Hard Work for Pertamina Blog Contest 2009

My contributions for Pertamina through "Kerja Keras Adalah Energi Kita" Blog Contest 2009

It seems like only yesterday that I was joined the Pertamina Blog Contest 2009 spent my energy to heralding the new slogan "Kerja Keras Adalah Energi Kita" spread the world, start in first week of December 2009. After struggling for almost full month to optimized their interests, I want to look back, track and see what I have done for this event so far.

Here's my journey details:

Pertamina want to optimize the keyword "

Kerja Keras Adalah Energi Kita

" So, I changed my programming title blog from "Free VB Tools" to "

Kerja Keras Adalah Energi Kita

".

First post article. I reviewed the Pertamina history titled "

Kerja Keras Adalah Energi Kita

". It's explain who they are, what the do and my expectations for them.

Second Article. I decided to produced a video for Pertamina, it's visualized the meaning of "

Kerja Keras Adalah Energi Kita

" in slide animation video. If a picture is worth a thousand words, then a video will worth a million words, I guess.. :)
I share this video to the top video sharing websites, so you'll find my vid available on youtube, Metacafe, Dailymotion, Myspace, Yahoo, Google Video, and else.

Third Article. I reviewed the succesful

Pertamina to export lubricants to Australia

. This achievement shows the high commitment of PT Pertamina to be a world class national company.

2009 is a Pertamina year, considered to the successful of Implementation Kerosene to LPG Conversion Program in Indonesia. You can read about this Pertamina's achievement here:

Kerosene to LPG Energy Conversion Program

.

To get more attentions, I also re-publish my articles and submit it to EzineArticles. You may visit my EzineArticles Expert Author page here: EzineArticles Expert Author: Harry Budiarto.

As you may know based on my posts, I'm just an ordinary blogger and not a perfect english writter, there's misspelled words everywhere. I apologize for the misspelled words and poor grammar but I hope I have been able to express the thoughts in my head in the words I have written. All posts related to PT Pertamina is just my personal reviews.

Need more Energy and hard work

The "

Kerja Keras Adalah Energi Kita

" Pertamina Blog Contest 2009 is getting close to the final day at Januari 5th 2010. I've been spent much times to optimize the sentences "

Kerja Keras Adalah Energi Kita

" in many possible ways, but seems my hard work (Kerja Keras) still did not enough, Google just gave me a little attentions and put my blog in number 8 in Search Engine Result.

Actually, my energy was no longer focused, my body had become weak, and my mind was a mess, and my spirit in angst, but then I found interesting quotes from Mr. Bush that said "My energy is up, my spirit is high, and I will finish strong". It's suddenly filled me with a new fresh spirit and I decided to keep moving forward, the battle is not finish yet and the trophy is still does not belong to somebody's yet.

I'll take the good side, this is my first experience in the such a SEO contest things, and I joined in this such of contest where the other contestants have skill better than me. Honestly, I'm proud could go this far and compete with others skilled blogger friends out there.

I'll salute the winners and all the participants in this event and I deeply hope that PT Pertamina will get the maximum benefits through this contest. From this event, Pertamina already got great attentions, this momentum should be keep maintain and followed with the great actions to bring the benefits for entire nation.

One last thing to remember: "With great power comes great responsibility" :)

Kerosene to LPG Energy Conversion Program

The vast majority of people in Indonesia use kerosene for all their energy requirements. Kerosene or paraffin oil is a colourless flammable liquid usually used for fuel. Kerosene is made from petroleum, it is used mainly for cooking and lighting.

Kerosene is widely used as a major subsidized fuel for household cooking (9.9 Million KL, over 60 % of 230 millions population, 4 billion USD/year). Government subsidies are used to reduce the cost of a fuel to encourage its use. These subsidies policy becomes counterproductive as they are expensive for the government and eating up significant portions of the national budget because the kerosene demand is getting increase and becomes highly subsidized, On 2008 the Kerosene subsidy estimated reach up to 7 Billion USD and tend to increase in the upcoming years.

The energy conversion is one of the Government efforts to reduce subsidized fuel consumption, The launching of energy conversion from kerosene to LPG has officially commenced the government program to convert kerosene consumption to LPG for domestic use. By the conversion, budget for subsidized fuel is expected to reduce considering that subsidy for 1 kg LPG (of 1.7 liter kerosene energy equivalent) is lower than subsidy for kerosene. In three or four years ahead, 80 % of kerosene consumption is expected to convert to LPG - current kerosene consumption reaches ±10 million KL/ year.

The Government’s kerosene conversion program has been considered a success as more than 5.3 million households across the country stopped using kerosene this year, state oil and gas company Pertamina said, the program had saved the company Rp 5.32 trillion in fuel subsidies between 2007 and 2008. Pertamina has finished 'for low-income families' program and distributed more than 1.9 million units of gas stoves and LPG cylinders. This actually represented the new slogan "Kerja Keras Adalah Energi Kita".

Up to now, the program has covered 13 provinces where 6.3 million kiloliters of subsidized kerosene has been withdrawn, while 1.9 million tons of LPG have been distributed. Pertamina managed to save on the conversion program worth Rp20 trillion, and after being deducted with conversion cost valued at Rp9.3 trillion, the net money saved on the program is Rp10.7 trillion.

Pertamina also received the most prestigious Government Award of Indonesia "Dharma Karya Energi Dan Sumber Daya Mineral Madya" for the achievement to the successfulness of the Kerosene to LPG Conversion Program. We finally found that the Pertamina's "Kerja Keras Adalah Energi Kita" takes place at the moment.

Kerosene to LPG Program Conclusion:

• LPG conversion program will dramatically change the energy landscape in Indonesia, in which LPG demand will reach 4.098.570 Mton/year in year 2010.
• By year 2010 Indonesia will import LPG a 1.782.130 Mton/year, while 2.316.440 Mton will be produced by domestic producers.
• Using LPG will save up to Rp. 100.000,- (US$ 11) per month for household consumers and create better life, faster, cleaner, and friendlier.

Download this article in PDF:
Kerja Keras Adalah Energi Kita - Indonesia Kerosene To LPG Conversion Program Success Story

Related Articles:
- Kerja Keras Adalah Energi Kita, Pertamina National Oil Company slogan
- Pertamina export lubricant to Australia
- Kerja Keras Adalah Energi kita, real-world example

Hard work is Our Energy Quotes

Kerja Keras Adalah Energi Kita

Quotes:

"Hard work without talent is a shame, but talent without hard work is a tragedy"
"

Kerja Keras

tanpa talenta adalah memalukan, Namun memiliki talenta tanpa Kerja Keras adalah tragedi"
(Robert Half)

"There is no substitute for Hard Work"
"

Kerja Keras

tak tergantikan dengan hal apapun"
(Thomas A. Edison)

"Practice does not make perfect. Only perfect practice makes perfect"
"Latihan tak membuat kita lebih baik, hanya Berlatih dengan baik mambuat kita lebih baik"
(Vince Lombardi)

"The harder you work, the harder it is to surrender"
"Semakin kau Kerja Keras, semakin sulit kau untuk menyerah"
(Vince Lombardi)

"I have not failed. I've just found 10,000 ways that won't work"
"Saya tidak gagal. Saya hanya menemukan 10.000 cara yang tidak berhasil"
(Thomas A. Edison)

"

Hard work is Our Energy

"

"Kerja Keras Adalah Energi Kita"

(Pertamina Indonesia)

Hard Work is Our Energy

Indonesia is an archipelagic country of 17,508 islands in Southeast Asia and also has very rich of various energy and mineral resources, its have given important contribution to the Indonesian economy, especially in energy sector which oil and gas is a primary source since the last 30 years.

PT PERTAMINA (PERSERO) is a State Owned oil & gas company (National Oil Company), established on December 10, 1957. With headquarters in Jl. Medan Merdeka Timur 1A, Jakarta 10110 Indonesia, the slogan "

Kerja Keras Adalah Energi Kita

" means "Hard work is Our Energy". PERTAMINA provide both the upstream and downstream sectors. The upstream sector covers oil, gas and geothermal energy exploration and production both domestically and overseas. While the downstream, PERTAMINA serving and produced commodities range from Fuel (BBM) and Non Fuel (Non BBM), LPG, LNG, petrochemicals to Lube Base oil.

PERTAMINA is involved in every stage of processing, marketing, trading and shipping the commodities to keep the quality control is on hand, to keep monitoring the distribution and resolving any and all troubleshooting issues that arise. In addition, PERTAMINA has experience with large distribution areas, having been responsible for the successful implementation of distribution to entire nation.

PERTAMINA managed by professional and skilled workers who committed to build research and development capability, the slogan "

Kerja Keras Adalah Energi Kita

" brings a fresh and innovative approach by offering outstanding customer service, increased flexibility, and greater value, thus optimizing system functionality and improving operation efficiency. The high quality leaders and workers are distinguished by their functional and technical expertise combined with their hands-on experience, thereby ensuring that the customers receive the most effective and professional services.

As one of the popular National Company, PERTAMINA also involve in build national pride and through hard work and energy already proved the quality by marketed its products to Australia, UEA, Singapore, Myanmar, Taiwan, Pakistan, Belgium, and several other countries. This shows that the quality of Pertamina are recognized by consumers worldwide and could compete with similiar products in world market.

We proud on your proven track records! Keep up the great work Pertamina! "Kerja Keras Adalah Energi Kita"

Hard Work and Practice Makes Perfect

Check this out.... and PICK ME!
Uploaded by Kerja Keras Adalah energi Kita. - Discover the latest sports and extreme videos.

Energy saving solution

Measurement of energy efficiency is the most outstanding environmental benefit, if you have any energy problems at home, industry, business, building, and institution, you may need this solution to analyze of the energy matrix.
Cepenergy Management Software for Buildings is a tool for the analysis of the Energy Matrix (Electricity, Water, Fuel), and CO2 emissions in buildings. This is a new tool for multivariable analysis which combines simultaneously all kinds of energy together with the respective utility bills to get a model and a value for the energy efficiency.

With Cepenergy Management Software for Buildings you can know how optimize your energy resources, solves your energy problems, saving and optimizing and manage the cooperation and contribution, at the Building level, to decrease the generation of greenhouse gases.

Software Details, Features & Infos:

Platform:
Windows XP, Vista, Office 2003. Personal computer with a 486 or higher microprocessor, 25 Megabytes or more of RAM, at least 100 Megabytes of available disk space.

Programming Language:
Visual Basic

Validation Process:
Data can be validated in each running. Software predicts saving money to each energy used, so results can be confronted with the decrease of spending caused of a higher energy efficiency.

Users:
Include Universities, College and k12 School Buildings, Retail, Office, Government, Commercial, Industrial and Business Buildings.

Audience:
Buildings & Energy Program Managers, Maintenance Buildings Managers, Buildings Designers, Facility Managers, Architects, Builders Engineers.

Official website:
EnergyPuzzleOut.com

Availability:
Free trial demo for 30 days. Additional information also in the Web site.

Keywords:
Energy management, energy efficiency, energy evaluation, energy simulation, energy modeling, environmental performance, sustainable development, CO2 footprint.

Hard Work Makes Tiger Woods Great

What makes Tiger Woods great?

Research indicates that the lack of natural talents is irrelevant to great success. The answer is demanding practice and hard work (hard work = "kerja keras"). There is no instant substitutes for hard work (kerjakeras) and practice, you will achieve greatness only through an enormous amount of hard work over many years. And not just any hard work, but work of a particular type that's demanding and painful.

Tiger Woods is a real-world example of what the research shows. His father introduced him to golf at 18 months and encouraged him to practice intensively for at least 15 years. Woods became the youngest-ever winner of the U.S. Amateur Championship at age 18. Also in line with the findings, he has never stopped trying to improve, devoting many hours and energy a day to conditioning and practice, even remaking his swing twice because that's what it took to get even better.

For most people, work is hard enough without pushing even harder because those extra steps are so difficult and painful they almost never get done. That's the way it must be. If great performance were easy, it wouldn't be rare. Which leads to possibly the deepest question about greatness. While experts understand an enormous amount about the behavior that produces great performance, they understand very little about where that behavior comes from.

That's a lot to focus on for the benefits of deliberate practice - and worthless without one more requirement: Do it regularly, not sporadically. Hard work is our energy (Kerjakeras adalah energi kita).

collaboration-oriented project management software

5pm is a collaboration-oriented web-based project management software from QG Software. 'Welcome' is the feeling when visiting into the official website, you'll see a big colorful funny cartoon, an eyed catching web design interface, and titled "5pm - project management, task organizer, team collaboration and time tracking software".

Yes, you're stay in one of the most valuable web-based project management software recommended. This is a great tool to help you prioritize your tasks and manage a team project or to organize your personal life virtually. 5pm offers greater security than software for your office's network, easy-to use and learn and provides many innovative features including:

• User friendly interface
• A dual panel layout
• Auto-Archiving
• Technical support with videos and blog tutorial
• Tasks tree navigation
• Private or hidden tasks
• The ability to view tasks and projects in a timeline
• Time report creation
• The ability to import data from Basecamp
• Email notifications
• The ability to upload file attachments
• The ability to import contacts from Gmail
• Auto reminder for task deadlines
• iCalendar interfacing
• The ability to send emails to create tasks
• The ability to set up a project template or task and clone it for other projects and tasks
• Search functionality
• RSS Support
• A personal dashboard for staying informed of upcoming tasks.
• Ability to upload files related to the project for all team members to view and comment on.
  

For more info, visit 5pm official website here.

Sponsored link: Kerja keras adalah energi kita

Hard Work is Our Energy

Kerja Keras ibarat Tangga dan Keberuntungan adalah Eskalator

Eskalator terkadang tak berdaya,
Namun Dalam kondisi apapun,
Hanya Tangga yang selalu dapat mambantu.

Keberuntungan mungkin membantu satu kali,
Kerja Keras yang selalu dapat membantu.
Kerja Keras Adalah Energi Kita.


Hardwork is like the stairs, Luck is like a lift.

Lift may fail sometimes.,
But whatever may be the occasion,
Stairs will always get you to the top.

Luck might help you once,
Hardwork helps always,
Hardwork is our energy.

Hard Work is Our Energy - Pertamina Video

The sentences "kerja keras adalah energi kita" seems like has becomes the most favorite topic on mind of most Indonesian blogger lately, you know why? because that could be worth of a motorbike or a brand new blackberry.

Yahh, That's what you'll get if you could processing the sentences Kerja Keras Adalah Energi Kita as a high quality keyword, post it on your blog as new topic articles, then optimize your blog, try to reach number one for that keyword in google.com search engine result and hold that position until January 5th 2010. Next, the grand jury will decide who's the winner, if you are, congrats... The prize is yours, go home, sleep tight and hold that motorbike in bed with you :D

Pertamina will make all things happen through their event titled "Kerja Keras Adalah Energi Kita Pertamina Blog Contest 2009". Read more details about these event here.

Just like other blogger friends out there, I'd love to participate, no matter that i'am just an ordinary blogger, misspelled words everywhere and poor knowledge about SEO, I decided to join to tested myself, how far I can go. And to keep survive my chance, I've made a video for Pertamina titled "Kerja Keras Adalah Energi Kita", Why video? Wiseman said; "A picture is worth a thousand words" so a video could be worth a million words :)

Enjoy watching and don't forget to feedback and rate. Thanks.

Pertamina export lubricant to Australia

"Kerja Keras Adalah Energi Kita

" is a good motto for Pertamina that has officially export the lubricant oil with high quality for the Australia auto market and industrial segment. "

kerja Keras Adalah Energi Kita

" means "

Hard Work is Our Energy

".

Launched on Friday, October 23rd, 2009 held by Director of Marketing and Commerce of Pertamina, Consul General of Indonesia, and Minister of Transportation of New South Wales, PT Pertamina through its Lubricants Business Unit has announced availability of their high-quality lubricants for the auto market and industrial segment in Australia. It allows Pertamina to market their products to the customers in Australia. Pertamina has been appointed a Country Distributors, Offshore Lubricants Pty Ltd, to distribute lubricants and serves customers. Currently, Offshore Lubricants Pty. Ltd. have been marketed the oil lubricant to the independent workshop.

Some marketed products are Prima XP, Mediteran SX, Fastron, and others brand. Pertamina is targeting sales of 3-5 containers per month for the first year and estimate 15-20 percent growth per year. Pertamina lubricants business in Australia expected to reach over 5000 KL per annum in 2015.

Pertamina lubricant with tagline X'treme Power & Protektion (XP2), are divided into 3 classes namely Premium, Gold and Silver based on the quality and adjusted with its use.
Pertamina lubricant is made from a mixture of base oil (mineral and fully synhetic) plus best additive manufactured by world-class companies such as Lubrizol, Infenium, Chevron Oronite etc., resulting in high quality lubricant from the API (Association des Constructeurs European d'Automobiles), Volvo , DaimlairChrysler, in the automotive sector, as well as certificates of Komatsu, Niigata, Caterpillar, Wartsila, etc. in industrial lubricants segment.

Australian market is very attractive to Pertamina. Australia lubricant needs around 550,000 KL / year. Initial target is the automotive segment both Top Tier and Mid Tier, the need for KL 260,000 (48% of national demand). Targeted marketing network is independent garage, pool taxi, bus / truck pool, and autoparts retailer of independent (non-chain).

In my private opinion, This is a Great Moves! With their new slogan

Kerja Keras Adalah Energ Kita

, Pertamina puts themselves in a strategic position to prove their existences and penetrate in the global market. Being known, positioning, keep the quality under control and mix with the match innovating marketing strategy will have an important impact to the brand awareness of the products and Pertamina itself.

I do believe, Pertamina has all the criteria to be a world class national company. The new motto "

Kerja Keras Adalah Energi Kita

" has represented the vision, mission and the corporate values. I deeply hope that's just the beginning and through "kerja keras" and "energi kita" there will be more movement and innovative actions in the future and bring national pride to the higher level. Pertamina Adalah Energi Kita.

Hard Work is Our Energy, Pertamina Blog Contest 2009

Announcing: Pertamina Blog Contest 2009!
Step right up with your latest and greatest Blog Contest event!

The concept:

Write a Review & Excpectation For Pertamina or review the products, then post it to your blog also don't forget to submit it to the article directory on the Pertamina Official website.
The keyword that need to optimize is "Kerja Keras Adalah Energi Kita". Pertamina then will use google.com to find out who rank best for the keyword.

" Kerja Keras Adalah Energi Kita " means " Hard Work Is Our Energy " a new motto of PT Pertamina.

Please note, do not use the keyword as your domain name and then join the contest. You just waste your time and energy because you'll be disqualified soon for doing so and will be listed on the wall of shame for sure. I listed some example below;

• www.kerja-keras-adalah-energi-kita.com, *.net, *.org, *info, etc.
  
• www.kerjakerasadalahenergikita.com, *.net, *.org, *info, etc.
• www.kerja-keras.com, *.net, *.org, *info, etc.
  
• kerjakeras.com, *.net, *.org, *info, etc.
• kerja.com, *.net, *.org, *info, etc.

So watch the rules carefully here

The contest being held from October 12, 2009 to Januari 5, 2010. The winner will be announce and win big prizes. So if you are bloggers from Indonesia and have some interesting on SEO, writing reviews, this info might be useful. Have fun and good luck!

Turn Outlook Into a Project Management Center

A Project Management Center, All From Within Outlook

Having a good Project management software is very important to the way that you conduct your your business to the next level. You can manage all your projects and ensure that all project team members are quickly updated about changing deadlines and new developments. Managing and prioritizing tasks is the main key to meeting business obligations.

Almost every business professional has a method of managing small projects and effectively collaborating with others to get the job done. Never again sticking to a paper-based project management system when several simple services can now do the job so much better.

You can find web-based project management service to help you prioritize your tasks and manage projects here, but if you are interested in getting unites all of the files, contacts, tasks, appointments and email messages about your projects together in one central location in Microsoft Outlook, then you should try MissingLink Project Management from Moore Software Solutions Inc.

With MissingLink Project Management, you can search and capture critical emails on a project-by-project basis, maintain a complete revision history of every attachment with the ability to retrieve prior versions. Yet, Outlook was never meant to be much more than an email program, With MissingLink Project Management, Outlook evolves into a full fledged project management tool, Outlook evolved beyond an Email Client into a Project Management Center.

Using Outlook for project management has never been easier, all of the information that you need to do your job comes through a single hub, and that hub is Microsoft Outlook.
With MissingLink Project Management you have the right project management tool - a powerful database of emails, contacts and files - in the right place: Microsoft Outlook.

Features and benefits

• Integrate with all you already do in Microsoft Outlook.
• Single-page overview of all the information necessary for the projects.
• Unite all of the files, contacts, email messages, and attachments related to a specific project in a single place.
• Search for critical email messages on a project-by-project basis.
• Enjoy a complete revision history of every attachment, with the ability to retrieve prior versions.
• Pick and choose what information to retain and what to delete when a project is concluded.
• Archive old project information in a flexible, searchable database system.
  

Who Needs MissingLink Project Management? You do if you've ever:

• Had to hunt through hundreds of email messages in your inbox to pull together all of the information you needed for a project.
• Experienced confusion over a version or revision of a file that has gotten lost in your Outlook inbox.
• Used other project management software, but ended up importing most of your data from Outlook anyways.

The Best Online Project Management Software Review

This review aims to make you acquainted with Online Project Management Software - a simple and powerful tool to collaborate on a team project or to organize your personal life virtually.
You can try-to-use them for free as all project applications mentioned below are also offering free accounts, you have options to find the best application that fit your need with no obligations, more than that, since they are web-based applications, you can start manage projects, create new tasks and organize to-do list from your own computer anytime.

Here's the list (in alphabetical order) :

Basecamp

• Task-centric interface. Keep focus on tasks at hand.
• Milestones all projects organized by date.
• The main dashboard shows all the upcoming tasks.
• Online message board associated with every project to all internal team project.
• Assign individual items to any of the team members or everyone with to-do lists.
• Wiki-style Writeboards for collaborative writing.
• Web-based instant messaging tool to chat the group.
• Free account with unlimited users for one project.
• Need to upgrade ($12/month) to add more projects and add documents and other files features.

Co-op

• Twitter style interface to track updates from everyone in the team.
• Team members can post anything in their status updates and it is visible to the entire team.
• Includes built-in time tracking from Harvest.

DeskAway

• Best recommended for graphs and reports tracking projects option.
• Supports tasks, milestones, calendar, time sheets and file sharing.
• Send mail to all members of the project inside DeskAway itself.
• Detailed reports and graphs information about completed, overdue, and upcoming deadlines.
• Graphs details showing your overall progress on various projects.
• Create an internal blog with DeskAway for team members.
• Free account for up to 3 active projects, 5 users, and 25MB of file storage.
• Upgrade starting at $10/month for accounts.
• Manage tasks via email, including additional users, more storage space and deskmail (Upgrade features).

Goplan

• Task-orientated project management tool; discussion board, calendar, document storage, timesheets, tasks and ticket.
• Easily track the time you spend on different tasks, automatic timesheet recorded.
• Attach documents and other files to the project.
• Add tickets to the project by simple emailing a note to a specific email address.
• The free plan provides 3 projects for 2 users, and 100Mb of online storage space for files.
• Upgrades are available starting at $10/month for additional projects, users, and storage.

Harvest

• Best recommended for freelancer.
• Easily track time spent on a task using the web interface or through dedicated desktop widgets available for Mac and PC.
• Time tracking and other project management features integrated with Basecamp.
• Tracking time spent on a project, produce invoice for clients and other expenses.
• The invoice dashboard keeps track of all open, past due, and recently paid invoices, once it's created.
• Free account for one user with up to 2 projects, 4 clients, and unlimited invoicing.
• Upgrades with unlimited projects and additional users and features starting at $12/month.

Soshiku

• Completely free (supported by ads).
• Best recommended for high school and college students.
• Keep track of all pending assignments and other school work.
• Shows due date all of the assignments and upcoming events for the full week.
• Invite partners and collaborate on class assignments within Soshiku itself.
• Attach files up to 50 MB in size with assignments.
  

Zoho Projects

• Best recommended if you already familiar with Microsoft Project.
• Import files feature, from Microsoft Project into Zoho Projects.
• Desktop to web based applications switching easily.
• Log into Zoho Projects using your existing Google Account or Yahoo! credentials.
• Integrated with Google Docs. Attach documents with your projects that are already on Google Docs.
• Available to track milestones, tasks, etc. in Google Calendar or even Outlook with iCal feed.
• Add tasks and milestones to a project and communicate with your team through wikis, built-in chat, and forums (or message board).
• Each forum has a unique email address so you can post replies to forums posts via a simple email message.
• The free version can only create a single project with 1 wiki and 100 MB of file storage.
• The premium version offers support for timesheets, invoices and additional projects at $12/month.

Mortgage Calculator in Excel

Rather than have to develop a function from scratch, you can use pre-built ones to do a plethora of tasks like Building your own Mortgage Calculator. This is 0ne of the really cool parts aspects of Microsoft Excel has created for you. As many Financial Functions available, The Mortgage Calculator or PMT function is just one of them that you can use.

Ok, Let's start... The first thing we have to do is setting up a few basic headings. Creat a new workbook and clicking in the first cell A1. Enter into cell address A1 the heading - Monthly Loan Repayments. Next off, enter into cell address A2 - Amount of Loan, cell address A3 - Interest Rate, cell address A4 - Length of Loan and then in A6 - Monthly Repayment.

In example mortgage calculator, we will take the Loan Amount, Interest Rate and Length of Loan and calculate your Monthly Repayment. Okay so in the corresponding field B1 enter the value of $200,000 and make sure you format the field as a currency. In cell B2 enter a value of 9.25% and format the field as a percentage and then finally enter in a value for the Length of the Loan as 25. The value you enter into the Length of the Loan field is in years.

Now its time to create the formula that will do your calculation for the Monthly Repayment. The function we will use for this calculation is called the PMT function. The PMT function always returns a negative number so one of the things we will need to do is to convert it into a positive number, but a little on that later.

There are three arguments we will use for this formula and they are -

= PMT(Monthly Interest Rate, Number of Payments, Amount Borrowed)

So to work out the Monthly Interest Rate we simply take the value in B3 and divide it by 12 - B3/12. The PMT function works on the basic of the number of payments you are going to make, so if we are going to make monthly payments on our mortgage we simply take the number of years in cell B4 and multiply it by 12 - B4 *12.

This means that to calculate the Monthly Repayment for our mortgage we need to enter the following formula -

= PMT(B3/12, B4*12, B2)

Now as I said before, the PMT function always returns a negative value, so to turn this into a positive value we simply type the PMT function with the Absolute Function encapsulating it as shown below -

= ABS(PMT(B3/12,B4*12,B2))

Simply type the formula above into the cell B6 and press the enter key. You must now format the cell address B6 as a currency and you can do that by simply pressing the Dollar Symbol on the Formatting Toolbar. As soon as you enter the formula and press enter you should get a result of $1712.76. If you do not get this answer, simply go back and make sure that you have entered the formula correctly.

The cool part about this Mortgage Calculator is that you can go back and change any one of the values in B2, B3 and B4 which are the Loan Amount, Interest Rate and Length of Loan to work out what your monthly mortgage repayments will be.

The cool part about this simple tool is that it tells you really quickly whether borrowing massive amounts from the bank is worth it and whether you can really afford that mortgage. Why not check out what your repayments will be if your interest rate went up by 2 or 3%, it can be really interesting to see the impact on your budget.

Simple tools like this can save you thousands of dollars and can also help you see what changes interest rates will have on your own budget. It is certainly worthwhile building yourself a Budgeting Spreadsheet and the mortgage calculator to work out just what you really can afford especially in these uncertain times.