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.