Public Insurance

Archive for January, 2012

There are plenty of professions in this world that can offer you quite interesting offerings. Ones of those professions are the professions that are related to health. In this case, you may think that it is all about doctor and nurse. Well, it is right, since doctors and nurses are paid quite high, but it is not quite right, since there are also other professions in the sector of health that are paid quite high too. The professions like the radiologist or radiology technician, ultrasound technician, and phlebotomist are the professions that are paid well enough, especially when compared to other professions outside the sector of health.

To proof it, you can take a look at the data of the average salaries of those technicians. For example, the data shows that the average salary of a phlebotomist in the US is about $25,000-$40,000, which is quite an interesting number for other professions outside the sector of health. Yet, that number is not quite good inside the sector of health, meaning that there are many other professions that have higher salaries than that. One of those professions is the ultrasound technician. According to the data, the average ultrasound technician salary is about $60,000. This is of course an even more amazing number if compared with the salaries of other professions outside the sector of health. However, there are still some other professions in the sector of health that have salaries beyond that. So, if you want a profession that can really gives you a lot of money, then search for a profession in the sector of health.

Sometimes in our life, cheating is allowed to achieve something good. However, too much cheating and you will end up losing everything. In other words, you are allowed to cheat only when you really need to cheat. Well, it can be in the condition of when you really have to ask, “could you please write my research paper for me?” to someone. Of course something like that is considered as cheating. Everybody knows it. However, if the deadline is already very close, you still have nothing to write, and you will lose many things in your life if you do not finish the research paper in time, you are then allowed to cheat, as long as your teacher or lecturer does not know about it. Yet, after that burden vanish, you have to take your own responsibility again on doing other assignments by yourself.

On the other hand, you can always ask, “Do my assignment for me, please.” to some companies that can provide you with the services of writing your homeworks, research papers, or assignments. However, it is really not recommended because not only you will lose a large sum of money for using the services, but also your brain will become very dull. Then, when the time comes for you to do the real assignment where you cannot get help from anyone, you will be in a big trouble.

That is why cheating is considered as a bad habit and hated by many people. However, it will not hurt you to do some cheating by asking, “could you do my homework for me?” to anyone if you really need the help. So, do not hesitate to ask questions like that when you are really in the state where you cannot do it alone. It is because the fact is that humans are social beings that need others too, even for bad things like cheating. However, you also have to have faith in yourself and do the things that you must do along well. In other words, you have to place everything in the right places.

There are costs involved in every choice we make, and not all of these involve money. Some people are more concerned about how much something will or will not cost them in dollars than the repercussions of a choice poorly made.

In the case of being able to buy essays online, or to simply steal a piece of essay writing, or being able to cheaply buy an essay written long ago, a student might be costing himself the rest of his college career, if the assumed custom essay he was required to turn in is actually a plagiarized piece of writing. Being able to easily access someone else’s writing – without any guarantees, or scholarship behind it – can be a sure way for a student to be dismissed from the institution he or she is attending.

The main thing a student should worry about is this possible accusation of copying someone else’s work. This concern can be eliminated is the student buys his or her essay online from a real writing service which employs a professional staff of dedicated writers. An essay writing service such as this will allow a student to communicate directly with his or her assigned writer, and the work ordered will be written specifically for that student alone, never to be resold.

Don’t take chances with your future education. Use this help appropriately, and learn to value good writing enough to order and pay for it, rather than trying to sneak another person’s well-used report into the classroom as your own work.

You want to buy the insurance policy? Do not rush. There are several things to consider when determining what insurance products will you use, either for yourself or for your employer. These tips can help you.

1. Separate items / objects in accordance with the calculation of economic
Select the items that really need insured so you have nothing to lose. For example, if you intend to take fire insurance for the house and household furniture, then you do not need to enter the computer and all the accessories into the calculation. Why? Because the recovery value for the company’s computers is very low when compared to the current value of the computer or at the time of purchase will be insured.
Another example, you would take out insurance of motor vehicles (cars) the company’s assets. If the cars to be insured are aged over 10 years, the economic cost of insurance premiums will be greater. Another case when a company can set their own / self insurance for vehicle assets.

2. Identify items / objects are clearly
We recommend that you first identify the item / object to be insured. For example, the Toyota Corolla sedan in 1998.
At the company, such a garment factory and its machinery, generators and other equipment associated with the activity of the plant.

3. Choose the insurance company with good reputation
Do not be fooled by insurance companies provide premium rate (the amount paid for a unit of protection afforded) a low or a high premium pieces. If you do, can-can the insurance company can not complete payment of the claim at the time you make a claim against them.

4. Give the information as clearly as possible
Provide information about the object as clearly as possible will you insured to the insurer / insurance broker. Instead, ask for more-complete information about the insurance products they offer. You can ask about the types of insurance, extensive warranties, rate premiums, deductibles (the amount of fees you will pay before the insurance starts paying compensation), or a piece of the claims procedure.

5. Ask your insurance coverage (insurance coverage) is best
You should ask the most extensive insurance surety before the insurance company issuing the insurance policy.

6. Choose a package of insurance products
Instead of just choosing one insurance product, you are encouraged to select one packet at a time. That way you will get discount facilities and better service. For example the purchase of home insurance (Fire Insurance) the following cars (Car Insurance) and personal accident for the family members.

7. Ask the system of “First Loss Insurance”
Special coverage for objects that have a value / number of very large, for example over 100 billion, have the system of “first loss insurance” to the insurance premiums that you pay is not too large.

8. Ask the system “Adjustable Policy”
Value / amount of insurance stock merchandise usually show different volume every day or every month. To fix this, you can ask the system “adjustable policy”. With this system you will pay premiums in accordance with the volume / transaction really you have done.

9. Read, carefully and ask
Carefully read and examine the contents of the policy statement and the article-the article. Ask about the procedures that will claim you did before approving the issuance of insurance policies.

If there are errors in writing, either on the object of insurance or any other information, immediately notify the insurer / insurance broker. They will soon issue a written improvement in the policy.

Once you have approved the issuance of the policy in question, ask for the original and the duplicate policy document, complete with receipts as a sign of ownership and payment of insurance premiums

As might be expected, the most appropriate insurance product is not a unit-linked or other insurance that has a value of investments. With unit-linked, customers get lifetime protection, although of course almost everyone does not need life insurance protection throughout his life. On the unit link, the customer must still pay insurance premiums even when concerned at all do not need it.

The second reason is administrative costs and agent commission on a link unit is too large. In the first years following the link unit, practically wiped out customer funds to pay the agent commission. In addition, there are other administrative costs are no less magnitude, and usually the prospective customer does not realize it at first followed the unit-linked insurance.

So life insurance products where appropriate? The most appropriate products are term life insurance. Term life insurance is pure insurance products, no-frills investment. If the insured dies during a dependent, then the left will get the sum assured. If the insured is still alive at the end of coverage period, then the premiums will not go back.

The characteristics of term life insurance are as follows:

• There is no investment element or for the results (except perhaps the Islamic insurance).
• The length of coverage period is relatively short and not for life. Usually sold in units of 1, 3, 5 or 10 years.
• At the end of coverage period, the customer has the option to renew contracts with large premium increases in accordance with the provisions stated in the policy.
• Price premiums are relatively cheap. Market today for about 30 years old and not smoking is approximately USD 300 thousand / year for the insurance money of Rp 100 million.
• Almost never offered as an insurance agent commissions they get much smaller than if they sell unit-linked products. Customer must ask for specifics or even come to your own insurance company offices.

Life insurance serves as a protection if the insured dies. For example, if I was insured of a life insurance product and die tomorrow, then the insurance company will give the sum assured to the people I left behind.

The goal of taking the life insurance is to cover the potential loss of revenue. If I as a breadwinner die, the family that I leave behind will lose a source of income. If I follow the life insurance program, then the family I leave behind will get the sum assured that can be used as a substitute for the lost revenue, at least temporarily.

Actually the rules of choosing life insurance products are not much different than choosing other products:

• Do not buy life insurance if it is not necessary; and
• If you need life insurance, buy life insurance that provides adequate protection.

From my brief survey to several friends and family members, you could say that none of those who take life insurance in accordance with the rules above. Most of them buy life insurance when not needed, and not take life insurance with an adequate sum insured if necessary. It gives us a picture about how they underestimate life insurance. Yet, for some people who can see far to the future, life insurance is really important.