Civet coffee (Luwwak Coffee) mint flavors

What do you think if you hear about Givet Coffee or Luwak coffee? Will you be my think about coffee with special coffee taste. Luwak coffee verry famous in the word because of the taste. The price of Civet Coffee is verry expensive, but the price is worth a taste. So what do you think if you hear about Civet Coffee with min flavors?

As at the posting in the forum detik.com (http://forum.detik.com/wow-ada-kopi-luwak-rasa-mint-t290308.html) that in West Lampung is developing Luwak coffee mint flavors. With the development of civet coffee variant is expected to increase the attractiveness of West Lampung as a tourist destination in the province of Lampung.

Luwak coffee with mint flavour is a new variant of coffee flavor, Luwak coffee ment flavour-making ideas into a strategic move to boost sales of these products luwak coffee. Variations Luwak coffee products in West Lampung will impact on employers' economic improvement, other than that of the new product will add to the diversity of processed coffee products. ( Gunawan (38), luwak coffee entrepreneur from Way, Kecamatan Balik bukit, Lampung Barat, in Liwa

West Lampung is the largest coffee producing areas in Lampung Province. For half of the coffee region were developed as the main livelihood of local masyarat.

Kopi Luwak become one of the leading products in the district of West Lampung. Coffee product called West Lampungincreasingly recognized in foreign countries. Luwak coffee production is still limited mint flavor. Employers only meet consumer demand Based on the orders. Mint Luwak coffee prices reached Rp900.000/Kg.

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Spices from the Maluku

Maluku known as the Thousand Island area and has a socio-cultural diversity and abundant natural wealth. The Dutch called it 'the three golden from the east' of Ternate, Banda and Ambon. Before the arrival of the Dutch, Portuguese writer and physician, Tome Pirez wrote the book 'Summa Oriental' who have engraved on Ternate, Ambon and Banda as 'the spices island '

The main commodities Maluku archipelago in terms of spices are cloves and nutmeg. Both commodities are now a symbol of the province of Maluku. Maluku Province is located in eastern Indonesia with the capital Ambon. fertile soil make the province of Maluku has abundant natural resources. not only well-known spice since antiquity, the sea was also already a commodity exports to several countries such as Japan and Thaialand.

After Splitting Provinis embarrassment, it gives birth to the northern province of Maluku. After the birth of North Maluku province is expected to natural resource management more leverage so as to increase the production of spices in north Maluku. until recently head of production at the new North Maluku reach 5,000 tons / year. nutmeg plantation area of ​​1,000 ha is one of the efforts of local governments to increase the production of nutmeg. with programs that support the development of production of spices and marine comodity  in the next few years Maluku will get rich with the spices and the sea.


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Mudik Time

Mudik or Homecoming is a tradition of Indonesian society during Idul Fitri arrived. The settled foreigner have prepared since long time back and forth time. for travelers that use train, They can buy the ticket 40 days before the day of homecoming time. for the travelers that use plane, They can bay the ticket about six months earlier.

Mudik usually do urbanites in cities to their rural homelands. Large cities become deserted while in the township became crowded during homecoming. Migrants from various regions gathered in their hometown. The gathering of the community is always accompanied by economic activity in the area. rural economy began to rise when going home arrived.

In addition to improving economic activity, the moment of going home can also be used as a means of promotion for rural communities. Many products - products that have a rural high economic value, but has been less developed due to lack of capital and marketing are not systematic. with the gathering of urban society from the urban, is expected to be intersting their interest to invest in goods from the countryside.

Urban communities are considered to have the ability to process the products produced in rural areas to be processed materials that have high economic value. Creative ideas and capital are expected to increase in the rural economy.

Selamat menjalankan Ibadah Shoum!

Selamat Mudik

Selamat Hari Raya Idul Fitri

Macroeconomic Assumptions Revised 2011

The economy is expected to grow about 6.5% in the State Budget Changes (APBN-P). The number is higher than the 2011 state budget assumption of 6.4%. This was conveyed by Deputy Finance Minister Anny Ratnawati, while Working Meeting (Meeting) with the Commission XI of the House of Representatives (DPR) at the Parliament House Senayan, Jakarta on Wednesday (06/07).

In line with the improving global economy and domestic, there is a change in the estimated sources of growth in GDP (Gross Domestic Product). "Sources of GDP growth in 2011 came from public consumption by 4.9%, 5.1% government consumption, PMTB (Gross Fixed Capital Formation) 9.5%, 14.1% of exports and imports 17.3%," explains Wamenkeu. Estimated GDP growth in 2011 will be the highest growth since the crisis of 1997/1998.

According Wamenkeu, is expected to shift the composition of the sources of growth. Rising oil prices in 2011 is estimated to boost the mining sector. While the estimated normal weather conditions and a variety of policies to increase agricultural productivity, is expected to enhance the growth of the agricultural sector.

Meanwhile, the inflation rate in 2011 is expected to be in the range of 6%, higher than the budget assumption for 2011 of 5.3%. The rate of annual inflation in June 2011 reached 5.54% (year on year), or higher than the same period in 2010 amounted to 5.05%. This occurs along with the increase in world commodity prices and continued high global demand.

NES 3-month interest rate will be the reference calculation of debt payments to replace SBI 3 months. Wamenkeu conveyed, during the first six months of 2011, NES 3-month interest rates fluctuate. "At the last auction, on June 21, 2011, interest rates SPN 3 months amounted to 5.44%," he said.

Problem strengthening of the rupiah, Wamenkeu argues, the average value of the rupiah in 2011 estimated at $ Rp8.800/US level. Reinforcement is influenced by several things. First, the strong capital inflows into the domestic market. Then, the increase in direct investment is encouraged by the improving investment climate and macroeconomic stability. Finally, the positive sentiment from the sovereign credit rating that will reach investment grade.

For the price of oil, the Government set a U.S. $ 95/barel in APBN-P 2011. "The average ICP (Indonesia Crude Price) January to June 2011 amounted to U.S. $ 111.0 / barrel, higher than the budget assumption of U.S. $ 80.0 / barrel," said Wamenkeu. He added, the average oil lifting the period December 2010 to May 2011 reached 888 thousand barrels per day (bpd), below the budget target in 2011.

Macroeconomic Assumptions 2011
GDB (Trillion Rp)		7.019,9
Growth(%)		6,4
Inflation (%)		5,3
Exchange Rate ($/Rp)		9.250,0
SBI 3 bln (%)		6,5
Oil Price (US$/brl)		80,0
Oil Lifting (Thousand.brl/day)		0.970
Coal Prod. (Million  tons)
GasLifting (MMSCFD)
APBN 2011 (In Trillion)
Gov. Revenue			1.104,9
-	Tax Revenue		850,3
-	Non Tax Revenue		250,9
-	Grant		3,7
Expenditure			1.229,6
-	Cent. Gov. Expenditure		836,6
-	Regional Expenditure		393,0
Financing			124,7
-	Domestic		125,3
-	International		-0,6

Source www.fiskal.depkeu.go.id

13th salary (Gaji ke-13) paid by Governments to the civil servants (PNS)

The government has prepared to disburse 13th salery this Jul. Policy to give 13th salery to civil servants since the government started Abdul Rahwan Wahin (Gusdur). Many pik that welcomes this policy as it is considered very effective to help the staff of the government to improve their welfare.

13th salery awarded in July or early to know the new school. So it is very helpful for civil servants to send their children to new school. This was confirmed by the Minister of Finance.

--<depkeu.go.id>--

Minister of Finance Agus D.W. Martowardojo affirmed that 13th salary paid by Governments to the civil servants (PNS) is a mandate of Law. It was submitted by the Minister of Finance when he was met after the plenary meeting with House of Representatives (DPR) in Parliament House Senayan, Jakarta, Tuesday (05/07).

Minister said, the 13th salary payment is a mandate of Law, so it is Governments’ obligation to conduct it. “Because of Law, we have to prepare the 13th salary,” he said.

Besides that, for smooth implementation, central governments remind local governments to always maintain their budget health, including in the case of 13th salary payment. “So, regions have to maintain their budget health. That there is region that is objected or imposed, it is a consequence that they have to prepare because of 13th salary payment,” he said. 

Minister explained, the regulation regarding 13th salary payment has been finished to discuss. This regulation has been finalized and ready to run on this July. “We are done and it has run this month.

--<depkeu.go.id>--

13th salery given for one month salary. If this is converted to a salary increase, then the same with a salary increase of 1 / 12 or by 8.43%. But if the government giveit in  the form of a salary increase of 8:34% then this will cause price increase or inflation which has been used to accompany the increase in salaries of civil servants.

13th salary (Salary to-13) must be paid Earlier

In the month of June is usually the parents are busy looking at schools for their children. At times like that's supposed salery 13th salary is provided at the beginning of June so pns already have the money when looking for schools for their children.

Effect of the digital revolution in consumer behavior and marketing

Digital revolution is a massive change in the use of digital tools. Digital revolution is meant here is the use of advanced technology in marketing.

Effect of digital revolution has caused a drastic change to the business environment, this can be seen as follows:

1. Consumers have more power than ever before.

2. Consumers have access to more information than ever before.

3. The marketers can offer more products and services than ever before.

4. The exchange between marketers and consumers will be more interactive and spontaneous.

5. Marketers can gather more information about consumers to quickly and easily.

Consumer Behavior:

Is the behavior of consumers, where they can illustrate the quest to buy, use, evaluate and improve their products and services. Focus of consumer behavior is how individuals make decisions to use the resources they have available to consume a product.

Two types of consumer

1. Personal Consumer: The consumer buys or uses goods or services for their own use.

2. Organizational Consumer: The consumer buys or uses goods or services to meet the needs and running the organization.

Production Concept

Consumers are generally more interested in products that are cheaper. Absolute is known that the object of marketing is cheap, efficient production and distribution-intensive.

Product Concept

Consumers will use or purchase products offered are high quality, best performance and feature-complete feature.

Selling concept

Marketers have the overriding goal of selling a product which unilaterally decided to produce.

Marketing Concept

The company wants consumers to know through research that has been done before, and then produce products that consumers want. This concept is called the marketing concept.

Market segmentation

Dividing the group of heterogeneous market into homogeneous groups of market.

Market targeting

Selecting one or more segments that identify the company to determine.

Positioning

Develop a different idea for goods and services that exist in the minds of consumers.

Providing customer value is defined as the ratio between the benefits perceived resources (economic, functional and psychological) are used to generate these benefits. Gains have been felt in the form of a relative and subjective.

Customer satisfaction is the individual's perception of the performance of the product or service in relation to expectations.

Maintaining customers is how to maintain that consumers remain loyal to one firm compared to other companies, almost in all business situations, more expensive to find new customers than retain existing ones.

Source : organisasi.org

Inflation

In simple inflation is defined as the increase in general prices and continuously. The increase in the price of one or two items alone can not be called except when rising inflation was widespread (or the resulting price increase) on other goods. The opposite of inflation is called deflation.

Indicators are often used to measure the rate of inflation is the Consumer Price Index (CPI). Changes in the CPI from time to time showing the price movement of a package of goods and services consumed by society. Since July 2008, the package of goods and services in the CPI basket has been done on the basis of Cost of Living Survey (SBH) in 2007 conducted by the Central Statistics Agency (BPS). Then, the BPS will monitor the price development of goods and services on a monthly basis in several cities, in traditional and modern markets for some types of goods / services in each city.

Other inflation indicators based on international best practice include:

Wholesale Price Index (WPI). Wholesale Price of a commodity is the price of the transaction between the seller / merchant the first major with a buyer / trader next big market in large numbers at the first of a commodity. [More detailed explanation about the WPI can be viewed at the web site www.bps.go.id Statistics]

Gross Domestic Product Deflator (GDP) price level measurements describe goods (final goods) and services produced within an economy (country). GDP deflator is produced by dividing nominal GDP at current prices by GDP at constant prices.

Grouping Inflation

Inflation as measured by the CPI in Indonesia is grouped into 7 groups of expenditures (based on the Classification of individual consumption by purpose - COICOP), namely:

1.       Food Group

2.       Food Groups So, Beverage, and Tobacco

3.       Housing Group

4.       Clothing

5.       Group Health

6.       Group Education and Sports

7.       Transport and Communications Group.

Source: Bank Indonesia

Comparison of silver and gold

Historical facts

In the past, gold and silver are considered a symbol of wealth and power of the king. The more gold and silver owned by the king, the higher the position of the king in the eyes of the people and the other kingdom. Gold and silver are commonly used as currency, jewelry and even used the throne as a symbol of greatness. But there are differences between them. Gold is more valuable and have a high position in terms of social status in the community owner. This view is further maintained for many years until now.

The availability of abundant silver

In nature availability of silver is more than gold. So that gold became scarcer and the selling price even higher. In other words, the more limited availability, gold becomes more exclusive than the silver. This is an effect on the price of gold and silver.

Academic assessment

In some states a lot of scientific work associated with the ratio of the value of gold and silver. And of course the value of gold is higher than the silver. In some poems also often use gold and silver as the ratio between the two different things.

In the case of medals, gold, silver, placed under

In a tournament, gold has always given to the first winner, while the silver for the second. gold value was more dominant than the silver.

But in the next few years it may have its turn. As in my previous posting

Property Investing Course

It should be a good strategy in determining investment in the property, but it was not easy. There are different kinds of Property Investing courses - Seminars, Property Sourcing, Real Estate Investing Coaching, Home studies plus and much more. The first decision you need to make is "What kind of Property Investment Course I want to do".

In terms of determining the type of investment in proverti largely determined by your current circumstances. Someone who already has 10 properties may be looking for something different than someone who just started their trip investment property.

The main point that separates the investment program most of this property

·         Some investment properties Colleges you step by step education or guidance on 'how to invest in property. Then after you finish the course investment property it's up to you to do the follow up of the knowledge you have gained.

·          Other property investment program will be much more 'one and one' and really hold your hand as you go through the process of purchasing your investment property. Generally, this course will be 'source' is actually a property to you.

So the Property Investment Course If you choose?

Education and do it yourself approach

Or

Let the professionals make decisions and approach to hold my hand

There is no right or wrong answer here, but it just depends on your personal situation.

Let's see some positive and negative aspects of both types of investment property only.

Education and do it yourself approach

This style is suitable for property investment are the people who have the desire (and time) to become a professional long-term investors. At the time this strategy will be difficult and you may even feel like giving up but if you choose a good course then you should feel supported enough to be able to put those instructions into action. The main benefit of this type of course is that once you have learned, understand and apply the information you will forever have these skills you want.

The best thing about most of the courses that property investment is that almost all 100% money back guarantee offer. This gives you the option of no risk to try the course and if he lives in the hope that then you can decide to save it.

Let the professionals make decisions and approach to hold my hand

This style is suitable for property investment are a number of different people. If you do not have enough time or just not interested to learn how to invest in property but wants the results of the few courses can be great. Or if you want to become a professional investor but feel like you need a helping hand with the first one or two properties that you buy - just to make sure you do everything right.

Generally, property investment program that includes sourcing property will cost a little more than programs that only offer education.

So what type of person are you? Remember that there is no right or wrong answers, you just need to find a property investment course that best suits your needs. The most important thing is that you actually take some action and start your property investment journey. If you have not bought an investment property then this time may feel like an impossible dream but trust me - once you start increasing your knowledge will be surprised how quickly you can begin to create a portfolio of properties.

Choosing Business Location

In a business, location is a very important role in achieving success. Especially in the retail business. Before determining the location of the retail business there are some things you need to note that later can be a consideration in determining the location of your retail business. Consider the following questions:

1. Who are your customers?

2. How do you visualize your building?

3. Do you know what you want to sell and what the benefits of your business?

4. Area where your retail, storage, office, or the size you need?

If you do not know the answers to these questions, it will be difficult for you to find that perfect location to produce the maximum profit for your retail store.

Commodity

Identify what type of product you sell, because some products will require certain types of locations. You need to know whether you should consider a shop, store or shop the special shopping.

1. Comfort items require easy access, allowing customers to make quick purchases. A mall would not be a good location for convenience goods. These products are low price and bought by many customers.

2. Specialty goods are more unique than most products and customers generally will not mind traveling out of the way to purchase the product. A specialty shops can also do well near other shopping stores.

3. A shopping stores typically sell at higher prices are often carried by the customer. Furniture, cars and clothing are examples of high-end products found in a store shopping. Because prices of goods, customers usually want to compare prices before making a purchase. Therefore, retailers would do well to find their shop in similar stores.

Population and Your Customers

Regional research carefully before making a final decision. Read local newspapers and talking with other small businesses in the area. Get the demographic location of the local library, trade room from the Census Bureau. These resources will give you information about, income and age of local residents. If you know who your target market, make sure you find the location where they live, work and shop.

Accessibility, Visibility and Traffic

An area with a lot of traffic does not mean that it will also generate a lot of customers. Retailers want to be placed where there are many buyers but only if the purchaser meets the definition of their target market. small retail stores to take advantage of the traffic near the larger stores.

1. How many people walk or take a train through the site?

2. Is the area served by public transport?

3. Can customers and delivery trucks easily in and out of the parking lot?

4. Is there adequate parking?

Depending on your type of business, it is wise to have somewhere between 5 and 8 parking spaces at 1,000 square feet of retail space.

Signage, Zoning and Planning

Before signing the lease, make sure you understand all the laws, policies and procedures relating to the location of your grocery store. Contact the local city hall and the commission zones for information about the regulations regarding signage. Ask about any restrictions that may affect your retail operations and future plans that could change the traffic, such as road construction.

Competition and Neighbors

Other business areas in the candidate location you really can help or hurt your grocery store. Determins if your type of business that is compatible to your store. For example, a high-end fashion boutiques may not be successful in the various discount stores. Place next to the nail salon or hair and may be doing more business.

Business coaches

In each case every one need a teacher. Humans can learn from the seniors, the experience of others, books, or on natural events. Likewise, if you want to succeed in business in a relatively short time then we need teachers. There are several reasons why we need teachers in the business, such as:

1. Coach gives way of looking outside the box

It is impossible for everyone to look at him self. Coach can see what is the weakness of you. Like a chess game, people who see these games can usually be more to see the weaknesses of the players. Thus the coach could give advice to you in taking action

2. To make sure you stay on track

In every business there is usually a short-term plans, medium term and long term. Most of us difficult to continue to follow a predefined plan. Thus the coach can serve as a watchdog that will remind you if you've strayed far from the plan.

3. Coach can be a stabilizer Motivation and Energy

We know that the spirit can rise and fall. By engaging in an intensive program, coaches can work as a voltage stabilizer that stabilizes the spirit, to still have enough energy to the finish line. Coach has the ability for athletes “SPIRIT”, and energetic performing each exercise.

4. Coach Gives clear SUCCESS MAP

Like was driving to a destination, a driver will have difficulty if you do not have a guide, at least there should be a guide map and compass tool. Coach has two functions, namely to give a map / road and in the right direction towards success.

5. Resource brainstorming two-way

Imagine, how good a coach as well as discussing a mutual friend to build. Coach will give positive feedback about all the things that are constructive, and this is very powerful for mental and physical development of athletes. Be a very big opportunity is wide open if this strategic relationship built consistently.

On the sports field to the presence of coaches, even in your business. The competition is going on during the business life, have we as business owners realize the hidden dangers due to not having a business coach?

source : antaranews

Make Business Out of Foreclosed Homes

At first glance, the prospect does not seem to spoil for those wishing to start their own business on the side while holding day jobs. It also may seem risky for those who want to jump into the business of selling real estate full time since the hotel was the former.

home for sale

Small-time investors to seek gold in the economy is bad, if you have a financial IQ can help sniff the good from the bad. When the bad economy at the beginning of 1990, Robert Kiyosaki Rich Dad, Poor Dad fame does not go directly to the local real estate office. Instead, he went to the office to find a bankruptcy lawyer in negotiating transactions taken over the house could easily sell it again in 90 days. The reason I chose to households in difficulty is that these properties are often sold at lower prices, about 30 percent less than their market value. All he had was subtle, simple way to finance standards, research, and a lot of guts to back him in his business.

Some smart people tend to keep their jobs and real estate flipping in his spare time. A small transaction is taken over the house to produce a few thousand dollars, and investors after they make the company grow into a full time hobby.

Rentals

How others can make money from seizures is through leasing. A good way to increase personal income from their work day is to have a steady cash flow of small houses can be rented. This is especially attractive to families or individuals who work and still can not commit to buying their own homes because the economy is bad.

When the benefits of the housing market is up, that are rented the same house could be sold, even for twice the price paid by buyers of bad moments. Everything is a matter of time and a good eye for business.

This scheme can be repeated again and again when people take a second look over the house.

Fixed Rate Secured Loans

Some time we need loans from friends, family or financial institutions such as banks. These loans can be for investment purposes, school fees, fees for medical treatment, purchase houses, purchase of vehicles and other financing.

When we decide to use banking services in financing our needs, then one thing of our concern is the bank interest. Each bank offers loans with varied interest rates. Some offer fixed rate and the other offer floating rate. Each offer has its own advantages respectively.

In a system of floating rate bank usually offers low interest in a certain time, for example the first year, and then use the floating system. In this system there is no certainty in interest rates after the fixed rate period ends. When the economy is good and stable condition, usually it is advantageous for the borrower, while in an unstable economic situation this could be a boomerang for the lender.

The system of fixed interest payments due to better ensure the sustainability of debt repayments and interest are not affected by economic conditions. Although the interest rate offered is usually higher than the floating rate system but this is safer for borrowers.

Each option has risks respectively. In addition to the interest system, there is also the sharia system more friendly for the borrower, although not so popular in the community. Every person has the choice of each and all of them back on their personal.

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One Stop Travel Deals

Author: Diana Bluche

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If you have been trying to find the best deals on one stop travel and want to be able to book your vacation easily and in one stop, you can go online and find everything you need to plan the best vacation. You can also find the best deals on some of the best locations to travel to. If you know when you are going to be traveling and want to find cheap deals on airfare and lodging, you can go online to the web site and find what you are looking for.

You can find that when you book all of your travel arrangements in one place and all together, you are able to save a lot of money. Booking your vacation online is quick and easy and in no time you will be able to find what you need to be ready to go. A lot of travel companies offer you great deals when you book early and choose a package that includes all of your expenses together. One stop travel is a great way to get the best deals on all of your travel expenses and plans. A lot of the popular hotels and resorts offer discounts when you book airfare and other travel plans at the same time.

If you have been trying to find the best deals on your next vacation and need to be able to plan when you are going to go, how you are going to get there and where you are going to stay, you can easily do all of that online at one stop travel. You will be able to choose from many of the best hotels and resorts that you can stay at and be able to choose your flights so that you find the best deals. If you plan early and book all of your travel plans online you can also save a lot of money and easily keep your plans organized. You can also get alerts for when the prices drop or if there are more affordable packages available.
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