How important and confidential data that we store on our computer? What if the data is accessed by others? Worries will usually appear when other people use our computer where you store important data and confidential.

Surely we are trying to hide the data so that only we knows where the data is located. We can hide by putting the files in the sub folders, put in a folder with a special code, or hiding the folder. Of these ways there are risks, we may even forget where we placed the data or maybe forgot the code.

Another alternative for protecting the data is protecting folders with passwords, so to be able to access the folder we must know the password. There are many programs to protect folders with passwords, from a paid to free. Secure Folder is a free program that can be used to protect folders in your computer.

Read the rest of this entry

For non-U.S residents who earned money from U.S based online affiliate programs, you will be asked to submit a W8 form. Don’t be frightened by this U.S government document. It is very easy to fill in the form. I’ll show you how.

W8 form or W-8BEN is the “Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding”. It is required by the U.S. based company so that they don’t need to report to the U.S. tax office about any income
paid to you.

You may download W8 form here(PDF), but normally, the affiliated company will send you a copy.

After downloaded the W8 form, we need to print it. Fill the form and submit back to the company. You may either submit by fax or mail. No email submissions.

Filling W8 form

Here, I will show you how to fill in the W8 form. The W8 form is divided into four parts.

Part I: Identification of Beneficial Owner

Fill in the following fields:
* 1. Name of Individual or organization that is the beneficial owner — Your full name.
* 2. Country of incorporation or organization — Your Country
* 3. Type of beneficial owner — tick “Individual”
* 4. Permanent residence address… — Your mailing address, with city/town, state, postal code, and country

Part II: Claim of Tax Treaty Benefits

Read the rest of this entry

What is the SWIFT Code?
The SWIFT address is an 8 or 11 alphanumeric characters long international standard uniquely identifying your financial institution. The SWIFT address is also known as BIC (=Bank Identifier Code). Usually swift code used to transfer money from bank to bank (internationally). Please contact your bank for details.

The followings are working SWIFT code for some popular banks in Indonesia as of 3 Nov 2007. Provided by http://www.swift.com/

ABN AMRO Bank: ABNAIDJA
Hagabank: HAGAIDJA
Bank Artha Graha: ARTGIDJA
Bank Bumiputera Indonesia: BUMIIDJA
Bank Mandiri (not Bank Syariah Mandiri): BEIIIDJA
Bank Niaga: BNIAIDJA
Bank Negara Indonesia (BNI): BNINIDJA
Bank Rakyat Indonesia (BRI): BRINIDJA
Bank Bukopin: BBUKIDJA
Bank Central Asia (BCA): CENAIDJA
Deutsche Bank AG: DEUTIDJA
Bank Mizuho Indonesia: MHCCIDJA
Hongkong and Shanghai Banking (HSBC): HSBCIDJA
Bank Internasional Indonesia (BII): IBBKIDJA
Bank Indonesia: INDOIDJA
Lippobank: LIPBIDJA
Bank NISP: NISPIDJA
Bank Rabobank International Indonesia: RABOIDJA
Bank Tabungan Negara (BTN): BTANIDJA
Bank UOB Indonesia: UOBBIDJA
Bank Maybank Indocorp: MBBEIDJA
Bank Chinatrust Indonesia: CTCBIDJA
Bank Sumitomo Mitsui Indonesia: SUNIIDJA
Bank OCBC Indonesia: OCBCIDJA
Bank DBS Indonesia: DBSBIDJA
Bank Mega: MEGAIDJA
Bank of China, Jakarta Branch: BKCHIDJA
Bank Syariah Mandiri (not Bank Mandiri): BSMDIDJA