House for sale near Amsterdam with office (ZZPer basis)

Working in Amsterdam or working and living in Zaandam.polderview.jpg
For people that work in Amsterdam or want to live close to Amsterdam but want to work and live in the country without loosing all the convenience of a city, Zaandam is the ultimate place. 

With a floorplan that is perfect for an office at home and the comforts of a royal nice, watershore located family home this house offers a perfect combination. 

Come see to quality of building and enjoying the marvelous view and quality of living with great views over the country.

Check ReMax Zaandam:
Serenade 31: click here

10 minutes from Amsterdam 
great house with marvelous views
Check ReMax Zaandam:
Serenade 31: click here

Peer-to-peer disruption III: Bye bye bank

After turning the music- and telephony industries upside down, peer-to-peer technologies are moving into the financial markets. The principle is simple. Accept the fact that there are two kind of people. The people that zopalogo.gifzopalogo.gifhave money and the people that need money. In the old days we would think that people at the bank are the people to turn to for money but not in the internet era. Today everybody that has money can ask for it to anybody that has it and smart internet applications form the virtual middleman.One step back before we speed ahaid. 

What do music, telephony and money have in common?
They are all stored in bits and bytes and they are distributed over the internet. By using peer-tp-peer technologies new ways of lending money are introduced and we all become our own banks.

Peer-to-peer banking big business zopalogo.gifzopalogo.gif
Back in 2005  Zopa was the first to surface on the internet. They started their lending site in the UK. The Zopa founders understood that money business is all a matter of trust, networks and computers. Zopa explains itself as: “the world’s first social finance company“. They pioneered a way for people to lend and borrow directly with each other. They thought it there mission to give people around the world the power to help themselves financially at the same time that they help others. Zopa’s makes money from charging borrowers an exchange fee of 1%. If borrowers take out repayment insurance on their loans Zopa receives commission from the insurance provider. Lenders aren’t charged by Zopa. This revolutionises the financial world as the big margins banks charge are wiped out.

zopalogo.gif   logo_prosper.gif   smava_logo.gif  booer-logo.jpg

That this was not a whimp from some idealistic programmers. In july 2007 the estimated number of peers involved in lending was 1.3 billion. Zopa has not been lonely as Prosper (US),  Smava (German) and the Dutch Boober offer like wise services. In China, well known for copying, PPDai launched in july last year. For a quick course in chinese lending figure who is having money and who aint?


P2P lending changes slightly from country to country but enters a very different market in the People’s Republic. In China personal credit ratings are virtually non-existent, making lending to strangers riskier business. PPdai therefor primarily aims to standardize and facilitate loans between family and friends, which are more common in China than personal loans from banks.

The banking world is next in line to meet innovative technologies that bring the power to the people or better take the money from the people to the people without banks in between. And the banking industry is working hard to loose it’s trust espcially with US and French banks blundering billions of dollars simply down the drain. Whow saving were in those banks.

Disruptive markets, next week the disrupted media world.

Indonesia, will stand fundamentalism due to diversity

indonesia_0106_r1.jpgWhen we mentioned that we wanted to go to Indonesia a number of people asked if it was safe to travel Indonesia? They had heard from internal disputes and the so called Bali bombings and thought that the country was ruled by fundamentalists. I’m very happy we did persue our wish to meet this fantastic country with fantastic people.

To start with the fundamentalist. Indonesia does have the largest group of islamic people in the world but they are definitely not fanatics. Indonesia has an ancient history of buddhism and hinduism. The peacefulness is deeply rooted in the genes of the people and even though islam has forced itself over the centueries into the indonesian society with a lot of violence, both buddhism and hinduism still have a strong peaceful footprint even within the current islamic indonesians.

The day we arrived in jakarta we found out that this week and next week almost the entire country is celebrating the end of the rammadan, ‘Indul fitri’.  Almost everybody is free, offices and shops are closed, at least those owned by islamic people and  people travel the country to visit their families. With a population of over 240 million people from which 50% is islamic we had expected a harsh regime where it comes to clothing and behaviour but the opposit is true. we see families with three four women, mother, teen daughters, grand mothers andwithin one family the wearing of a scarve differs. Both islamic and non islamic people live, as far as I can see in the street, in perfct harmony together. People travel together, eat together, entertain together. You constantly sense this respect even in a city as crowded as jakarta (16 million people live here).
Yesterday we visited the Burubudur. The Buddist temple was crowded with people. You recognise islamic women and there were lots of them. Funny how they celebrate the end of ramadan by visiting a buddist temple. I talked to many people and what they told me reinforced my first sensing that Indonesian people are very peaceful and will never be fundamentalist. The drop of people embrasing the islam after the bali bombings (75% down to 50%) shows that force and aggression do not work with indonesian people.

I crashed the in-flight entertainment system

Malaysian airline flies with Boeing 767. Every headrest is equipped with a small screen and your armrest holds a remote to control. In the age of individualization every passenger controls his or her own video- and radio channels, can play games, make phone calls, send e-mail and text messages and keep track of the ongoing flight information with live map projections.I love buttons and spend the first hour of our flight to explore all possibilities, i.e. I wanted but something went wrong. I still could surf the video and audio however the interactive part did not work. As the control is a combination of play station keys, tv remote and a telephone I blamed myself and started reading the F manual. But as I red all it became clear my interactive entertainment center was not working properly and I asked the flight attendant. She did not even blink and told me not to touch a single button for three minutes as she would reset the system.With planes being equipped for the overly spoiled and expecting traveler, flight attendants have gained themselves additional tasks. Next to their flight safety- and eternal smiling service tasks they have become in-flight entertainment system administrators.