Archive for July, 2013

07.5
13

Ubud, Bali, Property Investment Five Great Reasons Why Ubud Real Estate Will Grow In Value

by como ·

Bali is one of the worlds’ most sought after tourist destinations. Its unique ancient Hindu culture is rich with elaborate religious ceremonies and processions that occur almost daily.

Five Great Reasons for Property Investment in Ubud:

1. Ubud is the art and dance cultural center of Bali. Located in the center of the island-state, this small village is one of Bali’s three primary tourist areas. Ubud thrives on a steady, dynamic level of tourism that stimulates a fast growing real estate business climate for both commercial and residential properties. Bali’s stable provincial government is democratically elected and encourages an open and welcoming business climate since economic growth adds greater tax revenues that permit new and ongoing development projects. The government’s ever increasing investment in infrastructure stimulates even more foreign investment and the implementation of new business standards and regulations underpin long term economic success strategies that point to sustained growth in coming decades. Even during the recent global economic crisis, Indonesia maintained approximately a 6% growth rate. This burgeoning economic giant in the region was little influenced by the downtrend, primarily because the Indonesian financial system doesn’t function as a credit-based economy. Most foreign investment in real estate is on a cash basis. Today property values maintain a steadily increasing growth curve and the investment value of property in Ubud continues to augment because of the town’s popularity amongst tourists and locals alike.

2. Ubud, a quaint little village of only 8000 people, is a magical place. In 2009 it was rated “Best City in Asia” by readers of the US-based luxury magazine Conde Nast Traveler. Ubud dethroned Bangkok as the best Asian city. Bangkok had held the top spot since the category debuted in 2004. Ubud also beat out several other key travel destinations–Hong Kong, Shanghai and even Tokyo–all major contenders for the prestigious award. Ubud’s validation by Conde Nast Traveler as being “The Friendliest Town of All” is just one of many aspects that will most likely boost property and business values in the area for years to come. On a side note for connoisseurs, Cathay Pacific’s Inflight Magazine, named the martinis at Naughty Nuri’s restaurant in Ubud as being one of the top five best in all Asia.

3. Adding to Ubud’s media frenzy buzz, the town was prominently featured in the wildly popular, global best selling book, “Eat, Pray, Love,” which remained on the New York Times Best Seller List for a staggering 187 weeks. Oprah Winfrey devoted two full episodes of her show to discuss the book’s success, which was soon followed by a Hollywood movie of the same name starring Julia Roberts, who won the 2001 Academy Award for Best Actress. Ubud’s recent accolades have intensified global investment interest in the town, which continues to show strongly augmenting revenues in the tourism sector of its economy. Property values and land rental rates for restaurants, shops, residences and hotels continue to skyrocket, which has stimulated even more interest in private real estate investment.

4. Notwithstanding the attraction of Bali’s rich ceremonial culture and its lush tropical environment, one contributing factor to the island’s dynamic rate of tourism growth is its low cost of travel expense when compared to high-key Western destinations in the States and in Europe or even in the nearby Southeast Asian cities of Singapore and Hong Kong. Indonesia’s average per capita income is approximately US$2 per day across much of the country and per capita income for workers in Bali typically is less than five dollars per day. Such low cost greatly reduces construction expense for new projects and the cost for staff once the projects are completed. This factor becomes highly attractive for not only foreign commercial real estate ventures but for private property investment as well. Retirees seeking exotic locales for retirement often place high-value-for-money-spent as a primary investment concern.

5. Living in Ubud has its rewards. Since the town is located in the center of the island at a higher elevation than the over-crowded beach areas further south, the temperature is several degrees cooler. And there’s a bit more rain in Ubud, which generally is of short duration, that nurtures the nearby verdant rice terraces–some of the most dramatic on the island. Ubud’s rich cultural heritage in art and dance has fostered a vibrant expat community of countless individuals involved in the creative arts, many as working professionals. A rich social network already exists in the town and it’s easy to tap into for newcomers. The magic draw of Ubud has triggered the opening of numerous art galleries, fine dining establishments and five-star hotel accommodations. Many foreign investors seek property investment opportunities in Ubud to capitalize on Bali’s lucrative tourist industry by tapping into the luxury holiday rental villa sector.

Ubud’s vibrant residential real estate market has spawned some of Bali’s most innovative architectural designs, many that incorporate structures rising from infinity-edged reflecting pools. The concept blends unique contemporary design with the traditional Balinese “alang alang” thatched roof. The climate is temperate all year long so glass-enclosed, open-air rooms can invite nature inside in an often striking juxtaposition of elements.

Today’s Ubud seems to have captured the most exotic aspects of Bali’s rich cultural heritage while it keeps abreast with the future. It surely has captivated the world’s attention.

Copyright Glen Allison ALL RIGHTS RESERVED

07.5
13

How Christmas Cards Affect The Printing Industry

by como ·

Each day during the Christmas season, many businesses and private individuals turn to printers, asking them for personalised calendars and corporate Christmas cards. Writing Christmas cards became a tradition in the XVIII century, when the British royal family started to use them as a form of congratulation for social acquaintances.

So, Christmas cards became the ideal way to congratulate someone during the holiday season, without having to spend a lot of money on the purchase of gifts and wrapping paper. Furthermore, Christmas cards could be sent by mail without any problem; as the XX century advanced, more and more people turned to Christmas cards as a solution to an increasing social ambiance and to lessen the need to provide tokens or gifts of friendship that overwhelms their entire financial income.

Even so, Christmas cards became a great advertising and marketing opportunity since trade cards started to appear. Trade cards are prints on one single sheet or card, with the business simply wishing the customer a Merry Christmas; but the idea of the Christmas card as we know it started to appear and become more popular in the XX century. In 1961 only 2000 of them were printed, while in 2005 an average of 1.4 million Christmas cards were printed, sent and distributed.

This makes Christmas cards one of the strongest money-makers for the printing industry, not only from the private sector, but also from the commercial sector that seeks to elevate their business higher in the ranking of the target market, in contrast to their competitors.

Frequently, printing workshops linger through the year with a small amount of work, according to the difficulties and economic events that happen in the location where they are found; it might be that all the work they do relates to marketing promotional products. Big printing companies do not worry much about the off season, since they carry on the printing requirements for other companies, however, the small printing business, the one that suffers the changes of the printing business season, suffers the consistent reduction of marketing promoting products.

The Internet, with its online marketing potential, makes it less necessary for advertisers and marketers to use promotional products to enhance the presence of a product, service or business in the target market. Consequently, printing workshops have to subsist as much as possible on alternative means, until the Christmas season. Christmas cards are still popular among private citizens and businesses; however, the appearance of the laser printer and the increasing use of the Internet has modified greatly the way Christmas cards are viewed, printed and even created.

In yester years, Christmas cards were printed on cardboard and decorated with water colours and even glitter; now, even serigraphy is taken off the Christmas cards, making laser printed Christmas cards the new fashion statement; this might end up reducing the printing workshops to a thing of the past.

Despite it all, Christmas cards are still the biggest income source for all printing workshops alongside the printing of catalogues and calendars. Therefore, the effect that Christmas cards have on the printing industry is evident to the naked eye.

07.3
13

Employment Law Laws That Protect Employees In The Workplace

by como ·

In the nineteenth century and parts of the twentieth century, employees and employers were largely left to themselves to arrange a working agreement, including payment, work conditions, and so on. Employees had to trust that their employers would treat them fairly, and employers knew that if they didn’t treat their workers well, they might leave to work somewhere else. Although this arrangement worked well for many, during the industrial revolution, employees began to lose their leverage of leaving that kept employers in check.

During the industrial revolution, large factories rose up, employing workers by the thousands. Employers rarely had direct contact with their employees, and people akin to task masters oversaw the workers. Working conditions were harsh. If a worker showed up late to work, was in any way disorderly, or tried to unionize, he or she could be fired. Even children were hired and forced to work long hours in unhealthy environments.

And despite poor working conditions, long hours of arduous labor, and low wages, factory employees had nowhere else to go because most places of employment were the same. These difficulties were most often experienced by immigrants and the poor, and because they had no way to improve their situation, these workers had no choice but to work in these factories and other similar places.

Eventually, in the early twentieth century, the government passed a series of labor laws that helped rectify the poor working situation. These laws established minimum wages, work environment regulations, and union rights. And throughout the century, more laws were periodically passed that made illegal any discrimination (based on gender, religion, age, and so on) against employees.

Because of the sufferings of thousands in those prior years, employees today enjoy the benefits of being guaranteed certain rights. Unfortunately, some employers are still found guilty of disobeying these employee-protection laws.

Today, the most common breach of employee rights is discrimination. Some employers may even inadvertently discriminate against employees based on age, gender, race, religion, or disability. But inadvertent or not, discrimination in the workplace is illegal. One of the only exceptions is discriminating against disability. If a job cannot be performed with reasonable accommodation by a person with a disability, the employer retains the right to not hire that person. Of course what is considered “reasonable” is something of a gray area, but the exception is meant to ensure that employers aren’t forced to hire someone who can’t perform the job.

Another common type of discrimination is based on age. Many have the misconception that someone who is older may not be as good a worker as someone who is young. However, if an elderly person meets all of the requirements of job, he or she must be seriously considered on equal footing with other candidates.

In regards to the payroll, gender discrimination is quite common. In general, women are still paid less than men for performing the same jobs. Although this disparity in pay is becoming smaller and is not as bad as it was just a few decades ago, in general, women are still paid less. The problem in detecting this type of discrimination is that people are often prohibited from discussing income with their coworkers, and many people don’t know what is considered fair pay for their jobs.

Another all-to-common illegal occurrence in the workplace is sexual harassment, particularly toward women. Sexual harassment can range from derogatory or sexual comments to receiving promotions based on sexuality to unwanted forceful actions. And sexual harassment is illegal not only if it comes from an employer but from a coworker as well. Unfortunately, in many cases of sexual harassment, the victims are either too embarrassed or scared to come forward and take legal action against the guilty party.

And although discrimination and harassment are illegal, when people take legal action against their employers on the basis of discrimination, feelings of tension or anger may exist between the two parties. And although there may not be much a person can do to resolve the tense atmosphere, employees can rest assured that if an employer attempts to discharge our fire them because they filed a charge of discrimination, the employer will face additional legal charges.

Employers also cannot legally retaliate against those who take protected leave under the Family Medical Leave Act or who file a workers’ compensation claim. Such retaliation is illegal so that employees will not be threatened or discouraged from filing legal charges.

Sometimes employees find it difficult to prove that they are being discriminated against or they may not be entirely sure what legally qualifies as discrimination or unfair treatment. In these cases, an employment attorney can be helpful. Employment attorneys specialize in labor laws and are familiar with past employment law cases, which can help you better understand your rights and determine if you should take legal action against an employer. And whether you’re looking for a Houston employment attorney or one elsewhere, you should research the attorney’s qualifications and experience before hiring one to advise or represent you.

Labor and employment laws were created after years of worker oppression and in response to employees’ demands for fair and equal treatment. Because of these laws, employees are no longer required to work obscenely long hours for little pay, work in unsafe environments, or suffer from harassment and other abuses. Because of these laws, working conditions have drastically improved, and with the current legal system, employees have a means to constantly evaluate, analyze, and continue to improve working conditions in a way that ensures they can do their best work without fear of oppression or discrimination.

07.2
13

Pnc Bank Online Banking

by como ·

The PNC Bank Online Banking service is offered by PNC Bank to its customers and account holders. This service enables the banks clients:

To access their accounts from any where in the world.
Perform various functions over the net itself, saving on time.

Features of PNC Bank Online Banking
PNC Bank Online Banking service is available for the banks customers free of cost. Following are the distinctive features of this service:

Account Summary: You can remain in touch with your finances by obtaining a summary of your PNC personal, business and investment accounts through this service.
Account Activity: You can access your accounts round the clock. You can check balances, review recent transactions and view images of the checks you have submitted.
Online Bill Pay: You can save time and money by paying your bills through this service. Online bill payment requires just a few minutes of your time, with you using just one simple screen to place your instructions. This service gives you the flexibility to decide how much you want to pay for each bill.
Online Statements: You can contribute on saving paper. You can use the PNC Bank Online Banking service to receive and view your statements online. You can also print or download statements for up to last 36 months.
Transfer Funds: Through this service, you can move your money to where you need it. You can either transfer funds between your PNC Bank accounts or between your PNC account and your accounts at other financial institutions.
AutoAlerts: You can use this facility to remain informed about every critical event related to your accounts and bills. This service can send you e-mail notifications to alert you about key account activity such as low balances, the arrival of direct deposits or overdrafts on your account.
Data Export: This facility in the PNC Bank Online Banking service enables you to download account activity in Excel, Microsoft Money or Quicken file formats in just a few clicks.