tag:blogger.com,1999:blog-5303769668286435242024-02-20T17:30:27.865-08:00athwar blogtempat belajar dan berbagiAthwar Asharhttp://www.blogger.com/profile/05342791666236676515noreply@blogger.comBlogger21125tag:blogger.com,1999:blog-530376966828643524.post-49999427763839712092014-08-19T08:51:00.000-07:002014-08-19T18:45:07.235-07:00Membuat Sitemap - Peta Situs Otomatis<div style="font-family: Verdana,sans-serif; text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj_c72S1bBGgWd0fwkaxghUebX03SurZhPwV54H29eX1ACpfq1PtcXyjvMGYEjHr3bSxHIPo9woMDUOmr2NSFUtfZmNQK_mfa9nHCNuKFmgdhjVZ_cpCeOpIQ-eUjqARZIwSofz36ztBHA/s1600/sitemap.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="Sitemap - Peta situs" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj_c72S1bBGgWd0fwkaxghUebX03SurZhPwV54H29eX1ACpfq1PtcXyjvMGYEjHr3bSxHIPo9woMDUOmr2NSFUtfZmNQK_mfa9nHCNuKFmgdhjVZ_cpCeOpIQ-eUjqARZIwSofz36ztBHA/s1600/sitemap.jpg" title="Sitemap - Peta situs" /></a><br />
<b style="color: #6fa8dc;">Membuat Sitemap - Peta Situs Otomatis</b><b> -</b> <b>Sitemap</b> atau <b>Peta Situs</b> berfungsi sebagai daftar isi yang bertujuan untuk memudahkan bagi pengunjung blog untuk mengetahui isi seluruh artikel blog berikut label yang ada pada sebuah blog. Tak kalah penting adalah berfungsi sebagai index dalam search engine. Dengan adanya <b>Sitemap</b> - <b>Peta Situs</b>. search engine seperti Google dapat
mendeteksi adanya update pada sebuah blog, sehingga search engine dapat segera mengindex blog.<br />
<br />
Namun pembahasan kali ini "<b style="color: #6fa8dc;">Membuat Sitemap - Peta Situs Otomatis</b>" adalah bagaimana cara membuat <b>sitemap</b> atau <b>peta situs</b> secara otomatis yang dalam hal ini adalah
Sitemap untuk pengunjung blog bukan untuk robot Google.<br />
Di Blogger kita dapat
membuat sitemap dengan begitu mudah dan secara otomatis. Langsung saja adapun langkah-langkahnya adalah sebagai berikut:<br />
<ol>
<li>Masuk ke akun <b style="color: #e69138;">blogger</b></li>
<li>Pilih menu <b style="color: #cc0000;">Laman</b> </li>
<li>Buat laman baru (Klik tombol <b><span style="color: #cc0000;">Laman baru</span></b> > <b><span style="color: #cc0000;">Laman kosong</span></b>)<div class="separator" style="clear: both; text-align: left;">
<img alt="membuat halaman baru blogger - Membuat Sitemap - Peta Situs Otomatis" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjcJTmUcynye9tJXS8n1s9YdqD_KXdCHm_1z5bCsM5LWchtRXu6wMLYAo7ENx0rgPvOG4vesWrFsXrGNKFrF6qgMW6rsdA3zfjF6WhxkQSbUJQyaIJbVqvdpKNROtkQOsIHkuHbG62UuSg/s1600/lamanbaru.jpg" height="98" title="membuat halaman baru blogger - Membuat Sitemap - Peta Situs Otomatis" width="320" /></div>
</li>
<li>Pilih mode <b><span style="color: #cc0000;">HTML</span></b></li>
<li>Beri judul <b><span style="color: #38761d;">Daftar Isi</span></b> atau <b><span style="color: #38761d;">Sitemap</span></b> (terserah anda) </li>
<li>Masukkan kode berikut<blockquote class="tr_bq">
<script
src="https://sites.google.com/site/script4shared/sitemap.js"></script><script
src="<b><span style="color: #0b5394;">http://athwar.blogspot.com</span></b>/feeds/posts/default?max-results=9999&amp;alt=json-in-script&amp;callback=loadtoc"></script>
</blockquote>
</li>
<li>Ganti kode <b style="color: #0b5394;">athwar.blogspot.com</b> di atas dengan alamat blog anda<div class="separator" style="clear: both; text-align: left;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgcI8ir7ciNcugkxBTXHezp4fevg4gKIvCPvjB8vEMnsXKzrzvEOcAlsJ2nyLqVIPbMW8EqYqMv7iSJ4fKRMcbw1k13IqWGtL1SYEEUEGqh7o79IGoONMWtuI4DvqPb8NPosc-DXNtpxMk/s1600/publikasipage.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Publikasikan laman - Membuat Sitemap - Peta Situs Otomatis" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgcI8ir7ciNcugkxBTXHezp4fevg4gKIvCPvjB8vEMnsXKzrzvEOcAlsJ2nyLqVIPbMW8EqYqMv7iSJ4fKRMcbw1k13IqWGtL1SYEEUEGqh7o79IGoONMWtuI4DvqPb8NPosc-DXNtpxMk/s1600/publikasipage.jpg" height="150" title="Publikasikan laman - Membuat Sitemap - Peta Situs Otomatis" width="320" /></a></div>
</li>
<li>Publikasikan - Selesai </li>
</ol>
<blockquote class="tr_bq">
</blockquote>
<div>
Sedangkan untuk Membuat Sitemap - Peta Situs Otomatis dengan scroll
di samping kanan, pada langkah no. 6 di atas, bisa menggunakan kode berikut :<br />
<br />
<blockquote class="tr_bq">
<div>
<div style="background-color: #dde1e3; border: 1px solid #999999;
<b><span style="color: #674ea7;">height: 100px</span></b>; overflow: auto; padding: 10px; width: 100%px;"></div>
<div>
<script
src="https://sites.google.com/site/script4shared/sitemap.js"></script><script
src="<b><span style="color: #3d85c6;">http://athwar.blogspot.com</span></b>/feeds/posts/default?max-results=9999&amp;alt=json-in-script&amp;callback=loadtoc"></script> </div>
<div>
</div></div>
</blockquote>
</div>
<div>
</div>
<div>
Sesuaikan Nilai <b><span style="color: #674ea7;">height</span> </b>bisa dengan panjang daftar isi yang diinginkan.</div>
<div>
</div>
<div>
Untuk hasil Sitemap - Pita Situs bisa dilihat <a href="http://athwar.blogspot.com/p/blog-page_19.html" target="_blank">disini</a></div>
<b><a href="http://thisisbloggerid.blogspot.com/p/sitemap.html" target="_blank"></a></b><br />
Sampai di sini, anda sudah bisa Membuat Sitemap - Peta Situs Otomatis .<br />
Sekian, Semoga Bermanfaat.</div>
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Athwar Asharhttp://www.blogger.com/profile/05342791666236676515noreply@blogger.com0tag:blogger.com,1999:blog-530376966828643524.post-6910031011757570822014-08-19T06:28:00.000-07:002014-08-19T06:28:22.879-07:00Pengalaman Banding Google Adsense yang terkena Banned - Approved<div style="font-family: Verdana,sans-serif; text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEga2LDpJZ6eYrMM1MCei1XYyAPb-a7mhybNSOeJdIbL-tazXFceh1B_xrXyCqZQv21SsQcAJXG0ipx1i-aHZge3OL_sQqdQfy3qAr1WKhqyBR3u-qq2A00SoPq7y0PLQs3Qu5jRufG6NsY/s1600/adsenbannde.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="google adsense Banned" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEga2LDpJZ6eYrMM1MCei1XYyAPb-a7mhybNSOeJdIbL-tazXFceh1B_xrXyCqZQv21SsQcAJXG0ipx1i-aHZge3OL_sQqdQfy3qAr1WKhqyBR3u-qq2A00SoPq7y0PLQs3Qu5jRufG6NsY/s1600/adsenbannde.jpg" height="209" title="google adsense Banned" width="320" /></a><b style="color: #6fa8dc;"> </b></div>
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<div style="font-family: Verdana,sans-serif; text-align: justify;">
<b style="color: #6fa8dc;">Pengalaman Banding Google Adsense - Approved</b><b> - </b>di artikel sebelumnya telah saya bahas<b> </b><a href="http://athwar.blogspot.com/2014/08/cara-mudah-daftar-google-adsense.html" target="_blank"><span style="color: #6fa8dc;">Cara Daftar Google AdSense Melalui Blogger Agar Mudah Diterima </span></a></div>
<div style="font-family: Verdana,sans-serif; text-align: justify;">
<span style="color: #6fa8dc;"><span style="color: black;">, kali ini saya ingin share pengalaman mengajukan banding google adsense yang terkena bannded.</span></span></div>
<div style="font-family: Verdana,sans-serif; text-align: justify;">
</div>
<div style="font-family: Verdana,sans-serif; text-align: justify;">
<span style="color: #6fa8dc;"><span style="color: black;">Artikel ini sebelumnya sudah saya share di thread kaskus, bisa dibaca <a href="http://m.kaskus.co.id/thread/53cf62d2c0cb17450b8b457e/share-setelah-diputus-kemudian-naik-banding-adsense-dan-akhirnya-diterima-google" target="_blank">di sini </a>, saya tulis kembali dengan bahasa yang berbeda.</span></span></div>
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<div style="text-align: justify;">
<span style="color: #6fa8dc;"><span style="color: black;">Akun adsense saya sebenarnya sudah lama di banned, tepatnya</span></span> tanggal 10 maret 2010. berikut screenshoot email dari google:</div>
<div class="separator" style="clear: both;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg6iECfcMWl-eEOONTw83ZEjMBM9NZEVsihQG1JU-yb6MFCpBpeqHXYdL11O2-oe6uyb8b4br0bmlnQ8PBAU_iIQ7Q-iR-4iC0ENsb_4VL70eo9dUZ4ANl0znMlv6DuQTY0fPPQyhEdfDo/s1600/surat+putus.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="email google adsense disabled" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg6iECfcMWl-eEOONTw83ZEjMBM9NZEVsihQG1JU-yb6MFCpBpeqHXYdL11O2-oe6uyb8b4br0bmlnQ8PBAU_iIQ7Q-iR-4iC0ENsb_4VL70eo9dUZ4ANl0znMlv6DuQTY0fPPQyhEdfDo/s1600/surat+putus.JPG" height="323" title="email google adsense disabled" width="400" /></a></div>
<span style="color: #6fa8dc;"> </span></div>
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<div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: justify;">
berikut kutipan email dari google:</div>
<div style="text-align: justify;">
<blockquote class="tr_bq" style="font-family: Verdana,sans-serif;">
Hello,<br />
<br />
While going through our records recently, we found that your AdSense<br />
account has posed a significant risk to our AdWords advertisers. Since<br />
keeping your account in our publisher network may financially damage our<br />
advertisers in the future, we've decided to disable your account.<br />
<br />
Please understand that we consider this a necessary step to protect the<br />
interests of both our advertisers and our other AdSense publishers. We<br />
realize the inconvenience this may cause you, and we thank you in advance<br />
for your understanding and cooperation.<br />
<br />
If you have any questions about your account or the actions we've taken,<br />
please do not reply to this email. You can find more information by<br />
visiting https://www.google.com/<wbr></wbr>adsense/support/bin/answer.py?<wbr></wbr>answer=57153<br />
.<br />
<br />
Sincerely,<br />
<br />
The Google AdSense Team</blockquote>
</div>
<div style="font-family: Verdana,sans-serif; text-align: justify;">
Singkatnya setelah 4 tahun google adsense disabled, saya mencoba mengajukan banding melalui Ke Google Adsense dengan menggunakan Link Berikut > <b><u style="color: #0b5394;"><span style="color: #0b5394;">h</span>ttps://www.google.com/adsense/app#policy-appeal</u><u><span style="color: #0b5394;"> </span></u></b>< saya deskripsikan permohonan banding saya disana.</div>
<div style="font-family: Verdana,sans-serif; text-align: justify;">
Berikut kutipan, permohonan banding saya:</div>
<div style="text-align: justify;">
<blockquote class="tr_bq" style="font-family: Verdana,sans-serif;">
bahwa saya telah melanggar TOS adsense, dalam hal ini saya tidak
sengaja, dan saya minta maaf atas ketidaksengajaan tersebut, karena
pelanggaran tersebut baru saya ketahui setelah mempelajari dengan cermat
TOS adsense. Saya berharap, akun adsense saya dapat diaktifkan kembali,
dan di masa mendatang, saya dapat mematuhi TOS adsense. terima kasih.</blockquote>
</div>
<div style="font-family: Verdana,sans-serif; text-align: justify;">
Tiga hari kemudian setelah permohonan banding, saya terima email balasan dari google adsense: </div>
<div style="text-align: justify;">
<blockquote class="tr_bq" style="font-family: Verdana,sans-serif;">
Halo,<br />
<br />
Pesan ini menegaskan bahwa pengajuan keberatan Anda telah kami terima.<br />
<br />
Kami akan segera menangani keberatan Anda secepatnya, dan karena
banyaknya email yang kami terima, kami mungkin memerlukan waktu hingga
satu minggu atau lebih untuk memprosesnya. Jika pernah mengajukan
keberatan untuk akun ini, Anda mungkin tidak akan menerima tanggapan
atas keberatan yang sekarang atau pun mendatang.<br />
Harap perhatikan bahwa pengajuan keberatan atas penonaktifan akun AdSense tidak menjamin akun kembali dihidupkan.<br />
<br />
Jika ada pertanyaan atau keluhan mengenai akun yang dinonaktifkan karena kegiatan tidak sah, kunjungi <u><span style="color: #3d85c6;">https://www.google.com/adsense</span></u><wbr style="color: #3d85c6;"></wbr><u><span style="color: #3d85c6;">/support/bin/answer.py?answer=</span></u><wbr style="color: #3d85c6;"></wbr><u><span style="color: #3d85c6;">57153&hl=id</span></u>.<br />
<br />
Terima kasih atas kesabaran dan pengertian Anda.<br />
<br />
Hormat kami,<br />
<br />
Tim Google AdSense. </blockquote>
</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhynDKGocn5mySL-sL3-ba_xm30o1qGUglwExuH7CaR6ukh4FRXn7zPxf5MPH388_JbiKKkfUEFnTVCGFbOMtIqb3ENGx0j8FXHfV9gNA0arHQnLD0UZqxzl4b2w-vG6-ehiV8UBZhk2CQ/s1600/bls+surat.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="email balasan permohonan banding" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhynDKGocn5mySL-sL3-ba_xm30o1qGUglwExuH7CaR6ukh4FRXn7zPxf5MPH388_JbiKKkfUEFnTVCGFbOMtIqb3ENGx0j8FXHfV9gNA0arHQnLD0UZqxzl4b2w-vG6-ehiV8UBZhk2CQ/s1600/bls+surat.JPG" height="375" title="email balasan permohonan banding" width="400" /></a></div>
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Merujuk dari surat balasan google adsense di atas bahwa pengajuan keberatan telah diterima, namun pengajuan keberatan atas penonaktifan akun AdSense tersebut tidak menjamin akun kembali dihidupkan. Artinya masih belum jelas, apakah nantinya akan diaktifkan kembali atau tetap disabled.</div>
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Selang 3 hari kemudian, dapat email balasan lagi dari google adsense, dan Alhamdulillah akun adsense saya diaktifkan kembali.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAb4uSEOF3Bbhsa-K9A9yYJnw7UPBCc6v8WOO8GmaVPVak8yAxhkph6zPVOxppd4-RYgaRUlGrEjo7CjzbcrTk8Ie16MCkGpDc0P6s8t9-FKXgyv0bHqlwOkiiWfCW489143dax1fdajE/s1600/surat+rujuk.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="email google adsense - akun diaktifkan kembali" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAb4uSEOF3Bbhsa-K9A9yYJnw7UPBCc6v8WOO8GmaVPVak8yAxhkph6zPVOxppd4-RYgaRUlGrEjo7CjzbcrTk8Ie16MCkGpDc0P6s8t9-FKXgyv0bHqlwOkiiWfCW489143dax1fdajE/s1600/surat+rujuk.JPG" height="640" title="email google adsense - akun diaktifkan kembali" width="412" /></a></div>
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berikut isi emailnya:</div>
<div style="text-align: justify;">
<blockquote class="tr_bq" style="font-family: Verdana,sans-serif;">
Pelanggan yang terhormat,<br />
Terima kasih atas penjelasan Anda. Kami telah meninjau pengajuan
banding Anda dan telah mengaktifkan kembali akun Anda, segera
diterapkan. Sebelum iklan mulai ditampilkan kembali di situs Anda, akan
ada penundaan hingga 48 jam.<br />
Sebaiknya Anda membaca panduan berikut yang akan berguna dalam mencegah aktivitas tidak valid di masa mendatang:<br />
<ol>
<li dir="ltr">Tindakan penayang yang <span>mengeklik</span> iklan mereka
sendiri atau mendorong pengguna lain untuk melakukannya adalah tindakan
yang melanggar kebijakan program kami. Selain itu, penggunaan teknik
otomatis untuk menghasilkan klik, seperti robot atau skrip, dilarang.
Bagi penayang YouTube, saat melihat video Anda, Anda harus mengabaikan
iklan tersebut sehingga biaya pengiklan tidak akan meningkat dengan cara
yang tidak semestinya secara tidak disengaja.</li>
<li dir="ltr">Gunakan <u><span style="color: #3d85c6;">Bilah Alat Google Penayang</span></u> jika Anda ingin <span>mengeklik</span>
iklan untuk memeriksa laman landas atau detail lainnya. Fitur ini dapat
digunakan untuk memeriksa tujuan iklan pada laman Anda tanpa <span>berisiko</span> menghasilkan klik tidak valid.</li>
<li dir="ltr">Percayalah bahwa kami mendata semua klik, jadi jangan klik
iklan Anda untuk memastikan klik dilaporkan di laporan Kinerja. Namun,
mungkin ada sejumlah alasan mengapa Anda tidak langsung melihat klik,
karena mungkin dibutuhkan waktu hingga 24 jam untuk menyelesaikan
penghitungan klik dan tayangan dalam laporan Anda.</li>
<li dir="ltr">Kunjungi <u><span style="color: #3d85c6;">Pusat Sumber Daya Mutu Lalu Lintas Iklan </span></u>kami untuk mempelajari lebih lanjut cara memahami lalu lintas di situs Anda.</li>
</ol>
Selain itu, harap tinjau dan selalu patuhi <u><span style="color: #3d85c6;">Kebijakan Program</span></u> dan <u><span style="color: #0b5394;">Persyaratan Layanan</span></u> kami.<br />
Perhatikan bahwa jika penayangan iklan tidak dimulai kembali setelah
akun Anda kembali diaktifkan, kemungkinan ada masalah lain yang harus
diselesaikan. Untuk bantuan lebih lanjut, kunjungi <u><span style="color: #3d85c6;">pusat bantuan</span></u> kami atau <u><span style="color: #3d85c6;">forum AdSense</span></u>.<br />
<span style="color: #550055;">
Hormat kami,<br />
Tim Google AdSense</span></blockquote>
</div>
<div style="font-family: Verdana,sans-serif; text-align: justify;">
Itulah pengalaman saya ketika akun adsense aya di banned dan akhirnya diaktifkan kembali sebagai penayang adsense. </div>
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Semoga artikel ini bisa bermanfaat
untuk. Salam </div>
Athwar Asharhttp://www.blogger.com/profile/05342791666236676515noreply@blogger.com4tag:blogger.com,1999:blog-530376966828643524.post-51776721397247771622014-08-18T21:33:00.003-07:002014-08-18T21:33:41.113-07:00Apa itu Metro UI Design<div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEioarvFG87HthIf-cGgsCGz9JUIv-oED7JpPtvRdXJOrT4XphCUmfe8q9J6P9KEFbJSyg-Za7QG8GC7tqkja1zEXbod0NJESp7niuWHBqQJGYYPB93vDY_4AbRyhj2EDAdilAoJwXX_1Xo/s1600/banner.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="Metro UI Design" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEioarvFG87HthIf-cGgsCGz9JUIv-oED7JpPtvRdXJOrT4XphCUmfe8q9J6P9KEFbJSyg-Za7QG8GC7tqkja1zEXbod0NJESp7niuWHBqQJGYYPB93vDY_4AbRyhj2EDAdilAoJwXX_1Xo/s1600/banner.jpg" height="171" title="Metro UI Design" width="320" /></a></div>
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<b style="color: #6fa8dc;">Apa itu Metro UI Design</b><b> - </b>Dalam kesempatan sebelumnya, saya telah membagikan artikel tentang<b> </b><a href="http://athwar.blogspot.com/2014/08/widget-social-network-bergaya-metro.html" target="_blank"><span style="color: #6fa8dc;"><span style="font-family: Verdana,sans-serif;">Membuat Widget Social Network bergaya Metro </span></span></a></div>
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<div style="font-family: Verdana,sans-serif; text-align: justify;">
<span style="color: #6fa8dc;"><span style="font-family: Verdana,sans-serif;"><span style="color: black;">kali ini saya ingin membahas tentang </span></span></span><b style="color: #6fa8dc;">Apa itu Metro UI Design. </b><span style="font-family: Verdana,sans-serif;">Salah satu gaya desain web yang sedang ngetrend di tahun ini dan digunakan pada design <a href="http://athwar.blogspot.com/" target="_blank">blog athwar</a>. </span></div>
<div style="font-family: Verdana,sans-serif; text-align: justify;">
<br /></div>
<div style="font-family: Verdana,sans-serif; text-align: justify;">
<span style="font-family: Verdana,sans-serif;">Metro UI design atau gaya desain metro ini muncul
seiring dengan berkembangnya pengguna system operasi Windows 8.</span></div>
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Metro adalah nama kode internal untuk bahasa desain oleh
Microsoft, kembali dari pertengahan 1990-an, pada awalnya desain ini digunakan
pada Windows Phone, kemudian desain ini juga digunakan pada produk Microsoft
lainnya, antara lain Microsoft Encarta 95, MSN 2.0, Windows Live, Windows Media
Center, Zune, Windows Phone, Xbox 360, dan yang terbaru Windows 8. Sebagian
besar model Huruf yang digunakan di desain ini adalah font keluarga Segoe
Microsoft. Microsoft telah menyebarkan memo kepada karyawannya tentang
berubahnya METRO UI menjadi Windows 8 UI.</div>
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berikut adalah deskripsi singkat metro oleh microsoft: </div>
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<i><b><span style="color: #b45f06;">METRO</span></b> is our design language. We call it METRO because it's <b style="color: #b45f06;">MODERN</b> and clean. It's fast and in motion. It's about content and typography. And it's entirely authentic.</i></div>
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<style>
/* Style Definitions */
table.MsoNormalTable
{mso-style-name:"Table Normal";
mso-tstyle-rowband-size:0;
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</div>
<div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;">
Fokus utama dalam design metro adalah menampilkan desain
yang rapi dan lebih menarik, kotak-kotak atau tile yang terutama lebih pada
penggunaan kata-kata / konten daripada gambar. Kata-kata ini biasanya ditulis
dalam varian jenis huruf tunggal, Segoe, dan biasanya dalam gaya yang besar dan
jelas. </div>
<div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;">
<br /></div>
<div>
</div>
<div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;">
Metro UI termasuk design yang sukses hingga dia memikat
jutaan orang di dunia ini yang telah menggunakan design dengan konsep metro. </div>
<div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;">
Berikut beberapa contoh penggunaan design metro pada blog / website :</div>
<div class="separator" style="clear: both; text-align: right;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0-FotCmNhd4nNFa1wdhy4nT79XIoC_YyTYX2JdFfsAppxpGhtJNL-9opq5quheVGKx_7cPyDSOjejEurGsB8i65J22XV6hhHiZFzYD1kNSNjnKvfJ-leJH_QhsCkekzAaF4M8gTaJA4M/s1600/Flatro-Online-Shop-Template-2014-03-17-12-12-04.jpeg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0-FotCmNhd4nNFa1wdhy4nT79XIoC_YyTYX2JdFfsAppxpGhtJNL-9opq5quheVGKx_7cPyDSOjejEurGsB8i65J22XV6hhHiZFzYD1kNSNjnKvfJ-leJH_QhsCkekzAaF4M8gTaJA4M/s1600/Flatro-Online-Shop-Template-2014-03-17-12-12-04.jpeg" height="309" width="320" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEikuEXjP6b5d5Ew6CUarJsmoF7SUkOaN0Llljo3570LsuXtiqpGErVNb-lTeldhlmcZuAUnGTvz6V3UYZIahSQLGwgzu_gMpDXYLI2jAQW-hw6ktbr_KPGpzSg45SPocD-tyvJY_Q4CI3E/s1600/Bacceo.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEikuEXjP6b5d5Ew6CUarJsmoF7SUkOaN0Llljo3570LsuXtiqpGErVNb-lTeldhlmcZuAUnGTvz6V3UYZIahSQLGwgzu_gMpDXYLI2jAQW-hw6ktbr_KPGpzSg45SPocD-tyvJY_Q4CI3E/s1600/Bacceo.jpeg" height="198" width="320" /></a></div>
<br />
<br />
<div class="separator" style="clear: both; text-align: left;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEheoTWc2shG9qylEakn5FOcj_-zIdMUZVvrXuLsOnq8sCvn8yvpa9hYSVgZ9ueSB52-P9OzpdgYzujR-SiApkCGSZkZoBp1E4mtTVrm2PInzB7IZoBhdW9aMZhxSbJU45xmCVdWLswLb-U/s1600/Matrix-Responsive-Tile-Based-Template.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEheoTWc2shG9qylEakn5FOcj_-zIdMUZVvrXuLsOnq8sCvn8yvpa9hYSVgZ9ueSB52-P9OzpdgYzujR-SiApkCGSZkZoBp1E4mtTVrm2PInzB7IZoBhdW9aMZhxSbJU45xmCVdWLswLb-U/s1600/Matrix-Responsive-Tile-Based-Template.jpg" height="244" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: right;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvBo5DN9DYfWcK09BvstgsQRDx6A8eo7R1Wm0M7Ws401bIb4WBHqlo733cDNE4tP5FsYrsnek-Mme9zTOidjizF091PMPDPgf25E3HYSuACjjw1o1VNNAmG8VHJSSoNKkMx2FM0bAG8m8/s1600/MetroLite-Responsive-Coming-Soon-Template-ThemeForest-Previewer.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvBo5DN9DYfWcK09BvstgsQRDx6A8eo7R1Wm0M7Ws401bIb4WBHqlo733cDNE4tP5FsYrsnek-Mme9zTOidjizF091PMPDPgf25E3HYSuACjjw1o1VNNAmG8VHJSSoNKkMx2FM0bAG8m8/s1600/MetroLite-Responsive-Coming-Soon-Template-ThemeForest-Previewer.jpg" height="205" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: left;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhqWvFVR6S8VgTHRW6uvZZxol7ZYgE-qDUNIKQuRoqMB15owaMXjUCe7fSchaj-4M3EwPRGecBVP8jIDURW8ibgtQ69ofSTzENmzMBT97HkOoOh0R267pqhX-wfE5WgyPZKLHST2vEUyuU/s1600/Origami-Metro-Inspired-Vcard.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhqWvFVR6S8VgTHRW6uvZZxol7ZYgE-qDUNIKQuRoqMB15owaMXjUCe7fSchaj-4M3EwPRGecBVP8jIDURW8ibgtQ69ofSTzENmzMBT97HkOoOh0R267pqhX-wfE5WgyPZKLHST2vEUyuU/s1600/Origami-Metro-Inspired-Vcard.jpg" height="196" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: right;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEibQBhG3GsAuy2WZTLvit8rVmz4ODuE3yRuxRSHki_iaaQVqJGApC-YXVX9wDnluYhAPGLogGFyhQArux0I0cPMZoZA33G4Bo1RqmpdEwosDlEdliRW3tHT-yyMItz3VhAjyzSRPpoqAuo/s1600/Weve-Responsive-Metro-Style-HTML-CSS-Template.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEibQBhG3GsAuy2WZTLvit8rVmz4ODuE3yRuxRSHki_iaaQVqJGApC-YXVX9wDnluYhAPGLogGFyhQArux0I0cPMZoZA33G4Bo1RqmpdEwosDlEdliRW3tHT-yyMItz3VhAjyzSRPpoqAuo/s1600/Weve-Responsive-Metro-Style-HTML-CSS-Template.jpg" height="256" width="320" /></a></div>
<div class="MsoNormal" style="font-family: Verdana,sans-serif; text-align: justify;">
<br /></div>
<span style="font-family: Verdana,sans-serif;">Sekian. </span><br />
<div style="text-align: justify;">
<span style="font-family: Verdana,sans-serif;">Semoga postingan tentang </span><b style="color: #6fa8dc; font-family: Verdana,sans-serif;">Metro UI Design</b><span style="font-family: Verdana,sans-serif;"> ini bisa membantu dan bermanfaat buat sobat,terima kasih dan happy blogging.</span></div>
Athwar Asharhttp://www.blogger.com/profile/05342791666236676515noreply@blogger.com0tag:blogger.com,1999:blog-530376966828643524.post-85394217380771536882014-08-13T06:25:00.000-07:002014-08-18T21:35:53.754-07:00Membuat Widget Social Network bergaya Metro<div class="separator" style="clear: both; text-align: left;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgNd366d8z8GfTGDMO5YEPa2xjhQU37DZe5OXoyNzk5ppzHpD9yGd1MsKoFMDk25XcszZEKG9t3p5glpwJcSwGDBRHzX-fRTVmDoC0ATHBQzEvGmG-Ct26KKIvqNFqepxhBv8laX4Qe_Kk/s1600/social2.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="widget social network ala metro" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgNd366d8z8GfTGDMO5YEPa2xjhQU37DZe5OXoyNzk5ppzHpD9yGd1MsKoFMDk25XcszZEKG9t3p5glpwJcSwGDBRHzX-fRTVmDoC0ATHBQzEvGmG-Ct26KKIvqNFqepxhBv8laX4Qe_Kk/s1600/social2.jpg" title="widget social network ala metro" /></a></div>
<br />
<br />
<br />
<br />
<br />
<b style="color: #6fa8dc;"><span style="font-family: Verdana,sans-serif;">Membuat Widget Social Network bergaya Metro</span></b><b style="font-family: Verdana,sans-serif;"> - </b><span style="font-family: Verdana,sans-serif;">kali ini saya ingin membagikan tentang bagaimana cara membuat (baca: menambahkan) widget social network bergaya metro. Penampakan bisa dilihat di sidebar widget blog ini.</span><br />
<span style="font-family: Verdana,sans-serif;">Langusng saja, berikut langkah-langkahnya:</span><br />
<ul style="font-family: Verdana,sans-serif;">
<li><i>Pertama login ke akun sobat</i></li>
<li><i>Selanjutnya klik tata letak>> tambah gadget baru >> html/java script</i></li>
<li><i>Copy dan paste kan kode di bawah ini</i></li>
<li><i>Kemudian simpan dan selesai</i></li>
</ul>
<br />
<div style="background-color: #82cafa; border: 0pt none; font-family: "Helvetica Neue",Arial,Helvetica,sans-serif; padding: 10px; text-align: left;">
<span style="font-size: small;"><div class="metro-social"><br />
<li><a class="fb" href="http://www.facebook.com/<b><span style="background-color: #0b5394; color: white;">USER NAME</span></b>"></a></li><br />
<li><a class="tw" href="http://twitter.com/<b><span style="background-color: #3d85c6; color: white;">USER NAME</span></b>"></a></li><br />
<li><a class="gp" href="https://plus.google.com<b><span style="background-color: #cc0000; color: white;">/ID G+ ANDA</span></b>"></a></li><br />
<li><a class="pi" href="http://pinterest.com/<b><span style="background-color: #e06666; color: white;">USER NAME</span></b>"></a></li><br />
<li><a class="in" href="https://www.linkedin.com/in/<b style="color: white;"><span style="background-color: #3d85c6;">USER NAME</span>"</b>></a></li><br />
<li><a class="yt" href="http://www.youtube.com/<b style="background-color: #e06666;"><span style="color: white;">USER NAME</span></b>"></a></li><br />
<li><a class="fd" href="http://feeds.feedburner.com/<b><span style="background-color: #e69138; color: white;">NAMA BLOG</span></b>"></a></li><br />
</div><br />
<style><br />
.metro-social{width:285px}<br />
.metro-social li{position:relative;cursor:pointer;padding:0;list-style:none}<br />
.metro-social .fb,.tw,.gp,.pi,.in,.yt,.fd{z-index:7;float:left;margin:1px;position:relative;display:block}<br />
.metro-social .fb{background:url(//goo.gl/6xmUk) no-repeat center center #1f69b3;width:140px;height:141px}<br />
.metro-social .tw{background:url(//goo.gl/oyiFK) no-repeat center center #43b3e5;width:68px;height:70px}<br />
.metro-social .gp{background:url(//goo.gl/oT0kF) no-repeat center center #da4a38;width:69px;height:70px}<br />
.metro-social .pi{background:url(//goo.gl/7olxx) no-repeat center center #d73532;width:68px;height:69px}<br />
.metro-social .in{background:url(//goo.gl/PhFhj) no-repeat center center #0097bd;width:69px;height:69px}<br />
.metro-social .yt{background:url(//goo.gl/zcwjB) no-repeat center center #e64a41;width:140px;height:69px}<br />
.metro-social .fd{background:url(//goo.gl/lhBP1) no-repeat center center #e9a01c;width:140px;height:69px}<br />
.metro-social li:hover .fb{background:url(//goo.gl/MH8AP) no-repeat center center #1f69b3}<br />
.metro-social li:hover .tw{background:url(//goo.gl/hHRHv) no-repeat center center #43b3e5}<br />
.metro-social li:hover .gp{background:url(//goo.gl/wva4B) no-repeat center center #da4a38}<br />
.metro-social li:hover .pi{background:url(//goo.gl/IORvy) no-repeat center center #d73532}<br />
.metro-social li:hover .in{background:url(//goo.gl/2zHrm) no-repeat center center #0097bd}<br />
.metro-social li:hover .yt{background:url(//goo.gl/I1c4a) no-repeat center center #e64a41}<br />
.metro-social li:hover .fd{background:url(//goo.gl/CjzDP) no-repeat center center #e9a01c}<br />
</style></span></div>
<br />
<b style="font-family: Verdana,sans-serif;"><span style="color: red;">Note :</span></b><br />
<span style="font-family: Verdana,sans-serif;">
Jangan lupa untuk merubah tulisan <b><span style="background-color: #666666; color: white;">USER NAME</span></b> yang di beri highlight warna
pada URL diatas,seperti: Facebook page/user name, Twitter username,
Google+ user-id, Pinterest username, Linkedin profile url, Youtube
username atau, RSS/Feedburner feed url.</span><br />
<br />
<span style="font-family: Verdana,sans-serif;">Sampai disini anda sudah dapat <a href="http://athwar.blogspot.com/2014/08/widget-social-network-bergaya-metro.html" target="_blank">Membuat Widget Social Network bergaya Metro</a></span><span id="goog_2136685527"></span><span id="goog_2136685528"></span><span style="font-family: Verdana,sans-serif;">.</span><br />
<span style="font-family: Verdana,sans-serif;"><span style="font-family: Verdana,sans-serif;">Anda juga dapat menambahkan link/gambar social network lainnya seperti kaskus, blogger profile, dan lain-lain (akan saya share kemudian).</span></span><br />
<br />
<span style="font-family: Verdana,sans-serif;">Sekian. </span><br />
<span style="font-family: Verdana,sans-serif;">Semoga postingan ini bisa membantu dan bermanfaat buat sobat,terimakasih dan happy blogging.<span style="font-family: Verdana,sans-serif;"> </span></span>Athwar Asharhttp://www.blogger.com/profile/05342791666236676515noreply@blogger.com1tag:blogger.com,1999:blog-530376966828643524.post-35141558381047470952014-08-04T22:55:00.000-07:002014-08-04T22:55:24.017-07:00Cara Mudah Daftar Google AdSense Melalui Blogger<h4 style="font-family: Verdana,sans-serif;">
Cara Daftar Google AdSense Melalui Blogger Agar Mudah Diterima </h4>
<div style="font-family: Verdana,sans-serif;">
1. Silahkan anda log in di akun Blogger anda menggunakan username dan pasword anda masing-masing</div>
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<br /></div>
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2. Masuk ke Dashboard Blogger dan pilih menu Penghasilan. </div>
<div style="font-family: Verdana,sans-serif;">
Silahkan klik tombol Mendaftar AdSense. </div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgchrKmxNKoS6rLWhs3cKf1k-twPbCOMTGvZvhOHtkh9Q0HYbsekFAVcM53v2x0EefDn8KA5xG7lubExyvkynn0r0mTtJiS_wQlA_9UJepYWipE0VIgOgCVemIas_JENP0b0XiML21Ey0o/s1600/Cara-Daftar-AdSense-2.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="klik tombol Mendaftar AdSense" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgchrKmxNKoS6rLWhs3cKf1k-twPbCOMTGvZvhOHtkh9Q0HYbsekFAVcM53v2x0EefDn8KA5xG7lubExyvkynn0r0mTtJiS_wQlA_9UJepYWipE0VIgOgCVemIas_JENP0b0XiML21Ey0o/s1600/Cara-Daftar-AdSense-2.jpg" height="164" title="klik tombol Mendaftar AdSense" width="320" /></a></td></tr>
<tr style="font-family: Verdana,sans-serif;"><td class="tr-caption" style="text-align: center;">klik tombol <span style="text-decoration: underline;">Mendaftar AdSense</span></td></tr>
</tbody></table>
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<br /></div>
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3. Maka anda akan menuju halaman ini. </div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgchrKmxNKoS6rLWhs3cKf1k-twPbCOMTGvZvhOHtkh9Q0HYbsekFAVcM53v2x0EefDn8KA5xG7lubExyvkynn0r0mTtJiS_wQlA_9UJepYWipE0VIgOgCVemIas_JENP0b0XiML21Ey0o/s1600/Cara-Daftar-AdSense-2.jpg" style="margin-left: 1em; margin-right: 1em;"><br />
</a></div>
<span style="font-family: Verdana,sans-serif;">Silahkan klik tombol Ya, Gunakan Email xxx@gmail.com</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0FREBC1zR_sYZdDMXUou1cLA7U8PRB9kImMWNzFwAKUbW62ySOzb9d8UQNnE9NddDUpejX5P0T7Z6wnf74wHrMA4LPfrFU0PAksv5PPTlabFwd49zOyR5UOHsczKCTWvwQ1JrlrTLseI/s1600/Cara-Daftar-AdSense-3.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="step 2 daftar adsense via blogger" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0FREBC1zR_sYZdDMXUou1cLA7U8PRB9kImMWNzFwAKUbW62ySOzb9d8UQNnE9NddDUpejX5P0T7Z6wnf74wHrMA4LPfrFU0PAksv5PPTlabFwd49zOyR5UOHsczKCTWvwQ1JrlrTLseI/s1600/Cara-Daftar-AdSense-3.jpg" height="214" title="step 2 daftar adsense via blogger" width="320" /></a></div>
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<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgchrKmxNKoS6rLWhs3cKf1k-twPbCOMTGvZvhOHtkh9Q0HYbsekFAVcM53v2x0EefDn8KA5xG7lubExyvkynn0r0mTtJiS_wQlA_9UJepYWipE0VIgOgCVemIas_JENP0b0XiML21Ey0o/s1600/Cara-Daftar-AdSense-2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><br /></a></div>
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4. Langkah selanjutnya silahkan check list Bahasa Konten, misal Bahasa Indonesia. Check list juga bahwa anda sudah membaca dan menyetujui kebijakan program AdSense. Setelah itu, silahkan klik tombol Lanjutkan.</div>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEic5V4bMOOXKly1EiDkagiwx1EbCccYXAhjGrjZ0UcdCnr7gd1JEkpOFiMLDpGvO6jQJpccHHKUqNTAp-DRLHMTZI5NOIAUlTE5e2mIjXKLmYU5JNv8N0W-jjW3yYkhvyM_phs5QrzANNE/s1600/Cara-Daftar-AdSense-4.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="step 4 daftar adsense via blogger" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEic5V4bMOOXKly1EiDkagiwx1EbCccYXAhjGrjZ0UcdCnr7gd1JEkpOFiMLDpGvO6jQJpccHHKUqNTAp-DRLHMTZI5NOIAUlTE5e2mIjXKLmYU5JNv8N0W-jjW3yYkhvyM_phs5QrzANNE/s1600/Cara-Daftar-AdSense-4.jpg" height="229" title="step 4 daftar adsense via blogger" width="320" /></a></div>
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5. Silahkan lengkapi biodata diri anda pada formulir yang sudah disediakan yang mana meliputi Negara, Jenis Akun (perorangan), Nama Penerima Pembayaran, Alamat Lengkap, Nomor Hand Phone, dan Preferensi Email. Setelah itu, silahkan klik tombol Kirim Permohonan Saya. </div>
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<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjCbcFu_kikkBQuLLH69kdWgK-kyZEjA5woHf1KdOE61kYDo3YgUMxxzrRaF2LwQz6sPqqLnS0omRe3pCE3ngtX8fbhEe5Vb4TGrl-layqm2kYb1RhH8O97s8SZMw9OeJmKdbE_ggYEqaA/s1600/Cara-Daftar-AdSense-5.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="step 5 daftar adsense via blogger" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjCbcFu_kikkBQuLLH69kdWgK-kyZEjA5woHf1KdOE61kYDo3YgUMxxzrRaF2LwQz6sPqqLnS0omRe3pCE3ngtX8fbhEe5Vb4TGrl-layqm2kYb1RhH8O97s8SZMw9OeJmKdbE_ggYEqaA/s1600/Cara-Daftar-AdSense-5.jpg" height="304" title="step 5 daftar adsense via blogger" width="320" /></a></div>
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<br /></div>
<div style="font-family: Verdana,sans-serif;">
<br /></div>
<div style="font-family: Verdana,sans-serif;">
6. Silahkan klik tombol Lanjutkan. </div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjngEZHWYo_yGq4s-StJd7YeXGDAI6zqze2Zd5tu_4BCFDIuAKUAEkw05BOEE9P8zOHioNhvmW_4ypCLS2Q1yi_TNAZiBj66tSPV2WextCdnUw5tcmrf_Ee0VtCaiYzvYnNneSkjfqiVsg/s1600/Cara-Daftar-AdSense-6.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="step 6 daftar adsense via blogger" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjngEZHWYo_yGq4s-StJd7YeXGDAI6zqze2Zd5tu_4BCFDIuAKUAEkw05BOEE9P8zOHioNhvmW_4ypCLS2Q1yi_TNAZiBj66tSPV2WextCdnUw5tcmrf_Ee0VtCaiYzvYnNneSkjfqiVsg/s1600/Cara-Daftar-AdSense-6.jpg" height="216" title="step 6 daftar adsense via blogger" width="320" /></a></div>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjirnaDZj1dRG10SZ6QMmb8BrPIulq52w3N8dre_DDvJGn2gNRjnhX3pbHHFMlErM_9l4J1BEU6sI6tgawAc_j_CcP-A-OMqUPdlcUtcAGPmcsJRU2dQTTGESG9nMJ3BZdJpKEkDt9xXRM/s1600/Cara-Daftar-AdSense-6.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><br /></a></div>
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</div>
<div style="font-family: Verdana,sans-serif;">
7. Selamat!!! Anda sudah berhasil melakukan pendaftaran AdSense.</div>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvUynJlDqX6AkegxaNZEPRLjvHZtKstDdkyoILBSHYlQNUCE4r-jr1340IB3MKFtiZppDzw_x28pxaR9fG14mnEZKXsw2EYp80MVmlR9dYM0db3RzbMncAD1P9CFAEIIFX-2THFW4HL-Q/s1600/Cara-Daftar-AdSense-7.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="adsense blogger" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvUynJlDqX6AkegxaNZEPRLjvHZtKstDdkyoILBSHYlQNUCE4r-jr1340IB3MKFtiZppDzw_x28pxaR9fG14mnEZKXsw2EYp80MVmlR9dYM0db3RzbMncAD1P9CFAEIIFX-2THFW4HL-Q/s1600/Cara-Daftar-AdSense-7.jpg" height="158" title="adsense blogger" width="320" /></a></div>
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<span style="font-family: Verdana,sans-serif;">Silahkan tunggu 3 hari atau 1 minggu untuk mengetahui apakah
permohonan akun AdSense anda bisa di approve atau tidak oleh Team Google
AdSense. Pemberitahuannya akan dikirim via Email. Oleh karena itu,
silahkan cek kotak masuk/inbox Gmail anda secara rutin.</span>
</div>
<div style="font-family: Verdana,sans-serif;">
<br /></div>
<span style="font-family: Verdana,sans-serif;">Demikian informasi sederhana yang bisa saya share untuk anda tentang </span><b style="font-family: Verdana,sans-serif;">Cara Daftar Google AdSense Melalui Blogger Agar Mudah Diterima</b><span style="font-family: Verdana,sans-serif;">.
Semoga bisa bermanfaat untuk anda semuanya yang sedang ingin mengajukan
permohonan ke pihak AdSense. Kurang lebihnya saya mohon maaf dan
terimakasih banyak atas kunjungannya. </span><br />
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Athwar Asharhttp://www.blogger.com/profile/05342791666236676515noreply@blogger.com1tag:blogger.com,1999:blog-530376966828643524.post-54843093626261094852014-07-24T01:53:00.001-07:002014-07-24T01:56:07.242-07:0010 Tips for Mastering Facebook<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKh5IUZq1tgiCZGVR3zj235pUZqdGtLrOfqaGvT9ZLH8NnigNw9sv2J2PKZak9tEha2qkjwlgupWGm_w9XdUi_2owVhMma-DlOAo0x5Vh61bAwrByMxEQkbH5u5FF7AbgO0OKbmQtw_SU/s1600/does-facebook-hold-the-master-key.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="mastering facebook" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKh5IUZq1tgiCZGVR3zj235pUZqdGtLrOfqaGvT9ZLH8NnigNw9sv2J2PKZak9tEha2qkjwlgupWGm_w9XdUi_2owVhMma-DlOAo0x5Vh61bAwrByMxEQkbH5u5FF7AbgO0OKbmQtw_SU/s1600/does-facebook-hold-the-master-key.jpg" height="151" title="tips of mastering facebook" width="320" /></a></div>
When it comes to social media, Facebook is a behemoth. Earlier this year, the big blue social network had 1.28 billion monthly active users. That is head and shoulders above other popular sites like Twitter or Pinterest.<br />
Translation: Using Facebook correctly can be a huge opportunity for
both individuals and businesses. Post the right types of content at the
right times of day and you can see a flood of new customers or fans of
your brand.<br />
But as with any opportunity, Facebook has a number of moving,
sometimes confusing parts. Facebook marketing is one part art, one part
science, mixing bits of human interaction with actual product marketing.<br />
The tips below aim to answer some of the questions you might have
about creating and getting the most out of a Facebook page. Give these
some thought and start rocking it on Facebook -- now.<br />
<b>1. When posting, don’t forget the pictures.</b><br />
They say a picture is worth a 1,000 words. On Facebook (and on
Facebook-owned Instagram), a picture must be worth at least 1,000
text-only posts.<br />
People engage with compelling images. Yes, this is an opportunity to
showcase your products, but it’s also a chance to share pictures of your
team, your facility and of your customers’ best experiences with your
brand.<br />
It’s also a way for you to interact with your customers. Encourage
them to share their own pictures using your product or service. You can
monitor these images and contribute to the conversation by liking or
commenting on them or by sharing them on your own page.<br />
<b>Read more: </b><b>A (Good) Picture Is Worth a Thousand (Text-Only) Posts</b><br />
<b>2. Know when’s best to post.</b><br />
There are numerous reports out there that claim the best times of day
for posting content to specific social networks. While some of the
information can vary from report to report, it appears posting to
Facebook on Fridays is a smart idea, as engagement rates tend to be
highest.<br />
Productivity starts to dwindle on Fridays. It’s no secret. You can
capitalize on people killing time by surfing their Facebook feeds
instead of, you know, doing more important things.<br />
<b>Read more: </b><b>Why Your Brand Should Be Posting on Facebook on Fridays</b><br />
<b>3. Attract customers and increase engagement by asking questions and creating contests.</b><br />
A big part of the reason you’re on Facebook is to engage with people
and attract them to your brand. Only broadcasting marketing messages
isn’t going to cut it.<br />
One way to attract people to your Facebook page is to run a simple
contest. More than a quarter of fans say they’ve liked a page in order
to participate in a contest. Using words like “winner,” “win,” “entry,”
“contest,” “enter” and “promotion” are most likely to get people
interested.<br />
Once people start liking your Facebook page, you can ramp up human
interaction by asking questions. Question posts get 100 percent more
comments than ones without questions.<br />
<b></b><b><br /></b>
<b>4. Let your emotions out.</b><br />
Within reason, of course. Why? Studies show that emotions are contagious
on Facebook. If something in your industry has you excited or riled up,
don’t be afraid to express your thoughts and emotions about it (without
being hurtful to anyone else, obviously). These types of posts are
often shared more and can increase engagement.<br />
While you’re at it, you might as well ask your fans to share their opinions and emotions, too.<br />
<b></b><b><br /></b>
<b>5. Encourage employees and fans to ‘check in.’</b><br />
Facebook’s check in feature can be a fun and useful way to raise your
company’s profile on the site. Some employers require their employees to
check in when they clock in for a shift. Some also softly suggest that
their customers check in. Others make the check in mandatory if a person
wants to use in-store Wi-Fi.<br />
<b></b><b><br /></b>
<b>6. Remember, niche is more important than numbers.</b><br />
Sometimes social media can become a popularity contest. Entrepreneurs
shouldn’t become obsessed with having more fans and followers than the
competition. What’s the sense in having 100,000 fans if the majority of
them aren’t engaging with you or spending their money with you?<br />
Creepy or not, Facebook collects an enormous amount of demographic
and behavioral information on its users. You can tap into this wealth of
data to target specific types of people who are most likely to be your
customers in the real world.<br />
<b></b><b><br /></b>
<b>7. Etiquette should be a top priority. </b><br />
You should be the template for your typical Facebook fan. You know your
brand inside and out. You should also know the type of content you’d
want to see each day and how often.<br />
If your plan is to flood the zone with marketing content, repost the
same thing over and over again or to directly solicit likes and shares
then, well, you might need a new plan. Not only do your followers not
want to see spammy posts, neither does Facebook. The company said
recently that it would start decreasing regular distribution for repeat
offenders.<br />
Consider yourselves warned.<br />
<b></b><b><br /></b>
<b>8. Don't panic if your organic reach isn't crazy high.</b><br />
If you’re not paying for advertising on Facebook, your posts might only
be reaching a small portion --perhaps as low as only 6 percent -- of
your overall followers. And, it turns out, this is completely normal.
Also, completely frustrating.<br />
In a recent blog post, Facebook explained that the nosedive in
organic reach is due to increased “competition” on the News Feed. In
other words, there is so much content being published to Facebook, only
so much can be featured in people’s feeds.<br />
If you’ve seen your reach plummet in recent months, there are steps you can take to increase it a bit.<br />
<b></b><b><br /></b>
<b>9. Consider giving Facebook Advertising a try.</b><br />
Experts say that advertising on Facebook can be a huge opportunity for some brands. You pay for ads and Facebook promises to expose you to people you might not have been able to reach on your own.<br />
If your company is paying for Facebook ads, be sure to track your results and measure your ROI. Advertising on Facebook isn’t for everyone.<br />
<b></b><b><br /></b>
<b>10. Speaking of ads, you can personally opt out if you want to.</b><br />
This is great for individual users and potentially also beneficial for
companies that pay money on the ads that people can now block. Facebook
recently started giving users a way to better customize what
advertisements pop up on their pages.<br />
So, instead of letting Facebook mine every step they take on the site
and elsewhere online and serving that data up to its advertisers,
people can opt out and change their personal settings.<br />
For advertisers, this means your ads might be seen by fewer people,
but it will be delivered to those who will be more inclined to interact
with your ads. Again, niche is better than numbers.Athwar Asharhttp://www.blogger.com/profile/05342791666236676515noreply@blogger.com1tag:blogger.com,1999:blog-530376966828643524.post-27902226018110730532010-02-14T22:47:00.000-08:002010-02-14T22:47:01.794-08:00Purchase Structured Settlements<h2 class="h2-padding"> <span id="text-heading-229553">How to Purchase Structured Settlements</span> </h2><div class="section-img-frame section-img-right"><div class="section-img-caption">Are you looking to invest cash in structured settlements? (Photo by Christy Thompson)</div></div><ul><li>State and federal law may restrict the sale of structured settlements, and there are many legal complications that can arise. Since you'll be exchanging cash for the right to receive future payments, you'll want to make sure that you are protected. </li>
</ul><ol><li>Work with an established broker. </li>
<li>Look for a structured settlement financing company who is a member of the National Structured Settlements Trade Association who also places settlements with private investors. </li>
<li>Get multiple quotes to ensure you get the best deal. </li>
<li>Retain an attorney to review the agreement to ensure your interests are protected. </li>
</ol>Athwar Asharhttp://www.blogger.com/profile/05342791666236676515noreply@blogger.com0tag:blogger.com,1999:blog-530376966828643524.post-42149450205710945832010-02-11T20:38:00.001-08:002010-02-11T20:38:59.950-08:0015 Construction Loan "Inside Secrets" To Building Your New Home<div align="justify"><span class="style2">by: <span style="color: #fb7014; font-family: Times New Roman; font-size: small;">Rick Gomez</span></span></div><span class="style2"> <br />
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1. Which construction loans are available and which one should you apply for? <br />
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Home loan banking and the internet has changed the mortgage and construction loan industry forever. Today's construction loan choices include the 30 year fixed, 15 year fixed, 1 year ARM, 3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM and don’t forget the popular interest only loans. <br />
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The construction loan of the past was a short term 1 year loan that the customer would have to refinance into a new loan once the construction was completed. <br />
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This two time process cost the customer two sets of closing costs and you would have to re-qualify for the new loan once the home was completed. <br />
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The most popular construction loan today is the "One Time Close" but not all are created equal. Just like any product there are the best loans, good loans and downright bad loans. <br />
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With today's technology you now have the ability to obtain a construction loan from the best banks in the country and sign your loan documents at your local title company or escrow office. This benefit allows you to have the most competitive construction loan available. <br />
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The loan that you should apply for is simple; ask for the lowest rate, one time close for a specific period of time that you think you'll be living there. <br />
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2. Which lenders/banks have the best construction loans and what do you need to apply? <br />
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There are plenty of banks willing to lend money for mortgages, refinancing, home equity loans and every other type of loan. But if you're planning on building a new home, where do you get the best construction loan with the most competitive pricing? <br />
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More importantly what is a good construction loan? <br />
A typical construction loan nowadays is a construction to permanent loan that may or may not allow you to lock-in today's low interest rates until the home is completed. If you choose a loan that does not allow you to lock in upfront, the interest rate may end up higher along with your monthly payment. <br />
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The most important thing when searching for a good construction loan is to find an experienced construction loan specialist that knows which banks are the best. <br />
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The best banks can offer you a low rate now, upfront, before you start building your new home. <br />
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3. Should you go directly to your local bank or to a loan broker for your loan? <br />
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Most banks offer loans, and going to them is like shopping at a Ford dealer. The only thing you can get at the Ford dealer is a Ford. But what if you want choices? <br />
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One way to get different choices is to go shopping to every bank in town. Or you can call an experienced construction loan broker who has done all of the homework for you and has direct access to hundreds of banks nationwide. <br />
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A broker is a representative for hundreds of banks. Although the broker serves as middle-man, his or her services will not cost you anything extra. That's because brokers get loans at wholesale rates, and pass them along to their clients at retail prices, just like any other business. <br />
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The difference between wholesale and retail is how brokers make money. Therefore, you get the same rate from a broker as if you went directly to the lender yourself. <br />
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In Fact, because or their volume, many brokers are able to offer their clients better deals than you can get by talking to the banks on you own. <br />
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With an experienced construction loan broker you can shop dozens of the most competitive banks nationwide, work with wholesale pricing and can negotiate on rates and pricing. <br />
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4. Should you lock in your construction loan before you start building or let the interest rate float? <br />
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If the rates are heading upward, lock. If the rates are stable, relax. If the rates are headed downward, float. <br />
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Right now interest rates are at an all time low and can only go up in the near future so make sure your construction loan is locked into today's best interest rates with the ability to float downward. <br />
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Inexperienced loan officers will offer their customers an enticing low adjustable rate during construction without an upfront lock-in and the customer may end up having to lock into higher interest rates when the home is completed. <br />
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Or the customer is sold on a higher rate during construction with a float down option after the home is built. Again, the rate could be much higher when the home is completed. <br />
Meanwhile the loan officer has been paid and has moved on to the next loan. The only time you want this type of loan is if it’s the only loan you qualify for. <br />
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Most loan officers do not explain this to their customers until it's too late (Closing). <br />
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Always ask. Is the construction loan rate locked upfront or floating during the construction loan period? Then ask, is the rate during the construction loan the same rate when the loan converts into the mortgage period. <br />
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5. What experience does your construction loan officer have and does it matter? <br />
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When it comes to money its amazing how fast any loan officer becomes an instant expert at construction loans. You must keep in mind that all loan officers are salespeople. Yes, I know they have fancy titles like loan officer or vice president but the title is nothing but a fancy name for loan salesperson. <br />
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Loan salespeople usually have one main goal in mind when helping you with your loan request and that is the commission. By the way, the fancy name for commission in the loan business is called a loan fee, points or yield spread premium (YSP). <br />
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Now don't get me wrong, there are a lot of good honest sales people (loan officers) that work very hard at providing you the best service and rates. What’s important is distinguishing the good from the bad. <br />
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The following questions allow you to quickly find out if your loan officer is experienced at construction loans. <br />
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1. How long have you been doing construction loans? 5 years or more is best. <br />
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2. What is the loan to cost (LTC) required for construction loans? This is cash equity such as down payment on land. This can range from 5 to 20%. <br />
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3. What is better? The voucher or draw disbursement system and why? Draw is now the most popular because the customer has the control of the money. <br />
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If the loan officer (sales person) can answer these questions with no problem then they have passed a pretty good litmus test. <br />
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If you really want to throw a curve at them, ask the loan officer if they have ever built a home themselves and what type of construction loan did they get. <br />
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If you find a loan officer that has gone through the experience of building a home themselves then the odds are you have found an experienced loan officer. <br />
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6. Qualifying for your construction loan, exactly how is it done? <br />
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The first thing your loan officer wants to see is your completed loan application. The loan application called the (1003) will tell a story of your financial picture. <br />
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The completed loan application will tell the loan officer many things including, <br />
1. What type of loan you want. <br />
2. How much money you need. <br />
3. Your social security number. <br />
4. Your current employers. <br />
5. A list of all you assets (money) and liabilities (bills). <br />
6. How much money you make. <br />
7. How much real estate you own. <br />
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Once the loan officer has your loan application in hand they can determine whether you can qualify for a loan. <br />
One of the first items pulled is your credit report. The credit report is going to tell 3 main important things. <br />
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1. Show your current credit score. The credit score can range from 500 to 800. <br />
2. Show a complete list of all your monthly liabilities (bills). <br />
3. Show all past credit problems including bankruptcies, foreclosures and late payments. <br />
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With this information the loan officer will do an analysis to determine if you can qualify for the loan amount that you’re looking for. <br />
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This analysis determines a ratio called the (income to debt ratio) and depending on the banks underwriting guidelines this ratio will usually range from 36% to 45%. <br />
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The income to debt ratio is the percentage of monthly debt payments (including your new mortgage payment, taxes and insurance). This ratio should not exceed 36% to 45% of your monthly income. <br />
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Some banks will allow you to exceed this ratio if you have an excellent credit history and excellent credit score. <br />
The current and the most popular method of qualifying for a loan today is the stated income loan. <br />
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Stated income allows you to qualify without verifying your income on your tax returns, W 2's or pay stubs. The only thing the bank verifies when applying for a stated income loan is your credit score, liquid assets and that you're employed. <br />
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7. How not to be taken by the oldest trick in the book "Bait and Switch"? <br />
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The mortgage lending business is notorious for baiting and switching. <br />
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Baiting and Switching is when a loan officer or advertisement offers you one thing and then tries to sells you something else. <br />
Typical signs of baiting and switching are obvious, some basic examples are: <br />
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1. Over the phone, you are offered a much lower rate than any other quote and once you've sent in your application the rate you were quoted has all of a sudden vanished. <br />
2. You are offered a construction loan with no points and no loan fee's. What you are not told is that you are paying for it with a higher interest rate and the costs are built into the loan. <br />
3. You are told that you will not have any payments while you're building. What you're not told is that all construction loans have this option and it's called "interest reserves" and the payments are added to the loan amount. <br />
Remember three important facts and you will always be in good shape. <br />
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1. If it sounds too good to be true there's usually a reason. <br />
2. Always get your quote in writing, (ask for a good faith estimate). <br />
3. If you are satisfied with the rate and construction loan program that you are quoted, ask to lock it in upfront. <br />
On the flipside, it is very important to realize that most loan products typically go hand in hand with banking guidelines. These guidelines are provided to loan officers to coincide with the customer's qualifications. <br />
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For example, if you have a very high (FICO) credit score with land free and clear, you have more loan options than the person with a very low (FICO) score and no land equity. <br />
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8. Now for the biggest secret of all, ready? All banks have access to the same rates and the only reason everyone ends up with a different rate is directly related to how much your loan officer and bank is going to profit from you. <br />
You should probably read that one again. <br />
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Your loan officer gets paid like all sales people either by: <br />
1. Salary plus commission <br />
2. Commission only. <br />
It doesn't matter if you walk directly into a bank or work with a broker, basically everyone gets paid the same. <br />
If you walk directly into a bank the loan officer most likely gets a basic salary and a percentage of the loan origination fee (points and yield spread premiums). If you work with a broker the broker usually works on a straight commission (points and yield spread premiums). <br />
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Becoming a broker allows the loan officer the ability to offer their customers the best loans with the most options. <br />
It always amazes me when I see TV commercials or hear radio commercials advertising $395, zero closing costs. I always wonder if people understand how they can do that. <br />
Ok, here is how it is done. <br />
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The inside secret is that in exchange for these low or zero closing costs the lenders will make their profits and cover the costs of the loan by charging you a higher interest rate. <br />
This higher interest rate pays what they call in our industry a (YSP) yield spread premium. <br />
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By charging you a higher interest rate over the life of the loan the bank can easily afford the commercials, commissions, payroll, and cover the costs of the loan while still making a profit. Also the service is usually very poor and impersonal. <br />
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So the next time you see advertising with no closing costs you will know exactly how they are doing it. <br />
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So please remember that there is no such thing as a free lunch in any business. Business wouldn't be business if there were no profits. The most important thing is that you want the best loan available at a fair price with an experienced loan officer. <br />
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9. What are interest reserves and contingency funds doing in your closing costs? <br />
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The two things most customers do not factor into the cost of the building their new home are interest reserves and contingency funds. <br />
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Interest reserves are added to your loan amount to make the monthly payment on your loan. Yes, you read that correctly, you will not have to make a monthly construction loan payment while your home is being built. <br />
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The payments are made from this interest reserve account and no, it’s not free. This reserve is added to your construction loan amount. <br />
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Interest reserves were designed for the benefit of the customer. Most people building a new home are either paying rent or have an existing mortgage payment while their home is being built. <br />
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The last thing a customer needs is another monthly payment while building. So, banks created the interest reserve account by adding up the estimated interest payments over a 12 month period and add this to the loan amount. <br />
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If you do not want interest reserves added to your construction loan amount you can ask to make your own monthly construction loan payment. <br />
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Contingency funds are added to the loan amount just in case you need more money to build your new home. <br />
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With all good intentions construction loans tend to have cost over runs. The bank adds 5% to 10% of the cost breakdown and adds this amount to the loan amount just in case you have cost over runs or need better appliances. <br />
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If you don’t need or use this extra contingency fund then it will not be added to your mortgage upon completion of your new home. <br />
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So when you apply for a construction loan ask your loan officer to provide you a copy of the estimated construction loan budget. <br />
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The budget is created from your costs and includes every cost within the loan including land balances, closing costs, interest reserves, contingency and bank fees. <br />
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10. What is loan to value (LTV) and loan to cost (LTC)? Why it’s probably the most important factor in getting approved for a construction loan besides your income and credit. <br />
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Initially most banks are concerned with loan to appraised value (LTV) but banks are really more concerned with how much cash you have in the project (LTC). <br />
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If you were buying a home instead of building you would normally have to put 20% of the purchase price as a down payment. <br />
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Since you’re building a home your cash equity usually comes in the form of how much cash you put down on your land. <br />
Cash equity is king when applying for a construction loan. <br />
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For example, if you bought a $200,000 piece of land and the land is owned free and clear you have a lot of cash equity. <br />
With this much cash equity you will most likely not have to bring in any additional cash. <br />
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Or if you bought a piece of land over 12 months ago for $100,000 and its now worth $200,000 the bank will use the current value because you bought it over 12 months ago. <br />
In both cases you have brought $200,000 cash equity to the table. <br />
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Now if you just bought a piece of land for $200,000 and you only put down $20,000 most banks will want to see 10% to 20% cash into the total project. <br />
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Other qualifying cash equity that can be counted are any pre-paid’s such as plans, grading, permits etc. These pre-paid's can be used for cash equity or you can be reimbursed from the construction loan at closing. <br />
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11. Should you hire a builder or be an owner builder? <br />
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Do you really want to be an owner-builder? The goal of being an owner builder is mainly to save money. Some people can save quite a bit of money if done correctly. <br />
Some people are not meant to be owner builder. <br />
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Possible problems when acting as owner builder are: <br />
1. Construction cost over runs. <br />
2. The best banks with the best rates require a builder or supervisor. <br />
3. Managing contractors to finish on time or to show up for work. <br />
4. Depleting your personal savings. <br />
5. The need to borrow more money. <br />
6. Loan extension penalties. <br />
7. Being taken by unscrupulous contractors. <br />
8. The need to refinance your construction loan. <br />
9. Foreclosure. <br />
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I could go on and on about the horror stories I hear from Owner Builders that did not get a construction loan and acted as their owner builder. <br />
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If you have never built a home before and absolutely need to act as owner builder please take my advice and hire a reputable builder to supervise you and the building of your new home, for a much smaller fee than their normal fee. <br />
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The builder/supervisor will help you with the cost breakdown and manage the subcontracting on an as needed basis. If one of your contractors gets out of hand or you need help of any kind, you can call the supervisor for assistance. <br />
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Your job is to make sure you are hiring the right people to complete your home. It can make the difference between happiness and misery. <br />
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For those of you that have experience at building homes but do not have a license ask about our owner builder program. To qualify you will need a resume showing your experience. <br />
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If you decide on hiring a builder to do everything make sure you hire a reputable builder or supervisor with a good reputation and plenty of references. <br />
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Ask your friends if they know a good builder and when you start to hear the same name over and over you know you've found a good one. Ask the building inspector for a list of reputable builders. <br />
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The most important point is shop around until you find a builder with the most reputable and honest background. <br />
If you pay a little more for an honest and reputable builder or supervisor you will be very thankful before, during and after your home is completed <br />
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12. How does your builder determine how much your home will cost to build? <br />
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The Estimated Cost Breakdown of your home is probably one of the most important forms in the construction loan package. This is the breakdown of each particular cost of construction of the home. The foundation, lumber, framing, plumbing, heating, electrical, painting, and builder's profit, etc. <br />
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The builder usually completes this form to show you exactly what it will cost to build your new home. The most important thing to remember here is that you do not want to underbid any line item and you do not want to overbid any line item. You want accurate numbers from real bids (not guesses) and a 5% contingency for cost overruns. <br />
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Good builders will send out the house plans to their contractors for specific bidding on each main item or can estimate the home themselves. The builder will send one set of plans to the foundation contractor, one set of plans to the framer, one set of plans to the plumber, etc, etc. <br />
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When all the numbers come in, the builder will fill out the cost breakdown and come up with a total cost to build your new home. <br />
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Bad builders will use the WAG method of estimating the cost of building your new home. The WAG method stands for "Wild Ass Guesses". This method is the most dangerous since it can lead to under and over bidding. <br />
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The last method of bidding is simply to over inflate every single line item on the cost breakdown. This is the most profitable method for the builder and the most expensive to the customer. <br />
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This is why you want to find an honest, reputable builder with a good reputation in your community. Once the cost breakdown is completed and you plan on hiring this builder to build you new home you will need to type up a contract. The contract needs to equal the added total of the cost breakdown. <br />
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Most builders will provide the contract but make sure you read it carefully and that you add your requirements as well. There are two types of contracts <br />
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1. Fixed Contract: This contract is simple and straightforward. Take the total of the cost breakdown and put that fixed number into the contract. The builder will provide a list of responsibilities. <br />
2. Cost plus Contract. This type of contract is usually for large construction loan projects. <br />
A. The customer wants to make a lot of changes to their home as its being built. <br />
B. The construction loan period to build the home is 18 months so construction costs can change drastically. The builder prefers this contract to protect the costs and profits. <br />
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13. How does your builder get paid while your home is being built? <br />
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There are two methods that banks use to make sure your builder gets paid while building your home. <br />
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The Voucher Reimbursement system has been around for quite a while. As usual you'll have some builders that are very familiar with this method of payment and do not like change. <br />
Most builders are really only concerned with how fast they can be paid and how often they can be paid. <br />
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Most banks find that the voucher system is simply too much paperwork to deal with anymore. The builder is given a big book of vouchers that looks like a check book and when they want to get paid or need to pay a contractor they need to fill out a voucher form. This voucher form is a request for payment and as long as the contractor has signed the lien release the bank will pay the amount requested. <br />
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The bank will also request an inspection throughout the construction loan to make sure that the work is completed. <br />
The Draw Reimbursement system is becoming the standard for construction loan funding for most banks. <br />
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The main difference is that the bank puts the accounting responsibility on you or your contractor. The bank uses your cost breakdown as the guide for the draws. Some banks use specific schedules of 4 to 7 draws based on completed construction milestones, such as foundation or framing. <br />
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The draw systems also allow the choice of taking draws on a monthly basis, collecting partial payment for work and material items that have been completed. <br />
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I personally prefer the draw reimbursement system because: <br />
1. It requires less work. <br />
2. Provides more control for both the customer and the builder. <br />
3. The funds are wired directly into your bank account. <br />
3. It's easier to use than the voucher system. <br />
4. Some banks now have online draw requests. <br />
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14. What type of construction loan insurance is required and who is required to get it? <br />
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The reality of construction loan insurance. There are three types of insurance needed to build. All banks require the first two insurances, course of construction and general liability. Workman's compensation is only required if your builder has employees. <br />
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1. Course of Construction Insurance. This policy is an all risk policy to include, fire, extended coverage, builder's risk, replacement cost, vandalism and malicious mischief insurance coverage. <br />
2. General Liability Insurance. You or your builder can provide this policy. This policy is a comprehensive general policy or a broad form liability endorsement. The minimum amount of $300,000 for each occurrence is required. If the builder provides the insurance a general policy of $1,000,000 or a broad form liability endorsement is required. <br />
3. Workman's Compensation Insurance. If your builder owns his own company and has employees that are helping to build your home, workman's compensation is required. <br />
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If the builder simply subcontracts out the work and does not have employees per se, they will need to write a letter acknowledging that they do not have employees and are not required to have WCI. <br />
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15. Has your loan officer structured your construction loan properly and why it's so important? <br />
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I get loans all the time from customers that went to another lender or broker and were either turned down or were offered a below average construction loan. <br />
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The reason was because the loan was not structured properly before it was sent into the bank. Structuring a loan properly is simply making sure that you match the customer’s loan request to the banks underwriting guidelines. <br />
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Recently I received a construction loan request from a customer that was turned down by a large national bank. The loan officer had calculated the income incorrectly and submitted the loan as full documentation. <br />
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The customer owned his own business and had a lot of tax deductions on his tax returns. The way banks qualify customers as full documentation is very conservative and the loan was turned down. <br />
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We took the loan, found the problems upfront and submitted the loan as stated income. <br />
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The customer was approved and built a beautiful home in Rancho Santa Fe CA. <br />
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Structuring construction loans for approval is vitally important and is the last thing on most customers’ minds. Each and every time I receive a loan from a customer with a bad loan experience it is always because the loan officer did not specialize in construction loans and did not structure the loan accordingly. <br />
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Other common mis-structured loan scenarios include: <br />
1. Low cash equity. <br />
2. Improperly completed appraisal. <br />
3. Unexplained credit derogatory. <br />
4. Income incorrectly calculated. <br />
5. Mismatch of customer loan request to the correct lender. <br />
6. Plain and simple incompetence <br />
The old saying “you get what you pay for” is especially true when obtaining financing in building your new home. <br />
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</span>Athwar Asharhttp://www.blogger.com/profile/05342791666236676515noreply@blogger.com0tag:blogger.com,1999:blog-530376966828643524.post-3492635301813037452010-02-11T20:37:00.000-08:002010-02-11T20:37:51.057-08:00BAD CREDIT PERSONAL LOANS<span class="style2">At some point during most peoples' lives there comes a time when borrowing money is the only option. This may be to buy a house, a car, for home improvements or simply to consolidate debts. Persuading financial organizations to lend money, especially large amounts, is easier for some customers than others. Those who find borrowing particularly difficult are people with a bad credit history. Bad credit includes County Court Judgments (CCJS), decrees and past credit history problems. However, not all is lost is for people with bad credit, for they can avail bad credit personal loans. Never hear of it! Do not worry; we will tell all about bad credit personal loans. <br />
A bad credit personal loan is like any other personal loan that one might have availed of in the past. The only difference is that it is for those people who have a bad credit, or in simpler terms, people with a bad ‘credit history'. There are numerous lenders who are ready to give a personal loan if one has a bad credit history. These lenders however, usually require the customer to own their own home as protection or mortgage. Repayments are calculated depending on the amount of money required and the length of time the loan would be required for. For example, the longer the loan is borrowed for the smaller the payments are, but the more interest the customer will pay. It is therefore essential, as the home is used as a guarantee, that the borrower is certain that the repayments can be met before an agreement is made. <br />
Some lenders may consider one's credit rating through agencies before sanctioning a personal loan but that in most cases is a formality. Do not forget that they are there to give loan to people with bad credits only. However, if one has a very bad and unimpressive record in the past, he may be refused but that happens in only exceptional cases and surely, he can get his loan from some other lender. Rate of interests in bad credit personal loans may be high at times because they are being given to someone with a bad credit. That is the only disadvantage of otherwise a life-saving loan for many. <br />
On the whole, bad credit personal loan is a boon in disguise for people with bad credit and may do wonders for them by rejuvenating their businesses or consolidating debts. <br />
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</span>Athwar Asharhttp://www.blogger.com/profile/05342791666236676515noreply@blogger.com0tag:blogger.com,1999:blog-530376966828643524.post-9950929690829409182010-01-10T22:53:00.000-08:002010-01-10T22:53:05.382-08:005 Google Affiliate Secrets To Help You Earn Thousands Of Dollars Monthly<div id="body"> There is no doubt that Google affiliates rank as some of the most successful affiliates anywhere on the web.<br />
Yet few understand the reason behind this success. Even the majority of Google affiliates who are yet to start making huge five figure checks do not quite understand why the Google Adsense program has flourished so much within such a short time.<br />
Anybody who understands the real secrets behind the phenomenal rise of Google affiliates will be in a much better position to benefit and profit from it, whether or not they are current Adsense affiliates.<br />
<b>1. Google Affiliates Are Riding On The Most Dramatic Shift In The Advertising Industry In History</b><br />
A few webmasters think that this Adsense and pay per click affiliate mania is a passing fad. All indications are that this is not the case. If anything mounting evidence points to one of the most dramatic and rapid shifts in advertising industry history. You can’t beat the deal to advertisers where they pay only for actual traffic to their website and more so when they can easily calculate their conversion rate on that traffic and predict their profit margin on the deal. This arrangement cannot be duplicated on TV or in any other offline media with so much precision and accuracy.<br />
This means that advertising revenue will continue to shift away from other media and will move online at an even more rapid rate than is the case currently. And not just any online mediums like banner ads for example. The revenue will specifically shift to pay per click text ads. If you need some proof just look at the Google numbers in recent months, and most of it is being generated by PPC ad revenue.<br />
What does that mean to a blogger or webmaster? It means huge and increasing profits as the number of advertisers grows and the competition between them for clicks grows fiercer.<br />
It means that any expert in any tiny little niche will find it increasingly easier to make a good regular income from a low traffic targeted site with higher paying, more valuable Adsense keywords.<br />
<b>2. Google Affiliates Recognize That Content Is Not King, It’s Everything</b><br />
Writers, or rather good writers are already enjoying a huge advantage as Google affiliates. Only well written content will attract quality traffic and only interesting engrossing content will keep that traffic coming back again and again. Only high-quality keyword rich content will keep a site high in search engine rankings and thus guarantee enough traffic to keep Google affiliate adsense earnings high.<br />
<b>3. Top Google Affiliates Are All Using The Blog Secret</b><br />
Blogs were created for linking and everybody knows that links are closely related to traffic in two ways, firstly they generate traffic but more importantly, they help a site achieve high search engine rankings with usually opens the floodgates of traffic. Top Google affiliates are using this secret to keep those big fat Google affiliate Adsense checks arriving by special courier every month.<br />
Most top Google affiliates have dozens of blogs loaded with the right keywords and engaging content. With just a little SEO (search engine optimization) skills, these new breed of high flying online professionals are able to get their sites to the top of search engine rankings. It is then minimal maintenance as they sit back and watch the traffic volumes flow to their blogs already loaded with Adsense ads. The result of all this is that the clicks happening at their sites shoots up and with it their Google affiliate Adsense earnings.<br />
<b>4. Google Affiliates Are Using The Secret of The Hook</b><br />
In advertising it is called the hook. Journalists call it the angle or slant of the story. Both mean the same thing. It is all about picking up a subject and asking yourself, what aspect of it most interests your audience? If you answer that question accurately then your ad or your article will attract maximum interest.<br />
Online this is becoming more critical by the day. Content that is not slanted to fit the interests and needs of you audience will not attract enough interest and this impacts on the traffic of your blog or site and ultimately on your Google affiliate adsense earnings.<br />
</div>Athwar Asharhttp://www.blogger.com/profile/05342791666236676515noreply@blogger.com0tag:blogger.com,1999:blog-530376966828643524.post-8066021122475050322010-01-10T05:36:00.000-08:002010-01-10T05:36:17.976-08:00life assurance<b>Life insurance</b> or <b>life assurance</b> is a contract between the policy owner and the insurer, where the insurer agrees to pay a designated beneficiary a sum of money upon the occurrence of the insured individual's or individuals' death or other event, such as terminal illness or critical illness. In return, the policy owner agrees to pay a stipulated amount called a premium at regular intervals or in lump sums. There may be designs in some countries where bills and death expenses plus catering for after funeral expenses should be included in Policy Premium. In the United States, the predominant form simply specifies a lump sum to be paid on the insured's demise.<br />
As with most insurance policies, life insurance is a contract between the insurer and the <i>policy owner</i> whereby a benefit is paid to the designated beneficiaries if an <i>insured event</i> occurs which is covered by the policy.<br />
The value for the policyholder is derived, not from an actual claim event, rather it is the value derived from the 'peace of mind' experienced by the policyholder, due to the negating of adverse financial consequences caused by the death of the Life Assured.<br />
To be a life policy the <i>insured event</i> must be based upon the lives of the people named in the policy.<br />
<i>Insured events</i> that may be covered include:<br />
<ul><li>Serious illness</li>
</ul>Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; for example claims relating to suicide, fraud, war, riot and civil commotion.<br />
Life-based contracts tend to fall into two major categories:<br />
<ul><li>Protection policies - designed to provide a benefit in the event of specified event, typically a lump sum payment. A common form of this design is term insurance.</li>
<li>Investment policies - where the main objective is to facilitate the growth of capital by regular or single premiums. Common forms (in the US anyway) are whole life, universal life and variable life policies.</li>
</ul>Athwar Asharhttp://www.blogger.com/profile/05342791666236676515noreply@blogger.com0tag:blogger.com,1999:blog-530376966828643524.post-25366290555663355732010-01-09T21:14:00.001-08:002010-01-09T21:14:37.374-08:00Adverse Credit RemortgageAdverse Credit Remortgage<br />
<br />
An Adverse Credit Remortgage is the process of paying-off one mortgage, from the proceeds of a new mortgage (i.e. remortgage), using the same property as security, even if you have adverse credit difficulties. An adverse credit remortgage may be just the right solution for many people.<br />
<br />
The benefits of an adverse credit remortgage include saving money by having a fixed rate remortgage or discount remortgage rate, debt consolidation on existing credit or raising cash for home improvements, a new car, business etc., or a combination of any of these benefits - even with adverse credit problems.<br />
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It is also very important to consider the implications of an adverse credit remortgage. Firstly, this will place your home at risk if you are unable to keep up repayments on your mortgage. Secondly, you should also be aware of the costs involved with a home remortgage, and you should weigh-up these costs, such as a property valuation on your home, legal costs and fees; against the overall costs if you were to take no action.Athwar Asharhttp://www.blogger.com/profile/05342791666236676515noreply@blogger.com0tag:blogger.com,1999:blog-530376966828643524.post-39008257680723594862010-01-09T21:06:00.000-08:002010-01-09T21:06:55.536-08:00VIDEO BLOG - Fixed Mortgages<h3 class="post-title entry-title"> VIDEO BLOG - Fixed Mortgages </h3>Ting fixed mortgages are a good or a bad thing? Find out what Phil is thinking, and be prepared to be questioned! Read more of Phil's articles at philstrong.com. Do you have a mortgage? They dream of a mortgage free? Get your FREE DVD at http ... Mortgage free home equity loans to reduce debt<br />
<object height="344" width="425"><param name="movie" value="http://www.youtube.com/v/m1d4MPvt0hg&hl=en_US&fs=1&"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/m1d4MPvt0hg&hl=en_US&fs=1&" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="425" height="344"></embed></object><br />
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<a href="http://businesscard1.blogspot.com/" rel="dofollow" title="businesscard"></a>Athwar Asharhttp://www.blogger.com/profile/05342791666236676515noreply@blogger.com1tag:blogger.com,1999:blog-530376966828643524.post-68895587905542287882010-01-09T10:10:00.000-08:002010-01-09T10:10:33.146-08:00yahoo domains<a href="http://www.articlealley.com/article_564773_1.html">The domain yahoo is one of the most popular in the world and it has become a market leader by providing the much needed access to many services for the customers. The first thing you can benefit from it is the establishment of an email ID which will go long way in launching you into a world where communication can happens with ease. You can open your communication links through the yahoo messenger and other benefits are having your own space for albums and have your file storage in which you can review them from any place. You can get a domain from yahoo and begin the process of having your own web site.</a> <br />
<br />
he domain name yahoo has therefore brought and continues to bring a world of difference by providing the free <a class="lw_cad_link" href="http://www.linkworth.com/context-ads/linkwords_tracking.php?web_id=51242&hash=aeeb0130707596e2a3f58bbbee205101&key_id=2065&src=1" onmouseout="initializeThirdPartyTimer(this, event, 'hideToolTip',2065); self.status=''; return true;" onmouseover="initializeThirdPartyTimer(this, event, 'showThirdPartyToolTip',2065);self.status='Loading Ad... please wait...'; return true;" target="_blank">services</a>. Through domain yahoo you will get to see all the products that provided and above the mentioned products are yahoo widgets, yahoo travel, yahoo tool bar, yahoo small business, yahoo shopping, yahoo search, yahoo real estate, yahoo photos, yahoo music, yahoo mobile, yahoo message board, yahoo local, yahoo groups, yahoo finance, yahoo bookmarks, yahoo autos, yahoo 360 and so many other products. Yahoo also provides another vital service pertaining to domains. Domain locking is the prevention of unauthorized transfers to another registrar. Domains that are registered through yahoo can access this service. <br />
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You can get access to so much more information through domain yahoo and some of the most common questions that are asked are on how to lock and unlock your domain and the effects of locking. People also want to know how to create a domain name and yahoo has all the information for you to read. Firstly, a good domain name according to yahoo should be clear and simple. People should not have trouble remembering it and, it should show the kind of business you do. Domain names are therefore very vital and to come up with a unique address, you need to spend some time and make sure you have the right name. Remember that domains should contain letters, numbers and hyphens.<span style="text-decoration: underline;"> <br />
</span>You are advised to re angle your domain name if you find that it is already in use. It is also good to think of where you register the domain and make sure that it serves your purpose. At domain yahoo, you will find a private domain registration which will help you safeguard your personal information from the public. This is because many domain owners have their contact details exposed to the public because the information is required by the internet governing body. But, yahoo will make sure that before people access your information, you are first alerted by their business <a class="lw_cad_link" href="http://www.linkworth.com/context-ads/linkwords_tracking.php?web_id=51242&hash=aeeb0130707596e2a3f58bbbee205101&key_id=1948&src=1" onmouseout="initializeThirdPartyTimer(this, event, 'hideToolTip',1948); self.status=''; return true;" onmouseover="initializeThirdPartyTimer(this, event, 'showThirdPartyToolTip',1948);self.status='Loading Ad... please wait...'; return true;" target="_blank">partner</a> Melbourne IT. You will be overwhelmed by the possibilities domain yahoo has to offer. Take sometime and read about the domain and discover so much more, you will find a service you are looking for with ease. The name will continue to break new grounds as it becomes more and more popular to many customers <br />
<br />
<br />
Peter Gitundu Is A Web Administrator And Has Been Researching And Reporting On Domains For Years. You Can Post Pour Views About Domain Yahoo On My Blog Here <a href="http://merpetsales.com/?p=4386" rel="nofollow">Domain Yahoo</a> Feel Free To Read My Other Articles On Domains Here <a href="http://merpetsales.com/?cat=884" rel="nofollow">Domain Yahoo</a> <br />
This article is free for republishing <br />
Source: <a href="http://www.articlealley.com/article_564773_1.html">http://www.articlealley.com/article_564773_1.htm</a>Athwar Asharhttp://www.blogger.com/profile/05342791666236676515noreply@blogger.com0tag:blogger.com,1999:blog-530376966828643524.post-92119455312475082782010-01-09T10:08:00.000-08:002010-01-09T10:08:05.007-08:00Yahoo Domains for 2.99<h1><a href="http://awads.net/wp/2005/10/12/yahoo-domains-for-299/" rel="bookmark" title="Permanent Link to Yahoo Domains for 2.99">Yahoo Domains for 2.99</a></h1>If you have been thinking of buying a domain name, now is the time. Yahoo is currently <a href="http://smallbusiness.yahoo.com/domains/">offering</a> domain names for $2.99/year (up to 5 years). A good deal. Much better than my deal, when I got my awads.net domain name from Yahoo a few months ago (it was about $5/year then). (<a href="http://weblogtoolscollection.com/archives/2005/10/11/299-domain-names-from-yahoo-again/">via</a>) <span id="more-142"></span> <a href="http://www.flickr.com/photos/awads/51867068/" title="Photo Sharing"><img alt="capture" height="50" src="http://static.flickr.com/32/51867068_17edb03000_o.jpg" width="397" /></a>Athwar Asharhttp://www.blogger.com/profile/05342791666236676515noreply@blogger.com0tag:blogger.com,1999:blog-530376966828643524.post-34701170617249797182009-12-19T18:55:00.000-08:002009-12-19T18:59:56.334-08:00Pembuktian Matematis I CINTA<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh8NnByKMg6JTDzefYTkfNzOnki6hNRWBR2_JUgyYZc57BWBBUrfwpgwNMIQ1Ton3gqRXzIKJvgMOQG8cKkTU8D1A5z8ISVk3DNYaCtK-8Z2VyFukmkI8RQyIAjXb3QWx2k3ZnNQGy1LCw/s1600-h/rumus+cinta.jpg"><img style="float:left; margin:0 10px 10px 0;cursor:pointer; cursor:hand;width: 312px; height: 400px;" 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font-family:Symbol;} ol {margin-bottom:0in;} ul {margin-bottom:0in;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman","serif";} </style> <![endif]--><!--[if gte mso 9]><xml> <o:shapedefaults ext="edit" spidmax="1029"> </xml><![endif]--><!--[if gte mso 9]><xml> <o:shapelayout ext="edit"> <o:idmap ext="edit" data="1"> </o:shapelayout></xml><![endif]--> <h1 style="margin: 0in 0in 0.0001pt;">collection period</h1> <p class="MsoNormal"><o:p> </o:p></p> <p class="MsoNormal"><a href="http://www.allbusiness.com/glossaries/accounting/4941809-1.html" title="Dictionary of Accounting Terms">Dictionary of Accounting Terms</a> </p> <p style="margin: 0in 0in 0.0001pt; text-align: justify;">number of days it takes to collect accounts receivable. The collection period should be or can be compared to the terms of sale. A long collection period may indicate higher risk in collecting the account; it ties up funds that could be invested elsewhere or used to make timely payments. It equals the number of days in a year divided by the <a href="http://www.allbusiness.com/glossaries/accounts-receivable-turnover/4943195-1.html" title="accounts receivable turnover">accounts receivable turnover</a> . Assume a 360-day year and turnover rate of 10 times. The collection period is 36 days.</p> <p style="margin: 0in 0in 0.0001pt; text-align: justify;"><o:p> </o:p></p> <p style="margin: 0in 0in 0.0001pt; text-align: justify;"><o:p> </o:p></p> <p class="MsoNormal" style="text-align: justify;"><a href="http://www.allbusiness.com/glossaries/banking/4941812-1.html" title="Dictionary of Banking Terms">Dictionary of Banking Terms</a> </p> <p style="margin: 0in 0in 0.0001pt; text-align: justify;">period of time required to convert deposited checks into collected balances. The Expedited Funds Availability Act of 1987 requires banks to credit funds to a customer's account within two days from the date of deposit for local checks, and within five days for nonlocal checks.</p> <p style="margin: 0in 0in 0.0001pt; text-align: justify;"><o:p> </o:p></p> <p class="MsoNormal" style="text-align: justify;"><a href="http://www.allbusiness.com/glossaries/business/4941806-1.html" title="Dictionary of Business Terms">Dictionary of Business Terms</a> </p> <p class="MsoNormal" style="text-align: justify;">Related Terms:</p> <p class="MsoNormal" style="text-align: justify;"><o:p> </o:p></p> <p class="MsoNormal" style="text-align: justify;"><span style="display: none;"><a href="http://www.allbusiness.com/glossaries/accounting/4941809-1.html" title="Dictionary of Accounting Terms">Dictionary of Accounting Terms</a> <o:p></o:p></span></p> <p class="MsoNormal" style="text-align: justify;"><a href="http://www.allbusiness.com/glossaries/aging-accounts/4942736-1.html" title="aging of accounts">aging of accounts</a> </p> <p style="margin: 0in 0in 0.0001pt; text-align: justify;">classifying accounts by the time elapsed after the date of billing or the due date. The longer a customer's account remains uncollected or the longer inventory is held, the greater is its realization risk. If a customer's account is past due, the company also has an opportunity cost of funds tied-up in the receivable that could be invested elsewhere for a return. An aging schedule of accounts receivable may break down receivables from 1-30 days, 31-60 days, 61-90 days, and over 90 days. With regard to inventory, if it is held too long, obsolescence, spoilage, and technological problems may result. Aging can be done for other accounts such as fixed assets and accounts payable.</p> <p style="margin: 0in 0in 0.0001pt; text-align: justify;"><o:p> </o:p></p> <p class="MsoNormal" style="text-align: justify;"><span style="display: none;"><a href="http://www.allbusiness.com/glossaries/finance-investment/4941811-1.html" title="Dictionary of Finance and Investment Terms">Dictionary of Finance and Investment Terms</a> <o:p></o:p></span></p> <p class="MsoNormal" style="text-align: justify;"><a href="http://www.allbusiness.com/glossaries/collection-ratio/4957625-1.html" title="collection ratio">collection ratio</a> </p> <p style="margin: 0in 0in 0.0001pt; text-align: justify;">ratio of a company's accounts receivable to its average daily sales. Average daily sales are obtained by dividing sales for an accounting period by the number of days in the accounting period-annual sales divided by 365, if the accounting period is a year. That result, divided into accounts receivable (an average of beginning and ending accounts receivable is more accurate), is the collection ratio-the average number of days it takes the company to convert receivables into cash. It is also called <em>average collection period</em>.</p> <p style="margin: 0in 0in 0.0001pt; text-align: justify;"><o:p> </o:p></p> <p class="MsoNormal" style="text-align: justify;"><span style="display: none;"><a href="http://www.allbusiness.com/glossaries/banking/4941812-1.html" title="Dictionary of Banking Terms">Dictionary of Banking Terms</a> <o:p></o:p></span></p> <p class="MsoNormal" style="text-align: justify;"><a href="http://www.allbusiness.com/glossaries/availability-schedule/4943873-1.html" title="availability schedule">availability schedule</a> </p> <p style="margin: 0in 0in 0.0001pt; text-align: justify;">table showing the number of days needed to clear a deposited check. Under the expedited funds availability act, financial institutions must give their customers access to deposited funds within a fixed number of days, depending on whether a check is drawn on a local or nonlocal bank. Local checks (checks deposited at a bank in the same Federal Reserve Regional Check Processing Center as the paying bank) must be available for use within two business days after the day of deposit.</p> <p class="MsoNormal" style="text-align: justify;"><span style="display: none;"><a href="http://www.allbusiness.com/glossaries/business/4941806-1.html" title="Dictionary of Business Terms">Dictionary of Business Terms</a> <o:p></o:p></span></p> <h1 style="text-align: center;" align="center"><span style="color: green;"><o:p> </o:p></span></h1> <h1 style="text-align: center;" align="center"><span style="color: green;"><o:p> </o:p></span></h1> <h1 style="text-align: center;" align="center"><span style="color: green;">Understanding Accounting
<br />Terms and Accounting Definitions</span></h1> <p style="margin-bottom: 12pt;">Accounting terms make up the language of business to measure business performance and profitability. The following accounting dictionary of key accounting terms and accounting definitions decodes the language of business with easy to follow illustrations and examples. </p> <p class="MsoNormal">For a more in depth discussion of each accounting definition, simply click the link associated with each term.
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<br /><a href="http://business-accounting-guides.com/accounting-cycle.html">The Accounting Cycle</a> is a ten step process that consists of the procedures necessary to collect, process, and report economic events that affect an entity during a reporting period (e.g. a month, a quarter, or a year).
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<br /><a href="http://business-accounting-guides.com/accounting-equation.html">Accounting Equation</a> refers to the main accounting formula that lays the foundation of double-entry accounting, where a debit on one side of the equation must equal a credit on the other side. The Accounting Equation also represents the relationship of financial elements on the Balance Sheet to each other:</p> <p class="MsoNormal"><o:p> </o:p></p> <p class="MsoNormal" style="text-align: center;" align="center"><b style="">Assets = Liabilities + Owner's Equity<o:p></o:p></b></p> <p class="MsoNormal">
<br /><a href="http://business-accounting-guides.com/accounts-receivable-definition.html">Accounts Receivable Definition</a>- the current asset listed on the balance sheet that shows the amount owed to the company from customers who purchased products or services on credit.
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<br /><a href="http://business-accounting-guides.com/accounts-receivable-turnover.html">Accounts Receivable Turnover</a> measures how quickly a business collects cash for sales on credit, or "turned over" the Accounts Receivable Balance, for the accounting period measured. Accounts Receivable Turnover is calculated as</p> <p class="MsoNormal" style="text-align: center;" align="center"><b style="">Net Credit Sales/Average Net Receivables<o:p></o:p></b></p> <p class="MsoNormal" style="text-align: center;" align="center"><o:p> </o:p></p> <p class="MsoNormal">where Average Receivables = (Beginning Net Receivables Balance + Ending Net Receivables Balance)/2</p> <p>or as (year example) 365/Average Collection Period:</p> <p style="text-align: center;" align="center"><b style="">Average Sales Per Day = Credit Sales or Total Sales/365<o:p></o:p></b></p> <p style="text-align: center;" align="center"><b style="">Average Collection Period = Accounts Receivable/Average Sales Per Day<o:p></o:p></b></p> <p class="MsoNormal"><a href="http://business-accounting-guides.com/accrual-accounting.html">Accrual Accounting Method</a> is an accounting term that refers to the method of recognizing and reporting revenues when earned, whether or not cash is actually received, and expenses when incurred, whether or not cash is actually paid. Compare with the accounting term <i>Cash Accounting Method</i>.
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<br /><a href="http://business-accounting-guides.com/accumulated-depreciation.html">Accumulated depreciation</a> is an accounting term that refers to the total depreciation expense taken from year to year. Accumulated depreciation accumulates on the balance sheet from period to period as a contra asset account, where it is subtracted from the original cost of the asset to get its book value.
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<br /><a href="http://business-accounting-guides.com/adjusting-entries.html">Adjusting Journal Entries</a> are accounting entries made at the end of an accounting period (e.g. a month, a quarter, or a year) to report transactions that occurred but were not recorded during the normal course of business. Adjusting Journal Entries are necessary to more accurately represent the financial statements for the reporting period. Adjusting Journal Entries are classified as <i>Prepayments</i>, <i>Accruals</i>, and <i>Estimated Items</i>.
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<br /><a href="http://business-accounting-guides.com/allowance-for-doubtful-accounts.html">Aging of Accounts Receivable</a> bases the estimate for uncollectible accounts on the Ending Accounts Receivable balance and the computation that the longer an account is outstanding, the higher the likelihood that it will not be collected.</p> <h1 style="text-align: center;" align="center"><span style="color: green;">Accounts Receivable Turnover
<br />and Average Collection Period</span></h1> <p style="margin-bottom: 12pt;">Accounts receivable turnover allows a company to measure whether or not the company is effectively collecting payments for sales on credit.</p> <p class="MsoNormal">A high turnover indicates higher cash basis sales or efficient collections. A low turnover indicates collection problems and possible bad debts.</p> <p>Most companies do not charge interest on accounts receivable unless the account becomes past due. An extension of credit is then essentially an interest free loan to customers, and not collecting payments on time creates inefficiency and opportunity costs for the company. For example, the company could use the cash to invest the money and earn interest, pay down debt from which the company is incurring interest expenses, or finance growth opportunities instead of having money tied up in accounts receivable.</p> <p>So why sell products on credit in the first place?</p> <p>Firms expect that by selling on credit, they can achieve better sales and profits than they would if their sales were on a cash basis only. Even though a firm runs the risk of not being able to collect on some receivables, it expects that these uncollectible accounts and associated costs of credit sales will be sufficiently offset by an increase in sales and, in turn, an increase in net income.</p> <p>To encourage prompt payment, companies may offer sales discounts. For example, a company may offer "2%/10, net 30." This means if a customer purchases products and pays within 10 days, they can take 2% off the total price. Otherwise full payment is due within 30 days. </p> <p>Customers should <i>always</i> take advantage of the 2% discount offered in the credit terms, even if they have to borrow money during the 10 day discount period. The loss of the 2% discount in exchange for an extra 20 days to pay is equivalent to a 36% annual interest rate (2% times the number of 20 day periods in one year or 360/20 = 18 x 2% = 36%).</p> <p>Nonetheless, it is a business risk that a certain percentage of customers will not pay balances due at all, so measures of uncollectible accounts should be made when it can be reasonably estimated. Estimates are usually based on historical uncollectibles. </p> <p>Since Sunny Sunglasses is new in the business, it has estimated that roughly 1% of credit sales will be uncollectible based on industry averages. This comes out to approximately $700 a year, as seen on the <a href="http://business-accounting-guides.com/sample-income-statement.html">sample income statement</a> and the <a href="http://business-accounting-guides.com/examples-of-balance-sheets.html">examples of balance sheets.</a>
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<br /><i>Accounts Receivable Turnover Calculation:<o:p></o:p></i></p> <p style="text-align: center;" align="center"><b style="">Net Credit Sales/Average Net Receivables<o:p></o:p></b></p> <p>where net average receivables = (beginning net receivables balance + ending net receivables Balance)/2</p> <p class="MsoNormal">Net receivables at year end equals $21,200. Since Sunny Sunglasses Shop started business in January of 2007, there is no beginning balance. Sunny knows that his net credit sales for the year were $70,000. </p> <p class="MsoNormal"><o:p> </o:p></p> <p class="MsoNormal">Plugging the numbers into the formula, we get 6.6.</p> <p class="MsoNormal">
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<br /> <!--[endif]--></p> <p class="MsoNormal"><i><span style="color: maroon;">Calculating Accounts Receivable Turnover<o:p></o:p></span></i></p> <p class="MsoNormal"><i><span style="color: maroon;"><o:p> </o:p></span></i></p> <p style="margin: 0in 0in 0.0001pt;">70,000/10,600 = <b>6.6<o:p></o:p></b></p> <p style="margin: 0in 0in 0.0001pt;">where Average Receivables = (0 + 21,200)/2 = 10,600</p> <p class="MsoNormal">
<br />Alternatively, businesses may calculate accounts receivable turnover in a two step process as follows:</p> <p><i><span style="color: maroon;">Calculating the Average Collection Period<o:p></o:p></span></i></p> <p style="margin: 0in 0in 0.0001pt;">1. Average Sales Per Day = Credit Sales or Total Sales/365<i><o:p></o:p></i></p> <p style="margin: 0in 0in 0.0001pt;">2. Average Collection Period = Accounts Receivable/Average Sales Per Day</p> <p style="margin: 0in 0in 0.0001pt;"><o:p> </o:p></p> <p class="MsoNormal"><i><span style="color: maroon;">Average Collection Period Example<o:p></o:p></span></i></p> <p class="MsoNormal"><i><o:p> </o:p></i></p> <p class="MsoNormal" style="margin-left: 0.25in; text-indent: -0.25in;"><!--[if !supportLists]--><span style="">1.<span style="font-family: "Times New Roman"; font-style: normal; font-variant: normal; font-weight: normal; font-size: 7pt; line-height: normal; font-size-adjust: none; font-stretch: normal;"> </span></span><!--[endif]-->Average Sales Per Day = 144,000/365 = $395</p> <p class="MsoNormal" style="margin-left: 0.25in; text-indent: -0.25in;"><!--[if !supportLists]--><span style="">2.<span style="font-family: "Times New Roman"; font-style: normal; font-variant: normal; font-weight: normal; font-size: 7pt; line-height: normal; font-size-adjust: none; font-stretch: normal;"> </span></span><!--[endif]-->Average Collection Period = 21,200/395 = 54 Days</p> <p class="MsoNormal"><o:p> </o:p></p> <p class="MsoNormal">
<br />In both accounts receivable turnover and average collection period calculations above, accounts receivable is net receivables, i.e. accounts receivable less any allowance for bad debts. However, the average collection period uses the last known accounts receivable balance for the period.
<br />
<br /><i>Average Collection Period and Accounts Receivable Turnover<o:p></o:p></i></p> <p class="MsoNormal"><b>The average collection period can be translated to accounts receivable turnover by dividing the number of days a year by the average collection period, or 365/54 = 6.8</b><i><o:p></o:p></i></p> <p class="MsoNormal"><o:p> </o:p></p> <p class="MsoNormal">Since many companies do not disclose total sales on credit, users of financial statements may use this method to determine accounts receivable turnover using <i>total sales</i>. When comparing turnover ratios, make sure that the same sales type is used when calculating receivable turnovers (credit sales or total sales).</p> <p>The next step is to add meaning to these numbers by comparing them with the industry averages:</p> <div align="center"> <table class="MsoNormalTable" style="border: 2.25pt outset green; background: rgb(245, 251, 239) none repeat scroll 0% 0%; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" border="1" cellpadding="0"> <tbody><tr style=""> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal"><b>Company</b></p> </td> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal"><b>Accounts Receivable Turnover</b></p> </td> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal"><b>Days Outstanding</b></p> </td> </tr> <tr style=""> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal">Microsoft</p> </td> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal">5.4</p> </td> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal">66 Days</p> </td> </tr> <tr style=""> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal">Software Industry</p> </td> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal">6.4</p> </td> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal">57 Days</p> </td> </tr> <tr style=""> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal">Specialty Retail, Other</p> </td> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal"><b>24.3</b></p> </td> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal"><b>15 Days</b></p> </td> </tr> <tr style=""> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal">Sunglasses Hut Int. (Luxottica Group)</p> </td> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal"><b>8.8</b></p> </td> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal"><b>41 Days</b></p> </td> </tr> <tr style=""> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal">Sunny Sunglasses Shop</p> </td> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal"><b>6.8</b></p> </td> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal"><b>54 Days</b></p> </td> </tr> <tr style=""> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal">S&P 500</p> </td> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal">9.5</p> </td> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal">38 Days</p> </td> </tr> </tbody></table> </div> <p class="MsoNormal">
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<br /> <!--[endif]--></p> <p class="MsoNormal">Sunny Sunglasses has an average collection period of 54 days after one year of operations. It also has a low accounts receivable turnover ratio compared to its main competitor and especially the industry average. Sunny's accounts receivable account balance should not be increasing very much over the course of the year if the company is to remain within industry standards. </p> <p>If Sunny Sunglasses has an Achilles Heel in its profitable operations, it may be the low accounts receivable turnover. </p> <p>In fact, we can check what the balance of accounts receivable should be throughout the year to stay competitive with industry standards. </p> <p>Simply use the average collection period above to calculate what the accounts receivable balance should be to stay within a given collection period (e.g. 15 days, 30 days, 45 days, 60 days, or 90 days). </p> <p>If the Average Collection Period = Accounts Receivable Balance/Average Sales per day,</p> <p>then Average Collection Period x Average Sales per Day = Accounts Receivable Balance.</p> <p>Average Collection Period Days x $395 = Accounts Receivable Balance.</p> <p><i>$395 x Average Collection Period Days = AR Balance</i></p> <table class="MsoNormalTable" style="border: 2.25pt outset green; background: rgb(245, 251, 239) none repeat scroll 0% 0%; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;" border="1" cellpadding="0"> <tbody><tr style=""> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal"><b># of Collection Days</b></p> </td> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal"><b>Accounts Receivable Balance</b></p> </td> </tr> <tr style=""> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal">15 Days</p> </td> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal">$6,000</p> </td> </tr> <tr style=""> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal">30 Days</p> </td> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal">$12,000</p> </td> </tr> <tr style=""> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal">45 Days </p> </td> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal">$18,000</p> </td> </tr> <tr style=""> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal">60 Days</p> </td> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal">$24,000</p> </td> </tr> <tr style=""> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal">90 Days</p> </td> <td style="border: 1pt inset green; padding: 7.5pt;"> <p class="MsoNormal">$36,000</p> </td> </tr> </tbody></table> <p class="MsoNormal" style="margin-bottom: 12pt;">
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<br />If payment terms are within 60 days, the balance needs to stay at or under $24,000 assuming sales average $395 a day. To stay competitive with the industry average for specialty retail of 15 collection days, the accounts receivable balance should be approximately $6,000 with average sales of $395 a day. Greater sales allow for higher receivable balances within the collection time frames. </p> <p class="MsoNormal">Sunny should monitor accounts receivable balances during the year, and compare accounts receivable turnover per quarter and per year to ensure turnover does not decrease from period to period.</p> <p class="MsoNormal"><o:p> </o:p></p> <h1><span style="font-weight: normal;"><o:p> </o:p></span></h1> <h1><span style="font-weight: normal;"><o:p> </o:p></span></h1> <h1><span style="font-weight: normal;"><o:p> </o:p></span></h1> <h1><span style="font-weight: normal;">What is the average collection period ratio and how is it calculated?<o:p></o:p></span></h1> <p class="MsoNormal" style="text-align: justify;"><b>Question: </b>What is the average collection period ratio and how is it calculated?</p> <p class="MsoNormal" style="text-align: justify;"><b><o:p> </o:p></b></p> <p class="MsoNormal" style="text-align: justify;"><b>Answer: </b>The average collection period is the number of days, on average, that it takes a company to collection its credit accounts or its accounts receivables. In other words, the average collection period of accounts receivable is the average number of days required to convert receivables into cash.</p> <p style="text-align: justify;">The formula to calculate <b>average collection period</b> is the following:</p> <p style="text-align: center;" align="center"><b>Accounts Receivable/Credit Sales/365 = # Days</b></p> <p style="text-align: justify;">In order to calculate average collection period, the number for accounts receivable comes off the company's balance sheet. Sales comes off the income statement and is adjusted for credit sales. Sales is then divided by the number of days in a year to come up with average daily credit sales. The final result is a number of days, which is the average collection period.</p> <p style="text-align: justify;">In order to interpret the average collection period, you have to have <a href="http://bizfinance.about.com/od/financialratios/qt/comparative_rat.htm">comparative data</a>. If you compare the average collection period to past years and it is increasing, that means your accounts receivables aren't as liquid or aren't being converted to cash as quickly. If the average collection period is decreasing, the opposite is true.</p> <p style="text-align: justify;">You also have to look at the company's credit policy. The average collection period should be compared with the firm's credit policy to see how well the firm is doing. If the average collection period, for example, is 45 days, but the firm's credit policy is to collect its receivables in 30 days, then the small business owner needs to fix the company's collection efforts.</p> <p class="MsoNormal"><span class="style7"><span style="font-size: 24pt;"><o:p> </o:p></span></span></p> <p class="MsoNormal"><span class="style7"><span style="font-size: 24pt;"><o:p> </o:p></span></span></p> <p class="MsoNormal"><span class="style7"><span style="font-size: 24pt;"><o:p> </o:p></span></span></p> <p class="MsoNormal"><span class="style7"><span style="font-size: 24pt;"><o:p> </o:p></span></span></p> <p class="MsoNormal"><span class="style7"><span style="font-size: 24pt;"><o:p> </o:p></span></span></p> <p class="MsoNormal"><span class="style7"><span style="font-size: 24pt;"><o:p> </o:p></span></span></p> <p class="MsoNormal"><span class="style7"><span style="font-size: 24pt;"><o:p> </o:p></span></span></p> <p class="MsoNormal"><span class="style7"><span style="font-size: 24pt;"><o:p> </o:p></span></span></p> <p class="MsoNormal"><span class="style7"><span style="font-size: 24pt;"><o:p> </o:p></span></span></p> <p class="MsoNormal"><span class="style7"><span style="font-size: 24pt;"><o:p> </o:p></span></span></p> <p class="MsoNormal"><span class="style7"><span style="font-size: 24pt;"><o:p> </o:p></span></span></p> <p class="MsoNormal"><span class="style7"><span style="font-size: 24pt;">Accounts Receivable Collection Period</span></span><span style="font-size: 24pt;"> <o:p></o:p></span></p> <div class="MsoNormal" style="text-align: center;" align="center"> <hr align="center" size="2" width="100%"> </div> <p class="style1"><u>Description</u>:</p> <p class="style1" style="text-align: justify;">Some people find that the accounts receivable turnover figure is easier to understand if it is expressed in terms of the average number of days that accounts receivable are outstanding. This format is particularly useful when it is compared to the standard number of days of credit granted to customers. For example, if the average collection period is sixty days and the standard days of credit is thirty, then customers are taking much too long to pay their invoices. A sign of good performance is when the average receivable collection period is only a few days longer than the standard days of credit. </p> <p class="style10"><span class="style11"><u>Formula</u>:<o:p></o:p></span></p> <p class="style10"><span class="style11">Divide annual credit sales by 365 days, and divide the result into average accounts receivable. The formula is as follows:</span></p> <p class="style1" style="text-align: center;" align="center"><u>Average Accounts Receivable</u>
<br />Annual Sales/365 </p> <p class="style10"><span class="style11"><u>Cautions</u>:<o:p></o:p></span></p> <p class="style10" style="text-align: justify;"><span class="style11">The main issue is what figure to use for annual sales. If the total sales for the year are used, this may result in a skewed measurement, since the sales associated with the current outstanding accounts receivable may be significantly higher or lower than the average level of sales represented by the annual sales figure. This problem is especially common when sales are highly seasonal. A better approach is to annualize the sales figure for the period covered by the bulk of the existing accounts receivable.</span></p> <h1><o:p> </o:p></h1> <h1><o:p> </o:p></h1> <h1><o:p> </o:p></h1> <h1><o:p> </o:p></h1> <h1><o:p> </o:p></h1> <h1><o:p> </o:p></h1> <h1><o:p> </o:p></h1> <h1><o:p> </o:p></h1> <h1>Measuring Average Collection Period</h1> <p style="text-align: justify;">The average collection period measures the length of time it takes to convert your average sales into cash. This measurement defines the relationship between <a href="http://www.toolkit.com/small_business_guide/sbg.aspx?nid=P06_4204">accounts receivable</a> and your cash flow. A <i>longer average collection period requires a higher investment in accounts receivable. A higher investment in accounts receivable means less cash is available to cover cash outflows, such as paying bills.</i></p> <p style="text-align: justify;">The average collection period is calculated by dividing your present accounts receivable balance by your average daily sales:</p> <table class="MsoNormalTable" style="margin-left: 46.5pt;" border="0" cellpadding="0" cellspacing="0"> <tbody><tr style=""> <td style="padding: 1.5pt; width: 189pt;" width="252"> <p class="MsoNormal" style="text-align: center;" align="center">Average Collection Period =</p> </td> <td style="padding: 1.5pt; width: 207pt;" width="276"> <p class="MsoNormal" style="text-align: center;" align="center">Current Accounts Receivable Balance </p> <div class="MsoNormal" style="text-align: center;" align="center"> <hr align="center" size="5" width="95%"> </div> <p class="MsoNormal" style="text-align: center;" align="center">Average Daily Sales</p> </td> </tr> </tbody></table> <p>The average daily sales volume is computed by dividing your annual sales amount by 360:</p> <div align="center"> <table class="MsoNormalTable" style="margin-left: -11.7pt;" border="0" cellpadding="0" cellspacing="0"> <tbody><tr style=""> <td style="padding: 1.5pt;"> <p class="MsoNormal" style="text-align: center;" align="center">Average Daily Sales =</p> </td> <td style="padding: 1.5pt; width: 89.75pt;" width="120"> <p class="MsoNormal" style="text-align: center;" align="center">Annual Sales </p> <div class="MsoNormal" style="text-align: center; text-indent: 7.25pt;" align="center"> <hr align="center" size="2" width="100%"> </div> <p class="MsoNormal" style="text-align: center;" align="center">360</p> </td> </tr> </tbody></table> </div> <p style="text-align: justify;">Using the annual sales amount and accounts receivable balance from the prior year is usually accurate enough for analyzing and managing your cash flow. However, if more recent information is available, such as the previous quarter's sales information, then use it instead. Be sure to compute the average daily sales correctly using the number of days actually reflected in the sales figure (e.g., 90 should be used if a quarterly sales amount is used).</p> <p style="text-align: justify;"><!--[if gte vml 1]><v:shapetype id="_x0000_t75" coordsize="21600,21600" spt="75" preferrelative="t" path="m@4@5l@4@11@9@11@9@5xe" filled="f" stroked="f"> <v:stroke joinstyle="miter"> <v:formulas> <v:f eqn="if lineDrawn pixelLineWidth 0"> <v:f eqn="sum @0 1 0"> <v:f eqn="sum 0 0 @1"> <v:f eqn="prod @2 1 2"> <v:f eqn="prod @3 21600 pixelWidth"> <v:f eqn="prod @3 21600 pixelHeight"> <v:f eqn="sum @0 0 1"> <v:f eqn="prod @6 1 2"> <v:f eqn="prod @7 21600 pixelWidth"> <v:f eqn="sum @8 21600 0"> <v:f eqn="prod @7 21600 pixelHeight"> <v:f eqn="sum @10 21600 0"> </v:formulas> <v:path extrusionok="f" gradientshapeok="t" connecttype="rect"> <o:lock ext="edit" aspectratio="t"> </v:shapetype><v:shape id="_x0000_s1026" type="#_x0000_t75" alt="Example" style="'position:absolute;left:0;text-align:left;margin-left:0;margin-top:0;"> <v:imagedata src="file:///E:\DOCUME~1\ADMINI~1\LOCALS~1\Temp\msohtmlclip1\01\clip_image001.gif" href="sbg.aspx_files/example.gif"> <w:wrap type="square"> </v:shape><![endif]--><!--[if !vml]--><img src="file:///E:/DOCUME%7E1/ADMINI%7E1/LOCALS%7E1/Temp/msohtmlclip1/01/clip_image001.gif" alt="Example" shapes="_x0000_s1026" align="left" width="64" height="64" hspace="12" /><!--[endif]-->David owns and operates an auto supply and repair shop. David's total annual sales amount from the previous year was $200,000. The total balance of his accounts receivable at the end of the same year was $20,000. David's average collection period is calculated as follows:</p> <p>David's average daily sales volume is $556 per day:</p> <table class="MsoNormalTable" style="" border="0" cellpadding="0" cellspacing="0"> <tbody><tr style=""> <td style="padding: 1.5pt;"> <p class="MsoNormal" style="text-align: center;" align="center">$200,000</p> <div class="MsoNormal" style="text-align: center;" align="center"> <hr align="center" size="2" width="100%"> </div> <p class="MsoNormal" style="text-align: center;" align="center">$556</p> </td> <td style="padding: 1.5pt;"> <p class="MsoNormal" style="text-align: center;" align="center">=</p> </td> <td style="padding: 1.5pt;"> <p class="MsoNormal" style="text-align: center;" align="center">360</p> </td> </tr> </tbody></table> <p class="MsoNormal"><span style="display: none;"><o:p> </o:p></span></p> <p>The average collection period is 36 days:</p> <table class="MsoNormalTable" style="" border="0" cellpadding="0" cellspacing="0"> <tbody><tr style=""> <td style="padding: 1.5pt;"> <p class="MsoNormal" style="text-align: center;" align="center">$20,000</p> <div class="MsoNormal" style="text-align: center;" align="center"> <hr align="center" size="2" width="100%"> </div> <p class="MsoNormal" style="text-align: center;" align="center">$556</p> </td> <td style="padding: 1.5pt;"> <p class="MsoNormal" style="text-align: center;" align="center">=</p> </td> <td style="padding: 1.5pt;"> <p class="MsoNormal" style="text-align: center;" align="center">36</p> </td> </tr> </tbody></table> <p style="text-align: justify;">For David's previous year, each dollar of sales was invested in accounts receivable for 36 days. Assuming that David's business has not changed drastically from last year, the cash inflows from sales on account will not be available for cash outflow purposes for 36 days.</p> <div align="center"> <table class="MsoNormalTable" style="" border="0" cellpadding="0" cellspacing="0"> <tbody><tr style=""> <td style="padding: 0in;"> <p class="MsoNormal">Now that you're acquainted with the average collection period, see our discussion of how you can <a href="http://www.toolkit.com/small_business_guide/sbg.aspx?nid=P06_4212">use your average collection period</a> to improve your cash flow.</p> <p class="MsoNormal"><o:p> </o:p></p> <p class="MsoNormal"><o:p> </o:p></p> </td> </tr> </tbody></table> </div> <h1>Using the Average Collection Period</h1> <p>The <a href="http://www.toolkit.com/small_business_guide/sbg.aspx?nid=P06_4208">average collection period</a> can be used to determine the effect of different collection periods on your business's cash flow. This is best illustrated by the following chart.</p> <div align="center"> <table class="MsoNormalTable" style="border: 1.5pt outset ;" border="1" cellpadding="0" cellspacing="0"> <tbody><tr style=""> <td colspan="6" style="padding: 3pt;"> <p class="MsoNormal" style="text-align: center;" align="center"><b>Sales Per Day<o:p></o:p></b></p> </td> </tr> <tr style=""> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: center;" align="center"><i>Average
<br /> Collection
<br /> Period</i></p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: center;" align="center"><i>$200</i></p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: center;" align="center"><i>$300</i></p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: center;" align="center"><i>$400</i></p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: center;" align="center"><i>$500</i></p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: center;" align="center"><i>$600</i></p> </td> </tr> <tr style=""> <td colspan="6" style="padding: 3pt;"> <p class="MsoNormal" style="text-align: center;" align="center"><b>Investment in Accounts Receivable<o:p></o:p></b></p> </td> </tr> <tr style=""> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: center;" align="center">30</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">$ 6,000</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">$ 9,000</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">$12,000</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">$15,000</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">$18,000</p> </td> </tr> <tr style=""> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: center;" align="center">40</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">8,000</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">12,000</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">16,000</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">20,000</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">24,000</p> </td> </tr> <tr style=""> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: center;" align="center">50</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">10,000</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">15,000</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">20,000</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">25,000</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">30,000</p> </td> </tr> <tr style=""> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: center;" align="center">60</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">12,000</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">18,000</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">24,000</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">30,000</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">36,000</p> </td> </tr> </tbody></table> </div> <p style="text-align: justify;">The above chart illustrates the effect that a change in the average collection might have on the investment in accounts receivable for your business. Remember, accounts receivable represent money that cannot be used for other cash outflow purposes. For example, assume that your average sales amount per day is $300, and that your average collection period is 40 days. Now assume that you were able to reduce your average collection period from 40 days to 30 days. From the illustration above, you can see that the reduction in the average collection period reduces the investment in accounts receivable from $12,000 to $9,000. This reduction generated an additional $3,000 in your cash flow!</p> <h1>Accounts Receivable to Sales Ratio</h1> <p style="text-align: justify;">The accounts receivable to sales ratio looks at your investment in <a href="http://www.toolkit.com/small_business_guide/sbg.aspx?nid=P06_4204">accounts receivable</a> in relation to your monthly sales amount. The accounts receivable to sales ratio helps you identify recent increases in accounts receivable. In contrast, the average collection period may only report accounts receivable information from the previous year, if that was the only information available to calculate it. Using monthly sales information, the accounts receivable to sales ratio can serve as a quick and easy way to <a href="http://www.toolkit.com/small_business_guide/sbg.aspx?nid=P06_4204">look at recent changes in accounts receivable</a>. The more recent information of the accounts receivable to sales ratio will quickly point out cash flow problems related to your business's accounts receivable.</p> <p style="text-align: justify;">The accounts receivable to sales ratio is calculated by dividing your accounts receivable balance at the end of any given month by your total sales for the month.</p> <table class="MsoNormalTable" style="" border="0" cellpadding="0" cellspacing="0"> <tbody><tr style=""> <td style="padding: 3pt;"> <p class="MsoNormal">Accounts receivable to sales ratio =</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: center;" align="center">Accounts Receivable </p> <div class="MsoNormal" style="text-align: center;" align="center"> <hr align="center" size="2" width="100%"> </div> <p class="MsoNormal" style="text-align: center;" align="center">Sales for the Month</p> </td> </tr> </tbody></table> <p class="MsoNormal"><!--[if gte vml 1]><v:shape id="_x0000_s1027" type="#_x0000_t75" alt="Example" style="'position:absolute;margin-left:6pt;margin-top:10.15pt;"> <v:imagedata src="file:///E:\DOCUME~1\ADMINI~1\LOCALS~1\Temp\msohtmlclip1\01\clip_image001.gif" href="sbg.aspx_files/example.gif"> <w:wrap type="square"> </v:shape><![endif]--><!--[if !vml]--><img src="file:///E:/DOCUME%7E1/ADMINI%7E1/LOCALS%7E1/Temp/msohtmlclip1/01/clip_image001.gif" alt="Example" shapes="_x0000_s1027" align="left" width="64" height="64" hspace="12" /><!--[endif]--></p> <p class="MsoNormal" style="text-align: justify;">Dick's accounts receivable balance at the end of the previous month was $15,000, and the total sales amount from that same month was $10,000. Dick's accounts receivable to sales ratio of 1.5 is calculated as: $15,000 / $10,000</p> <p class="MsoNormal"><o:p> </o:p></p> <p class="MsoNormal"><o:p> </o:p></p> <p class="MsoNormal"><span style="display: none;"><o:p> </o:p></span></p> <p class="MsoNormal"><span style="display: none;"><o:p> </o:p></span></p> <p><b>Using the accounts receivable to sales ratio.</b> At first glance, the accounts receivable to sales ratio might not seem like useful information. But, when you compute it each month and then look at the changes that occur as the months pass, the accounts receivable to sales ratio can signal potential problems in your cash flow. For example, an increase in your accounts receivable to sales ratio from one month to the next indicates that your investment in accounts receivable is growing more rapidly than sales. This is often one of the first signs of a cash flow problem.</p> <p><b>My business is seasonal, how can I use the accounts receivable to sales ratio when sales fluctuate from one season to the next?</b> A seasonal business experiences a large part of its annual sales in a particular part of the year. Comparing your accounts receivable to sales ratio to seasonal and nonseasonal months for the same year may provide you with misleading information because your business normally experiences a seasonal increase or decrease in the ratio. You can adjust your analysis by comparing your accounts receivable to sales ratio to the same month for the previous year or years.</p> <h1>Accounts Receivable Aging Schedule</h1> <p>The accounts receivable aging schedule is a listing of the customers making up your total <a href="http://www.toolkit.com/small_business_guide/sbg.aspx?nid=P06_4204">accounts receivable</a> balance. Most businesses prepare an accounts receivable aging schedule at the end of each month. <a href="http://www.toolkit.com/small_business_guide/sbg.aspx?nid=P06_4228">Analyzing your accounts receivable aging schedule</a> may help you identify potential cash flow problems.</p> <p>The typical accounts receivable aging schedule consists of 6 columns:</p> <ol start="1" type="1"><li class="MsoNormal" style="">Column 1 lists the name of each customer with an accounts receivable balance.</li><li class="MsoNormal" style="">Column 2 lists the total amount due from the customers listed in Column 1.</li><li class="MsoNormal" style="">Column 3 is the "current column." Listed in this column are the amounts due from customers for sales made during the current month.</li><li class="MsoNormal" style="">Column 4 shows the unpaid amount due from customers for sales made in the previous month. These are the customers with accounts 1 to 30 days past due.</li><li class="MsoNormal" style="">Column 5 lists the amounts due from customers for sales made two months prior. These are customers with accounts 31 to 60 days past due.</li><li class="MsoNormal" style="">Column 6 lists the amount due from customers with accounts over 60 days past due. </li></ol> <p>The following is a sample accounts receivable aging schedule from Roth Office Supply:</p> <div align="center"> <table class="MsoNormalTable" style="border: 1.5pt outset ;" border="1" cellpadding="0" cellspacing="0"> <tbody><tr style=""> <td colspan="6" style="padding: 3pt;"> <p class="MsoNormal" style="text-align: center;" align="center"><b>Accounts Receivable Aging Report
<br /> Roth Office Supply
<br /> October 31, 2000<o:p></o:p></b></p> </td> </tr> <tr style=""> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: center;" align="center"><i>Customer Name</i></p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: center;" align="center"><i>Total
<br /> Accts.
<br /> Rec.</i></p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: center;" align="center"><i>Current</i></p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: center;" align="center"><i>1-30
<br /> Days
<br /> Past
<br /> Due</i></p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: center;" align="center"><i>31-60
<br /> Days
<br /> Past
<br /> Due</i></p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: center;" align="center"><i>Over
<br /> 60 Days
<br /> Past
<br /> Due</i></p> </td> </tr> <tr style=""> <td style="padding: 3pt;"> <p class="MsoNormal">Quick Computer Supply</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">$1,600</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">$ 300</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">$ 500</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">$ 500</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">$ 300</p> </td> </tr> <tr style=""> <td style="padding: 3pt;"> <p class="MsoNormal">Kitchens by Voels</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">2,800</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">2,800</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">----</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">----</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">----</p> </td> </tr> <tr style=""> <td style="padding: 3pt;"> <p class="MsoNormal">Jansa's Sport Stores</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">1,000</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">1,000</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">----</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">----</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">----</p> </td> </tr> <tr style=""> <td style="padding: 3pt;"> <p class="MsoNormal">Bradley Farms, Inc.</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">1,600</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">----</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">1,600</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">----</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">----</p> </td> </tr> <tr style=""> <td style="padding: 3pt;"> <p class="MsoNormal">TrueBrew Unlimited</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">2,000</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">1,100</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">500</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">400</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">----</p> </td> </tr> <tr style=""> <td style="padding: 3pt;"> <p class="MsoNormal">Enneking Enterprises</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">400</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">----</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">400</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">----</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">----</p> </td> </tr> <tr style=""> <td style="padding: 3pt;"> <p class="MsoNormal"><st1:place st="on">Hove</st1:place> and Sanborn LLC</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">600</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">600</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">----</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">----</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">----</p> </td> </tr> <tr style=""> <td style="padding: 3pt;"> <p class="MsoNormal">J. Siegel, CPA</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">1,200</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">1,200</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">----</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">----</p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right">----</p> </td> </tr> <tr style=""> <td style="padding: 3pt;"> <p class="MsoNormal"><b>Total</b></p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right"><b>$11,200</b></p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right"><b>$7,000</b></p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right"><b>$3,000</b></p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right"><b>$ 900</b></p> </td> <td style="padding: 3pt;"> <p class="MsoNormal" style="text-align: right;" align="right"><b>$ 300</b></p> </td> </tr> </tbody></table> </div> <p class="MsoNormal"><o:p> </o:p></p> <p class="MsoNormal"><!--[if gte vml 1]><v:shape id="_x0000_s1028" type="#_x0000_t75" alt="Tip" style="'position:absolute;margin-left:-9pt;margin-top:16.1pt;width:48pt;"> <v:imagedata src="file:///E:\DOCUME~1\ADMINI~1\LOCALS~1\Temp\msohtmlclip1\01\clip_image002.gif" href="sbg.aspx4_files/tips.gif"> <w:wrap type="square"> </v:shape><![endif]--><!--[if !vml]--><img src="file:///E:/DOCUME%7E1/ADMINI%7E1/LOCALS%7E1/Temp/msohtmlclip1/01/clip_image002.gif" alt="Tip" shapes="_x0000_s1028" align="left" width="64" height="64" hspace="12" /><!--[endif]--><span style="display: none;"><o:p></o:p></span></p> <p class="MsoNormal"><span style="display: none;"><o:p> </o:p></span></p> <h1><span style="font-size: 12pt;">If you're using one of the many available accounting software packages for billing and accounts receivable processing, check it first to see if it prepares the aging schedule automatically. Most accounting software packages will prepare an accounts receivable aging schedule at the touch of a button!Using the Receivables Aging Schedule<o:p></o:p></span></h1> <p>The <a href="http://www.toolkit.com/small_business_guide/sbg.aspx?nid=P06_4224">accounts receivable aging schedule</a> is a useful tool for analyzing the makeup of your accounts receivable balance. Analyzing the schedule allows you to spot problems in accounts receivable early enough to protect your business from major cash flow problems.</p> <p>The aging schedule can be used to identify the customers that are extending the time it takes to collect your <a href="http://www.toolkit.com/small_business_guide/sbg.aspx?nid=P06_4204">accounts receivable</a>. If the bulk of the overdue amount in receivables is attributable to one customer, then steps can be taken to see that this customer's account is collected promptly. Overdue amounts attributable to a number of customers may signal that your business needs to tighten its credit policy toward new and existing customers.</p> <p>The aging schedule also identifies any recent changes in the accounts making up your total accounts receivable balance. Almost every business has to deal with customers that are slow to pay; you should expect the same for your business. However, if the makeup of your accounts receivable changes, when compared to the previous month, you should be able to spot the change instantly. Is the change the result of a change in your credit policy? Was the change in accounts receivable caused by some sort of billing problem? What effect will this change in accounts receivable have on next month's cash inflows? The accounts receivable aging schedule can help you spot these problems in accounts receivable, and provide the necessary answers early enough to protect your business from cash flow problems.</p> <h1>Credit Terms</h1> <p>Credit terms are the time limits you set for your customers' promise to pay for their merchandise or services received. When customers purchase your merchandise or services, you expect them to pay within a specific period of time (generally, 30 days). As a result of this promise, you agree to give up an immediate cash inflow until a later date. The credit terms of most businesses are either 30, 60, or 90 days. However, some businesses may have credit terms as short as 7 or 10 days. Often times a business's credit terms are dictated by an industry standard, or by its competition. For more information on the advantages and disadvantages of offering credit, see <a href="http://www.toolkit.com/small_business_guide/sbg.aspx?nid=P06_2300">building a credit policy that works</a>.</p> <p>The credit terms for your business have a direct influence on the cash flow of your business. Longer credit terms mean your business will have to wait longer for the cash inflows from the collection of accounts receivable. In the meantime, your business may experience a cash flow shortage.</p> <ul type="disc"><li class="MsoNormal" style=""><a href="http://www.toolkit.com/small_business_guide/sbg.aspx?nid=P06_4236">Offering trade discounts</a> may help speed up your cash inflows from accounts receivable, and help reduce a cash flow shortage created by extended credit terms.</li><li class="MsoNormal" style=""><a href="http://www.toolkit.com/small_business_guide/sbg.aspx?nid=P06_4240">Our case study on trade discounts</a> shows you how to decide what kind of trade discount to offer.</li></ul> Athwar Asharhttp://www.blogger.com/profile/05342791666236676515noreply@blogger.com0tag:blogger.com,1999:blog-530376966828643524.post-19521700958921928742009-12-17T20:28:00.000-08:002009-12-17T20:33:44.640-08:00would you just listen?<h1 style="font-family: trebuchet ms;">Would you just listen?</h1> <span style="font-family:trebuchet ms;"> by</span> eduardo ezardo<br /><br /><span style="font-family:trebuchet ms;"> Would you just listen and please don't say a word, just yet,</span><br /><span style="font-family:trebuchet ms;"> I'd like you to think back to the very first time we met,</span><br /><span style="font-family:trebuchet ms;"> How you felt around me? The memories we shared,</span><br /><span style="font-family:trebuchet ms;"> And just remember that once upon a time, you really cared.</span><br /><br /><span style="font-family:trebuchet ms;"> Now think about how we parted, and how much I cried,</span><br /><span style="font-family:trebuchet ms;"> But please don't speak, remember that I never ever lied,</span><br /><span style="font-family:trebuchet ms;"> That I told you the honest truth about why we were to split,</span><br /><span style="font-family:trebuchet ms;"> But now I'd like you to know that my heart broke bit by bit.</span><br /><br /><span style="font-family:trebuchet ms;"> The pain was deep, unbearable and painful, for so many years,</span><br /><span style="font-family:trebuchet ms;"> I'll never forget all the sadness, all the uncontrollable tears,</span><br /><span style="font-family:trebuchet ms;"> Slowly I am rebuilding my life, I am content with what I've got,</span><br /><span style="font-family:trebuchet ms;"> And although it is hard I am beginning to forget what I have not.</span><br /><br /><span style="font-family:trebuchet ms;"> You were a special part of my life that I will never forget, </span><br /><span style="font-family:trebuchet ms;"> A part of my life that broke my heart, but that I don't regret,</span><br /><span style="font-family:trebuchet ms;"> You gave me some happy memories that I'll keep in my heart,</span><br /><span style="font-family:trebuchet ms;"> Although sometimes I wish that you and I didn't have to part.</span><br /><br /><span style="font-family:trebuchet ms;"> You were my first love and my true love, that will always be so,</span><br /><span style="font-family:trebuchet ms;"> After all of the heartache, sadness and never ending pain, I know,</span><br /><span style="font-family:trebuchet ms;"> You and I had something special and that will never change,</span><br /><span style="font-family:trebuchet ms;"> Because I love you and loving someone else will always seem strange.</span><br /><br /><span style="font-family:trebuchet ms;"> Would you just listen and please don't say a word, not ever,</span><br /><span style="font-family:trebuchet ms;"> I'd like you to remember that once upon a time, we said forever,</span><br /><span style="font-family:trebuchet ms;"> That I had hopes and dreams, that I was the one who threw them away,</span><br /><span style="font-family:trebuchet ms;"> And this is something I will always regret until my dying day.</span>Athwar Asharhttp://www.blogger.com/profile/05342791666236676515noreply@blogger.com0tag:blogger.com,1999:blog-530376966828643524.post-72681202499754502742009-12-17T20:00:00.000-08:002009-12-17T20:05:40.732-08:00The Quantity of My Love<span style="font-weight: bold;">The Quantity of My Love</span><br /><br />by Edward Ezard<br /><br /><span style="font-family: trebuchet ms;">When I sensed your absence,</span><br /><span style="font-family: trebuchet ms;">I felt the loneliness deep within.</span><br /><span style="font-family: trebuchet ms;">I know that I had loved you,</span><br /><span style="font-family: trebuchet ms;">but I did not know how much until then.</span><br /><br /><span style="font-family: trebuchet ms;">The quantity of my love overflows,</span><br /><span style="font-family: trebuchet ms;">Spilling from the brim of my every part.</span><br /><span style="font-family: trebuchet ms;">My feelings that I can no longer hide but show,</span><br /><span style="font-family: trebuchet ms;">Flooding all the vessels throughout my heart.</span><br /><br /><span style="font-family: trebuchet ms;">There is nothing left for me to do,</span><br /><span style="font-family: trebuchet ms;">but to tell you how much I feel.</span><br /><span style="font-family: trebuchet ms;">I had coated myself from before,</span><br /><span style="font-family: trebuchet ms;">But for you, my heart is willing and ready to peel.</span><br /><br /><span style="font-family: trebuchet ms;">So let me tell you,</span><br /><span style="font-family: trebuchet ms;">What I've been wanting to say.</span><br /><span style="font-family: trebuchet ms;">Those 3 beautiful words,</span><br /><span style="font-family: trebuchet ms;">Where "you" and "I" are between, everyday.</span><br /><br /><span style="font-family: trebuchet ms;">There's no point in hiding it.</span><br /><span style="font-family: trebuchet ms;">As I look into your eyes, this is all I see,</span><br /><span style="font-family: trebuchet ms;">I love you. I love you!</span><br /><span style="font-family: trebuchet ms;">My heart beats for you, to an endless degree.</span>Athwar Asharhttp://www.blogger.com/profile/05342791666236676515noreply@blogger.com1tag:blogger.com,1999:blog-530376966828643524.post-2841311341693305592009-12-17T18:22:00.000-08:002009-12-17T19:48:13.789-08:00Cara Membuat Blog<div id="info" style="display: none;"> <a href="http://www.squidoo.com/cara-membuat-blog#" class="hideLink" onclick="setDisplay('info', 'none'); return false;">Close</a> </div> <div id="lens_header"> <h1> Cara Membuat Blog </h1> </div> <div class="adsense"> <script type="text/javascript"> var google_adnum = 0; /* only insert this line for your first ad unit */ function google_ad_request_done(google_ads) { document.write() var ad_code = ''; if (google_ads.length == 1) { ad_code += ''; ad_code += '<p class="adsense_credit"><a href="' + google_info.feedback_url + '\" class="googleClickout">Ads by Google</a></p>'; ad_code += '<p class="ad_title"><a href="' + google_ads[0].url + '" class="googleClickout">' + google_ads[0].line1 + '</a></p><p>' + google_ads[0].line2 + ' ' + google_ads[0].line3 + '<br /><a class="google_line_3 googleClickout" href="' + google_ads[0].url + '">' + google_ads[0].visible_url + '</a></p>'; //ad_code += '<div class="credit">'; //ad_code += 'Ads by Google</div>'; if (google_ads[0].bidtype == "CPC") { /* insert this snippet for each ad call */ google_adnum = google_adnum + google_ads.length; } } if (google_ads.length == 2) { var number_of_ads = 2; for(var i = 0; i < i ="=" class="adsense_credit"><a href="' + google_info.feedback_url + '" class="googleClickout">Ads by Google</a></p>'; } ad_code += '<div class="adsense_col">'; ad_code += '<p class="ad_title"><a class="googleUrl googleClickout" href="' + google_ads[i].url + '">' + google_ads[i].line1 + '</a></p><p class="ad_abstract">' + google_ads[i].line2 + ' ' + google_ads[i].line3 + '<br /><a class="google_line_3 googleClickout" href="' + google_ads[i].url + '">' + google_ads[i].visible_url + '</a></p></div>'; } if (google_ads[0].bidtype == "CPC") { /* insert this snippet for each ad call */ google_adnum = google_adnum + google_ads.length; } } document.write(ad_code); } google_ad_client = "ca-pub-9879162776784828"; google_ad_output = 'js'; google_max_num_ads = '2'; google_ad_type = "text"; google_targeting = "content"; google_ad_channel = "top_ad_unit"; google_feedback = 'on'; google_skip = google_adnum; /* insert this snippet for each ad call */ google_hints = "Cara Membuat Blog,apa itu blog,belajar blog,blog pribadi,blog template"; // --></script> <script type="text/javascript" src="http://pagead2.googlesyndication.com/pagead/show_ads.js"></script><script src="http://googleads.g.doubleclick.net/pagead/test_domain.js"></script><script>google_protectAndRun("ads_core.google_render_ad", google_handleError, google_render_ad);</script><script language="JavaScript1.1" src="http://googleads.g.doubleclick.net/pagead/ads?client=ca-pub-9879162776784828&output=js&lmt=1261103221&num_ads=2&skip=0&channel=top_ad_unit&ad_type=text&ea=0&feedback_link=on&flash=10.0.32&hints=Cara%20Membuat%20Blog%2Capa%20itu%20blog%2Cbelajar%20blog%2Cblog%20pribadi%2Cblog%20template&url=http%3A%2F%2Fwww.squidoo.com%2Fcara-membuat-blog&targeting=content&dt=1261103319217&correlator=1261103319219&jscb=1&jscd=1&frm=0&ga_vid=1137548998.1261103270&ga_sid=1261103270&ga_hid=1751015784&ga_fc=0&u_tz=420&u_his=1&u_java=1&u_h=800&u_w=1280&u_ah=770&u_aw=1280&u_cd=32&u_nplug=16&u_nmime=99&biw=1280&bih=591&ref=http%3A%2F%2Fwww.google.com%2Fsearch%3Fq%3Dcara%2Bmembuat%2Bblogspot%26ie%3Dutf-8%26oe%3Dutf-8%26aq%3Dt&fu=0&ifi=2&dtd=10"></script> </div> <!-- /content-adsense-top --> <!-- google_ad_section_start --> <!--INFOLINKS_ON--> <div class="module lens_intro"> <h2 class="module_title">Membuat Blog Itu Mudah</h2> <img src="http://static.squidoo.com/resize/squidoo_images/-1/lens2093725_1217233156ngeblog000.jpg" class="lensPhoto" alt="" /> <div class="module_intro">Pada Lensa ini Anda akan dipandu membuat blog dari blogger.com. Anda akan mampu membuat blog tanpa perlu berdiri terlebih dari kursi Anda saat ini, karena sangat mudahnya.</div> </div> <!--INFOLINKS_OFF--> <!--/lens_intro--> <div id="discovery-intro"> <div id="discovery-toc-abbrev"> <h3>Contents at a Glance</h3> <ol id="toc-left"><li><a href="#module10667364">Langkah 1: Daftar Google</a></li><br /><li><a href="#module10667594">Langkah 2: Daftar Blog</a></li><br /><li><a href="#module10667777">Langkah 3: Membuat Blog</a></li><br /></ol><ol start="4" id="toc-right"><li><a href="http://www.athwar.blogspot.com/cara-membuat-blog#module10667876">Langkah ke 4 Blog Template</a></li><li><a href="#module10668195">Belajar Membuat Blog Selesai</a></li><br /><li><a href="http://www.athwar.blogspot.com/cara-membuat-blog#module56527652">Lensa Lainnya</a></li></ol> <p class="more clear"><a href="http://www.athwar.blogspot.com/cara-membuat-blog#" onclick="$('discovery-toc-abbrev').hide(); $('discovery-toc-full').show(); return false;">more...</a></p> </div><!-- /discovery-toc-abbrev --> <div id="discovery-toc-full" style="display: none;"> <h3>Contents at a Glance</h3> <ol id="toc-left-full"><li><a href="http://www.squidoo.com/cara-membuat-blog#module10667364">Langkah 1: Daftar Google</a></li><li><a href="http://www.squidoo.com/cara-membuat-blog#module10667594">Langkah 2: Daftar Blog</a></li><li><a href="http://www.athwar.blogspot.com/cara-membuat-blog#module10667777">Langkah 3: Membuat Blog</a></li><li><a href="http://www.athwar.blogspot.com/cara-membuat-blog#module10667876">Langkah ke 4 Blog Template</a></li></ol><ol id="toc-right-full" start="5"><li><a href="http://www.athwar.blogspot.com/cara-membuat-blog#module10668195">Belajar Membuat Blog Selesai</a></li><li><a href="http://www.athwar.blogspot.com/cara-membuat-blog#module56527652">Lensa Lainnya</a></li><li><a href="http://www.athwar.blogspot.com/cara-membuat-blog#module10668256">Download eBook Gratis</a></li></ol> <p class="more clear"><a href="http://www.athwar.blogspot.com/cara-membuat-blog#" onclick="$('discovery-toc-full').hide(); $('discovery-toc-abbrev').show(); return false;">less...</a></p> </div><!-- /discovery-toc-full --> </div> <a name="module10667364"></a> <div class="module textmodule" id="module10667364"><span id="mod_head_right_10667364" class="mod_head_right" style="display: none;"></span> <h2 class="module_title nopad">Langkah 1: Daftar Google </h2> <h3 class="module_subtitle">Daftarkan Diri Anda di Google</h3> <!--INFOLINKS_ON--> <div class="write_module"> Lho koq? Koq di Google? Katanya mau ngajarin bikin blog di blogger.com, koq malah di Google? Tidak salah, karena untuk masuk ke blogger, Anda harus memiliki login google.com.<br /><br />Silahkan kunjungi http://www.blogger.com. Anda akan mendapatkan halaman seperti pada gambar dibawah.<br /><br />Jika Anda sudah memiliki login di Google, Anda tinggal login, maka Anda akan masuk ke Control Panel atau Panel Kontrol.<br /><br />Oh ya, Anda bisa memilih bahasa, apakah Bahasa Indonesia atau bahasa Inggris.<br /><br />Untuk kali ini saya anggap Anda belum memiliki login Google.<br /><br />Klik tanda panah besar yang bertuliskan CIPTAKAN BLOG ANDA.<br /><br />Sejauh ini sangat mudah dan akan terus mudah. </div><!--INFOLINKS_OFF--> </div> <!--/module--> <br /><a name="module10667528"></a><div class="module polaroid" id="module10667528"><span id="mod_head_right_10667528" class="mod_head_right" style="display: none;"></span> <!--INFOLINKS_ON--> <div class="polaroid-wrap"> <div class="polaroid-inner"> <img id="polaroidImage10667528" src="http://static.squidoo.com/resize/squidoo_images/-1/draft_lens2093725module10667528photo_1217233908ngeblog000.jpg" width="400" /><p class="caption">Halaman Pertama</p> </div><!-- /polaroid-inner --> </div><!-- /polaroid-wrap --><!--INFOLINKS_OFF--> </div> <!--/module--> <br /><a name="module10667594"></a><div class="module textmodule" id="module10667594"><span id="mod_head_right_10667594" class="mod_head_right" style="display: none;"></span> <h2 class="module_title nopad">Langkah 2: Daftar Blog </h2> <h3 class="module_subtitle">Lengkapi Pendaftaran Anda</h3> <!--INFOLINKS_ON--> <div class="write_module"> Setelah Anda klik tanda panah besar yang bertuliskan CIPTAKAN BLOG ANDA, maka akan muncul formulir seperti yang ada pada gambar dibawah ini.<br /><br />Proses ini akan menciptakan account Google yang dapat Anda gunakan pada layanan Google lainnya. Jika Anda sudah memiliki sebuah account Google mungkn dari Gmail, Google Groups, atau Orkut.<br /><br />Satu account Google bisa digunakan untuk mengakses semua fasilitas yang disediakan oleh Google.<br /><br />Jika Anda sudah memiliki accout google, Anda bisa langsung login (masuk). Untuk login ke Google, Anda harus login dengan menggunakan alamat email.<br /><br />Silahkan lengkapi.<br /><br />1. Alamat email yang Anda masukan harus sudah ada sebelumnya. Anda akan dikirim konfirmasi ke email tersebut. Jika Anda menggunakan email palsu atau email yang baru rencana akan dibuat, maka pendaftaran bisa gagal. Anda tidak perlu menggunakan email gmail.com. Email apa saja bisa.<br /><br />2. Lengkapi data yang lainnya.<br /><br />3. Tandai "Saya menerima Persyaratan dan Layanan" sebagai bukti bahwa Anda setuju. BTW Anda sudah membacanya?<br /><br />Setelah lengkap, klik tanda panah yang bertuliskan lanjutkan. </div><!--INFOLINKS_OFF--> </div> <!--/module--> <a name="module10667603"></a> <div class="module polaroid" id="module10667603"><span id="mod_head_right_10667603" class="mod_head_right" style="display: none;"></span> <!--INFOLINKS_ON--> <div class="polaroid-wrap"> <div class="polaroid-inner"> <img id="polaroidImage10667603" src="http://static.squidoo.com/resize/squidoo_images/-1/draft_lens2093725module10667603photo_1217235169ngeblog001.jpg" width="400" /><p class="caption">Form Pendaftaran 1</p> </div><!-- /polaroid-inner --> </div><!-- /polaroid-wrap --><!--INFOLINKS_OFF--> </div> <!--/module--> <a name="module10667608"></a> <div class="module polaroid" id="module10667608"><span id="mod_head_right_10667608" class="mod_head_right" style="display: none;"></span> <!--INFOLINKS_ON--> <div class="polaroid-wrap"> <div class="polaroid-inner"> <img id="polaroidImage10667608" src="http://static.squidoo.com/resize/squidoo_images/-1/draft_lens2093725module10667608photo_1217235311ngeblog002.jpg" width="400" /><p class="caption">Form Pendaftaran 2</p> </div><!-- /polaroid-inner --> </div><!-- /polaroid-wrap --><!--INFOLINKS_OFF--> </div> <!--/module--> <a name="module10667777"></a> <div class="module textmodule" id="module10667777"><span id="mod_head_right_10667777" class="mod_head_right" style="display: none;"></span> <h2 class="module_title nopad">Langkah 3: Membuat Blog </h2> <h3 class="module_subtitle">Memilih Nama Blog dan URL Blog</h3> <!--INFOLINKS_ON--> <div class="write_module"> Jika Anda berhasil, Anda akan dibawa ke halaman seperti pada gambar dibawah. Jika gagal? Gagal biasanya karena verifikasi kata Anda salah. Itu wajar karena sering kali verifikasi kata sulit dibaca. Yang sabar saja, ulangi sampai benar. Saya sendiri sampai mengulang 3X.<br /><br />Setelah Anda berhasil mendaftar, Anda akan dibawa ke halaman seperti yang ada pada gambar dibawah. Sekarang Anda mulai membuat blog dengan mengisi nama dan alamat blog Anda.<br /><br /><br />Jika Anda membuat lensa dengan tujuan mempromosikan produk Anda atau produk afiliasi, maka dalam memilih nama, harus berisi nama produk atau jasa yang akan Anda tawarkan. Misalnya jika Anda ingin menjual ebook saya, Anda bisa memilih kata kunci seperti motivasi, sukses, berpikir positif, dan kata-kata kunci lainnya yang sesuai.<br /><br />Anda juga bisa meneliti kata kunci yang paling banyak dicari orang (tentu harus berhubungan dengan produk yang Anda jual) di<br />https://adwords.google.com/select/KeywordToolExternal<br /><br />Anda bisa mengecek ketersediaan alamat blog yang Anda pilih. Jika tersedia bisa Anda lanjutkan. Jika tidak tersedia, maka Anda harus kreatif mencari nama lain atau memodifikasi alamat yang sudah ada, misalnya ditambahkan abc, xzy, 101, dan bisa juga dengan menyisipkan nama Anda.<br /><br />Lanjutkan dengan klik tanda panah bertuliskan LANJUTKAN. </div><!--INFOLINKS_OFF--> </div> <!--/module--> <a name="module10667780"></a> <div class="module polaroid" id="module10667780"><span id="mod_head_right_10667780" class="mod_head_right" style="display: none;"></span> <!--INFOLINKS_ON--> <div class="polaroid-wrap"> <div class="polaroid-inner"> <img id="polaroidImage10667780" src="http://static.squidoo.com/resize/squidoo_images/-1/draft_lens2093725module10667780photo_1217236208ngeblog004.jpg" width="400" /><p class="caption">Proses Pembuatan Blog</p> </div><!-- /polaroid-inner --> </div><!-- /polaroid-wrap --><!--INFOLINKS_OFF--> </div> <!--/module--> <a name="module10667876"></a> <div class="module textmodule" id="module10667876"><span id="mod_head_right_10667876" class="mod_head_right" style="display: none;"></span> <h2 class="module_title nopad">Langkah ke 4 Blog Template </h2> <h3 class="module_subtitle">Pilih desain yang sesuai dengan selera Anda.</h3> <!--INFOLINKS_ON--> <div class="write_module"> Berhasil? Tentu saja berhasil, memang mudah koq. Jika berhasil, Anda akan diarahkan ke halaman seperti yang ada pada gambar dibawah.<br /><br />Pilihlah tema yang sesuai dengan selera Anda. Jika tidak ada yang sesui dengan selera Anda, jangan khawatir, nanti masih banyak pilihan tema yang bisa Anda install sendiri. Sekarang pilih saja tema agar proses pembuatan blog bisa diselesaikan. Anda bisa preview tema dengan klik gambarnya.<br /><br />Untuk Memilih tema Anda klik (tandai) bulatannya o seperti pada gambar dibawah. Lihat yang saya tunjuk dengan panah merah buatan saya.<br /><br />Setelah itu Anda klik tanda panah yang bertuliskan LANJUTKAN </div><!--INFOLINKS_OFF--> </div> <!--/module--> <a name="module10667888"></a> <div class="module polaroid" id="module10667888"><span id="mod_head_right_10667888" class="mod_head_right" style="display: none;"></span> <!--INFOLINKS_ON--> <div class="polaroid-wrap"> <div class="polaroid-inner"> <img id="polaroidImage10667888" src="http://static.squidoo.com/resize/squidoo_images/-1/draft_lens2093725module10667888photo_1217237411ngeblog006.jpg" width="400" /><p class="caption">Memilih Tema</p> </div><!-- /polaroid-inner --> </div><!-- /polaroid-wrap --><!--INFOLINKS_OFF--> </div> <!--/module--> <a name="module10668195"></a> <span id="mod_head_right_10668195" class="mod_head_right" style="display: none;"></span> <h2 class="module_title nopad">Belajar Membuat Blog Selesai </h2> <h3 class="module_subtitle">Sekarang tinggal posting, pengaturan, dan tata letak</h3> <!--INFOLINKS_ON--> Selamat, sekarang Anda sudah memiliki sebuah blog. Sekarang Anda sudah mulai bisa memposting pemikiran Anda di blog dan dibagi ke seluruh dunia (eh Indonesia).<br /><br />Memang masih ada beberapa hal yang harus Anda lakukan, yaitu pengaturan, tata letak, penambahan eleman, dan penggantian tema jika Anda menginginkan tema yang lain. Ini untuk tingkat lanjut.<br /><br />Setidaknya, Anda sudah memiliki blog dan bisa posting. Hal ini sudah cukup untuk tahap awal.Athwar Asharhttp://www.blogger.com/profile/05342791666236676515noreply@blogger.com0tag:blogger.com,1999:blog-530376966828643524.post-5127177656877633512009-12-15T01:40:00.000-08:002009-12-15T01:44:19.557-08:00Kenalan dengan Blog<span style="font-weight: bold; color: rgb(0, 0, 153);">APA ITU BLOG</span><br /><span style="font-family: arial;">Blog adalah sngkatan dari Weblog. Orang pertama yang memperkenalkan blog adalah Jorn Barger 1997 pada bulan Desember.</span><br /><span style="font-family: arial;">Blog bisa dianggap sebagai laman web pribadi. Ia bisa dijadikan sebagai catatan harian pribadi, majalah pribadi, rumah pribadi, kedai pribadi dan buku pribadi. Kita bisa menuliskan apa saja di dalam blog tersebut.</span><br /><span style="font-family: arial;">Jika anda ingin menuliskan isi hati anda dan ingin diketahui oleh umum, maka blog ini adalah salah satu jalan keluar. Anda juga bisa mengajar orang banyak dengan menggunakan blog. Jadi amatlah banyak fungsi blog ini mengikut keinginan penulisnya.</span><br /><span style="font-family: arial;">Seperti sekarang ini, saya gunakan blog ini untuk mengajar anda cara membuat blog. Dan bagusnya blog ini adalah gratis.</span><br /><span style="font-family: arial;">Anda bisa gunakan blog sebagai toko anda. Dengan itu anda bisa mengiklankan barang-barang yang ingin anda jual atau apa-apa produk yang anda pasarkan.</span><br /><span style="font-family: arial;">Karena saya juga sedang belajar dalam membuat blog ini, maka saya akan mengajar anda dasar-dasar membuat blog yang saya ketahui. Anda beruntung karena menemukan blog ini yang akan mengajar anda langkah demi langkah dari awal.</span><br /><span style="font-family: arial;">Ikutilah langkah-langkah dengan sabar dengan banyak latihan. Tentunya pada tahap permulaan anda belajar membuat blog ini, anda akan mengalami banyak kesalahan. Tetapi hal itu biasa dan jangan takut kerana setiap kesalahan dapat anda perbaiki dan edit di kemudian hari. </span>Athwar Asharhttp://www.blogger.com/profile/05342791666236676515noreply@blogger.com2