Education in Indonesia

Education in Indonesia is a whole education held in Indonesia, whether it is structured or unstructured. Structured, education in Indonesia has become the responsibility of the Ministry of Education and Culture of the Republic of Indonesia (Kemdikbud), formerly named the Republic of Indonesia Ministry of National Education (MONE). In Indonesia, all residents are required to follow the program compulsory education for nine years, six years in elementary school / madrasah and three years in junior high school / madrasah tsanawiyah. Currently, education in Indonesia is regulated by Law No. 20 Year 2003 on National Education System. 

Law of the Republic of Indonesia Number 20 Year 2003 

Education in Indonesia is divided into three main lines, namely the formal, non-formal, and informal. Education is also divided into four levels, namely early childhood, elementary, middle, and high. 

history

The Netherlands introduced a formal system for population-Dutch East Indies (forerunner of Indonesia), although limited to certain circles is limited. They introduce a system that is roughly the same as the existing structure, with levels as follows: 

Europeesche Lagere School (ELS), elementary school for Europeans 

Hollandsch-Inlandsche School (HIS), elementary school for indigenous 

Meer Uitgebreid Lager Onderwijs (MULO), junior high school 

Of the General Middelbare School (AMS), high school 

Since 1930, the Netherlands introduced a limited formal education for almost all the provinces in the Netherlands East Indies. 

ladder 

Qualification stage of education is defined by the level of development of learners, the objectives to be achieved, and the capabilities developed.

Early childhood education 

Referring to Law No. 20 of 2003, Article 1 Point 14 of the National Education System, Early childhood education (ECD) is a development effort that is intended for children from birth to the age of six years are done through the provision of educational stimulation to assist the growth and physical and spiritual development of the child to have the readiness to enter further education. 

primary education 

Primary education is the beginning of education for 9 (nine) is elementary school (SD) for 6 years and Junior High School (SMP) for 3 years. Primary education is compulsory program. 

secondary education 

Secondary education is secondary education basic education, ie High School (SMA) for 3-year travel time education.

higher education 

Higher education is education after secondary education program that includes education diploma, bachelor, master, doctoral, and specialists are organized by the college. 

educational pathways 

Pathways through which education is a vehicle for learners to develop their own potential in the education process in accordance with the purpose of education. 

Education forma 

Formal education is an education that is held in schools in general. This educational path has a clear educational levels, ranging from primary education, secondary education, to higher education. 

non-formal education 

Most numerous non-formal education at an early age, as well as basic education, is a landfill, or Quran Education Park, which is widely available in every mosque and Sunday school, which is contained in all the churches. 

In addition, there are also a variety of courses, including music lessons, tutoring and so on.

informal education 

Informal education is the family education and environmental pathways independent learning activities form a conscious and responsible. 

type 

Type of education is based on the specificity of group education goals an educational unit.

general education 

Public education is the primary and secondary education that promotes the expansion of the knowledge required by learners to continue their education to a higher level. The shape: elementary school (SD), junior high school (SMP), and high school (SMA). 

vocational education 

Vocational education is secondary education that prepares students primarily for work in a particular field. Form of education unit is vocational schools (SMK), vocational schools have a wide range of specialized expertise.

academic education 

Academic Education is a higher education undergraduate and graduate programs are directed primarily to the mastery of a particular discipline of science. 

professional education 

Professional education is higher education after an undergraduate program that prepares students to enter a profession or be a professional. 

vocational education 

Vocational education is higher education that prepares learners to have a job with a certain maximum applied skills in diploma level 4 equivalent degree program (stratum 1).

religious education 

Religious education is a primary, secondary, and higher that prepares students to be able to run a demanding role mastery of the knowledge and experience of religious teachings and / or be a theologian. 

special education 

Special Education is to provide education for learners with special needs or students who have extraordinary intelligence held inclusively (join the regular school) or a special education unit at the level of primary and secondary education (in the form of special schools / SLB).

Overcoming Pneumococcal Disease In Children

Pneumococcal disease in children can be cured with traditional medicine using herbal medicine jelly-g gold gamat that have proven effective in treating various diseases, including inflammatory diseases. This medicine is made from natural ingredients that is the best sea cucumber sea, and processed in a modern without losing naturalness, and without any mixture of chemicals that harm the health of the body anda.Simak more and I hope this article can help you answer all of your questions, as to how and what the cure for pneumonia.

Pneumococcal disease in children

Inflammatory disease of the lungs (pneumonia) is a disease that occurs where the pulmonary alveoli are responsible for absorbing oxygen from the atmosphere become inflamed and filled with fluid. Pneumonia can be caused by several causes including infection by bacteria, viruses, virus, fungus, or parasite (parasite), usually by the bacterium Streptococcus pneumoniae and Mycoplasma. This disease can also be caused by the pain of chemicals or physical injury to the lungs or as a result of other diseases, such as lung cancer, or excessive alcohol.

Pneumonia is also an acute respiratory tract infection in the lower part. The cause of infection of the two lungs caused by bacteria, viruses, fungi, or parasites.

According to data from the department of health, the disease is responsible for more than 24% of infant deaths. So, do not underestimate air pollution in the form of smoke, exhaust fumes, damp homes and unhealthy environment. Such environmental disturbance can trigger pneumonia in children. When the immune system is weak, the children most susceptible to this disease.

The cause of pneumonia in children:

- Immune deficiencies in children

- Trauma to the lungs

- anesthesia

- Treatment with antibiotics is not perfect

- Essential respiratory viruses

- The influenza virus

- Adenovirus

How microorganisms into the lungs, through:

- Inhalation, microorganisms from contaminated air

- The flow of blood from an infection in other organs

- Migration (displacement) directly from infectious organisms near the lungs

Symptoms of Pneumococcal Disease:

- Cough with phlegm, sputum such as mucus, greenish or like pus

- Chest pain, sharp or blunt and can be intensified if the patient took a deep breath or cough

- shiver

- Fever is easy to feel tired

- Shortness of breath

- Headache

- Decreased appetite

- Nausea and vomiting

- Feel unwell

- The rigidity of joints

- Muscle rigidity

Other symptoms that may be caused by:

- Moist skin

- Coughing up blood

- Rapid breathing

- Anxiety, stress, tension

- Abdominal pain

How To Prevent Child Protected from Pneumococcal:

1. Pay attention to your child's growth. when to come for a visit to the pediatrician.

2. follow the immunization schedule. ask your pediatrician when to be given a vaccine to prevent pneumonia.

3. avoid the baby from the people who have the flu, colds, fever sneezing or coughing. if the parents are sick, do not sleep with the baby's room, use a mask to prevent the baby from contracting.

4. if the baby has been exposed to pneumonia, to maintain personal hygiene, and environmental intake, if not feeling well / fever do not give food cold / ice, chocolate and nuts, coconut milk and also avoid fried-fried.

5. always provide febrifuge children at home

6. take care hygiene Ac, If using a fan is not directly directed at the baby's body or reflected into the wall. Because dust can fly everywhere.

How to Cope with Lung Cancer with natural medicine?

Lung cancer can be treated with herbal treatment. Proven to cure serious diseases including lung cancer. because these drugs are made from natural ingredients without chemicals and other dyes are made ​​dati soursop leaf and mangosteen peel believe that in nutritional health.

  

Lung cancer is the growth of cancer cells that are not controlled in the lung tissue. The pathogenesis of lung cancer has not been completely understood. Looks like bronchial mucosal cells undergo metaplastic change in response to chronic exposure to inhaled particles and injured lungs.

Lung cancer can be caused by smoking and also as a result of exposure to cigarette smoke. The more cigarettes smoked, the greater the chances of developing lung cancer. Smoking is believed to damage the cells lining the lungs. When cigarette smoke is full of carcinogens (cancer causing substances), changes in lung tissue was immediately started.

At first your body may be able to repair this damage, but when it happens repeatedly, the normal cells that line the lungs even longer will experience increasingly severe damage and causes the cells to act abnormally, at this phase any cancer can develop.

Infectious Symptoms of Lung Cancer

- Continuous cough or become great

- Bloody sputum, change colors and more

- Shortness of breath and even asthma

- Chest pain that does not go away

- Raspy and hoarse voice

- Swelling of the neck and face

- Chronic Fatigue

- Quickly angry and offended

- Fingertip thickened

- Drastic weight loss

Symptoms of lung cancer should be prevented from becoming a high stage and more difficult to cure. However, the cancer is a dangerous disease is there are a variety of other symptoms that do not appear to be real and could be an early symptom of lung cancer.

Efficacy of mangosteen peel extract and leaf extract of soursop

In the mangosteen rind extract contained xanthones substance, this substance has a very high content of antioxidants that can ward off free radicals and neutralize free radicals in the body and will be disposed of free radicals in the body and the body will be free of free radicals that can cause a variety of chronic diseases such as coronary heart disease occur, hypertension, renal failure and cancer, in addition to free radicals xanthones substance also contains antioxidants able to cope with chemical or radiation exposure commonly called carcinogens.

While soursop leaf extract contains compounds aceotegenins, this compound is an anti-cancer compound that can attack and destroy cancer cells along with the cancer cell's energy source (ATP). The benefits of this Acetogenins compounds already examined by the national institue canceer and of the results of these studies Acetogenins unknown that compounds contained in soursop leaves is capable of destroying cancer cells and cancer cell energy source with the power of 10,000 times stronger in comparison with chemotherapy.

It is proved that the efficacy of nature is much more effective and safe in overcoming lung cancer compared with chemotherapy or other chemical drugs. Chemotherapy can cause side effects that are bad for health such as nausea, vomiting, hair loss, baldness and even difficult to have children because of the reproductive organs in human cells will also be destroyed in the process of chemotherapy.

Tampa Auto Accident Attorney & Auto Accident Lawyers In Tampa, Florida

The experience of a Tampa auto accident attorneycaused by the negligence of a distracted driver can drastically change your life. If you or a loved one have been injured in a car accident, it is crucial to contact a auto accident attorney as soon as possible. Although circumstances differ for every case, many car accidents can lead to medical expenses, emotional trauma and the inability to work. An experienced attorney can help you receive the compensation and justice you deserve for the damages incurred by a car accident.

In this day and age, it is no secret that the roadways can be dangerous. Drivers are distracted by cell phones, drinking and driving is prevalent and hit and run accidents occur far too often. Unfortunately many of these car accidents can have a long term effect on one’s physical condition.

Common Tampa auto accident injuries include:

• Spinal Cord Injury – Damage to the sensory and motor function of the spinal cord which can lead to paralysis.

• Traumatic Brain Injury – Occurs when an external force causes damage, short or long term, to the brain’s function.

• Whiplash- A neck injury caused by flexion or hyperextension.

While you focus on recovery, an attorney can also assist in dealing with your insurance company, which is often the most complex aspect of a car accident claim. Insured drivers rightfully expect their provider to cover policy limits. However, many times, the insurer is not willing to give a client the appropriate compensation.

Experienced personal injury attorneys who have handled many Tampa car accident claims are prepared to fight insurance companies who attempt to take advantage of their clients.

Lawyers are equipped with experts in the following fields:

• Medical

• Forensics

• Life care

• Psychology

• Car accident reconstruction

Although they happen often, many car accident claims need to be handled by a professional with experience in this area of law. If you, or a loved one, have been injured or are dealing with a negligent insurance company, please don’t hesitate to contact an Tampa auto accident attorney who can help you receive the justice you deserve.

source : autoaccidentattorneyinfo.com

Drunk Driving

According to MADD, drunk driving accidents cost U.S. citizens a staggering $132 billion every year. While this may seem like a very large figure, the rate of drunk driving accidents that occur in the U.S. is equally daunting. Statistics indicate that 9,878 people were killed in drunk driving accidents in 2011 alone. That is one person every 53 minutes. Furthermore, 350,000 people were injured in alcohol related accidents. That is one person every 90 seconds.

Fortunately, there are many groups like MADD, DUIFoundation.org, and SADD which work tirelessly to prevent drinking and driving from occurring. And they have certainly saved countless lives by influencing legislation and making people think twice before getting behind the wheel when they’ve had too much to drink.

Yet, despite the overwhelming statistics and the work of so many wonderful organizations, drunk driving remains a prevalent issue on our roadways. Millions of people continue to put the lives of everyone around them at risk by driving whiling intoxicated.

There is absolutely no excuse for this. No one has the right to endanger others because of a careless decision like drinking and driving. Those who choose to do so undoubtedly act in a negligent and reckless manner.

As evidenced by the statistical figures, drunk driving accidents occur often. However, no one can prepare for the aftermath of an injury resulting from this type of accident. It can be one of the most devastating and tragic experiences of one’s life and can cause serious physical and psychological damage. Consequently, the injured party is often left with costly medical bills and lost wages.

If you, or a loved one have been involved in an accident where the at-fault party was drinking and driving, it is crucial to seek medical care immediately. Once the appropriate medical attention is obtained, we recommend you contact a qualified personal injury attorney. By offering guidance and support through high quality legal representation, the right attorney can help you begin to put the pieces of your life back together.

Bicycle Accident Statistics by NHTSA

Bicycle Accident Statistics
Source: National Highway Traffic Safety Administration
Total Pedal cyclists Fatalities 
2001 – 732
2002 – 665
2003 – 629
2004 – 727
2005 – 786
2006 – 772
2007 – 701
2008 – 718
2009 – 628
2010 – 618
Each year accounts for an average of fewer than 2% of all Traffic Fatalities.
70% occur in urban settings, 30% rural.
67% occur in a non-intersection location, 33% intersection.
Time of Day Fatal Accidents Occur
Midnight-3:59am – 8%
4am-7:59am – 12%
8am-11:59am – 14%
Noon-3:59pm – 17%
4pm-7:59pm – 29%
8pm-11:59pm – 22%
Average Age of Pedal Cyclists Killed (1st #) and Injured (2nd #) 
2001 – 36 / 26
2002 – 26 / 28
2003 – 36 / 27
2004 – 39 / 29
2005 – 39 / 29
2006 – 41 / 30
2007 – 40 / 30
2008 – 41 / 31
2009 – 41 / 31
2010 – 42 / 31
Gender 
In 2010, 86% of Fatalities were Male & 75% of Injuries were Male. The highest number of male fatalities were between the ages of 45 and 54 (23%), and the most males injured were between 25 and 34 (21%).
Alcohol Involvement
One out of four (25%) fatalities had a reported BAC of .01+
One out of five (20%) fatalities had a reported BAC of .08+
In 2010, out of all pedal cyclists accidents reported, 34% had a BAC of greater than .01.
Pedal Cyclist Traffic Fatalities by State in 2010
Alabama – 6
Alaska – 0
Arizona – 19
Arkansas – 1
California – 99
Colorado – 8
Connecticut – 7
Delaware – 3
Florida – 83
Georgia – 18
Hawaii – 3
Idaho – 4
Illinois – 24
Indiana – 13
Iowa – 8
Kansas – 1
Kentucky – 7
Louisiana – 10
Maine – 1
Maryland – 8
Massachus – 6
Michigan – 29
Minnesota – 9
Mississippi – 4
Missouri – 7
Montana – 0
Nebraska – 2
Nevada – 6
N Hampshire 0
New Jersey – 12
New Mexico – 8
New York – 36
N Carolina – 23
N Dakota – 1
Ohio – 11
Oklahoma – 9
Oregon – 7
Pennsylvnia -21
Rhode Island 2
S Carolina – 14
S Dakota – 2
Tennessee- 4
Texas – 42
Utah – 7
Vermont -1
Virginia -12
Washington – 6
West Virginia-3
Wisconsin -9
Wyoming -0
Total – 618

Insurance Terms

Additional Interest Insured –

A person or company named on the policy who can be held liable for an accident that involves another insured individual.

Bodily Injury Liability Coverage –

Pays for injuries or death expenses that the insured driver is responsible for. Also referred to as ‘BI.’

Comprehensive Coverage –

Pays for the damage caused to the insured’s automobile.

Collision Coverage –

Pays for the damage caused to the insured’s vehicle if it collides with an object. In some cases, this type of coverage can extend to a vehicle the insured individual doesn’t own or is renting.

Declarations Page –

The page in an insurance policy that summarizes what your coverage entails. It lists information including the contact information, the policy’s term, vehicle description and the premium and coverage amounts.  Also referred to as the ‘Dec Page.’

Deductible –

The payment that the insured is responsible for before the insurance company begins to pay for damages caused.

Endorsement –

Any modification made to the insured’s policy.

Limits –

Indicates the maximum amount an insurance company will pay for injuries or damages.

Loan/Lease Payoff Coverage –

Pays the amount the insured owes on a vehicle after insurance coverage has reached its limits.

Named Insured –

The name under which the insurance policy is issued.

Medical Payments Coverage –

Pays for the medical or funeral costs if the insured individual is injured as a result of a car accident. Also referred to as ‘MedPay coverage.’

Personal Injury Protection Coverage –

Pays for the medical and funeral expenses within the insured’s policy limits. Also referred to as ‘PIP coverage.’

Policy Term –

The length of time an insured’s policy is active.

Premium -

The money paid to the insurance company in exchange for coverage and protection.

Primary Residence –

Indicates the location where the insured individual lives for the majority of the policy term.

Primary Use –

Indicates how the insured individual typically uses the car.

Property Damage Liability Coverage –

Pays for the damages caused to the other party’s damaged property if the insured individual is at fault. Also referred to as ‘PD.’

Principal Driver –

Indicated who drives the car the majority of the time.

Salvage Titles –

A document that deems a vehicle beyond the point of repair. Requirements of determining a car totaled vary according to state laws.

Second Named Insured –

An additional person who receives the same coverage as the named insured.

SR-22 –

A document that proves the financial responsibility of an individual who has committed certain traffic violations.

Uninsured Motorist Coverage –

Pay for damages including injuries and death if the owner of the vehicle is uninsured and at fault. Also referred to as ‘UM.’

Underinsured Motorist Coverage (UIM) –

Pays for damages including injuries and death if the owner of the vehicle does not have enough insurance coverage.  Also referred to as ‘UIM.’

source : autoaccidentattorneyinfo.com

Why We Should Schools?

Most people say we do have school and even high school to college, the reason diverse so easy to work up because of the prestige of the shame it was not 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 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:

Internal factors, including the ranks of good education, the Department of Education, Office of Education area, and also schools that are in line front. in this case, interference from related parties is needed for education always is always maintained.

External factors, is a society in generally. 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.

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

The Best Way to Prepare Children Education Fund

The best way to prepare children's education fund is to save or invest in instruments that provide returns greater than inflation (rising prices). At the same time, parents also need to take life insurance, so that if there is something undesirable in itself, child education plan is maintained. Life insurance can be put together with investment, can also be separated. Each of these plus-minus.

Examples of the savings that are immune inflation is gold and silver. Other types of savings (savings, bank accounts, deposits) should be avoided for the long term.

Examples of investments include stocks and mutual funds. Both of these instruments offer higher returns than gold and silver, but carries the risk of loss. The risk of loss can be minimized with adequate knowledge about the world of investing.

Insurance education endowment type funds insure several stages of education and life insurance money if you died in the period of the agreement. But because the cash value in the form of savings, it can be eroded by inflation. As a workaround, installment savings we must be greater than it should be. Additionally UP soul is small, only the total amount of money that we pay plans and valid only for the duration of the agreement.

Education savings similar to insurance education. Cash value greater because there is interest, but a smaller life insurance. Besides saving education more flexible in terms of time and money making the amount of funds that can be taken.

Unit-linked insurance offers a return on investment greater than the endowment, greater mental UP and valid for life, and can be added rider (other insurance benefits) are diverse. Unit-linked funds are not guaranteed, but the security of the investment fund and the results can be optimized by setting the appropriate composition of the instrument.

Top Rated Life Insurance Company

Life insurance is a type of agreement in the form of insurance that you and your family to buy from an insurance company. People usually take the life insurance for the security and stability of their families. When you take out a life insurance policy, you also have to authorize beneficiaries.

The person you appoint as your heir will receive the death benefit if you die. In return for this service, you as the owner of the policy, should pay a regular monthly premium based on the terms and conditions set out in the contract. Life insurance companies offer various forms of insurance supreme, the most common is life insurance.

Today people are smart and know that having a life insurance plan is a major investment. Choosing the best life insurance policy for your family is indispensable. This protection of the interests of you and your family at this difficult time. So if you are planning to take out a life insurance policy, the following are the names of the top life insurance company ratings, which you can approach.

Top Rated Life Insurance Company in the United States

A life insurance policy is a good life is one of the best investment and a smart move to protect your family in times of uncertainty. If you find yourself insured with good policy, then you have a helping hand is always with you in case you are sailing ship in troubled waters. The main factors to look for when choosing the best life insurance policies are reliability, price, flexibility, and offer a variety of financial gain. Here are some of the best life insurance companies in the market.

MetLife

Half of the population in the United States insured by MetLife. It's one of the most popular insurance companies in the U.S. and productive. It specializes in term insurance are provided in different ways. Their motto to serve the needy and helpless has made them one of the top insurance companies in the United States. Not only in the U.S., MetLife is also an international presence in almost every continent in the world and is still one of the biggest names when it comes to life insurance.

American International Group

Known as AIG, American International Group is one of the best names in the life insurance and financial services throughout the world. They have their branches in more than 100 countries and AIG is a name synonymous to life insurance. Already rated as one of the top life insurance companies in 2010 by many international survey magazine.

New York Life Insurance

It's one of the most recognized names in the global insurance market. New York Life Insurance has received an ever-changing and always has re-structured itself and in accordance with the policy and market a wide range of individuals. The company provides life insurance in the following categories are term insurance, permanent life insurance, life insurance and survivor-ship insurance life insurance business. It has received excellent ratings to become one of the most versatile when it comes to offering life insurance and financial management.

Lincoln National

It is a renowned name when it comes to life insurance. Lincoln offers life insurance in the following categories which include universal life, term life, universal life and variable life related benefits. Lincoln National is known for having the most professional staff are always helpful and always approachable in providing various kinds of life insurance. This is one of the most successful and biggest names in the U.S. insurance market.

Top Term Life Insurance Company Rated

Life insurance policies available in the market, term life insurance is considered as one of the cheapest. The best part about life terms each premium you pay is specifically used for your insurance and not for investment purposes. Here are a few names that offer the best life insurance policy term

ING ReliaStar Life Insurance Company

West Coast Life Insurance Company

Banner Life Insurance Company

Protective Life Insurance Company

Transamerica Life Insurance Company

Lincoln National Life Insurance Company

I hope you have understood how the life insurance. Most life insurance companies in the insurance rate strive to provide the best facilities to their customers by offering a life insurance policy that fits their needs and requirements. When we invest our money, we also want to be safe. The names above are the best place to look for a life insurance policy. So, choose one and get insured.

Tips on Choosing a Vehicle Insurance

Choosing car insurance is not easy. Especially in the midst of stiff competition today. Almost all insurance companies have vehicle insurance products. Stay prospective customers to choose which are worth taking. Therefore below we present some criteria so that no one chose:

1. Prospective customers do not dwell on the cheap premium rates. Therefore, in today's competition, many insurance companies slam prices, offers cheap premium rates. Though not necessarily a guarantee of service.

2. See the insurance package offered. For example, extensive warranties to how much. Therefore, the scope of cover should be adjusted with the desire and ability to prospective customers.

3. See also the network of insurance companies concerned. For example, how many have a branch office or how many partners have a garage, so that no claim did not wait long to repair the vehicle or vehicles reported missing.

4. Could be asked first ease, facility or what added value can be obtained when buying the policy in the company. For example, is there a tow truck, car replacement or hotline services, mechanic services, ambulances and so forth. And, last but not least is the ease to make changes as well as ease in asking.

5. Consider also the reliability of the insurance company. Do not get so there is a claim, the workshop did not have a partner. Therefore, many insurance companies claim they are the best. Though financial condition was very severe.

In addition to the above, there are several factors that should be considered in the process of selecting an insurance company included in choosing the product. The thing to keep in mind that in choosing a private insurance company, then that should be considered in general are three factors.

First, the financial strength (security). Second, the service (service). And third, the cost or burden. The financial strength of insurance related to the company's financial ability to fulfill its promise if the situation requires. It is important to know, because not a few insurance companies are looking at the flashy exterior. For example storey building, vehicle good directors. But when there claims from customers, the company can not afford to pay.

In assessing the financial strength of this there are several benchmarks that need to be considered.

a. Assets and liabilities. It can be seen from the consolidated balance sheet is published in the newspaper. See also, whether planted in the current investment or longterm. In terms of liability (ability to pay off liabilities) will look at the balance sheet, how the debts by reinsurers, how he fulfilled his obligation to pay claims, and so forth.

Indicators of net liabilities include equity (own capital) divided by net premiums `` (net premiums) of at least 50%. Own capital divided by `gross` premiums (gross premiums) of at least 20%. Limit level of solvency, as seen from its own capital divided by net premiums of at least 10% and investment funds technical reserves divided by at least 100%.

b. Underwriting Policy. On the balance sheet and annual report will be seen that the insurance is still a profit, or profit growth. This means that the policy underwiting good.

c. Its underwriters. Insurance has staff who are qualified or not. It is known from the profile of companies that includes the underwriters him.

Services (service) is a reflection of the extent of human resources at the company's qualified or not. Moreover, insurance companies are selling a service, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claim.

In addition, the matter of service can actually be felt by the customer. Is this insurance company was absolutely the best services for its customers.

In this connection it should also be questioned, whether the insurance company's reinsurance insured first-class safety. It can be seen from the annual report. It is important to note, because if the company is not backed-up by reinsurance, the company is likely to be speculative in receiving the premium.

The problem is how much the costs incurred by insurance companies in operation. If it is greater than the cost of entry, it is clear the company is not efficient. If it is not efficient, it will end up losing money. And, if you continually lose, certainly not healthy.

In this connection could also see the price premiums. Compare the price of insurance premiums with other insurance. Which is really good quality.

Today the government has set a benchmark of health insurance (not the only one) is through mechanism RBC (Risk Base CAITAL). If RBC number was large, this means the company is valued in good condition. But we should not be fixated solely with RBC numbers. Therefore, it could be a large company that is doing such a massive expansion to open many branches, then his RBC numbers would be small.

Instead, there is a small insurance company but never to expand, the RBC number was probably much greater.

Thus, RBC numbers can not be used as the only measure, whether the insurance company is healthy or not.

In this case, also noteworthy is the performance of the company in the last two or three years. How big profits every year, how much gross premiums they receive each year, how much additional capital and assets every year.

And, last but not least is how the company's management behavior over the years. Is there a management company for this broken promise? Has this company experienced management defaults and so forth.

Mesothelioma Victims Treatment Methods

Asbestos is a toxic chemical that has been used directly or indirectly in hundreds of products around the world. This is not true and is not appropriate for humans to have excessive exposure to asbestos. This can lead to malignant mesothelioma cancer.

A rare cancer that affects the lining of the lungs, abdomen or heart - and other diseases. It is amazing to find that, asbestos is still not completely banned in the United States, and Americans continue to risk exposure is dangerous. If you feel that you have mesothelioma symptoms (such as shortness of breath, pain in the chest or back region, swelling in the abdomen, trouble swallowing, cough, fever, sweating, fatigue, and weight loss.), Is important for you to consult with a doctor you soon.

There are various methods available for treating the victims of mesothelioma. In the direct method or treatment Those alternative methods. Several direct methods of Surgery-both aggressive and Pallative, Chemotherapy, radiation therapy and other Immunoagumentive Therapy (IAT), Gene Therapy, Intraoperative Photodynamic Therapy (IPT), etc are some common alternative methods.

Also one can take the help of Support Groups, which are available to help people deal with the challenges they face. Publication recently said that more than 20% of Americans have participated in some kind of self-help groups. There are mainly two types of support groups available are-online support groups and community-centered support groups.

If you have been diagnosed with mesothelioma, it is important for you to have a positive frame of mind and keep themselves well informed about the latest medical developments that have occurred related to this field. As well as victims of Asbestos industry you may have certain legal and social demands. The following proposition can be considered if you are a victim of mesothelioma are caused by negligent exposure to asbestos.

How to Donate Cars for Kids Are Effective?

There has been an increasing number of car donations for many years. It is the result of the public realization that it is their right to help underprivileged children from various parts of the world so that they can live the satisfaction and contentment.

Donation of a car can easily be carried to a charitable organization in the city. People also can donate their car online through the internet, where they can log in to the charity website and fill out a form that is required for the charity. Online media is very helpful and is widely used by most people around the world.

People who have enough money should be the first person who decided to donate the car to charity. There are several reasons behind this. The first is that when they have an old car, they always want to replace it with a new one. Most of the wealthy part of the society are in the habit of replacing their car in a matter of months. Now the cars they replace for a new one is either given to scrap their cars or give them to someone who may not require more than poor children. Therefore, this should be avoided and instead they should donate their cars to charity working for the betterment of the lives of poor children around the world.

How Car Donation Is Helpful?

There are many points that show how the car donation is very helpful for the poor children.

Where the donated car was first sold by the organization, in case it was not in a condition to be driven properly.

the money thus generated is then used for various purposes such as for children's education, their medications, their clothes and many other destinations.

In cases where that has been donated cars are in good condition, then it is used as a transport vehicle for charity.

Most of the poor children in the world, usually suffer from one or other diseases. Therefore, there is always the possibility of a sudden medical emergency. Thus, in such cases, vehicles are essential so that the patient can be taken to the hospital in time.

important Advice

Usually seen that people are more often than not confuse How to donate a car. They can not figure out the right media donation. Although donations online media is very useful, but it also requires a large amount of prudence because of the presence of a variety of internet fraud agencies. One should make it a point to investigate in detail the organization before donating to his car.

Therefore, a car donation is very important and should be done by competent individuals from the community.

10 Sport's Help Prevent Cancer

One of the diseases is still a scourge of cancer. This is because the cancer can progress rapidly and result in death. However, cancer can be prevented, and experts believe the best way to prevent cancer is regular exercise.

Not only keep your body active and healthy, exercise can also keep dangerous diseases. According to experts, there are several specific types of exercise that effectively dispels cancer, including the following.

1. run
One of the best exercises to prevent cancer is running. This is because running can keep the heart and mind of stress. Then walk at least 30 minutes every day.

2. jogging
Jogging or running for 45 minutes is the best way to keep the risk of cancer. Jogging will make the heart beat faster. Generated a lot of sweat after jogging can also help eliminate toxins from the body.

3. swim
Swimming is a sport that can be done by all ages. Routine swim for one or two hours and was turned into a lifestyle more healthy.

4. bicycle
Cycling fresh in the morning is good for the lungs. These activities will clean the lungs and keep him away from cancer.

5. Taichi
Taichi is a type of Chinese martial arts that improve health through the incorporation of a slow movement with correct breathing techniques. This sport is good form to prevent cancer.

6. climb
Climb helps relieve stress and also deadly disease. Routinely perform this exercise keeps the body in the best form and was reluctant to approach the disease. Climbing is one sport that lowers the risk of cancer.

7. roller skates
Skate is a cardiovascular workout and can train the muscles in the entire body. Sports are popular among kids this can actually be done by all ages.

8. dance
One form of exercise is good for preventing cancer is dancing. Dance to your favorite music every day for 30 minutes to stay healthy and energized.

9. yoga
This is a form of meditation is good for the mind, soul, and body. The practice of yoga is also capable of removing toxins from the body and reduce the risk of cancer.

10. tennis
Tennis is the best exercise to make your body active. This exercise makes you run and burn extra calories, and eliminate toxins through sweat.

Full Gym Obstacle Not Exercising

If more diligent exercise at the gym into your new year's resolution, to avoid a number of obstacles that can make this plan failed. One of them did not get a place aka a full gym. Do not get too lose, because already paid gym membership and spend time, but not a single tool that can be used, not even that could be followed because the class is full.

To get around the gym filled, Tina Haupert, fitness practitioner and contributor to The Boston Globe gives a few tips as follows:

1. Register for the class.

Especially in solid seasons, most of the gym opened online registration for some classes. To avoid running out of equipment when it's going to the gym, it does not hurt to use this service.

"If you want to get a safe place in the middle of the gym is full, just take advantage of this service some time before," said Haupert.

2. Perform high intensity interval training.

Many of the gym which imposes a time limit for the use of cardio equipment at rush hour. But it is not so you can snag to burn more calories. Although only 20 or thirty minutes, you can maximize your calorie burn with high intensity interval training. The exercise will force your body to exercise up to your own body to the limit.

3. Avoid rush hours.

It is the points that you surely already know. But it never hurts to check your schedule more detail. Who knows, you actually have free time that can be used to go to the gym outside of rush hour, as hours after work.

For example, if you can get up early, you can go to the gym before the move. In the morning, the gym is relatively less crowded than the afternoon or evening. As compensation, so you do not have to go to the gym at night so they can break early.

4. Multitasking.

When the gym in the solid state, you are certainly more difficult to be able to use multiple tools simultaneously. Instead, you can use one of these tools, but with the additional movement to the body muscles more.

5. To the gym on weekends.

Saturday and Sunday morning is a good time to go to the gym because it's generally the place was deserted. Most people prefer to sleep at this time, but this is an opportunity for you to more freely use the equipment.

15 Billionaire Benefactor World Rescue

Being famous and having abundant wealth does not necessarily make them arrogant. Precisely with riches, they could do something to save the world.

This is done by 15 of the world's billionaires wealth. They do not waste their wealth to buy cars, houses, planes, or even bought the island to live or even to rent out. They are actually giving tens to hundreds of millions of dollars for the prosperity of the world.

1. Larry Ellison. Oracle boss is indeed versatile in his life. In addition to having a car, home, airplanes, to have the Island of Hawaii, Ellison is indeed a generous person. He has a foundation Ellison Medical Foundation, which focuses healed people with Alzheimer's disease (dementia) and arthritis (joint inflammation). This foundation gives grants about 70 times. Last year alone, he donated 46.5 million U.S. dollars (U.S. $ 465 billion).

2. Bill Gates. Institutions through the Bill and Melinda Gates Foundation, the Microsoft founder has donated approximately U.S. $ 3.3 billion (nearly U.S. $ 32 billion) fortune to solve the world's problems, such as polio eradication, poverty alleviation programs, to improving education in the nation. Crazy idea, he dared to give $ 100,000 to anyone who is able to make condoms for people interested in wearing it.

3. Paul Allen. One of the founders of Microsoft, this is known as a person who has a lavish lifestyle. However, he has donated half a billion dollars to the Allen Institute for research on the brain. The institution will learn how the brain works with the aim of curing Alzheimer's disease. The final goal of this agency is able to mimic the human brain and build machines that can exceed human intelligence.

4. Peter Thiel. Venture capital company owner who achieved great success after the Facebook IPO has the focus to finance medical research so that people can live up to 150 years or more. Through the Thiel Foundation, it focuses on anti-aging project, even focusing on the foundations that protect journalists and foundations are related to human rights.

5. Laurene Powell Jobs. Wife of the late founder of Apple, Steve Jobs, it has an estimated fortune of 10.7 billion U.S. dollars. The wealth derived from her husband's legacy while leading Apple first. Yet Jobs himself wealth in Disney stock could double his wealth than at Apple. For decades, the widow of Steve Jobs has become an advocate for immigration reform and education. He also has a non-profit organization since 1997, and helped take care of poor children to get the school up to college. He also runs a foundation of Emerson Collective, which provide social assistance to entrepreneurs and education leaders, as well as supporting non-profit organizations belonging to Ben Affleck, the Eastern Congo Initiative.

6. Sergey Brin. One of the founders of Google's focus donate his wealth to help cure Parkinson's disease (a disease that causes nerve damage in the brain). Together with his wife, Anne Wojcicki, the pair made a blog about how her mother had Parkinson's disease and how to cure her of the serious illnesses. Wojcicki also founded 23andMe genetic test that focus on Parkinson's disease. He donated about 95 million dollars to the Michael J Fox Foundation for Parkinson's research. The pair also donated 190 million dollars to support social issues, human rights, to have a non-profit organization serving families in Northern California.

7. Jeff Bezos. Amazon's boss donated 10 million U.S. dollars for the development of innovation centers in the Seattle Museum. He and his wife also donated 15 million dollars to Princeton University to examine the problems of the brain and provide 2.5 million U.S. dollars for the marriage equality campaign. In addition to focusing on education, they are also the focus of his wealth to donate about 10 million U.S. dollars to the Seattle Fred Hutchinson Cancer Research Center.

8. Michael Dell. The founder of the computer company Dell's focus on running the charity dedicated to helping the urban poor children. Together with his wife, the Foundation donated 50 million U.S. dollars for a new medical school at the University of Texas and 10 million dollars for public health programs in the city of Texas.

9. Marc Benioff. Salesforce.com boss is donating 100 million dollars to 180 beds at UCSF Benioff Children's Hospital. They also support homeless charities, especially those helping the homeless single mothers. Benioff also created a model 1-1-1 for philanthropic activities. This model requires that each company would donate some percentage of business profits, stock, and employee time to non-profit activities.

10. Dustin Moskovitz. One of the founders of Facebook is now building a startup company Asana who want to liberate the world from diseases of poverty. Together foundation, Good Ventures, the agency donate funds recommended by GiveWell, a nonprofit that managed his girlfriend, a former reporter for the Wall Street Journal, Search Tuna. Good Ventures is donated about $ 4 million to combat malaria, parasitic worms heal disease, and social issues such as marriage equality campaign.

11. Hasso Plattner. SAP's founder donated $ 35 million to the Institute of Design at Stanford University. He also gave 265 million dollars to the Hasso Plattner Institute, which focuses on software design company. He also helped focus the activities related to fundraising AIDS worldwide.

12. Mark Zuckerberg. The Facebook founder donates 18 million Facebook shares valued at 500 million U.S. dollars to the Silicon Valley Community Foundation which focuses on education and health issues.

13. David Duffield. One of the founders of this workday has Maddies Foundation Funds that focus fund research and treatment to an animal shelter.

14. Sheryl Sandberg. One Direction on Facebook this is not bragging about the donation fund. In fact, he also reportedly donated 429,184 shares in Facebook in December, or $ 12 million dollars at this point. However, Sheryl reluctant to explain who the recipient of the donation wealth. He also focused on resolving issues and helping women in the Google.org philanthropic activities.

15. Pierre Omidyar. EBay's founder has a foundation with his wife, HopeLab, which focus on developing technology to help children who are critically ill. This couple donated 74.5 million dollars in 2011 for a variety of charities, human rights, and helping to abolish slavery throughout the world.

Women Tend to Avoid Charity Donation

Women are more likely to avoid the opportunity to donate something to charity than men. Although men and women are seen equally generous.

Researchers from the University of Chicago and the University of California Berkeley said women feel under pressure when it accounted for more social. They can recognize social clues better than men and will avoid it if at all possible pressure.

On the other hand, men do not recognize this social guidance. They tend to have a simple thought process so that they are more likely to donate when asked.

This study examined the motivation of people to contribute. Do they respond to social pressure, altruism or actually even concerned with self-interest. To know this, Professor John List, an economist and expert philanthropy University of Chicago and his team visited the Chicago area they consider wealthy. Tim told respondents they raise money for the local children's hospital.

The first part of this study is the unannounced visit. The second part of the study is the inclusion of the announcement flyer fundraising team who will be visiting residents in the next day. The leaflet was put through the door every citizen.

The results showed generosity is measured by the amount of money donated. When not given warning of the visit, between men and women contribute relatively the same. Even in some cases, women donate less.

However, when subjects were given the opportunity to choose not to donate, the marginal providers will do it. In the study, defined as their marginal donor who will donate, but if only persuaded.

The researchers found that a significant number of marginal donor is more women than men. When allowed to refuse the donation, the number of men who would give turns slightly down. While the number of women actually declined half of the previous amount.

The researchers attributed this to the fact that women are more likely to donate because of social pressure. While men are less susceptible to the same influences.

"Women may be more sensitive to social cues than men because men are more simple thought process," said Uri Gneezy, professor of economics and strategy at the University of Chicago. They also assume that people tend to worry, especially among women, to open the door for strangers.

The results of this study were published in the May issue of the American Economic Review, Papers and Proceedings. In this study also found that women tend to participate in the survey compared to men.