Mother's father,
Growing up I more seldom say I love you guys. I feel it is childish. The fact is I love you and never even less is always more and more
I know you guys know, but somehow I want to say it. I can never repay you for raising me. There are many sacrifices that a child is never aware of until they mature. Cost was never an obstacle for you. You continue to give and give so that made me like this now.
I am very grateful to all of this. You have taught me many things, but the greatest of these is love all you guys. The strength and spirit you are the role model for me. I realized whatever I do and dream of, I can come to you and you do support me.
Forgive me if I had not enough to tell you, but always remember that I loved you always.
Your son,
Rizki Indra Pratama
Sabtu, 04 Desember 2010
Maybe Later
Maybe later when your hair is white and your body is no longer as strong as now. And sitting on your porch, holding the pipe in the morning you pipe your smoking routine. You'll remember me. The shadows of the past that you call memories.
Maybe later when your heart began to hate all rusty. when your heart began to open again. When I read about on it. Your heart. You'll remember me. The shadows of the past that you hate your life.
Maybe later when it comes many times menelusup miss your little heart. slowly but the more you feel defeated every missed. Until angkuhmu fade. You'll remember me. The shadow of the past who never loved you.
Maybe later when [the end]. You'll remember me. An ordinary woman who is always there beside you. Love you with all my heart. I'm still there. Awaiting you at the same place.
Maybe later when your heart began to hate all rusty. when your heart began to open again. When I read about on it. Your heart. You'll remember me. The shadows of the past that you hate your life.
Maybe later when it comes many times menelusup miss your little heart. slowly but the more you feel defeated every missed. Until angkuhmu fade. You'll remember me. The shadow of the past who never loved you.
Maybe later when [the end]. You'll remember me. An ordinary woman who is always there beside you. Love you with all my heart. I'm still there. Awaiting you at the same place.
Reply A Letter Of Enquiry
Blk 25, Hougang West St 21
# 01-2516
Singapapore 3456
25 November 2010
Mrs Hancong
Forward Enterprises
123 Jalan Kayu
Singapore 8901
Dear Mrs Hancong,
Thank you for your letter of Februari 14, 1987 enquiring about the types of flats. whether there are restrictions and tell when to lock the flat will be available to buyers.
You can order advance along with advance payment, for type 1 Rp. 20 million and for type 2 Rp. 30 million. We give discount 10% for 10 first buyer, and the keys to the flat will be given after the registration process.
Our sales representative will be very pleased to call at your flat. Once you have decided which model you prefer, delivery can be effected immediately.
Your faithfully,
Rizki Indra Pratama
Sales Manager
# 01-2516
Singapapore 3456
25 November 2010
Mrs Hancong
Forward Enterprises
123 Jalan Kayu
Singapore 8901
Dear Mrs Hancong,
Thank you for your letter of Februari 14, 1987 enquiring about the types of flats. whether there are restrictions and tell when to lock the flat will be available to buyers.
You can order advance along with advance payment, for type 1 Rp. 20 million and for type 2 Rp. 30 million. We give discount 10% for 10 first buyer, and the keys to the flat will be given after the registration process.
Our sales representative will be very pleased to call at your flat. Once you have decided which model you prefer, delivery can be effected immediately.
Your faithfully,
Rizki Indra Pratama
Sales Manager
Reply To Mr Tan Wing Hong / Reply a Letter of Enquery 2
Industrial Building
# 02-11
Singapore 0788
24 November 2010
Mr Tan’s
Associates Tan
#5 Jambu Road
Singapore 0788
Dear Mr Tan’s
Thank you for your letter requesting information to us about the split unit air conditioning for an office
Best suited split unit air conditioning system for an office with seven rooms of about 80m, and should be added a number of condensers and fan colls is needed Agre room feel comfortable, do not forget to look for efficient power consumption, we can help you to design and install appropriate to your liking at a reasonable cost, because the cost includes installation.
Our sales representative will be very pleased to call your goods. Once you have decided which goods you prefer, delivery can be effected immediately.
Your Faithfully
Rizki Indra Pratama
Sales manager
# 02-11
Singapore 0788
24 November 2010
Mr Tan’s
Associates Tan
#5 Jambu Road
Singapore 0788
Dear Mr Tan’s
Thank you for your letter requesting information to us about the split unit air conditioning for an office
Best suited split unit air conditioning system for an office with seven rooms of about 80m, and should be added a number of condensers and fan colls is needed Agre room feel comfortable, do not forget to look for efficient power consumption, we can help you to design and install appropriate to your liking at a reasonable cost, because the cost includes installation.
Our sales representative will be very pleased to call your goods. Once you have decided which goods you prefer, delivery can be effected immediately.
Your Faithfully
Rizki Indra Pratama
Sales manager
Selasa, 26 Oktober 2010
DID DEAR
DID DEAR
Love them know
Did dear,
I was crying in the darkness of night,
Fly makes me killed by wounds,
Left like a lament that threw time,
Did dear,
If each in deep sleep,
I'm down a dream by dream,
Without fatigue ...
Them know dear,
That some heart and soul has been split,
At the moment I feel your lips wet,
My soul like shattered like a raging desire lumatan
BY: YIYIN N HEART
Did dear,
Each day I witnessed the sadness of life,
Pain of love,
weight of suffering of longing,
Love them know
Did dear,
I was crying in the darkness of night,
Fly makes me killed by wounds,
Left like a lament that threw time,
Did dear,
If each in deep sleep,
I'm down a dream by dream,
Without fatigue ...
Them know dear,
That some heart and soul has been split,
At the moment I feel your lips wet,
My soul like shattered like a raging desire lumatan
BY: YIYIN N HEART
Did dear,
Each day I witnessed the sadness of life,
Pain of love,
weight of suffering of longing,
HEART IN A LANGUAGE
Heart In A Language
In a language of the heart,
lumatan is my lips are silent on the porch arid
I cornered fear, staring at the sun WHO Wrath,
'there is no story, and timeless,
love bite Slowly,
My stone lust, tearing all over skin and body,
dark eyes "in the arid heart,
conscience like without the estuary,
Until Pls I will from some Tortured in pain,
by gusts of fragrance That Invites your passions ... ..
not as sweet tears the soul,
I shouted as loud as my late wounds,
call the names of Obscure,
then I was lying in the weeds,
anesthetized by crushing sense of taste,
Raging Within the soul of the sick mutilation testimony,
auhhhhh ... ...! Good night, my heart!
In a language of the heart,
lumatan is my lips are silent on the porch arid
I cornered fear, staring at the sun WHO Wrath,
'there is no story, and timeless,
love bite Slowly,
My stone lust, tearing all over skin and body,
dark eyes "in the arid heart,
conscience like without the estuary,
Until Pls I will from some Tortured in pain,
by gusts of fragrance That Invites your passions ... ..
not as sweet tears the soul,
I shouted as loud as my late wounds,
call the names of Obscure,
then I was lying in the weeds,
anesthetized by crushing sense of taste,
Raging Within the soul of the sick mutilation testimony,
auhhhhh ... ...! Good night, my heart!
ALISYIA
ALISYIA
Alisyia aback by her own feelings ..... Instantly his face seemed nervous, so watch Arya sat in his living room ....
"Actually what you want?" Alisyia asked trying to cover up his own feelings.
Arya terenyum. He knew Alisya central nervous. But this is an important moment for sure, whether Alisya accept him or not.
"Alisy ....! I do not need to say anything, I think you better understand what exactly I want from you .....," Arya slowly bring myself to sit near Alisya. Until Alisya terpepet thigh to the tip seat.
Alisya face flushed, while the Aryan lips quivered. He so wanted to kiss a pair of lips Alisya ..... but it was out before he got the assurance that his love Alisya answer.
"Arya ....?" that's a word that came from Alisya. Then the girl just looked down. I do not know what these words mean the next. Throat Alisya insulated by something like a huge barrier. Especially when a moment later, with his mysterious Alisya stand, and away from Arya to sit in another chair. Arya is actually a little embarrassed, get Alisya evasion .... But he was sure, that Alisya do that simply because a strong religious ethics ...... In order to avoid adultery bigger .....
"How, Alisy?" asked Arya continued to press, "I need the assurance of my love .... Can you accept me?"
The Rain
THE RAIN
I wet the rain
Accompany quiet that settles
as I remember you
And all that sweet moment
Everything is like a dream
I lead its own life
If the time switch
I'm still not 'right change
I'm always happy
When it rains
For I can your remembering
Myself
There is always a story
Saved my heart
About you and rain
About our love
That flows like water
I can smile
All day
For the rain never kept you here
Me
I wet the rain
Accompany quiet that settles
as I remember you
And all that sweet moment
Everything is like a dream
I lead its own life
If the time switch
I'm still not 'right change
I'm always happy
When it rains
For I can your remembering
Myself
There is always a story
Saved my heart
About you and rain
About our love
That flows like water
I can smile
All day
For the rain never kept you here
Me
Rabu, 20 Oktober 2010
Sistem Informasi Akuntansi
Accounting Information Systems (AIS)
is a component of organizations that collect, classify, process, analyze and communicate financial information and decision making relevant to parties outside the company and external parties.
Accounting itself actually is an Information System.
SIA characteristics that differentiate it from other CBIS subsystems :
• SIA perform tasks Necessary
• Sticking to a relatively standard procedure
• Dealing with detailed data
• Focus historical
• Provide information on minimum breaking
Formed an important function of Accounting Information Systems in an organization include :
• Collect and store data about the activities and transactions.
• Process data into information that can be used in decision-making process.
• Perform precise control of the assets of the organization.
Accounting Information System Subsystems to process various financial transactions and non-financial transactions that directly affect the processing of financial transactions.
Accounting Information System consists of three subsystems :
• transaction processing systems, support the daily business operations.
• System for general ledger / financial reporting, generating financial statements, such as profit/loss, balance sheet, cash flow, tax returns.
• management reporting system, which provides the internal management of various special-purpose financial statements and the information needed for decision-making, such as budgeting, performance reporting, and accountability reports.
Various non-financial transactions that can not be processed by the usual Accounting Information Systems, processed by the Management Information System. The second difference is :
• SIA collect classify, process, analyze and communicate financial information
• SIM collect classify, process, analyze and communicate all types of information
An Accounting Information Systems add value by :
• Provide accurate and timely so that it can perform the main activity in the value chain effectively and efficiently.
• Improve quality and reduce costs of products and services produced
• Improve efficiency
• Improve the ability in decision making
• Increase knowledge sharing
• Increase work efficiency in the financial section
2 components of Accounting Information Systems, among others :
• Information Specialist
• Accountant
Examples of Accounting Information Systems as a center for corporate information :
• Marketing departments are considering introducing a new product in the company's production line, for that part of the requested analysis report estimates the benefits to be gained from the proposed new product
• The SIA project cost estimates and the estimated revenue associated with these products, then the data obtained are processed by the EDP. After processing the results returned to the SIA to later be given to the marketing department.
Both sections will discuss the results of the analysis is to look for an appropriate decision.
From the above example can be found in 2 aspects associated with modern business systems, namely :
• The importance of communication between departments that lead to the achievement of a decision.
• The role of AIS in providing information that can assist other departments to make decisions.
Accounting information generated by the Accounting Information Systems are divided into 2, namely :
• Financial Accounting Information, in the form of financial statements addressed to the extern.
• Accounting Information Management, useful for management decision making.
is a component of organizations that collect, classify, process, analyze and communicate financial information and decision making relevant to parties outside the company and external parties.
Accounting itself actually is an Information System.
SIA characteristics that differentiate it from other CBIS subsystems :
• SIA perform tasks Necessary
• Sticking to a relatively standard procedure
• Dealing with detailed data
• Focus historical
• Provide information on minimum breaking
Formed an important function of Accounting Information Systems in an organization include :
• Collect and store data about the activities and transactions.
• Process data into information that can be used in decision-making process.
• Perform precise control of the assets of the organization.
Accounting Information System Subsystems to process various financial transactions and non-financial transactions that directly affect the processing of financial transactions.
Accounting Information System consists of three subsystems :
• transaction processing systems, support the daily business operations.
• System for general ledger / financial reporting, generating financial statements, such as profit/loss, balance sheet, cash flow, tax returns.
• management reporting system, which provides the internal management of various special-purpose financial statements and the information needed for decision-making, such as budgeting, performance reporting, and accountability reports.
Various non-financial transactions that can not be processed by the usual Accounting Information Systems, processed by the Management Information System. The second difference is :
• SIA collect classify, process, analyze and communicate financial information
• SIM collect classify, process, analyze and communicate all types of information
An Accounting Information Systems add value by :
• Provide accurate and timely so that it can perform the main activity in the value chain effectively and efficiently.
• Improve quality and reduce costs of products and services produced
• Improve efficiency
• Improve the ability in decision making
• Increase knowledge sharing
• Increase work efficiency in the financial section
2 components of Accounting Information Systems, among others :
• Information Specialist
• Accountant
Examples of Accounting Information Systems as a center for corporate information :
• Marketing departments are considering introducing a new product in the company's production line, for that part of the requested analysis report estimates the benefits to be gained from the proposed new product
• The SIA project cost estimates and the estimated revenue associated with these products, then the data obtained are processed by the EDP. After processing the results returned to the SIA to later be given to the marketing department.
Both sections will discuss the results of the analysis is to look for an appropriate decision.
From the above example can be found in 2 aspects associated with modern business systems, namely :
• The importance of communication between departments that lead to the achievement of a decision.
• The role of AIS in providing information that can assist other departments to make decisions.
Accounting information generated by the Accounting Information Systems are divided into 2, namely :
• Financial Accounting Information, in the form of financial statements addressed to the extern.
• Accounting Information Management, useful for management decision making.
Poems about the universe
Poems about the universe
lovingly greeting wind
That touch my body arid
fly all aridity
horizon appears bright
her rainbow scarf
Season of Natural Splendor
Rumble on the beach chasing the waves
incessant struggle
Had raised my spirits
turn my guts
of my long sleep
green carpet pop
fenced river laxative fatigue
mighty mountain-Walled
facing tough times
me gusto present enjoyment
with all your Senses
Natural beauty is so perfect
reflected by a sprinkling of Difficult words
peace palace full highway
selaksa bladders savor
ubat grief Repellent
Burglar fug
echo the strains of bird sing
song calls for peace
Glittering keantero Universe
reducer emotional turmoil
bullet pride
rabbit family partying
above the green carpet
Covered happiness
a view of nature more scintillating
the eyes were reluctant to pass
seemed to swim in the lake of peace
Selasa, 19 Oktober 2010
STRATEGY & POLICY MANAGEMENT COMPANY
STRATEGY & POLICY MANAGEMENT COMPANY
According to Thomas L. Wheelen - J. David Hunger is a series of strategic management at majerial decisions and activities that determine the success of the company in the long term. These activities consist of the formulation / strategic planning, execution / implementation, and evaluation.
Strategy Management Objectives
a) Giving Directions Achieving Objectives Organization / Company
In this case, manager of strategy should be able to demonstrate to all parties where the goals of the organization / company. Because of a clear direction can be used as the basis for controlling and evaluating success.
b) Helping Thinking of Interest Various Parties
The organization / company must reconcile the needs of various stakeholders, suppliers, employees, shareholders, banks, and other public related to the company or referred to by the term Stakeholder Benefits, holding the role of the success or failure of the company.
c) Can Anticipate Any Changes Back In Evenly
Management strategy allows top executives to anticipate change and prepare guidance and control, so it can expand the time frame / think their perspective and understand the contribution that good for today and tomorrow.
d) Associated with Efficiency and Effectiveness
The responsibility of a manager not just concentrate on the ability of the interests of efficiency, but should also have a serious concern for working hard to do something better and more effective.
Strategic Decision Making Process
a) Rational decision-making analysis, the decision-making by considering all alternatives and all the consequences of choices that can be seen, and arrange all these consequences with respect to the exact scale of choice and choose alternatives that provide maximum results.
b) Emotionally intuitive decision-making, ie decision making by using feelings, experiences, thoughts, reflective, and the instinct's legal under the conscious mental process.
c) Political decision-making behavior, namely decision-making by using a number of pressure from others and are affected by their decisions.
Conclusion Management Strategy
a) Management strategy is essentially to choose the best alternative strategy for the organization / company in all respects to support the motion of the company's business.
b) Companies must implement management strategies continually and must be flexible to the demands of field conditions
Stock investment tips for beginners
"Stock investment" is something quite interesting in the field of business. due to the investment shares of a careful, we can benefit doubled in an instant.
Most of the people we never heard the word "stock" but often that still leaves many questions in his mind. For example, if investment in shares can be done by individuals? Or, if my income is less than Rp 5 million per month, can I invest in stocks? Or, if I want to invest, what stage and who should I contact? Well, because there are some emails that ask similar questions, then I might as well write it here.
As we all know, stocks are securities which shows the ownership of a company. You buy a stock means you buy part ownership of the company. During the company's operations and recorded a gain, you are also entitled to share in the form of dividends. You can also take advantage of the rising price of these shares from time to time. For more details, please download and learn the Indonesian Stock Exchange publication.
How to Start?
Before you begin investing, you should open a securities account in advance through a securities firm registered as a member of the Indonesia Stock Exchange (BEI). In addition you are required to deposit a number of deposits which can vary between Rp 10 million - USD 50 million. Individual securities are different from each other - there that offer full-service, there are only serving the buy-sell it. There is also a securities firm which provides online brokerage services, so you can make buying and selling via the Internet. Some of them are:
* Securities Etrading
* Indo Premier Securities
* Phillip Securities Indonesia
* Samuel Securities Indonesia
* Sarijaya Permana Securities
* Supra Securinvest
The full list can be viewed at this site: http://www.idx.co.id/MainMenu/Brokers/BrokerageProfile/tabid/72/lang/en-US/language/en-US/Default.aspx
Once you fill out the form, complete the requirements and administration, usually 2-3 days, then you can start investing. The amount of fee for the transaction of about 0.2% to 0.3% for buying and selling. Securities firms typically allow you to trade 2-3 times the value of the deposit that you deposited. Funds are usually transferred to / from your account on T +2 (buy) until T +3 (sell).
However, you also need to be careful with the broker. They are paid on commission and purchase-sale - no matter your profit or loss. Rogue brokers often use your funds without permission to do trasaksi own. In addition, some brokers (brokerage) also act as underwriters (underwriter) when a company registered in the stock. For reasons of marketing, they have an interest to keep the stock price is still "good." Therefore, do not make recommendations of analysts as a major source of investment - but as an input only. The best, of course, do your own homework!
Fundamental & Technical Analysis
In the investment world, there are 2 methods commonly used as a tool, namely fundamental analysis (FA) and technical analysis (FA). FA to assess stocks based on fundamental condition of the company itself, therefore, FA is more suitable for long term investment. A true FA usually does not merely analyze financial data, but also came to the targeted company, speak with management and owners, saw the vision, mission and strategic plan forward, and so forth. Not infrequently a true FA to fly all over the world to extract information directly from the company.
Meanwhile, the TA to assess the stock price based on the reflection of prices in the past with reading the sentiment, trends, and projections that may occur in the future. The TA will help you memerkirakan direction of price movement, making the boundaries of movement in certain circumstances, and indicate the target direction and its risks. TA is typically done with the help of software applications and many exploit graph (chart). Due to the nature and character, TA is more suitable for trading (speculation) in the short term or protection (hedging).
Particularly in Indonesia, there are some people who enter bandarmologi analysis (BA) as one of alternative tools. In summary, BA is done by searching a specific rumor and whisper, and then riding the airport when they would fry a share. BA is only appropriate to be done within a really short - and you have access to discover which stocks are ready to be fried.
Fried (cornering) is the action being undertaken to manipulate prices by creating a very high demand for these shares. After its share price target over a certain point, they then sell to achieve capital gains. Stocks fried food is usually a two-three-tier stock whose distribution is not much and the price is relatively cheap. They can go up and down with very dramatically for no apparent reason and the stock price does not reflect the actual performance.
Which is most appropriate? Each is only a tool that will be useful when used by the right people at the right time as well. I myself prefer the FA because my philosophy is to buy shares in order to have the company. So far, all calculated only with a calculator (or phone) and recorded on paper / folder without any special software. So far, I have not ever sell the shares I ever bought.
If you're interested in learning more fundamental analysis, please read the book The Intelligent Investor by Benjamin Graham, published by HarperBusiness Essentials. Originally, the book was published in 1973, but rewritten in 2003. Book Henry Markowitz, Portfolio Selection: Efficient Diversification of Investments, published by Yale University Press also deserve to be a reference.
In the meantime, if you'd prefer to technical analysis, I suggest you read the book Technical Analysis of the Financial Markets by John Murphy, published by the New York Institute of Finance (1986). There is also a suggested book Technical Analysis A to Z by Stephen Achelis (2003) - but I've never read. About bandarmologi analysis, so far seems to have no special writing a book about it. :)
Selecting Superior Stocks
Once your stock account is ready and you can make sale or purchase of shares, then the hardest part of the investment is to choose a hero who will give the best results for us. Because the stock is a sign of our ownership of the company, so it's good to think like business owners (business owner). Before determining which companies are willing to buy, do an investigation prior to the fundamentals of the company that you seek.
There are hundreds of companies listed in Indonesia Stock Exchange (BEI). You can start by sorting the companies with which you understand the field of business or companies that have products and superior service. Choose a company that you expect to continue to grow for 10, 20, 30 years into the future. Furthermore, the sorting based management and owners. Choose a company that is managed by a capable management team. Avoid companies that have a trend of "strange", for example, when a coal company coal commodity price rises but its stock price declined.
There is also a good idea to choose a company owned by government or professional well-known business group. Government-owned company (SOE) is usually "required" for profitable and contribute to the state through the receipt of dividends. Avoid companies that are owned (managed) by business groups that have less good reputation. Be careful because they not infrequently do the manipulation of financial statements or perform tricks rough financial engineering.
Warren Buffett advised to select companies that have economic moats, or competitive advantage that is difficult to be imitated by competitors. Economic moats could be advantages in the form of brands (brand strength), cost (cost efficiency), switching ("difficulty" to switch to products / services), or the protection (protection of patents, property rights, government regulation, etc.). Economic moats will make the customer willing to pay higher. Therefore, companies that have good economic moats will be more profitable and still be growing - even if interest rates or prices are rising.
Some people also recommend to buy big companies berkapitalisasi (bluechips) and a liquid and often dijualbelikan (LQ45). Note also if the company plans to repurchase (buyback) of their shares. Usually it is a sign of their shares more cheaply valued and have good prospects in the future.
Still confused as well? Maybe you can get a little "cheat" a portfolio of stock mutual funds so far have moncer performance. Stomach contents of such mutual funds can be seen from the annual report and / or their prospectus. You can use their portfolios as guidance for selecting companies that will be where you invest.
Well, if you sort the several hundred companies listed on the BEI, so until this stage the remaining options may live only 20-30 companies. Find more information about the actual condition of these companies, such as from employees, clients, suppliers, or accountants who audited the company. When you have time, visit the company in order to get a more complete picture. If not, then you have to "make sure" that the financial statements already reflect the real condition of the company.
Read the financial statements and annual reports companies that you seek. You can find it here, here, and here. Alternatively, you can also download the relevant company web site.
Choose a company with a return on equity (ROE) of more than 15%. This illustrates how the management capability in managing its equity. If ROE is only around 8-9%, then invest in these companies is tantamount to saving money in time deposits.
Next, select the companies that profit growth (earnings growth) is stable ranging from 20% or more. Select is also a company that has a ratio of debt to equity ratio is relatively low and the low price per free cash flow. That is, firms can generate large amounts of cash to finance its operations and its expansion without the need to rely on external loans to high cost. The ratio of debt / low capital that also enable the company to generate cash flow in a more healthy and not too sensitive to movements in interest rates.
Until this stage, may live only 10-15 companies are left in your hand.
Predicting Stock Prices Fair
Assume you've found the best according to your company 10-15. Then, how to determine the price of these shares? First, determine the earnings per share (EPS) and the trend growth for the next 5 years. If growth is above 15%, 15% use rate, whereas if growth is below 10%, 10% use rate. Multiply to see the future value at the end of the fifth year.
After finding the EPS at the end of the fifth year, multiply it by the price earnings ratio (PER) for the year. PER for the year is calculated by a simple rule if the PER is less than 20%, 12% use rate if the PER of more than 20%, 17% use rate. So far, research shows very rare company posted a higher PER of more than 17% over the years. Once multiplied, you will find the estimated share price at the end of the fifth year.
Next, determine how much actual value of the shares. The trick, add an estimated share price at the end of the fifth year in dividends received. Dividends are calculated by summing over the five-year EPS multiplied by the dividend payout ratio (DPR). Having met the fair value of these shares at the end of the fifth year, stay discounting to present value with the target (hurdle rate) that we want.
Simulation of Fair Value Shares
Consider the following examples. By using the hurdle rate of 15%, which assumes the company's stock return of 15% will provide continuous, TLKM shares may be purchased under the price of Rp 10,500. While the hurdle rate of 20%, TLKM shares to be purchased under the price of Rp 8,500. Well, if the current price of Rp 9,700, if the expected return of at least 15% per year, you can buy now. However, if you expect a return of at least 20%, you have to wait until the price fell to Rp 8,500.
Of course these calculations are still very rough. I also calculate only with doodles. In addition, the rate that I use very conservative because many of these stocks have a growth in EPS and PER is very high. Could be, the price of which later formed far beyond calculation. But at least the above simulation can be a reference to estimate the fair price of a stock.
After finding the best stock 5-7 that meet your hurdle rate and is trading below its intrinsic value, buy as much as you can. Hold for a long time. Insha Allah your investments 4-5 years beginning to show results.
Last but Not Least
Invest your time before invest your money. Before entering real, it's good to spend time studying, reading books, workshops, and dig up more information. [Campaign: I'm writing a detailed book about the stock. Please prayer of blessing, hopefully resolved soon.
Do not forget also the basic rules of investing: buy good companies at discount prices. Do not be Afraid to wait. Find a good timing that allows you to buy at cheap prices, for example, the months from January to February. If you can buy cheap, although prices are not rising, you keep doing the "best buying" and still earn potential profits through dividends.
How movements rise and fall with the price? I myself was not too concerned. John Bogle, in his thesis while still at Princeton, said that in the short term prices will always move to the psychology and market sentiment. But in the long term, prices will reflect the fundamentals of the company itself. During our shots telling, in the long term, he will give a considerable advantage for us. Do not be tempted to come and go just because of price fluctuations. You better focus on other work or look for alternative income to invest back into your portfolio.
Despite sounding cliched, do not forget to always pray for guidance in making the analysis and the best investment decisions. If your investments are successful, do not forget to set aside at least 10% of your profits for those who are less fortunate. If there are others who are interested in trying to follow your footsteps, do not hesitate to share knowledge and experience.
Most of the people we never heard the word "stock" but often that still leaves many questions in his mind. For example, if investment in shares can be done by individuals? Or, if my income is less than Rp 5 million per month, can I invest in stocks? Or, if I want to invest, what stage and who should I contact? Well, because there are some emails that ask similar questions, then I might as well write it here.
As we all know, stocks are securities which shows the ownership of a company. You buy a stock means you buy part ownership of the company. During the company's operations and recorded a gain, you are also entitled to share in the form of dividends. You can also take advantage of the rising price of these shares from time to time. For more details, please download and learn the Indonesian Stock Exchange publication.
How to Start?
Before you begin investing, you should open a securities account in advance through a securities firm registered as a member of the Indonesia Stock Exchange (BEI). In addition you are required to deposit a number of deposits which can vary between Rp 10 million - USD 50 million. Individual securities are different from each other - there that offer full-service, there are only serving the buy-sell it. There is also a securities firm which provides online brokerage services, so you can make buying and selling via the Internet. Some of them are:
* Securities Etrading
* Indo Premier Securities
* Phillip Securities Indonesia
* Samuel Securities Indonesia
* Sarijaya Permana Securities
* Supra Securinvest
The full list can be viewed at this site: http://www.idx.co.id/MainMenu/Brokers/BrokerageProfile/tabid/72/lang/en-US/language/en-US/Default.aspx
Once you fill out the form, complete the requirements and administration, usually 2-3 days, then you can start investing. The amount of fee for the transaction of about 0.2% to 0.3% for buying and selling. Securities firms typically allow you to trade 2-3 times the value of the deposit that you deposited. Funds are usually transferred to / from your account on T +2 (buy) until T +3 (sell).
However, you also need to be careful with the broker. They are paid on commission and purchase-sale - no matter your profit or loss. Rogue brokers often use your funds without permission to do trasaksi own. In addition, some brokers (brokerage) also act as underwriters (underwriter) when a company registered in the stock. For reasons of marketing, they have an interest to keep the stock price is still "good." Therefore, do not make recommendations of analysts as a major source of investment - but as an input only. The best, of course, do your own homework!
Fundamental & Technical Analysis
In the investment world, there are 2 methods commonly used as a tool, namely fundamental analysis (FA) and technical analysis (FA). FA to assess stocks based on fundamental condition of the company itself, therefore, FA is more suitable for long term investment. A true FA usually does not merely analyze financial data, but also came to the targeted company, speak with management and owners, saw the vision, mission and strategic plan forward, and so forth. Not infrequently a true FA to fly all over the world to extract information directly from the company.
Meanwhile, the TA to assess the stock price based on the reflection of prices in the past with reading the sentiment, trends, and projections that may occur in the future. The TA will help you memerkirakan direction of price movement, making the boundaries of movement in certain circumstances, and indicate the target direction and its risks. TA is typically done with the help of software applications and many exploit graph (chart). Due to the nature and character, TA is more suitable for trading (speculation) in the short term or protection (hedging).
Particularly in Indonesia, there are some people who enter bandarmologi analysis (BA) as one of alternative tools. In summary, BA is done by searching a specific rumor and whisper, and then riding the airport when they would fry a share. BA is only appropriate to be done within a really short - and you have access to discover which stocks are ready to be fried.
Fried (cornering) is the action being undertaken to manipulate prices by creating a very high demand for these shares. After its share price target over a certain point, they then sell to achieve capital gains. Stocks fried food is usually a two-three-tier stock whose distribution is not much and the price is relatively cheap. They can go up and down with very dramatically for no apparent reason and the stock price does not reflect the actual performance.
Which is most appropriate? Each is only a tool that will be useful when used by the right people at the right time as well. I myself prefer the FA because my philosophy is to buy shares in order to have the company. So far, all calculated only with a calculator (or phone) and recorded on paper / folder without any special software. So far, I have not ever sell the shares I ever bought.
If you're interested in learning more fundamental analysis, please read the book The Intelligent Investor by Benjamin Graham, published by HarperBusiness Essentials. Originally, the book was published in 1973, but rewritten in 2003. Book Henry Markowitz, Portfolio Selection: Efficient Diversification of Investments, published by Yale University Press also deserve to be a reference.
In the meantime, if you'd prefer to technical analysis, I suggest you read the book Technical Analysis of the Financial Markets by John Murphy, published by the New York Institute of Finance (1986). There is also a suggested book Technical Analysis A to Z by Stephen Achelis (2003) - but I've never read. About bandarmologi analysis, so far seems to have no special writing a book about it. :)
Selecting Superior Stocks
Once your stock account is ready and you can make sale or purchase of shares, then the hardest part of the investment is to choose a hero who will give the best results for us. Because the stock is a sign of our ownership of the company, so it's good to think like business owners (business owner). Before determining which companies are willing to buy, do an investigation prior to the fundamentals of the company that you seek.
There are hundreds of companies listed in Indonesia Stock Exchange (BEI). You can start by sorting the companies with which you understand the field of business or companies that have products and superior service. Choose a company that you expect to continue to grow for 10, 20, 30 years into the future. Furthermore, the sorting based management and owners. Choose a company that is managed by a capable management team. Avoid companies that have a trend of "strange", for example, when a coal company coal commodity price rises but its stock price declined.
There is also a good idea to choose a company owned by government or professional well-known business group. Government-owned company (SOE) is usually "required" for profitable and contribute to the state through the receipt of dividends. Avoid companies that are owned (managed) by business groups that have less good reputation. Be careful because they not infrequently do the manipulation of financial statements or perform tricks rough financial engineering.
Warren Buffett advised to select companies that have economic moats, or competitive advantage that is difficult to be imitated by competitors. Economic moats could be advantages in the form of brands (brand strength), cost (cost efficiency), switching ("difficulty" to switch to products / services), or the protection (protection of patents, property rights, government regulation, etc.). Economic moats will make the customer willing to pay higher. Therefore, companies that have good economic moats will be more profitable and still be growing - even if interest rates or prices are rising.
Some people also recommend to buy big companies berkapitalisasi (bluechips) and a liquid and often dijualbelikan (LQ45). Note also if the company plans to repurchase (buyback) of their shares. Usually it is a sign of their shares more cheaply valued and have good prospects in the future.
Still confused as well? Maybe you can get a little "cheat" a portfolio of stock mutual funds so far have moncer performance. Stomach contents of such mutual funds can be seen from the annual report and / or their prospectus. You can use their portfolios as guidance for selecting companies that will be where you invest.
Well, if you sort the several hundred companies listed on the BEI, so until this stage the remaining options may live only 20-30 companies. Find more information about the actual condition of these companies, such as from employees, clients, suppliers, or accountants who audited the company. When you have time, visit the company in order to get a more complete picture. If not, then you have to "make sure" that the financial statements already reflect the real condition of the company.
Read the financial statements and annual reports companies that you seek. You can find it here, here, and here. Alternatively, you can also download the relevant company web site.
Choose a company with a return on equity (ROE) of more than 15%. This illustrates how the management capability in managing its equity. If ROE is only around 8-9%, then invest in these companies is tantamount to saving money in time deposits.
Next, select the companies that profit growth (earnings growth) is stable ranging from 20% or more. Select is also a company that has a ratio of debt to equity ratio is relatively low and the low price per free cash flow. That is, firms can generate large amounts of cash to finance its operations and its expansion without the need to rely on external loans to high cost. The ratio of debt / low capital that also enable the company to generate cash flow in a more healthy and not too sensitive to movements in interest rates.
Until this stage, may live only 10-15 companies are left in your hand.
Predicting Stock Prices Fair
Assume you've found the best according to your company 10-15. Then, how to determine the price of these shares? First, determine the earnings per share (EPS) and the trend growth for the next 5 years. If growth is above 15%, 15% use rate, whereas if growth is below 10%, 10% use rate. Multiply to see the future value at the end of the fifth year.
After finding the EPS at the end of the fifth year, multiply it by the price earnings ratio (PER) for the year. PER for the year is calculated by a simple rule if the PER is less than 20%, 12% use rate if the PER of more than 20%, 17% use rate. So far, research shows very rare company posted a higher PER of more than 17% over the years. Once multiplied, you will find the estimated share price at the end of the fifth year.
Next, determine how much actual value of the shares. The trick, add an estimated share price at the end of the fifth year in dividends received. Dividends are calculated by summing over the five-year EPS multiplied by the dividend payout ratio (DPR). Having met the fair value of these shares at the end of the fifth year, stay discounting to present value with the target (hurdle rate) that we want.
Simulation of Fair Value Shares
Consider the following examples. By using the hurdle rate of 15%, which assumes the company's stock return of 15% will provide continuous, TLKM shares may be purchased under the price of Rp 10,500. While the hurdle rate of 20%, TLKM shares to be purchased under the price of Rp 8,500. Well, if the current price of Rp 9,700, if the expected return of at least 15% per year, you can buy now. However, if you expect a return of at least 20%, you have to wait until the price fell to Rp 8,500.
Of course these calculations are still very rough. I also calculate only with doodles. In addition, the rate that I use very conservative because many of these stocks have a growth in EPS and PER is very high. Could be, the price of which later formed far beyond calculation. But at least the above simulation can be a reference to estimate the fair price of a stock.
After finding the best stock 5-7 that meet your hurdle rate and is trading below its intrinsic value, buy as much as you can. Hold for a long time. Insha Allah your investments 4-5 years beginning to show results.
Last but Not Least
Invest your time before invest your money. Before entering real, it's good to spend time studying, reading books, workshops, and dig up more information. [Campaign: I'm writing a detailed book about the stock. Please prayer of blessing, hopefully resolved soon.
Do not forget also the basic rules of investing: buy good companies at discount prices. Do not be Afraid to wait. Find a good timing that allows you to buy at cheap prices, for example, the months from January to February. If you can buy cheap, although prices are not rising, you keep doing the "best buying" and still earn potential profits through dividends.
How movements rise and fall with the price? I myself was not too concerned. John Bogle, in his thesis while still at Princeton, said that in the short term prices will always move to the psychology and market sentiment. But in the long term, prices will reflect the fundamentals of the company itself. During our shots telling, in the long term, he will give a considerable advantage for us. Do not be tempted to come and go just because of price fluctuations. You better focus on other work or look for alternative income to invest back into your portfolio.
Despite sounding cliched, do not forget to always pray for guidance in making the analysis and the best investment decisions. If your investments are successful, do not forget to set aside at least 10% of your profits for those who are less fortunate. If there are others who are interested in trying to follow your footsteps, do not hesitate to share knowledge and experience.
" Natural Resources and Environment (How Two Sides Currency) "
Natural Resources and Environment (How Two Sides Currency)
"In the management of natural resources is a major red thread is to prevent the emergence of a negative impact on the environment and seek to conserve natural resources to be used continuously for generations in the future." Discussing about natural resources, can we divide into two broad categories, namely natural resources that can be updated (such as forests, fisheries and others). And natural resources that can not be renewed, such as, petroleum, coal, tin, natural gas and other mining products. In this paper we examine the natural resources of the mine and it can not be updated. Discuss the results of mine, of tin is one of them.
Moreover, the tin is identical from a characteristic of a province named Bangka Belitung. Who does not know if we say our country is one of the tin-producing islands in the republic. However, talking about the management of tin mining itself, it felt very embarrassed to see how the surface of this country that has been destroyed and form pools, small pools to form such a small lakes. Especially needed are very expensive cost for land reclamation at least reduce the adverse impact on the future. Who will be blamed? Not the question which we must answer.
But, how such a thing could happen and what should we do to provide the best solutions for the preservation of an environment. Maybe, if it is associated with poverty and how people should think for filling "stomach" this is probably the main cause of natural drain encourage residents and damage the environment. If we observe that we can say there is a correlation between the number and kinds of natural resources with the product for consumption. The relationship can be seen that the greater the consumption patterns of society the more resources will be managed and more varied consumption patterns of society, the more variety of natural resources also will be managed.
Of the problems mentioned above, we can study and may have to be a question for us, why such a thing could happen? The answer of course present in each of us to be more sensible to the environment before the environment itself that tells us that every natural disaster is caused by the human hand itself. We observe how a catastrophic flood that occurred in Aceh and North Sumatra that caused the deforestation of the National Park, Gunung Leuser, Alikodra (12/07/2006) or in allied Sebalai own country, the last few weeks of floods that inundate the region Semabung, Pangkalpinang due nothing more to be absorbing the water in the surrounding area. And as we all know that forests have the ability to regulate water system, preventing erosion and flooding as well as maintaining soil fertility.
" awaits you "
Although you are not mine
But my heart is still for you
Millions of choice by my side
Would not be able your replace
Although the storm hit
I would not escape my love
Give a chance to prove
I could be the best
And still be the best
I will wait
Despite the long wait
I will remain faithful waiting
I know you just me
Let my time
Exhausted by the waiting
Until you believe how big
My love for you still waiting
Although the storm hit
I would not escape my love
Give a chance to prove
I could be the best
And still be the best
I will wait
Despite the long wait
I will remain faithful waiting
I know you just me
Let my time
Exhausted by the waiting
Until you believe how big
My love for you still waiting
Long wait
I will wait
Despite the long wait
I will remain faithful waiting
I know you're only just for me
Let my time
Exhausted by the waiting
Until you believe how big
My love for you still waiting
My love to you ..
I keep waiting
Although you are not mine
But my heart is still for you
But my heart is still for you
Millions of choice by my side
Would not be able your replace
Although the storm hit
I would not escape my love
Give a chance to prove
I could be the best
And still be the best
I will wait
Despite the long wait
I will remain faithful waiting
I know you just me
Let my time
Exhausted by the waiting
Until you believe how big
My love for you still waiting
Although the storm hit
I would not escape my love
Give a chance to prove
I could be the best
And still be the best
I will wait
Despite the long wait
I will remain faithful waiting
I know you just me
Let my time
Exhausted by the waiting
Until you believe how big
My love for you still waiting
Long wait
I will wait
Despite the long wait
I will remain faithful waiting
I know you're only just for me
Let my time
Exhausted by the waiting
Until you believe how big
My love for you still waiting
My love to you ..
I keep waiting
Although you are not mine
But my heart is still for you
contoh daftar riwayat hidup ( CV )
CURRICULUM VITAE
Personal data Name : Rizki Indra Pratama
Gender : Male
Place, date of birth : Jakarta, September 21, 1990
Citizenship : Indonesia
Marital status : Single
Height, weight : 170 cm / 53 kg
Health : Very Good
Religion : Islam
Complete Address : JL. Cilepuk II Jati Makmur Pondok Gede Bekasi
Telephone, Mobile : 02191994067 / 085780061220
Email : rizkiindrapratama@yahoo.com
Education :
Formal
1996 - 2002 : SD NEGERI 060912 Medan Denai
2002 - 2005 : SMP NEGERI 1 Pulau Rakyat
2005-2008 : SMA NEGERI 5 Bekasi
2008 - 2012 : Undergraduated Program S-1 accounting Gunadarma University, Jakarta
Non Formal
1998 - 1999 : Computer and Internet Courses in Puskom gilland Ganesha, Jakarta1999 - 2002 : English course at LBA gilland Ganesha, Jakarta
2004 - 2004 : Tax Course (Brevet A & B) in FAIUP, Jakarta
Ability :
-Ability of Accounting and Administration (Book Printing & Calculation, Ledger, Petty Cash & Payroll Calculation, Inventory Controls, Updating Data Project, Teller, Salary Caldulation).
-Tax System.
-Ability Computer (MS Word, MS Excel, MS Power Point, MS Access, MS Outlook).
-The ability of the Internet.
Work Experience :
Working in PT. Earth flamboyant Singo, Jakarta
Period : August 2001 - January 2008 Desember 2007
Status : Permanent Staff
Position : Staff Accounting and Taxation
A brief description of work :
- Control the supply and purchase of office equipment.
- Helps to manufacture the company's financial statements
- Schedule a business meeting, internal meetings, and business travel.
- To conduct business correspondence in Bahasa Indonesian and English (via the internet
and non-internet).
- Perform calculation of corporate tax.
- Issuing and receiving invoices from suppliers.
- Also support the training of new employees.
Bekasi, 12 Oktober 2010
FORMAT TTD
Rizki Indra Pratama
contoh surat lamaran pekerjaan
Jakarta, June 3, 2009
Subject: Job Application
Dear,
Human Resources Manager
PT. Gilland Ganesha
Jl. Durian Raya Kebon No. 11
East Jakarta
Sincerely,
In accordance with job offers from PT. Gilland Ganesha, as contained in the Kompas daily June 1, 2009. I volunteered to join the Team Marketing at PT. Gilland Ganesha.
My brief data, Such as the Following.
Name : RIZKI INDRA PRATAMA
Place & date. Born : Bekasi / 21 september 1990
End of Education : S1-accounting
Address : JL. Cilepuk II cottage bekasi gede
Telephone, mobile, e-mail : 02191994067 / 085780061220 /
rizkiindrapratama@yahoo.com
Marital Status : Single
I have a very good health condition, and cans speak language well orally and in writing. My education background is very satisfying and has the capability of good management and marketing. I have been accustomed to working with using a computer. Mainly operate MS Office application packages, Such as Excel, Word, Access, PowerPoint, Outlook, Also the internet and on the correspondence in language.
I am currently working as Marketing Staff at PT. Hilmy Finance. I am Glad to learn, and cans work well independently or in teams.
For your consideration, I enclose:
1.Curriculum Vitae.
2.Photocopy of diploma S-1 and Transcripts.
3.Photocopy of certificate courses / training.
4.Recent photographs.
I hope Mr / Mrs willing to take the time to give an interview, so I cans Explain in more detail about my own potential.
So this cover letter, and thank you for your attention Mr. / Mrs.
sincrealy,
(RIZKI INDRA PRATAMA)
Subject: Job Application
Dear,
Human Resources Manager
PT. Gilland Ganesha
Jl. Durian Raya Kebon No. 11
East Jakarta
Sincerely,
In accordance with job offers from PT. Gilland Ganesha, as contained in the Kompas daily June 1, 2009. I volunteered to join the Team Marketing at PT. Gilland Ganesha.
My brief data, Such as the Following.
Name : RIZKI INDRA PRATAMA
Place & date. Born : Bekasi / 21 september 1990
End of Education : S1-accounting
Address : JL. Cilepuk II cottage bekasi gede
Telephone, mobile, e-mail : 02191994067 / 085780061220 /
rizkiindrapratama@yahoo.com
Marital Status : Single
I have a very good health condition, and cans speak language well orally and in writing. My education background is very satisfying and has the capability of good management and marketing. I have been accustomed to working with using a computer. Mainly operate MS Office application packages, Such as Excel, Word, Access, PowerPoint, Outlook, Also the internet and on the correspondence in language.
I am currently working as Marketing Staff at PT. Hilmy Finance. I am Glad to learn, and cans work well independently or in teams.
For your consideration, I enclose:
1.Curriculum Vitae.
2.Photocopy of diploma S-1 and Transcripts.
3.Photocopy of certificate courses / training.
4.Recent photographs.
I hope Mr / Mrs willing to take the time to give an interview, so I cans Explain in more detail about my own potential.
So this cover letter, and thank you for your attention Mr. / Mrs.
sincrealy,
(RIZKI INDRA PRATAMA)
Contoh surat resmi dengan format semi block style
PT. INDO PRATAMA IT
Jalan Jenderal Sudirman Senayan Jakarta
No. Phone (021) 91994067
Jalan Jenderal Sudirman Senayan Jakarta
No. Phone (021) 91994067
Number: 015315/A1/LL/Vl/2007 Date: Jakarta, 4 November 2008
Appendix: File-file requirements
Subject: Application for a Candidate CPNS
Dear:
Mr / Mrs Minister of Finance
Up. Head of Civil Service
Finance Department
in Jakarta
With Regards,I the undersigned below:
Name : Rizki Indra Pratama
Place, date of birth : Jakarta, 21 September 1985
Age on 01/01/2008 : 22 Years, 8 months
Gender : Male
Religion : Islam
Education / Programs : S-1 Computer Information Systems
Address : JL. Gatot Subroto Pondok Gede Bekasi
Phone number / HP : 085780061220
Hereby submit the petition to Mr / Ms, so that would be appointed as a candidate for Civil Servants in the Ministry of Finance.
For your consideration Mr / Mrs, I enclose herewith:
1. Photocopy of the last diploma and transcripts that have been certified each
1 (one) sheet,
2. Pas photo size 3 × 4 cm in 4 (four) sheets,
3. Job Card Photocopy (AK. I) which has been legalized as many as 1 (one)
sheet.
Similarly, the petition was delivered, big hope I would Mr / Mrs to consider, before and after it said thank you.
I Sincerely,
Rizki Indra Pratama, SKom
Contoh surat resmi dengan format Indented Style
OSIS SMA PERMATA NATION
Jl. Antasari No, 57 Semarang, Central Java
Phone 021-91994067 / 085 780 061 220
Attachments : -
Page : Notices
Dear,
Mother Head Branch PMI Hyderabad
In Semarang
Sincerely,
In connection with the year-end holiday season will arrive soon. We the students of high school on Jl Permata Nations, Amangkurat No. 57 Semarang, Central Java Phone 021-91994067, will fill the end of this year's holiday activities with positive activities. We will organize social activities in the form of blood donation, cheap bazaar, and visits to nursing - social institutions that exist in the vicinity of Semarang.
These activities will take place from December 26 to 30 December 2007. Related with it, then we would like to borrow one unit of ambulances and medical personnel to facilitate social activities, particularly for donor activities darah.Untuk information and more information regarding the activities these, please contact us at the phone number 085780061220 with brother Rizki.
So this petition we submitted to you. Top concern and cooperation, we do not forget to deliver to many-many thanks in advance.
Sincerely,
Knowing,
Rizki Indra Pratama, Drs
PB High School Principal
Contoh surat resmi dengan format hanging paragraph style
PEMERINTAHAN KABUPATEN BEKASI
DINAS PENDIDIKAN
SMU NEGERI 5 BEKASI
JL.Gamprit jati waringin pondok gede
No : 009/124/SMU/XIII/2009
Attachments : -
Subject : Meeting Service
Nature : Very Important
Attachments : -
Subject : Meeting Service
Nature : Very Important
Dear.
Mr / Ms Teachers and Staff Employees SMU Negeri 5 Bekasi
Mr / Ms Teachers and Staff Employees SMU Negeri 5 Bekasi
at -
Place
Assalamu'alaikum wr. Wb.
In connection with the rise of anarchist action and the more widespread use of illicit drugs among students, it is very important that we act together, we hereby invite Mr / Mrs to attend official meetings that we conduct.
In connection with the rise of anarchist action and the more widespread use of illicit drugs among students, it is very important that we act together, we hereby invite Mr / Mrs to attend official meetings that we conduct.
The event, God willing, will be held on :
Day : Saturday August 15
Time : 08.00 s.d 14:00
Venue : Meeting Room
Similarly, we submit this letter, hopefully the father / mother can understand.For your attention and cooperation father / mother. We give thanks.Wassalamu'alaikum Wr.Wb.
Knowing,
Dr. Rizki Pratama Indra.S,Pd
Principal SMUN 5 Bekasi
contoh surat resmi dengan format full block style
MINISTRY OF NATIONAL EDUCATION
Jalan Panglima Polim Jakarta
No. Phone (021) 91994067
Date : 13 April 2008
No letter : 01315/A1/LL/Vl/2008
Attachments : 1 sheet containing the composition of events
Page : Exhibition Balinese Gamelan in the Framework of Education Day 2008
To
Yth. Head of elementary, junior high, high school Abdi Karya Foundation
in Serpong, Banten
Sincerely,
We submit that in the framework of the National Education Day on May 2, 2007 will be held the award ceremony to the Office of Ministry of Education Archives National Archives at the Head Office Ministry of National Education Jalan Panglima Polim Jakarta, followed by a performance art event.
With regard to the event, we expect participation in art events referred to by displaying the Balinese gamelan. Rehearsal will be held on Monday, May 30, 2008, at 08.30 pm.
Thus we submit. The participation of Mr / Madam, we thank.
Chairman of the Section Flag Ceremony,
Protocol and Pilgrimage
Education Day 2008
Rizki Indra Pratama, SE
contoh surat resmi dengan format block style
MINISTRY OF NATIONAL EDUCATION
Jalan Panglima Polim Jakarta
No. Phone (021) 91994067
Jalan Panglima Polim Jakarta
No. Phone (021) 91994067
Date : 13 April 2008
No letter : 01315/A1/LL/Vl/2008
Attachments : 1 sheet containing the composition of events
Page : Exhibition Balinese Gamelan in the Framework of Education Day 2008
No letter : 01315/A1/LL/Vl/2008
Attachments : 1 sheet containing the composition of events
Page : Exhibition Balinese Gamelan in the Framework of Education Day 2008
ToYth. Head of elementary, junior high, high school Abdi Karya Foundationin Serpong, Banten
Sincerely,
We submit that in the framework of the National Education Day on May 2, 2008 will be held the award ceremony to the Office of Ministry of Education Archives National Archives at the Head Office Ministry of National Education Jalan Panglima Polim Jakarta, followed by a performance art event.
With regard to the event, we expect participation in art events referred to by displaying the Balinese gamelan. Rehearsal will be held on Monday, May 30, 2008, at 08.30 pm.
Thus we submit. The participation of Mr / Madam, we thank.
Chairman of the Section Flag Ceremony,
Protocol and Pilgrimage
Education Day 2008
Rizki Indra Pratama, SE
contoh surat resmi dengan format block style
UNIVERSITY GUNADARMA
Jl. Margonda Raya No. 100
Depok
Tel: 021-91994067 Ext .208
Jl. Margonda Raya No. 100
Depok
Tel: 021-91994067 Ext .208
No letter : 005/UND/VII/95 Date: March 31, 2010
Subject : Invitation
Yth. S1 FE Lecturers JurusanAkuntansi
Gunadarma University
Jl. Margonda Raya No. 100
Sincerely,
We hope that Mr / Ms to attend the Meeting of the National Seminar to be held at:
Day / date : Wednesday, 28 April 2010
Time : 09.00 - finish
Venue : Auditorium University Gunadarma
Building 4 floors 6 Depok
We strongly expect the presence of Mr. / Mrs. For your kind attention, we thank you.
Sincerely,
Drs.Rizki Indra Pratama
Head of Community Education
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