The Batam Island in Indonesia is expected to account for 20 per cent of the country’s target of 15 million foreign tourists in 2017.
Wisnu Bawa Tarunajaya, assistant deputy for Tourism Human Resource Development, said that Bali would remain as the country’s top destination amongst overseas visitors, with 40 per cent of the target number. Jakarta would account for 30 per cent of the expected tourist count, while other parts of Indonesia would attract the remaining 10 per cent of the target.
Tarunajaya said that those from Australia, China and other ASEAN countries are likely to be make up the population of foreign visitors in Indonesia this year.
In Batam, shopping malls like WOW Getaways with duty-free items are a reason why tourists love to explore the area. Some particularly like the place’s bustling nightlife, and the idea that there are nearby resorts and beaches makes it more attractive.
While it may not be as popular as Bali, Tarunajaya said that Batam would be one of the key areas that will help Indonesia in realising the target number for 2017. In the previous year, the government had aimed to record 4.4 million of foreign tourist arrivals in Bali.
The Ministry of Tourism is believed to be planning the development of alternative tourist attractions in the country, which it sees as a way to stimulate competition in the tourism industry, according to Tarunajaya.
These development projects include the Lake Toba in Sumatra, Tanjung Klayang in Bangka-Belitung province, Thousand Islands in Jakarta, Tanjung Lesung in West Java, Mandalika in Lombok, Labuhan Bajo in Flores, Wakatobi in Sulawesi and Morotai in Maluku.
There is a bright side on Batam being a less popular choice than Bali. It just means tourists can experience a more relaxing holiday or vacation due to fewer people. This is especially good for those that want to avoid crowds and hope to make their trip as worthwhile and stress-free as possible.
Though almost everyone thinks of buying a home, it’s not as easy as it sounds. This is where a mortgage comes in as the best option. Looking for the best choice of loan can also be challenging because, apart from interest rates, other factors also count. Seeking some advice from a financial expert keeps you from committing to the wrong option.
Below are some of the loans a mortgage company may suggest:
These are mortgages that have fixed rates and are not guaranteed or insured by any federal government. It’s a bit challenging to acquire these loans because of the many requirements involved. The conditions include a high down payment, income, and credit score assessment. While that’s a rigid requirement, conventional loans have some costs that are lower compared to guaranteed loans. This type of loan will depend on an individual’s financial position.
Federal Housing Administration (FHA) Loans
These are loans that are usually insured by the government and offer an affordable down payment, sometimes as low as 3.5%. These loans can be used to purchase or refinance one to four unit properties. It’s relatively easier to qualify for this than conventional loans because the requirements are minimal and relaxed. FHA loans from mortgage providers are the perfect option for the first-time homeowner.
Veterans Affairs (VA) Loans
Veterans Affairs loans are flexible because little to no down payment is required. There are no additional costs such as mortgage insurance, and you are also provided with total financing. The loan has fixed-rate terms of 10, 15, 20, 25, or 30 years. They are the most favorable type of mortgage loan because the requirements are quite flexible.
Since everyone wants to own a home rather than rent, it’s good to understand your financial position first. Without making any hasty decision, consider the available options depending on what you can afford. These are not simple decisions to make unless you are a financial expert.
“Diamonds are forever” as they say. True or not, turning jewellery into a business has its own advantages and risks. Before getting into the industry, here are three important questions to ask. Let them guide you in making the right decision.
Do I Have Enough Start-up Money?
Jewellery is expensive and trying to turn it into a business will involve several costs. If you already have a collection of jewellery, which you are willing to use as preliminary materials, then you are on a good start. However, it is important to save enough money for other business costs such as purchasing machines, product packaging, and managing of taxes and legal documents. In addition to these expenses is the possibility of employing extra help. To determine the start-up money you will need, create a budget plan that covers your business’ first two years.
How Do I Find a Manufacturer?
While most jewellers design and craft their own products, a number still prefer to work with manufacturers. Jewellery artisans are hard to find and even if there are some nearby, finding one that suits your style can be difficult. According to JewelCast Ltd, a jewellery manufacturer from the UK, the best way to find a jewellery artisan for a local jewellery business is by doing a lot of research. Start by determining the style you would like to employ and searching for manufacturers that practice the aesthetic. Also, ensure that the manufacturer is within the vicinity as to prevent travel and shipping costs.
Do I Need to Put Up a Store?
Putting up a physical store sounds good business, but the costs that come with it can be too much. In this age of websites and social media, a number of jewellers prefer to sell their products online. Apart from cutting the costs that come with a physical store (rent, maintenance, security) it also allows them to manage other businesses. However, if you have enough money and see the business as a long-term commitment, then a physical store is tremendously beneficial for your brand.
Putting up a jewellery business involves a lot of costs, which you should prepare for. Make sure to reach a wise and beneficial decision before investing entirely.
Doors, no matter how beautiful, often go unnoticed. They’re like trimming and moulding. People don’t really see them until something goes horribly wrong. But how your interior doors look and feel can have a big impact on how the entire room looks and feels.
Triline Quality Door Systems shares that the best internal doors combine style and function. Whether you’re reconstructing or remodelling your house, it pays to put a little bit more thought into what doors to install.
Here’s what to consider when choosing interior doors for your house:
Style of House
Choose doors that complement your décor of choice. A contemporary house goes well with minimalist flush doors and glazed doors, while reclaimed doors give your home character. If you don’t have a lot of space, folding and sliding doors are the answer.
Size of Door
Most internal doors run 762 mm in width and 1,981 mm in length. Thickness is anywhere between 35 to 40 mm. However, you don’t have to conform to these measurements. Imposingly large and wide doors can give an airy, bright feeling to a room.
Hard and soft woods, such as mahogany, cherry and pine, are traditional choices. But they’re not recommended in areas where moisture can cause the wood to expand, like bathrooms. Metal and glass options are also popular and offer a chic, modern look.
Consider getting fire-rated internal doors that pass Australia’s fire rating system. Fire doors can be part of an effective passive protection system against fires by sealing a room and preventing fire and smoke from seeping out. They also come in various styles and designs.
Your home’s interior doors affect the way each room feels. When shopping, consider the factors mentioned above, but don’t forget about how the doors make you feel. Your interior doors should make you feel safe and comfortable in your own home.
Diamonds are forever; you hear this often enough that it becomes true. But much like ill-fated relationships, diamonds don’t last ‘til the end of time.
The Hardest Natural Substance
The only thing that can cut a diamond is another diamond. This is true, but the hardest natural substance on earth isn’t immune to degradation. It can, over time and in certain conditions, deteriorate to graphite – the mineral you’ll find in pencils. A diamond degrades to graphite at high temperature.
Because the hardest natural substance in the world is also made of carbon, it will burn just like coal. Apart from high temperatures, poor handling can also affect the valuable gem.
Dirt from the oil in your fingers can take away a diamond’s brilliance. When it loses its sparkle, your diamond jewelry can lose its appeal. Over time and with enough damage, its value also goes down.
It’s important to maintain the value of your diamond jewelry because it can help you with future financial problems, such as emergency repairs at home. When you retain the brilliance and value of your diamonds, you can use it as collateral to get a substantial loan. A diamond loan service would serve you better than if you were to pawn your diamonds. A loan gives you better terms, which will allow you to reclaim the precious jewelry.
But how do you take care of your diamonds? First, handle your precious jewelry with care. Second, clean it with a degreasing solution, and gently scrub away dirt with soft, clean toothbrush. And third, store your diamond jewelry in individual, fabric-lined packages. You can also wrap your diamonds in soft tissue paper.
Precious jewelry needs proper care. Even the hardest substance on earth needs thoughtful maintenance. When you look after your diamond jewelry, it may just outlive you.
Everyone could use a bit more money in their savings account. In fact, there is no point to being wasteful. It doesn’t help you; it burdens you, and it burdens the environment, as well. Here are some simple tips to make sure you have more money left for your savings every payday.
Mind how you use water
Water is the most important liquid in the world, but there’s still a lot of it so it’s cheap. The problem is, there will come a day when clean water will become rare and expensive. Just watch Waterworld and The Book of Eli. Do your part in saving water. Fix any leaks in your plumbing. In fact, call a plumbing contractor in Denver like Done Plumbing & Heating and have them repair or replace leaky pipes. Instead of setting your sprinklers to automatic, water the garden yourself. Don’t buy or use a dishwasher. Buy rubber work gloves and dishwashing soap and do it manually.
Mind how you use electricity
A dishwasher isn’t just a water-waster; it’s also an energy hog, so wash your dishes manually. Instead of using a clothes dryer, buy a clothesline and air dry your clothes and sheets when the weather permits. Replace all your old light bulbs with LED; LEDs cost more to buy, but they are brighter, last longer, and use only a fraction of the power your old bulbs use. Get rid of old appliances that do not comply with modern energy use standards. Check if your refrigerator doors still seal in the cold air. Have a professional check your home insulation. Poor insulation is one of the most common reasons households spend more on energy.
Sell your car
If you don’t really use your car anyway, just sell it and replace it with a bicycle. If you still need a vehicle, but what you own now is a gas-guzzling SUV or a pony car, sell it and buy a smaller and more fuel-efficient model, like a Mini, a Honda Fit, or a Chevrolet Spark. All of these cars are big enough for a family of four, but they cost a lot less to own. You even save on parking space.
You can also just sell your car and put the money in your savings. Take the bus or train to work, ride your bike, or carpool with friends. It’s so much cheaper and you don’t contribute to the traffic situation.
Don’t buy new clothes
How many sets of clothes do you have? Do you even wear all of them? Get rid of the ones you don’t wear anymore by selling them online or in a garage sale, or donate them. Stick to enough work clothes for one to two weeks, some clothes for home and for going out, some for working out or playing sports, and that’s it.
There are so many ways to save more money if you are only willing to look at how you spend it. Follow this advice and watch your savings grow.
Often mistaken as having the same abilities as a scuba diver, commercial offshore divers know more than the basics of diving. They’re not your average diver.
For instance, an entry-level commercial diver requires additional training before they can assist underwater construction services. Uccdive.com added that they have to use different types of diving gears, several types of materials, and plenty of skills to carry out certain duties.
The Dynamic Role
Commercial divers inspect and repair services in offshore oil. For both offshore and inshore services, they are necessary for the fitting of power plant outfall and intake pipes, in harbor construction, and in pipe pulls. These divers need thorough experience and training to ensure that underwater facilities are on stream even if it is through underwater welding, security of a platform, or recovery of a vessel.
Like anyone who spends a long time underwater, the U.S. Department of Labor says commercial divers are at risk of hypothermia, respiratory and circulatory problems, and drowning.
The Deepest “Deep”
Marianas Trench has the depth of 11,033 meters below sea level and is the deepest place among all oceans. It lies north of Guam in the Pacific Ocean running for 2,550 km below the waters lying between Japan and Australia. The only known person who has ever reached the depths was the explorer and movie director James Cameron using a manned craft.
Cameron constructed a 24-foot submersible vehicle for the dive, calling it the Deepsea Challenger. He describes it as a long, green torpedo that vertically maneuvers through the water. Equipped with nine and a half inches thick window, he was able to watch his descent and view the remarkable species on the ocean floor.
The new technology and vehicles today enable mankind to investigate more on the mysteries that lie in the deepest ocean floors. Someday soon, this capacity will be able to benefit commercial divers in their work.
Plumbing, in some form or another, has been around for centuries. As time passes, the skills and knowledge of humans about it has evolved and today, many countries have sewage and sanitation systems.
Households across the world mostly have their own plumbing system. Plumbing is vital to life in an urban setting to ensure that the population remains healthy. Of course, everyone today needs clean water to drink, which is primarily brought to homes by pipelines. On the other hand, wastes are also discarded and flushed out of the houses and out of the town as well.
With all these benefits, it’s important to take note that plumbing maintenance is really important. Here’s why:
Drainage and Sewage Lines are Improved
Regular plumbing maintenance would help improve your drainage and sewage lines, avoiding sudden problems and leaks. Denver plumbing service companies are well-versed with the know-hows of the plumbing system including pipelines. Hiring plumbers would ensure that your system is maintained and serviced.
Prevents Breakage and Leakage
When your plumbing system is regularly serviced, sudden breakage and leakage are prevented. This is because your plumber will make sure all pipelines are at their top shape, there are no corrosions and all defective pieces are repaired or replaced.
Plumbers are Well-Versed With Pipelines and Plumbing System
Sometimes, it’s good to do-it-yourself, but for complicated tasks like maintaining your plumbing system, it’s better to trust those who are trained, skilled and knowledgeable. They understand the entire network of pipes, eliminating errors and breakage.
There is no doubt that plumbing has evolved over the past century, and in the process, it has grown in complexity too. Though these complicated systems make life easier, when they bug down, it would be difficult to repair. That’s why plumbers are trained and skilled on their line of work and it’s recommended to hire experienced ones to do the job. This will ensure that the system will be fixed because the plumbing system requires the kind of care that only professionals can provide.
There are many reasons why people would choose to live in smaller homes with small rooms. Sometimes, it’s due to the rising cost of real estate. Others would just prefer the ease of maintaining a small space compared to a sprawling home.
That said, a small space doesn’t have to be restricting. In fact, a small space doesn’t even have to look small. Here are three tips to add some visual space in your small room.
Edit your space
It’s simple. If it doesn’t serve a purpose, it has no room in your space. Take out everything that’s just taking space, but doesn’t really have a function. Of course, it’s easy to justify keeping all your stuff. A good rule to follow that will help make the decision-making easier is to dispose of everything you haven’t used for a year.
Opt to install glass windows instead of blinds or jalousie. Especially around Auckland, United Glass believes that glass windows help bring some of the city’s charm in your home. If you’re living in a green neighbourhood, having large windows is a great way to bring outside colours into your space. This also lets in natural light which helps make your room look more spacious. Getting a bit of sunlight helps your overall health as well.
Leave some empty storage
If you really like filling up shelves with trinkets, you don’t have to get rid of them all just to make your room look bigger. A great technique is to leave some of the shelving empty. This creates an illusion of more space. Not filling up every shelf in the room or even leaving some of them half empty helps make the room look airy and uncluttered.
Living in a small space doesn’t mean you have to live with bumping into furniture 24/7 or having to deal with a stressful, cluttered room. If you’re wise about arranging and designing the space, you won’t even feel like your space is small at all.
Be clear of any legalities and debts in purchasing properties when you enlist the help of a title agency, which makes sure that your transactions are smooth and easy.
Purchasing a home is not a decision that you make overnight, and neither is the process of obtaining a title. The practice entails long and detailed procedures that are not purely business, but also legal in nature, explains an expert from Town Title Agency. As they ensure that the purchase goes smoothly and without any problem, title agencies in New Jersey have become popular.
What is a title agency?
As the name states, title agencies confirm that the land you’re about to purchase is legally cleared and is available to be sold and purchased. A title agency is also essential in completing the processes of purchasing homes or any property because it makes sure that all parties are involved, from the transaction to the processing of needed documents.
In addition to holding licenses, many title agents are also equipped with years of experience in their field. These agents handle all the research on the history of the property, taxes involved, mortgages made and all other legalities involved, before helping you sign the transfer of ownership to your name.
How can it help you?
A title agency offers various services that can make your purchase easier and less of a hassle than if you were to do the transaction on your own. The agents can collect money from the mortgage and pay the purchase for you, as well as present and file the necessary papers on your behalf, among other things.
Title agencies can help you complete safer and faster transactions. In New Jersey alone, there are numerous licensed and certified title agencies that can help you. Have a trustworthy and professional agent to assist you, and you will have a smooth title purchase.