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"Avoid problems, and you will not never be the guy who broke it "
- Richard Bach

Dear Friends of Financial And Advertising, my unwavering his heart ...

For an eagle, the only obstacle to fly faster and more convenient is the air. But if the air was taken and the bird was allowed to fly in a vacuum without air, birds eagle immediately fell to the ground and can not fly at all.

The main obstacle to be overcome by a motor boat is water that touches the propeller boat. But if there is no water as a buffer, the boat is actually can not move at all.

The same law applies to human life. barriers are conditions 'must have' for success. A life free of obstacles and difficulties would reduce all possibilities and power up to zero.

Run away from your problems away, and your life will lose creative power!

Severe health problems can give meaning to the world treatment. The problem of social disorder can give meaning to the policy government.

We all have a tendency wants to be rid of all the problems and responsibility. when the problem come, give new meaning to the problems. a load The most severe is the life at the moment we do not have any to carry.

"One reason so few people are achieve what they want is because we never focus: we do not have to concentrate on our strengths. Most people just dabble in many walks of life. They never decide to master a particular field" - Tony Robbins

Dear Friends Financial And Advertising,

Do you remember experimental burn a paper with magnifying glass while still in school first? The paper was burned after successful magnifying glass focuses sunlight on a single point.

We were so!

Man was created God with unlimited potential. But in reality, few people are trying to achieve. We really can do anything, but we are not always able to do all.

Allowing others to decide the agenda of Companion Financial And Advertising in life, makes Companions Financial And Advertising does not focus on the purpose of life. Friends of Financial And Advertising might be people who do a lot of things, but can not completely control.

But avoid being capable of doing some work, but focus on one skill.

Friends of Financial And Advertising, grow-up to reach their full potential by:
Focus on one main target
Focus on continuous improvement
Focus on the future, not the past

Focus on strengths and develop those strengths. That's where you have to devote time, energy and resources. Continue to grow and improve yourself. In leadership, if the Friends of Financial Advertising And stop growing, drop Companions Financial And Advertising.

A successful entrepreneur fell in the shower and finally a stroke. Already 7 nights in hospital in intensive care. At the moment the people asleep in a dream the night, in the world of the spirit of an angel approached the businessman who lay helpless. Angels began, "If within 24 hours there were 50 people prayed for your recovery, and you will live. And vice versa if the number in the last 24 hours that I set were not met, it means you will die! "If you are just looking for 50 people, it's easy mah .. . "Said the businessman with confident.

Is there anyone who would Praying for Us? 

After that the angel went away and promised to come one hour before the agreed deadline.
At exactly 23:00, the angel again visited him; enthusiastically the businessman asked, "Are you in the morning I had recovered? No doubt many who prayed for me, I have a number of employees more than 2000 people, so if you are just looking for 50 people who prayed certainly not a difficult issue.

" Gently the angel said, "Son, I've been around for conscience pray for you but until now only 3 people are praying for you, while your time to 60 minutes. It seemed impossible that in the near future there are 50 people who pray for your recovery. " Not waiting for a reaction from the employer, the angel showed a large screen TV in the form of 3 people who were praying for his recovery. On the screen was visible face of grief from his wife, there is next to two small children, the son of his daughter, who prayed fervently and look no tears on their cheeks."

The angel said, "I'll tell you why God longs to give you a second chance? That's because your wife is not prayer dashed hopes will kesembuhanmu " Return seen where the woman was praying morning at 2:00, "God, I know that for my husband's life was not a good husband or father! I know he has betrayed our marriage, I knew he was not honest in his business, and if he contributes, it's just for popularity only to cover up his actions were not right front of you. But God, please view the children whom thou hast Leave at us, they still need a father. Servants can not afford to raise them alone. "
And after that she stopped to speak but the tears flowing down his cheeks that looked gaunt from lack of rest. " Seeing the incident, without noticeably, tears running down her cheeks entrepreneurs. Arise regret that during this time he was not a good husband. And father who became an example for their children. Tonight he just realized how much love his wife and children to him. Time rolled on, when he had only 10 minutes left, saw a more narrow is the cry of the entrepreneur, extraordinary remorse. But the timing was too late! No way within 10 minutes there were 47 people prayed! With a half-muttered he asked, "

Are among my employees, my relatives, my business, my organization does not exist friends who prayed for me?" The angel replied, "There are some who say they do not buatmu.Tapi Sincere. There are even grateful for what you have suffered illness at this time. It's all because so far you are arrogant, selfish and not a good boss. Even you have the heart to fire employees who are not guilty ".

The businessman bowed weak, and resigned that tonight is the last night for him. But he asked for a moment to see the children and the wife of a faithful guard all malam.Air added heavy eyes, when he saw his eldest son sleeping in a hospital chair and the tired-looking wife is asleep in a chair while the bungsu.Ketika lap time shows at 24:00, suddenly the angel said, "My son, God sees your tears and sorrow! ! You did not die, because there are 47 people who are praying for you promptly at 24:00 ".

With amazement and disbelief, the businessman asked who the 47 people were. Smiling, the Angels showed a place he had visited last month. Is not that the Orphanage? said the businessman quietly. "Yes my son, you never give assistance to them a few months ago, even though I know your goal is simply to look at the popularity of it and to draw the attention of governments and foreign investors. ' "This morning, one of the orphanage is to read in the newspaper that a businessman had a stroke and was 7 days in the ICU.

After seeing the picture in the paper and believe that a man in a coma was you, a man who had helped them, and finally the children orphanage agreed to pray for your recovery. ' Prayer is powerful and effective. Quite often we are lazy. Do not have time. Not burdened to pray for others.

About Terms of General Banking, sometimes there are some do still confused. As the term of General Banking bilyet eg, deposits, remittance and others. Although it is often heard that there may also still unclear. And here are some of General Banking term we commonly hear.

General Banking Terms

1. Collateral or Collateral

Collateral is collateral deposited by a debtor (borrower) to the bank as a lender, in order to finance or credit facilities from the bank to the debtor.

2. ATMs or Automated Teller Machine

ATM is a machine that uses a computer system and used to withdraw cash, interbank transfers, pay bills and more. The ATM machine is enabled by using a magnetic card (like a credit card) that have the codes and passwords.

3. Bilyet

Bilyet is written proof such as memorandum, and other forms containing information and or an order to pay, and can be used as proof of the transaction.

4. Interest rate of Bank or Bank

Bank interest is a reward that information available by the bank (for saving money) to clients on funds deposited ang. Bank interest is calculated based on a percentage (%) of the principal specific customer deposits. Bank interest rate depends on each bank.

5. Check or Cheque

The check was written order made by the client to the bank to withdraw the money according to the amount written in the check. Could check on behalf of himself (withdraw funds to their own) or fiat (others).

6. BLACK LIST (BLACK LIST)

List of individual customer names or companies to be sanctioned for doing certain actions that harm the banks and the public.

7. DEPOSITS (TIME DEPOSIT)

Time deposits are deposits that may only be withdrawn at any given time based on the agreement with the bank's depositors.

8. GIRO (CURRENT ACCOUNT)

Demand deposits are deposits which may be withdrawn at any time by check, bilyet gori, other forms of payment order, or the entry.

9. INKASO (COLLECTION)

Collection is billing checks, money orders, and other debt securities to the issuer of the securities and receive paymentfrom the payer bank (paying bank).

10. SECURITY BANK (BANK GUARANTEE)

Guarantee payments made to recipients warranty, if the party does not fulfill its obligations guaranteed.

11. DEBIT CARD (DEBIT CARD)

Bank cards that can be used to pay for a transaction / and or withdraw funds at the expense of the relevant cardholder account using a PIN (personal identification number)

12. CREDIT CARDS (CREDIT CARD)

The cards are issued by banks or credit card management company which entitles the people who meet certain requirements are named on the card to use it as a payment on account for the acquisition of goods or services, or to withdraw cash in the credit limit as set by the bank atai management company credit card.

13. SHIPMENTS OF FUND (FUND TRANSFER)

Transfer of funds between accounts related to accounts or third parties; Overseas remittances between financial institutions and other financial institutions sender as the receiver.

14. CLEARING (CLEARING)

Calculation of debts among the participants concentrated in one place by mutual surrender of securities and commercial papers set to be taken into account.

15. DEPOSIT BOXES (SAFE DEPOSIT BOX)

Safe property rental services or securities of specially designed steel material and placed in a repertoire that is strong, resistant and refractory unloading to maintain the security of stored items and provide security for its users.

16. CREDIT (CREDIT)

Provision of money or bills that can be equated with that based on an agreement between the bank lending to the other party that requires the borrower to repay the debt after a certain period of time with interest.

17. Deposit Insurance Corporation (LPS)

Legal entity conducting the guarantee of customer deposits.

18. PIN (Personal Identification Number)

Secret number given to card holders (credit cards, ATM cards, debit cards, etc.) that the code number can be given by a bank or finance company or determined by the card holder.

19. PRINCIPLES KNOW YOUR CUSTOMER (KNOW YOUR CUSTOMER)

Principles applied by the bank to know your identity as the customer and monitor customer transactions.

20. DEBITOR INFORMATION SYSTEM (SID)

The system provides information regarding the debtor that is produced from the debtor reports received by Bank Indonesia from the reporting agency.

21. SAVINGS (SAVINGS)

Deposits which may be withdrawn in accordance with certain agreed conditions, but can not be withdrawn by check, giro, and / or other equivalent devices with it.

22. TRANSFER / Remittance

Services account holders to send money from one account to the other owner or owners of the same account, from one city to another city or to the same city, in Rupiah or foreign currency.

23. CUSTOMER SERVICE UNIT (CUSTOMER RELATION)

Section or unit responsible bank to answer questions and resolve customer complaints encountered. The unit is usually called the customer service unit or for customer service over the phone called the call center. (Source term general banking: www.bi.go.id)

"There's a difference between interest and commitment.
When you are interested in do something, you do it only when circumstances permit. But when you committed to doing something, you do not accept excuses, only results "- anonymous

If your efforts have not produced result, your business is not generating benefits you expect,
 or relationship with a partner who was falter,
remember back on commitments beginning at the time you set purpose.

Hold on commitments them. A goal fails, 
project is not completed, the relationship who dropped out, due to breakage a commitment. It's that simple, deep,
and that's as important as a commitment.

Success is the result of creating and keep your commitments and others.

A destination is irrelevant, dream there's no point and hope it is not more than a dream bubble,
until you are fully committed to make it happen.

Commitments inspires You spend his your best.

Commitment to the world you are serious about acting.
Commitment also protect and strengthen the credibility and reputation You.
Commitment gives you energy, momentum that never stopped, and the sense of pride that is not priceless.

Commitment also provides power. No matter what else we face, sickness, poverty, or disaster, we will not be distracted from our purpose.

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

1. Separate items / objects according to the calculation of economic
Choose items that really needs to be insured so you have nothing to lose. For example, if you intend to take fire insurance for your home and household furniture, then you do not need to enter the computer and all its accessories into the calculation. Why? Because the recovery value for the computer company 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 the insurance of motor vehicles (cars) the company's assets. If the cars to be insured are aged over 10 years, the economic cost of the insurance premiums will be greater. Another case if the company can set up his / her own self-insurance vehicle assets.

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

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

4. Give information clearly
Provide information about the object clearly will you insured to the insurer / insurance broker. Instead, ask for more information as the insurance products they offer. You can ask about the type of insurance, extensive warranties, rate premiums, deductibles (the amount of fees that you will pay before the insurance began paying compensation), discount or claim procedures.

5. Ask your insurance coverage (insurance coverage) is best
You should seek the broadest insurance bail before the insurance company issuing the insurance policy.
For example, for fire insurance Fire Insurance you can ask RSMD + + 4.1.A or 4.1.B earthquake (earthquake) + flood (flood). Property insurance for buildings, you can ask property cover all risks (PAR). If you want to insure a motor vehicle, ask your auto insurance covers all risks RSMD + 4.1.A, etc..

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

7. Ask the system "First Loss Insurance"
Especially for objects that have a value / number of very large, for example in the Rp100 billion, have the system of "first loss insurance" to the insurance so the premium you pay is not too big.

8. Ask the system "Adjustable Policy"
Value / amount of insurance stock merchandise typically exhibit different volume every day or every month. To fix this, you can ask the system "adjustable policy". With this system you will pay according to the volume / transaction really have done.

9. Read, thorough and asked
Carefully read and examine the content of the policy statement and its articles. Ask about the procedures that will claim you did before approving the issuance of insurance policies.
If there are errors in writing, whether the object of insurance or 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, have an original and a duplicate policy, complete with receipts as a sign of ownership and payment of insurance premiums

Hai now i want sharing about insurance motivation : There are 8 human needs related to finance (8 keys financial needs), among others:

1. Business Development (Business)
2. Cruises, Recreation
3. Education
4. Savings
5. Development of Assets
6. Health
7. Pension
8. Legacy

According to you, from the 8 needs above the needs anywhere you need? Is there anything you do not need, or do you need them?

If you ask me, the answer is "I NEED EVERYTHING!"

And I think, in your conscience definite answer with my answer, you need all of them, Right?

Now, let us suppose for a moment. Imagine in our lives, what will happen some time in the future. No one knows even one minute to the next-even we do not know what will happen. If we are exposed to risk (critical illness, permanent disability due to accident / illness, or death) is no guarantee of the eight requirements above will still exist for a wife / husband and our children?

Well, maybe I'm on the supposition is too heavy for you. I simplify it this way, would you drive a car from Surabaya to Jakarta without spare tires supplied. Or do you cross by boat Ferry boat with no life jacket or on the deck. If I give you a solution to buy a spare tire or a float without reducing investment, would you listen to the explanation I?

Well what do you think about the motivation of this insurance?

Business World is always close to the possible risk of experiencing conditions of uncertainty, could now become a booming business in one day can easily be hit by a disaster or serious problems that will force it to declare bankruptcy. When the conditions are never sure that the operation will continue to run to stay successful as time passes and more threats to the industry are posted. This condition is why it is important that an entrepreneur needs to prepare for unforeseen circumstances.

Insurance business is a good, nice, and a place to prepare for events that may be harmful to various risks. Moreover, the insurance business deals are so varied and abundant today. Thus, you'll be offered great deals. But choose for the insurance business is not an easy task, it needs a lot of information and decide wisely.

By taking the right decisions that an entrepreneur has given assurance of protection to business, here are some tips and tricks that are often used as a benchmark for a businessman in choosing protection insurance business, are as follows.

 1.   Compare prices and coverage packages. Insurance is not something you can easily choose from the display window. You should carefully analyze the packages offered to.
 2.   Making sure that you will get the best service possible at value for your money. This is why you are encouraged to study and compare first with each other all the quotes from insurance companies before making your decision.
 3.   Select a service package, not a separate insurance quote. The prices are definitely lower than offer separate bid packages. With a package deal that requires less money, you can get more insurance coverage for dual state that would include nearly all unforeseen difficulties that may be experienced by your firm.
 4.   Consult the experts. It is very much recommended action, especially if you are not experienced with the workings of the insurance claim. You can search for insurance consultants and brokers who know a lot about the trade. Learn from them, and understand how you can get what you need without the risk of its own.
 5.   Assessing the external environment, especially aspects that you can not control like the economy and nature. You can learn about the state of your business operations so that it's easier to imagine the insurance claim with the changing times. If possible, you may be wondering about the trends of the business industry you are in. Once you have a good understanding of what is happening and predicted fear of future business, you have no trouble choosing insurance quote.

So some tips to consider in selecting and ensuring that insurers with whom a business entrepreneur will be able to provide good protection, and good, make sure to choose a quality insurance with insurance company partners who already have a good operating history and a competent and reliable in insurance

Astra Insurance won three awards in Indonesia Business Insurance Award 2012. The three award categories obtain include The Most Reliable General Insurance for Astra Insurance, The Most Favorite Insurance category General Insurance Company for Astra Insurance, and The Most Favorite Insurance Motor Vehicle Insurance Product for Garda Oto.

"Receiving the award was happy and remind. Happy hard work Astra Insurance should be appreciated, reminding as it means the company has to work harder in the future to account for this appreciation has been given. Moreover, three awards at once," said Ida Rotua M. Sigalingging, Director of Insurance Astra after receiving the award recently in Jakarta.

The awards show was conceived as a consideration of the dynamics of the insurance industry is very fast and increasingly competitive market in this industry. Factors or variables were used to assess not only based on the service aspect, but also the financial performance of each company.

Based on the book Indonesia Insurance Watch 2012-2013 issued by Pustaka Bisnis Indonesia, Astra Insurance is still the largest general insurance company in the amount of total assets of Rp 5.845 trillion, an increase of 16:42%. General insurance companies with the biggest profit by net income of U.S. $ 703.322 billion, up 15.01% from Rp 611.543 billion. And general insurance companies with the largest underwriting income of Rp 1.744 trillion, an increase of 15:46% from the same period in the previous year.

Of the three above data, it was concluded that the Astra Insurance still be the number one in 2012.

Insurance What The Mean?

Insurance does not always equal investment from which a person can get his money back. It's not gambling. A gambler to take risks, while insurance offers protection against the risks that exist. Insurance is a way to share the risk with others.


Origins of Insurance

Insurance has been around for thousands of years. A form of credit insurance contained in the Code of Hammurabi, a collection of Babylonian laws that supposedly existed before the Law of Moses. To finance trading expeditions in the past, the ship owners obtain loans from investors. If a ship is damaged on the way, the owner is not responsible for paying back the loan. Because many ships safely home, interest paid by a shipowner sufficient to cover the risk of the borrower.

Similarly, in one of the world maritim most reputable insurance providers, Lloyd's of London, was born. In 1688, Edward Lloyd ran a cafe where the London merchants and bankers meet in a relaxed atmosphere for business. In this place that offers investors an insurance contract to write the names of the sailors sailors under a number of risks which they agreed to pay a sum of money, known as the premium. The guarantor is known in English by the term underwriter. Finally, in 1769, Lloyd's became the guarantor of a group that is growing to be a market leader in insurance underwriting risk shipping.


Today The Insurance

Today, when people buy insurance, they still share the risk. Modern insurance companies study the statistics that show the frequency of loss-for example, fire-workshop to predict what losses are likely to be suffered by their clients in the future. Insurance companies use the funds paid by many clients to compensate clients who suffered losses.

Do you need insurance? If so, what kind of insurance is right for your situation? And, whether you have insurance or not, what preventive measures can help you deal with the risks in life?

"" Insurance is easy entry of, but his insurance claims is difficult "," I pay a premium over the past two years, so the claims do not get paid, "or" Gee, I want to claim, but it is complicated, passed here and there. "Maybe that's a small part that is your minds, so you do not want to take an insurance policy.

Actually claim a right earned by each customer insurance. And of course the insurance company will pay the claim, when its liabilities of the customer fulfilled. Let us consider the mechanism of Claims, Claims that you'll get paid. And of course you are still antipathy / deny insurance so open-minded, so as immediately have the insurance policy.

The purpose of the claim is to provide benefits in accordance with the provisions of your policy. In order for claims to be processed and paid, note various important provisions regarding the filing of claims.

Before submitting a claim, make sure you have the appropriate benefits to those listed in your policy. Example: You only have life insurance only, it automatically if you file a claim hospitalization, certainly the insurance company not will pay the claim. So check and go back the insurance benefits you have taken, make sure you have insurance that will benefit you claim.

You must make sure, too, that your policy is still in a state of inforce / valid / active. So that you are always in a state policy inforce, make sure you make a payment / transaction on a regular basis (especially in the first two years, not until there is a hole).

Make sure also, Polis is not in the waiting period. That waiting period is a time of coming into force of your insurance coverage. Example: for the protection of hospitalization due to illness, such as diarrhea, dengue fever, urinary tract infections, typhoid, etc.. Waiting period is 30 days from the receipt of the insurance customers. Remember also that the requirement for a claim usually must be hospitalized, could be at least 1 x 24 minutes or 2 x 24 hours.

For those of you who use the card, immediately Number to the number listed on the card, so that the process is faster, or immediately contact your insurance agent. Definitely will help.

If you've ever policy lapse, make sure when submitting a claim, your policy is not in the waiting period and experiencing certain exceptions.

Make sure, too, claim that you're proposing is not an exception contained in the Policy. Example: You've had kidney stone surgery, well when you apply a policy, you are told to medical. And apparently the result medicalnya not good, so for the pain because of kidney stones are not covered. So if you make a claim because of kidney stones, auto insurance companies will not pay.

Well, after the above provisions fulfilled, the claim you filed MUST EQUIPPED with all the requirements and the required supporting documents.

So before the claim is made, check the criteria claim to be filed or contact your agent for help or you can consultant to MyClaimSource.com. After ensuring the above match, then as soon as possible to make a claim (claim submission), as it will speed up the claim process.

These General Stages of Claims Processing :
1) Claim Form completed by Insured / Participant / Policy Holder / Heirs (claims for death), to include a certificate from the doctor.

2) Insured / Participant / Policy Holder / Heirs submit documents supporting the claim to the insurance company, such as receipts, results of medical records, lab results, police report (if the claim for an accident), and other required documents.

3) Include Policy Number and Account Number with your right, and Signed Claim corresponding signatures that exist within the policy, include a self-identity as well (Photo ID Card Copy / Driving License / Passport). So make sure you have included Policy Number and Account Number Policyholder a clear, complete and correct.

4) Insurance Company will do validation and verification of the supporting documents to the Policyholder / Insured / Heirs and the doctor or hospital if necessary.

5) If the results of the validation and verification by the insurance company are in accordance with the regulations, the payment of claims will be processed by the claims.

6) Insurance benefits will be paid / transferred to the Policyholder / Insured / Participant / Expert Waris.Value Of Trust

By looking at the provisions above, the claim is no longer a complicated issue, the claim is a simple problem. Insurance company will pay your claim. So, make sure you have the insurance policy as a sign and love to the family, wife, husband, and the fruit of your heart. And make sure you choose the Right INSURANCE AGENTS, besides the Right Company. or if you feel less confident with any information you can check the claims and consulting on MyClaimSource.com - information on filing claims online.

WHETHER known general insurance in your area or not, there is a type of insurance which everyone can and should get. Since the "insurance" can mean "a means to guarantee protection or security", how you can obtain such protection?

You can do this by taking practical steps to reduce the potential risk. especially in the field of business you reduce all forms is a major risk, particularly the risk of making losses or bankruptcy.

In this imperfect world, insurance can be a very useful tool, but there is no insurance policy that can fully protect or replace the losses we suffered. However, whether the insurance is available to them or not, there are people who believe that they will never be left alone. Why? Because, when disaster strikes, there is a third party to protect. Unavailability of adequate insurance for your business is a mistake because a disaster can shut down your company for ever, or at least destroy all of your assets

There are several things that make a company or individual is hampered to take out insurance for his business.

1. Thought Disadvantaged Pay.
Because many people to believe wrongly that they could not pay the insurance premiums. In fact, if the asset is considered very able to pay their insurance premiums, this assumption must be abandoned for the convenience of doing business in the future.

2. Lack of Knowledge About Business Insurance
In this era in some countries there are still many that have not penetrated the insurance business fields for so many entrepreneurs do not understand the importance of insurance for their business, That's also why many landlords, suppliers, and any other entity related to your business may require you to have insurance . Contact your insurance agent to find out about insurance for businesses, each agent would be happy to help give a presentation to your knowledge,

3. Never a bad experience with private insurance
Every person if ever had a bad experience will surely be taken and influence their environment, as well as insurance if someone has never had a bad experience in the insurance, then the bigger the person is no longer believed to will a good product for the areas of business insurance. There are some things that cause people to have a bad experience against insurance are:
- Never be fooled insurance agent
- Poor experience with the Claims
- Complicated process in which insurance companies sometimes annoying
- Misunderstandings with are taken Insurance Package

The example above is some of the complaints that are often issued to a person does not take insurance but if we want to try a little we can obtain accurate and reliable information from the following sources:

- Regions or cities officials
- Branch offices of local industry associations
- State insurance office

An insurance agent is usually tied to a particular insurance company. A broker or independent agent, to negotiate with various insurance companies to obtain the best insurance for a certain price. Both need to maintain good relationships with clients in order to stay in business. If an insurance agent can be trusted and attentive, he can be a big help for his clients.

First, a good agent or broker can help clients to choose the appropriate guarantees from the list of insurance choices seem endless. He will also explain the details of the policy to the client. As many people know, the famous insurance tricky. A president of an insurance company admitted that he did not understand the parts of the policyholder ownership of her own!

Explanation of an agent can help clients to avoid surprises are not pleasant. For example, most property insurance policies and health have not full protection. This is a set amount that the insured must pay-for instance, for vehicle repair or medical bill-before the insurance company pays its share of the claim. Agents can also be a conection with the insurance company if the client has difficulty in obtaining payment.

So choose a reliable insurance agent and can be trusted, and if possible find someone you know who works in the insurance agents or insurance agents have relationships with insurance so your relationship can get a good bridge from an agent that you trust

Insurance is based on the principle of paying money now to protect your financial future, so it is not surprising that the insurance industry attracting more fraudsters. This happened in the developed countries and developing countries. Therefore, it is wise to be wary of so-called low-cost insurance (insurance that offers insurance for a small fee) and be wary of any other insurance plan are dubious. There are so many hopeful buyers who ultimately did not get anything when the companies can not pay their policy-or just disappeared!

So, just like buying other important matters, it is wise to make a price comparison, and this often saves money. For example, some companies offer lower prices for health insurance for people who do not smoke and vehicle insurance for people who have passed the driving course. However, how a prospective buyer can find a reliable insurance?

The first step is to find out what other people experienced with various companies and insurance agents. Friends and neighbors may know the reputation of a company about the service or the reputation of an agent's honesty and personal interests. Also it is good to remain responsive to news reports that indicate which insurance company is in trouble.

In addition, the history and financial situation of a company can be checked by looking at your insurance ratings in the library, bookstore, or the Internet. It can provide answers to questions such as: Is the company financially secure? Is the company was successful in his business over the years? Whether the company is known to handle claims quickly and without fuss?

However, your insurance ratings should not be necessarily true. An insurance company's long-standing and with assets of up to billions of dollars to be taken over by the government just a week after the company was incorporated in the ratings companies that excel in a famous guidebook!

A lot of insurance purchased consist of several categories, including property insurance, liability, health, disability, and life.

Property Insurance: Protects against loss of property-house, business, vehicle, or other property-is one of the most common forms of risk management. This type of insurance is often ignored, resulting in losses due to natural disasters or accidents.

Some home insurance policies include protection of certain items in the house. If this is the type you purchase, it is wise to make a list of items in the home that you are insured, if possible including photographs or video footage of these items. This list, along with the estimated value of the item or a receipt for purchase of goods should be stored in a secure location that is not in your home. Having these records can make filing a claim easier.

Insurance liabilities: Anyone drive a car, own a home or other real estate, running a business, or hire someone else has a duty in the form of an accident risk. And, the accident may result in damage to property or injury or death to others. The driver or owner of the property or business can be liable to pay for property repairs, medical care, or even the suffering of others. In many countries, employers and the law required car owners to have liability insurance to help pay these costs. Even in places that do not require insurance, a vehicle owner, property owner, or the employer should be held legally and morally responsible to help accident victims or their families.

Health insurance: Many countries have some form of state-sponsored insurance that provides benefits such as pensions for the elderly and medical care. Nevertheless, this kind of insurance only pays a portion of medical expenses or for certain medical treatments. Because of that, some people find private insurance to help them pay for the rest. In many places, workers receive health insurance as a condition of their employment.

Some health care programs, including managed care settings and health-keeping organizations (Health Maintenance Organization / HMO), providing comprehensive medical care for a monthly or annual fee specified. These organizations seek to reduce costs by providing medical care that is not expensive and with the introduction of preventive treatment. However, in an HMO, physician and patient choice for treatment can be more limited when compared to regular health insurance.

Disability insurance and life insurance: disability insurance provides income if one is injured and can not work. Life insurance provides financial assistance to people who have to be borne by someone if he dies. Insurance as it has allowed many families to pay off any outstanding debts and continue their routine lives after their main breadwinner injury or death.

IN SOME countries, certain types of insurance must be owned. In other countries, most types of insurance almost unknown. Moreover, the cost of insurance and the type of protection provided varies from one country to another country. However, the fundamental principle of insurance-sharing risk-remains the same.

Naturally, the more assets a person has, the more the loss. Similarly, a growing number of family responsibilities a person has, the greater the impact, if he died or disability. Having insurance can reduce a person's fears of the possibility of suffering loss of property or accidents that made defects.

However, is it wise to spend money on insurance though will probably never make a claim? Well, do have a spare tire is a wasted investment, even though the tire was never used? Costs incurred to purchase the spare tire can be useful to make the driver feel safe. Although financial compensation can not recover certain losses, it can compensate for the other.

With the above reasons had originally when the insurance did we really need, before we take out the insurance it helps us to know a few things first, is:

1. Types of insurance
2. Getting a reliable insurance company
3. Role of Insurance Agents

Observe the prior of three things above so that we get the insurance in accordance with the what we expected, and we will not be disappointed in the end after deciding to take a particular insurance.

I think if the "rating" google search above the title "7 Reasons Why You Will not Need Insurance"  high enough, words yes with different variants. This could be a "justification" for which the insurance is not important to you, at least for now.

Insurance becomes NOT IMPORTANT if you answer 7 questions below with the answer "NO", from now on:

1. Do you want to maintain your current lifestyle after retirement?
2. Do you want to get quality care when you are sick?
3. Do you want your children to get a quality education?
4. Do you want to pass on something of value to charity?
5. Do you want Guarantee Income Security in the coming years?
6. Do you want to avoid the crisis, because they do not have money?
7. Whether you want to insure your investment,  it can be enjoyed by wife and your kids?

Thanks to those of you who said "NO". For those of you who answered "yes", I believe, whether you, I, and all of us definitely want a glorious future, your children get a quality education in accordance with his ideals, help more people and bring happiness to those those we love.

It requires financial planning or insurance planing to achieve that goal. One way to realize the 7 questions is to have the Insurance Account.

When faced with a big brand or a big brand is a leading brand in its category and the target is the target mass, then there are some simple things in Product Marketing Strategy to be considered by every media planner.

It needs to be discussed with the client, exactly as a recommendation or can also be a "warning" for the clients and also for Advertising agency media planner concerned before making pages and pages of detailed analysis slide.

In Indonesia leading brand that targets its products to the target mass must use the television as the primary medium in communicating with the target advertiser. One measure of success for the achievement of the target audience much achieved in such communication is TARPs (Target Audience Rating Points). Moreover TARPs may also indicate how frequently the target audience exposed to advertisements delivered via TV.

The greater the number of TARPs showed the more the target audience who see the ad or the more often your ad seen by the target audience. From the analysis of the media, it is stated that in mind advertising opportunities likely to be higher than its competitors lower TARPs.

Because it must always maintain the leading brand TARPsnya levels in total each year, higher than its nearest competitor competitors, especially if you do not want the opportunity to remember or awareness of her taken by competitors.

Several leading brands have been doing this every year that has a total TARPs greater than its competitors. From the analysis of the data, see also the case that competitors are trying to take over the leading brand TARPs levels. If this happens then the advertising agency or media planner should give warning to the client, because if it is left in a long time, then it is likely the presence of leading brand in the minds of the target audience will be distracted or defeated by its competitors and clients and the media planner must be aware more fatal consequences that the position of the brand in the market could be disrupted due to this factor.

TARPs total every year that should receive attention at the beginning and the basis for making marketing strategies more product details such as scheduling, selection of stations, programs, showtimes, qualitative considerations and others

In your financial planning, you ever think of for the next year, or 5 years or 10 years?

Have you have financial goals for your future?

When asked about this to the people on the street on average almost 75% do not have a definite purpose for the future. They live and work only for today and tomorrow while the day after tomorrow will be lot of rethinking. Custom cultures have to start thinking like that we change in order to prepare our future and our children will be ensured.

Cultural thought future purpose for financial freedom in our country only owned by the intellectuals and professionals who have an average maturity of financial in the field of financial While the middle class is almost seldom have such a mindset.

Actually for Financial freedom there are some important points that we can make a benchmark and can we question ourselves whether we will choose freedom all or just one course, which pssti with financial planning or Fund Planing good will ease the lives of our future will come.

There are four important things that should always be setup as follows:

1. Emergency Fund 
2. Education Fund 
3. pension fund 
4. protection

Four things that greatly affect us financially in the future, so if we can plan and prepare from now why not.

Piecemeal we are raising money for a better future.