mesothelioma law firm

Why do We have School? - Most people say we do have school and even high school to college, the reason diverse so easy to work up because of prestige (shame dong gini co ga day of school). But what is true for a multicultural society such as the Indonesian community awareness has really realized that school is important?

In fact there are many who are not in Indonesian school children. Though school is the first time a child learn to socialize formally, and learn to communicate with the new environment. In Indonesia, the will or consciousness of parents to send children still account for less, because they prefer to employ their children to support the needs of families who should be their duty.

As the quotation from wikipedia.com education is a conscious and deliberate effort to create an atmosphere of learning and the learning process so that learners are actively developing the potential for him to have the spiritual strength of religious, self-control, personality, intelligence, noble character, and skills needed him and society. Education includes teaching specific skills, and also something that can not be seen but more depth is the provision of knowledge, judgment and wisdom. One of the main base of education is to teach the culture passed down through generations.

There are two factors that affect the quality of education particularly in Indonesia - namely:

1. Internal factors, including the ranks of good education, the Department of Education, Office of Education area, and also schools that are in line depan.Dalam this case, interference from related parties is needed for education always is always maintained.
2. External factors, is a society in umumnya. Where, public education is an icon and is the purpose of the education is as an object of education.

Here are some reasons why we should schools :

1. There was no denying the present era of formal education is usually taken at school, I mean the school in general because no doubt there are certain parents who send their children at home is the term " home schooling ". School teaches us a new world that teaches us to socialize with others who are new and unfamiliar course. For the first day of school is usually crowded with new child cries.
2. School teaches us to explore science that every human being can achieve goals in life, or more precisely what is desirable and aspired from too little or at least be a man like most men who go to school.
3. School is a place that gives humans the opportunity to become more useful to the nation, or at least useful for the family because the higher the chances of a human being in school certainly got a better job.
4. Schools also educate people to humanize others, teach a man to understand and love others than himself because at school of course, we will meet with the man with the attitude and the diverse nature.

So, although the expensive school fees we still have to fight for every child to attend school in Indonesia.

Observe About This Before Select Insurance - Plans to have insurance? There are a few things you need to look at before choosing insurance.

Read all of the items listed in the insurance policy, even very small letters printed. To help you understand , do not hesitate to ask questions to your insurance agent about :

1. What are borne
If you buy health insurance, ask the types of diseases covered. Is also include critical illness? For car insurance, find out if the insurance covers comprehensive loss ( partial and total loss ) or total loss alone, including whether guarantees losses if your car is stolen.

2. Number of premiums
How much premium you pay, period of time, and claim that you get after payment term expires. If the ditawaran not suit your needs, try asking other alternatives.

3. Number of dependents
Can add others, such as children or the elderly, to your insured under the policy, and what are the benefits given to them. Or, how much charge you have to add to get the benefits you want.

4. Method of payment
Calculate the payment term, whether monthly, per semester, or yearly, and how long the period is. Ask how the method of payment, can by bank transfer, credit -debit card, or have to come and pay to the branch office.

5. Claims process
If you buy health insurance, ask if the claim is cashless or reimbursement. Also ask what documents need to be prepared to process the claim, and where you should send it.

6. Branch Office
Ask where the nearest branch in your city. It is important to make a complaint or submit a claim. Remember! Agent is the seller, not the will handle your complaint or claim.

7. Insurance and investment
Ask if the insurance offered is a combination of insurance and investment. If true, ask the insurance value calculation that you will receive when filing a claim and what media is used to invest your money.

Tips for Choosing Health Insurance Appropriately - "Do not wait until you are impoverishing disease", I think the phrase as it is much good to be obeyed. Why not, of course, because the cost of qualified medical expenses is expensive. However, if the expression says "Healthy is Expensive", I think this is less precise because it is not healthy to be expensive. For example, often eat more vegetables guarantee we will be healthy, this is much better than we always mengkonumsi fast food every day is expensive diresto. Healthy Is not it cheaper?

In spite of it all, we also need health insurance . For anyone who knows the future life later. We are now healthy, did not know about next week suddenly diagnosed with pain that would cost a lot of care. Or we are already diagnosed? But not to me. So, do not wait diseases impoverish us to forget to follow because of health insurance.

Health insurance can be a safety net when we are sick so that the hard work has not gone to pay for medical care. For that enrich yourself with the types of insurance in accordance with the expected protection.

Health insurance continues to grow, there is the cost of replacing critical illness insurance critical for the early stages of the disease, or the only guarantee of hospitalization alone.

According Tejasari, a financial planner from Tatadana Consulting, ideally everyone has health insurance, not to mention the children because of their tendency to get a bigger hospital.

"In addition to more easily hurt, the mother usually easy to worry about the health of their children. Fever usually 3 days immediately taken to the hospital," he said.


Tips on choosing the right health insurance for Us


Select the type of health insurance that is pure

Currently, many insurance options are combined simultaneously with investment, or popularly called unit-linked. However, should we choose who is pure as health insurance. Because pure health insurance premiums are cheaper and also more precise benefits.

Choose Insurance that covers the entire cost of treatment

Health insurance in Indonesia is currently replacing many claims of health costs to the number specified or agreed. Replacement level could include the cost of room, doctors, drugs, and other medical measures, the limits for each type of health service.

There is also a health insurance that only covers hospital room just so that customers still have to pay for various medical procedures and medicines. Should select to cover the entire cost because it is usually expensive and drugs act.

Room Rate Survey

Before determining the amount of the premium, we should do a survey of the price of a hospital room where we are headed when the possibility of pain later. If we wants when ill treated in the class room 1, yes only adjusted premiums. If it wanted in the VIP room, so grab a higher premium.

Critical illness insurance

• In addition to hospitalization insurance at the hospital, is now also available insurance for critical illnesses, such as heart attack, diabetes, cancer, and many more.
• Critical illness insurance is usually not to replace the cost of hospital care. This is a type of insurance policy pays for the insurance money so customers critical illness. Paid in full but after that is not covered anymore.
• Critical illness insurance is important for those who have a family history of certain diseases. For example, if a parent, grandparent, or a brother who has cancer, then we should buy this insurance just in case. Especially now tend lifestyle is not healthy.

Reimbursement or card

• Reimbursement of health care costs generally consist of two types, namely through the reimbursement system or we pay first and then changed the insurance company, or put on the card.
• Reimbursement systems are usually cheaper premiums. But we have to pay the consequences first, while the card system all been taken care of so we do not bother.
• To prevent the occurrence of unpaid claims, especially those wearing reimbursement system, we should ask the insurance agent with details, ie what are the conditions that are not covered by insurance.

Do not forget to be honest, for example if it's smoking do not say no because once we entered the hospital on the grounds that we could not pay the claim.

Reasons Why You Should Learn English - English has become a tool of communication that dominates all areas, ranging from technology, education, politics, trade, and so forth. In fact all manual book electronic devices that we have in the house must speak English, even though the medium of instruction in Indonesian language is also inserted in it.

Even like it or not English is selected as a second language in some Asian countries, namely the Philippines, Singapore, and Malaysia. English is the most common communication tool. So is it still worth if we can not speak English at all, considering that English is a global ' Lingua Franca '?

Unfortunately there are still many people who are reluctant to learn English because they feel too old to be able to master the English language . but it's never too late to learn and science, right?

To be able to master the English grammar well, of course, we need to expand the vocabulary of the English language which has become the main capital in learning this language.

Learning the vocabulary is not difficult. Anyone can learn it quickly provided that once learned, vocabulary should be used as often as possible. Vocabulary should indeed be introduced or taught since early childhood. But over time, if diligently our English vocabulary will increase.

English is an essential element that must be studied seriously today. Maybe you say that, I do not like the English language, I am not currently working in the field of English language, or activities I have nothing to do with English. There may be a thousand reasons that make you put off to learn this international language. In fact, a variety of benefit, directly or not, we can find when mastered English.

One thing you might think about that, learning English is a necessity in a modern world. We are still able to live without the English language, but there are many benefits that make our lives so much better if we learn English seriously and then master it.

Reasons Why You Should Learn English :

1. In order to enhance global understanding

English is the language of the world. if you have proficient English language correctly, then you have the opportunity in order to understand the current global conditions. At the very least, you have to understand the various terms can be foreign or clicking - exploration and understanding of the conditions that apply globally.

2. In order to enhance the employability

Inevitably, English language ability is absolutely necessary in order to support careers for our employees and for job seekers who are in the stage of looking for work. especially for the sake of a few multinational companies, English language ability you will be directly tested at final stages of the interview session.

3. In order to enhance our own language ability

Johann Wolfgang von Goethe once said: " Those who know nothing of foreign languages​​, knows nothing of their own. " Toxicity is not really limited to human language, because language is basically a way / tool in order to communicate. Arriving at the people who have the ability of qualified foreign language, usually also very good at communicating with its own language.

4. For the sake of making friends and building a network of International

You have been good at conversation in English? or you have at writing in English? So the ability to use it in order to make friends from anywhere around the world (remember that English is the language of the world) or build a network of cooperation and International business.

Actually there are many reasons and benefits you can reap when you have to be good at English. And there is no reason to procrastinate your sake. There are many sources that you can use the lessons learned for the sake of free and paid. when you are very busy and do not have the time, you still can learn on-line. Enough to capitalize computer / PC and an Internet connection, then you can have English courses on-line.

Tips to Overcoming the High Cost of Education - Education in Indonesia is still an expensive investment, it is necessary for good financial planning, if you want a good education plan for the baby should plan early education funding. Education funds could begin to think about as well prepared since the child was born to set aside part of our regular income each month or at a specified time on a regular basis.

Each turn of the parents of the school year, have been facing the problem of education costs. Especially when there are children who will go into higher education, then they should be prepared to spend more. Many parents or even children who suffer from stress when they have to get a new school for their education to a higher level. Kindergarten child must enter elementary school, then junior high school, senior high school, then to college tinggi.Selain must provide a certain amount of money as entrance fees ( and often times must be coupled with voluntary donations ), must also move most of the family money to buy textbooks and new school uniforms.

As parents, we certainly agree that education has a major role to the future of their children. So in order to get the best education, then sending their child to the highest level of education is one way that the child is able to be financially independent later. However, the current high cost of education coupled with the rising cost of education from year to year often makes parents unable to provide the education funds in times of need.

Moreover, if the question is the quality of education. Public schools today even favorite school fees do not vary much with the private schools. Moreover, with the intention that the child gets the best education international perspective, some parents are willing to send their children abroad. For those of you who never went to school abroad will remember how much the cost of living while studying there is almost as great as the cost of education itself. The experience shows that if you send children out of the country in the future, the amount you will spend much more.

Then, true education is still a luxury item? Luxury called because for most people, education is still seized enormous costs to be difficult to fulfill. Mainly by the lower-middle class with limited finances. When paired with the primary needs and the cost of living is more expensive, of course, the need for long- term educational and not too urgent become increasingly disregarded .

Load parents to prepare for such a large fund to pay children's school tuition is quite heavy if to be paid at once. Therefore, to anticipate future cost of education then one way is to prepare education funds far in advance. To prepare funding education costs, actually a lot that can be done by parents.

Broadly speaking, alternative sources of funding in the financial planning of the new school year there are 5, namely :

1. Saving money through banking services, education savings. Which is a combined form of deposits, insurance, and savings. The difference, starting with a deposit base of the big money, while education savings to pay the deposit to get a " base money " is greater. And different to regular savings, because it can not be taken prior to maturity ( like insurance and deposit ). Interestingly, although the shape education savings, but there are also secured by insurance coverage. So when the deposit is supposed to do all the time an agreement is not reached, will be borne by the guarantor, the monthly payments will continue until maturity when parents purveyor had an accident and could not continue the payments.
2. Purchase insurance products that contain elements of savings, insurance education. Form of guarantee against the risks, the benefits of using this funding source if planned right time or there is a risk that appears in the middle of the " journey ". Usually this model is used for families who have a high risk, say parents with a higher level jobs kecelakaanya.
3. Prepare themselves by way of investing. In addition to savings and insurance education then you can also prepare yourself by investing in a product other investments, such as mutual funds. You can make regular deposits of investment per month, or at the desired time.
4. Taking a short-term credit loans, although not very commonly used for educational funding sources, but some people still use it, for example as an unsecured loan products issued by banks. Credit card. Financial resources is very possible, although mungin payment will be a new issue. In addition to high interest when due, the risk level is also quite large. Pawn your valuable possessions such as gold jewelry to pawnshops, also one of the sources of financing for a variety of urgent need, such as paying school tuition. In an emergency, where there is sufficient available funds to pay for the education of children with immediately, then take out a loan to another party could be an alternative.
5. Sell ​​assets. If you have savings in the form of paper (paper assets ) such as mutual funds, stocks or other assets in the form of a form such as gold, land. Vehicle or other valuables can be considered to sell it if there is not enough cash to pay for the education of children.

Tips on Getting the Education Abroad Scholarship - Getting the opportunity to study through scholarships may be the desire of many people, especially scholarships for study abroad. Because basically, study abroad need not cost a bit especially with the high cost of living, therefore many of those who have a dream of studying abroad can obtain it for free through scholarships disediakin by various educational institutions ataupu agencies other.

Scholarship goes a long process and very competitive. Therefore you must understand and are absolutely sure you know the steps to take when applying to scholarships, as well as get to know the type of scholarship you want to follow.

According to the source, the scholarship was divided into three (3) types: first, a scholarship from an international collaboration of universities / institutions abroad for example UGM with Tokyo University, and others. Keduan, scholarships from government agencies / departments such as the Ministry of Youth and Sports, Ministry of Foreign Affairs, and others. Third, scholarships from organizations / institutions / international organizations such as DAAD, IIEF, and others.

If you look at nature, scholarship consists of two types of scholarships that are full and partial scholarships / partial. Meanwhile, according to the time period, the scholarship can be divided into three (3) types of scholarships for college long term (S1, S2, S3, and pnelitian), scholarship exchange student / students / youth (1 month - 1 year), and scholarships international events (few days to a maximum of 1 month).

With limited seats to get it, it is necessary tricks and strategies in order to win the available opportunities.

1. Maybe on Info

Due to the rotation of the scholarship only once a year, each scholarship must be prepared carefully. Take the time to hunt various scholarship information, requirements to deadline. Make a list of as many parties - parties that routinely conducts scholarship, both nationally and internationally. Read detailed requirements whether you are qualified, think fit or tidakdengan educational backgrounds and fields that you are headed for a lot of scholarships that are specific to a particular field.

Then ask directions of people who never got the scholarship. Dig engalaman them because it is important to get the scholarship application specific methods. Investigate the customs and culture of scholarship. Because the Indonesian culture we used to write letters rambling, whereas western culture usually they want a letter structured, short, and dense.

2. Complete Documents

Usually a requirement to get a scholarship is a foreign language. Most requested international scholarship international TOEFL or IELTS. Besides GPA, academic achievement beyond, as well as organizational and community service experience is also a requirement that must be met. Therefore, prepare a document - the document in advance. If requested, prepare a research proposal also like to do someday.

3. Follow the instructions Direction

Pay attention to the directions given by the committee. Make sure that you have answered all questions clearly and satisfactorily. Jagan never include incomplete information. Do not hesitate - hesitate, especially lazy to edit your application. If you need to read hard - hard to be sure about what you have written. Pick a few friends or family members to listen to reading your application. This is important so that they can help remind things that might be wrong or missed.

4. Notice Deadlines

Prepare mature and scheduled, when to ask for letters of recommendation and ask to whom, when to insert the document, and so on. Arrange so that you have enough time to fill out scholarship applications, so you can submit it on time. Application - Late applications will not be considered. Filing deadline - should be considered given the scholarship application is a competition. Noting the time limit is very useful to make the calculation time for preparation - preparation scholarship eligibility.

Know The Education System in Japan - Japan lies off the east coast of the Asian continent consisting of four main islands, namely Hokkaido, Honshu, Shikoku and Kyusyu as well as thousands of small islands adjacent. Island of Honshu is divided into five Chicho ( area ) is from northern Tohoku, Kanto, Chubu, Kinki and Chugoku. Area of ​​Japan approximately 372,000 square kilometers or approximately one-fifth of the total length + Indonesia and 2,500 km which stretches from north to south.

Plains about three -quarters of Japan consists of mountains and hills, so that the land is available to be processed and developed very limited. Japanese population numbering 130 + million people occupy a relatively narrow area. The capital of Japan is Tokyo. Japan is a region that is essentially monsoon heat is not too hot and not too cold. The division consists of emotion season (spring ) ranged approximately from March to May, Natsu (summer ) from June to August, aki (autumn ) around September - November and fuyu ( winter ) around December to February.

Shifting the season very influential on life patterns. Ranging from clothing, household items to food / drinks will be different depending on the state of the season in question. The lowest temperature can reach below 0 º C while the highest temperature of not more than 33 º -34 º C. In Japan, earthquakes are common. For the Japanese this natural event seems familiar. They also often hit by hurricanes every year Japan waft around July to September.

Education System in Japan

In principle, the education system in Japan following the pattern hierarchy similar to the one in Indonesia that is a pattern hierarchy with 6-3-3-4 system, which is six years of primary education, each of the first three years of secondary education and upper secondary education and four years high except medicine, veterinary medicine and dentists. For Japanese graduate education also follows the pattern of 2-3, which is two years for Master and three years for Doctoral Program.

In Japan there are four types of higher education, namely :
1 ). University ( Daigaku ), 4 years;
2 ). Academy of Technology ( Tank - Daigaku ), 5 years, a minimum of 167 credits;
3 ). College of Engineering ( Koto - senmon - Gakko );
4 ). Vocational schools ( Senmon - Gakko ).

University as an education center aims to organize the teaching and study of professional fields and the arts as well as provide extensive knowledge and develop the intellectual, moral and ability to practice. It is stated in article 52 of the Education Act of Japan. Implement a four -year university program referred to as the degree program. But medicine, dentistry, veterinary prerequisite educational program for six years. In principle, those who have completed the lesson at secondary school level or who have completed school for twelve years as the usual program, are qualified to apply to university.

Not all universities in Japan have had a Postgraduate Program. However some colleges graduate programs in collaboration menyelanggarankan called United Graduate Program or the Japanese language is known as Rengo Daigakuin. Graduate Program in Japan as well as in other developed countries aiming to provide education at a higher level (advanced ) on the theory and application of a field of expertise, mastered the depth of expertise and contribute to the development of culture. It is written in the article 65 of the Law of Education in Japan. Post- graduate education consists of Masters Program ( Sushi Katei ) for two years and Doctoral Programs ( Hakushi Katei ) for three years. At the Masters level ( Sushi ) was given a lecture without the lab but on the level of degree programs, tuition is generally not given anymore. Implementation of graduate education is generally done in the form of weekly seminars in each Laboratory Education ( kenyushitsu or study room literally ). An Education Lab consists of a Professor ( Kyoju ) as Chief, an Associate Professor ( Jukyoju ) and one or two Assistant ( Josyu ).

The academic year begins in April through March of the following year. Lectures are given in two semesters, the first semester ( Zenki ) lasts from March to September and the second semester ( Goki ) starts from October and ends in March. The number of days including the day of the test course in a year is 210 days or 35 weeks. Summer vacation varies depending on the college organizer, but generally begins in mid- July to late August. Winter vacation for two weeks in December and January. Spring break Approximately 40 days in March and April. Lately some universities open international program academic year begins in October. At the college entrance exam is usually not necessary. In principle, all the lectures at universities in Japan are carried out with an introductory Japanese language. The use of English as the language of instruction is only found in the graduate program in very limited quantities, which has a program internationally.

In the Master's program ( Sushi Katei ) study was administered using a material that is much more advanced, which based on the materials of the last scientific journals. At this level pratikum no longer given, but given the number of credit independent study. In addition to post-graduate courses the participants are required to attend seminars laboratories, which is often followed by a final year undergraduate student who is completing a thesis on the laboratory concerned.

At the Doctoral Program ( Hakashe Katei ) lectures are generally not needed anymore and there is the same tendency manghilangkannya main sekali. Kegiatan Doctoral program students are doing research results were published at the annual meeting to be published later in the journal Science. Some colleges require the number of publications in the Journal more than three final exams to be able to follow the Doctoral Program.

Familiar with Accident Insurance - The deadly collision Jagorawi on 9 September 2013 involved Abdul Qodir Jaelani (Dul), son of famous musician Ahmad Dhani, still leaves the issue. It was related to insurance claims filed Ahmad Dhani.

The latest news in the mass media is Ahmad Dhani lawsuit to the insurance company Prudential, the reason, the insurance company rejected the claim for compensation or insurance claims filed musician. About the hustle bustle of legal cases related to the traffic accident insurance is not something new. In general, the issue becomes prolonged due to lack of public misunderstanding of how to use their rights properly and correctly based insurance contracts that have been agreed upon.

In relation to the case of the deadly collision involving Dul, then there are at least three types of insurance associated with the compensation issue, which motor vehicle insurance, personal accident insurance, and insurance services raharja. Insurance services raharja not discussed in this paper.

Motor Vehicle Insurance motor vehicle insurance policies are sold by insurance companies in Indonesia today is a standard auto insurance policy Indonesia ( PSAKBI ). The risks are secured by PSAKBI include loss or damage to the motor vehicle and or interest insured directly caused by the collision, collision, slip or fall, the evil deeds of others, other pencurian. Insurance is legal liability to third parties and passenger / driver.

In relation to the case of the deadly collision Dul, then the passengers of public transportation including public transportation vehicles as well as passengers Mitsubishi can also get compensation, because generally PSAKBI also provide for the expansion of third -party liability and passenger / driver. However, compensation is normally limited mostly between USD 10 million - 25 million to the overall risk of legal liability.

Society needs to be a record for that insurance policy is an indemnity deed of covenant. Same with the agreement in general, then the insurance policy also includes the terms and conditions of the agreement and includes the rights and obligations of the parties which is between the insurance company and the client / insured. PSAKBI, in addition to the load or set of risks that are guaranteed, also regulate risks that are not secured or excluded.

One of the exceptions contained in PSAKBI is " this insurance does not cover loss, damage, or expense and the motor vehicle and or legal liability to third parties if : at the time of the loss or damage, motor vehicle driven by someone who does not have a license driving ( driving license) in accordance with applicable laws and regulations, driven by a person who is under the influence of alcohol, drugs or something else harmful materials.

Personal Accident Insurance

Similarly, motor vehicle insurance policy srandar Indonesia, the personal accident insurance policies sold in Indonesia are generally also standard personal accident insurance policy of Indonesia ( PSAKDI ). PSAKDI ensure the risk of death, permanent record, and the cost of care or treatment that is directly caused by an accident. The accident is an event or events that contain elements of violence, both physical and chemical arrival of sudden, unintended or planned.

Accident in this case would include traffic accidents. PSAKDI also contain clauses that govern the policy exclusion. One of the risks or things that are excluded when tertangggung violate applicable laws and regulations.

Rules and regulations referred to in this policy is certainly one of the Law No. 22 Year 2009 on Traffic and Transportation Highway. Article 77 paragraph ( 1 ) of this Act says : " Any person driving a motor vehicle on the road is required to have a driver's license in accordance with the type of motor vehicle being driven. "

Insurance Education, What is It? - Education insurance is an insurance product that is used to provide the amount of funds that can be used for children's education in the future to prepare early on.

This insurance can be regarded as an alternative ( if not exactly equal ) education savings that will pay for the education of children ranging from elementary school ( SD ) to the Higher Education ( PT ), all of which depend on the type of insurance that will be taken.

In general, insurance education is divided into two parts, namely investment and protection. Investment aims to raise funds in connection with the cost of educating a child in the future, whereas protection is aimed at protecting and ensuring children's health costs when things happen that are not desirable.

To buy education insurance is not difficult, because you can simply choose the insurance company that provides insurance product education you want, and can directly ask the details to the agent that represents where the company that you choose.

In addition, it would be wise if you can do a projection of the value of your Child education expenses that you are insured by taking into account the current cost and the average cost per - year rise.

This will greatly affect the value of the premium you will pay regular per - month or per - year, so that in time you will not be surprised if it turns out the insurance that you can not wear enough to cover the cost of your child's education in the future.

From the description above, it can be seen by naked eye that the actual level of insurance required by many people, but in practice there are many weaknesses found.

Weakness among others, are given little protection, little investment or return on investment in the insurance later in life that cause you just do not have enough money for your child's school or college.

This is unfortunate because you had to linger raise funds but then be disappointed because the funds generated far from expectations. That is why, a good financial planner and is not too suggest to use the Education fund education insurance for children. Why?

Because the insurance itself is meant for protection or protection. So if your purpose for investing means you are in a place that is less true. Invest in place and buy insurance for protection purposes only (pure insurance) separately so that you will get the maximum benefit from both.

Why Business Often Considered Insurance Fraud? - Insurance agent profession is a profession that can be useful for many people because it helps people to be aware of the need for insurance. However, today many misconceptions about insurance which is mainly caused by lack of knowledge of agents in selling insurance products and only pursue profits / bonuses, and many misleading insurance sales jargon that makes any difference in meaning between the agent and the client.

For example, in cases where the customer claims are not paid. Many of the customers who considers pain / any related disaster will be covered by insurance. Unfortunately many in the insurance policy points exceptions that are not explained and insurance agents are not read by the customer.

As a result, when customers experience a loss and do not get paid, customers think of insurance fraud. In this case it could be wrong because the customer did not read the policy, but agents should be instrumental bridge the insurance company and the customer to minimize such cases by way of explaining it properly, not simply looking for the origin of sales and commissions alone.

The second example, an agent who just chasing bonuses and profit alone that sell products that are not required by customers. The most common is the case of life insurance. Not everyone needs life insurance.

Life insurance is only required by those who became the backbone of the family / have other people who depend on their lives. A child who is still small and still cared for her parents do not need life insurance, because if the child dies, the parents will experience emotional and psychological damages, and economic loss that does not require the insurance money from the death of the child.

Cases like this one resulted in the sale of insurance products so that customers have to spend money needlessly. The responsibility of an agent is selling a product that fits the needs of customers, not sell a product with the highest commission.

The third example, the insurance jargon that much harm customers one of which is : the money back. Many agents use this as a " weapon " to get customers. Though there are a lot of terms, conditions, and provisions so that customers can get " cash back " ( premium ) is not scorched.

Disagreement between the agent and the client regarding this also causes often considered insurance fraud. In fact, if the agent explained in detail and as clearly as possible so that customers understand, it can be minimized.

As an insurance agent you need to continue to hone your knowledge not only about insurance but also your overall financial plan, so that you know what is required by the customer. Sometimes sciences such as these are not found in the training at the company, you have to be proactive and active learning outside the company for a given solution to the customer is the right solution.

Today there are many institutions and training places are trying to teach the science of the Financial Planner. There are nice but many are Abal - abalan or just give spurious science. Be careful in choosing the institution and faculty. Just learn from the world recognized institution with faculty who are experienced not only in theory but also practice as a Financial Planner.

One of the best is called IARFC institutions - Indonesia ( www.IARFCIndonesia.com ) International standard that not only teachers but also have experienced directly as a Financial Planner so that not only taught theory.

Congratulations insurance business properly.

Choosing carefully Education Insurance for Children - Insurance products are good of course that suits your needs and abilities, so do not be easily tempted by the lure and the sweet promise of the seller. And the insurance concept of education itself is basically parents who save a few dollars on a regular basis, so when it came time the child entered elementary school, for example, the parents no longer need gelagapan raise funds for the children in school, because the funds he had accumulated and managed tubes by insurance companies.

Similarly, when the children enter junior high school time and so on, the parents can also be quiet because he had been saving for their children can go to school in the desired place. And most important of this concept is that if the parent is the breadwinner suffered misfortune that he could not make a living anymore either because of illness, accident or even death, then the child will still be able to go to school when the time comes, because the provision of funds for the child to go to school already covered by insurance companies.

So with this concept, then we buy insurance, so not only pursue investment returns alone. Because of the yield -based insurance products especially unitlink not always positive, but it is likely also not as sweet as projections. Anticipate difficulties that you may not find the insurance products that fit your area, the actual banking service itself is now working closely with many insurance companies, so you can come to the customer service there and discuss the appropriate product.

Surely the product you choose should also be adjusted to your ability to pay on a regular basis. If it turns out that there is a bank branch in your area yet to sell a product that you need and also because you do not have children, then simply input your money in banking products and use the concepts outlined above without the need to determine exactly when the funds will be disbursed. If you are able to save regularly and discipline, at least you 've meet some terms of the concept of insurance education.

Indonesian Public Health Insurance - Health is a priceless treasure for someone, to have a healthy body and soul, each person will be able to perform as expected activity either by himself or others. So valuable health, it is not rare to find programs that offer health insurance for both individuals and organizations to provide assistance when human health problems both serious and mild.

For developed countries, health insurance is a mandatory program that is provided to all citizens, not only it would guarantee health in addition they also provide social security and old age. Why they can run the program as the main program in his administration. This is not because the developed countries have had with the principles of healthy whole society, then the state will be healthy both financially and patterns of thinking.

Then how with developing countries such as Indonesia. We realize, until now the state budget funds for public health insurance is still too low, even less with the other funds that are logically not a high priority in the development of the nation. Indeed, until now the government also continues to motivating people to enjoy health insurance in a fair, but it is not running optimally.

There are still many obstacles faced in the field, makes us feel sad because of the condition of public health must fend for themselves in the inability. But it may be one of the many millions of cases of health insurance in Indonesia, with access to the program or the Certificate (SKTM ) for the poor, it turns out many people who have felt the benefits.

Surely this needs support from all walks of life so that the program can run continuously and can be benefited by the poor. Although we are far different than its neighbors will guarantee their health, but the government's efforts to realize health insurance for Indonesian citizens must be fully supported.

If the current state budget funds are still not pro- health, of course, we can give false advice to the government to formulate a policy that is more concerned with the eradication of poverty. For that one key that must be executed properly is to optimize tax revenue to be channeled properly.

We are saturated with news eradication of corruption that seemed to have no end, now is the time we think about the future of this nation to not always be developing countries. With the awareness and consciousness of paying taxes, of course, we would have no hope of getting health insurance to the fullest and we certainly will not again heard of Indonesian citizens who are poor are denied by the hospital, or the hospital could run out of funds to provide health services to the community only because the government has not disbursed or late delivery to the hospital.

Health is the key to realizing all hope of this nation. With guaranteed health and increasing public awareness of the high cost of health care, surely this nation will be able to realize the ideals of the developed countries, both advanced in thought, forward in the state, and progress in well-being.