Senin, 27 Mei 2013

TASK GROUP OF ENTREPRENEURSHIP "FINANCING"



CHAPTER I
INTRODUCTION

1.1 Background
Establishment of a business or business is definitely going to require a capital to finance the business, whether it is for small-scale businesses, medium and large scale enterprises. But not all prospective entrepreneurs have sufficient capital to establish his business. This has always been a problem for the novice entrepreneur.
In determining capital financing, entrepreneurs should determine the amount of funding and time needed, as well as projected sales and growth of the company. Small medium enterprises are usually difficult to venture capital is different from large companies that have the potential to evolve.
Financing or funding the beginning of a typical business are patterned according to personal financial planning. A prospective entrepreneur would first use personal savings and then try to gain access to savings family and friends. If these sources are insufficient, entrepreneurs will seek more funding official channels, such as banks and investors from outside parties. And the funding sources exist in the form of equity financing and debt financing.
Most sources of equity funding is personal savings, friends and relatives, small investors in the communities, large corporations, speculators, and the sale of shares of common stock in the market (go public). While the sources of debt financing are individual investors, dealers, asset based lenders, commercial banks, government-supported programs, and public financial institutions.
Based on the above, we try to discuss and analyze the things what are the problems in the financing of new ventures and what solutions can be used as problem solvers.
CHAPTER II
THEORY

2.1 FINANCING
2.1.1 Definition of Financing
Kasmir (2008:96), "Financing is the provision of cash or equivalent, based on an agreement between the bank and other parties who require parties to repay the money or the bill after a certain period of time in exchange or for the results".
Financing by Muhammad (2006:304), "the broadest sense means financing or expenditure, incurred the funding to support investments that have been planned, executed either by themselves or by others. In a narrow sense, the financing used to define funding by financial institutions, such as the Islamic Bank to its customers. In this sense the condition of the financing to be narrow and passive ".
According to Antonio (2001:90) "Financing is one of the bank's main task is the provision of funding facilities to meet the needs of those who are deficit units".
In a narrow sense "is used to define financing Financing by financing institutions such as the Islamic bank to the customer."
Broadly financing "means financing financing or funding the expenditures incurred to support the planned investment, either self-inflicted or done by others."

2.2 Purpose and Function of Financing
2.2.1 Objectives Financing
According to Antonio (2001:97), the purpose of financing is to increase the employment opportunities and economic prosperity. The financing should be enjoyed by as many employers are engaged in industry, agriculture, and commerce to support employment opportunities and support the production and distribution of goods and services in order to meet domestic needs and for export.
2.2.2 Functions funding
Finance function by Rival (2008:89) are as follows:
1. For profit and enliven the banking business in Indonesia.
2. Help low-income people who always played by the lender by assisting with funding for the work done.

2.3 Elements - elements of Financing
The element - the element contained in the financing arrives in Kashmir (2008:98) are as follows:
1. Confidence
Trust is a belief that the financing provided correct - really welcome back in the future following the term that has been given deal.
2. Period
Any financing provided for a certain period, the period covering the financial returns that have been agreed upon. A period of installment repayment deadline that has been agreed by both parties. For certain conditions this time period can be extended as needed.
3. Risk
Due to the grace period, then the financing will allow a return of the risk of uncollectible or bad administration of a financing. The longer the term of the financing, the greater the risk, and vice versa.
4. Fringe benefits
In conventional bank remuneration known as interest. Besides remuneration in the form of bank interest also charge an administration fee to the customer who is also the bank's profit.

2.4 Type - Type of Financing
The types of financing according to Antonio (2001:160) are as follows:
1. Based on the purpose of use is
a. Working Capital Financing
Financing working capital financing is intended to provide venture capital such as, among others, the purchase of raw materials or goods to be traded.
b. Financing Investment
Investment financing is funding for capital purchases of production equipment and facilities or the purchase of capital goods in the form of fixed assets / inventory by.
c. Consumer Financing
Consumer financing is intended to finance the purchase of an item that is used for the benefit of an individual (personal).
2. Based Payment / Installment For Results
a. Installment Financing With Periodic Principal and Profit Sharing
b. Financing With Revenue Cost of Periodic and Final Installment
c. Installment Financing With Main and End Results For
3. By Period of administration
a. Short-Term Financing with generally under 1 year.
b. Medium Term Financing with generally equal to 1 year.
c. Long Term Financing, generally over 1 year to 3 years.
d. Financing with a term of over three years in certain cases such as for housing investment financing, or rescue financing
4. Financed by Business Sector
a. Trade sector financing (eg, market, grocery store, grocery shop, etc..)
b. Industry Sector Financing (example: home industry, garment, shoes).

2.5 Principles - Principle of Giving Financing
According Simorangkir (2004:87), in assessing the application for funding should pay attention to several key principles relating to the overall condition of the prospective customer.
1. Character
Ie an assessment of the character or personality of the candidate receiving the funding in order to estimate the likelihood that the recipient of financing to meet its obligations.
2. Capacity
That is a subjective assessment of the recipient's ability to make payments financing. The ability measured by the track record of past funding recipients supported by field observations on its facilities such as shops, employees, equipment, and methods of plant activities.
3. Capital
Ie an assessment of the ability of capital owned by funding recipients as measured by the position of the company as a whole is indicated by the ratio of the emphasis on the financial and capital composition.
4. Collateral
Assurance that owned the candidate receiving financing. This assessment aims to ensure that if a default risk reached happen, then the collateral can be used in lieu of the obligation.
5. Condition
Looking at the economic conditions that occurred in the community specifically to see the relation with the type of work done by the candidate receiving the financing. This is because external conditions play a major role in the running of business funding recipients.

2.6 Financing Institutions
According to article 1, paragraph 2 of Presidential Decree No. 61 of 1988 is a Financing Institution is an entity that performs financial activities in the form of provision of funds or capital goods by not withdraw funds directly from the public. Financing Agency is an entity specifically established to undertake activities in the areas of business including finance institutions. Examples of Financial Institution:
1. Company Lease (Leasing Company)
2. Venture Capital firms (Venture Capital Company)
3. Securities Trading Companies (Securities Company)
4. Factoring companies (Factoring Company)
5. Company Credit Card (Credit Card Company)
6. Consumer Finance Companies (Consumers Finance Company)

2.7 Analysis of Financing
Muhammad (2006:304) states analysis in order to obtain the financing necessary financing provided confidence that can be returned by customers.
1. Type - Type Aspects Analyzed
a) Analysis of policies willingness called qualitative analysis. Aspects analyzed include character / character and commitment from the customer.
b) Analysis of the ability to pay for so-called quantitative analysis. The approach taken in the quantitative calculation, which is to determine the ability to pay and calculation of working capital requirements with the customer is the net income approach.
2. Granting Criteria Financing
I. Never give more consideration to the financing when:
o Compassion
o Contacts (siblings or friends)
o Customer respectable people (famous, respected, high social status, etc..)
II. Prioritize based on the following elements:
o Feasibility of business
o Ability to pay
Aspects assessed before performing cost analysis is
o Ability to benefit
o The rest of the financing with other parties (if any)
o Non-routine outside business activities

CHAPTER III
DISCUSSION

3.1 Financing Problems
Problems encountered related to the usual difficulties faced by entrepreneurs are:
1. Lack of Capital Procurement For Tenant Leasing.
This activity is carried out in the forms of capital procurement for Tenant Leasing, either with or without an option to purchase the item. Procurement of capital goods can also be done by purchasing goods and Leasing Tenants are then hired to try again. Throughout the Lease agreement is still valid, ownership of capital goods Lease transaction object, located in the Business Finance Companies.
2. The Doubtful Receivables Factoring.
This activity is done in the form of short-term trade receivables purchase of a company following the administration of the receivables. Purchase of short-term trade receivables following the processing can be done in the form of accounts receivable factoring without warranty of Seller and the Receivables Factoring Receivables with a guarantee from the seller. The definition of short-term receivables are receivables are due for ever 1 (one) year. Factoring without warranty of Seller Factoring Receivables is an activity in which the finance companies to bear the entire risk of uncollectible receivables.
3. Company failures in meeting their obligations.
Essentially means that a debtor does not pay its debts. Occurs when the debtor's failure to pay was not able to make payment in accordance with the agreed payment schedule both the interest and principal on the debt. Default terms known and used in the financial world to describe a situation where a debtor can not meet their obligations under the agreement he made such debts do not make the payment or repayment of debt principal installments in accordance with the agreement, including violation of the credit requirements as set forth in the counter . This condition can occur on all debt obligations including bonds, mortgages, bank loans, promissory notes paid, Medium Term Note, and other debt agreements. In the majority of the debt agreement (including corporate debt, mortgages, bank loans), debt principal to immediately become due for payment in the event of default. And generally, if a borrower defaulted on a debt owed to any creditor that the agreement also contains provisions regarding "cross failed" or more commonly known in the financial world in terms of the requirements of "cross default" was instantly declared a debtor will default also over other debts. In the event of default is the lender usually will immediately process the failure of the legal process (for example, filed for bankruptcy or foreclosure petition collateral) to secure the rights of creditors in the debt repayment charge.
4. The Company's performance or concept Doubt.
The main reason for refusing the financing of existing companies or new start is a dubious concept of corporate performance or bad. Ketidakminatan two underlying elements of business risk that investors are too high and too low levels of profit and return on invested capital.
5. Lack of experience and business acumen.
Problems such as these have certainly faced by all entrepreneurs who are just starting their business. Not a matter of experience and business acumen will be a negative impact for the survival of their businesses.
6. Capital limitations.
Businesses with little capital is a business where we do not need a lot of capital to get started because we have limited capital. What we need is a willingness to try. Although small with less capital but does not rule out the possibility you can get maximum results.
7. Lack of Relationship Capital Resources.
Establishing a good relationship with the owners of capital is really important because the owners of capital is an important person in the continuity of a business, here is how to establish a relationship with the owners of capital are:
1) There must be a structure of an agreement between the company and investors.
2) Fostering relationships short and long term.
3) Carry out responsibilities well, especially in the completion / return of capital.
8. Company Failure To Follow.
Failure to follow is the reason for the failure of companies to get capital. Generally companies make contact initial contact without preparing memoranda problems will occur.
9. Lack Investor In Investing
Selective investors in investing in entrepreneurs actors create new entrepreneurs difficulties in obtaining additional capital because it does not meet the standard requirements of investors.
10. Difficult Earned Capital
Money is a form of power that is flexible, but the way to get that power can be done by looking for another. Distribution of stock ownership is another way to change the distribution of spending money with a certain number of shares to attract people who might expertise is needed by the company. Most investors have a distaste for big investors to risk. Analysis and screening procedures conducted two types of investors to minimize risk:
a. Wiraswastaan ​​unknown risks that cause loss of capital
b. Risk of loss of time spent on unproductive projects.
11. Financing Not Effective and Efficient
That the purpose of the financing is not an effective and efficient financing issued for things that are not necessary or important as buying items that are not related to the business field at wrestled. Many programs are implemented by using a bit of money.
12. Financing A Less Productive
Financing unproductive occurring within the company, where the company can add value and produce goods and services that have been planned.
13. Any deviation Fund
This problem is almost certainly the case in every company. This happens because of the dishonesty in a person or individual. An example is the "numbers game" is performed by an employee for personal gain.
14. Inability In Purchasing Raw Materials
Inability of the company in the purchase of raw materials due to lack of capital owned by the firm.
15. Difficult Getting Loans
The number of investors who do not have office occupies nameplate, telephone number, and closed the publicity. This kind of situation will complicate entrepreneur investor or lender menenmukan for his new venture. Typically entrepreneurs will approach bankers, notaries, accountants to help get people to provide capital to the new venture.
16. Too amount Lending Provided
For corporate lending to micro, small and medium enterprises (SMEs) is still too high so that the growth of Small and Medium Industries (SMI) is hampered because of difficulty in obtaining low-interest business loans.
17. Profit and Return on Investment The Low
Profit in absolute amounts is essential. If a company has a low profit margin then the company would be less attractive to investors. For example a lot of companies earn 1% on sales of Rp. 1 billion, then this does not warrant the time, trouble, and risk only with profit of Rp1 million. Companies with low sales volume after long periods of operation, low growth potential, backlog inadequate or unrealistic projections also get in trouble with the low rate of return on investment. Company for a period of break-even point (BEP) are long, without any loss of profits that could ditampakan, flow and needs huge investment will provide the return on investment is low.
Solution: a businessman should be able to use funds efficiently in order to yield a high return on investment.
18. Difficulty Requirements and Procedures That Expensive
Financing services to small and medium enterprises and cooperatives (SMEs) in the form of credit or a loan, until now remains an urgent topic. All of these can not be separated from the inequality that shows support SME financing difficulties. On the one hand, SMEC a pillar of the economy of the people, more so in the past to overcome the impact of the economic crisis. On the other hand, SMEs are not enough to obtain the service of capital in proportion. Is there something not right in the SME financing system or implementation at the field level has not been harmonized so that the financing problems of SMEs impressed patchwork.
19. Difficulty Investor Investment Monitor
Investors invested in the company but the company is not transparent in financial reporting so that investors can not monitor their investments.
20. Absence of Identification Purposes of Capital
In entrepreneurship observe the intended use of capital is a very important thing, because capital is one of supporting the success of the company. Then it is not the identification of the intended use of capital is not terarahnya input and output of existing capital in the company.

CHAPTER 4
CLOSING

4.1 SOLUTIONS
1. Uncollectible receivables factoring.
First time in making perjanijian have a factoring agreement with a guarantee from the seller Factoring Receivables is an activity in which the seller bears the risk of uncollectible receivables part or all of the receivables sold to financing companies. If the bad debt recorded as costs, and the company should be more thoroughly in selecting clients.
2. Company failures in meeting their obligations
Then the firm should borrowers deliberate ways by giving its debt repayment plan all or some of its debts, including if necessary to restructure the debt. Especially in companies, suspension of debt payments aimed at improving the economic situation and the ability to make a profit debtors, then this way likely borrowers can repay their obligations.
3. Difficulty in obtaining capital
Before you do a search of venture capital, an entrepreneur also advance the feasibility of carrying out an assessment of the business venture capital sourcing is derived from:
1. Working capital
2. Venture capital (firms and investors)
3. Capital from investors
4. Capital loans from banks

REFERENCES

Antonio, Muhammad Shafi. , 2001. Islamic Bank of Theory to Practice. Gema Insani Press and Tazakia Wise. Jakarta.
Djumhara, Muhammad. 2006. Banking law in Indonesia. PT Citra Aditya Bakti. Bandung.
Cashmere. , 2008. Bank Marketing (Revised Edition). Prenada Media Group. Jakarta.
Simorangkir. , 2004. Introduction to the financial institution Bank and Non-Bank. Media Discourse partners. Jakarta.
Rival, Rival. , 2008. Islamic Financial Management. King Grafindo. Jakarta.
http://tiara-rahmadan.blogspot.com/2013/01/pembiayaan-usaha.html
http://mkpimandiri.blogspot.com/2012/10/problem-pembiayaan-pendidikan-di.html
http://elearning.gunadarma.ac.id/docmodul/kewirausahaan/bab3 pembiayaan_usaha_baru_yang_berkembang.pdf
http://click-gtg.blogspot.com/2010/09/penundaan-kewajiban-pembayaran-utang.html

TOEFL


Test of English as a Foreign Language TOEFL is abbreviated English proficiency exam (American accent) are required to enroll into college (college) or university in the United States or other countries in the world. This exam is required for applicants whose native language or the speaker is not English. TOEFL exam is organized by the office of ETS (Educational Testing Service) in the United States for all test takers around the world.
TOEFL English language test types are generally required for college entrance requirements at most universities in the United States and Canada for programundergraduate (S-1) and graduate (S-2 or S-3). TOEFL test results are also used as a material consideration regarding English language proficiency of the students who apply to universities in other countries, including universities in Europe and Australia. In general, the TOEFL test is more oriented to American English, and a little different from the types of IELTS test-oriented to British English. Not like IELTS, TOEFL test is generally not have the individual part interview test.
The test usually takes about three hours and is organized into 4 parts, namely:
· Listening comprehension,
· Grammar structure and written expression,
· Reading comprehension, and passage
· Writing.
Values ​​ranged TOEFL exam results: 310 (minimum) to 677 (maximum value) for the version of PBT (paper-based test).

Since 1998, the TOEFL test is conducted online using a computer (Computer-based Testing / CBT), and since 2005 called the iBT (Internet-based Test). In places that have not been able to implement CBT or iBT (because there are no computer facilities and internet network), the TOEFL test is still conducted manually using paper and pencil (paper-based test or PBT). More information about the test CBT and paper-based TOEFL relating to registration, venue, cost, and test preparation materials can be found on the official website of TOEFL, http://www.toefl.org (CBT version of the TOEFL exam results have value ranges from 0 to 300, while the value for the iBT is from 0 to 120).
Lately TOEFL test organizers also held a kind of test TWE (Test of Written English) is the result of a separate value TOEFL test scores. The test takes 30 minutes, and participants will be asked to write a short essay that describes the ability of participants to express and pour an idea or ideas, as well as supporting the idea that the examples contained in everyday life using English standard.

Another type of test that is TSEP TOEFL (Test of Spoken English Program) which is similar to the individual parts of the interview on the IELTS test. They are usually used when we want to register as a teaching assistant or lab assistant (as one way to offset the cost of tuition) in universias in the U.S. (or other countries). Form of tests conducted orally and lasts for approximately 20 minutes. Implementation time and the deadline for registration is the same as the other TOEFL test, and costs about $ 100.

In English there are two types of object: Object of a Transitive Verb (verb needs an object) and the Object of a Preposition (eg, on, at, in, behind, by, of, to, etc.). This is often used by item writers to trick or confuse toefl test participants. In other words, participants were keen to see whether the test should be that of the object of that sentence, the object of the verb or the object of a preposition ... Another aim of the author is to confuse the participants about the test whether a word is a subject or object of a preposition phrase.

Example question:

For the last five years at various hospital in the country has been practicing medicine __________.
A now
B that
C before
D a midwife

About the author wanted to trick the test participant who does not know the object of a preposition, the country is subjectdari seolah2 has been practicing ... Though the country merupakanobject of preposition in. If we want to plot the sentence about the above, there are three propositional phrase (group of words that preceded by the preposition) ie For the last five years, at various hospital, and in the country. From there we know that the real problem is the subject above missing so just find a decent selection so that the sentence subject, so that the right answer is D

Here I will explain one of 15 other examples of sentences used in the TOEFL along with the correct answer and why.

1. _____was ringing continuously for hours.
A. Loudly C. The phone
B. In the night D. The bells
The above sentence has the Verb was ringing, but does not have Subject. Of the answer choices; (A) loudly and (B) In the night one because both are adverb. Answer (D) The bells are also wrong because the bells are plural and incompatible with the ringing was a singular verb form. The best answer is (C) The phone due phonesingular accordance with singular verbs and verb was ringing.

2. Mr. Zulyanto was ... the long chain of unfortunate events
A. the first to break C. firstly broken
B. the first breaking D. breaking the first
The phrase "the first to break" in the sentence stretcher comes from the long form "the first man who broke". The phrase "man who broke" with the past tense verb can be replaced with a structure "to + V1", which is "to break".

3. I will return your notes ... assoon as copying them.
A. I will finish C. i finish
B. I do finish DI finished
The sentence is appropriate if equipped with a subject and verb form of the Simple Present Tense time, ie "I finish".

4. This coffee tastes a little ... to me.
A. strongly C. so strong
B. D. Strong too strong
The word "tastes" (feel, taste) to follow the type adjective, ie "strong" (strong).

5. She has not seen her family three years ago ....
A. since C. for
B. from D. Before
The sentence form Present Perfect Tense (has not seen). If the description of the time refer to a particular point in time ("three years ago", as calculated from 2008 point time was in 2005), then the next word to be used is "since" (since).

6. The movie ____ Appearing at the local theater is my favorite.
A. now
B. is
C. it
D. was
Appearing is not part of a verb but an adjective. Her subject is movies and verbnya is is. Answer (B), (C) or (D) is incorrect because the sentence above already has a verb. The best answer is (A) now.

7. The _____ baked bread this morning smelled delicious.
A. has
B. was
C. it
D. just
Analysis:
baked bukanlan part of a verb, but an adjective. Verb of the sentence above is smelled and his Subject is the bread. Answer (A) and (B) is incorrect because it does not need a baked adjective and helping verb. Answer (C) is incorrect because the sentence above already has a Subject. The best answer is just.

8. I forgot my coat, ____ I got very cold.
A. then
B. so
C. later
D. as a result
The sentence above has two clauses: I forgot my coat and I got very cold. To connect, we have to use a Coonector. Then word (A), later (C), and as a result (D) is not the Connector. So the best answer is (B) because the second clause so it can connect correctly.

9. It's a shame that you have .... time in Texas on the tour
A. so few C. a few
B. so little D. a little
The word "time" including nouns can not be counted (uncountable), so to say "so little time" right is "so little time". "Little" is only used on nouns can not be counted.

10. It is ... day that travel advisories have been issued for most the major highways.
A. such snowy C. such a snowy
B. so snowy D. such snowy
"Such" is used specifically to denote a certain characteristic shapes (identity of type). Another example: "They regulary get" The Daily Courier '. I would not read such a paper "

11. Although she is very popular, she is not ... her sister.
A. more pretty than C. pretty as
B. as pretty like D. prettier than
That sentence using the Comparative Degree. If it consists of two syllables, to express more, then enough members affixes "-er" and followed by "than". Thus, the correct choice is "prettier than".

12. A few of .... are planning to drive to Florida today.
A. we girls C. us girls
B. girls we D. us girls
The word "of" as if the word depatn followed person pronoun, then it must be shaped object, sehigga pilihanyang exactly is "us girls".

13. The child ... playing in the yard is my son
A. now
B. is
C. heigh
D. was
In this example, if you only look at the first word on the matter at the top of "the child", you might think that it is the subject of the sentence and you will automatically assume that "playing" is a verb. Of course you will choose answer B or D to complete perhaps the verb "playing" but wrong.
We have to analyze that "playing" is not a verb because there is a verb in the question of "is". So should not you choose B or D. If you choose C and even then the sentence is wrong because there are already the subject of "child". So the sentence is already a Verb (is) and subject (child). So the correct answer is "A".

14. _____ Was arriving in Makassar Sultan Hasanuddin Airport
A. In the morning
B. Mimien and Josh
C. They
D. Tom
Above matter has been contained verb was arriving. In the example of this problem, we have to add a subject. Because the verb or verb of the sentence above is was arriving, then it takes a subject that was to be matched with (past tense of to be is). So the best answer is D.

15. The _____ plane landing in one hour
A. Will be
B. Was
C. It is
D. It really is
Sentence in this case has been the subject containing the plane and also contains a verb landing. The correct answer is option A. will be. Note the suitability of the sentence. Will be required to enhance verb. Option B is wrong because in one hour means information will occur in the future (not yet happened), while was a past tense. Choice C is wrong because the sentence above was contained subject.

reference:
http://id.wikipedia.org/wiki/TOEFL
http://pembahasan-soal-soal-toefl.blogspot.com/
http://zulyantoari.blogspot.com/2013/04/soal-soal-toefl-dan-penyelesaiannya.html

me and myself



I could say a college student working part time, my work place is my story. Early into the company initials "I", in the year I entered this place might arguably fortunate children because only test interview. I was out with friends one class entered this place. I prefer men older boys, he looks cool in all sides, but scientific studies have not been completed, the spirit brother muuaaaccchhh :) All activities are run with time running up to the time passed away. Following recruitment came, there I was assessing new kid, for some reason his face was something that interested me, but I probably could not reach it because the rival is too much even my friends love it too, maybe I should relent does he not the one who is destined to me. That feeling can not be covered, but I'm going to bury it deep. All gone in the time that has elapsed. Following recruitment came, everything went flat, I still harbored feelings hahha :D but still I liked most of the older boys. Until the holidays came and we went to Bali on holiday with a guy who I like also there ahhaha. After the activity was completed holiday as usual, there is a new kid man who seems really arrogant, nor greet scolds, who he is!! He thinks he's a guy the coolest? :/ OMG!!! All were passed over time. Somehow keep my place while I was working, I was boring time for a problem to work at my place, my face also looks sadistic probably hahhaa, suddenly my friend said "hey,, past the arrogant afraid to see you", with a surprise, I immediately ask for the phone number of the arrogant and then I send a message to him, "U scared look on my face?  I look like a monster? :D ", ranging from the message closer to the end I was arrogant. We became close friends and may be practically welcome
~ Continued ~

yo y yo mismo
Podría decir que un estudiante universitario de trabajo a tiempo parcial, mi lugar de trabajo es mi historia. Temprano en las iniciales de la empresa "I", en el año que entré en este lugar podría posiblemente los niños afortunados porque sólo entrevista de prueba. Yo estaba con amigos una clase entró en este lugar. Yo prefiero hombres niños mayores de esa edad, se ve bien en todos lados, pero los estudios científicos no han concluido, el hermano espiritual muuaaaccchhh . Todas las actividades se realizan con el tiempo corriendo hasta el momento pasado. Después de la contratación vino, no me estaba evaluando chico nuevo, por alguna razón, su cara era algo que me interesaba, pero probablemente no podría alcanzarlo porque el rival es demasiado, incluso mis amigos les encanta también, tal vez debería cejar hace que no la uno que está destinado a mí. Ese sentimiento no puede ser cubierta, pero voy a enterrar en lo más profundo. Todos se han ido en el tiempo que ha transcurrido. Después de la contratación vino, todo fue plana, todavía albergaba sentimientos hahha: D pero todavía le gusta la mayoría de los chicos mayores. Hasta que llegaron las vacaciones y nos fuimos a Bali de vacaciones con un chico que me gusta también hay ahhaha. Después de la actividad se completó vacaciones como de costumbre, no es un hombre nuevo chico que parece muy arrogante, ni saludar a regaña, quién es! Él piensa que es un tipo el más fresco? :/ OMG! Todos fueron pasados ​​a través del tiempo. De alguna manera a mantener mi casa mientras yo estaba trabajando, era tiempo aburrido para un problema para trabajar en mi casa, mi cara también se ve sádica probablemente hahhaa, de repente mi amigo dijo "oye, más allá del miedo arrogante de verte", con una sorpresa , pregunto inmediatamente para el número de teléfono de la arrogante y le envío un mensaje a él, "¿lo asustada expresión de mi cara es mi monstruo: D", que van desde el mensaje más cerca del final que era arrogante. Nos hicimos muy amigos y puede ser prácticamente la bienvenida
Continúa ~ ~

Senin, 20 Mei 2013

Tugas Softskill ke 3 STYLE IN WRITTEN ENGLISH


 1. The defendant refused to answer the Prosecutor's questions _________
(A) Because he was afraid it would incriminate him 
(B) for fear that they will incriminate him 
(C) Because he was afraid that his answer would incriminate him 
(D) fearing that will be incriminated by it
Answer : (A) Because he was afraid it would incriminate him 

2. Mrs. Walker has returned______
(A) a wallet back to its original owner 
(B) to its original owner of the wallet
(C) the wallet to its owner originally 
(D) the wallet to its original owner
Answer : (D) the wallet to its original owner

3. The hospital owes______for the construction of the new wing. 
(A) the government twenty million dollars 
(B) for the government twenty millions dollars 
(C) to the government twenty million dollars 
(D) twenty millions of dollars to the government
Answer : (C) to the government twenty million dollars 

4. Sarah_______that she could not Attend classes next week. 
(A) told to her professors 
(B) said her professors 
(C) told her professors 
(D) is telling her professors 
Answer : (D) is telling her professors 

5. The artist was asked to show some paintings at the contest Because ______ 
(A) he painted very good 
(B) they believed he painted well 
(C) of their belief that he was an artist good 
(D) the judges had been told of his talents 
Answer : (B) they believed he painted well 

6. If motorists do not observe the traffic regulations, they will be stopped, 
                                          A            B                                        C
 ticketed, and have to pay a fine.
                                       D 
Answer : (D). have to be paid a fine. 
Because it "stopped, ticketed" is passive, then "have to pay a fine" must also be in the passive voice. 

7. Fred, who usually conducts the choir rehearsals, did not show up last night 
                                                                         A                                         B
because he had an accident on his way to the practice
                        C                                                D 
Answer : A. the choir rehearsals. 
The sentence "the choir rehearsals" Is not needed the letter "s" because it is not the verb of the word "the choir" 

8. A short time before her operation last month, Mrs. Carlyle dreams of her daughter             
               A                                                    B                                             C 
who lives overseas
                    D 
Answer : C.dreamed.
The sentence "dreams" should be past tense. Because the word "last" month also in the past tense. 

9. The atmosphere in Andalucía is open, warm, and gives a welcome feeling to all 
                                               A                                                                   B 
who have the good fortune to visit there. 
   C                      D 
Answer : C. who.
The sentece "who" changed to "that" because of the word that is used to describe "the atmosphere" 

10. Some of the people were standing in the street watched the parade, 
                      A                                    B                                     C
while others were singing songs. 
                 D
 Answer : C. watched.
Because the sentence "watched" is the past participle form of the verb use of verb-ing. and the sentence above is actually an amalgamation of two sentences.

Jumat, 10 Mei 2013

Gissel Lyrics - Thieves Heart


Just wanted to dwell in the silence of the night
Picturing in front of me, you blew me aura
And I was silent in the stillness of the night
I want to assure myself whether I had fallen in love

You thief of hearts
I never thought that it came so soon
You thief of hearts
Let this be a melody of love both

And I was silent in the stillness of the night
I want to assure myself whether I had fallen in love

You thief of hearts
I never thought that it came so soon
You thief of hearts
Let this be a melody of love both

You thief of hearts
I never thought that it came so soon
You thief of hearts
Let this be a melody of love both

(you thief of hearts
I never thought that it came so soon)
You thief of hearts
Let this be a melody of love both

(my thief, thief of my heart) both


reference :
gissel lyrics - Thieves heart

Seen from a distance


To you from a distance,
Seen from a distance as to make the area of defense. Survive to an extent that could not be determined. Seen from a distance like a meeting without you present should see me first. Seen from a distance is actually just want to reduce Rinduku slowly, and do not let those feelings go away. From the past until now, not always so right? Seen from a distance while continuing to repeat the silence. Seen from a distance, that's the way I love you secretly. Thousands of people say, is a mistake. However, every fall I felt a sense of greater than all the doubts that I was thinking.

Seen from a distance is the way I love you like a God. The more attention from a distance, which is much more than keep the place unnoticed. God is the same as me. It's just that you do not need to know my whereabouts. Which may be due to too much attention, so much more than you know about yourself. Seen from a distance sometimes fun and sometimes sad. But I always do it with sincerity, without regret because there is a downside. Love you like a dream to go into the world and brought a lot of fairies who taught belari with one foot or dancing with rainbows. Who had never done before meeting the dream every day and the fairies.

With a saw from a distance, my heart never want to go home. Because there where you are someone who makes me feel light and comfortable. Seen from a distance, maybe it's just now that I can do. But when the time is filled with silence, and where there should be a stop, maybe we'll be in a meeting of God unite.

reference :
http://lovepathie.tumblr.com/post/16392278045/melihat-dari-kejauhan