ali Radhiyallahu’anhu sehingga menyebabkan mereka keluar dari Islam.
Bisa dilihat vidio dibawah untuk mendengarkan adzan orang Syi’ah.




Bukti yang lain dari kerusakan, kebohongan dan kesesatan agama Syi’ah ini adalah dari kitab suci mereka. Mereka mengklaim kitab suci mereka adalah Al-qur’an namun kenyataan yang terjadi di lapangan mereka telah mengganti-ganti isi dari al-qur’an kita (Sunni) dengan versi mereka (Syi’ah). Sebagai contoh :

1. Dalam Surat Al-Baqarah:257

وَالَّذِينَ كَفَرُوا أَوْلِيَاؤُهُمُ الطَّاغُوتُ …
“Dan orang-orang yang kafir, pelindung-pelindungnya ialah syaitan….”

Namun dalam Al-Qur`an palsu mereka:

وَالَّذِينَ كَفَرُوا بِوِلاَيَةِ عَلِيّ بْنِ أَبِيْ طَالِبٍ أَوْلِيَاؤُهُمُ الطَّاغُوتُ …
“Dan orang-orang yang kafir terhadap kepemimpinan Ali bin Abi Thalib itu, pelindung-pelindung mereka adalah syaithan….”

2. Dalam Surat Al-Lail:12-13

إِنَّ عَلَيْنَا لَلْهُدَى(12) وَإِنَّ لَنَا لَلآخِرَةَ وَالأُولَى(13)
“Sesungguhnya kewajiban Kamilah memberi petunjuk, dan sesungguhnya kepunyaan Kamilah akhirat dan dunia.”

Namun dalam Al-Qur`an palsu mereka:
إِنَّ عَلِيًّا لَلْهُدَى(12) وَإِنَّ لَهُ لَلآخِرَةَ وَالأُولَى(13)
“Sesungguhnya Ali benar-benar sebuah petunjuk dan kepunyaan dialah akhirat dan dunia.”

3. Dalam Surat Al-Insyiraah:7

فَإِذَا فَرَغْتَ فَانْصَبْ
“Maka apabila kamu (Muhammad) telah selesai (dari sesuatu urusan), kerjakanlah dengan sungguh-sungguh (urusan) yang lain.”

Sedangkan dalam Al-Qur`an palsu mereka:

فَإِذَا فَرَغْتَ فَانْصِبْ عَلِيًّا لِلْوِلاَيَةِ
“Maka apabila kamu (Muhammad) telah selesai (dari suatu urusan), maka berilah Ali kepemimpinan.”

Bahkan sebelum ayat ini ada tambahan:

وَرَفَعْنَا لَكَ ذِكْرَكَ بِعَلِيٍّ صِهْرِكَ
“Dan Kami angkat penyebutanmu (Muhammad) dengan Ali sang menantumu.”

dan bisa kita lihat kelakuan aneh imam-imam syi'ah dividio dibawah ini.




Begitulah agama Syi’ah. Waspada….!!!!

Sumber rujukan : haulasyiah.wordpress.com
just for info you should go here : Jual Beli Paypal

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