How to save your electricity bill
To save on the use of electricity that you use, then you must know in advance what objects are consuming a lot of power. In addition to air conditioning, it turns out that water pumps, refrigerators, washing machines and computers consume large amounts of electricity. So don't be surprised if during WFH, your electricity bill swells. Once you know that, then you have to reduce the frequency of using the equipment. Turn off the air conditioner and lights during the day, and use them only at certain times. If you are watching TV, turn off the television when you are no longer watching it to save electricity.
Electrical power that is too large can cause a short circuit and fire, you know, friend.
Make sure your home has been covered by insurance to protect it from the risk of fire that may occur. Contact us for questions regarding home protection from fire losses.
Waste Sorting At Home: Little Act With Big Impact
•To avoid garbage piling up, you must know how to sort out the garbage at home. Besides being more comfortable, you can also keep the environment clean and flood - free. •When disposing of waste, separate organic and inorganic waste. Sort plastic, paper, tetra pack, electronics, cans, and glass waste. •For kitchen waste or food scraps, you can process organic waste into compost. •For inorganic waste, you can go to a waste management agency which now also provides pick up services. #sahabatinsurance #insurance #friends #protection #photo #ınstagood #instalike #instadaily #likeforlikes #love #instagood #salamsahabat
5 Tips for Millennial Home Buyers
As true millennials, of course you want to have a home so that you have a bright future with your family.
So if you’re a millennial looking to buy a house, here are five things you can do to make As true millennials, of course you want to have a home so that you have a bright future with your family. Here are some steps you can take to make your dream come true.
1. Check financial ability
First, prepare a balance sheet including income and expenses.
2. Create a budget
Do some research and learn about several possible ways to pay for a house other than the cash payment method. For example mortgages, or by other methods.
3. Set priorities
From an existing financial plan, make priorities so you can focus on one thing. For example, you plan to take a mortgage. So, your first focus is to fulfill the downpayment first.
Investment can help to develop assets against inflation. For example, for a house down payment, set aside 30% of your salary to the appropriate investment instrument. Over time, with consistency, the budget for a home down payment will be fulfilled properly.
Investment can also be an alternative choice for saving emergency funds. You can save this emergency fund in an instrument with a low level of risk.
In addition to an emergency fund, pay attention to insurance, if you are the head of the family. So, make sure that you have complete protection first, then execute your financial plan.
The discipline to implement a detailed and comprehensive financial plan is very important. For example, keeping your installments under 30% of your regular salary if you take a mortgage scheme is crucial.
Note that 30% includes all existing debt repayments. So, if your main intention is to buy a house, then you should focus on this plan first.
In addition, plans to buy a house require a long-term disciplined commitment. Therefore, start being disciplined in executing your financial plan. With some of the tips above, you can try to realize your dream of buying a house. Good luck!
How to Make Passport via Online
Before starting your vacation, it's a good idea to check your passport validation.
What if you need new passport for your trip?