tag:blogger.com,1999:blog-63373193288612376522024-03-06T14:23:55.760+07:00Business Info in the IT revolutionUnknownnoreply@blogger.comBlogger55125tag:blogger.com,1999:blog-6337319328861237652.post-83278249673645841712008-12-27T21:39:00.003+07:002008-12-27T22:10:20.149+07:00<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhV145rz3i6eyIsIgAM6qqtiCRRBDv4TQ8wH9qRYyu8PnGQnIyAg1WhA4SBuiFKD3ZMS47MVJSY0yO09bewEa5G1RVfjZUWVsbgAWWx2FyRccUgO7E63Vp50zHsFfv4n-aczY8QHmXHQivt/s1600-h/Payoner+dollar.jpg"><img style="cursor: pointer; width: 200px; height: 130px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhV145rz3i6eyIsIgAM6qqtiCRRBDv4TQ8wH9qRYyu8PnGQnIyAg1WhA4SBuiFKD3ZMS47MVJSY0yO09bewEa5G1RVfjZUWVsbgAWWx2FyRccUgO7E63Vp50zHsFfv4n-aczY8QHmXHQivt/s320/Payoner+dollar.jpg" alt="" id="BLOGGER_PHOTO_ID_5284480881307264354" border="0" /></a><br />Adakah bisnis afiliasi yang benar benar mudah dan tanpa modal ? Ada..., kita bahkan dibayar dan ditawarkan kartu mastercard gratis saat mendaftar. lucu kan...? saya sudah buktikan sendiri...!! coba perhatikan nama nasabah yang tercetak pada kartu tersebut, ya.. kebetulan itulah kartu yang saya terima. Anda juga bisa mendapatkannya cuma-cuma yaitu hanya dengan mendaftar di program afiliasi dari friendfinder. Program ini sangat unik dan patut di acungi jempol, sebab selain memang membuat kita banyak teman (namanya aja friend...finder) trus di kasi duit lagi. hebatnya lagi jika kita mengajak orang lain untuk mendaftar maka kita akan dapat duit lagi $2 jika yang mendafartar perempuan dan $1 jika yang mendaftar adalah laki-laki.<br />Pertanyaan anda pasti adalah... bagaimana saya ambil uang nya...??<br />yupz.. pinter.. itu pertanyaan bagus..., friendfinder akan memberi anda 2 buah pilihan cara mengambil uang-uang yang anda kumpulkan yaitu:<br /><br /> 1. Dengan prepaid debit mastercard yaitu kartu berlogo mastercard yang tentunya bisa di gunakan di puluhan ribu ATM berlogo mastercard di indonesia maupun di seluruh dunia.<br /> 2. Dengan Check yang akan dikirim langsung ke rumah anda.<br /><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://friendfinder.com/go/g1057893"><img style="cursor: pointer; width: 132px; height: 19px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjJIC9GO-_5Z3N9_Yh6J-Zy1gXC4gdIMLdw-kO2wcPPfWw2GUlQ9jrKvAa_WEHSKXerOYtEeIr38LnwaM2rDYNLEuRXvef85BF6KvRWqSan9mvz5L88yMKkgZbRyjmvkgyBIw-ReEvqlp2o/s320/join.gif" alt="" id="BLOGGER_PHOTO_ID_5277988139632771410" border="0" /></a><br /><span class="fullpost"><br />Sulit..? iya.. memang sulit jika anda memilih menggunakan Check sebab butuh berminggu-minggu untuk menunggu chek tersebut sampai kerumah anda dan karena check tersebut dari Royal Bank yang bertempat di New York pastilah tidak mudah untuk mencairkan cheknya di bank lokal kita. kecuali kalo kita mau pergi sendiri ke New York (weleh...weleh..... capek kan...).<br /><br />Trus gimana dong...?<br /><br />Sekarang anda tidak perlu khawatir karena pihak friendfinder telah lama bekerja sama dengan Payoneer.Inc , yaitu perusahaan yang bergerak dibidang pembayaran elektronik & internet payout yang telah lama berhubungan dengan pihak mastercard . Dalam hal ini anda justru akan ditawarkan secara gratis untuk di buatkan sebuah kartu berlogo mastercard.<br /><br />Jika sebelumnya anda sudah pernah menjadi member di Friendfinder anda bisa langsung login langsung klik link ini join affliliate<br /><br />Tapi jika belum menjadi member di friendfinder anda harus daftar dulu sebagai member friendfinder. Untuk daftar friendfinder anda bisa langsung klik link ini<br /><br />Langkah-langkah daftar di friendfinder:<br /><br /><span style="color: rgb(255, 0, 0);font-size:130%;" ><a href="http://friendfinder.com/go/g1057893">klik untuk join pada link ini</a></span> ( buka di tab baru agar anda tetap bisa membaca panduan saya) :<br /><br />klik <span style="font-weight: bold;">Join Now</span>Isilah data-data Anda dg lengkap.<br /><br /><span style="font-weight: bold;">I am a </span>: Man jika Anda laki-laki, Woman jika Anda perempuan<br /><br /><span style="font-weight: bold;">Interested in meeteng a </span>: Man jika ingin mencari/berteman dg laki-laki, woman dg perempuan, atau bisa Anda pilih dua-duanya.<br /><span style="font-weight: bold;">For </span>: Friendship (berteman), Dating (ketemuan), Serious relationship (hbungan serius), <span style="font-weight: bold;">Marriage (menikah)</span>, bisa Anda pilih lebih dari satu, pilih semuanya juga bisa.<br /><span style="font-weight: bold;">My Birthdate</span> : Tanggal lahir Anda<br /><span style="font-weight: bold;">Country</span> : Negara Anda<br /><span style="font-weight: bold;">Zip/Postal code</span> : Kosongkan saja kalau Anda berada selain Amerika (US only)<br /><span style="font-weight: bold;">Email Address</span> : Isikan email Anda<br /><span style="font-weight: bold;">Username</span> : username Anda antara 4 sampai 16 karakter<br /><br />Lalu klik tombol <span style="color: rgb(51, 51, 255);">Click Here and Have Fun<br /><br /></span>Setelah itu Anda masuk ketahap berikutnya.<br /><span style="font-weight: bold;">City</span> : Kota tempat tinggal Anda<br /><span style="font-weight: bold;">Closest City</span>: Sama seperti diatas<br /><span style="font-weight: bold;">State</span>: Propinsi Anda<br /><span style="font-weight: bold;">Your Height</span> : Tinggi Anda<br /><span style="font-weight: bold;">Your Body Type</span> : Tipe badan AndaYour<br /><span style="font-weight: bold;">Race</span> : Ras Anda atau suku Anda biasanya kalau Indonesia adalah Asia<br /><span style="font-weight: bold;">Marital Status</span> : Status pernikahan Anda<br /><span style="font-weight: bold;">Your Religion</span> : Agama Anda<br /><span style="font-weight: bold;">Your Education</span> : Pendidikan terakhir Anda<br /><span style="font-weight: bold;">Your Occupation</span> : Pekerjaan Anda misal Staff jika Anda pegawai, Business jika Anda pengusaha dll.<br /><span style="font-weight: bold;">Introduction Title</span> : Judul tentang diri Anda, bisa Anda buat I am a good Man atau I like Travelling dll minimumnya 10 karakter<br /><span style="font-weight: bold;">Tell others about yourself</span> : Ceritakanlah tentang diri Anda, sebaiknya dalam bahasa inggris, misalnya I am a good women, I like travelling and my hobby reading, computer, sports, and others, i love new friend men or women, buatlah suka-suka Anda, minimumnya 50 karakter.<br />Jika Anda sudah memiliki foto uploadlah foto Anda, klik browse lalu carilah file yg berisi foto Anda. Jika Anda belum punya fota bisa Anda kosongkan dulu, nanti dikemudian hari bisa Anda isi kembali.<br />Setelah itu klik <span style="font-weight: bold;">Click to Join</span>.<br />Setelah itu bukalah email Anda, lalu klik Activate NowMaka Anda sudah diaktivasi, jika Anda ingin login isilah dg username dan password yg ada di email Anda.<br />Setelah itu keluarlah dulu klik <span style="font-weight: bold;">log off</span>.<br /><br />tahap selanjutnya anda harus mendaftar sebagai member afiliasi, caranya :<br /><br /><span style="color: rgb(255, 0, 0);font-size:130%;" ><a href="https://secure.friendfinder.com/p/partners/main.cgi?site=ff&to_site=&action=affiliate_cover">klik link ini untuk affiliasi</a></span> ( buka di tab baru agar anda tetap bisa membaca panduan saya)<br /><br />klik <span style="font-weight: bold;">affiliate signup</span><br />Isilah data-data tsb dg benar.<br /><span style="font-weight: bold;">Preferred Program</span>: Pilihlah <span style="font-weight: bold;">no 1</span><br /><span style="font-weight: bold;">First Name</span> : Nama pertama Anda<br /><span style="font-weight: bold;">Last Name</span> : Nama akhir Anda<br /><span style="font-weight: bold;">URL</span> : Website/blog Anda, wajib Anda isi, jika Anda belum punya buat saja http://blogsaya.blogspot.com, tapi ini hanya untuk sementara nanti bisa Anda ganti.<br /><span style="font-weight: bold;">Desired Password </span>: Password yg Anda inginkan<br /><span style="font-weight: bold;">Preferred Newsletter Language </span>: English<br /><span style="font-weight: bold;">Email Address</span> : Masukkan email Anda<br /><span style="font-weight: bold;">Secondary Email Address</span> : Email Anda yg lain, boleh juga dikosongkan<br /><span style="font-weight: bold;">Checks Payable To</span> : Nama lengkap Anda sesuai KTP<br /><span style="font-weight: bold;">Street Address</span> : Alamat Anda sesuai KTP<br /><span style="font-weight: bold;">City</span> : Kota tempat tinggal Anda<br /><span style="font-weight: bold;">State/Province</span> : Provinsi tempat Anda tinggal<br /><span style="font-weight: bold;">Country</span> : Negara Anda<br /><span style="font-weight: bold;">ZIP/Postal Code</span> : Kode Pos AndaWhat is your business tax classification? Kosongkan saja karena untuk warga Amerika<br /><span style="font-weight: bold;">Tax ID or Social Security Number</span> : Kosongkan saja karena untuk warga Amerika<br /><span style="font-weight: bold;">Phone Number </span>: No telp Anda buatlah dg format misalnya no telp Anda 021 1234567 maka buat 6221 1234567 atau no hp Anda 081xxxxx maka buat 6281xxxxx.<br /><span style="font-weight: bold;">Which Instant Messenger do you use? </span>: Pilih saja None<br /><span style="font-weight: bold;">Use ePassporte</span> : Pilih saja No<br /><span style="font-weight: bold;">Please give us your comments </span>: Buatlah komen Anda misalnya Thank You, Heloo<br />Setelah itu klik <span style="font-weight: bold;">Click Here for the Last Step</span><br /><br />Lalu klik kotak kecil yg ada tulisanYes, I have read and accepted the Affiliate Agreement, bla bla ….<br /><br />klik <span style="font-weight: bold;">Submit</span>.<br /><br />Setelah itu klik <span style="font-weight: bold;">Account Information</span><br /><br />Lalu klik <span style="font-weight: bold;">here </span>(yg warna biru di tulisan <span style="font-weight: bold;">Here is your account information</span>).<br />Click here to update your information.<br /><span style="font-weight: bold;">klik Payoneer </span>: Signup to be paid by <span style="font-weight: bold;">Prepaid MasterCard®</span>.<br />You will be directed to a FriendFinder page hosted by Payoneer, where you can sign up for a card.<br />Lalu isilah data-data Anda di Payoneer tsb, setelah Anda Isi tunggulah kira-kira 20 hari kartu Anda sampai di rumah Anda, setelah kartu debit Anda sampai lalu aktivasilah ikuti petunjuk yg ada disurat yg dikirim bersama dg kartu Anda. Nah gampangkan ….Hanya dg menjadi member FrindFinder Anda bisa dapat kartu mastercard dari payoneer kalau Anda langsung daftar di payoneer Anda tidak bisa mendapatkannya karena country untuk Indonesia tidak ada.Lihatlah kembali email Anda, nah disana Anda akan diberikan username dan password untuk affiliate. Login sebagai member dg login sebagai affiliate itu beda.Dengan gabung di affiliate FriendFinder Anda juga sudah gabung dg kroni-kroninya FrindFinder, byk sekali ternyata, ada adultfrindfinder dll, memang situs ini berbau porno tapi kita hanya mengambil manfaatnya saja. Saya bukan mengajak Anda untuk berporno ria, tapi hanya mengambil manfaatnya saja, yaitu kartu debit dan dolarnya.<br /></span>Unknownnoreply@blogger.com15tag:blogger.com,1999:blog-6337319328861237652.post-2607200416387115182008-12-24T10:13:00.003+07:002008-12-24T10:21:14.594+07:00Games' Bush thrown Shoes 'Be Money Source<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhSMmmPlOw9Cpp87SthnB0FcoyTuKa99GW0YGgCl60lynQjZvSfGzFo9fkloWJ-3pSQ2bkjkqa2C6yIpD7vXC8CJ1VbAyQ82iGcTuo7_82FkPep8fTytCC3MmdyDd9BCB5jwykvOrNltpZs/s1600-h/gamebushsepatu285.jpg"><img style="cursor:pointer; cursor:hand;width: 285px; height: 178px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhSMmmPlOw9Cpp87SthnB0FcoyTuKa99GW0YGgCl60lynQjZvSfGzFo9fkloWJ-3pSQ2bkjkqa2C6yIpD7vXC8CJ1VbAyQ82iGcTuo7_82FkPep8fTytCC3MmdyDd9BCB5jwykvOrNltpZs/s320/gamebushsepatu285.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5283191054318208866" /></a><br /><br />London - One of the game throwing shoes on the Internet at George W Bush, Sock and Awe, make the author fall blessing. The game was successfully sold via auction site eBay with prices quite expensive.<br /><br />Is Alex Tew, a British men's home game that can improve the site sockandawe.com played it. Millions of Internet users have to play it at this time and of course make the popular online game.<br /><span class="fullpost"><br /><br />Video games such as these are indeed many events related to some time ago in which the United States president, George W Bush is being thrown shoes at a visit to Iraq. Perpetrators who was a journalist even considered as heroes.<br /><br />However, many users saking game 'Sock and Awe', a server owned by Alex Tew also be overload. He confessed to maintain overwhelmed server remains stable.<br /><br />That is, Tew was finally decided to melegonya only via eBay, just a lapse of four days since the game creation. This step is effective because many parties want to buy with prices quite expensive.<br /><br />The successful bidder is a company buy the Internet home of English redeem the price of U.S. $ 7818. Dilansir such as Reuters and cited detikINET, Monday (22/12/2008).<br /><br /></span>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-6337319328861237652.post-82712592147785372292008-12-24T10:05:00.002+07:002008-12-24T10:12:52.764+07:00DS roasted House, Nintendo sued Rp 2.5 M<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEirNL8jwnGb-Hv37VAAxccISBCkDgku30TX-_-TtQo2MZ0MpJiqDTD08sLiosnWeVmWhyFWIoUm6JM-6lD_zt0k7aSXu_h7oovZ97D-HKvfV0MiDtMy53qvRjXJA2zpM4l9CCSeNbiQ-fcd/s1600-h/nintendo-ds150.jpg"><img style="cursor:pointer; cursor:hand;width: 150px; height: 150px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEirNL8jwnGb-Hv37VAAxccISBCkDgku30TX-_-TtQo2MZ0MpJiqDTD08sLiosnWeVmWhyFWIoUm6JM-6lD_zt0k7aSXu_h7oovZ97D-HKvfV0MiDtMy53qvRjXJA2zpM4l9CCSeNbiQ-fcd/s320/nintendo-ds150.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5283188306691350210" /></a><br /><br />United States - An insurance company Nintendo claim of U.S. $ 236,304 or about Rp 2.5 billion. The Nintendo DS adapter that is causing the problems have been alleged to cause a fire house.<br /><br />Quoted detikINET from 411mania, on Tuesday (23/12/2008), an insurance company called Liberty Mutual this rate DS adapter with problems experienced Overheat and triggering a fire at a home in Kentucky in January 2007.<br /><span class="fullpost"><br /><br />The owner of the house and get compensation from Liberty Mutual. However, as if looking for scapegoat, insurance companies try to get the cost of this change because the rate of Nintendo products from Japanese companies as a ringleader of fire.<br /><br />Nintendo any more after this accusation and asked not long after they criss recall 200 thousand adapter DS in Japan because of Overheat issues.<br /><br />A result of this accusation, the possibility is also not closed later if Nintendo will also make a withdrawal of the adapter DS in the United States.<br /><br />Fransiska Ari Wahyu - detikinet<br /></span>Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-6337319328861237652.post-4338252268634007972008-12-24T09:57:00.002+07:002008-12-24T10:04:41.649+07:00Belgium seize the Baby Sale Through Internet<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhhLxSkuqF45qCYGlX_WCQywRioYTh7jSEGjYx0TzPILVUL7mf3XxJk3rjS22TzmQe0x9UM9flhf9Ys2JDVeNe5wH-eBQVYOfCXvXHdipq7-1InRNkphm0831vgt1kbafbrNRVHcOoHO47w/s1600-h/bayi150.jpg"><img style="cursor:pointer; cursor:hand;width: 150px; height: 150px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhhLxSkuqF45qCYGlX_WCQywRioYTh7jSEGjYx0TzPILVUL7mf3XxJk3rjS22TzmQe0x9UM9flhf9Ys2JDVeNe5wH-eBQVYOfCXvXHdipq7-1InRNkphm0831vgt1kbafbrNRVHcOoHO47w/s320/bayi150.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5283186890146027138" /></a><br /><br />Amsterdam - There are no action-Belgium this pair. Because of money, they are desperate to sell the heart via the Internet. As a result of the government that is acting. Babies who have owned Dutch pair was taken back home.<br /><br />"Baby is now in the hands of the Belgian government will then decide the next, what will be done later," said commission spokesperson for the protection of children Netherlands, Kees Dijkman, AFP quoted detikINET time, on Wednesday (24/12/2008).<br /><br /><span class="fullpost"><br /><br />Previous ago in November, the judge ordered the court in the Netherlands so that the baby known as Baby Jayden commission is under the protection of children.<br /><br />This baby sold Belgian pair, and would be adopted pair of Dutch origin was not kunjung children. And according to the information, the Dutch pair have a baby after viewing ads on the Internet.<br /><br />Known pair windmill home country is to bring the baby, born after several hours in a hospital in the city of Ghent in Belgium in July 2008 ago. Babies are sold with the price range of Rp 70-140 million.<br /><br />Indra Subagja - detikinet<br /></span>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-6337319328861237652.post-59652600727011666252008-12-24T09:52:00.002+07:002008-12-24T09:57:12.370+07:00Google Earth Discover 'Lost World'<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjT7LPhw6JlgoMfkpkpPTpV3cDWNbP6ZfJrQlHjIyaiwqP9n2BOJotqZ2kwHzMYgbGfLxOCQIrF6royWdrkPYuuPkYpBa76p3PFquStQfRycuK1QCmkfC6eIkcKTf24IQc6tbbeFNZpYZ5t/s1600-h/dunia.jpg"><img style="cursor:pointer; cursor:hand;width: 285px; height: 189px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjT7LPhw6JlgoMfkpkpPTpV3cDWNbP6ZfJrQlHjIyaiwqP9n2BOJotqZ2kwHzMYgbGfLxOCQIrF6royWdrkPYuuPkYpBa76p3PFquStQfRycuK1QCmkfC6eIkcKTf24IQc6tbbeFNZpYZ5t/s320/dunia.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5283185016412892034" /></a><br /><br />London - In the past, the adventurers must not squander of direction to find the areas that have not dijamah. But now, scientists can rely on online map service Google Earth to find new exploration areas.<br /><br />Begitupun with a group of scientists from the British group called Kew Gardens. They succeeded to find area berjuluk 'lost world', full of rare and exotic species thanks to the help of Google Earth.<br /><br /><span class="fullpost"><br /><br />'The world is missing' in the form of virgin forest that is still not tereksplorasi and Mozambique in the country, in the area of Mount Mabu. The wild life experts, ignoring previous medannya because this region is difficult and the war in Mozambique, which continues to berkecamuk.<br /><br />After researching via Google Earth, researchers have come to the UK 'lost world' that. So far, in a short time they have found the exotic species such as the dwarf chameleon, a new species of butterfly, giant snakes, and rare bird colonies.<br /><br />Head expedition, Jonathan Timberlake will be surprised that the number of wild life that they find there. Previously, scientists had not have come to the area, the name was not even in the conventional map.<br /><br />In fact, according to Jonathan, Mozambique is also most people do not realize the existence of that place. Luckily, scientists successfully find this via Google Earth. Such as dilansir DailyMail and cited detikINET, Tuesday (23/12/2008).<br /></span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6337319328861237652.post-290284452079282262008-12-24T09:39:00.003+07:002008-12-24T09:48:39.987+07:00Rev EVDO network. A Smart<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGASHQ7BSYNb9oGUt5pm2blbs8ldrAZjNFLp3W9SknlerEkLqtEcLGGYdd7KvBl1UcPtffDgX5VvHbo5X38oHrFbCGCbqMmvc9sBdukbn-Uxdbgzt34Y2I9uSjeB8WnZLZTJY3149NTkWt/s1600-h/smart.jpg"><img style="cursor: pointer; width: 285px; height: 227px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGASHQ7BSYNb9oGUt5pm2blbs8ldrAZjNFLp3W9SknlerEkLqtEcLGGYdd7KvBl1UcPtffDgX5VvHbo5X38oHrFbCGCbqMmvc9sBdukbn-Uxdbgzt34Y2I9uSjeB8WnZLZTJY3149NTkWt/s320/smart.jpg" alt="" id="BLOGGER_PHOTO_ID_5283182534095928178" border="0" /></a><br /><br />Jakarta - Smart successful record himself into the first CDMA operator in Indonesia to launch EVDO Rev.A technology to the commercial wireless telecommunications products via Jump. How abilities?<br /><br />But before that, it's good to know we are better with EVDO itself. EVDO, or Evolution Data Only / Evolution Data Optimized is a standard for wireless data transmission in third generation (3G) using radio frequency technology in the telecommunications CDMA.<br /><br /><span class="fullpost"><br /><br />EVDO saat ini memiliki beberapa standar revisi. Dinamai secara alfabetikal, dimulai dari EVDO Rev. 0 (Zero), Rev A. dan yang sedang dalam pengembangan adalah Rev B. Masing-masing standar ini mempunyai beberapa perbedaan dalam kapasitas bandwidth transmisinya.<br /><br />EVDO memanfaatkan jaringan CDMA 2000 untuk menyediakan akses kepada perangkat telekomunikasi mobile networks dengan antarmuka pada kecepatan 2,4 Mbps untuk Rev 0 dan 3,1 Mbps untuk Rev. A. Namun itu semua tergantung dari daya tangkap sinyal dan jaringan di tempat user berada.<br /><br />Sebab, cara kerja EVDO masih bergantung pada jaringan jangkauan BTS. Ada kalanya pada saat tertentu para user mengakses internet di tempat dimana tidak ada jaringan yang mendukung EVDO.<br /><br />Namun jangan khawatir, bila terjadi seperti ini, biasanya secara otomatis user akan dipindahkan ke standar mode 1X-RTT. Artinya, mereka tetap dapat melakukan akses internet tetapi menggunakan kemampuan 1X yakni dengan transfer data hanya 152 Kbps.<br /><br />Begitu pula yang coba ditawarkan Smart dengan produk Jump-nya. Meskipun user menggunakan produk ini diluar area yang belum tercover jaringan EVDO Smart, maka mereka akan dilayanai oleh network 1x.<br /><br />Instalasi hingga Pengujian<br /><br />Dalam kemasan Jump, Smart membekali user dengan petunjuk instalasi secara manual ataupun dalam file, charger untuk modem, USB Extended dan CD intalasi.<br /><br />Sayangnya, untuk proses instalasi software (driver) agak sedikit menyulitkan. Dikarenakan autorun yang dijalankan pada CD instalasi bukan untuk instalasi program melainkan hanya untuk membuka file pada CD tersebut. Alhasil, user harus mengistal secara manual dan tentunya akan sedikit merepotkan jika kita tidak mengetahui driver mana yang tepat untuk modem tersebut.<br /><br />Selain itu, yang juga perlu digaris bawahi adalah, pada modem yang digunakan tidak tersedia aplikasi untuk instal driver. Akibatnya, bagi laptop user yang tidak memiliki optikal disk -- seperti pada netbook -- harus mengkopi terlebih dahulu driver tersebut di flasdisk, baru melakukan proses penginstalan.<br /><br />Ketika semua proses intalasi selesai, user selanjutnya tinggal memasukkan konfigurasi sesuai dengan yang tertera pada petunjuk instalasi yang disertakan.<br /><br />Dengan label EVDO Rev. A, Jump diklaim Smart mampu menembus kecepatan hingga 3,1 Mbps untuk download dan 1,8 Mbps untuk upload. Namun itu kembali lagi kalau jaringan yang didapat dalam keadaan maksimal.<br /><br />Sebab, ketika dilakukan pengujian oleh detikINET di beberapa wilayah, rasanya sulit untuk mendapatkan kecepatan maksimal tersebut.<br /><br />Di daerah Warung Buncit, Jakarta Selatan misalnya, hasil pengujian speedtest.net terhadap produk ini hanya menunjukkan kemampuan download 137 Kbps dan 99 Kbps untuk upload. Sementara ketika pengujian dilakukan agak keluar dari Jakarta -- ke daerah Bekasi -- hasil yang didapat adalah 157 Kbps untuk download dan hanya 74 kbps untuk upload.<br /><br />Terhitung kecil memang, namun untuk membuka situs-situs berat yang dijejali tampilan grafis dan video dirasa tak terlalu lelet, serta lebih kencang ketimbang menggunakan jaringan dial up.<br /><br />Selain berfungsi sebagai modem internet, alat ini juga bisa digunakan layaknya ponsel. User bisa mengirim/menerima sms hingga untuk melakukan panggilan telepon. User juga ditawarkan 2 jenis perhitungan pemakaian, yaitu mau berbasis pulsa (dalam bentuk rupiah) dan berbentuk quota bandwidth.<br /><br />Ardhi Suryadhi - detikinet<br /></span>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-6337319328861237652.post-29360431746110694692008-12-19T12:32:00.002+07:002008-12-19T12:37:53.538+07:00Oracle profit of U.S. $ 1.3 billion<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgERgYlNBcFgSE7sXZoNQmke51HQI3CvDAHDtOOQRZ8i0xB3IWsD9eZ62lLhuskFYTdJ-AvS7AYfrAsc1BdzBqb9pjZAp6FNmvJPOxfauYSTEVMsB11SupV1d2wP1lq1jDCI2bJiI-X9a1e/s1600-h/showImage.php.jpeg"><img style="cursor:pointer; cursor:hand;width: 131px; height: 68px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgERgYlNBcFgSE7sXZoNQmke51HQI3CvDAHDtOOQRZ8i0xB3IWsD9eZ62lLhuskFYTdJ-AvS7AYfrAsc1BdzBqb9pjZAp6FNmvJPOxfauYSTEVMsB11SupV1d2wP1lq1jDCI2bJiI-X9a1e/s400/showImage.php.jpeg" border="0" alt=""id="BLOGGER_PHOTO_ID_5281370688341923394" /></a><br /><br />San Francisco (Bloomberg): Oracle Corp., software producer in the world's second largest, recorded little change in profit in the quarter after customers II to update the annual contract.<br /><br /><span class="fullpost"><br /><br />Recorded net income of U.S. $ 1.3 billion, or U.S. $ 25 cents per share, the same as the previous year, said the company based in Redwood City, California in this statement to PR Newswire.<br /><br />Including income from the acquired companies, sales rose 6% to U.S. $ 5.69 billion in the period ended 30 November, the decline from the average of estimates collected Bloomberg.<br /><br />Chief Executive Officer (CEO) Larry Ellison, 64, has spent more funds from U.S. $ 34.5 billion for the maker and a number of companies to add customers. This step provides a source of income for the Oracle contract from supporters.<br /><br />The majority of clients automatically renew the agreement, which contributed to the profit even though sales to weaken the new products.<br /><br />Not including the cost of acquisition and compensation, recorded a profit of U.S. $ 34 cents per share, in line with analyst estimations. They project sales of U.S. $ 5.82 billion.<br /><br />Bisnis.com<br /></span>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-6337319328861237652.post-89433629257195296162008-12-10T08:49:00.007+07:002008-12-10T16:54:04.762+07:00CBclickbank.com Money Flow PlanThere is no joining fee! There are no other hidden fees for joining. This program enables us to give you Internet business Tips very valuable and informative. You need to acquire as many as you can because you are being paid for direct and indirect referrals.<br /><br />Members earn for every direct referrals and for indirect referrals. This means that you do not only gain money for every person you refer, but you also get paid for the referrals referred by your referrals and then for their referrals and so on, 15 levels deep. The above table is an example which demonstrates how your earnings will accumulate.<br /><br />The example shows that you can make $167,422.89 by referring 3 people, but as we do not limit the number of your direct referrals, you may refer as many as you can and therefore earn quite a bit more.<br /><br /><div style="text-align: center;"><span style="font-weight: bold;">If you refer only 3 people and each of your Direct and indirect referrals also refers 3 people each.</span><br /><span style="font-weight: bold;">your earnings as below:</span><br /></div><br /><div style="text-align: center;"><br /><div style="text-align: center;"><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQvsob1gwEBMMdfJbwmE-bfJVmxtntmL9BGPgEJ_7GoSDUePUa8cx6AkRbDma_AbmJnKr8_eyqMNun3hVQ_8fhNKEauzTXYTdz7bykVXzGFGBsuJG4NBfB_gBFWqyjw8hxwgYxLu1P0IMm/s1600-h/clickbank.JPG"><img style="cursor: pointer; width: 400px; height: 199px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQvsob1gwEBMMdfJbwmE-bfJVmxtntmL9BGPgEJ_7GoSDUePUa8cx6AkRbDma_AbmJnKr8_eyqMNun3hVQ_8fhNKEauzTXYTdz7bykVXzGFGBsuJG4NBfB_gBFWqyjw8hxwgYxLu1P0IMm/s400/clickbank.JPG" alt="" id="BLOGGER_PHOTO_ID_5277986774337881730" border="0" /></a><br /><span style="font-size:78%;"><span style="font-family:Verdana;font-size:85%;"><b></b></span></span><br /></div><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://cbclickbank.com/affiliate/?r=sudharyantoadi"><img style="cursor: pointer; width: 132px; height: 19px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjJIC9GO-_5Z3N9_Yh6J-Zy1gXC4gdIMLdw-kO2wcPPfWw2GUlQ9jrKvAa_WEHSKXerOYtEeIr38LnwaM2rDYNLEuRXvef85BF6KvRWqSan9mvz5L88yMKkgZbRyjmvkgyBIw-ReEvqlp2o/s320/join.gif" alt="" id="BLOGGER_PHOTO_ID_5277988139632771410" border="0" /></a></div>Unknownnoreply@blogger.com10tag:blogger.com,1999:blog-6337319328861237652.post-51251269459912297642008-11-23T00:42:00.000+07:002008-11-23T00:47:22.384+07:00College Loan Consolidation For StudentsFor most students who incurred various debts and loans opted for a college loan consolidation. For the most students the benefits and advantages out weights the pitfalls. Thus understanding the basics of college loan consolidation gives more options.<br /><br />Few families and high-school students can afford to pay for a traditional college education without some financial aid, either in the availability of loans or scholarships. Many students who have student loans and are getting stress out with their financial management choose to take a college loan consolidation.<br /><br />Students currently enrolled in high school that are looking towards the future and college, may not have the costs of their schooling in mind when considering where to apply. Student loan consolidation basically lowers the monthly payment for all the student loans taken earlier.<br /><br /><span class="fullpost"><br /><br />You can always engage remission if you make a college loan consolidation or a school loan consolidation for all your student loans. Federal Student Loans set up several benefits over private loans. Applying for financial aid or student loan consolidation can seen overwhelming, but it is really quite steady.<br /><br />Stafford Loans are low interest rate loans borrowed in the students own name. There is no credit report review. Co-signers are not required. The funds for Stafford Loans are provided by private lenders and are subsidized and guaranteed by the Federal government. Generally, federal consolidation loans are easier to put than their private consolidation loan counterparts.<br /><br />The Direct Federal Loan Consolidation program offers a special income-contingent option to students who permit borrowed at a heavy level. One of the advantages to a consolidation loan is that the new interest rate is a weighted average of the interest rates of the combined loans rounded to the nearest 1/8 of a percent. Even if you put already consolidated loans before, we can refinance lone loan from solitary institution. Stafford loans, PLUS loans, private loans, they are all eligible for consolidation.<br /><br />Varying scholarships put varying requirements If you are going to settle upon a college loan consolidation or a school loan consolidation get hold of sure to look for the lowest rate of interest so that will not hurt you in the long run. Scholarships are provided by colleges and universities to their prospective students, as well as by private organizations, churches, insurance and mutual companies, and public service organizations. All scholarships carry fostering deadlines and minimum requirements. It is also always a good idea to find your high school counselor to check into local scholarships.<br /><br />Most scholarships are based on academic merit, athletic skills, religious affiliations, gender, or ethnicity. Many students interested in obtaining assistance with future college costs, apply for specific scholarships.<br /><br />The Federal Stafford Loans, available to both undergraduate and graduate students, are one of the top-notch affordable ways to pay for school. No credit check is required during the wizardry and there are no fees (in fact, the government prohibits lenders from charging fees) and no exercises verifications The improvement consists of a short federal form listing your contact answer and detailing the loans you owe, who currently holds them and what the balances and interest rates are. Anyone with qualifying federal student loans or federal parent loans is eligible for student loan consolidation.<br /><br />You can apply as soon as you finish school or after your loans go into a grace or repayment period.Be aware that your current lender may view you as a captive customer and as a result may not be as motivated to offer you additional incentives to consolidate.<br /><br />In order to permit a better handle on your debt burden, accept a school loan consolidation or college loan consolidation. Given the government sympathize with and subsidy, consolidation loans are very profitable for private lenders.<br /><br />Being well armed with the knowledge and understanding of college loan consolidation may give you the advantage of negotiating a better deal. College loan consolidation is available to almost any student but you to apply and qualify for it.<br /></span>Unknownnoreply@blogger.com4tag:blogger.com,1999:blog-6337319328861237652.post-17454206565291257342008-11-23T00:33:00.000+07:002008-11-23T00:41:14.231+07:00Fast College LoanCollege education ensures you the brightest future with the fact of being expensive. That’s why there is always a need of College Loan. Searches have shown that about 52% of financial aid comes in the form of loan. College loan programs can help fill the gap between your savings and the cost of college.<br /><br />Today, becoming a college student almost certainly means becoming a college loan borrower, too. With College Loans you don’t have to worry about making enough money to pay for each semester and you can concentrate more on your studies. Many students and parents takes the opportunity of College Loan to pay for most all college expenses, from tuition to every day college expenses, living expenses, transportation, student travel and other college related expenses.<br /><br /><span class="fullpost"><br /><br />The process of choosing an appropriate loan for college can be intimidating. Borrowers must carefully select the lender and must thoroughly go through their terms and condition. Students and parents must take the loan carefully as it is to be paid back. Before lending loan keep repayment options,interest rates in mind. Always go for the low interest rates, lower the interest rates are cheaper the loan is.<br /><br />Applying online for College loan by clicking on your desired lender is the fastest way possible for getting loan. There are dozens of website that provides you the facility of Fast College Loan. The process involves reviewing the loan rates, terms and conditions then filling out loan application. Funding is sent direct to the student, not the college or university. Some websites allows you to apply over the telephone.<br /><br />Fast College Funding offers fast student loans as well as other loans for college, making it easier than ever to apply and obtain a college loan fast.<br /></span>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-6337319328861237652.post-27916415055845242922008-11-23T00:29:00.000+07:002008-11-23T00:41:14.232+07:00College Loan Consolidation For StudentsFor most students who incurred various debts and loans opted for a college loan consolidation. For the most students the benefits and advantages out weights the pitfalls. Thus understanding the basics of college loan consolidation gives more options.<br /><br />Few families and high-school students can afford to pay for a traditional college education without some financial aid, either in the availability of loans or scholarships. Many students who have student loans and are getting stress out with their financial management choose to take a college loan consolidation.<br /><br />Students currently enrolled in high school that are looking towards the future and college, may not have the costs of their schooling in mind when considering where to apply. Student loan consolidation basically lowers the monthly payment for all the student loans taken earlier.<br /><br /><span class="fullpost"><br /><br />You can always engage remission if you make a college loan consolidation or a school loan consolidation for all your student loans. Federal Student Loans set up several benefits over private loans. Applying for financial aid or student loan consolidation can seen overwhelming, but it is really quite steady.<br /><br />Stafford Loans are low interest rate loans borrowed in the students own name. There is no credit report review. Co-signers are not required. The funds for Stafford Loans are provided by private lenders and are subsidized and guaranteed by the Federal government. Generally, federal consolidation loans are easier to put than their private consolidation loan counterparts.<br /><br />The Direct Federal Loan Consolidation program offers a special income-contingent option to students who permit borrowed at a heavy level. One of the advantages to a consolidation loan is that the new interest rate is a weighted average of the interest rates of the combined loans rounded to the nearest 1/8 of a percent. Even if you put already consolidated loans before, we can refinance lone loan from solitary institution. Stafford loans, PLUS loans, private loans, they are all eligible for consolidation.<br /><br />Varying scholarships put varying requirements If you are going to settle upon a college loan consolidation or a school loan consolidation get hold of sure to look for the lowest rate of interest so that will not hurt you in the long run. Scholarships are provided by colleges and universities to their prospective students, as well as by private organizations, churches, insurance and mutual companies, and public service organizations. All scholarships carry fostering deadlines and minimum requirements. It is also always a good idea to find your high school counselor to check into local scholarships.<br /><br />Most scholarships are based on academic merit, athletic skills, religious affiliations, gender, or ethnicity. Many students interested in obtaining assistance with future college costs, apply for specific scholarships.<br /><br />The Federal Stafford Loans, available to both undergraduate and graduate students, are one of the top-notch affordable ways to pay for school. No credit check is required during the wizardry and there are no fees (in fact, the government prohibits lenders from charging fees) and no exercises verifications The improvement consists of a short federal form listing your contact answer and detailing the loans you owe, who currently holds them and what the balances and interest rates are. Anyone with qualifying federal student loans or federal parent loans is eligible for student loan consolidation.<br /><br />You can apply as soon as you finish school or after your loans go into a grace or repayment period.Be aware that your current lender may view you as a captive customer and as a result may not be as motivated to offer you additional incentives to consolidate.<br /><br />In order to permit a better handle on your debt burden, accept a school loan consolidation or college loan consolidation. Given the government sympathize with and subsidy, consolidation loans are very profitable for private lenders.<br /><br />Being well armed with the knowledge and understanding of college loan consolidation may give you the advantage of negotiating a better deal. College loan consolidation is available to almost any student but you to apply and qualify for it.<br /></span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6337319328861237652.post-2863640331596467002008-11-23T00:27:00.000+07:002008-11-23T00:41:14.233+07:00College Loans for Students: Smart Way to Bright the CareerNumerous students get stuck in great difficulties of the economical when the time comes to pay the college fee, hostel charge, purchase new books and other pending expenditures. In these conditions they are in need of bridging cash to fulfill these requirements but they don’t have urgent cash. For such conditions College Loans For Students are suited option. With the help of College Loans For Students they can workout any type of problem of the education. People can opt for federal student loans, which is the most usually used and can be of two types, subsidized and unsubsidized. In case of subsidized loan, the government, not students, pays interest on the loan. However, these loans are granted to only those individuals who are already facing huge debts. In case of unsubsidized loans, interest is paid by students and is not delayed until after the student graduates. College loans are mainly two type of loans as College Loans For Students and other college loans for private students that can be provided to any one who has excellent credit score; it can be used for assorted expenses. These types of loans are known unsecured loans. As a result there is no need collateral, that’s why the rate of interest is slightly more than secured loans. The people suffering with default arrears, CCJs or bankruptcy are also worthy applying for College Loans For Students. The remuneration of the College Loans For Students there is no need to get into the credit rating and no paper work. The lenders who are attached with College Loans For Students ask the borrowers to fulfill few criteria as he/she must be more than 18 years, their active checking account must be at least 6 months old in the college bank account, they must be any UG or PG degree and they must have a residential proof of USA country. If the borrower has all the criteria, the College Loans For Students is wired in their college account within few hours on the same day. These types of loans are availed by the parents or the guardians. They can think about the future of their children. The repayment of the College Loans For Students is long terms and the rate of interest is low. So College Loans for Students are very constructive for everyone.<br /><br /><span class="fullpost"><br /></span>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-6337319328861237652.post-62153847478043342172008-11-23T00:25:00.000+07:002008-11-23T00:41:14.233+07:00The first step - Finding out about college loan consolidationWe might think that for a regular college student the main concern is to attend classes, study for exams and turn in the papers before the deadlines. However, this is not the case in North America. The students in the United States and Canada have to deal with quite complicated financial decisions throughout their years of higher education. The reason is that higher education in these countries is provided by private institutions, which offer quality education but at quite spicy costs. In these conditions, students and their families have to face tough financial decisions when they choose a college to attend. For most of them, the fees are too expensive so the first step is to try obtaining a full scholarship or partial financial aid<br />. For the rest of the expenses, there is the widespread option of contracting a college loan. <br /><br /><span class="fullpost"><br /><br />Students can contract more than one college loan during their four years of college. If they also pursue graduate studies, it is likely that they will end up with a collection of college loans that they end up paying back for many years after graduation. It thus turns out that a college loan is not something you leave behind at graduation, along with all the other college stories, but it is a life-long commitment. The practice of contracting a college loan is so common that an entire business has developed around it covering financial and legal services for the loan contractors.<br /><br />A college loan can be offered by either a governmental agency or by a private company that takes care of such financial services. If the student contracts all his student loans from the government, than he can use the option of college loan consolidation. College loan consolidation is extremely advantageous because it actually means replacing a whole set of different loans with various interest rates with just one loan having a unique rate. The main benefit of college loan consolidation is that it gives the chance to lock in the interest rate at its current value (the value at the time when the consolidation is made) thus offsetting changes in interest rates taking place over the next years, when the loan is being repaid. Nowadays, all recent graduates are advised to pursue college loan consolidation as soon as they can because rates for college loans are at an all time low and they will not remain so for too lone. Doing college loan consolidation now means that the student makes sure he or she will pay the same low rate for the following ten or more years, although interest rates for college loans may increase by 10% or more in this period.<br /><br />College loan consolidation is most commonly done by recent graduates, who are starting to face the difficulties of starting to pay back the loans. Usually, during the college years, the government will subsidize the payment of the rates for students. During the first six months after graduation, young people can still be saved the trouble of having to think about college loan consolidation because they are given a grace period during which no payments should be made. The wisest of them start thinking about college loan consolidation in this time though. They consider alternative options and decide which scheme for college loan consolidation is most beneficial for them. College loan consolidation may be a tough decision to make, the financial packages offered include details that may be tedious to follow and understand. That is why recent graduates may end up postponing thinking about it. However, they are being pressured more and more to become responsible and do college loan consolidation now because of the low interest rates they should be taking advantage of.<br /><br />While it is most common for recent graduates to worry about loan consolidation, for better informed students there is also the option of in-school consolidation loan. School consolidation loan means exactly that students can put their loans together during the college years. School consolidation loan has become more of an issue nowadays precisely because of the current low interest rates. Current college students also wanted to have the option of locking in these low rates (by graduation time, the rates will already have increased). That is how the option of school consolidation loan became more and more widespread. It is interesting to see how many of the present college students will be able to collect enough information and dedicate their time to get into a school consolidation loan program. Many colleges have started coming up with the option of offering counseling for school consolidation loans because they are aware of the difficulty of the task and of the tendency of college students to procrastinate on such issues. In many cases, it is the parents who take over the task of dealing with the school consolidation loan, which makes sense too especially because in many cases it is still the parents who help college students deal with their financial burdens.<br /><br />The intricacies of school consolidation loan force college students to face the financial and legal difficulties of adult life in the US earlier on. Perhaps the colleges should start thinking about offering an introductory class on these issues... It is very important that teenagers of all ages, including college students, receive an education regarding the financial reality and how a college loan consolidation could help them. After all, it is not fair to take advantage of the young and inexperienced.<br /></span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6337319328861237652.post-14372789184578159452008-11-23T00:04:00.000+07:002008-11-23T00:07:50.848+07:00Five Top Tips to Lower Auto Insurance PremiumsThe more you know about insurance and how it works, the more you'll be able to save off your premiums. The good news is that www.kanetix.ca has compiled a list of the most common money-saving tips to get you started.<br /><br /><span class="fullpost"><br /><br />Insure all your cars on the same policy<br /><br />Most insurance companies offer a "multi-car discount" for customers who insure more than one car on the same policy. This alone can bring you a savings of up to 10 per cent!<br /><br />Insure your home and car with the same insurer<br /><br />You can get up to 5 per cent off your premiums if you insure your car and your home through the same insurance company. This is commonly referred to as a "multi-line discount" and is offered by most insurance companies as an incentive to get your home insurance business too.<br /><br />Increase your deductibles<br /><br />A deductible is the portion of an insurance claim you agree to pay. Your insurance company picks up the rest. By taking on more financial responsibility, the insurance company considers you less of an insurance risk and will adjust your premiums accordingly. In other words, the higher the deductible you choose, the lower your insurance rate. How much are we talking about? That depends, but online quotes through www.kanetix.ca show that increasing your deductibles from $500 to $1,000 you could save about 5-10 per cent!<br /><br />Bonus tip<br /><br />If your car is getting up there in age, you might want to consider dropping the collision coverage on your policy altogether. Talk this one out with your insurance representative because you need to weigh the cost of the collision coverage with the value of your car and your deductible. But consider this, if your car is worth $1000, and your deductible is $1000, your collision coverage is not going to help.<br /><br />Choose a car that costs less to insure<br /><br />Sure they all have 4 wheels and get you from point A to point B, but each car is rated differently - mostly on its previous claims history. For example, the more likely the car is to be stolen or in an accident, the more you will pay for insurance to cover it. If you are buying a new car, compare quotes online first to see how your new car rates with insurers.<br /><br />Shop around<br /><br />Auto insurance coverage may be standard throughout the province, but insurance premiums are another story. Coverage from one company to the next can vary by hundreds of dollars. The only way to make sure you are getting the best price for your policy is to shop around and compare rates from several companies.<br /><br />About the Author: Copyright © CarJunky.com. This article is free for republishing. Original article: http://news.carjunky.com/car_insurance/five-top-tips-to-lower-auto-insurance-premiums-abc280.shtml<br /></span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6337319328861237652.post-16090543722001000532008-11-23T00:03:00.000+07:002008-11-23T00:07:50.849+07:00Five Insurance Mistakes That Could Cost YouJust because you have insurance doesn’t mean it will be enough to protect your hard-earned assets should the inevitable happen. There are countless situations - like a home fire, a car wreck with injuries, or someone getting hurt on your property (to name a few) - where your level of home or auto insurance could make or break your financial future.<br /><br />Here are five commonly made insurance mistakes and how to avoid them, according to Charles Valinotti, General Casualty Insurance Companies’ assistant vice president, and John Blodnick, Unigard Insurance Group’s vice president. <br /><br /><span class="fullpost"><br /><br />1. Buying the cheapest policy out there. You might save a buck by getting the minimum amount of insurance you legally can. But if the cost of an accident ends up being more than your policy covers, you’re still responsible for paying the rest. Other parties could go after you and your assets.<br /><br />2. Forgetting to pay your bills. There are plenty of understandable reasons why you might not pay your bill on time. But be warned that if you don’t pay your bill, your insurance company isn’t obligated to cover you - period. To avoid this, set up automatic payments through your bank or insurer or escrow for your home insurance. Otherwise, move your insurance bill to the top of the stack.<br /><br />3. Assuming your stuff is covered. Policies limit how much coverage they provide for certain higher value items. Have a diamond wedding ring? Antique silverware? Customized wheels on your truck? Nice stereo system? Expensive guitar? These could fall outside the realm of a typical home or auto policy’s coverage. It’s easy to rectify this problem by “scheduling” or adding extra coverage with an endorsement, which gives you higher limits on certain items.<br /><br />4. Not bothering with an umbrella liability policy. Umbrellas are only for rich people, right? “No, umbrellas are for every Tom, Dick and Harry. Think about your annual combined household income. Isn’t that worth protecting?” Valinotti said.<br /><br />What if someone got hurt during your child’s next birthday party or your upcoming backyard barbecue? You can purchase an umbrella for as little as $100 for $1 million of extra coverage, depending on the policy and which area of the country you live in. “It’s a risk not to have an umbrella, like playing the lottery with your financial future,” Valinotti said.<br /><br />5. Keeping your agent in the dark. If you’ve recently built an addition on your home or made a big purchase (see number three), talk to your agent. Without extra coverage, you could be underinsured. Or if you get your bill and decide you want less coverage, talk to your agent. Policy changes may or may not be a good idea, but it’s your insurance agent’s job to advise you.<br /><br />"Today, people often feel that an agent is not necessary,” Blodnick said. “However, considering the complexity of the products you are buying in an ever-more complex world, the expertise of a professional agent can be extremely important."<br /><br />For example, at a glance you may think, “I don’t need ‘other than collision’ coverage on my car.” But your agent would tell you that’s what covers you if your vehicle is stolen, catches fire, is damaged by hail or wind (such as a tornado), or if you hit a deer.<br /><br />Your agent can also suggest ways to save money on insurance without risking your financial security – such as taking a driver safety class, getting a home security system, taking down the trampoline your kids never use, increasing your deductible, or taking advantage of multi-policy or good student discounts.<br /><br />Contact your local independent insurance agent for a review of your personal insurance policies.<br /><br />About the Author: Copyright © CarJunky.com. This article is free for republishing. Original article: http://news.carjunky.com/car_insurance/five-insurance-mistakes-that-could-cost-you-abc288.shtml<br /></span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6337319328861237652.post-40778000591038326542008-11-23T00:02:00.000+07:002008-11-23T00:07:50.849+07:00Save Money on Your Car InsuranceThe number of auto accidents is decreasing -- and that’s a trend both drivers and auto insurance companies are happy about. As a result, many consumers could see a decrease in their auto insurance premiums this year. During the last year, auto claims at General Casualty and Unigard Insurance Companies have dropped more than 10 percent, a trend occurring across the property and casualty insurance industry. In addition, almost 90 percent of General Casualty customers have been accident-free during the last three years.<br /><br /><span class="fullpost"><br /><br />Fewer accidents lead to savings<br /><br />The Insurance Information Institute predicts auto insurance rates will rise only 1.5 percent in 2005, just one half the inflation rate and the smallest increase in five years. Auto owners with good driving records and safer cars could notice a decrease in their auto insurance premiums. How much savings will vary by state, insurance company and individual driver. In 2005, General Casualty auto insurance rates could decrease up to 8 percent. Unigard policyholders could save even more, thanks to decreased claims and a new policy pricing system available later this year.<br /><br />John Blodnick of Unigard and Charles Valinotti of General Casualty explain several factors contributing to this decrease, including safer and smarter vehicles and drivers.<br /><br />“Driving safely protects not only you and your passengers, but others out on the road. A clean driving record can also affect your insurance rates,” Valinotti said.<br /><br />Driving safer vehicles<br /><br />Valinotti recommends consumers purchase safer automobiles to help prevent accidents and protect their pocketbooks. “Airbags and anti-lock brakes are two auto features that insurance companies consider when pricing auto coverage. They’re virtually standard on all new vehicles,” said Valinotti.<br /><br />He notes that upcoming safety innovations could lead to even fewer accidents while saving consumers money on their auto insurance:<br /><br />* Smart cars: Auto manufacturers are upgrading new vehicle models with safety devices such as radar, digital cameras and navigational systems to detect objects in drivers’ blind spots and avoid heavy traffic or collisions. While some models already contain sensors that warn drivers when they’re too close to objects, Toyota, Lexus, Honda and Nissan will begin incorporating other advanced technology soon.<br /><br />* Smart highways: Future highway technology could help better manage traffic flow and improve safety. Controlled steering, electronic brakes and other devices would help maneuver smart cars on specially engineered highways, helping avoid collisions.<br /><br />* Breakaway engines: Some vehicles include engines designed to drop down under the vehicle’s floor instead of being pushed into the front passenger area during a frontal collision, helping reduce leg injuries.<br /><br />* Redesigned vehicles: Auto manufacturers are continually building safer cars. GM’s Uplander minivan model was rated “good” in recent frontal crash tests by the Insurance Institute for Highway Safety (IIHS). The rating is a vast improvement over its predecessor, GM’s Chevrolet Venture and Pontiac Transport/Montana, rated one of the worst performing vehicles in the history of IIHS’s frontal crash tests. Small pickup trucks including the Toyota Tacoma, Chevrolet Colorado and Dodge Dakota also scored better in the tests.<br /><br />Driving wisely<br /><br />“Safer, smarter cars only offer so much protection,” said Blodnick. “Safety starts with being an intelligent driver. Pay attention to others on the road and drive appropriately for the weather and traffic conditions.”<br /><br />To encourage safe driving, Unigard policyholders can accumulate up to 16 percent in savings credits for being accident-free. This credit is reduced if they’re involved in any "at fault" auto accidents, but they may continue receiving a savings for having a safe driving history.<br /><br />Later this year, General Casualty will also begin rewarding good drivers with a new auto accident forgiveness program. If a policyholder who hasn’t been “at fault” in any auto accidents during the past five years is in a collision and has been insured with the company during that same time period, his or her insurance rates will not include any accident surcharges. This could prevent rates from increasing anywhere from 20 to 50 percent, depending on where the policyholder lives.<br /><br />Other factors<br /><br />In addition, Blodnick points to the increase in states with graduated driver licensing programs. As more states implement the program to gradually phase new drivers to full driving privileges, the number of teen driving accidents is decreasing. According to the IIHS, since states began enacting graduated licensing laws in the 1990s, the fatal crash rate for 16-year old drivers has dropped 26 percent (from 1993 to 2003).<br /><br />Valinotti notes families may have more vehicles than drivers, meaning an insured vehicle spends more time sitting in the driveway or garage and is less likely to be involved in an accident. Rising gas prices could also lead to fewer cars on the road, especially larger, less fuel efficient vehicles.<br /><br />For more information about safer vehicles and driving and how they can lead to insurance savings, contact your independent insurance agent. Courtesy of ARA Content<br /><br />About the Author: Copyright © CarJunky.com. This article is free for republishing. Original article: http://news.carjunky.com/car_insurance/save_money_on_car_insurance_1456.shtml<br /></span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6337319328861237652.post-84073475399826995282008-11-23T00:01:00.000+07:002008-11-23T00:07:50.850+07:00Choosing a Car Insurance CompanyThese days, you can’t go five minutes while watching television without seeing the little lizard that is the mascot of you-know-who’s insurance company. On top of that, there are so many different types of insurance companies that it makes it nearly impossible to decide which is the best type of coverage for you. Everywhere you look you can see and hear about insurance companies: on the radio while driving down the road, during the commercial of your favorite show on Monday night, and even online, where each company is boasting that it has the lowest rates.<br /><br /><span class="fullpost"><br /><br />So, what do you do? How do you narrow it down? First, ask around. Start by questioning your friends or family members about where they go for insurance, how much the rates are, and how intensively the agent covers the important details. Make a list of the insurance company’s names and contact information and grab a notebook to keep your own records of the premiums and deductibles.<br /><br />Next, go to where you can get coverage: an agent in your neighborhood an insurance company that is online and has an 800 number. Many people recommend going directly to an agent instead of dealing with a direct market company because they are more thorough in configuring what type of coverage is best for which person or family.<br /><br />The bonus to getting car insurance through a direct market company is the convenience, which is quite possibly the reason it’s so popular. Many insurance companies offer free quotes for coverage that a person can get in a short phone call or by spending a few minutes on the Internet typing in important information. Coverage can often be purchased online, and some insurance companies provide rate quotes for a handful of other insurance providers at the same time to give clients more options and comparison.<br /><br />To find an agent in your neighborhood, check the phone book’s yellow pages or ask your friends and neighbors about local agents with good reputations. Avoid insurance providers who ask you to buy unnecessary coverage. With an agent, you get to work one-one-one with a certified insurance consultant who will try to find the best possible coverage to suit your needs at your budget.<br /><br />Also with an agent, when you have a claim to file you are able to deal directly with your agent about that claim. Basically, if there are any problems that develop, you have a person to go to instead of just calling a 1-800 number or logging onto a website.<br /><br />To save money when buying car insurance, make sure to shop around and get as many insurance quotes as you can from as many different providers as possible. Second, get the highest deductible that you feel comfortable with, because the higher the deductible, the lower your premium and monthly payments will be. Many insurance companies offer multicar discounts, better rates for good drivers, and discounts for safety features like air bags, so that's something else to keep in mind.<br /><br />Copyright © CarJunky.com. This article is free for republishing. Original article: http://news.carjunky.com/car_insurance/choosing_a_car_insurance_company_ac395.shtml <br /></span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6337319328861237652.post-20801966755894394992008-11-23T00:00:00.000+07:002008-11-23T00:07:50.850+07:0010 Ways to Save Big on Auto InsuranceAuto insurance can make a big hole in your pocket. Insurance premiums vary hugely between companies, agencies or agents, brokers, and of course the make of the car you own and your credit rating. To pay lower insurance you must: 1. Always maintain a good driving record. 2. Never accept the first estimate you receive. Be wise and check comparisons of different insurance providers at your state insurance department website or phone them. Their addresses and contact numbers can be accessed from http://www.consumeraction.gov/insurance.shtml the consumer action website. Be sure to get competitive quotes from different insurance providers. Contact providers that are strongly recommended by people you know well. Keep your peace of mind by checking the financial stability of the companies with rating companies like A.M. Best (http://www.ambest.com/) as well as in forums and blogs.<br /><br /><span class="fullpost"><br /><br />3. Complete a market survey well before you select a car make and make a comparative table of insurance and other hidden costs. Find out which features increase insurance premiums and which ones reduce premiums. For example if parts of a certain make are hard to find or expensive such cars will have huge insurance premiums, similarly installation of anti-theft devices or an extra brake system lowers insurance premiums. Many questions are answered by the Insurance Institute for Highway Safety at http://www.iihs.org/.<br /><br />4. Choose to have higher deductibles this will reduce the burden by at least 15-25%. But look at your finances first and determine whether you can set aside US$ 200-US$1000 periodically to create an emergency vehicle fund.<br /><br />5. Consider availing the insurance from the same company that has you covered for home, accident, or life. Many companies offer concessions to clients who have more than one kind of policy. Known as a multi-policy discount this could benefit you.<br /><br />6. Most policies are based on your personal credit record. Having an unshakeable credit history can lower costs. Pay bills on time, don’t avail too many loans, and be sure that credit balances are as low as possible.<br /><br />7. Avoid duplicating medical coverage. Find out whether eliminating medical cover in auto insurance will reduce your premiums or the personal injury protection costs. In some places the reduction is as much as 40%. So, if you have adequate health insurance you could weigh the pros and cons of eliminating this in auto insurance.<br /><br />8. Find out if insurance premiums are dependant on where you stay. Sometimes staying in a rural community or suburbs as against the city center could save you a bundle.<br /><br />9. Take advantages of discounts like low risk career, low mileage, taking public transport to work, car pooling, no violations or accidents, taking defensive driving courses, following safety rules and regulations, or having a child who studies far away.<br /><br />10. Use the reductions offered for insuring more than one car belonging to the family. Many companies have special offers for corporate organizations, club members, professional groups, alumni groups, or clubs.<br /><br />Make time to make a big saving. Check through all the parameters and mark areas where a saving can be made. The market is competitive and you can be the beneficiary.<br /><br />About the Author: Paul Wilson is a freelance writer for http://www.1866Cars.com , the premier website to find help on Cars including topics on car rental, national car rental, thrifty car rental, online car rental, pickup trucks rental, cargo van rental and more. He also freelances for the premier Car Insurance Quotes site http://www.1888Carinsurance.com This article is free for republishing.<br /></span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6337319328861237652.post-54033823032518393762008-11-22T23:55:00.000+07:002008-11-23T00:08:54.378+07:00Auto Accidents and Personal Injury LawsuitsLawyers.comsm<br /><br />If you've been injured in an automobile accident, you can file a personal injury lawsuit against ther person who caused the accident. The suit tries to prove that the driver of the other vehicle caused the accident due to failing to pay attention or take reasonable care.<br /><br />To prove that the person wasn't using reasonable care when driving, you need find out if there was:<br /><br /> * The legal duty to use care<br /> * A violation of that duty, and<br /> * A direct relationship between the accident and the injury.<br /><br />This depends on what the other person should have anticipated at the time of the accident and not what actually happened. <br /><br /><span class="fullpost"><br /><br />Duty of Care<br /><br />Automobile accident lawsuits are largely determined on whether the other person met his duty of care while driving their vehicle and if their actions created an unreasonable risk. Generally, if a risk can be reasonably anticipated, it must be avoided.<br /><br />A particular level or standard or care must be met when operating a car. To meet this standard or duty of care, drivers must:<br /><br /> * Operate the vehicle at a reasonable rate of speed<br /> * Keep the vehicle under proper control<br /> * Look out for all situations that could result in an accident<br /><br />What Caused the Injuries<br /><br />For a motorist to be liable for your injuries, his conduct must have caused your injuries. His careless conduct must have in fact contributed to your injuries. If you would have been injured even if the motorist had not acted as he did, the motorist is not liable.<br /><br />Also, a reasonable person must be able to foresee and anticipate a risk of harm to others. For example, you're crossing the street in the crosswalk and are hit. The person driving should have taken reasonable care that you were walking across the street when they hit you.<br />Intervening Causes<br /><br />A defendant may not be liable to the plaintiff if some force intervenes with the defendant's original negligence and actually causes the accident or injury. For example: A motorist was negligent and caused a collision with another vehicle and a police officer responds to the accident. If the officer is then injured in another collision at the accident scene by a third motorist, the negligence of the third motorist is an intervening cause with respect to the police officer's injuries, and the first motorist would not be liable. The action of the third motorist could not have reasonably been anticipated by the first motorist at the time of the first's motorist's negligence, and the third motorist's actions were the actual cause of the officer's injuries.<br />Damages and Awards<br /><br />When you propose a lawsuit, it's usually to cover damages to you or your property. The award is usually money, but may be in other forms as well to compensate for injuries or other economic losses, medical expenses and pain and suffering.<br /><br />Punitive damages are designed to further punish the person or company that has been found guilty in excess of the standard care one would expect.<br />Defenses to Personal Injury Lawsuits<br /><br />If someone is being sued because they were somehow at fault, there are certain actions to take to defend themselves.<br /><br />Contributory negligence is conduct by the plaintiff which creates an unreasonable risk of harm to the plaintiff and which helps to cause the plaintiff's injuries. The plaintiff's negligence and the defendant's negligence together cause the plaintiff's injuries. In states which have adopted the doctrine of comparative negligence, the plaintiff's damages are reduced by the percentage of the plaintiff's contributory negligence.<br /><br />Assumption of the risk is conduct by which one person agrees to assume the risk of harm arising from another person's negligence, or where a person agrees to accept the risk presented in a given situation. For example, a person can sign an agreement in which he agrees to not hold a second person liable for injuries caused by the second person's negligence. A person can assume a risk by taking action, such as pushing a vehicle in traffic, which involves accepting the risk of being hit by another vehicle.<br /><br />Under the emergency doctrine, when a person is confronted with an emergency requiring immediate action and doesn't make a decision about what do, they can't be found negligent if they don't choose a course of action that would had a better outcome.<br /></span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6337319328861237652.post-24748389007626256732008-11-22T23:26:00.000+07:002008-11-23T00:08:54.378+07:00Endowment Policy - Careful Cancellation EssentialBack in the 1980s word went around that there was a wonderful new way to pay your mortgage. In those days the process of getting and running a mortgage was almost sacrosanct, and little variation was available. A fairly common route to take was to open an account at the Building Society of your choice, and to put in as much money as you could, the intention being to prove to said Building Society that you were prudent and could be trusted with their money.<br /><br />When the time for a mortgage arrived, it was best suit on for an appointment with the branch manager to convince him of your dependability, and if you were successful you were given a (typically) 25 year repayment mortgage. Inflation was your friend because you usually started off committed to a monthly repayment which made yours eyes water, but as time went by the real value of this dwindled in significance.<br /><br /><br /><span class="fullpost"><br /><br />When you had completed your 300 monthly repayments the property was yours. It was all very straightforward until the endowment mortgage arrived. With this you paid only the interest due, with a promise of lower monthly commitment. At the end of the term a sum would be handed to you which would be sufficient to pay off the capital sum of the mortgage and leave you with enough to enjoy a brief excursion into the wild life of regular meals and even exotic holidays, which in extreme cases may even have been outside the UK!<br /><br />That was the dream which was eagerly taken up by many hardworking mortgage owners and unfortunately, also by some over eager salesmen. The sum necessary to pay off your mortgage was not guaranteed, and in the majority of cases it didn't. Therein lies the formation of the mis-selling scandal; many building societies took great care to explain to their mortgage customers the modus operandi of the endowment system and the many pitfalls which could trap the unwary. Tragically many individual salesmen and some building societies omitted to adequately cover some of the less palatable facts.<br /><br />This created great distress in some cases; figures produced for 2004 show that almost 7 million endowment mortgages were unlikely to provide sufficient funds to pay off the mortgage debts, leaving less than 2 million which should achieve their objective. Thus the flood tide of the 1980s which saw home owners clamouring for endowment mortgages suddenly became an ebb tide, with endowment holders looking for a way of getting back to the old system, or to one of the newer but more reliable alternatives. Great caution is necessary in this situation.<br /><br />First of all you need to look carefully at your endowment mortgage to determine its value. If you are still in the early years of its operation, you will find that despite your monthly payments you have a document with very little value. This is because you have been paying the premium for the endowment agreement itself, the interest due on your mortgage loan and life insurance to cover repayment of the loan if you should die before completion.<br /><br />A very important factor in an endowment is the terminal bonus. You will have received the benefit of annual bonuses along the way, but the terminal bonus is normally the very high value one; it could well provide more than half the final value of the payment which you will receive, but will be lost if you cancel. To make matters more difficult, the value of the terminal bonus is not guaranteed and will not be known until the endowment is fully paid up. It may be that you are in the situation where you will lose money whichever route you take.<br /><br />If you do decide to proceed with the sale of the endowment, either because you need the money or because you are in the fortunate position where sale would be advantageous, you need to shop around. Certainly you should obtain a sale figure from the company who provided the endowment in the first place, but you are also free to go into the market place for these mortgages and see what offers you can get. It is very likely that the price which you will be offered in this way will be better than that which the original issuer is prepared to allow you.<br /><br />You will find that different companies have different criteria relating to which endowments they would be interested in buying. For instance, some will not be interested if the sale value is below a certain figure, or may require the endowment to have been operational for a specific minimum period. Realistically you should seek professional help in reaching a decision; a company which has contacts within the Association of Policy Market Makers (which represents companies who deal in endowment trading) will be better placed to find you the best deal. There will be a charge for their expertise, but you should benefit from a better price and save yourself a lot of time, work and worry.<br /><br />Remember that if you sell your endowment mortgage, you will fairly certainly also be cancelling your accompanying life cover and should ensure that you obtain a replacement policy, preferably before the cancellation takes effect. There is little harm in duplicating your cover for a short time, but there could be very unfortunate results from even the shortest period without cover.<br /></span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6337319328861237652.post-76803869110067288702008-11-22T23:23:00.000+07:002008-11-23T00:08:54.378+07:00What is an Endowment Sale?An endowment sale is a transaction that takes place when an endowment policyholder decides to sell the policy. An endowment policy buyer is the entity who purchases the endowment, usually a company that specializes in making this type of purchase. An endowment policy is a regular savings or investment plan combined with life insurance in a single policy. If the owner dies before the policy reaches maturity, the endowment policy life insurance company pays out a specified amount of money.<br /><br />There are a number of ways an endowment sale can take place. First, an endowment sale can be handled personally, with the policy owner contacting an endowment purchasing company. This type of endowment sale is fairly easy to complete, and most financial advisors will walk the policyholder through the process. <br /><br /><span class="fullpost"><br /><br />Another way to complete an endowment sale is at an endowment auction, or through what is referred to as a market maker. A market maker is a window through which endowment policy traders can make offers to purchase policies. It is akin to the stock market, but on a much smaller and calmer level. In this type of endowment sale, the policy trader can farm out the policy and get a better price by offering it in the open market.<br /><br />There are two primary types of endowment policies: unit linked and with profits. A unit linked endowment policy involves monthly premiums that are invested into units. The value of this policy can fluctuate depending on the performance of the investment.<br /><br />If there is strong economic growth, a unit linked endowment policy is the best option. If the market is down, however, so is the value of the endowment. The current value of the policy has an impact on the outcome of the endowment sale.<br /><br />The more traditional endowment policy is the with profits variety. This type has a guaranteed value and will never go below a specific amount. This is the safer route for those not willing to take a risk with the unit linked policy.<br /><br />Cashing in an endowment policy is a major decision. There are many alternatives to an endowment sale that are worth exploring before taking such a big step. Most individuals seek an endowment sale because of drastic changes in their circumstances, such as divorce or a change in mortgage arrangements. More recently, a low maturity projection by the endowment policy issuer has become another reason to carry out an endowment sale. <br /></span>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-6337319328861237652.post-39559855395130500842008-11-22T23:21:00.000+07:002008-11-22T22:30:44.953+07:00GLOBAL THREATSGlobalization and free market are expected as the global effort to improve efficiency. Global trade to help many countries to develop more quickly. Globalization is also considered to make the developing countries gain access to knowledge that can not be obtained previously. Globalization is as if the progress that must be accepted developing countries, if they want to grow and fight poverty effectively. But for most people in developing countries, globalization does not bring the promised economic benefits (Stiglitz, 2002:6).<br />Globalization in practice, developing countries must pay for the welfare of the efficiency of the world's developed countries. South efficiency of the global fund for the benefit and progress of the North. Market failures or failure, market failure occurs everywhere, not only because of the conditional demands for the realization of the market that can be self-regulating is not met (because of the assumption realization of the competition-free for the formation of a pure free market is not proven empirical-realistic), but also because of the economic interests and nonekonomi that must be maintained and through efforts to distort the market significantly (Swasono, 2003:83).<br /> <br /><span class="fullpost"><br /><br />Joseph E. Stiglitz <br /><br />The increasingly wide gap between the rich and the poor has raised a lot more people in the Third World to become increasingly poor. In 1990, 2,718 billion population live with less money than $ 2 per day, whereas in 1998 the number of poor people who live with the money less than $ 2 per day is estimated to be 2,801 billion. This happened with the increase in total revenue in the current world average of 2.5% every year (World Bank, 2000:29).<br /><br /> <br /><br />World Bank Office in Washington <br /><br />Globalization has not succeeded in reducing poverty and ensuring stability has not been successful. The crisis in Asia and Latin America has been the economy and threaten the stability of developing countries, even the 1997 crisis and 1998 is a threat to the entire world economy.<br /></span>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-6337319328861237652.post-15892422822529877692008-11-22T23:08:00.000+07:002008-11-22T22:32:03.223+07:00Virtual Credit Card, for verification PaypalDear Netter,<br /><br />You already know what that is a Paypal site that serves as a mediator of payment, or receive payments from other people.<br />Almost exactly with a bank, where you can transfer money from one account to another account.<br /><br />Paypal in the service received more than millions of sites that sell products is a good goods, services, software, etc.. <br /><br /><span class="fullpost"><br /><br />This, for instance you want to buy a software on certain sites, and sites seller accepts paypal as a payment, then you simply transfer the money only to the paypal account, to transfer paypal, you must have a paypal account first, and account paypal you must be verified.<br /><br />To create a paypal account is not difficult, you just fill out the registration data with a complete and correct in accordance with the existing card in your identity.<br /><br />To fill your Paypal account is easy, there are many exchanger, which receive the e-currency exchange. for example, is the site nanaimogold.com. , For example, you have the money in the account of Liberty reserve, e-gold, e-bullion, etc., then you can change money in your e-currency is a currency Paypal.<br /><br />But even if you have a fund of 1 Million Dollars for example, will be free paypal account if you have not been verified. in karenakan paypal account if you have not been verified you can not do your funds to your account at the Bank Indonesia,<br />eg from paypal would transfer to the account at the Bank BCA you.<br /><br />Besides, If the account has not been verified paypal, you can only transfer of $ 100 / month, more than $ 100 can not.<br /><br />So that you verified paypal account, you must enter data to your credit card, for instance, the card number, date expired, ID Card, etc..<br />This is for the owner of a credit card is not a problem, but how do not have a credit card? Well, perhaps the explanation about the Virtual Credit Card can be the solution.<br /><br />What is a Virtual Credit Card?<br /><br />Virtual Credit Card is a credit card, the difference between this card is not shaped plastic, can not hold on, only the data that credit card information only.<br /><br />For example, if you buy a Virtual Credit Card, you will only receive information, such as below in your email:<br /><br />Card Number: 16 digits<br />Expired Date: month / year (month / date valid card)<br />ID Card / CVV2: 3 digits<br /><br />But although Virtual credit card is only the form data, the information is functioning as you have a real credit card, with the notes you only use the Internet only, if at the mall - shopping malls, real shops, gosh you can catch in the satpam, cooking pay card use virtual one.<br /><br />This virtual credit card you can also use paypal for verification.<br /></span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6337319328861237652.post-19871477809216508382008-11-22T22:32:00.000+07:002008-11-22T22:31:23.131+07:00Insurance What's We NeedQuoted from Tabloid NOVA No. 787/XIV<br /><br />Human plan, but God also determine that. This expression is commonly heard, and we may also have been there since the days of yore. If the snow did we, the phrase is actually contain a hidden message: life is full of risk. What? Many, Mr.-Mother. From the small risk, such as tepeleset in the bathroom, until the risk of loss of property, members of the body, even death.<br /><br />The question now, whether we should assign only, or in fact do the best preparation for the guard in case the risk is to arrive. As financial planners, of course, I recommend the last option. I mean not to invite you to think pessimistic, but otherwise seemed to invite you to think far ahead. There are many goals in front of it you still want to achieve. Therefore, in achieving the objectives before, you should also prepare ourselves facing a number of risks that may occur.<br /><br /><span class="fullpost"><br /><br />One of the anticipated risk that you can do is to take a number of insurance. Here I will inform the various risks that may occur to you, and manages to insurance.<br /><br />1. Death<br /><br />The risk of death can occur at any time without the blue. When the die is a kara, certainly not a problem. Repotnya if the death is still have dependent children or other family members. How would they? From which they can eat and pay school fees?<br /><br />If you currently have other people whose lives you responsibility, of course, the life insurance should be considered. If there is life insurance, the people you leave behind will get some insurance money that he can use to pay for his life. So, there is a third party that will "keep" the people you leave behind.<br /><br />There are many insurance companies that provide this service. All strive to provide the best service with a variety of other cajolery. You need not hurry themselves or close vote. Use your time to qualify a company which bid and provide the best service.<br />2. Accident<br /><br />Wherever you are, the risk of accidents would still exist. Your plane, train, ship, little chance of any kind always there. In fact, there are incidents of people running in the open field suddenly fall aircraft. There is also a bus had hit a home nyelonong and mencelakai of the residents are sleeping.<br /><br />What happens if you have an accident? You will usually be taken to the hospital. You also will stay if the injuries you need treatment long enough. The worst result, your disability. Can be one of the organs of the body or you do not work. As a result, you can no longer work and earn money.<br /><br />Therefore, Mr., Mrs., to anticipate the risk is taken only accident insurance. Insurance, accident insurance provides money when you have an accident that should be treated in the hospital Inap, experienced disability or even death. Just as the death of insurance, there are many companies that offer accident insurance. Generally, they provide an affordable premium.<br />3. Ill<br /><br />Pain is expensive. If you get sick, at least you have to go to the doctor so that there is a consultation fee you must pay. Not to drugs, and if Inap treated in hospital. Yes, if there is money. If not? Some hospitals are now requesting advance before you enter treatment. Yet again if you need an operation.<br /><br />To guard from this situation, you can take health insurance. Compared to some years ago, now more and more insurance companies to sell this product. There are products that provide a replacement hospital alone, or the replacement of hospital outpatient reimbursement plus, plus drugs also. Now, you live alone determine the best options to suit your needs.<br />4. Music of the House<br /><br />Recently we witnessed frequent occurrence of the fire. Both the market, office or residential. Now, if it falls to befall the house you live now, imagine what will happen. Repotnya, not all people have enough money to rebuild their houses affected by landslide, so many that eventually must stay at home brother, or more Apes in emergency tents. For this kind of landslide insurance is also available. Usually, the price is quite affordable.<br />5. Music of the Vehicle<br /><br />You have a car or motorcycle? Your vehicle is also likely to have accidents. Now if only this drive, can be almost the only other vehicle memepet-mepetkan problems light to my vehicle. And it happened almost every day, especially in large cities. Even have to drive carefully can still be victims due RADIO other drivers who do not know the rules.<br /><br />When the risk of accident is quite big, harmless to car insurance. Furthermore when the vehicle is to support you in search of sustenance. When you asuransikan, when the damage occurs, the insurance company who will to bear.<br /><br />In conclusion, there are a variety of insurance that you prioritize. Then you can determine whether it needs to take some or all of need. You know the exact condition of your self.<br /></span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6337319328861237652.post-74757751017203513372008-11-22T19:53:00.000+07:002008-11-22T22:31:01.556+07:00Knowledge CommercePublic Internet increasingly rampant, a small investment with the possibility of a quick ROI in just in asosiasi-warnet@itb.ac.id. Presence Garnet & Internet Service Provider (ISP) in Indonesia is very important for services on the Internet such as online media. Without access to the Internet users will Die services on the Internet. But things such as his other business access, ISP & Garnet is a business with a marginal profit. Bundling with other services that will support the overall business access.<br /><br /><span class="fullpost"><br /><br />Services on the Internet no less rampant - the lack of regulatory information memarakan online media in Indonesia, in addition to the print and electronic media. Detik.com online media, golly! Com, etc. are true. Add more vibrant world Matt assisted with media penetration of the press and publishing partners, such as campus kampusonline@egroups.com, angkringan@egroups.com based peer students. Also on the unforgettable colleagues AJI, which adds a lively coverage of independence.<br /><br />Of course, here we are talking data, facts and information. Data, facts and information in komodity peers is a very hot (perhaps even most heat) if we see a high online media. Clearly visible in the cache server at the campuses will be places online media on top of the ranking of web pages most frequently in Internet access by the user in Indonesia. Hit rate higher stock prices helped the online media.<br /><br />Trade materials and services are also not lose interest in e-commerce, e-business to attract many actors around in it. Lippo-e-net and equivalent institutions start moving with his roadshow to form a community. It has not been set but online media is quite promising.<br /><br />If the note is in the business / business access followed by the material transactions, data, information thereon. With the simple logic, there should be strata transactions higher than simply the material, data, facts and information. Strata knowledge (knowledge) and the last Wisdom is not usually traded in a vulgar. Both the strata is higher than just data, facts and information.<br /><br />Many are not yet a portal "transactions" knowledge, traditional forms of transactions are still done as a consultant as mckinsey.com, ac.dom, forrester.com. Or in formal academic education, such as distance, which is also currently still done the conventional. Platform for Internet-based information technology allows the acceleration of the transaction information and knowledge - this platform should change the paradigm of the learning process of empowering the knowledge that for at anut this. Fast or slow disintermediasi will occur in the body accreditation audit & accreditation process so that brokers and the audit will be directly by the people. Evaluation accreditation audit knowledge will be someone from a person's ability views in a transparant by the public, assisted by the electronic media, in a simple transaction domain knowledge implicit, explicit in the Internet-based platform will eventually allow the public to performance audits done by someone easily. The concept of a diploma, accreditation, the state exam to become blurred - do it all? In the e-Millennium platform that enables society audits occur?<br /><br />Knowledge commerce become a hot commodity on the accreditation body disintermediasi & audits occur and the amount of the existence of large mass of people versed in the platform that allows information society audits occur. Knowledge management will become the main gateway in domain knowledge commerce; different online media portals that we know this. Portal knowledge management must be able to process transactions between the implicit knowledge of human interaction through media such as mailing list, to the knowledge explicit form of documents, research results, which are integrated in the digital library, and the last of the potential in the form of the results of the analysis of raw data and the spread of various information. Embryo knowledge commerce has actually looks like in the digital library by the ITB team led by Ismail Fahmi (digilib@itb.ac.id) related to the network of 20 libraries, knowledge management initiatives are also supported by the Telecommunications Research & Development Foundation of Indonesia (YLTI) .<br /><br /><br />Dr. Onno W Purbo<br /></span>Unknownnoreply@blogger.com0