Anda perlu tahu bahwa kecelakaan fatal yang melibatkan banyak kendaraan lebih umum terjadi di jalan tol ketimbang di jalanan biasa. Di bagian ini, Anda akan menemukan sejumlah tips penting yang bisa Anda terapkan untuk mengurangi risiko kecelakaan tersebut:
1. Perhatikan Batas Kecepatan Paling Tinggi
Jalan tol yang identik dengan transportasi bebas hambatan membuat banyak orang suka berkendara dengan kecepatan tinggi. Kesalahan persepsi ini sering berbuah petaka dalam bentuk tabrakan beruntun, di mana kerusakan dan jatuhnya korban jiwa mustahil untuk dihindari.
Oleh sebab itu, masyarakat harus sadar bahwa berkendara dengan terlalu cepat hanya akan membawa musibah. Memperhatikan ambang batas kecepatan saat berkendara di jalan tol adalah salah satu kunci dalam mengurangi peristiwa kecelakaan besar.
2. Waspadai Kontur Jalan yang Tidak Mulus
Percaya atau tidak, ada beberapa jalur tol di Indonesia yang konturnya kurang baik. Jalan tersebut bisa saja bergelombang, berkerikil, maupun aspalnya terkelupas. Kontur jalan tol seperti ini wajib Anda waspadai, sebab dapat membuat kendaraan menjadi oleng dan akhirnya menimbulkan tabrakan.
Tips ini berkaitan erat dengan dengan pengaturan kecepatan mobil. Kontur jalan tol yang tidak mulus akan membahayakan siapapun yang berkendara terlalu cepat. Anda pun dituntut untuk waspada dan memperhatikan kecepatan saat melalui jalan yang kurang baik ini.
3. Fokus ke Jalan, Bukan ke Gawai
Salah satu penyebab tabrakan beruntun yang cukup sering terjadi, yaitu ketika si pengendara terlalu banyak melihat ke gawainya. Kelalaian ini juga dapat terjadi pada mereka yang berkendara dengan bantuan aplikasi GPS.
Anda sebagai pengendara wajib memusatkan perhatian ke jalan, apalagi jika sedang ramai atau kurang mulus. Apabila memang tak perlu, matikan gawai Anda atau titipkan kepada penumpang bagi Anda yang berpergian bersama keluarga.
4. Jangan Menyalip Secara Sembarangan
Meskipun jalan tol berada dalam kondisi sepi, bukan berarti Anda bisa seenaknya menyalip kendaraan yang berada di depan. Bahaya menyalip sembarangan ini dapat timbul dari kendaraan di belakang Anda yang juga ingin ikut menyalip atau dari arah yang berlawanan.
Tetaplah berhati-hati, karena Anda belum tentu tahu apakah jalan di hadapan kendaraan tersebut aman untuk mobil Anda masuki atau tidak.
5. Kurangi Kecepatan apabila Jalan Sedang Ramai
Anda pasti sudah sering melihat pesan berupa “jaga jarak aman” ketika berkendara di jalan tol. Itu karena jalan tol selalu ramai oleh macam-macam kendaraan, termasuk juga bus dan truk. Semakin ramai jalan tolnya, semakin besar pula risiko tabrakan beruntun yang dapat terjadi.
Kurangilah kecepatan mobil Anda begitu mendapati adanya keramaian di jalan tol. Pengurangan kecepatan ini akan mempermudah Anda dalam menghentikan kendaraan pada jarak aman, apalagi jika jalur tol sedang tersendat.
6. Jika Mengantuk, Segera Istirahat
Berkendara dalam kondisi mengantuk, lebih-lebih lagi di malam hari merupakan bahaya yang banyak orang sepelekan. Waspadalah, sebab perilaku ini dapat mengacaukan konsentrasi Anda dan mengakibatkan kerugian besar.
Jangan memaksakan diri untuk berkendara bila Anda merasa kelelahan dan ingin tidur. Segera cari tempat untuk beristirahat, yaitu rest area di jalan tol dan segarkan diri hingga Anda siap untuk berkendara lagi.
Sudah Tahu Tips-Tips Menghindari Tabrakan Beruntun?
Demikianlah artikel ini menjabarkan cara-cara untuk menyelamatkan diri dari bahaya kecelakaan, terutama di jalan tol. Apakah Anda butuh jasa asuransi kerusakan mobil yang terjangkau untuk melindungi kendaraan Anda? Asuransi Simas ialah pilihan jasa asuransi kendaraan terbaik untuk Anda! (DW)
BloggerBorneo.com – Selalu merasa kurang nyaman dengan kondisi penerangan di beberapa ruangan terutama kamar tidur membuat Blogger Borneo berpikir untuk mencari produk lampu apa yang bagus dan sesuai dengan keinginan. Tanpa disadari, kondisi cahaya dan pancaran lampu ruangan dapat mempengaruhi kesehatan mata kita.
Mungkin bagi generasi kelahiran 80-an termasuk Blogger Borneo sendiri, masih sempat melihat orang tua kita memasang dua lampu (lampu biasa dan lampu tidur) secara bersamaan menggunakan saklar multi. Pada kondisi penggunaan normal lampu cahaya terang yang digunakan, ketika waktu tidur maka ganti lampu tidur yang digunakan.
Philips Smart LED Connected by WiZ
Setelah sekian lama waktu berlalu, seiring perkembangan zaman dan teknologi, inovasi-inovasi baru pun semakin bermunculan sebagai bentuk dari penyempurnaan produk lama yang telah diciptakan. Khusus untuk produk lampu sendiri, ternyata Philips telah melakukannya dengan mengeluarkan seri Lampu Philips Smart LED Connected by WiZ.
Online Store Resmi Philips
Karena sudah tidak asing dengan brand ini, tanpa pikir panjang Blogger Borneo langsung membuka salah satu aplikasi belanja online yang selama ini sering digunakan untuk mencari toko online resmi Philips di Indonesia. Alhamdulillah langsung ketemu dengan link akun resmi Philips Lighting Store.
Image: Dok. Pribadi
Dari beberapa tipe produk lampu smart yang dijual, Blogger Borneo merasa cocok dengan lampu Philips Smart LED Connected by WiZ Candle 4.9W E14 Bluetooth – Color and TW (Warna). Harga per lampunya adalah Rp. 91.000,- dan Blogger Borneo membeli 2 (dua) buah untuk dipasang di Kamar Utama dan Kamar Anak.
Tidak sampai menunggu terlalu lama, 3 (tiga) hari kemudian produk yang dipesan yaitu akhirnya diterima juga. Karena merasa penasaran dan tidak sabar ingin melihat produknya, Blogger Borneo langsung melakukan unboxing sekaligus memasangnya di kamar untuk melihat pancaran sinar lampunya.
Spesifikasi dan Fitur Unggulan
Secara umum, spesifikasi Philips Smart LED Connected by WiZ Candle 4.9W E14 Bluetooth – Color and TW (Warna) adalah sebagai berikut:
Daya Listrik Terukur 4.9 Watt.
Daya Setara 40 Watt Lampu Pijar.
Suhu Warna Dapat Diatur.
Efek Cahaya/Finish Color Light.
Menggunakan Kap/Fitting E14.
Intensitas Cahaya Dapat Diredupkan.
Voltase 220 – 240 Volt.
Masa Pakai Lampu 15.000 Jam.
Masa Pakai (2,7 Jam/Hari) atau Setara 10 Tahun.
Lumens 470.
Image: Dok. Pribadi
Sedangkan untuk fiturnya sendiri, semua tipe lampu Philips Smart LED Connected by WiZ tidak membutuhkan Hub, dapat difungsikan lebih dari satu pengguna di banyak lokasi, dapat dikontrol dari mana saja, dan yang pasti keamanan terjamin.
Philips Smart LED Connected by WiZ mudah dipairing dan dikontrol dengan aplikasi WiZ. Dengan aplikasi WiZ, warna lampu Philips bisa diubah sesuka kita dengan berbagai cara.
Koneksi via Aplikasi WiZ
Sesuai namanya, Philips Smart LED Connected by WiZ dapat difungsikan dari jarak jauh menggunakan aplikasi WiZ. Ya tentu saja Anda harus memiliki jaringan internet sendiri di rumah karena koneksi lampu Philips Wiz ini menggunakan WiFi.
Image: Dok. Pribadi
Aplikasi WiZ bisa diunduh melalui link Google PlayStore dan Apple Store. Untuk dapat mengkoneksikannya juga cukup mudah, perhatikan langkah panduan cara setting Philips Smart LED Connected by WiZ adalah sebagai berikut:
Pasang lampu Philips WiZ di ruangan dimana Anda akan menggunakannya. Perhatikan fiting lampunya apakah tipe E27, E17, atau E14. Yang umum digunakan adalah E27, selain tipe ini maka harus menggunakan tipe sama atau konverter sebagai alternatif.
Posisikan ON dan kemudian instal Aplikasi WiZ dari Google Play Store atau Apple Store.
Buat terlebih dulu nama rumah yang akan dipasang di aplikasi dengan menekan tombol Join Home, kemudian tentukan ruangan (Room) dan Add Device.
Pilih Light untuk memasukkan lampu Philips Smart LED Connected by WiZ dalam daftar perangkat terpasang, pilih jenis lampunya (lihat dari gambar bentuknya).
Aplikasi kemudian akan meminta Anda untuk mengkoneksikan jaringan internet WiFi yang terpasang di rumah Anda, pastikan memilih akses 2.4G.
Selanjutnya ada dua pilihan setingan otomatis Smart 2.4G Pairing atau Manual Pairing (lebih mudah pilih setingan otomatis)
Ketika jaringan WiFi sudah terhubung, Anda akan diminta untuk mematikan dulu lampunya kemudian menghidupkannya kembali, kemudian klik Start. Butuh beberapa detik untuk proses koneksinya, klik Finish jika sudah muncul keterangan bahwa proses koneksi berhasil.
Aplikasi WiZ sudah siap digunakan dan Anda dapat mengontrol lampu Philips Smart LED Connected by WiZ sesuai kebutuhan waktu dan suasana penggunaan.
Testimoni Pribadi
Alhamdulillah pengalaman Blogger Borneo pertama kali menggunakan lampu Philips Smart LED Connected by WiZ Candle cukup puas dan cara penggunaannya sangat mudah.
Blogger Borneo merasakan sendiri bagaimana lampu pintar Philips Smart LED Connected by WiZini terasa nyaman digunakan dan aman bagi mata karena intensitas pancaran cahayanya dapat diatur dan disesuaikan dengan mudah melalui aplikasi WiZ dari jarak jauh maupun dekat.
Ketika bekerja di malam hari, Blogger Borneo bisa mengubah warnanya menjadi warna yang Blogger Borneo suka. Warna ini membuat Blogger Borneo mood tetap terjaga dan pekerjaan bisa tuntas dikerjakan. Tahu kan ya bahwa warna itu mempengaruhi mood kita. Warna cerah seperti warna ungu, membangkitkan semangat.
Anak-anak Blogger Borneo juga suka tidur dengan diterangi warna lampu yang berbeda-beda tiap malam. Tidur mereka makin lelap saat kamarnya diterangi dengan warna lampu yang mereka pilih seperti merah muda, biru atau warna orange.
Link Pembelian
Bagi kawan-kawan yang ingin mendapatkan pengalaman menggunakan smart lighting Philips Smart LED Connected by WiZ Candle untuk hidup lebih mudah dan nyaman, sama seperti apa yang Blogger Borneo rasakan langsung saja mulai rencanakan untuk mengganti semua lampu di rumah Anda dari sekarang dengan Philips Smart LED Connected by WiZ.
63% of firms presently utilize hand-operated inventory management approaches, such as spreadsheets, to accumulate this information.
However, this has been verified to be both time-consuming and unstable, bringing about a loss of efficiency, raised customer issues, and additional economic loss.
The good news is that enterprise resource preparation (ERP) systems with inventory administration capability enable firms to accumulate all of this data accurately and efficiently in one location, decreasing disruption and loss of time and cash.
Services that integrate their ERP Software with supply administration have a competitive advantage due to its many benefits, which we will certainly be exploring in this write-up.
What is ERP Supply Management?
ERP is a system that permits organizations to manage all aspects of their service on a solitary system. A stock monitoring system is a capability of ERP that offers real-time supply info to a whole organization.
This is a strong performance for companies wanting to expand, have complex supply chains, require innovative automation, sell huge amounts of products, or want to maximize their financial investments in inventory.
What are The Advantages of ERP for Stock Management?
ERP Software exceed simply handling stock amounts; they also broaden to other crucial related locations, such as the financial impact of product movement, procurement, order management and even more.
Right here are the 5 benefits that an ERP can offer organizations for their stock management requirements:
1. Complete Visibility
For most businesses, the greatest challenge to stock management is poor exposure. Exposure gaps are often because of outdated, manual approaches being used.
With data gathered throughout numerous locations, organizations can not accomplish a total sight of stock or effectively translate this information into actionable insights.
ERP lets services incorporate inventory and storage facility information and operations in one solitary solution, immediately providing supply levels, item history and important supply metrics to users across the entire organization. With this 360-degree visibility, companies can avoid costly errors and keep optimum stock levels.
2. Accurate, Real-time Projecting, Restocking, and Excess Inventory
ERP software application allows businesses to access real-time data, analytics, and stock reporting. This data assists firms in renewing supply, taking care of surplus supply efficiently and quickly, and avoiding potential disparities.
AI and BI technology can then create forecasts to assist companies in precisely anticipating demand, avoiding stockouts or excess bring expenses.
These forecast records can summarize how each item is marketing and identify procedure obstructions across several storehouses, maintaining stock degrees optimized across all business locations.
3. Greater Performance
Hand tracking supply doesn’t simply prevent presence for any service, whether large or small. It can likewise dramatically reduce effectiveness. It can pose the danger of human mistakes, resulting in loss of money and customer dissatisfaction.
By hand, getting in SKU codes, areas, and various other information throughout spreadsheets and applications can cause time loss.
With ERP, stock data is automated and routinely updated in real-time, all in one location. It allows authorized users across an enterprise to access critical information without needing to input information into numerous systems by hand.
This frees up a great deal more time and reduces human mistakes. In addition, with accurate data at any time, organizations can guarantee the right distributors, materials, and tools are in the area to stay on top of customer demand.
ERP can also automate tasks to enhance stock monitoring. For example, the system can promptly contact providers when it’s time to replenish stock.
4. Scalability
As businesses create, go into brand-new markets, and diversify their products, taking care of stock by hand can become high-risk and tough to track. When handling big amounts of supply by hand, a human mistake can cause costly ramifications.
ERP Software can help with business growth with scalable inventory administration systems to avoid errors and loss of time and money. These systems can be optimized to fit expanding companies and their evolving demands.
5. Cost Financial Savings
All the previous advantages of integrating ERP and inventory cumulate right into one basic advantage: expense savings.
Supply optimization locates the best equilibrium between demand and supply, so the expense involved in correcting errors, renewing products last minute, and wasting surplus stock is eliminated.
With optimized data, organizations can acquire funding through automated and fail-proof stock monitoring.
Enhance Stock Monitoring with Nolan Organization Solutions
At Nolan Service Solutions, we’re devoted to supplying long-lasting ERP options customized to our client’s demands. We’re the experts in supplying NetSuite and Microsoft Characteristics remedies that aid companies looking to expand.
Our team of approved ERP experts will develop, deploy, and also support your execution from beginning to finish as well as after. So, if you’re aiming to begin your ERP execution trip, we would love to support you. (GPT)
BloggerBorneo.com – Komunitas adalah sekumpulan orang yang berkumpul bersama karena minat, tujuan, atau kepentingan yang sama. Mereka bergabung untuk berbagi informasi, membantu satu sama lain, atau mencapai tujuan bersama.
Komunitas dapat terdiri dari orang-orang yang berada dalam lingkup geografis yang sama atau dapat berada di seluruh dunia dan terhubung melalui internet. Beberapa bentukan komunitas yang ada, seperti: Komunitas UMKM Kalbar, Komunitas Pengusaha Muda, dan sejenisnya.
Komunitas Pengusaha
Pengusaha adalah orang yang memulai atau mengelola bisnis untuk menghasilkan keuntungan. Mereka mengambil risiko untuk memulai bisnis baru atau memperluas bisnis yang sudah ada, dan bertanggung jawab untuk memimpin perusahaan dan membuat keputusan strategis untuk mencapai keberhasilan.
Pengusaha harus memiliki kemampuan untuk memikirkan secara kreatif, memecahkan masalah, dan beradaptasi dengan perubahan pasar. Mereka juga harus memiliki keterampilan manajemen dan pemasaran yang baik, serta memahami bagaimana mengelola keuangan perusahaan.
Beberapa orang pengusaha ini biasanya suka berkumpul untuk hanya sekedar ngopi bareng atau juga terkadang sesekali sambil sharing dan diskusi mengenai kondisi ekonomi dan iklim bisnis yang sedang dijalankan terutama setelah kondisi pandemi saat ini.
Cara Membuat Komunitas
Seperti yang telah dijelaskan sebelumnya bahwa komunitas itu terdiri atas beberapa orang, bukan mengatasnamakan satu orang. Dan tentu saja struktur organisasinya jelas, bukan one man one show. Tujuan komunitas adalah maju bersama dan menguntungkan semua anggota, bukan malah mengambil keuntungan dari memanfaatkan para anggotanya.
Berikut adalah beberapa langkah untuk membuat komunitas:
Tentukan tujuan dan visi komunitas: Pertama-tama, tentukan apa yang ingin dicapai oleh komunitas dan apa yang ingin diterima oleh anggota.
Identifikasi target audiens: Carilah orang-orang yang memiliki minat yang sama atau yang memiliki kebutuhan yang sama seperti yang Anda inginkan.
Buat nama dan logo: Buat nama dan logo yang menggambarkan tujuan dan visi komunitas Anda.
Gunakan media sosial: Buat akun media sosial dan promosikan komunitas Anda melalui posting, berbagi informasi, dan membuat diskusi.
Buat acara: Buat acara-acara yang menarik bagi anggota, seperti diskusi online, webinar, atau berkumpul bersama secara offline.
Dapatkan anggota: Carilah orang-orang yang memiliki minat yang sama dan undang mereka untuk bergabung dengan komunitas.
Pertahankan komunikasi: Pastikan untuk terus berkomunikasi dengan anggota dan memastikan mereka merasa terlibat.
Definisi UMKM
UMKM adalah singkatan dari Usaha Mikro Kecil dan Menengah. UMKM adalah bisnis dengan skala operasi dan pendapatan yang relatif kecil yang dimiliki dan dikendalikan oleh individu atau keluarga. UMKM termasuk usaha mikro, kecil, dan menengah.
UMKM memainkan peran penting dalam perekonomian nasional, karena mereka mempekerjakan banyak orang dan menyediakan sumber pendapatan bagi banyak keluarga. UMKM juga memainkan peran penting dalam pengembangan ekonomi lokal dan membantu memperluas lapangan kerja.
Usaha Mikro
Usaha Mikro adalah bisnis kecil yang mempekerjakan sedikit karyawan dan memiliki skala operasi dan pendapatan yang relatif kecil. Usaha mikro dapat berupa bisnis rumahan, warung, atau toko kecil. Mereka biasanya dimiliki dan dikendalikan oleh satu orang atau keluarga.
Tujuan utama dari usaha mikro adalah untuk menghasilkan pendapatan bagi pemilik dan mungkin juga untuk mempekerjakan beberapa orang. Usaha mikro memainkan peran penting dalam perekonomian lokal dan nasional, memberikan sumber pendapatan bagi keluarga dan membantu memperluas lapangan kerja.
Usaha Kecil
Usaha Kecil adalah bisnis yang mempekerjakan beberapa karyawan dan memiliki skala operasi dan pendapatan yang lebih besar dibandingkan usaha mikro. Usaha kecil dapat berupa toko, perusahaan kecil atau perusahaan kecil menengah (SMEs). Mereka biasanya dimiliki dan dikendalikan oleh satu orang atau kelompok orang.
Tujuan utama dari usaha kecil adalah untuk menghasilkan keuntungan dan memperluas jangkauan pasar. Usaha kecil memainkan peran penting dalam perekonomian nasional dan lokal, memberikan sumber pendapatan bagi banyak orang dan membantu memperluas lapangan kerja.
Usaha Menengah
Usaha Menengah adalah bisnis dengan skala operasi dan pendapatan yang lebih besar dibandingkan usaha kecil, tetapi lebih kecil dibandingkan perusahaan besar. Usaha menengah mempekerjakan beberapa puluh hingga ratusan karyawan dan memiliki sistem manajemen dan operasi yang lebih kompleks dibandingkan usaha kecil.
Mereka biasanya memiliki jaringan pasar yang lebih luas dan dapat menjangkau pasar nasional atau bahkan internasional. Keberhasilan usaha menengah bergantung pada faktor-faktor seperti strategi bisnis yang efektif, manajemen keuangan yang baik, dan inovasi produk dan jasa.
Bidang UMKM
Bidang usaha UMKM bervariasi dan meliputi berbagai jenis industri, seperti:
Pangan dan makanan, seperti warung makan, toko roti, atau usaha pembuatan produk pangan lainnya
Jasa, seperti jasa penyediaan tenaga kerja, jasa penataan rumah, atau jasa layanan keuangan
Kreatif dan kesenian, seperti perajutan, kerajinan tangan, atau desain grafis
Retail dan grosir, seperti toko bahan bangunan, toko pakaian, atau toko mainan
Kesehatan dan kecantikan, seperti salon kecantikan, toko obat, atau usaha perawatan kesehatan lainnya
Teknologi dan informasi, seperti perusahaan pembuatan software, jasa layanan IT, atau usaha pembuatan hardware komputer.
Ini hanya beberapa contoh bidang usaha UMKM. Ada banyak bidang usaha lain yang dapat dipilih oleh pemilik UMKM sesuai dengan minat dan keahlian masing-masing.
UMKM Naik Kelas
UMKM Naik Kelas adalah proses pertumbuhan dan peningkatan kualitas suatu usaha Mikro Kecil dan Menengah (UMKM) hingga mencapai tingkat yang lebih tinggi. Ini dapat mencakup berbagai hal, seperti:
Peningkatan skala usaha: UMKM dapat meningkatkan skala usaha dengan memperluas jaringan penjualan, menambah staf, atau menambah kapasitas produksi.
Peningkatan kualitas produk atau jasa: UMKM dapat meningkatkan kualitas produk atau jasa dengan meningkatkan metode produksi, menambah inovasi, atau memperbaiki layanan pelanggan.
Peningkatan keterampilan dan pengetahuan: UMKM dapat meningkatkan keterampilan dan pengetahuan melalui pelatihan dan pendidikan yang sesuai.
Diversifikasi bisnis: UMKM dapat menambah produk atau jasa baru untuk meningkatkan peluang sukses dan stabilitas bisnis.
Peningkatan efisiensi dan teknologi: UMKM dapat meningkatkan efisiensi bisnis dengan menggunakan teknologi terbaru dan memperbaiki proses bisnis.
Naik kelas dapat membantu UMKM menjadi lebih sukses dan kompetitif, dan membuka peluang untuk memperluas pasar dan meningkatkan pendapatan. Namun, naik kelas juga memerlukan investasi dan usaha yang konsisten dan terus-menerus dari pemilik UMKM.
UMKM Go Digital
UMKM Go Digital adalah proses migrasi dari metode bisnis tradisional ke metode bisnis yang berbasis teknologi. Ini sangat penting bagi UMKM (Usaha Mikro Kecil dan Menengah) untuk mengatasi tantangan pasar yang semakin kompetitif dan meningkatkan efisiensi bisnis.
Berikut adalah beberapa cara bagaimana UMKM dapat “Go Digital”:
Penggunaan teknologi: UMKM dapat menggunakan teknologi seperti software manajemen bisnis, aplikasi pembayaran, dan e-commerce untuk mempermudah proses bisnis dan meningkatkan efisiensi.
Online presence: UMKM dapat membuat website dan akun media sosial untuk mempromosikan produk dan jasa, membangun brand, dan menjangkau pelanggan baru.
Pemasaran digital: UMKM dapat menggunakan pemasaran digital seperti iklan online, email marketing, dan influencer marketing untuk mempromosikan produk dan jasa ke target pasar yang lebih luas.
Analisis data: UMKM dapat menggunakan analisis data untuk memahami perilaku pelanggan dan membuat keputusan bisnis yang lebih informatif.
Kolaborasi dengan mitra bisnis: UMKM dapat bekerja sama dengan mitra bisnis untuk memanfaatkan teknologi dan memperluas jaringan bisnis.
Go digital dapat membantu UMKM memperluas pasar, meningkatkan efisiensi bisnis, dan membuka peluang baru. Namun, ini juga memerlukan investasi dalam teknologi dan keterampilan baru dari pemilik UMKM.
Komunitas UMKM Kalbar
Image: Dok. Pribadi
Kalimantan Barat adalah provinsi di Indonesia yang terletak di pulau Kalimantan. UMKM merupakan bagian penting dari ekonomi provinsi ini, dengan sejumlah besar bisnis yang beroperasi di berbagai sektor, seperti pertanian, perikanan, perdagangan, dan jasa.
UMKM di Kalimantan Barat memiliki potensi untuk tumbuh dan berkembang, tetapi juga menghadapi beberapa tantangan, seperti aksesibilitas terbatas ke sumber daya dan teknologi, keterbatasan akses ke pasar, dan kurangnya dukungan pemerintah dan lembaga keuangan.
Untuk membantu UMKM di Kalimantan Barat mengatasi tantangan dan berkembang, pemerintah setempat dan lembaga lainnya dapat memberikan dukungan melalui program-program seperti:
Pendidikan dan pelatihan: memberikan pelatihan dan pendidikan bagi pemilik UMKM dan staf untuk meningkatkan keterampilan dan pengetahuan bisnis.
Akses ke sumber daya: membantu UMKM mengakses sumber daya seperti teknologi, modal, dan pasar.
Dukungan finansial: memberikan dukungan finansial melalui pinjaman dan bantuan modal untuk membiayai pengembangan bisnis.
Promosi dan pemasaran: membantu UMKM mempromosikan produk dan jasa ke pasar yang lebih luas.
Dengan dukungan dan inisiatif yang tepat dimana salah satu diantaranya dari Komunitas UMKM Kalbar, UMKM di Kalimantan Barat dapat tumbuh dan berkembang menjadi bagian penting dari ekonomi provinsi dan membantu meningkatkan kualitas hidup masyarakat setempat. (DW)
There are ways how to get out of defaulted student loans and these will be explained here. There are some steps you can take to get yourself out of the default state. Meanwhile, you will be repairing your credit score along the way. However, you need to make some action plans to get back on track.
Federal student loans will go into default after you missed 270 days of loan payment. But the private student loans typically go into default after three missed payments. There are heavy consequences of defaulting on a student loan, such as:
Additional balance due to the added interest, late fees, and collection costs.
Harm to your credit score from late payments.
Ineligibility status for any income-driven plans, even some loan forgiveness programs.
Tax refund offset, wage garnishment, and Social Security withholding.
Claim placed on your bank account or home.
Even though the government did not take any action of collecting defaulted loans during the pandemic, you still need to take action to get yourself out of that situation.
Ways to Get Out of Defaulted Student Loans
Fortunately, there are ways you can take as to how to get out of defaulted student loans. Here are the options:
1. Loan Rehabilitation
Under the rehabilitation agreement, you can get into a program based on your discretionary income. But you need to provide proof that you already made nine on-time payments in the range of 10 consecutive months.
2. Consolidation
This means you can combine one or more defaulted student loans into a new loan. Complete with a new repayment plan. The interest rate will be depending on the weighted average of loans.
3. Loan Repayment
That means you pay the full amount of the loan debt or any kind of settlement you negotiated. Sometimes the settlement amount will be less than the full amount.
4. Loan Forgiveness, Cancellation, or Discharge
This will heavily depend on your current condition which makes you unable to pay the loan. Such as a disability that keeps you from working, or any kind of similar financial situation.
IMPORTANT NOTE:
Filing for bankruptcy does not get your student loans out of default. First of all, a student loan is not dischargeable in bankruptcy. Unless you can prove that repaying them will give you hardship.
But that process will require an “adversary proceeding” in court as a bankruptcy case. Moreover, even if the debt can be discharged, the default status will remain for seven years on your credit history. So, you should think about this carefully.
Private lenders usually give a deferment or forbearance to recover from any delinquency. But not as flexible toward a default. So, you should discuss the problem you have before it can get any worse.
The lender can give you options, such as one lump-sum payment but less than what’s owed. Or, if they are flexible enough, they can offer you a new and probably lighter repayment plan.
How Long Does It Take to Get Out of Default
To answer the question how to get out of defaulted student loans, you need to see the method chosen. It will be varied for each method. Here is an example:
Loan rehabilitation can take at least nine months to complete.
Consolidation process can take up to three months.
Repaying your loan will be depending on the amount you can pay each month.
Loan forgiveness, cancellation, or discharge can take weeks but sometimes months.
Who to Contact to Get Out of Default
Usually, the loan holder will transfer the defaulted loans to a debt collection agency. You need to work together with this company to resolve the default. Depending on the type of loan you have, here is the list of contact for your information:
Federal student loans from the Education Department – contact the Default Resolution Group.
Federal Family Education Loans (FFEL) – privately held – contact the Federal Student Aid Information.
Federal Perkins Loans from the college or university – contact the school you attended.
Private student loans – contact your lender.
The best way how to get out of defaulted student loans will be to take action as soon as you think that making payments will become a problem. Or, at the moment you realized the loan defaults. The sooner you deal with it, the better the options to solve it.
The point is, with any new agreement to get out of the loan, you have to stick with it. That way, the loan will be paid and you can clear your credit history and get a good score. (DW)
Taking a loan means that you make a legal contract between you and a lender. It could be a bank or a credit union. The collateral is the car you want to buy so that if you default on your payments, the lender has the right to take away your car.
By making a loan, you will have to pay some interest to the lender. The rate will be stated upfront and sometimes it is negotiable. However, some factors can influence this loan rate, such as your credit score or the kind of car you like to buy.
The payment you make every month will go to the loan principal and cover the interest. So, by the end of the installment period, your total payment for the car will be the total of both the principal and the interest.
Example of How the Interest Work on Car Loan
To make it easier to understand, let’s take an example of a real-life situation to better demonstrate how does interest on a car loan work.
Let’s say that you want to buy a car that has a price of $32,000. Then you put a 10% down payment, which is $3,200. This means the remaining balance of $28,800 will be paid by taking a loan.
If you want to take a 60-month loan (five years), the lender gives you a 4.21% interest rate because you have a good credit score. By the end of five years, you will pay $3,187,77 in interest. Meanwhile, your monthly payment will be $533.13. So, in total, you will pay $31,987.77.
To make a comparison, let’s say you have a lower credit score, so the lender might give an interest rate of 11.33 percent. Then the monthly payment will be $630.93 each month for 60 months. By the end of five years, the total will be $37,855.92. The $9,055.92 of it is interest.
With that comparison, you will see that with the same amount of down payment and installment period, it is important to get the lowest interest rate possible. Because the total payment can make a big difference.
Factors that Influenced Interest Rate
There are several factors that the lender will look at to determine the right interest rate for you. Here is the list:
Credit score. Someone with an excellent credit score can get as low as a 3 percent interest rate while a very low credit score can reach as high as 14 percent.
Down payment. A bigger down payment can lower the interest rate. Because the lower down payment might make the lender believe that you have a higher risk of default.
Loan term. The shorter term of installment means that you will pay less interest. However, the lower term means lower monthly payment but you will pay more interest.
Type of vehicle. The interest rate for a new car is less than for a used car. Because it already depreciated, then the lender might see it as a higher risk than a new car.
Repayment schedule. This means the frequency of your payments. For example, if you pay twice a month then you will pay less interest compared to a single payment.
General car loan interest rates. This can change daily. Also, it will be depending on the type of lender, such as a commercial bank or an online lender.
How Do Lenders Calculate the Loan Interest?
So, how does interest on a car loan work, in terms of the method? There are two most common methods the lender uses to calculate loan interest. The method they use will influence the cost of the loan.
1. Simple Interest Loan
The lender calculates the interest based on the loan balance on the day of your car payment. This means the payment will be in a different amount of interest each month.
In most cases, the payment will be paid more to the interest at the beginning of the term. But toward the end, the payment will go toward the principal.
The downside with this method is that when you first start making payments, you owe more than the car is worth. This means you have negative equity.
2. Precomputed Interest Loan
How does interest on a car loan work by using this method? Turns out that the interest rate will be divided evenly over the payment term. That way, you will pay the same amount of interest each month. You will not save as much money with this method.
The Average Interest Rate for Car Loans
The average rate from commercial banks is usually around 4.85 percent for the 60-month installment for a new car. With the 72-month installment, the average interest rate is 5.19 percent. However, your personal factors such as the ones mentioned above will influence the rate as well.
So, how does interest on a car loan works? The answer is the type of car, your factors will play a huge part in determining the interest rate.
So, the key is to find the best interest rate. That means you have to go around and compare rates from a few lenders. Don’t decide without calculating it thoroughly. You can use a car loan from creditloan.com. (DW)
Available on computers and mobile phones running iOS and Android, the service has more than 83 million subscribers and a monthly average of 100 million users across all platforms. Next, you will better understand what Spotify is and how it works.
Launched in 2008 and available today in 65 countries, it is the market’s dominant stream in music. According to official data, the collection has more than 35 million songs, organized in the most varied ways in more than 2 billion playlists created by users over the years.
Spotify allows free streaming of more than 35 million songs on cell phones, computers, Internet browsers, and even video game consoles.
Do you want to buy cell phones, TVs, and other products at a discount?
How does Spotify Work?
Spotify is a service that allows you to stream audio over the internet. In short, it’s a way to enjoy music without downloading and carrying the files with you, taking up space on your device.
The downside of this approach is the reliance on internet connectivity for the service to work (subscribers can download to listen without the need for the internet, but in any case, the connection will be needed to get the file).
Unlike Netflix, Spotify can be used for free: you must associate your Facebook account with the service or create a new account with a valid email. In the free model, you can use playlists, discover content and listen to the songs available on the platform.
The big difference for the paid modality, Spotify Premium, is the absence of advertising. Free Spotify users must live with ads playing between songs, while premium subscribers don’t hear ads.
Another more subtle difference between the two access forms is how free Spotify allows users to interact with the songs. In the free mode, the platform ends up restricting how the user can consume the service: only through predefined playlists or with shuffle activated, without being able to skip several tracks in sequence.
There are also location restrictions – some types of content are not accessible for free plans in some countries.
At the Other End
Spotify pays royalties to artists who lend their music to the service’s collection. The account that establishes how much money each musician will receive can vary depending on a number of factors. In general, the calculation is based on the number of times a user hears the content.
Mathematics also considers the total number of songs heard within a given period. However, copyright issues and other factors can directly affect how much each one receives.
Discovering Music
One of the most interesting aspects of Spotify is the service’s ability to “discover” your tastes over time through artificial intelligence. So the more you use it, the more accurate Spotify becomes at suggesting new music.
Ultimately, the service could become an important source for discovering new sounds, artists, and rhythms you might not otherwise hear. To access the resource, use the “Discover” option.
Playlists are the most common way to interact with Spotify and discover its potential. All you have to do is find a bunch of songs you like in the search and add them to your list to listen to whenever you want.
You can also find playlists created by your friends to find out what they’ve been listening to. Another cool way to interact with the playlist engine is to find playlists made by artists.
Present on Cell Phones, PCs, and Even Video Games
Spotify can be used on many different devices, including smartphones, PCs (via app or browser), video game consoles, and devices like Chromecast. If the equipment has Bluetooth, it also allows you to stream music wirelessly.
Simultaneous use on more than one device may be restricted for users of the free mode.
Maximum 3333 Songs Downloaded
Spotify Premium allows the subscriber to download songs to listen to without the need for an internet connection, but it is important to remember that this feature is not the same thing as downloading an mp3 file.
Songs downloaded from Spotify only work on the app’s player and cannot be copied and played on another device. The current limit is 3,333 downloaded songs that can be synced to up to three different devices.
Sound Quality
There are three options for audio quality on Spotify: normal, with Ogg Vorbis files with a sample of 96 kb/s; high, which uses the same format but at a higher quality of 160 kbps; and the extreme one, in which the quality jumps to 320 kb/s.
The first two – normal and high – can be used by free plan participants. It is worth remembering, however, that heavier files spend more internet and device space. The 320 kb/s format, with higher quality, is reserved for subscribers.
Data Plan
According to Spotify, listening to an hour of music in normal quality requires around 50 MB. High-quality supporters use 1 GB for every 24 hours of music streaming. In turn, the extreme standard requires 1 GB every seven hours (on average).
The most economical official estimate – using the normal format of 96 kb/s, therefore – realizes that an hour of Spotify will spend around 50 MB of your data plan. With 160 kbps files, 24 hours of music translates into consumption close to 1 GB. (GPT)
BloggerBorneo.com – Pengukuran Indeks Literasi Digital 2021 dilakukan melalui survei tatap muka yang dilaksanakan pada bulan Oktober. Penentuan sampel survei menggunakan multistage random sampling dengan teknik home visit di area survei.
Total responden pada pengukuran Indeks Literasi Digital 2021 berjumlah 10.000 orang dengan Margin of Error (MoE) +/- 0,98% pada tingkat kepercayaan 95%.
Indeks Literasi Digital Indonesia
Adapun responden yang diikutkan dalam penentuan sampel adalah anggota rumah tangga berusia 13-70 tahun, serta mengakses internet dalam 3 bulan terakhir.
Secara keseluruhan, terdapat 4 Pilar Literasi Digital, yaitu Pilar Keterampilan Digital (Digital Skills), Etika Digital (Digital Ethics), Budaya Digital (Digital Culture), dan Keamanan Digital (Safety Digital).
4 Pilar Literasi Digital
Dari ke-empat pilar tersebut, di tahun 2021 ini poin untuk pilar Digital Culture mengalami peningkatan, sedangkan pilar Digital Safety masih dianggap harus mendapatkan fokus perhatian.
Pengukuran Indeks Literasi Digital Indonesia 2021 dilakukan di 34 Provinsi dengan cakupan 514 Kabupaten/Kota, Kementerian Komunikasi dan Informatika (KEMKOMINFO) bekerjasama dengan Katadata Insight Center.
Sejak program Gerakan Literasi Digital Nasional (GLDN) diresmikan Bapak Presiden Joko Widodo pada bulan Mei 2020 lalu, Pemerintah telah membuat Kerangka Indeks Literasi Digital 2021-2024.
Kerangka Indeks Literasi Digital 2021-2024 menjadi target pemerintah dalam 3 (tiga) tahun ke depan untuk dapat melihat sejauh mana program GLDN dapat memicu upaya peningkatan literasi serta membantu indentifikasi fokus dalam pengembangan digital di Indonesia.
Indeks Literasi Digital 2021 adalah sebesar 3,49 (skala 5) dimana secara nasional dan dilihat dari 4 (empat) pilar, seluruhnya berada di level sedang.
Data dan Fakta
Mengutip dari hasil survei yang dilakukan oleh KEMKOMINFO dengan Katadata Insight Center, ada beberapa hal yang menarik untuk dicermati, antara lain:
Laki-laki lebih banyak yang memiliki indeks literasi digital di atas rata-rata nasional.
Semakin muda usia, semakin banyak yang memiliki indeks literasi digital di atas rata-rata nasional.
Semakin tinggi tingkat Status Sosial Ekonomi, semakin banyak yang memiliki indeks literasi digital di atas rata-rata nasional.
Pada masyarakat dengan tingkat pendidikan tinggi lebih banyak yang memiliki indeks literasi digital di atas rata-rata nasional.
Masyarakat di wilayah urban, sedikit lebih banyak yang memiliki indeks literasi digital di atas rata-rata nasional.
Meskipun nilai indeks literasi digital masih berada di level sedang, namun dalam kenyataannya bahwa 73,7% dari populasi di Indonesia telah menggunakan internet. Angka ini diperoleh dari data Hootsuite tahun 2021.
Melihat angka pengguna internet di Indonesia tersebut, ada dua hal yang mungkin terjadi yaitu Indonesia memiliki potensi positif atau sebaliknya akan dapat menjadi bahaya yang mengancam jika penggunanya tidak memiliki kompetensi digital yang baik.
Secara umum, responden Indeks Literasi Digital 2021 menggunakan internet untuk kebutuhan komunikasi, menggunakan media sosial serta pencarian informasi. Diantara aplikasi komunikasi yang ada, Whatsapp digunakan oleh hampir seluruh responden.
Sementara untuk TikTok menjadi aplikasi yang banyak digunakan dalam setahun terakhir. Pada survei tahun 2020 pengguna TikTok masih di angka 16,7% dan pada tahun 2021 hampir mencapai 30%.
Dalam mencari informasi, media sosial paling banyak digunakan, namun televisi paling dipercaya. Selain banyak digunakan, Whatsapp dan Facebook juga paling banyak digunakan untuk menyebarkan/meneruskan informasi.
Indeks Per Provinsi Tahun 2021
Image: KataData.Co.Id
10 Provinsi Literasi Digital Terbaik
DI Yogyakarta (3,71)
Kepulauan Riau (3,68)
Kalimantan Timur (3,62)
Sumatera Barat (3,61)
Gorontalo (3,61)
Papua Barat (3,61)
Nusa Tenggara Timur (3,60)
KALIMANTAN BARAT (3,58)
Aceh (3,57)
Kalimantan Utara (3,57)
10 Provinsi Literasi Digital Terbawah
Maluku Utara (3,18)
Riau (3,35)
Papua (3,37)
Banten (3,37)
Jambi (3,41)
Sulawesi Tenggara (3,43)
Bali (3,43)
Sumatera Selatan (3,44)
Nusa Tenggara Barat (3,45)
Maluku (3,46)
Indeks Per Provinsi Tahun 2022
Di tahun 2022, beberapa provinsi masih berada di 10 besar daerah dengan indeks terbesar, seperti
Kalimantan Barat, Kalimantan Timur, dan Papua Barat. Akan tetapi di sisi lain, terjadi pergeseran
provinsi-provinsi di Pulau Jawa, seperti DKI Jakarta, Jawa Barat, Jawa Tengah, dan Jawa Timur.
Empat wilayah di Pulau Jawa menunjukkan perubahan signifikan pada tahun ini dengan berada pada posisi 10 besar provinsi yang memiliki nilai indeks terbesar di Tanah Air.
Berikut ini tabel perbandingan skor indeks literasi digital Indonesia untuk tahun 2021 dan 2022:
Sekarang bicara mengenai banyaknya informasi dan berita bohong yang beredar di media sosial, rata-rata para responden Indeks Literasi Digital 2021 menilai bahwa ini merupakan hal cukup serius karena dapat berpotensi menimbulkan keresahan serta dapat merugikan masyarakat.
Akan tetapi di satu sisi mereka masih merasa ragu untuk dapat mengenali apakah sebuah informasi atau berita itu mengandung unsur hoaks atau tidak. Apalagi jika berkaitan dengan berita politik dan kesehatan, selama ini dianggap mengandung unsur hoaks.
Sebenarnya disinilah peran serta semua pihak dari berbagai lapisan memegang peranan penting untuk dapat menekan angka penyebaran berita atau informasi hoaks di media sosial. Salah satu diantaranya adalah Relawan TIK Indonesia.
Tidak dapat dipungkiri untuk saat ini, internet telah menjadi rujukan utama dalam proses klarifikasi informasi yang diterima. Oleh karena itu, kompetensi digital menjadi sangat penting agar masyarakat tidak mudah termakan isu hoaks.
Tentang Penelitian
Survei Status Literasi Digital Indonesia 2021
Metode Survei: Wawancara Tatap Muka, Multistage Random Sampling
Periode Survei: 4 – 19 Oktober 2021
Jumlah Responden: 10.000 responden Warga Negara Indonesia yang mengakses internet berusia 13-70 tahun
Classic Solitaire Online Free Games website has hundreds of card games, word games, simulation, match 3, logic puzzles, mahjong, and most importantly free online solitaire games.
Check below games you can play at solitaire.org and you can play as much as you want, here is the list:
1. Klondike Solitaire Games
There are plenty of choices of klondike solitaire games that you can play to score your achievements. Below are some of them:
Classic Klondike: Your task is to switch versions of the game so you can choose between draw 1 and draw 3.
Cup of Tea: it is a timed card game with 10 levels in 1 draw.
Santa: Play a timed game of 9-level turn-1. The main activity is laying cards to empty columns on the tableau. Should you feel stuck or want to start over, you can always click the undo button unlimited times.
Glow: Just like Klondike, this game has a time limit and columns on the tableau that will increase as your skill gets to advance.
Secret Double Klondike: This is fun because every card on the tableau is open. Meanwhile, every other card is hidden.
You can find another selection of the Klondike series on this website and you can choose which one you like most.
2. Freecell
Freecell is one of the most popular versions of Classic Solitaire. As the core game, Freecell also has a wide range of the type. Below is the list.
Freecell Solitaire: It is a very common game like classic Freecell but you can play and compare your score with a million other players.
Freecell Duplex: You will find this game like double Freecell. It has 20 minutes of game time for every level. You will find 8 foundations and 8 free cells.
Freecell Summer Holiday: This version of Freecell has a refreshing theme of the summer holiday. While for the game, it is a single-round game with a 10-minutes limit.
Penguin: It is another version of suit-based modified Freecell with more free cells as well as a task to build a foundation from an arbitrary. You will find it in the middle of the deck.
Russian Freecell: You will find it similar to regular Freecell. The difference is this game only turns over a half number of the cards and it removes every Freecell in every round.
You can find the rest of the Freecell version on solitaire.org.
3. Spider
Spider is another popular core of Solitaire games. It is where you can play creating a royal flush on the tableau so you can remove the cards from the playing area. Below are the versions of Spider:
1 suit spider: This is a Spider game that offers a 1 suit option and allows a player to record their high score.
2 suit spider: This is a Spider game that offers 2 suit options and allows the player to record their high score.
4 suit spider: This is a Spider game that offers 4 suit options and allows the player to record their high score.
Beetle: You will find cards on the tableau that can only be moved 1 card at a time.
Jumping Spider: There are 9 columns on the tableau and 4 cards each and every other card face up. You will find cards on the tableau that can be built down and moved across in descending order across suits.
4. Pyramid
Pyramid offers ultimate fun in the Classic Solitaire series. All you need to do is to sum pairs of cards to 13, and the King card is worth 13!
5. Ace of Spades
This game is also a lot of fun because you will find each of the 10 timed levels has a unique playing field but it is a sequential run game similar to Tripeaks.
6. Crescent
You will get a large tableau so you can stack cards by suiting ascending or descending order. Players need to move the cards across to the 8 foundations.
On solitaire.org, you will find more than 6 card games above. There are hundreds of card games you can play and hundreds of versions of Classic Solitaire. Play online and free at solitaire.org and you will never get bored. (DW)
With this tool, you can check how much interest you can save by selecting several accelerated mortgage payment methods. The following is a review of the mortgage calculator with accelerated payments:
Accelerated mortgage payments mean you make extra payments on the mortgage. The point is that you can pay off the total balance faster.
There are two ways you can do it; first, you pay extra on top of your debt. For example, you have a debt of USD 2,000. USD 1,800 of which is the principal, and USD 200 is the interest.
You can pay an additional USD 600 per month on top of the USD 2,000 you have already paid. Or, you can choose to make a lump sum payment.
For example, your monthly mortgage payment is USD 2,000. When you get a bonus at work, you have an extra USD 5,000. You can use the money to make lump sum payments on your mortgage.
However, paying off your mortgage before the final maturity is an attractive option when you want to lower your monthly debt payments more quickly.
But to make that decision depends on several different factors. For example, current interest rates, monthly payments, and whether you can afford to pay the final loan amount outright.
For most people, it’s probably worth it. But you should still assess your financial situation first before doing so.
Therefore, it is important to access the mortgage calculator with accelerated payments to find out the calculation of your monthly/all-in-one payment based on certain aspects to shorten your mortgage term.
What is a Mortgage Calculator with Accelerated Payments?
When you are in a credit period, you often experience a dilemma when you suddenly have large funds. You are thinking about paying off debt as soon as possible and looking for ways to calculate accelerated mortgage repayments.
Many debtors want to reduce their burden and maximize cash flow, so they choose to pay it off as the best way. However, if you are determined, you need to use a mortgage calculator with accelerated payments.
This calculator allows you to estimate how much you will pay on a monthly mortgage. Then, you can also find out how much your payment will change if your mortgage is paid off ahead of schedule.
How to Apply The Accelerated Mortgage Payment Calculator?
To estimate payments more accurately, you can use an online accelerated mortgage payment calculator. If you want to know how to apply, here are the steps:
1. Mortgage Input
The first step is that you need to define a few parameters to run the accelerated mortgage calculator. Some of these essential parameters are:
Loan amount: your remaining balance, or when a new loan, provides the initial loan value.
Mortgage term: the original or remaining term of the loan.
Types of acceleration: there are three ways to calculate it when using a mortgage acceleration calculator. You can accelerate your payment frequency by a bi-weekly, bi-weekly mortgage, or monthly with overpayment.
Mortgage points: prepayment as a percentage of the loan amount.
Due date: the deadline when the monthly payment.
Prepayment: additional prepayment.
Additional payments: the additional amount paid in a certain payment period or your overpayment.
Interest rate: the annual interest rate.
2. Mortgage Summary
When you have determined all the parameters in the mortgage calculator with accelerated payments, you can see the results listed in the summary table.
The table will describe your payment without accelerating, terms, payoff date, total interest, and total payments.
Then, if you want to make an accelerated payment, this table will also display a similar description as the payments without an acceleration table.
So, you can check how the accelerated option will change your standard monthly payment.
3. Balances and Schedules
After that, follow the progress of the mortgage balance, which you can see in the dynamic chart and amortization table. Usually, these two are at the bottom of an accelerated mortgage payment calculator.
Unfortunately, not all calculators have this feature, even though this feature helps you in reading the summary. Therefore, try to find calculator tools that have similar features.
That’s an interesting review about the mortgage calculator with accelerated payments. By using this tool, you can estimate how much money you have to spend when you want to speed up paying off your mortgage.
Options for Remortgage
The effects of Covid-19 in the last two years have had an impact on almost all areas of life including real estate. Many property owners have to experience default because their business is losing money. Therefore one option that can be done is to do a remortgage.
Remortgage refers to the process of switching an existing mortgage to a new lender or a new mortgage product with the same lender. This is usually done to get a better interest rate, change the terms and length of the mortgage, or to access equity in the property.
Remortgaging can be a complicated process and it’s important to consider factors such as fees, early repayment charges, and the long-term impact on mortgage repayments before making a decision. (DW)
