Archive for January, 2010

Private House at Batununggal ( Bandung )

Conceptually, this house employs two buildings that are perpendicular to one another and being separated by a continuing axis that connects main entrance door to the opening of inner garden. This axis becomems the main circulation of ground floor as well as the upper floor and indirectly connecting the front garden to the inner one, creating ventilation across the central part of the house. As such, it is also indicated by modular squares on upper part of the walls that let lights as well as air get through

The building is designed in modern style and dominated by geometrical mass and planes in the form of boxes and lines being integrated harmoniously with the natural colours of the materials employed. Each segmentof the building looks straightforward and neat without any artificial usages of materials.hence, the building is simple without unnecessary ornament except functional componentssuch as the window frames that are also utilized to feature akind of building’s fins. Details such as door handles, window panes, hand railing and fence are dominated by interplay of thin vertical line to compensate the background that is mostly dominated by massive planes and masses.

Interior object such as furniture and lamps are also worked out by mcp to be in line with the whole design philosophy, which is, employing boxes, rectangular and lines. From the façade it is clear that the architect has successfully utilized all the functions inside for outdoor expressions while from the outside, on the other hand,it is easy to guess where is the reception room, bedrooms, garage and vertical circulation even though space above the garage is misleading because it looks like a study room at a glance.

Posted by on January 29th, 2010 Comments Off

Why You Want To Be An Insurance Agent With The Internet Today

Why Sell Insurance Products

By far, insurance products are the most sellable items that you can sell. Unlike satellite dishes, insurance programs are necessary to existence. In fact, insurance programs like life insurance The good news is that many Internet-based companies for are offering free websites for their insurance agents. In some cases, some of them offer free sales leads, which gives insurance agents more time to actually sell their products than finding prospects. Some sites also sell their leads at a competitive price per lead while others offer both free leads and sold leads for selling two types of insurance programs.

Commission Vs Average Income

In 2006, insurance agents earned an average of $58,450 in commissions, according to the US Bureau of Labor Statistics. The actual commission that can be earned by an insurance agent will largely depend on the commission package of the insurance company or the brokerage company. Generally speaking though, an insurance agent can earn up to 10% on health insurance programs, and from 20% to 90% commission on life products on the first year of the policy.

Posted by on January 22nd, 2010 Comments Off

Take a look at PITI When Setting Your Budget If Buying a Home

?

PITI is simply an acronym for the different components which make up your monthly mortgage Your PITI will be the actual sum of these components. There are some mortgages that have tax payments and homeowners insurance escrowed as part of the monthly housing payment. PITI therefore becomes the bottom line of your monthly mortgage payment or your mortgage plus tax plus insurance payment, to be more precise.

It is important to know your PITI because it is often what mortgage lenders will look at as the minimum asset amount that a buyer must present as a reserve to be qualified for a mortgage. Lenders, of course, are looking to reduce the risk of default on the mortgage loan.

If your loan payments are going to be $1,750.00 per month, the lender will require you to present $3,500.00 in documented assets such as savings and/or checking accounts, 401k, stocks, bonds, etc.

When the subprime crisis began, mortgage lenders were typically asking for two months of PITI for dwellings that were going to be occupied by the owner and second homes and/or vacation homes required three to four months of PITI.

Posted by on January 16th, 2010 Comments Off

Any have style investing in the property

Item#1:

Investing Real Estate opportunities are something that you really will want to consider if you have the funds available or the lending sources in place.

Item #2:

You could in turn take this and invest it towards other property investments.

item #3:

If you are considering investing then perhaps are more long term you could consider land investment. Item #4:

You can also consider commercial property as a means of investment as well. They type of commercial property investment that you enter into could be time demanding as well so you will want to consider this as well.

Item #5:

Consider property flipping.

Item #6:

Property investment is a potentially very safe investment.

All of the investing real estate opportunities mentioned here are but a few examples of what awaits you in the realty investing world. It is a matter of really doing your homework and learning as much as you can about property investing in general, and then concentrating on the type of property investment that interests you.

Posted by on January 8th, 2010 Comments Off

BLUE SERVICED APARTMENT AT BEKASI TIMUR

Constructing a vertical housing in newly developing town in Indonesia  today needs to be supported by reliable infrastructures. Being a satellite town to Jakarta, bekasi has a very big concern on the accessibility of its transportation system. Hence each housing project must bring about a strong concept in macro scale and uniqueness in the micro scale. The blue oasis city’s answer is the concept of city in the form of an integrated area with strong commercial area as the central attraction featuring water theme park and hotel. Within the micro scale, the answer is the blue river serviced apartment as an alternative housing especially for expatriates working in industrial estates of bekasi. Local inhabitants

Particularly those who have a good prediction on the development of this satellite town, may utilize this facility for their investment blue river serviced apartment is located within the blue oasis city. It is city within a city in the east side of bekasi that integrates living activities with shopping and recreation in an area of 7,6 hectares. This apartment is to accommodate housing needs of the expatriates working in industrial estates around bekasi with international standard of operation. However, the complex is also hoped to provide a choice for those who deal and work as well as use water for their.

Posted by on January 2nd, 2010 Comments Off