Random

Been so bored at school for the past few days, since there's no lesson at our class...

We were only chatting, gossiping, playing UNO and Monopoly, being crazy, etc.

I'm kinda bored of gossiping at the moment...

I'm tired of talking bad things about someone, telling someone's bad attitude to another...

I just realized that it means nothing..

Why should we care about it ? I mean, we won't get any money from making a gossip of someone...

That's their relationship, they're the one who are supposed to control it..

We have no control on it, and we won't get any benefits from them...

being wise, huh ?

hhohoho..

I just read newspaper and saw my friend got punched in the middle of a soccer game...

That's insane ! until he was dragged along to the hospital...

Those people were crazy, Indonesian soccer game will always be like that...

C'mon, fighting won't solve any problem..

That's just a game, winning and losing are just a nature of life...

Even if you're tricked by the referees, that's not an act that a soccer player should have taken...

that's an act which shows no integrity, that's not sportive..

It's not only happening for once, but million times..

The competition is for under 18 years old, and yet this case still existed in the game...

man, that's not cool...

there's no point in punching someone's face, it'll just bring pains to both side...

hope he's ok, and get better soon...

it's getting close to the end of the year...

it means I'm going to be older...

means that there's no time left for being a kid...

i'm 16, and i'm a teenager..

it's so terrifying to see the time goes by that fast...

i wish 2010 will be a better year for me..

^.^

Dedicated to Gus Desi,

Kevin

Utopia

sorry for the late post guys !

had a very killing and destructive tests a week ago..

I had been so busy in studying and doing those super amazing tests...

and it's time for..

HOLIDAYS !

it's so funny when we had a week full of tests...

we learned like crazy, and we laughed like we're watching comedies...

we sang massive number of songs... even though we had lots of tests ahead...

I'm so grateful to have friends like them, especially in tests like that..

they came in handy... xixixi....

the sweat, blood, and tears that we had dropped...

it wasn't in vain, and worthed enough to be done...

i witnessed my friends crying on their table...

they were stressed.. they felt they were unable to continue...

we came to cheer them up, and we sang lots of songs..

we shared some silly jokes...

we made jokes of each other...

gotta miss those moments, but doesn't mean that I wanna do those tests again...

I'm currently addicted to Utopia by Within Temptation feat. Chris Jones...

it has a really meaningful lyric...

it tells us how bad a person can be.. until it kills the idea of who we are...

I also like Kris Allen's new album, try to listen !

Utopia,

Kevin

Essay

Topic: Government should subsidize private home ownership.

Nowadays, 744.000 people in United States of America are homeless. We can see massive numbers of citizens who are living under the bridge, struggling to get decent quality of foods, and trying to get the attention from the government which hasn’t been given. Each country has the same major problem, which is poverty. Most of the prices of the houses aren’t affordable, which is the main reason why low-income society decided not to buy a house. In Indonesia, government sells decent houses for about 55 million rupiahs, and 144 million rupiahs for flats. While at the same time, the Minimum Regional Salary (UMR) of citizens in Indonesia is not suitable for buying a house, which is about 600.000-1.000.000 rupiahs.

On the flipside of the coin, rich investors tend to invest their money by buying a house, since house is a long-term investment. If we keep this thing on happening, what will happen is there will be less number of houses that can be afforded by the lower-middle economic people. That’s why, the government need to intervene this case now. In this analytical exposition, I would like to explain why people really need a private home ownership, why should government give this subsidy to the society, and why it is beneficial for both the citizens and government.

As we all know, all people want to own their own houses. Private home ownership symbolizes that we have already had the ability to fulfill our primary needs. It also shows to people that we can actually do something for the government, not just sitting on the sidewalk begging for money or stealing an elder’s purse just for fulfilling their daily needs. Home ownership reinforces family stability, responsibility, asset-building and self-esteem. Homeownership gives families a “stake” in a community.

What a good government should do is to take care of their citizens. It is the government’s duty to take care of the society and fulfill what society demands. In Indonesia, the government has arranged 2.71 trillion rupiahs for subsidizing this private home ownership. It means that the government of Indonesia agrees that subsidizing private home ownership is actually important. By giving this subsidy, it shows that government has given a tangible effort to actually the level of prosperity of the society. At the same time, this proposal will help the government to solve lots of problems, such as homeless, unemployment, poverty, and social gap. Every country wants to reach their Millenium Development Goals (MDG), and giving this subsidy will be one of the best solutions to stabilize our economy level and getting close to reach the MDG.

Private home ownership also gives citizens a long-term investment, which gives a long-term prosperity to the citizens. It is true that buying a private house is expensive, but after the citizens finishes paying the ownership, they don’t have to pay anything in the future. Having a private house also gives you ability to loan money from the bank, because you can use your ownership as a guarantee for borrowing money in the bank. What will happen is citizens can manage the money to start their own businesses, so government doesn’t have to give another subsidy to another thing. Based on those 3 arguments, we believe that government should subsidize private home ownership because it gives lots of benefits to both society and government and good further impacts to our country.

PR I.T

Para konsol permainan Nintendo Wii telah sangat berhasil karena fitur-fiturnya. Ini berisi beberapa fitur internal yang tersedia dari firmware dan komponen perangkat keras. Firmware dapat benar-benar menerima pembaruan secara berkala melalui layanan WiiConnect24 sementara extendibility memungkinkan perangkat keras melalui port ekspansi.

Menu besar konsol permainan juga merupakan kontributor. Ini adalah antarmuka menu tingkat atas. Ini memiliki 4 halaman masing-masing dengan 4 dengan 3 grid, dengan masing-masing halaman yang menampilkan waktu saat ini serta tanggal. Aplikasi atau diketahui setiap orang sebagai saluran, yang berlayar dengan menggunakan Wii Remote dan ditampilkan di grid. Baik, grid dikustomisasi yang memungkinkan pengguna untuk memindahkan saluran di antara 47 menu yang dapat disesuaikan slot. Namun, hal ini tidak mungkin dengan Disc Channel.

Sebenarnya ada beberapa kategori utama untuk saluran - Pre-loaded Saluran, yang Top Saluran, dan Tambahan Saluran.

Dalam kategori Pre-loaded Saluran, ada Disc Channel, Mii, Photo Channel, Wii Shop, yang Forecast, dan News. Dalam Wii Shop Channel, ada Virtual Console, yang WiiWare, dan Saluran Wii. Dengan saluran ini Anda dapat memainkan Wii dan GameCube judul, membuat sebuah avatar, melihat foto, download game dan perangkat lunak lain, dan mendengarkan ramalan cuaca dan berita.

Dalam kategori berikutnya, yang Top saluran, ada Internet, Semua orang Votes, Periksa Mii Out / Mii Contest, Nintendo Channel, Televisi Teman, yang Digicam Cetak, dan Telling Fortune Channel. Dengan ini, Anda bisa berselancar internet, suara yang sederhana dan menyenangkan jajak pendapat, berbagi MIIS dan memasukkan mereka ke kontes popularitas, menonton video, cek program-program apa yang di televisi, impor foto digital, dan melihat kekayaan.

Akhirnya, dalam kategori Saluran tambahan, ada Wii Fit, Mario Kart, Band Brothers DX Pembicara Channel, dan Wii Speak. Dengan saluran ini, Anda dapat menginstal Wii Channel, instal Mario Kart Channel, menghubungkan permainan ke konsol Wii, dan chatting online.

JAKARTA, KOMPAS.com - Kemampuan masyarakat berpendapatan rendah untuk mencicil rumah, yang selama ini menjadi sasaran subsidi dalam membeli rumah semakin rendah.

"Banyak dari masyarakat yang jadi target sasaran subsidi ditolak bank karena tidak memenuhi syarat," kata Deputi Bidang Rumah Formal Kemenpera, Zulfi Syarif Koto di Jakarta, Kamis (23/7) dalam diskusi bulanan.

Menurutnya, masih banyak PNS, prajurit TNI/ Polri, termasuk pekerja swasta anggota Jamsostek yang tak dapat digandeng bank karena masih mencicil untuk kebutuhan lain.

Kondisi demikian membuat dana subsidi yang dialokasikan untuk masyarakat dengan penghasilan di bawah Rp2,5 juta untuk rumah bukan bersusun dan Rp4,5 juta untuk rumah susun baru sebagian terserap, paparnya.

Seperti diketahui subsidi disediakan untuk masyarakat dengan penghasilan Rp2,5 juta untuk membeli rumah sederhana sehat dengan harga di bawah Rp55 juta dan masyarakat berpenghasilan di bawah Rp4,5 juta untuk unit Rusunami di bawah Rp144 juta.

Zulfi mengatakan, subsidi yang disediakan pemerintah barulah selisih bunga dengan harapan saat mencicil Kredit Pemilikan Rumah (KPR) tidak terlalu berat, seharusnya ada pola tambahan subsidi uang muka.

"Kalau sekarang masyarakat diberikan alternatif salah satu saja seandainya menggunakan subsidi untuk selisih bunga tidak bisa lagi memanfaatkan subsidi uang muka, begitu juga sebaliknya," tuturnya.

Menurutnya, harus ada dukungan dari Pemerintah Daerah di antaranya tanah tidak perlu beri tetapi hibah dan sebagainya, ditambah fasilitas subsidi dari institusi seperti YKPP (TNI) dan Bapertarum (PNS).

Sementara itu Kepala Divisi Kredit BTN, Budi Hartono mengatakan kemungkinan kredit macet (non performing loan-NPL) masyarakat sasaran subsidi cukup tinggi terutama pada periode tertentu seperti tahun pelajaran baru, Lebaran dan sebagainya.

"Sehingga kami sangat hati-hati dalam memilih masyarakat yang menjadi sasaran subsidi diantaranya dengan memastikan mereka tidak memiliki hutang-hutang di tempat lain," tuturnya.

BTN melihat penyerapan dana subsidi yang dialokasikan Rp2,5 triliun pada 2009 akan dapat diserap seluruhnya, sehingga rencana pemerintah menambah dana subsidi tahun 2010 Rp3,5 triliun patut mendapat dukungan, jelas Budi.

Sebagai gambaran dana subsidi yang disalurkan setiap tahunnya mengalami kenaikan, bila pada 2008 target Rp4 triliun subsidi, realisasinya mencapai Rp5 triliun lebih, ujarnya.

"Target sekarang tidak muluk-muluk sama dengan tahun 2008 Rp4 triliun, tetapi kami optimis akan lebih besar lagi karena sampai dengan Semester I tahun 2009 sudah mencapai Rp2,6 triliun, sehingga minimal akhir tahun bisa Rp5,2 triliun," ujarnya.

Upah minimum regional berkisar antara 600.000-1.000.000

Persentase orang miskin mencapai 21.11%