Efrata Denny

Personal Blog contains Wines, Foods, Traveling, and Photography

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Christmas Season

Posted by efratadenny on 3 January 2013
Posted in: Photography, Still Life. Tagged: Christmas Tree, Photography, Photos, Still Life. 4 Comments

Christmas is over. But I still can feel Christmas season in my house every time I saw my christmas tree. I will repack them and put them in my garage soon. Let me take a photo of them again.

Christmas Tree Christmas Tree

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Baru Kenal Bank Mandiri

Posted by efratadenny on 2 January 2013
Posted in: Collection. Tagged: Bank Mandiri, Blogkontes Mandiri, Mandiri Kartu Kredit, Mandiri KPR, Mandiri KTA, Mandiri Tabungan, Mandiri Tabungan Rencana. 4 Comments

Saya baru berkenalan dengan Bank Mandiri sejak tahun 1999. Saat itu saya masih kuliah di Bandung. Masih ingat saat itu memang sedang reformasi dan demo besar-besaran di tahun 1998. Bank Mandiri sediri baru muncul dari hasil merger 4 bank besar yaitu Bank Bumi Daya (BBD), Bank Dagang Negara (BDN), Bank Expor Impor (Exim), dan Bank Pembangunan Indonesia (Bapindo). Saat itu saya sudah menggunakan bank swasta lain. Namun karena pembayaran biaya semesteran kuliah menggunakan Bank Mandiri, maka saya pun membuka tabungan di Bank Mandiri. Mulai saat itu saya mulai mengenal Mandiri Tabungan. Sebagai mahasiswa, saya tidak lagi mengelola uang jajan harian seperti saat masih sekolah. Uang yang saya dapat dari orang tua cukup untuk hidup setahun termasuk biaya kuliah dan biaya hidup. Saya yang sering main ke kantin kampus selalu melewati kantor cabang pembantu bank mandiri yang letaknya di samping koperasi kampus. Sering melewati, saya jadi suka melihat persentase bunga Mandiri Tabungan dan Mandiri Deposito. Sejak itu saya mulai mengenal Mandiri Deposito. Lumayan juga bunga deposito waktu itu saat dibandingkan sekarang. Keuntungan bunganya saya gunakan untuk bayar telepon umum di koperasi kampus. Lucu juga saat itu. Jadi keinginan untuk melepas rindu dengan keluarga dan biaya pacaran sebagian dibayar oleh Bank Mandiri.

Lulus kuliah, saya bekerja dan mulai berkenalan dengan Mandiri Kartu Kredit. Bukan maksudnya untuk berhutang, tapi untuk cash flow juga. Kalau sistem penggantian uang kantor kan reimbursement alias diganti setelah kita bayar. Proses reimburse sendiri paling cepat seminggu baru diganti uang kita. Dengan Mandiri Kartu Kredit yang jatuh temponya sebulan kemudian, cash flow jadi sedikit tertolong lah. Jadi setelah keinginan saya untuk dibiayai oleh Bank Mandiri semakin dipenuhi dan bertambah saja. Dulu saya harus menunggu bunga deposito dalam jangka waktu tertentu. Dengan Mandiri Kartu Kredit, setiap saat saya belanja menggunakan Mandiri Kartu Kredit berarti semua transaksi dibayarkan oleh Bank Mandiri sampai dengan jatuh tempo. Setelah itu jangan lupa bayar tagihan saja. 🙂

Begitulah perkenalan saya dengan Bank Mandiri. Tak kenal maka tak sayang. Berkat kontes blog ini, sekarang mulai melihat informasi mengenai Mandiri KTA, Mandiri KPR, dan Mandiri Tabungan Rencana. Setelah saya baca-baca mengenai Mandiri KTA, lumayan juga ternyata Mandiri KTA bisa memberikan pinjaman sampai dengan Rp 200 juta. Pinjaman itu tanpa agunan dan plus asuransi pula. Wow. Kemudian saya baca lagi mengenai Mandiri KPR yang bisa sampai dengan cicilan 15 tahun. Dan yang tidak lupa digaris bawahi yaitu suku bunganya pun bisa kompetitif. Dua kali wow deh. Kemudian yang lebih menarik adalah Mandiri Tabungan Rencana yang memberikan kebebasan menabung dengan bonus Asuransi. Fasilitas yang menarik dari Mandiri Tabungan Rencana ini ditambah lagi dengan konsultasi gratis bersama customer service profesional Bank Mandiri. Nah, kapan lagi kita bisa punya private financial planner. Wow wow wow. Tiga kali wow deh. Jadi sebenarnya apapun keinginan kita, pergilah ke Bank Mandiri. Mereka punya banyak fitur fasilitas yang dapat membantu kita untuk membuat hidup kita lebih enak dan membantu kita mewujudkan cita-cita kita.

Saya sendiri jadi ingin lebih kenal lagi dengan Bank Mandiri. Bagaimana dengan kamu? Berikut ada link video berisi iklan tv Mandiri Corporate dengan judul Life in Mandiri yang lumayan informatif mengenai Bank Mandiri di http://youtu.be/y5UicfHy3g0

N.B. This post is written in Bahasa Indonesia for blog contest. Wish me luck to win this contest 🙂

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Treadmill in the Morning

Posted by efratadenny on 2 January 2013
Posted in: Photography. Tagged: Morning, Photography, Photos, Treadmill. 4 Comments

Good Morning 2013. Treadmill was a good start to begin my day before shower and breakfast. However, before treadmill, lets take a photo.

Threadmill

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Happy New Year 2013

Posted by efratadenny on 1 January 2013
Posted in: Bandung, Indonesia, Photography. Tagged: 2013, Bandung, Fireworks, Indonesia, New Year, Photography, Photos. 13 Comments

Happy New Year 2013 from Bandung Indonesia. Wish you have a wonderful year ahead. Below are pictures of fireworks above my house. A little bit rainy here but there were no reason to hold fireworks.

Fireworks 2 Firework 1

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2012 in review

Posted by efratadenny on 31 December 2012
Posted in: Collection. Tagged: 2012. 6 Comments

The WordPress.com stats helper monkeys prepared a 2012 annual report for this blog.

Here’s an excerpt:

4,329 films were submitted to the 2012 Cannes Film Festival. This blog had 24,000 views in 2012. If each view were a film, this blog would power 6 Film Festivals

Click here to see the complete report.

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