Giving can be its own reward? Yes!
Being leader of BonaResponds (coolest volunteer group in the world! Ok, maybe I am slightly biased) has led me into some interesting discussions on charitable giving. Some strict classic economists have argued that charity and other selfless acts do not make economic sense. To that argument I always remind them that people (and I guess monkeys too!) maximize utility and not money. Here are some recent articles that give further credence to the charitable giving can be economically justified and what at first glance appears irrational may be just the would-be economist looking at the wrong metric.
Neural Responses to Taxation and Voluntary Giving Reveal Motives for Charitable Donations
" consistent with warm glow, neural activity further increases when people make transfers voluntarily. Both pure altruism and warm-glow motives appear to determine the hedonic consequences of financial transfers"
Monkeys Enjoy Giving To Others, Study Finds:
"Researchers at the Yerkes National Primate Research Center, Emory University, have shown capuchin monkeys, just like humans, find giving to be a satisfying experience. This finding comes on the coattails of a recent imaging study in humans that documented activity in reward centers of the brain after humans gave to charity."
NowWeAreTalking offers still more evidence of the benefits of giving homes loans
"...researchers at the University of British Columbia and the Harvard Business School found that individuals report significantly greater mortgages happiness if they make charitable donations or give gifts to others rather than spending on themselves (March 21 edition, Science)."
Which is really just to say that some of the things that appear irrational, are actually rational when utility and not just risk and return are considered. Need other examples? Excess trading, buying high flying stocks to be able to brack about them, even lottery tickets if they allow you to dream of winning big.
BTW if all of this talk about giving makes you want to be happier, BonaResponds is always ready to accept any and all donations of money, food, tools, just about anything. As the leader, I will guarantee it gets put to good use!
Do you need an urgent cash loan? Are running out of cash and need the fastest, the easiest, and the most secure to get quick cash advance or pay day loans? Then you must be looking for Urgent Cash Loan, an online Pay day and cash advance loan service provider
Many people nowadays are experiencing cash shortage and want to have the fastest way to solve their financial problem. But trying to apply for loans, another problem emerges first cash advance payday loans, most often it is the time constraints. Most of the loans took weeks to be approved! So, if you really want to solve your financial problem, just try Urgent Cash loan.com and they will give you the best solution. They offer cash advance and payday loans, which means a good opportunity for those who need an urgent or quick cash, loans or payday loans. The best thing also about Urgent Cash loan.com is that they have the easiest and the most secure way of online transactions. You don’t have to find lender because they will find it for you! Hustle-free transactions are offered here!
So what you are waiting for? If you want to get the fastest cash loans you want, then try Urgent Cash Loan.com! Quick Cash is available for you while avoiding
Tuesday, September 23, 2008
In the waning days of the housing-market bubble, lenders lowered their standards, and that made the downturn worse. There is growing evidence that standards also came down for bad credit card loans, and rapidly rising default rates could be the next dilemma for the staggering financial sector.The amount of auto loans that were past-due or written off as a loss moved sharply higher in the last part of 2007, according to analysts.
2.06% of prime auto loans made in 2006 were more than 30 days past due in November, according to a Standard & Poor's Corp. survey. That past-due number for loans in their first year exceeds the historical high rate recorded in 2001 -- and it is well up from the 1.75% for prime auto loans made in 2005, S&P says.
The past-due numbers for loans made in 2007 are even worse than the 2006 credits -- a trend that exists for both prime and subprime loans, according to S&P. Labels: Loan
If you’re like most people, you don’t spend too much time thinking about death, or life insurance, but it is something that everyone should pause and consider once in awhile, especially if you are part of a family or group of people who rely on you either financially or for your other contributions on a daily basis. That is the purpose of life insurance - to enable those that you care about to continue on after you pass on to…other things.
Term Life
Term life policies are the simplest most straightforward type. Usually set for a certain period of time (5 years, 10 years, 20 years, etc.), this type of life insurance has the lowest premiums and pays a specified amount to your beneficiaries when you die. This type of policy simply allows your family to replace your contribution to the family (whether financial or otherwise) as well as take care of your final arrangements. Your premiums are set by the term you choose when signing up for the benefit and will not increase for the duration - though they may go up when the time comes to renew your policy for a new term.
Whole Life
Whole life insurance policies basically serve a dual purpose: They pay your beneficiary a set amount after your death as with term life insurance, however, whole life has the added benefit of building up a ‘cash value’ account at the same time. For this reason, premiums for whole life insurance are generally higher than just term life policies. This account is managed by the bank and with whole life policies you are usually free to cancel your policy at any time and receive the amount you paid into the tax deferred account back to you. Also with most whole life policies, sooner or later you will reach a point where you are completely “paid up” and no longer need to pay premiums (but are still covered for a death benefit).
So What’s the Bottom Line?
The Term life policy has its advantages in that you know your premiums will never increase, the premiums are generally very low, and the entire process is simple to understand. Whole life policies have an ‘added benefit’ of the cash account which is essentially tax-free savings up to a point. Also you know that after you’ve paid the increased premiums for a set time, they will go away. Whole life generally tends to be a “whole life” commitment to get the best benefit and value from it, while term life policies are for saving on your premiums and just being prepared for those sudden situations that may come up in anyone’s life. Whichever you choose, make sure you shop around for the best rate and policy that suits your needs.
Taken from : http://www.lifeinsurancerates.com/whole-life-or-term-life.html
Cash Value Insurance – Insurance that, in addition to paying out a death benefit, also accumulates cash value over time which may be withdrawn after a certain period.
More detail on Cash Value Insurance
Cash value life insurance policies come with a higher premium than other life insurance policies and this is due to the fact that part of your premium is put into an interest-bearing account for you—tax free—which becomes available to you after a certain period of time. These insurance policies are generally lifetime policies rather than term life insurance which is coverage planned only for a certain period of time (5, 10, 15, 20 years).
The Cash Value Account
All life insurance policies are somewhat different so you will want to check the specifics of a cash value life insurance plan before you sign any paperwork. A cash value policy pays part of your premium into an account for you where your money makes interest and grows for you until a certain amount is reached (again, check your policy). Once that amount is reached, you have the option of stopping premium payments altogether and keeping your insurance policy, or you can continue to pay into it to grow the cash value of the account. Technically this money is used in the same way a bank uses the money you put there in savings. The insurance company invests with it to their own ends while keeping your principal safe for you. This cash value account also has the advantage of helping to pay the higher costs of insuring you as you grow older, so your premiums do not increase.
Your Benefits From the Cash Value Account
Once you have paid into the cash value account for the specified period you have several options of what you can do with it. You can either:
- Stop making premium payments and let the amount in the account “pay” them for you. This does not decrease the principal amount in your account and keeps your life insurance policy active for you for the rest of your life for ‘free’.
- Continue making premium payments which will grow your cash account significantly for the future. Many people like to think of it as a second retirement account which, after a long enough period of making payments, could equal several hundred thousand dollars.
- Take Out Loans From the Account. This has the effect of making you your own lender. You can borrow money from the account, which may be taxed, and you do not necessearily have to pay it back. If you choose not to pay the loan back, the amount borrowed plus interest will be deducted from your death benefit if you die.
Other Things to Consider
Cash value life insurance policies have the added benefit of the extra account for your use once you have reached a certain amount deposited, but the higher premiums are criticized for some as not being worth it. Many agents recommend simply using a term life insurance policy and taking the savings in premium amount and investing it in other retirement portfolios to achieve the same effect as the cash value account. The downside to this, however, is that if your term policy reaches its natural end, renewing it or getting another policy could be significantly more expensive based upon your age. One of the benefits of a whole life, or cash value policy is that your premiums will not change as you get older, so if you begin a policy when you are relatively young, you will be paying next to nothing (or literally nothing) for life insurance through the rest of your life. The increased premium that you pay now could balance out later in life when others are paying higher premiums to renew their term life policies - and do not have the cash value account.
Another consideration for cash value insurance is that there may be a substantial penalty for canceling your policy early. Early is defined as the period before your cash value account is fully paid for. Once your cash value account has matured through your making enough premium payments, you may cancel your account at any time, though doing so may not be the wisest move since you have already invested a good deal of money into the policy and essentially may now keep it for the rest of your life without paying another dime.
http://www.lifeinsurancerates.com/cash-value-insurance.html
Most applicants are generally aware of how their life insurance premiums are calculated, in that the premiums reflect variables like age, health status, lifestyle, etc. However, very few people understand the actual risk assessment process that life insurers go through when evaluating applicants for coverage. An applicant’s information is assessed and classified based on algorithmically-based insurance tables. The applicant’s premiums directly depend on his/her classification according to these tables. To understand the risk assessment process, though, you must first understand how insurers formulate the tables and determine the exact premium the insured must pay. In this post, we will offer a window into the life insurance risk assessment process and how it affects premiums.
Quantifying Risk
Insurers define risk as the likelihood of loss. When you purchase an insurance policy, the risk of loss is transferred from you to your insurance company. To make the transfer of risk a profitable endeavor, insurers have to figure out the number of losses that will occur. However, this is impossible to do on an individual basis, so insurers instead rely on the statistical principle of the law of large numbers. In doing so, they are able to predict fairly accurately how many losses will actually occur within a group of individuals.
The Law of Large Numbers
A life insurer has no way of determining which individual policyholders will die, but as the sample or group becomes larger, the predictions become more and more accurate. With statistics, the insurer can accurately predict the number of policyholders that will pass away within a large group. This is where the law of large numbers comes into play: the bigger the group, the more accurate the prediction of future losses over a certain period of time will be. A good example of the law of large numbers if the flipping of a fair coin. If you flip the coin only two or three times, you will likely get skewed results that inaccurately favor either heads or tails. However, as the number of trials increases, the frequency of heads or tails will get closer and closer to 50%. The law of large numbers is critical in the insurance industry because it guarantees consistent results over the long term for otherwise random events.
Exposure Units
With insurance, an exposure unit is the piece of property or individual that is insured. For the law of large numbers to work, insurers must combine a large amount of homogeneous exposure units. Applied to life insurance, the exposure unit is the monetary value of the policyholder’s life. As the number of exposure units in a group increases, the amount of error in predicting losses drops. Insurance companies focus only on average risk because, in doing so, the extremes of the loss spectrum cancel each other out.
Actuaries
Actuaries are mathematicians who collect and evaluate statistical data related to risk and exposure units. It is this data that is the basis for the formulation of life insurers’ morbidity (sickness) and mortality (death) tables. Using these tables, actuaries predict the likelihood of future losses resulting from death and illness. The tables factor in many variables that can raise or lower the loss risk, such as age, medical history, tobacco use, etc. Each applicant is classified and his/her premiums are determined according to where his/her profile falls based on the tables.
Where Premiums Come From
So how does the risk assessment process finally translate into the premiums that an applicant will pay? Basically, premiums are what a life insurance company charges in order to provide for expenses, profits, and the cost of anticipated losses. The amount of loss expected is based on the insurer’s past experience with average risk. Of course, some applicants will far outlive their life expectancy, and thus will pay premiums for a much longer time than expected. However, for every applicant like that, there is also one who will die prematurely after paying premiums for only a very short period of time. Consequently, both the high and low extremes negate each other, which leaves the average risk as the basis for determining expected losses.
Taken from : http://www.lifeinsurancerates.com/risk-assessment-revealed.html
Money Making Tools For Networking, Direct Sales and Home Based Businesses
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Be a Successful Entrepreneur - 3 Free Marketing Ideas That Work
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Term insurance provides protection for a limited period of time, such as 10, 15, 20, or 30 years, and pays a benefit if the insured dies during this period. Although term policies do not accumulate cash value, many do offer a feature that allows you to convert to a permanent policy within a certain time. This can be beneficial if you'd like to buy a permanent policy but your budget right now does not allow it, or you like having the option to convert to a permanent policy later on.
Term Essential® is a budget-friendly entry into insurance, with premiums that remain the same during the initial period and an option to convert the term policy to a permanent one.
- Premiums remain the same for your choice of 10, 15, 20, or 30 years. We guarantee it!
- If you continue coverage beyond the initial term, premiums are not guaranteed and will increase annually to age 95 (80 in New York), but will never be more than the maximum stated in the contract.
- The policy can be converted to a permanent policy.
- Premiums remain the same for your choice of 10, 15, or 20 years. We guarantee it!
- If you continue coverage beyond the initial term, premiums will increase annually and are guaranteed to age 95 (80 in New York).
- The policy can be converted to a permanent policy. This is available to age 65 or 5 years from issue, whichever is later.
- If you convert the policy to a permanent one within the first five years, you can receive a credit, which is applied toward the permanent policy's first-year premium.
- Premiums remain the same for your choice of 15, 20, or 30 years.
- If you continue coverage beyond the initial term, premiums will increase annually and are guaranteed to age 95.
- Your out-of-pocket premiums are guaranteed to be returned to you at the end of the level premium period. Any loans taken and not paid back plus interest owed on loans will be subtracted from the amount returned to you. Note: any premiums waived under the Waiver of Premium will not be returned.
- The policy can be converted to a permanent policy. This is available to the earlier of age 65 or 10 years from issue, with a minimum period of 5 years from issue.
- You must be alive at the end of the selected level premium period and the policy must still be in force at the end of the policy term you selected for you to receive the return of your premiums.
Term Elite®, Term Essential®, and Return of Premium Term are issued by Pruco Life Insurance Company, an AZ corporation, except in New Jersey and New York, where the issuer is Pruco Life Insurance Company of New Jersey, both located at 213 Washington Street, Newark, NJ 07102. Policy form numbers are PLTI-2007, PLTIC-2007, and PLTIR-2006, respectively. Both are Prudential Financial companies. All guarantees are based on the claims-paying ability of the issuer. Each company is solely responsible for its own financial condition and contractual obligations.
Life insurance policies contain exclusions, limitations, reductions in benefits and terms for keeping them in force. Your licensed financial professional can provide you with costs and complete details. The issuing company may have the right to contest the policy for misrepresentation or to apply a suicide clause.
Source : http://www.prudential.com/view/page/public/11385
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Source : http://www.prudential.com/view/page/public/11385
4 Simple SEO Tips For Better Search Rankings and More Traffic
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If you're like most people, you're looking for ways to drive more organic search traffic to your web site by getting higher search engine rankings.
It seems like everyone has an opinion on how to get these top rankings with proper search engine optimization. Unfortunately, you have no idea what to believe. After all, it all sounds good.
So how do you do it?
Here are four really simple SEO strategies you can put in quickly that will help you increase your search engine traffic.
1. Perform proper keyword research
Grab every keyword that is relevant to your site.
Think of keywords that may describe your product or services, even words relating to geography, accessories, relevant industries and even uses for what you're selling (think photography keywords if you're selling digital cameras).
2. Build A Great Site
A great site doesn't have to be fancy. It doesn't have to be more than basic HTML. It just needs to be easy to navigate so your visitors can find what they are looking for on your site without feeling overwhelmed or lost.
Use title and meta tags, a sitemap and natural-word URLs. A clean site without a whole lot of code is more friendly to the search engines.
3. Get Links
Quality links to your site plays a huge role in how high your site will rank in the search engines.
Develop a good web 2.0 link building strategy and start generating links from sites like Digg, Propeller StumbleUpon, Hub Pages, EzineArticles, and Blogger.
4. Manage Your Keyword Traffic
Once you are getting traffic to your site you need to analyze your stats.
After awhile, you'll be amazed at the number of keywords being used to find your site that you didn't even create content around because you didn't find that keyword or they keyword tools said they would get very little traffic.
Source : SEO Labels: Free E-Books, TutorialHealth Insurers Offer to Accept All Applicants, on Condition
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WASHINGTON — The health insurance industry said Wednesday that it would support a health care overhaul requiring insurers to accept all customers, regardless of illness or disability. But in return, the industry said, Congress should require all Americans to have coverage.
The proposals, put forward by the insurers’ two main trade associations, have the potential to reshape and advance the debate over universal health insurance just as President-elect Barack Obama prepares to take office.
In separate actions, the two trade groups, America’s Health Insurance Plans and the Blue Cross and Blue Shield Association, announced their support for guaranteed coverage for people with pre-existing medical conditions, in conjunction with an enforceable mandate for individual coverage.
In the absence of such a mandate, insurers said, many people will wait until they become sick before they buy insurance.
Members of Congress said Wednesday that they wanted to pass legislation next year, as proposed by Mr. Obama, to expand coverage and rein in health care costs.
The new position taken by the insurance industry — the industry that helped sink President Bill Clinton’s plan for universal health coverage in 1994 — could ease the way for passage of such legislation.
But the industry’s position differs from that of Mr. Obama in one significant respect. Insurers want the government to require everyone to have and maintain insurance. By contrast, Mr. Obama would, at least initially, apply the requirement only to children.
In the race for the Democratic presidential nomination, that was a major point of contention between Mr. Obama and Senator Hillary Rodham Clinton of New York. Mrs. Clinton said that everyone should be required to have coverage. Mr. Obama said he wanted to be certain that insurance was affordable and available to all before considering such a broad requirement.
Asked on Wednesday for reaction to the insurance industry’s proposals, Tommy Vietor, a spokesman for the Obama transition team, said, “We are declining comment.” Mr. Vietor cited Mr. Obama’s view that “we have only one president at a time.”
In many cases, people with cancer, diabetes, traumatic brain injuries or other serious afflictions have found that they cannot obtain health insurance at any price.
Research suggests that some insurers turn down 10 percent or more of applicants for individual coverage because of their pre-existing medical conditions.
Donald G. Hamm Jr., president of Assurant Health, explained why the industry thought an individual mandate must be coupled with any ban on such underwriting practices.
“In the individual market, people can choose whether or not to apply for coverage,” Mr. Hamm said in an interview. “If they know they can obtain coverage at any time, many will wait until they get sick to apply for it. That increases the price for everyone.”
Insurers say that is just what happened in several states that prohibited insurers from turning down applicants on the basis of their health status.
The new policy statements are silent on two important issues: how to enforce an individual mandate and how to regulate insurance prices, or premiums.
While insurers would be required to sell insurance to any applicant, nothing would guarantee that consumers could afford it. Rate regulation promises to be a highly contentious issue, since it pits the financial interests of insurers against those of consumers.
At present, insurance premiums are generally regulated by the states and often vary according to a person’s age, sex, medical history and place of residence within a state. In the individual market in most states, a person with a history of serious or chronic illness can be charged much more than a healthy person of the same age and sex.
Mr. Hamm, a member of the board of America’s Health Insurance Plans, said the group might offer recommendations to define “a fair and appropriate rating structure.”
Alissa Fox, a vice president of the Blue Cross and Blue Shield Association, said the individual mandate was an indispensable corollary of any approach forbidding insurers to reject applicants because of health status.
“Insurance works best when everyone is in the pool,” Ms. Fox said. “You need healthy people in the insurance pool to help pay for sicker individuals who are much more motivated to buy coverage.”
Insurers did not say how the government should enforce an individual mandate: whether through fines, tax penalties or other means. Politicians have also been reluctant to specify details of enforcement, which could prove highly unpopular.Taken from : http://www.nytimes.com/2008/11/20/us/20health.html?_r=1&ref=business&oref=slogin Labels: Insurance
As life expectancy increases, so has the age at which 'life begins' – with many people supporting the idea that 'life begins at 50'. Unfortunately, travel insurance companies disagree. Or at least that is how it seems, considering how rapidly premiums rocket for those who are 50 or over. And as for those who are over 70, many "are shocked to find travel insurers unwilling to provide cover at prices they can afford", says Kara Gammell in The Daily Telegraph. So how do you find affordable travel insurance that won't leave you high and dry if you fall ill on holiday?
Consumers need to think of travel insurance as something they should tailor to their own needs, rather than an off-the-shelf product, says The Daily Telegraph. So one of the simplest ways of reducing the premium is to look carefully at the levelof cover you are being offered and then decide whether you actually need it all within the policy. For example, if you are travelling to Europe, opt for European cover rather than worldwide cover, as the latter includes America, where litigation and medical costs can push up the cost of cover. Also, consider covering personal possessions under your home insurance – and, as always, shop around for the best deal.
The first difference lies in the akadnya. In the Sharia bank, all transactions must be based on the contract that allowed by the sharia. Thus, all transactions must follow the rules and regulations that apply to the contract-contract muamalah sharia. In a conventional bank, the opening of the account transactions, both giro, savings and time deposits, based on the agreement points, but the principle points are not in accordance with the rules of sharia, for example wadi'ah, because the gyro products, savings and time deposits, promising benefits to the level of fixed interest the money paid.
Second, there are differences in the benefits provided. The Bank uses the concept of conventional costs (the cost concept) to calculate benefits. This means that the interest promised in advance to the depositor is a customer fee or fees must be paid by the bank. Therefore, the bank must "sell" to other customers (borrowers) with the cost of higher interest rates. The differences between them called the indicative spreads whether the company is fortunately or loss. If it spreads positive, in which the burden of interest charged to borrowers from higher interest rates given to depositors, it can be said that the bank's benefit. Conversely also true.
Meanwhile, the bank sharia use the profit-sharing approach, meaning that the funds received will be distributed to bank financing. The benefits of financing is split into two, to the bank and to customers, based on profit sharing agreement in advance.
The third difference is the target credit / financing. The depositors in the bank is not a conventional aware that saved money loaned to various businesses, regardless of halal-illicit business.
Meanwhile, the sharia banks, savings and the distribution of the community are limited by basic principles, namely the principles of sharia means that the loan can not be to such illicit business, gambling, drink underway, pornography and other businesses that are not in accordance with sharia.
An Indonesian island located near the Indian ocean Bali is the most sort after tourist destination. Considered as a vacationers paradise Bali is the home to the discerning travelers. This beautiful island will take your breath away the moment you land in Bali. The picture perfect scenery, the rice paddies, the volcanoes, the warm water of the sea, the sandy beaches, friendly people-Bali is the perfect painted backdrop island.
The hospitality of this island can be experienced in the hotels of Bali. It is easy for travelers to find a place to stay in Bali. You have the option to choose from the budget fit hotels to the luxurious hotels in Bali. There are lots of luxury hotels in Bali which offer state of art facilities and excellent service. There are luxury hotels like Ubud Hanging Gardens, Bali Hyatt, Grand Hyatt Bali, Four Seasons Jimbaran Bay Bali which are the located here in Bali to offer a comfortable stay. The Bali Luxury Hotels are an epitome of luxury providing excellence in service and facilities.
Provides a list of some the major advantages that buying a franchise can offer individuals who want to become a successful small business owner.
As a franchise sales consultant and Business Broker one of the most frequent questions I receive from individuals who are considering becoming a business owner is why should I buy a franchise versus starting a new business from scratch. My answer is that franchising can generally offer a number of distinct advantages to individuals who want to start and run their own business including the minimization of risk, comprehensive training & support, marketing assistance, a proven business model, and more. Overall the advantages of buying a franchise can generally offer an individual a greater chance of becoming a successful small business owner.
Google AdSense, is a business number 2, which most recomended in my list of my portfolio online business. Besides free, their income also very large, important and serious remain consistent to build your business.
Before I explain there is more you know him well, that google.com is currently occupying the rank 3 in the world range top sites and sites that get the most income. Still in first rank by the site yahoo.com (2002, the inflow of the site is yahoo.com 5 billion dollars).
I do not know exactly how much income growth of the site google.com, but I believe their income count in the billions of dollars. From the billions of dollars Google's profit, Will you take replied only benefits?, May be just 0:01%, 0:02%% or 0:05?
How the Google AdSense.
You only place Google ads on your site, and you will be in the pay-per-click ads. google average pay for each click on the ads is $ 0:01 and $ 5.00
You may laugh if you hear how "small" google pay. But you try to think, if there are 50,000 clicks x 0:01? = $ 500 in ad rates that count most small ie $ 0:01
I quoted the following explanation adsense already in my life by Partners I Andargini Muhammad Rivai, from the site Vavai.com
Google AdSense
Google AdSense is a Google advertising program. Explanation nutshell, if we install the code of Google ads, ads will appear every visitor to the website / blog us. If visitors do click on one of your existing ads, we can get a fee from Google, from attending cents dollars to several dollars per click. Ads could appears in the form of text, images, combined text and pictures, video and the use of certain software (such as the Firefox browser).
What is easy is that? Yes and no. Google AdSense is the art to attract visitors. More convenience and value of Google AdSense is located on the relevance of the ads that appear. Without the need to deceive visitors, the ads appear in accordance with relevant content and theme of the post website / blog. Visitors are attracted by these ads can only do click on ads without any sense of the strange, because the ads that appear are related to the material read.
Complexity, there are many factors that support this success. Start from the ad placement, content to the post for the visitors to the ads that appear.
Google AdSense is one way to get money from the internet that are real and can be proven. Unlike with other models of money the Internet, there is no way to pass by can be successful with Google AdSense. Here are some of my suggestions to the bloggers who are interested in the Google AdSense:
1. Do not think turgid
Many people who joined Google AdSense-called normal-and Publisher AdSense thinking can get a monthly salary in large amounts. This makes them tend to take a shortcut to do things that violate the TOS (Terms of Service) Google AdSense.
Value of money obtained from the ad is clicked the amount varies. Can be only one of ten cents to U.S. $ dollar. It is also one to several dollars per click. In one day, can not do that, click on the ad (especially if only slightly). For people who want great results without hard work, of course, this is quite a thorn.
Do not think flowery questions AdSense. Indeed, there are many successful AdSense publisher, but many also failed. Think is simple. If you want to join with Google AdSense, make it as a challenge. Do not think money problems first. Challenges Google AdSense is, how do we fix the ad, placing it in position and the lay-out appropriate and interesting visitors in large numbers. Make Google AdSense as the media continue to fill a good article on the blog and media practice as a discipline in writing. The more articles, the more opportunities the increase of visitors blog. The more you know, the greater the opportunities in ad clicks.
If you get results from Google AdSense, brand it as a replacement cost of surfing, hosting, domain and a charge for articles that are made. Google AdSense checks are sent in multiples of U.S. $ 100, so, after the reduced cost of the transfer and disbursement checks, the value is still just enough to pay for the domain and hosting for 1 year. Interesting is not it?
2. The Success Requires The Time
Value reached U.S. $ 100 during the Google AdSense program can take a short but often need more time speaking month. If for 1 month you only get an average of U.S. $ 5 (much less than that, varied depending on the blog), you need 20 months to reach U.S. $ 100.
Do not take a shortcut by clicking on the ads themselves, or tell friends, relatives, colleagues and others to deliberately do click on ads. Google has the ability to detect cheating and you can be. Remember Google's motto, "Do not be Evil." If dibanned, the value of the money you earn will have been destroyed and blog or website you can not re-registered.
Patient on the results obtained. Results obtained reflect the value of your blog. If it is still minimal, that means we must focus more on efforts to improve the quality of writing articles and blogs.
3. Show all of your ability
Google AdSense publisher that successful usually learn a lot about how to fill the post with a variety of interesting things. How to place ads in the appropriate position. How the layout of the website / blog that good. How do I mix colors between ads and content of the website of sync and others. You can learn more about HTML, css (Cascading Style Sheet), Java Script, Engine Blog, website format and various other interesting things.
Then, learn how to present the website / blog is elegant and attract visitors. Fill with a variety of interesting things. Create a target number of visitors who want to achieve each month.
If you are interested in the Google AdSense, you can follow the following steps:
1. Listing on Google AdSense
You can register through the Google AdSense service URL http://www.google.com/adsense
2. Making Website / Blog
Blog is very easy to make, so this is more than I recommend. Blog website also true, only more personal and more simple than the general website. My advice, make a blog on blogspot service / blogger. This service is owned by Google. Can only use free blog service providers other, WordPress, for example. However, free WordPress not support Java Script, which is used for the AdSense code.
This blog can be made only to register a blog. Later, after the registration is received, we can use the AdSense code on the blog's other property.
If you have your own blog or even blog with the domain and hosting your own, there is no problem using your blog. Courtney, supports Java script and is eligible number 2 following:
3. Fill Website / Blog Post with the English Language
Until this is made, Google AdSense not support the Indonesian language. Fill your blog with a posting in English at least 5 posts. For the purposes of registration, use the copy-paste mechanism, of course, consider the conditions of the license on the website / blog that you copy.
Condition number 2, I recommend the blog owner to create a new blog used for the purposes of registration. Later, after the registration is received, code-adsense it can be used on an existing blog. I had declined to 5 times during ngeyel register with the blog in Indonesia :-).
follow the instructions provided. Fill with your data because the data and the email address used for payment.
4. Registration Confirmation wait 2-5 days
Google will give confirmation about the registration, both accepted and rejected in a period of 2 to 5 days. If rejected, repeat the procedure from initial registration. Google usually provides an explanation on the reasons for rejection.
If accepted, you will be given the address to take the adsense code to be installed on the website / blog. How to put adsense code depending on the engine's use. To which I use Serendipity, the plugin is available that is ready to use. Some blog engine also has a plugin that facilitates the installation adsense code. WordPress for example.
5. Make Improvement
Once the code is used adsense, do Improvement on the blog. Learn how to integrate Google AdSense with the layout that you use. To do creative blog visitors increased.
For solutions that you do not have the Website.
If you do not have a website, you can display your adsense ads in www.TheBestFive.com,
With Note: You write articles or articles to contribute to this site, and these articles can be any theme, and must use English as the language.
If your article in the load on this site, the article you, will you adsense ads appear.
How to register:
1. Please refer to www.TheBestFive.com,
2. Click the paper become the author.
3. Adsense and enter your ID, your ID adsense roughly like this: Pub-XXXXXX
4. Write articles.
5. When loaded, then your adsense ads will appear on the site.
Regard success and hopefully useful.
When applying for a life insurance policy, you may be asked to take a medical exam. Generally, if you’re under age 40 and applying for life insurance coverage of less than $100,000, you probably won't have to take a medical exam. However, the older you are, the less life insurance you can buy without a medical exam. Of course, these figures also depend on your health history and the underwriting guidelines of the insurance company you choose.
A typical medical exam may include a basic physical, blood work, and urine tests. Some insurance companies also require EKGs and/or treadmill EKGs (stress tests), especially for large life insurance policies. You'll also have to provide information on your medical history, including the names of doctors you've seen, dates you saw them, and any treatment recommended. A nurse or doctor (often an independent contractor) who is paid by the insurance company will normally conduct the exam.
If you have a medical condition, there's really nothing you can do to hide it. In fact, you shouldn't even try. Insurance companies have access to an amazing amount of medical information through the Medical Information Bureau, so even if you attempt to obscure the facts, there's a good chance an insurance company will find the information it needs. In addition, if the insurance company discovers you have withheld information, it will look at everything else much more closely. And if you died as a result of the illness, your insurance company may opt not to pay your death benefit.
There are a number of simple steps you can take to make sure you get the best possible results at your medical exam:
- Get a good night's sleep the night before the exam
- Fast for eight hours before the exam if possible to ensure the most accurate results
- Don't smoke for at least one hour before the exam
- Avoid caffeine for at least one hour before the exam
- Avoid alcohol for at least eight hours before the exam
- Don't engage in strenuous exercise for 24 hours before the exam
- Limit your consumption of salt and cholesterol for 24 hours before the exam
- Cancel the exam if you get sick – even a minor infection can distort the results
Gap high cliffs flank children stairs toward the mouth of the cave Seplawan located in one of the top Menoreh in Mountain Village Donorejo, Subdistrict Kaligesing, Purworejo regency, Central Java. Hundreds of children household help to decrease its way toward the mouth of a cave filled stalaktit and Stalagmite it.
The ancient mountains that have been established since tens of million years that extends from Kulon Progo, Yogyakarta, to Purworejo regency, Central Java. The process has been the natural evolution of the mountains that form the surface in such a way that presents a panorama of natural wonders. At the peak of the mountain-top, there are a number of cave, such as Goa in Kiskendo Kulon Progo, Goa Seplawan in Newton Aycliffe, and the results of a number of artificial grotto culture in ancient time around Queenstown.
Seplawan cave that is at the height of approximately 800 meters above sea level is quite interesting. The mouth of the cave resembles the funnel splay at the top and narrow at the neck. The surface of the mouth of the cave is quite broad and sloping evolutif to be continually widening due to erosion. Erosion occurs in the mouth of the cave, for example, direct "swallowed" by a cave-shaped neck upright, like wells. Diameter neck cave is 15 meters, with a depth of around 12 meters.
First is not easy to reach Goa Seplawan. Just a few years, these people can be easily explored it. Before be, the basic cave is muddy and watery so difficult to explore. In any room in the dark. However, now the Government has Purworejo regency build footpaths, other than to provide lighting in the cave so that tourists can enjoy comfortable with the location.
Development facility is not simply consider the beauty cave, but more than that, namely because the cave Seplawan also leave impressions, the impressions the history of ancient civilization. In one altar in the cave walls, because there are parts that even resembles altar in the cave wall-gold statue was found at approximately 9 centimeters, with a rate of 22 carat gold. The statue consists of a pair of men and women who are hand in hand.
Believed, is the statue of Siva and Goddess Badrawati. Now the gold statuette is stored in the National Museum, Jakarta. As a sign that the statue was found in the cave Seplawan, didirikanlah replica of the statue in front of the cave mouth. Replica statue was built with a size far larger than the size that resembles the original monument.
When I return home, on the day of Idul Fitri my friend for me, that he will aspire to become entrepreneurs (Entrepreneurs). A year later I met my friend again, and then I asked "What is so businessmen." He said "not yet, I have my capital (capital)." Nevertheless, he still aspire to be entrepreneurs. On the day of Eid ul-Fitr next I met my friend again, and the iapun not become entrepreneurs. I remember the story hehe. He said in front of the King Aaron Ar-Rashid that he will be flying. Hehe hear the word of the King Aaron Ar-Rasid said in his heart "So this is my opportunity to defeat hehe." Then Aaron King Ar-Rashid said, "O hehe. What was katamu? ". "Sorry, the King, when the stage gave me a high, the servants will be flying from the stage" said hehe. "Let hehe, I will make a higher stage, but after the Friday prayer front of you should have been preparing to fly" said the King should be Ar-Rashid. "The servant ready to" answer hehe. A week later, after the Friday prayer, people have gathered in the plaza to witness hehe will be flying. Hehe wait to be king of the Ar-Rashid under the stage around the tower 12 meters high. Shortly Aaron King and the Ar-Rashid arrived in the plaza that dielu welcome by the people, then approached hehe. "You are ready Abu?" Ask Aaron King. "It is the" responsibility hehe. Hehe then climb the stage to the high above. Then he was greeted with a standing-please please panic, "How hehe flying from the stage without bringing any equipment. If the fall hehe surely die "gumam in their hearts. Hehe lift one foot and swing-ayunkan both hands like a bird will fly. Then replace the one who appointed one foot and tilt-sliding his hands again. The act was hehe repeated so that people feel bored hehe see the whimsy, and they cry "He said you will be flying. Kok only once. " Hehe replied "I only said I will be flying. During this I see. I will be flying now. " Aaron see him smiling behavior and answers hehe, and the feel lost. Hehe be given prizes. That is, if you will only become a businessman, then forever will be the only businessman and never become a businessman. This is because there are legal start a business.
Labels: BusinessBusiness have cash money, it is commonplace. But not true, I may start a business without money cash. Could we have started a business without cash? I think it may be. Why not? If we
able to optimize our thinking, it will be many roads that can be applied to the problem
for the capital, we can start a business. Only problem for the capital, we can start a business. only case, the money comes from? Logically, all the business that need capital money.
Indeed, most of us always complain that the lack of capital money as the reason why we "reluctant" to pay tribute. Actually, the most vital capital was not the money, but the non-physical capital.I am sure, if it can not be fulfilled, then the search for capital money is not a problem that is not possible, though personally we do not have the money. While we know that business opportunities have been there in front of the eye. Of course, how well, if we do not delay to start business . we know, that many sources of capital. Such as savings, money Pesangon, loans in the bank and the cooperative or from financial institutions or from other parties. However, if we had not have savings, or money say there is no courage to borrow money in the bank or cooperative, I think we also need not worry. Because there is a way to start a business, although we do not have the cash .For Example, we can become a mediator. For example, a interpose selling and buying a house, buy and sell motor and others. The advantage that we can be of the sales commission or other ways of the agreement with the owner's roducts. We can also create a business with the way consumers conduct
payment in advance. In this case, we can find a business where it targets the consumer business that we want or pay the money before the business, good services and products, it happens. For example, can done in the service business, such as education services industry. Where, students are required to pay first before the front the education process is also.for example, there are people who order the goods on us, but before the goods who ordered it so, the consumer has to provide advance first. This means, the same we have been given capital
by costumer.Still no other way start a business without our own cash. For example, using the system for the results. Typically, how much of this business model applied in Padang Restaurant. Where we as a people that have cooking, while patner business owners of capital as we work together and uang. We benefits that are obtained are divided in accordance with the agreement. Or we may want another way? Of course, there is.
For example, we can do with the system of barter with suppliers, and even if we have a certain expertise, why not just become a consultant. In addition, how can we take the first product that will traded, only for the payment can be done after the product is sold to consumers. Of course,
there are many other ways to start our business without money . therefore, I, we should not
need to lose heart or fear deemed low, when in fact we did not have the cash but gasp
to start a business. I am sure, we have the cash but keen to start a business. I am sure,
we have a great willingness to become an entrepreneur or Entrepreneurs, it will always be at least there is a way to start a business. In fact, few businessmen who do not have to reach success despite the start I have a business without money It shows that if there is not correct that says "I may we have started a business without cash. "However, to achieve quick success - especially without have the cash - it is not as easy as we are to reverse the palms. All require struggle.
Global crisis was reflected by difficulty some exportir to open the Letter of Credit (L/C) to United Stated of America (USA) and European market. Almost 50 percent of export contracts from Indonesia especially for long term contract was cancelled by the importir. Head of Indonesian’s Association of Enterpreunership, Sofwan Wanandi, said that the demand from USA and European market was decrease and it has been impact directly to our textile, shoes, electronic and fishenary sector. Some of these contracts agreement has been cancelled by the importir. Our exportir was begun difficulty to realize their export market to the overseas like USA and European market. It caused by no more L/C-guarantee from the importir. Some of the importir has been implementing some regulation for consignee system only for our products, it means that the payment will be realize if the products was sold. It is very worse condition for our exportir growth and the government must be solving the problem by quickly to guarantee the payment by another system. For the informastion that on August 2008, export value for non-migas sector was reached US$ 9,56 billion and US$ 1 billion was contributed by USA market.
Labels: News- Insurable interest
- The insured must derive a real financial gain from that which he is insuring, or stand to lose if it is destroyed or lost.
- The item must belong to the insured.
- One person may take out insurance on the life of another if the second party owes the first money.
- Must be some person or item which can, legally, be insured.
- The insured must have a legal claim to that which he is insuring.
- Good faith
- Uberrimae fidei refers to absolute honesty and must characterise the dealings of both the insurer and the insured.
Barack Obama was born at the Kapi'olani Medical Center for Women & Children in Honolulu, Hawaii,[1] to Barack Obama, Sr., a Luo from Nyang’oma Kogelo, Nyanza Province, Kenya, and Ann Dunham, a white American from Wichita, Kansas[2] of mainly English, Irish and smaller amounts of German descent.[3][4][5] His parents met in 1960 while attending the University of Hawaii at Manoa, where his father was a foreign student.[6][7] The couple married February 2, 1961;[8] they separated when Obama was two years old and subsequently divorced in 1964.[7] Obama's father returned to Kenya and saw his son only once more before dying in an automobile accident in 1982.[9]
After her divorce, Dunham married Lolo Soetoro, and the family moved to Soetoro's home country of Indonesia in 1967, where Obama attended local schools, such as Asisi, in Jakarta until he was ten years old. He then returned to Honolulu to live with his maternal grandparents, Madelyn and Stanley Dunham, while attending Punahou School from the fifth grade in 1971 until his graduation from high school in 1979.[10] Obama's mother returned to Hawaii in 1972 for several years, and then in 1977 went back to Indonesia, where she worked as an anthropological field worker. She stayed there most of the rest of her life, returning to Hawaii in 1994. She died of ovarian cancer in 1995.[11]
As an adult, Obama admitted that he used marijuana, cocaine, and alcohol when in high school, which he described as his greatest moral failure at the 2008 Civil Forum on the Presidency.[12][13]
Following high school, Obama moved to Los Angeles, where he studied at Occidental College for two years.[14] He then transferred to Columbia University in New York City, where he majored in political science with a specialization in international relations.[15] Obama graduated with a B.A. from Columbia in 1983, then at the start of the following year worked for a year at the Business International Corporation[16][17] and then at the New York Public Interest Research Group.[18][19]
After four years in New York City, Obama moved to Chicago, where he was hired as director of the Developing Communities Project (DCP), a church-based community organization originally comprising eight Catholic parishes in Greater Roseland (Roseland, West Pullman, and Riverdale) on Chicago's far South Side, and worked there for three years from June 1985 to May 1988.[18][20] During his three years as the DCP's director, its staff grew from one to thirteen and its annual budget grew from $70,000 to $400,000, with accomplishments including helping set up a job training program, a college preparatory tutoring program, and a tenants' rights organization in Altgeld Gardens.[21] Obama also worked as a consultant and instructor for the Gamaliel Foundation, a community organizing institute.[22] In mid-1988, he traveled for the first time to Europe for three weeks and then for five weeks in Kenya, where he met many of his Kenyan relatives for the first time.[23]
Obama entered Harvard Law School in late 1988. At the end of his first year, he was selected, based on his grades and a writing competition, as an editor of the Harvard Law Review.[24] In February 1990, in his second year, he was elected president of the Law Review, a full-time volunteer position functioning as editor-in-chief and supervising the Law Review's staff of eighty editors.[25] Obama's election as the first black president of the Law Review was widely reported and followed by several long, detailed profiles.[25] During his summers, he returned to Chicago where he worked as a summer associate at the law firms of Sidley & Austin in 1989 and Hopkins & Sutter in 1990.[26] After graduating with a Juris Doctor (J.D.) magna cum laude[27][28] from Harvard in 1991, he returned to Chicago.[24]
The publicity from his election as the first black president of the Harvard Law Review led to a publishing contract and advance for a book about race relations.[29] In an effort to recruit him to their faculty, the University of Chicago Law School provided Obama with a fellowship and an office to work on his book.[29] He originally planned to finish the book in one year, but it took much longer as the book evolved into a personal memoir. In order to work without interruptions, Obama and his wife, Michelle, traveled to Bali where he wrote for several months. The manuscript was finally published in mid-1995 as Dreams from My Father.[29]
Obama directed Illinois' Project Vote from April to October 1992, a voter registration drive with a staff of ten and seven hundred volunteers; it achieved its goal of registering 150,000 of 400,000 unregistered African Americans in the state, and led to Crain's Chicago Business naming Obama to its 1993 list of "40 under Forty" powers to be.[30][31]
Obama served for twelve years as a professor at the University of Chicago Law School, teaching constitutional law. He was first classified as a Lecturer from 1992 to 1996, and then as a Senior Lecturer from 1996 to 2004.[32] He also joined Davis, Miner, Barnhill & Galland, a twelve-attorney law firm specializing in civil rights litigation and neighborhood economic development, where he was an associate for three years from 1993 to 1996, then of counsel from 1996 to 2004, with his law license becoming inactive in 2002.[18][33][34]
Obama was a founding member of the board of directors of Public Allies in 1992, resigning before his wife, Michelle, became the founding executive director of Public Allies Chicago in early 1993.[18][35] He served from 1994 to 2002 on the board of directors of the Woods Fund of Chicago, which in 1985 had been the first foundation to fund the Developing Communities Project, and also from 1994 to 2002 on the board of directors of The Joyce Foundation.[18] Obama served on the board of directors of the Chicago Annenberg Challenge from 1995 to 2002, as founding president and chairman of the board of directors from 1995 to 1999.[18] He also served on the board of directors of the Chicago Lawyers' Committee for Civil Rights Under Law, the Center for Neighborhood Technology, and the Lugenia Burns Hope CenterTaken from :http://en.wikipedia.org/wiki/Barack_Obama Labels: News
One of the most popular tourist destinations in the world, Bali for few years awarded as the world best island by The International Travel Magazine. There, however, are still many people who do not know in depth about the uniqueness of Balinese culture. Life in Bali is always related to "Tri Hita Karana" or a tripartite concept that include the spiritual relationship between human and God, and their environment.
The rapid growth of development in tourism has had a big impact and influences to Bali tradition and lifestyle. Interestingly, Balinese culture is still as what it was, growing along with the of globalization. It is the Balinese civilization what makes the island different from other destination. Labels: Tourism
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