All Information

Furniture Chain Relies On Independent Dealers

2007-06-12T10:54:00.001-07:00

TAMPA - If a company looks like a corporation and sounds like a franchise, but it’s not, exactly what has kept Badcock Furniture in business for more than 100 years?

Try a dealership.

This business model associated with car dealers and old-time gas stations is the heart of the Mulberry company now called Badcock Home Furniture and More. Today, more than 270 of the 318 stores sell their couches, beds and appliances via a dealership agreement between the home office and an independent dealer.

In its most basic form, a dealer selects company-owned inventory to sell in a dealer-owned or -leased building that bears the company name. In exchange for this consignmentlike arrangement, the dealer gets a portion of the store sales.

That differs from a franchise, a legal agreement involving a particular trademark. Those contracts often dictate the look, inventory and business operating system, but also involve the franchisee receiving a portion of sales.

Badcock Chief Executive and President Don Marks, who once spent his days running franchise operations such as McDonald’s Corp. and PepsiCo, sees plenty of distinctions.

He sees dealerships as the key to Badcock’s strategic plan that’s now pushing into its eighth state, Virginia, and hopes to add 12 stores a year. The plan offsets a recent announcement that Badcock will outsource its Mulberry mattress-building operation.

Badcock’s dealership model has weathered recent corporate changes, specifically a new brand image that asked dealers to invest in remodeling. The stores that remodeled saw sales bump nearly 30 percent the next year. Overall, annual same store sales are increasing 6 percent to 7 percent a year.

Marks recently identified several key issues involved in operating within a dealership model.

Defining roles: At Badcock, the company provides the inventory, market research and the important credit financing program that handles nearly 70 percent of sales. A 20,000-square-foot store holds about $600,000 in inventory, Marks said.

In turn, dealers shell out the money (possibly several hundred thousand dollars) for the building or rent and handle all the associated costs with their in-store staff.

The payoff for dealers: 25 percent of all receipts - including interest tied to credit sales - and clear-cut ownership in real estate if they own the building.

“When they retire, they sell the business and they sell the building, and it’s their return and their retirement,” Marks said.

Playing off strengths: As one of the nation’s 100 largest furniture companies, according to Furniture Today, Badcock focuses on controlling costs via its buying and distribution systems. Dealers focus on knowing the market to increase sales.

“We see that as a real positive,” Marks said.

“Our dealers go to church with their customers. They go to school with their customers. They sponsor Little League teams.”

Accepting some lack of control: In exchange for increased sales, Marks understands he can’t dictate every part of dealer store operations.

For example, he expects that as many as two dozen older dealerships may not agree with or invest in the conversion to Badcock and More stores.

“The biggest headache is that you have to sell and not tell. You’ve got folks who are independent business people. They get to make decisions,” he said.

“You don’t want to say here’s what you’re going to do and here’s how to do it. You don’t want to do that with company people, either, but it is easier to say here’s the new policy and we’re all going to follow it.”

Proving a point: Dealers will invest only if they see a commitment from the corporate side, Marks said. It’s important that there be some company-run stores and that those revenue figures are shared with dealers to show accountability, he said.

“If we have 40 stores and we do something wrong and make a mistake, we’re going to feel the pain much more than any dealer,” he said.

“So we probably won’t make those mistakes as often. I think it’s probably healthy for the dealers for us to have some company stores.”

One of the company’s newest dealers said the dealership model provides more training and business financial planning than a franchise operation. Bessie Whiteside, who owns a Clayton, Ga., dealership with her husband, John, said they felt adrift when they previously ran a furniture franchise.

Badcock’s model offered them advance business planning and provides ongoing training. She also likes that the company splits marketing costs 50-50.

“They don’t just throw you out there. The training is phenomenal,” she said.

Tribune photo by JIM REED

Don Marks, Badcock’s chief executive and president, says “it’s probably healthy for the dealers” that the company shows its commitment by running some of the stores and thus will “feel the pain” of corporate mistakes.

Tribune photo by GREG FIGHT; Tribune illustration by DAVID WILLIAMS

Independent owners of more than 270 Badcock stores sell merchandise for the Mulberry company and get to keep 25 percent of all receipts. Some of the older stores opted not to invest in the conversion to the new name.

Introduction

2007-06-11T13:06:00.001-07:00

Are you in need of cash?

Do you want to consolidate your debts?

Are you receiving home equity loan or refinancing offers that seem too good to be true?

Does your home need repairs that contractors tell you can be easily financed?

If you are a homeowner who needs money to pay bills or for home repairs, you may think a home equity loan is the answer. But not all loans and lenders are the same--you should shop around. The cost of doing business with high-cost lenders can be excessive and, sometimes, downright abusive. For example, certain lenders--often called "predatory lenders"--target homeowners who have low incomes or credit problems or who are elderly by deceiving them about loan terms or giving them loans they cannot afford to repay.

Borrowing from an unscrupulous lender, especially one who offers you a high-cost loan using your home as security, is risky business. You could lose your home and your money. Before you sign on the line,

Loan Category

2007-06-11T13:04:00.000-07:00

LOANS CATEGORY

	AUTO LOANS		MORTGAGE LOANS
	BAD CREDIT LOANS		REFINANCE
	PERSONAL LOANS		PAYDAY LOANS
	CREDIT CARD		HOME EQUITY LOANS
	CREDIT REPORT		DEBT CONSOLIDATION
	STUDENT LOANS		BUSINESS LOANS

The Loan

2007-06-11T13:00:00.000-07:00

When the going gets tough, the tough gets going. And for those who are out to struggle and win a decent survival in a tough world, money is no more a problem.

Now personal loans are offered at highly attractive rates. So you can comfortably say goodbye to financial constraints.

Bring home the ackers at extremely low APRs and easy terms and conditions offered by the online personal lending industry.

You can expect extremely borrower friendly personal loans online. Most of the times the lenders customise the loan terms and conditions as per the requirements of the borrower. This leads to a win - win situation for both the lenders as well as the borrowers.

Loans are also customised as per the purpose of the need. For instance,
You can get business loans if you want to start up your own entity or you want to trigger the growth of an existing firm.
You can get bad credit loans if you need money but are not able to get any loans due to your past credit records.
You can avail cheap loans if you want a loan but you don't think you can cope with high interest rates later.like a credit card

The APRs offered in the industry
Different lenders charge different rate of interest to the borrowers.

For secured personal loans, the APR may range from 7.9% APR Variable to 19.9% APR Variable.
For unsecured personal loans, the APR may range from 7.4% APR Variable to 41% APR Variable.

The better your credit records, the more you have an advantage in the APR charged.

However it is advised that you look at other aspects too before zeroing on any particular loan offer or lender. Sometimes you may get a very down to earth rate of interest, but the terms and conditions may clamp down on you. So you should priorities your requirements and select the loan accordingly.

Well, to sum it up in short, online personal lending, due to its easy terms and conditions and attractive APRs have open the door to many people who wish to purchase personal loans.

Bad Credit Mortgage Loans - How Does Your Fico Credit Score Affect Your Loan Approval?

How "bad" is bad credit? If you can pull your credit report yourself and get a copy of your FICO credit score, that will give you a good idea. Here is a general idea of the FICO score breakdown:

500 – 580 - Poor Credit - You should be able to get a home mortgage loan if you are willing to make a down payment, probably somewhere between 5-20%. You will probably need a sub-prime mortgage loan with a slightly higher interest rate.

580 - 620 - Fair Credit - You're right on the edge. You may be able to get 100% financing or you may need a small down payment to make the loan work. Depending on how much money you put down, you may be able to get prime interest rate.

620 - 640 Average Credit -You should get a 100% home loan financing. You should not need to have a down payment. You should be able to get a low interest rate.

640 - 700 Good Credit - You should be able to be approved for a 100 - 125% home mortgage loan. You should be able to get a great interest rate.

700+ Excellent Credit - You’re in the drivers seat! You should be able to get an excellent rate with excellent terms. Of course, all of these factors vary with each borrower depending on the size of loan you want and on your income and other factors.

What is the FICO Score Based On? Most of the FICO score is dependent on amounts owed and payment history. So, the fastest and best way to increase your credit score will be to make payments on time and keep old accounts open.

What Should I Avoid To Keep My Score High? If you are in the process of getting a new mortgage loan, avoid applying for or opening any new credit accounts. This can drop your credit score very quickly and make it that much harder to get approved.

Secured Business Loans: The Safest Way To Get Money For Business

Running a business needs a lot of courage and calculation on the part of the business holder. Also, it needs a lot of money which at times seem scarce in terms of needs. However, money is a need for anyone in the business field to get his business secured. Everyone needs loans to flourish in it, irrespective of his business being large or small. And, for all people irrespective of their credit or financial background there are secured business loans.

Secured business loans mean security at all the sides of the loans. The borrower, in secured business loans has to pledge one of his valuable assets as the security to the lender. So, the lender feels secured here. One may argue that in secured personal loans, there is a threat to your property. But, while your asset playing as the collateral for the lenders money, you are having the loans also at lower rates of interest and with longer repayment terms, which means you can pay off the loans easily and that means, there is not any threat also.

Secured business loans are available for every reason and for every sort of business, be it a small one or large one. Also, you can opt for the secured business loans if you are planning to start a new business and not having enough money to fulfill your dream.

Also, secured business loans are available for both the good credit holders and the bad credit holders. Only, in case of the bad credit holders, the secured business loans provider might charge a bit of higher rates of interest because of the credit record of the borrower, obviously.

However, if someone opts for secured business loans, he should go online since, going online gives you scores of options simply because, you will find all the lenders there, which creates a lot of competition. Ultimately, the lenders online competing with each other will also give you the cheapest rates of interest for your secured business loans.

Homeowner Loans Ahead To Fix Financial Worries

If you have got your own roof over your head that really counts, even when your money need is urgent. Let’s get deep into the statement. The statement means to say that when you are in need of money and there is no one who could personally help you out, the homeowner loans come ahead to serve your needs.

Homeowner loans are for the homeowner who needs loans and do not bother about pledging his home for the loans. These are the loans secured by nature. Homeowner loans secure the lenders by the borrower’s home playing as the security. But, this does not mean that the borrower will loose his home if he opts for homeowner loans. He will, instead, continue to enjoy the physical possession of his property. Only in case the borrower fails to repay the loans in due time, the lender is allowed to take over the property so long playing as the collateral. However, in homeowner loans, it is not at all a problem to pay the loans off timely because of the security assured only. The lender gives the loans in lower rates of interest and with longer repayment terms for he gets the security that his money will be paid back, other wise he can take over the property of the borrower.

Homeowner loans are available for everyone. It is open for all and the people who are having bad credit records are also eligible to apply for homeowner loans. But, they have to pay somewhat higher rates of interest to get the homeowner loans in comparison with the bad credit holders. This happens because these people applying for homeowner loans are advanced the homeowner loans in spite of their bad credit records.

However, homeowner loans are best served online, because online you can find a lot of more loan quotes coming from a lot of lenders who will give you the loans at the minimum rates because of the high competition prevailing in the market. You will only have to choose the best dealer from this lot.

What Taxes You Are Responsible For As An Ebay Seller?

There are three types of tax that you will be responsible for when you start your eBay business. They are 1) sales and use tax, 2) payroll tax and 3) income tax.

Sales and use tax - Just about every state, and many cities and other local authorities, imposes a sales tax on items sold. Each state has different rules, so it's important to find out the rules in your state and city. As a seller, you are responsible for collecting and remitting the proper sales tax to the state you live in. You are also responsible for preparing and submitting a report detailing the amount of your sales and the sales tax collected.

You may also be subject to use taxes. This is taxes on goods you purchased out of state that you did not pay sales taxes on. The use tax generally applies to items purchased out of state which would have been subject to sales tax if the purchase transaction had taken place in state. The use tax came about from the concern that purchasers could avoid paying a state's sales tax by making their purchases outside the state.

Payroll tax - The second type of tax that you are responsible for as an eBay seller is payroll tax. If you hire employees to help you with your eBay business, you are required to withhold federal income taxes, Social Security and Medicare taxes, and state income taxes. These taxes must be submitted to the proper tax authorities on a periodic basis (usually quarterly). In addition you must pay unemployment insurance and workers' compensation on all employees.

If you operate your business as an S or C Corporation, you will need to setup payroll for yourself, and remit payroll taxes on your own salary. If you operate as a Sole Proprietorship, you pay self employment tax instead of payroll tax.

Income tax - The final type of tax is the income tax. No matter how your business is structured, you will be required to pay income tax on the business' net profit.

Sole Proprietors pay income tax on their personal income tax return (Form 1040). Your business profit is calculated using Schedule C – Profit or Loss From Business, and your profit is added to your other income to determine your tax liability.

S Corporations file Form 1120S to report the business profit or loss. A Schedule K-1 is then prepared, which shows each shareholder's share of the net profit or loss that needs to be declared on their personal tax return.

C Corporations file Form 1120 to both report the business net profit and to calculate the resulting income tax.

Depending on the state you do business in, you may also be subject to state income taxes on your business profits. The state level taxes are often referred to as franchise taxes.

Mutual Funds: Low Risk Yet High Return

Why do we invest money in a particular busines? It is a question that you should answer first before you start any kind of business. Succesful investors always remember to include every detail on their planning activities-- and they have answered every vital question that they should address first.

You invest money for profit. Thus, you need to consider investments that can give you a high return. You might consider gambling your capital in a stock market, where every cent can be doubled or tripled, depending on market conditions. Since stocks could be easily acquired and sold, it is one of the viable options that you may consider in choosing an investment portfolio.

However, a high return may also come with high risk. Do you remember the unwritten rule "high risk yet high return" and "low risk yet low return"? It is true that investing in the stock market may give you a huge profit, but expect your capital to be at a high risk. Unstable market conditions might cause you to lose all of your money.

If you do not like taking high risks, the stock market is not an ideal investment for you. You may look for an alternative that could give you the same return but with lower risk than investing in stocks. If you are under this category of investors, then you might consider investing in mutual funds.

Mutual funds are a good alternative for investors who do not want to take the risk when getting a huge profit. It is a "common fund" or amount of money pooled by a group of investors with a definite investment objective. Such pooled money would be managed by a fund manager, an individual who specializes in different types of investments, such as bonds and stocks. He would be the one responsible in managing and investing the pooled money in different securities.

In mutual funds, all profits and losses will be shared among the fund's shareholders. In other words, all profits as well as losses will be shared among the group according to the percentage of individual share in the fund. For instance, if you are a group of five investors, investing $20,000 each, making your mutual fund to be worth a hundred thousand dollars. All profits as well as losses would be distributed on a 20-percent basis, thus reducing all possible risks.

Aside from the low-risk feature of mutual funds, you need not to be an expert in stocks or other forms of securities. The fund manager would be the one to take care of it. In addition, you can diversify your capital and spread it to other types of investment. Diversification means spreading all of your money into several investments. In case one investment is down, there are other investments that you can concentrate with. Thus, you will not be losing all of your money in a single investment as well as maximizing your potential profit through other types of investments.

The mutual funds will automatically diverse your investment across bonds or other securities. Again, the fund manager would be the one to handle all transactions and determine if it is viable for you to invest on that particular security.

Form a pool of investors and combine all of your capital into a single mutual fund. Share the huge profits out of diversified investments as well as enjoy the reduced-risk feature that comes along with it.

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Managing Money Related To Schooling Costs For Tax Breaks

Student loans are eligible for interest deductions on taxes. For example, the student loan interest deduction will allow you to take up to $2,500 as a deduction on any interest you paid on a student loan debt. Of course, the deduction is only good if you are actually using the loan to pay for a qualified program of higher education for yourself, your spouse, or your children – basically, anyone who can be listed as a dependent on your tax forms. To more easily identify the interest payments, consolidate debt related to student loans.

The tax deduction can be claimed if the money was used for college or vocational school related expenses including tuition, fees, books, equipment, room and board, transportation, and supplies. It cannot be claimed if someone else can claim the exemption, you are married filing separately, the loan was made by a relative, or in other limited instances.

Like any tax deduction that is based upon federal student loan monies, any costs you incur have to be reduced non-taxable distributions, other forms of assistance, and other non-taxable payments that were received for educational expenses. Because the world of finance can be confusing to the non-professional, if you have any doubt about whether or not your interest is deductible, you should check with the tax agency and/or a personal financial advisor. He can help you identify ways of managing money expenditures and tracking student related payments. It is hard to keep up with student loan and tax requirements, so you are better asking the professionals to help you on top of the ever changing rules. For example, in 2002 there was a change to the student loan program that discontinued the “first 60 months” requirement on interest paid, and made deductions for voluntary interest payments permissible as well as the required payments that were deductible from previous years. Tax forms were altered to allow the deductions to be taken from either Form 1040 or 1040.

Tax deductions related to school tuition benefits are a great benefit to families who want to help their children obtain higher education but simply cannot find sufficient funding. The costs associated with higher education are a big burden to anyone who incurs them, a tax break of this sort can offer a little bit of relief.

Build The Nest Early And Retire At 50

Investments are the rose-beds for old age. So it is imperative that you invest and ensure a comfortable future, after you retire. But investment involves a lot of strategy and planning. A smart investor would know what to invest, where to invest and most importantly, when to invest. As far as this ‘when’ goes, it’s always best to start building one’s nest early and hoard enough to retire at 50. That way, you can devote big time doing things closest to your heart post-retirement.

There are several ways to build one’s funds, but one must weigh the stakes and opportunities of every investment vehicle. The idea is to work hard, spend judiciously and save consciously. Unless you save at least 20%-25% of your income, you’ll probably not make it to an early retirement.

The big question is “how”?

Well, let’s begin from home. Cut down your expenses. Too much of eat-outs or unplanned spending are the usual deterrents to your savings. So check that. Then, may be changing your Lexus for the new Audi, and that for a Benz, all in a span of 10 years wouldn’t be a nice idea if you’re willing to build a ‘nest’. However, you must not stifle your living. Stay in the comfort zone, but be prudent.

Another significant way to grow your nest is by investing on a 401(k) plan, if your company offers one. A 401(k) has superb benefits—your money is directly saved from your paycheck, the money grows tax-free until withdrawn and your employer matches a percent of what you invest.

Next, invest your on IRAs. The traditional IRAs provide attractive benefits like the 401(k): it’s tax-free till withdrawn, you’ve a chance to deduct your contribution on your tax return, you can invest in anything. And if it’s a Roth IRA, you can’t deduct your contributions; but, you can withdraw money anytime tax-free and without penalty. The best part is: the money you reap from a 401(k) or IRA is taxed as your ordinary income. So it’s favorable for you.

Often people tap into the retirement savings prior to retirement. But this is totally uncalled-for as this leaves you with a much smaller nest after taxes and penalties.

Another common method to build funds is to invest in stocks. Though the stock market is never constant and is a risky mode of investment, the rewards are far too good to miss. It’s a huge advantage if you manage to understand stock market trends and invest accordingly. Keeping an eye on stock charts, or staying tuned to the market news helps a good deal on this regard. There are several websites dedicated to these. You may also consider taking a fund manager. But you must have 75%-80% of your portfolio in stocks, the market staggering notwithstanding.

So save throughout your career. And when the nest is ready, give wings to all your crazy desires for the rest of your life.

Know that You Have Rights under the Law

You Have 3 Business Days to Cancel the Loan

If you're using your home as security for a home equity loan (or for a second mortgage loan or a line of credit), federal law gives you 3 business days after signing the loan papers to cancel the deal--for any reason--without penalty. You must cancel in writing. The lender must return any money you have paid to date.

Do You Think You've Made a Mistake?

Has the 3-day period during which you may cancel passed and you're worried that you've gotten in over your head? Do you think your loan fees were too high? Do you believe you were steered into monthly payments you can't afford? Has your lender repeatedly pressured you to refinance? Is your loan covered by insurance you don't need or want?

If you think you've been taken advantage of, state and federal laws may protect you. Also, the following organizations may be able to help:

	Your local or state bar association--sometimes listed under "Lawyers Referral Service" in the Yellow Pages of your phone book. The association may be able to refer you to low-cost or no-cost lawyers who can help.
	Your local consumer protection agency, state attorney general’s office, or state office on aging, listed in the Blue Pages of your phone book.
	Your local fair housing group or affordable housing agency, housing counseling agency, or state housing agency.

You can learn more about credit and home equity loans by visiting the federal government’s web site for consumers (see the Home and Community section). If you don’t have access to the Internet, ask a friend or relative to get the information for you. Or visit your local library or senior center, which may offer you free access to the Internet on their computers.

Think Twice before You Sign

	Have a knowledgeable friend, relative, attorney, or housing counselor review the Good Faith Estimate and other loan papers before you sign the loan contract. Be sure the terms are the same ones you agreed to. For example, a lender should not promise one APR and then--without good reason--increase it at closing.
	Refer to the list of questions you’ve written down. Ask where these terms are covered in the loan contract. And ask for an explanation of any dollar amount or term you don’t understand. Don’t let anyone rush you into signing the loan contract.
	Make sure all promises, oral and otherwise, are put in writing. It’s only what’s in writing that counts.
	Get a copy of the documents you signed before you leave the closing.

Do Your Homework

Contact several lenders--and be very careful about dealing with a lender who just appears at your door, calls you, or sends you mail. Ask friends and family for recommendations of lenders. Talk with banks, savings and loans, credit unions, and other lenders. If you choose to use a mortgage broker, remember they arrange loans but most do not lend directly. Compare their offers with those of other direct lenders.

Be wary of home repair contractors that offer to arrange financing. You should still talk with other lenders to make sure you get the best deal. You may want to have the loan proceeds sent directly to you, not the contractor.

Comparison shop. Comparing loan plans can help you get a better deal. Whether you begin your shopping by reading ads in your local newspapers, searching on the Internet, or looking in the phone book, ask lenders to explain the best loan plans they have for you. Beware of loan terms and conditions that may mean higher costs for you. Get answers to these questions and use the worksheet to compare loan plans:

Think about Your Options

If you’re having money problems, consider these options before you put your home on the loan line.

	Talk with your creditors or with representatives of non-profit or other reputable credit or budget counseling organizations to work out a plan that reduces your bill payments to a more manageable level.
	Contact your local social service agency, community or religious groups, and local or state housing agencies. They may have programs that help consumers, including the elderly and those with disabilities, with energy bills, home repairs, or other emergency needs.

	Talk with someone other than the lender or broker offering the loan who is knowledgeable and you trust before making any decisions. Remember, if you decide to get a home equity loan and can’t make the payments, the lender could foreclose and you would lose your home.

If you decide a loan is right for you, talk with several lenders, including at least one bank, savings and loan, or credit union in your community. Their loans may cost less than loans from finance companies. And don’t assume that if you’re on a fixed income or have credit problems, you won’t qualify for a loan from a bank, savings and loan, or credit union--they may have the loan you want!

Canon Reseter All type

2007-06-11T12:38:00.000-07:00

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Winhip For Playstation2 Harddisk

2007-06-11T12:34:00.000-07:00

Winhip digunakan untuk memasukan game pada playstation2 yang telah menggunakan Harddisk,
pengisian file game dilakukan melalui komputer.
cara yang mudah untuk menghubungkan hardisk playstation2 pada komputer tanpa merubah jamper, ialah dengan menghubungkan kabel data yang biasa anda gunakan untuk cdroom.
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2007-06-11T12:32:00.000-07:00

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MBD is a Very useful

2007-06-11T12:30:00.000-07:00

MBD is a Very useful

This software that allows you to view mdb files on system without Microsoft Access installed. All you need are the MDAC 2.1 components or higher ( that you can get for free on Microsoft download page ).
MDB View will show you all tables included in the database, with all fields and records. You can see a detailed information for each record, and you can search for an element in the whole database. Then you can export all database tables, fields and records, both to external CSV (Comma Separated Values) and HTML files (with an editable CSS file). You can also open protected database if you know the password and you can view a database directly from the command line, making also possible the view of a database directly with the cd's autorun.
MDB View is freeware with a nag-screen that you can remove with a donation to the author. It runs on Windows 95/98/Me/Nt/2000/XP and its size allows you to bring it everywhere, even in a 720kb floppy disk. MDB View 1.0 is actually available only in English.

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YOGYAKARTA

2007-06-11T11:36:00.000-07:00

PARANGTRITIS BEACH

Parangtritis is the most attractive black sandy beach located 27 km from Yogyakarta. It is also a historical place with the legend known as Queen of the South "Kanjeng Ratu Kidul" or "Nyai Roro Kidul" who was married to one of the Mataram Monarch, Panembahan Senopati of whom she visited and communed with on certain occasion.

With this historical legend, Parangtritis is believed to be a sacred place for meditation and a place to perform traditional ceremonies.

This sandy beach is easily reached from various routers. It has a beautiful scenery and lime stones hills.

MOUNT MERAPI

This active volcano, Mount Merapi is situated north of Yogyakarta with a height of 2,920 meters above sea level. There are hill resorts on the mountain slope for relaxations with invigorating weather and one of them is well known as "Kaliurang".

Mountain climbing, camping and observing the incredible active volcano can be arranged through local in house Tour Operators.

Driving through Yogykarta's countryside, guests will enjoy the scenic farmlands spread out with the horizon of the mountainous landscape.

BOROBUDUR TEMPLE

Borobudur temple is one of the Seven Wonders of the World, which was built by Sanmaratungga in the most glorious time of Cailendra Dynasty in the 8 Century. This magnificent monument has a total of 1460 carved store relic, which describes the life story of Buddha.

Located 42 km from Yogyakarta, the Borobudur Temple is best seen in the early hours of the morning during sunrise and from the top of the temple, visitors can also enjoy the beautiful panoramic view of the surrounding farmland.

PRAMBANAN TEMPLE

Located 17 km from the city of Yogyakarta, Prambanan Temple was built during the Canjaya Dynasty in the 9 Century. This Hindu Temple consists of three courtyard and surrounded by several small temple called "Perwara Temple" and in the Hindu Trinity: Chiwa, Wishnu and Brahma.

Only 20 minutes from the hotel, you can experience the traditional Ramayana Dance during full moon

THE SULTAN PALACE KRATON

The Sultan's Palace or Kraton was firstly name is Ngayogyakarto Hadiningratan and founded in year 1755 by Pangeran Mangkubumi, which was then called Sri Sultan Hamengkubuwono I.

With the historical building designs, Kraton has many sets of traditional gamelan instruments, antiques and heirlooms that makes the Sultan's Palace one of the most interesting tourist sites in Yogyakarta.

Only five minutes from Melia Purosani Hotel, this palace is now as the dwelling place of Sri Sultan Hamengkubuwono X and his family.

BENTENG VREDEBURG

Benteng Vredeburg was built in 1765 by the Dutch during the colonial domination in Yogyakarta to protect the Dutch residents from the cannon shots Indonesia soldiers in the Sultan's Palace.

Only within walking distance from the city center of Yogyakarta, this historical fort was built a unique rectangular shape with bastions and ramparts in each corner.

IMOGIRI - ROYAL CEMETERY

The Imogiri Royal Cemetery was built in year 1545, a burial ground for all the Kings of Mataram Kingdom and the cemetery have to wear the traditional clothes and climb up abouth 345 stairs to reach a top of the hills where the tomb of Sultan Agung Hanyokrokusumo, the third King of the Mataram Kingdom was buried.

This Royal Cemetery is located on a beautiful hill about 20 km from the Royal City, Yogyakarta.

KUTA BEACH & SOUTH LOMBOK

2007-06-11T11:31:00.001-07:00

The best-known place on the south coast is Lombok's Kuta Beach (Sometime spelt Kute Beach), a magnificent stretch of white sand and blue sea with rugged hills rising around it, but not much else.

t very small development with far fewer tourist than in famous Kuta Beach on Bali, but there are big plans to develop a whole stretch of the superb south coast with luxury hotels.

After many years of speculation there are signs something is happening, with the road from Praya completely remade and big new road running to as yet undeveloped beaches.

Meanwhile, the low budget Losmen at Kuta are all on limited leases, and seem to trying to get maximum income from minimum investment-some of theme are looking decidedly squalid.

Travelers are reporting some hassles here too. People flock to Kuta for the annual Nyale fishing celebration. Usually falling in February or March each year, with thousands sleeping on the beach. The main tourist season is August and for the rest of year it’s very quite.

Nyale Fishing Festival

On the 19th day of the 10th month in Sasak Calendar-generally February or march-hundreds of Sasak gather on the beach. When night falls, fires a built and the young people sit around competing with each other in rhyming couplets called Pantun. At dawn the next day, the first Nyale a caught, after which it is time for the Sasak teenagers to have fun. In colorful procession boys and girls sail out to sea – in different boats - chase one another with lots of noise and laughter. The worm-like nyale fish are eaten raw or grilled, and are believed to have aphrodisiac properties. A good catch is a sign that the rice harvest will also be good.

SURFING

Plenty of good waves break on the reefs around here – many supposedly “Secret”. There are lefts and rights in the bay in front of Kuta, and some more on reefs east of Tanjung Aan. Local boatman will take you out for a few thousands rupiah. Go about seven km east of the Kuta to the fishing village of Gerupuk, where there are several potential breaks on the reefs at the entrance of Gerupuk Bay. Again access is by local fishing boat. There’s more breaks further east and west, from Blongas to Serewi, but nearly all require a boat: the charter rate is about 150.000 to 250.000 rp per day. Bigger yacht from Bali do surf charters along the whole of LOMBOK south coast.

There aren’t many secrets.

Indonesian Beauty

2007-06-11T11:12:00.000-07:00

INTRODUCTION TO BALI, INDONESIA

WHERE IS BALI?

The island of Bali is part of the Republic of Indonesia and is located 8 to 9 degrees south of the equator between Java in the West and Lombok and the rest of the Lesser Sunda Islands (Sumbawa, Flores, Sumba and Timor) in the East. Flying time to Jakarta is about 1.5 hours, to Singapore and Perth (Australia) 2.5 and 3 hours, to Hong Kong about 4.5 hours, and to Sydney/Melbourne about 5.5 to 6 hours.

GEOGRAPHY:

The island of Bali has an area of only 5,632 square kilometers (2,175 square miles) and measures just 55 miles (90 kilometers) along the north-south axis and less than about 90 miles (140 kilometers) from East to West. Because of this it's no problem to explore the island on day tours. You can go wherever you want on the island and return to your hotel or villa in the evening.

Located only two kilometers east of Jawa, Bali's climate, flora and fauna are quite similar to its much larger neighbour. The island is famous for its beautiful landscape. A chain of six volcanoes, between 1,350 meters and 3,014 meters high, stretches from west to east. There are lush tropical forests, pristine crater lakes, fast flowing rivers and deep ravines, picturesque rice terraces, and fertile vegetable and fruit gardens. The beaches in the South consist of white sand, beaches in other parts of the island are covered with gray or black volcanic sand.

FLORA:

The wide variety of tropical plants is surprising. You'll see huge banyan trees in villages and temple grounds, tamarind trees in the North, clove trees in the highlands, acacia trees, flame trees, and mangroves in the South. In Bali grow a dozen species of coconut palms and even more varieties of bamboo.

And there are flowers, flowers everywhere. You'll see (and smell the fragrance of) hibiscus, bougainvillea, jasmine, and water lilies. Magnolia, frangipani, and a variety of orchids are found in many front yards and gardens, along roads, and in temple grounds. Flowers are also used as decorations in temples, on statues, as offerings for the gods, and during prayers. Dancers wear blossoms in their crowns, and even the flower behind the ear of your waitress seems natural in Bali.

FAUNA:

Elephants and tigers don't exist any more in Bali since early this century. Wildlife, however, includes various species of monkeys, civets, barking deer and mouse deer, and 300 species of birds including wild fowl, dollar birds, blue kingfishers, sea eagles, sandpipers, white herons and egrets, cuckoos, wood swallows, sparrows, and starlings. You can watch schools of dolphins near Lovina, Candi Dasa, and Padangbai. Divers will see many colorful coral fish and small reef fish, moray eels, and plankton eating whale sharks as well as crustaceans, sponges, and colorful coral along the east coast and around Menjangan Island near Gilimanuk.

CLIMATE:

You can expect pleasant day temperatures between 20 to 33 degrees Celsius or 68 to 93 degrees Fahrenheit year-round. From December to March, the West monsoon can bring heavy showers and high humidity, but usually days are sunny and the rains start during the night and pass quickly. From June to September the humidity is low, and it can be quite cool in the evenings. During this time of the year, you'll have hardly any rain in the coastal areas.

Even when it rains in most parts of Bali you can often enjoy sunny days on the "Bukit", the hill south of Jimbaran Beach. On the other hand, in Ubud and the mountains you must expect cloudy skies and showers throughout the year (this is why the international weather reports for "Denpasar" or "Bali" mention showers and rain storms during all times of the year). In higher regions such as in Bedugul or Kintamani you'll also need either a sweater or jacket after the sun sets.

POPULATION:

Bali's population has grown to over 3 million people the overwhelming majority of which are Hindus. However, the number of Muslims is steadily increasing through immigration of people from Java, Lombok and other areas of Indonesia who seek work in Bali.

Most people live in the coastal areas in the South, and the island's largest town and administrative center is fast growing Denpasar with a population of now over 370,000. The villages between the town of Ubud and Denpasar, Kuta (including Jimbaran, Tuban, and Legian, Seminyak, Basangkasa, etc), Sanur, and Nusa Dua are spreading rapidly in all directions, and before long the whole area from Ubud in the North to Sanur in the East, Berawa/Canggu in the West, and Nusa Dua in the South will be urbanized.

ECONOMY:

This southern part of Bali is where most jobs are to be found, either in the hotel and tourist industry, the textile and garment industry, and in many small scale and home industries producing handicrafts and souvenirs. Textiles, garments, and handicrafts have become the backbone of Bali's economy providing 300,000 jobs, and exports have been increasing by around 15% per year to over US$400 million. Textiles and garments contribute about 45%, and wood products including statues, furniture and other handicrafts 22% to the province's total income from exports. Silver work is ranked third (4.65%) with 5,000 workers employed. Main buyers are the US and Europe with 38% each, and Japan with 9%.

Important agricultural products besides rice are tea, coffee, tobacco, cacao, copra, vanilla, soy beans, chilies, fruit, and vegetable (there are now even vineyards near the northwest coast). Bali's fishing industry and seaweed farming provide other products which are important exports.

The new free-trade regulations will create some problems for Bali's exporters as they do not allow to employ children. Most children here work for their parents, and this is part of the process of acquiring professional skills and kind of an informal education which has been very important in the Balinese society for centuries.

WHAT MAKES BALI SO SPECIAL:

There is the combination of the friendly people, the natural attractions, the great variety of things to see and do, the year-round pleasant climate, and the absence of security problems. And then there is Bali's special "magic", which is difficult to explain.

As soon as you step off the plane you might sense the difference. In the villages you'll notice the quietness and wisdom in old people's faces, and the interest and respect in the young's. Old men sit at the road side caressing their fighting cocks. Beautifully dressed women walk proudly through rice fields and forests carrying offerings on their heads to the next temple. There is the smell of flowers, and in the distance you hear the sound of gamelan music.

Gods and spirits have been an important part of Bali's daily life for hundreds of years. Gunung Agung – Bali's holy mountain – is internationally regarded as one of the eight "Chakra" points of the world. This may be more than an coincident. Watch out, the moment you feel the magic of this island, you're addicted for the rest of your life.