CHIP bill would help more Utah kids get health insurance

21:51 / Posted by - Dwix - / comments (0)

A bill passed by the House Wednesday to reauthorize the Children's Health Insurance Program (CHIP) for four-and-a-half years would help an additional 35,900 Utah kids get health coverage, reducing the ranks of uninsured children in the state by 34 percent, according to a new Families USA report.

The measure, which is expected to be taken up soon by the Senate, comes as many Americans are losing their jobs and their health insurance, said Ron Pollock, executive director of the not-for-profit health advocacy organization. For every 1 percent the nation's unemployment rate rises, an estimated 600,000 children become uninsured.

"The increase in coverage is rather substantial and it truly does result in a down payment toward broader health care reform," Pollock said in a news briefing Thursday.

More children would become insured, in part, because the bill would make it easier for the children of legal immigrants to get CHIP, he said.

Current federal law bans legal immigrants from public health insurance programs until they've been in the country for at least five years. After that, states can include the income of sponsoring families, making it difficult for many to meet income guidelines.

Karen Crompton, executive director of Utah Voices for Children, said while she is encouraged by the legislation, the state needs to redouble enrollment efforts. Even without the proposed expansion in eligibility, Utah's CHIP program, which has year-round open enrollment, is hardly full.

"We've got about 90,000 uninsured kids in this state. The majority are likely eligible for CHIP or Medicaid, so first, let's just get those enrolled," she said. "(Our) second job: Let's make a commitment to getting all kids covered as a first step in health system reform."

CHIP, created in 1997, was due to be reauthorized in 2007. Twice that year Congress passed legislation to continue the program and expand its scope, but President George Bush vetoed the bills.

CHIP has continued to operate under an extension expiring in March.

The expansion in coverage would be paid for by a 61-cent increase in the federal tobacco tax -- now 39 cents -- and by placing a restriction on doctors referring Medicare patients to physician-owned specialty centers, Pollock said.


source : http://www.sltrib.com

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Israeli forces shell UN office in Gaza

21:43 / Posted by - Dwix - / comments (0)

GAZA CITY, Gaza Strip – Israeli artillery shells struck the U.N. headquarters in the Gaza Strip on Thursday, setting a food warehouse ablaze and drawing a sharp rebuke from the visiting U.N. chief who called it an "outrage." Another Israeli bombardment killed Hamas' head of security.

The attack added to a day of deadly chaos pitting Israeli troops against Islamic militants. Terrified residents huddled in shelters and stairwells, or scooped up toddlers and fled on foot.

After nightfall, shells landed near Gaza City's Quds Hospital, where many families had sought refuge, and the building caught fire, forcing staff to evacuate hundreds of people. According to a hospital medic, some patients were pushed down the street on gurneys; a few held white flags.

Source : http://news.yahoo.com

The destruction added to what aid groups say is a humanitarian crisis in Gaza and ratcheted up tensions between Israel and the international community even as diplomats indicated progress in cease-fire talks.

Warfare continued Friday. Before dawn, Israeli aircraft struck about 40 targets all over Gaza, according to military officials speaking on condition of anonymity because an official announcement hadn't been released. No casualties were immediately reported.

Israeli Foreign Minister Tzipi Livni was departing Thursday night for Washington to discuss a Gaza cease-fire with Secretary of State Condoleezza Rice. The United States and Egypt have been working to forge an agreement to end 20 days of bitter fighting.

High-level Israeli envoy Amos Gilad discussed that cease-fire plan in Cairo Thursday with Egyptian officials. After he consulted with Israeli leaders on returning to Jerusalem, they ordered him back to Cairo Friday for further talks, Prime Minister Ehud Olmert's office said.

The U.N. compound, made up of workshops and warehouses as well as offices, was struck about a half-dozen times over a roughly two-hour period while more than 700 civilians were sheltering there, said John Ging, head of Gaza operations for the U.N. Relief and Works Agency.

The civilians were huddling in the compound's vocational training center when it was struck by a tank round or an artillery shell, causing the three injuries, Ging said. Throughout this time, he said, U.N. officials were frantically contacting Israeli officials to urge an end to the firing on the U.N. compound.

Olmert said Hamas militants opened fire from the U.N. compound. "It is absolutely true that we were attacked from that place, but the consequences are very sad and we apologize for it," he said. The military said it was still investigating.

The attack triggered a raging fire that engulfed a warehouse and destroyed thousands of pounds of food and other aid intended for Gaza's beleaguered citizens. Workers with fire extinguishers and Palestinian firefighters, some wearing bulletproof jackets, struggled to douse flames and tugged bags of flour from the debris.

Fuel supplies and cars in a garage also went up in flames.

Ging said the contacts with Israeli officials were made under a new liaison system aimed at preventing any attack similar to the shelling at a U.N. school in northern Gaza earlier this month that killed about 40 people. At the time, Israel said militants had fired on army positions from the area.

An Israeli airstrike killed Interior Minister Said Siam, a key figure in Hamas who oversaw thousands of security agents, Hamas TV said. A top aide, Siam's brother and his brother's family also were killed.

"We are talking about a key person in terms of logistics in the field, and also in the political sense," said Bassem Zbeidy, a Hamas expert in the West Bank.

He said Siam's death was a "huge loss for Hamas," but noted that the movement is easily capable of generating new leaders, often more radical than their predecessors.

Israel's intense assaults Thursday seemed to reflect an extra push to pressure Hamas negotiators into making concessions on a cease-fire and punish the militant group as much as possible before any end to hostilities.

Israel launched the offensive Dec. 27 to end Hamas rocket attacks on Israel. Gaza medics say about 1,100 Palestinians, half of them civilians, have died; 13 Israelis have also been killed.

U.N. Secretary-General Ban Ki-moon, visiting Israel, said Israeli Defense Minister Ehud Barak told him the attack on the U.N. compound was a "grave" error and apologized for it.

"I conveyed my strong protest and outrage to the defense minister and foreign minister and demanded a full explanation," said Ban, who arrived Thursday from Egypt.

Israel's chief military spokesman, Brig. Gen. Avi Benayahu, said the military had not clarified the incident and that an investigation was under way.

"If it becomes clear that we returned shots at the source of fire, we will say so, and if it turns out we operated by mistake, we will not hesitate to confess," Benayahu told Israeli television.

Ging described the Israeli claim as "total nonsense" and "typical misinformation."

He said his staff in Tel Aviv was told by the Israeli liaison office "that there were no militants in the compound. There were militants operating ... in the area, but no militants or any firing from our compound. That's the official position of the Israeli authorities that deal with us. It happens, to my knowledge here, to be representative of the facts."

U.N. officials said hundreds of people sheltering in the compound were forced to flee, and that the Israeli shells contained white phosphorus, an incendiary agent that can cause horrific injuries. After the shelling, fire spread to nearby fuel tankers in the compound, triggering another massive blast.

The U.N. compound distributes food aid to hundreds of thousands of Palestinians in the tiny seaside territory of 1.4 million people.

Ging said the U.N. had warned the Israeli military that the compound was in peril from shelling that had begun overnight. U.N. officials say they have provided Israel with GPS coordinates of all U.N. installations in Gaza to prevent such attacks.

The U.N. Security Council expressed "grave concern" and requested a briefing from U.N. officials.

"We are calling all parties to respect international humanitarian law and especially to ensure the protection of civilians," said Jean-Maurice Ripert, France's U.N. ambassador.

An artillery shell hit the Quds Hospital pharmacy, and another shell landed on its front steps early in the day. It caught fire after nightfall, forcing the evacuation.

"There's gunfire, and warplanes above us," medic Abdul Aziz Aishe said by cell phone as he and a group of people fled. Ambulances ferried them to another hospital.

Dr. Moaiya Hassanain, a Gaza health official, said at least 70 people were killed or died of wounds throughout Gaza on Thursday.

Israeli shells also hit five high-rise apartment buildings and a building housing media outlets in Gaza City, injuring several journalists.

Bullets hit a building housing offices of The Associated Press, entering a room where two staffers were working but wounding no one. The Foreign Press Association, representing journalists covering Israel and the Palestinian territories, demanded a halt to attacks on press buildings.

The army had collected the locations of media organizations at the outset of fighting to avoid such attacks.

Gaza City resident Sami Helu, 34, was evacuated by the international Red Cross after he, his wife and 8-year-old daughter sheltered from withering fire around their apartment in the Tel Hawwa neighborhood. During the escape, he saw cars and buildings gutted by fire, bomb craters, speeding ambulances and fallen electricity poles.

"I saw suitcases abandoned, I think from people fleeing the area," Helu said. "There was a car still running, there was some money inside."

Israeli police said 20 rockets hit southern Israel, injuring 10 people. Five of the wounded were in a car in the city of Beersheba.

Olmert's office said Rice telephoned him, and he told her Israel hoped Egyptian mediators could help bring about a cease-fire and an end to weapons smuggling. The statement said Rice, who leaves office Tuesday, told Olmert that the U.S. was willing to help resolve the smuggling issue.

The Bush administration was racing in its final days to negotiate a deal on American support for mediation efforts under which the U.S. would give technical support and expertise to prevent Hamas from rearming, said U.S. and Israeli diplomats.

The diplomats spoke on condition of anonymity due to the sensitivity of the talks.

Israel wants a total end to Hamas' rocket launches into Israel and an arms embargo on Gaza's militant rulers. Hamas has demanded an immediate Israeli withdrawal from Gazaborder crossings. and the opening of blockaded

"These are our demands and we don't accept any political movement that does not accept them," the movement's top political leader, Khaled Mashaal, said in a televised address from his headquarters in Damascus, Syria.

Ban said Israel was preparing to decide soon on whether to accept a cease-fire.

"I hope that decision will be the right one," he said after meeting Israeli President Shimon Peres.

In addition to the attack on the U.N. office, Israel shells landed next to a U.N. school in another Gaza City neighborhood, wounding 14 people who had sought sanctuary there, medics and firefighters said.

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Hikmah Shalat Tahajud, bisa atasi kanker?

00:44 / Posted by - Dwix - / comments (0)

Sebuah penelitian ilmiah membuktikan, shalat tahajjud membebaskan seseorang dari pelbagai penyakit. Berbahagialah Anda yang rajin shalat tahajjud. Di satu sisi pundi-pundi pahala Anda kian bertambah, di sisi lain, Anda pun bisa memetik keuntungan jasmaniah. Insya Allah, Anda bakal terhindar dari pelbagai penyakit . Itu bukan ungkapan teoritis semata, melainkan sudah diuji dan dibuktikan melalui penelitian ilmiah. Penelitinya dosen Fakultas Tarbiyah IAIN Sunan Ampel Surabaya, Mohammad Sholeh, dalam usahanya meraih gelar doktor. Sholeh melakukan penelitian terhadap para siswa SMU Lukmanul Hakim Pondok Pesantren Hidayatullah Surabaya yang secara rutin memang menunaikan shalat tahajjud.
Ketenangan
Shalat tahajjud yang dilakukan di penghujung malam yang sunyi, kata Sholeh, bisa mendatangkan Ketenangan. Sementara ketenangan itu sendiri terbukti mampu meningkatkan ketahanan tubuh imunologik, mengurangi resiko terkena penyakit jantung dan meningkatkan usia harapan hidup. Sebaliknya, bentuk-bentuk tekanan mental seperti Stres maupun Depresi membuat seseorang rentan terhadap berbagai penyakit, infeksi dan mempercepat perkembangan sel kanker serta meningkatkan metastasis (penyebaran sel kanker). Tekanan mental itu sendiri terjadi akibat gangguan irama sirkadian (siklus bioritmik manusia) yang ditandai dengan peningkatan Hormon Kortisol. Perlu diketahui, Hormon Kortisol ini biasa dipakai sebagai tolok ukur untuk mengetahui kondisi seseorang apakah jiwanya tengah terserang stres, depresi atau tidak. Untungnya, kata Sholeh, Stres Bisa Dikelola. Dan pengelolaan itu bisa dilakukan dengan cara edukatif atau dengan cara Teknis Relaksasi atau Perenungan/Tafakur dan umpan balik hayati (bio feed back). "Nah, shalat tahajjud mengandung aspek meditasi dan relaksasi sehingga dapat digunakan sebagai coping mechanism atau pereda stres yang akan meningkatkan ketahanan tubuh seseorang secara natural", jelas Sholeh dalam disertasinya berjudul Pengaruh Shalat Tahajjud Terhadap Peningkatan Perubahan Respon Ketahanan Tubuh Imunologik.
Tahajjud harus secara Ikhlas & Kontinyu
Namun pada saat yang sama, shalat tahajjud pun Bisa Mendatangkan Stres, terutama bila Tidak Dilaksanakan Secara Ikhlas dan Kontinyu. "Jika tidak dilaksanakan dengan ikhlas, bakal terjadi kegagalan dalam menjaga homeostasis atau daya adaptasi terhadap perubahan pola irama pertumbuhan sel yang normal, tetapi jika dijalankan dengan ikhlas dan kontinyu akan sebaliknya", katanya kepada Republika. Dengan begitu, keikhlasan dalam menjalankan shalat tahajjud menjadi sangat penting. Selama ini banyak kiai, dan intelektual berpendapat bahwa ikhlas adalah persoalan mental-psikis. Artinya, hanya Allah swt yang mengetahui dan mustahil dapat dibuktikan secara ilmiah. Namun lewat penelitiannya, Sholeh berpendapat lain. Ia yakin, secara medis, ikhlas yang dipandang sebagai sesuatu yang misteri itu bisa dibuktikan secara kuantitatif melalui indikator sekresi hormon kortisol. "Keikhlasan Anda dalam shalat tahajjud dapat dimonitor lewat irama sirkadian, terutama pada sekresi hormon kortisolnya", kata pria yang meraih gelar doktor pada bidang psikoneoroimunologi dari Fakultas Kedokteran Universitas Airlangga ini. Dijelaskan Sholeh, jika ada seseorang yang merasakan sakit setelah menjalankan shalat tahajjud, besar kemungkinan itu berkaitan dengan niat yang tidak ikhlas, sehingga gagal terhadap perubahan irama sirkadian tersebut. Gangguan adaptasi itu tercermin pada sekresi kortisol dalam serum darah yang seharusnya menurun pada malam hari. Apabila sekresi kortisol tetap tinggi, maka produksi respon imunologik akan menurun sehingga berakibat munculnya gangguan kesehatan pada tubuh seseorang. Sedangkan sekresi kortisol menurun, maka indikasinya adalah terjadinyaproduksi respon imunologik yang meningkat pada tubuh seseorang. Niat yang tidak ikhlas, kata Sholeh, akan menimbulkan Kekecewaan, Persepsi Negatif, dan Rasa Tertekan. Perasaan negatif dan tertekan itu menjadikan seseorang rentan terhadap serangan stres. Dalam kondisi stres yang berkepanjangan yang ditandai dengan tingginya sekresi kortisol, maka hormon kortisol itu akan bertindak sebagai imunosupresif yang menekan proliferasi limfosit yang akan mengakibatkan imunoglobulin tidak terinduksi. Karena imunoglobulin tidak terinduksi maka sistem daya tahan tubuh akan menurun sehingga rentan terkena infeksi dan kanker. Kanker, seperti diketahui, adalah pertumbuhan sel yang tidak normal. "Nah, kalau melaksanakan shalat tahajjud dengan ikhlas dan kontinyu akan dapat merangsang pertumbuhan sel secara normal sehingga membebaskan pengamal shalat tahajjud dari berbagai penyakit dan kanker (tumor ganas)," kata alumni Pesantren Lirboyo Kediri Jatim ini. Menurutnya, shalat tahajjud yang dijalankan dengan tepat, kontinyu, khusuk, dan ikhlas dapat menimbulkan persepsi dan motivasi positif sehingga menumbuhkan coping mechanism yang efektif. Sholeh menjelaskan, respon emosional yang positif atau coping mechanism dari pengaruh shalat tahajjud ini berjalan mengalir dalam tubuh dan diterima oleh batang otak. Setelah diformat dengan bahasa otak, kemudian ditrasmisikan ke salah satu bagian otak besar yakni Talamus. Kemudian, Talamus menghubungi Hipokampus (pusat memori yang vital untuk mengkoordinasikan segala hal yang diserap indera) untuk mensekresi GABA yang bertugas sebagai pengontrol respon emosi, dan menghambat Acetylcholine, serotonis dan neurotransmiter yang lain yang memproduksi sekresi kortisol. Selain itu, Talamus juga mengontak prefrontal kiri-kanan dengan mensekresi dopanin dan menghambat sekresi seretonin dan norepinefrin. Setelah terjadi kontak timbal balik antara Talamus-Hipokampus-Amigdala-Prefrontal kiri-kanan, maka Talamus mengontak ke Hipotalamus untuk mengendalikan sekresi kortisol.

Source : http://cepyharyadi.blogspot.com/2007/12/hikmah-shalat-tahajud.html

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Menyingkap 1001 Hikmah Shalat Subuh

00:36 / Posted by - Dwix - / comments (0)

“Sesungguhnya amal manusia yang pertama kali dihisab pada hari kiamat adalah shalatnya” Jika shalatnya baik, maka baik pula seluruh amalnya; dan kalau jelek, maka jeleklah seluruh amalnya. Bagaimana mungkin seorang mukmin mengharapkan kebaikan di akhirat, sedang pada hari kiamat bukunya kosong dari shalat Subuh tepat waktu?

“Sesungguhnya shalat yang paling berat bagi orang munafik adalah shalat Isya’ dan shalat Subuh. Sekiranya mereka mengetahui apa yang terkandung di dalamnya, niscaya mereka akan mendatangi keduanya (berjamaah di masjid) sekalipun dengan merangkak” [HR Al-Bukhari dan Muslim]

Shalat Subuh memang shalat wajib yang paling sedikit jumlah rekaatnya; hanya dua rekaat saja. Namun, ia menjadi standar keimanan seseorang dan ujian terhadap kejujuran, karena waktunya sangat sempit (sampai matahari terbit)

Ada hukuman khusus bagi yang meninggalkan shalat Subuh. Rasulullah saw telah menyebutkan hukuman berat bagi yang tidur dan meninggalkan shalat wajib, rata-rata penyebab utama seorang muslim meninggalkan shalat Subuh adalah tidur.

“Setan melilit leher seorang di antara kalian dengan tiga lilitan ketika ia tidur. Dengan setiap lilitan setan membisikkan, ‘Nikmatilah malam yang panjang ini’. Apabila ia bangun lalu mengingat Allah, maka terlepaslah lilitan itu. Apabila ia berwudhu, lepaslah lilitan yang kedua. Kemudian apabila ia shalat, lepaslah lilitan yang ketiga, sehingga ia menjadi bersemangat. Tetapi kalau tidak, ia akan terbawa lamban dan malas”.

“Berikanlah kabar gembira kepada orang-orang yang banyak berjalan dalam kegelapan (waktu Isya’ dan Subuh) menuju masjid dengan cahaya yang sangat terang pada hari kiamat” [HR. Abu Dawud, At-Tarmidzi dan Ibnu Majah]

Allah akan memberi cahaya yang sangat terang pada hari kiamat nantinya kepada mereka yang menjaga Shalat Subuh berjamaah (bagi kaum lelaki di masjid), cahaya itu ada dimana saja, dan tidak mengambilnya ketika melewati Sirath Al-Mustaqim, dan akan tetap bersama mereka sampai mereka masuk surga, Insya Allah.

“Shalat berjamaah (bagi kaum lelaki) lebih utama dari shalat salah seorang kamu yang sendirian, berbanding dua puluh tujuh kali lipat. Malaikat penjaga malam dan siang berkumpul pada waktu shalat Subuh”. “Kemudian naiklah para Malaikat yang menyertai kamu pada malam harinya, lalu Rabb mereka bertanya kepada mereka - padahal Dia lebih mengetahui keadaan mereka - ‘Bagaimana hamba-2Ku ketika kalian tinggalkan ?’ Mereka menjawab, ‘Kami tinggalkan mereka dalam keadaan shalat dan kami jumpai mereka dalam keadaan shalat juga’. ” [HR Al-Bukhari]

Sedangkan bagi wanita - walau shalat di masjid diperbolehkan - shalat di rumah adalah lebih baik dan lebih banyak pahalanya, yaitu yang mengerjakan shalat Subuh pada saat para pria sedang shalat di masjid. Ujian yang membedakan antara wanita munafik dan wanita mukminah adalah shalat pada permulaan waktu.

“Barang siapa yang menunaikan shalat Subuh maka ia berada dalam jaminan Allah. Shalat Subuh menjadikan seluruh umat berada dalam jaminan, penjagaan, dan perlindungan Allah sepanjang hari. Barang siapa membunuh orang yang menunaikan shalat Subuh, Allah akan menuntutnya, sehingga Ia akan membenamkan mukanya ke dalam neraka” [HR Muslim, At-Tarmidzi dan Ibnu Majah]

Banyak permasalahan, yang bila diurut, bersumber dari pelaksanaan shalat Subuh yang disepelekan. Banyak peristiwa petaka yang terjadi pada kaum pendurhaka terjadi di waktu Subuh, yang menandai berakhirnya dominasi jahiliyah dan munculnya cahaya tauhid. “Sesungguhnya saat jatuhnya adzab kepada mereka ialah di waktu Subuh; bukankah Subuh itu sudah dekat?” (QS Huud:81)

Rutinitas harian dimulainya tergantung pada pelaksanaan shalat Subuh. Seluruh urusan dunia seiring dengan waktu shalat, bukan waktu shalat yang harus mengikuti urusan dunia.

“Jika kamu menolong (agama) Allah, maka ia pasti akan menolongmu dan meneguhkan kedudukanmu” (QS Muhammad : 7)

“Sungguh Allah akan menolong orang yang menolong agamanya, sesungguhnya Allah Maha Kuat dan Maha Perkasa” (QS Al-Hajj:40)

TIPS MENJAGA SHALAT SUBUH :

  1. Ikhlaskan niat karena Allah, dan berikanlah hak-hak-Nya
  2. Bertekad dan introspeksilah diri Anda setiap hari
  3. Bertaubat dari dosa-dosa dan berniatlah untuk tidak mengulangi kembali
  4. Perbanyaklah membaca doa agar Allah memberi kesempatan untuk shalat Subuh
  5. Carilah kawan yang baik (shalih)
  6. Latihlah untuk tidur dengan cara yang diajarkan Rasulullah saw (tidur awal; berwudhu sebelum tidur; miring ke kanan; berdoa)
  7. Mengurangi makan sebelum tidur serta jauhilah teh dan kopi pada malam hari
  8. Ingat keutamaan dan hikmah Subuh; tulis dan gantunglah di atas dinding
  9. Bantulah dengan 3 buah bel pengingat(jam weker; telpon; bel pintu)
  10. Ajaklah orang lain untuk shalat Subuh dan mulailah dari keluarga

Jika Anda telah bersiap meninggalkan shalat Subuh, hati-hatilah bila Anda berada dalam golongan orang-orang yang tidak disukai Allah untuk pergi shalat. Anda akan ditimpa kemalasan, turun keimanan, lemah dan terus berdiam diri.

Disarikan dari :
Buku “MISTERI SHALAT SUBUH”
Menyingkap 1001 Hikmah Shalat Subuh Bagi Para Pribadi dan Masyarakat
Pengarang : DR. Raghib As-Sirjani
Penerbit : Aqwam

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Mengenal Keampuhan Sholawat Nariyah

00:26 / Posted by - Dwix - / comments (0)

Sholawat Nariyah adalah sebuah sholawat yang disusun oleh Syekh Nariyah. Syekh yang satu ini hidup pada jaman Nabi Muhammad sehingga termasuk salah satu sahabat nabi. Beliau lebih menekuni bidang ketauhidan. Syekh Nariyah selalu melihat kerja keras nabi dalam menyampaikan wahyu Allah, mengajarkan tentang Islam, amal saleh dan akhlaqul karimah sehingga syekh selalu berdoa kepada Allah memohon keselamatan dan kesejahteraan untuk nabi. Doa-doa yang menyertakan nabi biasa disebut sholawat dan syekh nariyah adalah salah satu penyusun sholawat nabi yang disebut sholawat nariyah.

Suatu malam syekh nariyah membaca sholawatnya sebanyak 4444 kali. Setelah membacanya, beliau mendapat karomah dari Allah. Maka dalam suatu majelis beliau mendekati Nabi Muhammad dan minta dimasukan surga pertama kali bersama nabi. Dan Nabi pun mengiyakan. Ada seseorang sahabat yang cemburu dan lantas minta didoakan yang sama seperti syekh nariyah. Namun nabi mengatakan tidak bisa karena syekh nariyah sudah minta terlebih dahulu.

Mengapa sahabat itu ditolak nabi? dan justru syekh nariyah yang bisa? Para sahabat itu tidak mengetahui mengenai amalan yang setiap malam diamalkan oleh syekh nariyah yaitu mendoakan keselamatan dan kesejahteraan nabinya. Orang yang mendoakan Nabi Muhammad pada hakekatnya adalah mendoakan untuk dirinya sendiri karena Allah sudah menjamin nabi-nabiNya sehingga doa itu akan berbalik kepada si pengamalnya dengan keberkahan yang sangat kuat.

Jadi nabi berperan sebagai wasilah yang bisa melancarkan doa umat yang bersholawat kepadanya. Inilah salah satu rahasia doa/sholawat yang tidak banyak orang tahu sehingga banyak yang bertanya kenapa nabi malah didoakan umatnya? untuk itulah jika kita berdoa kepada Allah jangan lupa terlebih dahulu bersholawat kepada Nabi SAW karena doa kita akan lebih terkabul daripada tidak berwasilah melalui bersholawat.

Inilah riwayat singkat sholawat nariyah. Hingga kini banyak orang yang mengamalkan sholawat ini, tak lain karena meniru yang dilakukan syekh nariyah. Dan ada baiknya sholawat ini dibaca 4444 kali karena syekh nariyah memperoleh karomah setelah membaca 4444 kali. Jadi jumlah amalan itu tak lebih dari itba’ (mengikuti) ajaran syekh.

Agar bermanfaat, membacanya harus disertai keyakinan yang kuat, sebab Allah itu berada dalam prasangka hambanya. Inilah pentingnya punya pemikiran yang positif agar doa kita pun terkabul. Meski kita berdoa tapi tidak yakin (pikiran negatif) maka bisa dipastikan doanya tertolak.

Inilah bacaan sholawat nariyah yang terkenal itu (lafal shalawat nariyah) :

“Allohumma sholli shollatan kamilah wa sallim salaman. Taman ‘ala sayyidina Muhammadiladzi tanhallu bihil ‘uqodu wa tanfariju bihil kurobu. Wa tuqdhobihil hawa iju wa tunna lu bihiro ‘ibu wa husnul khowatim wa yustaqol ghomawu biwaj hihil kariim wa ‘ala aalihi washosbihi fii kulli lamhatin wa hafasim bi’adadi kulli ma’luu mi laka ya robbal ‘aalamiin”

Artinya :

“Ya Allah Tuhan Kami, limpahkanlah kesejahteraan dan keselamatan yang sempurna atas junjungan kami Nabi Muhammad SAW. Semoga terurai dengan berkahnya segala macam buhulan dilepaskan dari segala kesusahan, ditunaikan segala macam hajat, tercapai segala keinginan dan khusnul khotimah, dicurahkan rahmat dengan berkah pribadinya yang mulia. Kesejahteraan dan keselamatan yang sempurnah itu semoga Engkau limpahkan juga kepada para keluarga dan sahabatnya setiap kedipan mata dan hembusan nafas, bahkan sebanyak pengetahuan Engkau, Ya Tuhan semesta alam”

http://indospiritual.com/artikel_mengenal-keampuhan-sholawat-nariyah.html

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Investors to buy IndyMac - $13.9B

21:10 / Posted by - Dwix - / comments (0)

NEW YORK (CNNMoney.com) -- The Federal Deposit Insurance Corp. announced Friday that it had struck a deal to sell failed mortgage lender IndyMac to a group of private investment firms for $13.9 billion.

The buyers include buyout specialist J.C. Flowers & Co. and hedge fund Paulson & Co., which focuses on distressed assets, as well as the private investment firm managing computer mogul Michael Dell's fortune and a fund managed by financier George Soros.

The Pasadena, Calif.-based bank will be controlled by IMB Management Holdings, led by Steven Mnuchin, who is chair and co-chief executive of Dune Capital Management. Terry Laughlin, who headed Merrill Lynch Bank & Trust, will serve as chief executive of IndyMac.

The investors could not be reached for comment.

IndyMac's failure, one of the largest in U.S. history, will cost the FDIC between $8.5 billion and $9.4 billion, in line with the agency's previous estimates. The transaction is expected to close sometime in the next three months.

The bank, which specialized in Alt-A loans made to borrowers who did not need to verify their income or assets, collapsed in July after defaults skyrocketed and depositors made a run on the bank.

The buyers will inject $1.3 billion in capital into the bank. The FDIC has also agreed to share the losses on a portfolio of loans, mainly mortgages, with IMB Management. The buyers will take responsibility for the first 20% of losses, and the FDIC will cover the majority of additional losses.

"We have assembled a group of experienced private investors in financial services to acquire the former IndyMac and operate it under new management with extensive banking experience," said Mnuchin. "At closing, we will inject significant private capital into IndyMac so that it can once again effectively serve its customers and communities."

Source : http://money.cnn.com

Mortgages

10:57 / Posted by - Dwix - / comments (0)

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!

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Cash Advance Writeup

10:54 / Posted by - Dwix - / comments (0)

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

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Auto Loan

10:50 / Posted by - Dwix - / comments (0)

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.

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I Love Emo

10:46 / Posted by - Dwix - / comments (0)

EMO




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Whole Life or Term Life - What’s the Difference?

23:36 / Posted by - Dwix - / comments (0)

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

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Cash Value Insurance

23:32 / Posted by - Dwix - / comments (1)

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

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The Life Insurance Risk Assessment Process Revealed

23:15 / Posted by - Dwix - / comments (0)

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

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Turn to ECommerce Solutions For Greater Online Exposure

23:37 / Posted by - Dwix - / comments (0)

The uses of e commerce have increased by leaps and bounds, shunning age old methods and tactics for developing online store solutions. Just by a click of the mouse, it has become possible to manage your online shopping carts and commercial transactions.

ECommerce solutions provide conveniences and time-saving methods for making business transactions and shopping online. They have made processes easier both for the buyer as well as the seller. Apart from product based eCommerce websites, service oriented eCommerce websites are also creating a rage worldwide. For example, banking, insurance, educational, web development services, and other services oriented business sites have emerged.

Several website design companies offer highly competitive and practical eCommerce solutions with powerful tools like shopping cart software. Today's time and money conscious customers want the best products/services, fair price, and a less time consuming medium to purchase them. Customer eCommerce solutions are a great source for getting these features. In creating a full-fledged and well-equipped eCommerce website, a number of web services are to be incorporated to get the desired results. For example, website designers, Hire a Programmer, SEO experts, advertising professionals, and graphic designers all need to work together to develop an effective and dynamic eCommerce site.

ECommerce addresses various issues like online queries, problems related to products, payments or shipping, managing inventory of online stock, and installing secure modes of payment.

ECommerce solutions are basically commercial transactions for different types of online businesses, such as business to business (B2B), customer to customer (C2C), and business to customer (B2C). More and more people are gaining awareness of the profits of eCommerce shopping cart solutions.

Hundreds of similar types of websites compete with each other online for an increased market share. A well reputed eCommerce solutions provider can give you access to a number of features including data transfer facilities, better data storage, security certificates, and more.

The advantage of a higher capacity of data storage gives a website the opportunity to display and exchange more information. As far as security certificates are concerned, it addresses issues related to secure and safe money transactions, purchases, wire transfers, etc. ECommerce shopping cart solutions make it easier to buy any item at virtual check out, and pay through mediums like PayPal or credit cards.

Lots of options for eCommerce shopping cart software are available online to select from. The choice should be made keeping in consideration your eCommerce needs and its functionality for your business.

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Importance of Keyword Research in Link Building

23:32 / Posted by - Dwix - / comments (0)

Keyword Research is the building block for search engine optimization. Search engines utilize keywords or key phrases to identify web pages which are relevant to these terms. Finding keywords / phrases which are relevant to your website and implementing them in your pages and links will help a search engine identify your webpage when a search is conducted for that particular keyword / phrase. Keywords have to be implemented on-page as well as off-page for higher ranking.

Building links is essential to gain more traffic and obtain a high ranking on search engines. But building links which are effectively optimized can score you extra points. Search engines analyze a link based on several factors, one being the text of the link itself. If your linking text, commonly referred to as anchor text, contains relevant keywords it indicates clearly what the link is connecting to. Likewise, your title text for each page should be clearly defined with relevant keywords.

Keyword research is not as simple as putting down a bunch of words which users may search for. Today people commonly use advanced tools to find appropriate keywords. Wordtracker, Overture Search Suggestion Tool and Keyword Discovery are some of the more commonly used tools. These tools will not only help you find keywords but will also help you determine the competition these keywords attract.

Using generic terms to optimize your website and links is not a smart idea. Keywords which are most commonly searched for will be used by several thousands websites; competing with these already established websites may not improve your ranking at all. It is important that you select keywords which are not overused. Include keywords which receive a fair number of searches but have minimal competition. Optimize your website with these keywords and once you have established yourself, you will have the liberty to include more general keywords.

These tools will help you determine synonyms or other similar words which fall into your category. When selecting less searched terms, one may always run the risk of less traffic. But this may be better than no traffic at all if the keywords used are highly competed for. One way to solve this problem is to go as specific as possible with your keywords. Instead of general terms such as ‘baby clothing’, you narrow it down by specifying location or age range or any other factor which clearly demarcates what you cater to. Today’s web searchers are a lot smarter and are capable of conducting searches with specific terms.

Any successful business runs by targeting a niche segment today. Catering to the general market may not reveal the same results. If one can identify their niche segment, then there is the opportunity of increasing the quality of your marketing efforts. Likewise when finding relevant keywords, select terms or phrases that target a niche segment. Use the advanced tools available to create a list of relevant keywords which do not attract too much competition in your niche segment.

Finding the right keywords is not as easy as it may seem. The success of your website may depend on traffic directed from search engines; and to figure on a search engine you will have to optimize your site with relevant keywords. It also does not end with optimizing your site once; one has to continually analyze the popularity of keywords and make appropriate changes to your website.

Keyword research plays a major role when building links. Instead of a ‘click here’, relevant keywords can be used to make the link more user-friendly as well as help the search engine detect what the link is connecting to. This can help you get a higher ranking for those specific keywords included in your link. It carries extra weight as another site is recommending your page for a particular keyword. Including relevant keywords in your title text and anchor text can improve your search engine placement tremendously.

Directory Maximiser allows you to vary your anchor text when submitting to directories to extract maximum benefit from keyword-targeted links.

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7 Quick SEO Tips

23:24 / Posted by - Dwix - / comments (0)

Search Engine Optimization (SEO) can seem like a daunting task to some. Especially when you are starting out. Search Engine Optimization requires a lot of time and work.

These seven quick tips are meant to help get you started on the endless road of SEO. Yes, it is endless. You must ALWAYS be optimizing your site if you want it to be and REMAIN successful.

Search Engine Optimization Quick Tips

1. Fresh Content. You must have more original content than non original.
2. Directory Listing. Submit submit submit.
3. Write. Write original content for your site and then submit to article sites.
4. Socialize. Blogs, message boards and social network memberships can help you get the word out about your site and products. NO spamming though!
5. Site Map. This will help visitors and crawlers find you and what you have to offer.
6. Stay updated. Keep yourself informed of what is going on in the world of SEO.
7. Consistency. A website is like a baby. It needs regular attention to flourish and grow.

Like I said, this is endless. If you want a website and you want it to be successful Search Engine Optimization is vital. Without a good SEO strategy you will fail. Websites do not magically become successful and gain high traffic. If they did then we would all be rich!

Successful websites require commitment, consistency, active involvement, originality, trial and error, continual Search Engine Optimization education and hard work. I believe that if you give it your all, you can't go wrong!

Source : seo

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Money Making Tools For Networking, Direct Sales and Home Based Businesses

09:59 / Posted by - Dwix - / comments (0)

Today over 40 million Americans are opening home based businesses. Some will succeed, most won't. The difference is often one's willingness to invest in money making tools proven successful by others. This doesn't mean big budget but it does mean using the following tools to your advantage. Design a great website. This is your first impression. Over 70% of customers research online before making a purchase. Make it a count!

Direct mail / email. Produce professional pieces. If you need writing and design help contact a freelancer. Start with small, targeted lists of potential customers. Then, after refining your sales message, hit your target market in larger numbers.

Three panel brochure. Design a simple 2 or 3-color brochure/mailer and print a short run with a reputable digital print shop. 250 or 500 at a time should keep costs down.

Press releases. Create a news-worthy, informative press release. You can have these placed in local papers, magazines and newsletters at no cost. Create a release every 30 to 60 days to keep your business in the news.

Referrals. Make it worth your customer's time to refer others to you. A percentage off or a free item as a thank you really works!

Affiliate programs. Research online affiliate programs to link your business to others. These programs give you the benefit of a huge commission-based sales force without having to manage employees.

Other tools include joining local civic organizations and taking advantage of all the local Chamber of Commerce has to offer. When placed in motion all these money making tools will work to your benefit!

If you need money now, like I mean in the next hour, try what I did. I am making more money now than in my old business and you can too, read the amazing, true story, in the link below. When I joined I was skeptical for just ten seconds before I realized what this was. I was smiling from ear to ear and you will too.

Imagine doubling your money every week with no or little risk! To discover a verified list of Million Dollar Corporations offering you their products at 75% commission to you. Click the link below to learn HOW you will begin compounding your capital towards your first Million Dollars at the easy corporate money program.

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Be a Successful Entrepreneur - 3 Free Marketing Ideas That Work

09:03 / Posted by - Dwix - / comments (0)

It is very important to be a successful entrepreneur when you start a business. Just think of what the alternative would be like.

First of all, you would start your buseness and it would fail as soon as you got started. Second, you could possibly ruin your reputation. Third, you could possibly lose large sums of money money if you have an initial investment in the business.

All of these things are reasons why you shouldn't fail. That is why you need marketing ideas that really work. Better yet, you need free marketing ideas.

Here are 3 for you to work with:

- You can create a social networking page on one or more of the major social networking sites. This is a great way to get exposure to millions of people.

- You can go to various forums around the Internet and post about your business. There are plenty of forums that allow you to advertise in designated areas. You can also post to these sites frequently and put your business site address in your signature.

- There are many email groups on the web that you can join and share your links with. You may even be able to form partnerships this way.

These are just three of the methods available to you. There are definitely many more that you can take advantage of. Why pay money for marketing if you don't have to? The truth is that you shouldn't. You should never pay more than what you have to, especially when you are using marketing methods that work.

If you need money now, like I mean in the next hour, try what I did. I am making more money now than in my old business and you can too, read the amazing, true story, in the link below. When I joined I was skeptical for just ten seconds before I realized what this was. I was smiling from ear to ear and you will too.

Imagine doubling your money every week with no or little risk! To discover a verified list of Million Dollar Corporations offering you their products at 75% commission to you. Click the link below to learn HOW you will begin compounding your capital towards your first Million Dollars at the easy corporate money program.

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Term Life Insurance

18:46 / Posted by - Dwix - / comments (0)

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.
Term Elite® is a stepping-stone to permanent life insurance, with premiums that remain the same during the initial period and a generous option to convert the term policy to a permanent one.
  • 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.
PruLife® Return of Premium Term offers insurance protection for your beneficiaries while providing you with a guaranteed return of out-of-pocket policy premiums.
  • 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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4 Simple SEO Tips For Better Search Rankings and More Traffic

06:24 / Posted by - Dwix - / comments (0)

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

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