Tips insurance and job vacancy

Home Insurance Tips For Peace Of Mind

2009-03-03T20:16:00.000-08:00

Brits need to follow important home insurance tips when looking to protect their most valuable property. Finding the right cover at the right price is as important to a home buyer as getting a good deal on the purchase of the property. Many home owners learn the hard way that cutting corner on home protection is not a good idea.

Home insurance is vital to providing security and protection for the investment and risk Brits bring to a property purchase. The biggest mistake many Brits make when buying home insurance is cutting corners on premium costs to save a little money. Most lists of home insurance tips begin with making sure to obtain full protection near the top.

Some insurance customers mistakenly believe that insurance protection should cover the current market value of their home. This is not correct. Full insurance cover usually covers a bit more than the current market value of the property. Home insurance is needed to provide for the cost to rebuild or replace damage to the home. Thus, protection should be based on the cost for replacement, including materials and labor. A home that was built using different materials or materials that have increased in cost, would require more money to replace than the existing home cost to build.

Along with providing for replacement of the main building of a property, full cover should also provide protection for out buildings, gardens, or other external property pieces that are important to the property.

The problem for many consumers is that some home insurers, attempting to be helpful, recommend lower cost premium options that save the customer a little money each month, but could potentially cost them thousands of pounds if damage is incurred to the property. A home insurance specialist assists customers by finding protection solutions that provide peace of mind that their full property is protected, while also providing a reasonable cost.

Home insurance should also cover the loss of personal property maintained in the home. Insurers typically ask the customer in an interview for an estimate of the value of personal property. This protection benefit helps cover the personal items that could be lost in a fire, flood, or other disaster.

Other home insurance tips for buyers include finding other customize solutions that might help in a home owner’s particular situation. Many standard insurance plans also provide protection for injury to either residents or guests who might be injured in the home. Especially with homes that have stairs or other potential health hazards, it is important for owners to have protection in the event of liability.

Obtaining adequate home insurance protection is the most important of all home insurance tips. Again, it is more important that a home owner be protected from the potential loss of thousands of pounds from home damage or loss, than it is to save a few pounds each month in insurance premiums by cutting corners. Home insurance is an investment in security and peace of mind. It is an investment in one’s future.

Merchant Account Provider

2009-02-13T08:59:00.000-08:00

Historically credit card processing services were provided by banks that were members of the Visa or Mastercard networks. Typically both banks issued credit cards and process merchants helped them, but over time the industry consolidated. Now, very few banks issue credit cards and the industry is dominated by a few large issuers - Citibank, Washington Mutual, Capital One, MBNA / Bank of America, and Chase. Even fewer banks process credit cards. Banks found that it was not within their skillset to convince every small merchant to accept credit cards, and they began to Outsource the selling of such services to small companies called ISOs (Independent Sales Organizations). They also found that massive scale helped reduce the cost of processing credit cards, so they began to Outsource processing to a few giant processors including TSYS, First Data and MSI.

Now, while some merchants buy their credit card processing services directly from a bank, more Typically they get their credit card processing services from an ISO, which is responsible for selling the service to the merchant, providing technical support, processing the transaction (authorizing it and submitting it to the Visa or Mastercard network), bears the risk of chargeback (s), and sets the price of the services. If the ISO is a small ISO it might Outsource some of those services (for example providing technical support) to a larger ISO. Except for the few very largest ISOs, the ISO outsources the actual processing to a larger company that focuses solely on processing.

While each of the firms discussed above provides merchant accounts and could legitimately be called the merchant account provider, in practice the phrase usually refers to whichever organization has responsibility for maintaining the relationship directly with the merchant.

Critical Illness Insurance. Insurers Under Fire

2008-12-13T10:13:00.000-08:00

Recent press coverage has again lambasted the insurance industry over critical illness insurance. The underlying problem is that a critical illness claim is not as straightforward as, for example, a claim under car or life insurance. With car insurance it's patently clear whether or not you've had an accident - the damage is there to be seen and repaired. And with life insurance it's going to be hard for the insurer to argue that you're not dead!

By their very nature, critical illness claims are far more complicated. The insurers will need to satisfy itself that the claim is valid in three primary areas before it pays out: -

Is the medical diagnosis correct?

Is the diagnosed illness included in the schedule of insured critical illnesses listed within the policy documents?

Did the policyholder fully disclose their state of health and medical history on their original application form?

It's clearly in the policyholder's interest to check that the medical diagnosis is correct - so there's rarely ever any conflict between the policyholder and the insurance company on that issue. It's the other two areas which require validation where conflicts sometimes arise.

With constant research and development in the medical field there can sometimes be some illnesses where validation falls into a grey area – it can be argued that an illness is insured and it can be argued that it isn't. Insurance companies are aware of these problems and they frequently revise the wording on policies in an attempt to clarify the extent of the cover and eliminate scope for dispute. Nevertheless, disputes are relatively common and sparks fly when the policyholder thinks he is insured but the insurer disagrees. This is illustrated by a case that comes before the Courts shortly. Mr Hawkins from Staffordshire is suing Scottish Provident under the terms of his £400,000 critical illness policy. Basically, his medical advisers believe his illness is insured whereas Scottish Providents' medical advisers disagree. If Mr Hawkins wins his case, the press will have a field day and the critical illness insurers will suffer further bad press it can ill afford.

Another summons, filed recently in the High Court, highlights the problem when an insurance company believes that the claimant mislead them on his or her original application form. Our understanding is that if an applicant misleads or leaves out relevant information, this amounts to obtaining insurance cover on false pretences. The High Court summons relates to Thomas Welch from north London who is suing Scottish Provident for £206,800 which includes interest. The problem goes back to 2000 when, a few years after starting his critical illness policy, it was confirmed that Mr Welch had testicular cancer. The insurer refused the claim because of “non-disclosure saying that Mr Welch had not been honest about his smoking habit. He admits that he did smoke earlier in his life but is insistent that he had long since stopped when he applied for the insurance. As such, Mr Welch claims that he did honestly complete the application. We suppose that the case will centre upon whether Mr Welch accurately answered the questions about smoking. Most insurance companies define “a smoker” as a person who has smoked or otherwise taken nicotine products within the previous 5 years. If Mr Welch had smoked during those years, he would have had to answer “yes” to that sort of question and his insurance premium would have been as much as 65% more than he would have been charged as a non-smoker. We speculate that his lawyers may argue that either he did not smoke during the period in question or he omitted the smoking information by simple oversight and that his past smoking was not relevant to his testicular cancer. Interesting issues. We shall follow the case and let you know the outcome.

Mr Hawkins case illustrates the problems that can arise if insurance documents imprecisely define an illness or when the technical diagnosis of an illness leaves scope for medical experts to disagree. Both issues are entirely outside the policyholders control at a most difficult time for them and their families and we can well appreciate their anguish. The long-term answer must lie in improving the medical definitions within the policy. The probability is that this will lead to increasing the technical medical jargon which the man in the street would find difficult to understand - but that must be preferable compared to what Mr Hawkins is going through.

The other court case must stand as a clear reminder to all that insurance applications must always be 100% accurate and completed in good faith. We recognise that this may still leave room for dispute (and Mr Welch's case may be a case in point), but if an applicant fails to accurately complete the forms, they are taking the significant risk that any subsequent claim will be rejected.

Rightly or wrongly, the press have a track record of giving the insurance industry a hard time, casting them as heartless big business. This reinforces the public's impression that insurance companies are not to be trusted and especially it seems, with regard to critical illness insurance. This view is bolstered by the fact that around 20-25% of critical illness claims are rejected (the rejection rate does vary between insurers). This issue is something that insurance companies must get to grips with – it is bad for their clients and bad for the development of their business.

This is a crying shame. 1 in 6 women and 1 in 5 men will be diagnosed with a critical illness before their normal retirement age* and as such, critical illness insurance can greatly protect the finances of those unfortunate enough to be diagnosed.

Lowongan Quality Assurance

2008-11-02T09:38:00.000-08:00

Company: PT Supra Boga Lestari (Ranch Market)
Industry: Retail
Contact Person: HRD
Company Description: The most respected, loved, and trusted thought leader in Indonesia's supermarket industry

Job Title: Entry Level
Job Function: Internal Audit
Job Position: Quality Assurance
Work Location: Jakarta
Education Level: Bachelor's Degree
Major: Food Technology
Work Experience: At least 1 year
Offering Salary: Not specified
Requirements:
- Good Interpersonal Skill

- Mampu bekerja dengan team

- Bersedia melakukan perjalanan keluar kota

- Mampu berbahasa Inggris dengan baik

- Menguasai komputer

Posting Date: 28 October 2008
Closing Date: 11 November 2008

Quality Assurance for Food Job vacancy

2008-11-01T09:36:00.000-07:00

Company: PT Supra Boga Lestari (Ranch Market)
Industry: Retail
Contact Person: HRD
Company Description: The most respected, loved, and trusted thought leader in Indonesia's supermarket industry

Job Title: Entry Level
Job Function: Quality Control
Job Position: Quality Assurance for Food
Work Location: DKI-Jakarta
Education Level: Bachelor's Degree
Major: Dietician
Food Technology
Work Experience: At least 1 year
Offering Salary: Not specified
Requirements:

- Mampu bekerja dengan process yang detail

- Mengerti tehnologi pangan

- Mengerti GMP & HACCP

Posting Date: 28 October 2008
Closing Date: 11 November 2008

Why You Should Invest

2008-10-10T10:08:00.000-07:00

Investing has become increasingly important over the years, as the future of social security benefits becomes unknown.

People want to insure their futures, and they know that if they are depending on Social Security benefits, and in some cases retirement plans, that they may be in for a rude awakening when they no longer have the ability to earn a steady income. Investing is the answer to the unknowns of the future.

You may have been saving money in a low interest savings account over the years. Now, you want to see that money grow at a faster pace. Perhaps you’ve inherited money or realized some other type of windfall, and you need a way to make that money grow. Again, investing is the answer.

Investing is also a way of attaining the things that you want, such as a new home, a college education for your children, or expensive ‘toys.’ Of course, your financial goals will determine what type of investing you do.

If you want or need to make a lot of money fast, you would be more interested in higher risk investing, which will give you a larger return in a shorter amount of time. If you are saving for something in the far off future, such as retirement, you would want to make safer investments that grow over a longer period of time.

The overall purpose in investing is to create wealth and security, over a period of time. It is important to remember that you will not always be able to earn an income… you will eventually want to retire.

You also cannot count on the social security system to do what you expect it to do. As we have seen with Enron, you also cannot necessarily depend on your company’s retirement plan either. So, again, investing is the key to insuring your own financial future, but you must make smart investments!

Privacy Policy

2008-10-09T11:04:00.000-07:00

Privacy Policy for www.pt-asuransi.blogspot.com/

If you require any more information or have any questions about our privacy policy, please feel free to contact us by email at satria_flamboyan@yahoo.com.

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Deciding the Nature of Your eZine

2008-09-25T12:37:00.000-07:00

When choosing a topic to publish your eZine on, you must consider some important success factors that can determine the flow and goal of your eZine.

You are encouraged to write non-time sensitive contents such as short tips, mini stories and interviews. Doing so enables you to create content in advance so that you can conveniently dispense to your subscribers at a later schedule.

Topic-wise, you will do well to cater to a starving market that will always be on demand for the kind of content you offer. And by this, I mean that you should zero in onto a demand that has been, is and will always be there.

Relationships and dating are niches that have been on Earth long before the World Wide Web came up, for example. The food niche will always be there as long as there are chefs cooking for anyone with a stomach to fill.

Having said that, you also want to have a steady stream of products or services of your own or an affiliate for you can endorse to your mailing list and make even more money.

This is also the reason why the Internet Marketing niche will remain one of the hottest niches there is, as products and services are created almost around the clock. As long as there Internet Businesses cropping out, there will always be needs to be fulfilled.

Getting Your Feet Wet – Begin Investing

2008-09-23T10:33:00.000-07:00

If you are anxious to get your investments started, you can get started right away without having a lot of knowledge about the stock market. Start by being a conservative investor with a low risk tolerance. This will give you a way to making your money grow while you learn more about investing.

Start with an interest bearing savings account. You may already have one. If you don’t, you should. A savings account can be opened at the same bank that you do your checking at – or at any other bank. A savings account should pay 2 – 4% on the money that you have in the account.

It’s not a lot of money – unless you have a million dollars in that account – but it is a start, and it is money making money.

Next, invest in money market funds. This can often be done through your bank. These funds have higher interest payouts than typical savings accounts, but they work much the same way. These are short term investments, so your money won’t be tied up for a long period of time – but again, it is money making money.

Certificates of Deposit are also sound investments with no risk. The interest rates on CD’s are typically higher than those of savings accounts or Money Market Funds.

You can select the duration of your investment, and interest is paid regularly until the CD reaches maturity. CD’s can be purchased at your bank, and your bank will insure them against loss. When the CD reaches maturity, you receive your original investment, plus the interest that the CD has earned.

If you are just starting out, one or all of these three types of investments is the best starting point. Again, this will allow your money to start making money for you while you learn more about investing in other places.

How to Apply for a Scholarship

2008-09-10T23:31:00.000-07:00

College Freshman’s Recipe

When we speak of college scholarship application, the burden is always on the parents. Since they have the responsibility over the education of their children and they know what will be good for them, parents apply personally for the college scholarship of their children.

What if we turn the tide? From primary to secondary education, your parents accepted the responsibility. But you are old enough to take care of a simple college scholarship application. It takes some courage, self-confidence, and some excellent academic records to apply for a college scholarship. Keep in mind that is you who will utilize the financial aid that comes with the scholarship and not your parents. Thus, applying for a college scholarship is now your business, and you can do it with less supervision from your parents.

The procedure for college scholarship application is similar when you apply for college. You need to learn every scholarship opportunity available and make a list of potential prospects that you think will fit your personal needs. Once through with the list, you need to create an application letter and state your achievements (good high school scholastic records and recommendation letters from your high school director and teachers) and you are now on your way on getting into college for less, if not for free.

The above-mentioned procedure is the most common way of getting a college scholarship. However, the chances of success lies in you, and you need to exert more effort to assure yourself of a financial aid when you go to college. To increase your chances, here are some pointers that you can consider:

• You should start as early as your high school years. There are many college scholarships that open during your senior high school year. In addition, these financial aid programs are only open in a specific period of time. Once the application closes, you have to wait for another year before you can file for your application. Starting early will give you better chances of getting the best financial aid available.

• Give importance to the scholarship requirements. Keep in mind that among all available scholarships, there are only few that will fit your qualifications. Read the eligibility standards of the college scholarship that you want to apply. If you found out that the financial aid does not fit with the qualifications that you have, search for another. Do not insist yourself on scholarships where your chances of success is minute.

• Do not forget to complete the requirements asked by the college scholarship. Prepare the documents that are commonly asked by the scholarship grantee to its applicants.

• Your application letter will be your “speaking alter-ego” to the sponsor of the college scholarship you have applied for. Thus, you need to create an application letter that will convince the sponsor that you honestly need the financial aid and you deserve to get one, state honest information in your application. Never include false information especially if your purpose is just to “flatter” the sponsor with your achievements.

After you followed the aforementioned recipe, you are now ready to submit your application to the scholarship screening committee. Be prepared for other requirements (such as interviews and examinations) that will determine if you are eligible to receive a college scholarship.

Follow the aforementioned college freshman’s recipe when you apply for a college scholarship. And best of all, do not forget to pray that the sponsor would consider you eligible for the college scholarship. Good luck!

Taking an educational vacation to Paris

2008-09-03T11:32:00.000-07:00

If you are planning to take the children to Paris for the time of their life, then you may want to consider the many children activities available to you. Paris is a great place and has many educational sites to see. Here are a few of the hot spots to visit.
Paris, Notre Dame sets between two riverbanks. Notre Dame sets at the heart of Paris. A plaque has been set and marks zero miles from all country roads. This is the starting point for most all visits to Paris. Paris, Notre Dame is necessary to see. When visiting the Notre Dame you will find many museums, getaways to acknowledge, creation and human adventures. You will see some of the greatest arts ever created.
Spend some time at one of the greatest European Capitals of all parks, wood and gardens along with cemeteries. The largest park in Paris is known as the Pere Lachaise.
There are many bridges created at the Seine River. Thirty-five bridges, all them are in the soul of Paris. Along these bridges, you will see many monuments showing the historical events and meeting places.
Need a fun night for the children to break the educational mood. How about taking the children to the Hotel de Ville Square or the Raonl-Dautry in Paris? The hotels have outside rinks all in the prime locations. Having fun is necessary when on vacation.
Perhaps your children would like a visit to Paris during Christmas time. Thousands of lights are on display all through the historic streets of the French Capital. Make a night of enjoyment and beautiful entertainment.

In 1886, one of Europe’s finest Gothic Revival architecture was built. Stained glass windows done in the 15th century of many colors surround the American Cathedral of the Holy Trinity. When visiting the Cathedral you will see many things including the needlepoint of 50 state flowers and flags. Many plaques in memory of all the Americans who died in Europe during the World War l and WWII are plastered on the walls. The American Cathedral of the Holy Trinity is the center of worship everyday of the week in English. Besides the worship, you hear choral concerts, and lectures along with seeing art shows too.
Visit the Basilique St-Denis while in Paris, built in the 12th century. See the inscription on the bronze door saying, “Marvel not at the gold and expense but at the craftsmanship of the work.” Basilique St-Denis is France’s first Gothic building built in 1137 and 1281, the first spiritual patron of the state. On the front are rose stained glass windows restored in the 19th century. Sundays are known for the beautiful organ concerts to enjoy.
In 2004, the body of a 10-year-old boy was laid to rest at the St-Denis near his parents. He died of tuberculosis in 1795, was dumped in a common grave sight after a DR stole, pickled and returned his heart after carving it out.
Two centuries later DNA test were taken when the body was found matching perfectly to Marie-Antoinette by matching some of her hair taken during her childhood.
Perhaps the family would like to shop at the Palais Royal Palace formally known as Palais Cardinal where the prime minister, Cardinal Richelieu lived. Later after his death, King Louis inherited it. Louis and his mother Anne who was from Austria lived there most of his childhood life with the Cardinal. The government has now opened it to the public and has put cafes, gambling dens, along with other entertaining arenas. Don’t miss the main courtyard when visiting Paris to see the 1986 Buren sculpture of 280 prison-striped columns.
Consider going to visit the Hotel Des Invalids. It was built in the 1670’s to house disabled soldiers and later a layer of thin gold was laid over the top. Upon entering the hotel, you’ll walk down a cobblestone walk lined with many different cannons. Once inside the hotel you’ll be greeted with a museum of weapons, uniforms, and equipment anything that will kill. Make you list of things you want to see and do and have fun.

Accepting to Improve your Personal Life

2008-08-31T02:40:00.000-07:00

Do you have the ability to accept the things you can change and the things you cannot change? Do you have the ability to accept that other people are opt to change them, rather than you changing them? Do you accept that you are who you are, regardless of what others think? Can you accept the many changes that take place in your life?

If you answered yes to one or all of these questions then you are off to the start of improving your personal life. If you are willing to accept, you have the ability to laugh, even when something is not funny. For instance, if someone pushed you, you could stand back and laugh. The push is only a threat to your emotion, which you will see, accept and find a way to gain control of the situation.

When you can accept things in life, including you and others you find a way to take control. When you are in control, it helps you to see how you can improve your personal life. When you learn to accept you will learn to discover you.

Individuality is personal, which philosophers over generalize this subject. Many people in the world believe that when we act the same way at all times, we have established our identity. Politically incorrect! We have emotions, thoughts, behaviors, actions, and have been plagued by a world of influences both good and bad. Each day we will feel something new, which causes our personality to reflect on these changes. Therefore, when you see someone laughing one minute and crying the next, you are seeing a shift in emotions, which is a normal pattern of identity for this person. Unless the persons eyes change, behaviors change dramatically, friends change regularly, etc, and you are seeing common behaviors.

We live in a world that desensitizes us. We are surrounding by billions of influences on television, in the media, on radio, in house-holds, government, schools and so forth. Each to their own, but everyone is judging someone at some time, which is something we have to accept. We cannot change these peoples behaviors and way of thinking, but we can change ours. This is a part of learning and accepting. The best way around the world is become your own influence and allow other influences to make someone else’s life miserable. Only rely on sources that prove truthful with their actions, behaviors and words. Positive reflections are the key to living happier.

Once you learn to accept you will be eager to laugh. For instance, if someone makes you mad you will see the humor in his or her actions. You may see the humor in your actions if you make a mistake and feed into their stupidity.

Once you start to see the humor in life, you will feel better inside. We are involved in a unruly world filled with greedy people, envious souls, lusty tigers, and so on. We have to learn how to work around these people, accept us and move on. Once you learn to change to better you, other people may follow. Good conduct has proven far more effective than words to encourage others to change.

As you grow you will feel a new hunger, and that hunger will guide you to discover new ways to better you. In time as you start to feel better, you will see a need to exercise, eat right, and hang out with positive influences and so on. Once you feel this hunger, you will feel inspired to labor to achieve your goals.

An All State Car Insurance Covers Not All States In The World

2008-08-26T11:09:00.000-07:00

Having a car insurance coverage helps protect the people and things that are important to you from unforeseen liability. All state car insurance refers to a car insurance that provides insurance cover across the United States.

All state car insurance safeguards your investment in your car, pays for medical expenses in case of an accident, provides financial protection from lawsuits and covers losses caused by the drivers. All state car insurance also covers the financial damages in case of theft, natural disasters etc.

Vehicle insurance coverage helps you to meet whatever might be coming down the road with a greater peace of mind. Remember, however, not all coverage are the same.

In many countries it is compulsory to purchase car insurance before driving on public roads.

All state car insurance can cover some or all of the following items:
The insured party
The insured vehicle
Third parties

Comprehensive all state car insurance:

1) Protect yourself and others from the liability coverage’s

2) Liability Coverage: It helps protect you for damages to others if you are at fault in a covered accident.

3) Medical Payment Coverage: The coverage helps provide payment for your reasonable and necessary medical treatment for bodily injury caused by a covered accident.

4) Under insured/ Uninsured Motorist Coverage: The coverage helps protect you for covered damage caused by drivers who don´t have auto insurance or don´t carry enough auto insurance.

5) Car Insurance Property Coverage: Protect your car with property coverage.

6) Collusion Coverage: It helps pay to repair or replace your insured car after an accident.

7) Comprehensive Coverage: This type of Coverage helps pay for covered damages to your insured car resulting from a peril other than a collision, such as theft, windstorm or flood, to name a few.

In the United States, generally the insurance covers claims against the policy holder or any other operator of the insured´s vehicle. It is necessary for a family member to be added to the policy when they achieve driving age. Liability insurance generally does not protect the policy holder if they operate any vehicles other than their own. When you drive a vehicle owned by another party, you are covered under that persons policy.

There are many companies and insurance agents who provide all state car insurance. For obtaining a car insurance, the policy holder has to pay a periodical premium (a fixed amount of money) to the company.

Extra Dough

2008-08-23T10:51:00.000-07:00

Some teenagers would like to be able to get a job and earn money. Since these individuals are still in school, the next best thing to getting a real job is getting one that is part time.

When applying for a part time job, here are some tips one must remember when going up to a potential employer;

• One must prepare a resume when applying for part time work. Even if the person does not have experience, it will show the employer that a little effort was made on the part of the applicant in producing something on paper. The resume may contain highlights or strengths about the applicant which could make the applicant stand out over other people that have applied for the same position and in the end get that job.

• When meeting an employer, being dressed appropriately is important. It shows the sincerity one has in applying for the job. One must be that finger-nails and hair are well groomed for the interview. The outfit worn could be business casual. A polo and khaki pants will be ideal for men and a polo and skirt for the women will do well for the interview. This would mean that moderate shoes must be used to match the outfit. If one wears a lot of earrings, it is advisable to remove some to present the person better.

• Getting a job is not easy and there will be a lot of times that the employer will say “no.” This is nothing personal but some employers will prefer someone who has some experience. Even if one is rejected, the person must not give up in getting that part time and move on to the next potential employer.

• When one is already in front of the employer, a firm handshake is always a good start. Walking in and showing ones sincerity in getting the job is another. There is only so much one say in interview so it is best to practice in selling to the person the strengths one possesses in order to get that job.

• In the course of going from one employer to another, the employer will not give the answer at once if the person is hired or not. Other applicants will still be interviewed before making that decision. By keeping a list of the places where one went for interview, one will be able to call and follow up the status of the application.

Part time jobs are available in various places. One might find one while walking in the neighborhood, checking the school bulletin board or local paper and even the web for job postings.

Job Search Tips for Sales Professionals

2008-08-19T11:09:00.000-07:00

Each specific industry has a variety of requirements that an employee has to meet. In searching for jobs as sales professionals, how do you prepare for a competitive environment?

Here are useful tips you could perform in searching the appropriate job and acing the interview.

1) Research: In order to be prepared on your interview, you should learn important facts about the company beforehand.

* The internet is one of the best ways to search for information and most companies provide their own websites. Study the content of the company’s website; know their background, goals, and information about the top executives.

* By using search engines on the Internet, you could also obtain news and additional information about the progress of the company, past projects and issues, and organizations where the company belongs.

* Review the stock market chart of the company. Since majority of shares are publicly traded, you could examine the recent stock price and learn the difficulties of its market over the past years. Knowing the strengths and weaknesses of the company will help you in the interview.

* Learn as many information as possible about its competitors. When you read articles about the market space, you will find out who leads the market and you can find out the company’s competitors. Having this knowledge could help you during the interview since you could be able to justify how the company is better than its present competitors are.

2) Attitude: Having the right attitude towards the interview and the job itself would ensure the position is yours.

* Majority of successful sales professionals have a unique energy that you can feel. They command a presence and hold the attention of everyone. Be energetic about the job and interview.

* Be enthusiastic. Since you have done your research about the company and its competitors, the interviewers will appreciate your enthusiasm and interest about the position.

3) Preparation: The position you desire could be yours as long as you show up prepared.

* Create a presentation by researching the products and services of the company. Be prepared to speak directly and intelligently about the company’s field.

* Provide statistics and industry related facts in your presentation. This goes to show that not only are you enthusiastic about the job, you are also aware of the condition of the industry.

* The fact about sales is its all about numbers. If you are asked about your numbers, simply provide them with production reports, past employment lists or a W-2 form of your yearly earnings.

By successfully performing these basic steps, your sales job could be yours in just a handshake away.

Tips in a Job Interview

2008-08-16T11:48:00.000-07:00

The second step in getting the job is meeting the potential employer for an interview. The first step that an applicant has successfully completed was sending your application and passing the screening process of the company.

The employer got the resume through a variety of sources that can be from an ad that was posted, a referral from a friend or a headhunter, or by a person who simply submitted an application by logging on the company’s website.

Here are a few tips that will help in having a successful interview;

• Before going to an interview, it is best to do some research about the company one is applying to.

• It is also best to practice with a friend or family member mock up questions that the employer will likely ask so you do not choke during the real interview.

• When you go for an interview, it is best to always arrive 10 to 15 minutes ahead of time. This shows employers that the person is punctual and serves as a good attribute in a potential employee.

• When meeting an employer, you should bring an extra copy of the resume and other documents that are needed if asked certain questions. A good example is architects and photographers who are professionals in the respective fields who have a portfolio of the works done which may impress the interviewer.

• It is always best to dress appropriately. This shows the employer sincerity on the part of the applicant applying for the job. One must have finger-nails and hair well groomed for the interview. The outfit worn should be professional. This would mean that shoes must be used to match the outfit. If you typically wear a lot of jewelry, it is advisable to remove and tone it down for the interview.

• When you are in front of the employer, smile and greet the interviewer with a firm (but not bone crushing) handshake which is always a good start to get the interview moving.

• During the course of the interview, listen very well to the questions asked. Each must be answered truthfully and confidently to be able to sell yourself to the potential employer.

• Afterwards, the applicant should thank the recruiter for the time that was given to meet for the interview.

What Is Your Investment Style?

2008-08-14T10:59:00.000-07:00

Knowing what your risk tolerance and investment style are will help you choose investments more wisely. While there are many different types of investments that one can make, there are really only three specific investment styles – and those three styles tie in with your risk tolerance. The three investment styles are conservative, moderate, and aggressive.

Naturally, if you find that you have a low tolerance for risk, your investment style will most likely be conservative or moderate at best. If you have a high tolerance for risk, you will most likely be a moderate or aggressive investor. At the same time, your financial goals will also determine what style of investing you use.

If you are saving for retirement in your early twenties, you should use a conservative or moderate style of investing – but if you are trying to get together the funds to buy a home in the next year or two, you would want to use an aggressive style.

Conservative investors want to maintain their initial investment. In other words, if they invest $5000 they want to be sure that they will get their initial $5000 back. This type of investor usually invests in common stocks and bonds and short term money market accounts.

An interest earning savings account is very common for conservative investors.
A moderate investor usually invests much like a conservative investor, but will use a portion of their investment funds for higher risk investments. Many moderate investors invest 50% of their investment funds in safe or conservative investments, and invest the remainder in riskier investments.

An aggressive investor is willing to take risks that other investors won’t take. They invest higher amounts of money in riskier ventures in the hopes of achieving larger returns – either over time or in a short amount of time. Aggressive investors often have all or most of their investment funds tied up in the stock market.

Again, determining what style of investing you will use will be determined by your financial goals and your risk tolerance. No matter what type of investing you do, however, you should carefully research that investment. Never invest without having all of the facts!

Investment Strategy

2008-08-09T12:13:00.000-07:00

Because investing is not a sure thing in most cases, it is much like a game – you don’t know the outcome until the game has been played and a winner has been declared. Anytime you play almost any type of game, you have a strategy. Investing isn’t any different – you need an investment strategy.

An investment strategy is basically a plan for investing your money in various types of investments that will help you meet your financial goals in a specific amount of time. Each type of investment contains individual investments that you must choose from. A clothing store sells clothes – but those clothes consist of shirts, pants, dresses, skirts, undergarments, etc. The stock market is a type of investment, but it contains different types of stocks, which all contain different companies that you can invest in.

If you haven’t done your research, it can quickly become very confusing – simply because there are so many different types of investments and individual investments to choose from. This is where your strategy, combined with your risk tolerance and investment style all come into play.

If you are new to investments, work closely with a financial planner before making any investments. They will help you develop an investment strategy that will not only fall within the bounds of your risk tolerance and your investment style, but will also help you achieve your financial goals.

Never invest money without having a goal and a strategy for reaching that goal! This is essential. Nobody hands their money over to anyone without knowing what that money is being used for and when they will get it back! If you don’t have a goal, a plan, or a strategy, that is essentially what you are doing! Always start with a goal and a strategy for reaching that goal!

Why You Should Invest

2008-08-07T11:19:00.001-07:00

How To Continually Grow Your Affiliate Checks

2008-08-07T11:16:00.000-07:00

The promise of earning profits without really doing much of anything has enticed a lot of people towards affiliate marketing. But does affiliate marketing really work this way?

As an affiliate, all that is required of you is to simply place the merchant's ad on your website. Then after that, you virtually do nothing but wait for anyone to click on the merchant's ad and later collect your profits. Easy, right? Well, not quite often. Many affiliates earn almost nothing from their affiliate programs simply because they do nothing. Remember that affiliate marketing is but another form of marketing, and you'll definitely need to market your merchant's product for you to earn something.

Successful affiliates in any affiliate program simply don't sit there and wait for money to come. Why? Because there is no money in simply sitting and waiting. If you want to be successful in affiliate marketing and if you want to continually grow your affiliate checks, you've got to do something. Think of ways on how to promote your merchant's business and products better. Think of ways on how to induce other people to click on the link or ad provided to you by your merchant. Think of ways on how to make your affiliate sales increase!

So if you're new in affiliate marketing and you try to follow the easy go lucky pit that most unsuccessful affiliate marketers follow, then you're definitely on the wrong track. But we're not advising you to stop right there. No. Rather, we want you to take some steps to make your affiliate program work better and gain more commissions for you. How? Here are a few guidelines that may help you to continually grow your affiliate checks:

* Become an expert on your affiliate product.

You can promote your merchant's product better if you know a lot of things about it. To become an expert, the best thing you can do is purchase your merchant's product yourself. This way, you can tell your customers about your first-hand experience using the product. You can even write a testimonial or a personal endorsement ad about it. But if any condition does not permit you to purchase the product, you can at least make a thorough research about it.

* Host your own website.

Or at least have a domain name that is short and easy to remember. You certainly wouldn't expect a visitor to remember a very long and incomprehensible URL. And if that's so, you also wouldn't expect him to visit your website any time soon. That means less traffic for your page and the less chance for your affiliate ads and links to be clicked.

It is also a good idea to create a private website and offer access to it to anybody who clicks on any of your affiliate ads. Visitors usually get interested with these private websites. Private websites also gives you a venue to promote your back-end affiliate products.

* Write your own affiliate ads.

Many merchants usually wouldn't mind if you write and design your own ads for their products, for as long as you ask permission from them and present them your ad before posting it on your site. This gives you a greater advantage over a lot of other affiliates who must be advertising the same affiliate products.

* Participate in chat rooms, discussion boards, and forums related to your product.

If you use to ignore them before, then it is time for you to start focusing your attention on them. You can start your own chat or join an existing chat related to your product. You don't have to promote your affiliate product at once, but find the chance to advertise and promote it as you go along. The same would be true for message boards, discussion boards and forums.

* Create a free ezine or newsletter.

Ezines and newsletters are periodical publications whose aim is to inform a group of people about a certain subject. In your ezines and newsletters, you don't always have to promote your merchant's product for this may greatly annoy your subscribers. Rather, find a way to insert your affiliate ads and links on some portions of the letter. Also, don't forget to promote your ezine or newsletter on your website.

These are but a few guidelines on how you can increase your affiliate sales and continually grow your affiliate checks. Sure there can be a lot of other tips that out there, and if you think they would work, we won't discourage you from following them. What's important is that you be able to find a way to: attract more traffic to your site, induce your visitors to click on the ads on your site, and be able to promote your merchant's products even outside the boundary of your website. If you can do these, there's no reason for you to fail in affiliate marketing.

Gap Insurance: A Financial Safety Belt

2008-08-03T02:56:00.001-07:00

Why is gap insurance considered as a financial safety belt? Simply put, it keeps you from being financially ruined when disaster hits your car. For example you are in this situation, you bought a late-model car three months ago using a car loan with a regular car insurance. The car costs $30,000 and you have already made three payments of $900 each month. Then, disaster strikes. An electric post falls and slams down on your car. The car was flattened to half its height.

Immediately, you reported it to the auto insurance company, which they in turn play with numbers, mileage, depreciation, market values, and other related stuff. After a couple of days, the adjustor informs you that the worth of your car at the time of the accident is $25,000. This is the amount that the auto insurance company will provide you. But the finance company that gave you the loan will still consider the car to be worth its original price. They also play with numbers, interest rates, taxes and license fees. Then they come up with the amount of $38,000. This is the amount that you need to pay them. If the auto insurance company releases the $25,000, where will you get the remaining $7,000? Your car is already a wreck but you still owe the finance company.
You need not face such a dilemma if you have a gap insurance. With the gap insurance, you can ignore the difference between the amount covered by the regular car insurance and the amount you owed the car loan company. This difference is called a “gap” and the gap insurance bridges it so that you need not rack your head for additional financial resources.

A car lease contract must also have a gap insurance. It is a feature that prevents you from draining all your finances. Some dealers who lease cars don’t offer a gap insurance. This is okay as long as they include a “gap waiver” in their lease contract. This waiver declares that you are no longer responsible for gap charges that may occur when your leased car is wrecked.

When you get a gap insurance, determine how much is offered in the gap policy. You should also know how much will be added to your monthly bill. A gap insurance, for it to be recognized, must be accompanied with comprehensive insurance policies that cover collision.

Sometimes, a gap insurance may no longer be needed if the terms in your regular auto insurance policy indicated that the company will pay off the full amount you owed from the car loan lender.

AJB BUMIPUTERA 1912 POS AMUNTAI

2008-07-31T07:45:00.000-07:00

Bagi anda yang tertasik dengan kerja di asuransi nih ada lowongan buat anda

Nama Perusahaan AJB BUMIPUTERA 1912 POS AMUNTAI
Alamat Jl. H. Ali No. 3 RT. 5 Kel. Antasari

Deskripsi
Bergerak dibidang Jasa Keuangan ( Non Perbankan ) Membutuhkan tenaga-tenaga profesional untuk jabatan Unit Manager
Informasi Lowongan
Lowongan Unit Manager

Detail / Deskripsi Pekerjaan
Pria/Wanita minimal 22 th, min D 3 semua jurusan, Berpenampilan simpatik, menyukai tantangan, memiliki sarana transportasi pribadi

Kualifikasi Pendidikan D3 / Diploma III/Akta III/Akademi/Sarjana Muda
Pengalaman Kerja 0tahun
Ditempatkan Kalsel
Tipe Pekerjaan Kontrak
iklan ini di pasang pada tanggal 28 juli 2008

Adira asuransi

2008-07-28T04:43:00.000-07:00

Sekilas Tentang Adira Insurance
Didirikan pada tahun 2002 dan dikelola oleh sekelompok profesional yang memiliki kompetensi dan pengalaman panjang di dunia asuransi dan otomotif, PT Asuransi Adira Dinamika (Adira Insurance) yang bergerak di bidang asuransi umum memfokuskan tahun-tahun pertamanya di Industri Asuransi Kendaraan Bermotor, dan saat ini juga sedang mengembangkan produk-produk asuransi Non Kendaraan Bermotor.

Dengan tekad “Menjadi Perusahaan Asuransi Umum yang Paling Dikagumi di Indonesia”, Adira Insurance meluncurkan produk unggulan pertamanya pada bulan September 2003, yaitu asuransi mobil dengan merek dagang autocillin,serta asuransi sepeda motor dengan merek dagang motopro pada bulan November 2007.

Didukung Sumber Daya Manusia yang kompeten dan penuh komitmen, serta Teknologi Informasi yang tepat guna, Adira Insurance bertekad memberikan produk dan fitur yang Simple, Unique & Reliable.

Adira Insurance selalu berupaya mewujudkan peace of mind bagi Pelanggannya melalui cara-cara yang unprecedented, yang belum pernah dirasakan sebelumnya. Selain peace of mind, Adira Insurance menelurkan nilai-nilai dan perolehan hasil usaha yang bermanfaat bagi para stakeholder guna memastikan stakeholder value yang berkesinambungan dalam jangka panjang.

Pengetahuan serta pemahaman yang luas dan mendalam di bidang industri asuransi memungkinkan Adira Insurance untuk mencapai pertumbuhan yang pesat sejak didirikan, tanpa mengesampingkan aspek pengelolaan dan pengendalian risiko yang terkait dengan pertumbuhan itu sendiri.

PT. Asuransi Sinarmas

2008-07-28T04:35:00.000-07:00

PT Asuransi Sinar Mas merupakan perusahaan salah satu perusahaan asuransi terbesar dalam hal premi bruto di Indonesia. Kantor Pusat PT Asuransi Sinar Mas berlokasi di Jakarta Pusat. Seiring dengan perkembangan perusahaan, PT Asuransi Sinar Mas membuka banyak kantor cabang dan perwakilan secara simultan. Saat ini PT Asuransi Sinar Mas mempunyai 31 kantor cabang, 3 kantor agency dan 45 kantor perwakilan dengan 1.085 karyawan yang tersebar di seluruh Indonesia.

PT Asuransi Sinar Mas didirikan di Jakarta dengan nama PT Asuransi Kerugian Sinar Mas Dipta pada tahun 1985. Berdasarkan keputusan Menteri Kehakiman, pada tahun 1991 nama perusahaan diganti menjadi PT Asuransi Sinar Mas. Berbagai produk asuransi umum disediakan bagi para nasabah. Dalam menjalankan perusahaan, PT Asuransi Sinar Mas didukung oleh perusahaan asuransi dan reasuransi internasional baik secara langsung maupun melalui broker reasuransi internasional yang mempunyai reputasi yang baik.

Memberikan kepuasan untuk semua nasabah merupakan faktor utama yang menjadi komitmen PT Asuransi Sinar Mas.
Berbagai fasilitas dan kemudahan selalu dikembangkan dan disediakan bagi para nasabah, seperti fasilitas pelaporan klaim melalui telepon, email, website, fax ataupun sms. Dengan kerjasama tim yang baik dalam memberikan pelayanan kepada nasabah, PT Asuransi Sinar Mas mendapatkan penghargaan Service Quality Award 2007 dari majalah Marketing.

Peranan dan dukungan yang baik dari pemegang saham, karyawan dan partner bisnis Perusahan juga sangat penting dalam keberhasilan PT Asuransi Sinar Mas. untuk lebih lengkapnya kunjungi : asuransi sinar mas

PT Asuransi Aegis Indonesia

2008-07-26T12:18:00.000-07:00

PT Asuransi Aegis Indonesia (AAI) adalah nama baru dari perusahaan asuransi lokal yang dahulu bernama PT Asuransi Hastin Utama, yang berdiri pada tahun 1988.

Sejak Maret 2000, PT Asuransi Aegis Indonesia telah menjadi sebuah perusahaan asuransi umum patungan (Joint-Venture) berdasarkan surat keputusan Menteri Keuangan no. S.085/MK.17/2000 dan perubahan nama menjadi PT Asuransi Aegis Indonesia tersebut di setujui oleh Menteri Kehakiman (SK no. C-02253 HT.01.04.TH.2001) pada 19 Juni 2001.

Pt Asuransi Aegis Indonesia yang berkantor pusat di Jakarta, saat ini memiliki kantor cabang di Bandung, Surabaya dan Semarang serta kantor perwakilan di Solo, Denpasar dan Pekanbaru. PT Asuransi Aegis Indonesia melayani penutupan jenis asuransi umum
, seperti :

Kebakaran

* Property/Industrial/Commercial All Risks
* Kebakaran dan bahaya-bahaya lain
* Kehilangan keuntungan (Loss of Profit)
* Houseowners
* Householders

Kendaraan Bermotor

* Asuransi kendaraan bermotor
* Tanggung jawab hukum terhadap pihak ketiga (Third Party Liability)
* Tanggung jawab hukum terhadap penumpang(Passangger or Driver Liability)
* Kecelakaan diri untuk penumpang dan pengendara kendaraan bermotor (Personal Accident Passanger or Driver)

Pengangkutan

* Asuransi pengangkutan darat/laut/udara (Marine/Air/Land Cargo)
* Asuransi Rangka Kapal (Marine Hull)
lebih lengkapnya kunjungi http://www.aegis.co.id

PT. Asuransi Astra Buana

2008-07-23T09:10:00.000-07:00

Address: Grha Asuransi Astra Jl. T. B. Simatupang Kav. 15 Cilandak Barat, Jakarta Selatan, 12430, Indonesia
Website:
Contact Person: HRD
Company Description: Dengan berbagai predikat dan penghargaan yang telah diraih, Asuransi Astra yang berdiri sejak tahun 1956 senantiasa berupaya untuk meningkatkan kualitas layanan pada semua jenis produknya baik korporasi maupun retail andalannya yakni Garda Oto. Didukung oleh sumberdaya manusia yang berkualitas, Asuransi Astra bertekad untuk terus menjadi perusahaan asuransi yang dapat memberikan rasa aman dan tentram kepada setiap pelanggannya.

Job Title: Account Manager
Description

Independently, you will find Corporate New Business/ Account, in order to achieve your individual sales target. You will assist customer to identify their needs of company products custom-build as maintaining their existing to create service excellent.

* Finding corporate customer to fulfill your sales target.
* Identify their need of corporate general insurance (such as property all risks, electrical, machinery break down, liability, marine, cargo and others).
* Maintain our existing customer and creating service excellent for all of our customers.

Requirements :

1. Minimum Bachelor degree from reputable university, with maximum age of 27 years old.
2. Experienced min 1-2 years in marketing or sales, also in fulfilling sales target.
3. Experienced in dealing intensively with customer and external parties, having wide networking, ability to maintain relationship.
4. Having insurance background with specialization in several business field.
5. Proficiency in English both oral and written.
6. Willing to be placed in :

* Jakarta, preferrable having insurance background with ability to handle broker and alliances business.
* Semarang and Surabaya, preferable to have insurance background in several business field is preferable.
* Jakarta/ Medan, having networks in Agribusiness and Forestry field is preferable.

Details
Post Date: 07/22/2008
Hours: Associate Degree - Fresh/Entry Level (0-2 years)
Location: Indonesia
Working Term: Permanent Position
Salary:
Application Deadline: 07/30/2008

PT. MEGA TEXTILE INDONESIA

2008-07-23T09:04:00.000-07:00

Address: Mulia Center 10th Fl. Jl. HR Rasuna Said Kav. IX-5 No.14 Jakarta 12940 , 12940, Indonesia
Contact Person: Mr. Ahmad Sobari/ Ms.Adisti
Company Description: PT. MEGA TEXTILE INDONESIA is a leading Indonesian industrial group with business interests in rapidly growing business sectors like chemicals and fibers, textiles, and engineering. The Group’s growth strategy has centered around vertical integration and expansion from its strong business bases.

Job Title: QUALITY ASSURANCE STAFF
Description

Position : QUALITY ASSURANCE STAFF
Requierment :
•Male - Female, max. 30 years old
•Minimum D3 degree (Fresh Graduate) from reputable University, majoring in Electronics,Engineering
•Good communication skill, teamwork, initiative,hardworking and result oriented
•Self motivated and able to work under high pressure
•Good computer skills

Position : Quality Control
Requirment :
•Male/Female, maximum 30 years old
•Minimum Diploma Degree
•Minimum 1 years working experience in textile company will be advantage
•Good knowledge in garment and textile
•Quality oriented and high motivated

If you are match with qualifications above, send your complete CV, recent photograph to :
rect.megatexindo@gmail.com
or
PO BOX 8617/JKTM 12700
Details
Post Date: 07/21/2008
Hours: Diploma - Fresh/Entry Level (0-2 years)
Location: Jakarta / Indonesia
Working Term: Permanent Position
Salary: Rp. 3.500.000,- Negotiable
Application Deadline: 08/30/2008

Job Vacancy PT. Asuransi Adira Dinamika

2008-07-23T08:49:00.000-07:00

Adira Insurance

Career Opportunities

PT. Asuransi Adira Dinamika (the “company), also known as Adira Insurance, has been in the general insurance business since 2002. The company is one of the leading providers of Motor Vehicle Insurance products and services in Indonesia. As the company has grown over time, it has gradually introduced Non Motor Vehicle Insurance products to cater for the requirements of the demanding and ever increasing customer base.

The Company’s strong balance sheet coupled with inherent risk management controls and significant new business opportunities means that is now well positioned to grow strongly in 2008 and the future. Therefore, we would like to invite you to be a part of our dynamic team to fill these positions below :

Business Relation Sharia (BR SHARIA)
(Jakarta Raya)

Job Requirement :
Bachelor Degree from any discipline, with min. GPA 2.75
Min. 1 years experience in marketing insurance or banking
Must have own vehicle

Responsibilities:
To make the exact marketing strategy with other allied companies to gain a profitable business cooperation to achieve Sharia premium target.

Competency Requirement :
Fluent in English both written and oral
Good Communication and Interpersonal skills
Initiative & Creative
Self – motivated
Good analytical thinking and problem solving skills
Able to work as a team

Please note the position code on the top left corner of the envelope, and submit your application letter with CV, copy of certificates, recent photographs (color 4x6) no later than two weeks after the publication to:

Human & Physical Resources Divison
PT. Asuransi Adira Dinamika
Graha Adira, 8th floor
JL. Menteng Raya No. 21
Jakarta Pusat. 10340
Email : recruitment@asuransi.adira.co.id

Closing Date: 16-8-08

PT ASURANSI AXA INDONESIA

2008-07-23T08:39:00.000-07:00

More than 10,000 individuals and businesses have placed their trust in AXA Indonesia for:

their property (buildings, stock, equipment, motor vehicles, machinery and heavy equipment) and marine insurance

their health, travel, liability insurance and the protection of their family and/or employees

AXA Indonesia has 106 employees and 250 agents working hard to deliver the right insurance solution and top quality service that you deserve

PT ASURANSI AXA INDONESIA was first established in 1988 as PT Asuransi Permata Selat Sunda, and some of our team who were with PSS in the beginning are still with us today. In 1995, the company became a joint venture, with AXA taking the majority share. In 1999, AXA bought the
UK operations of Guardian Royal Exchange, which included their Indonesian operation. Guardian Royal Exchange Indonesia has been represented in Indonesia for many years - some of their business contacts can be tracked back over 130 years - before a joint venture company known as PT Maskapai Asuransi Union Far East was formed in 1975, later renamed PT Asuransi Guardian Royal Exchange Indonesia

The AXA Group (France) holds 80% of these companies. The direct joint venture partner is PT Arya Mitra which is part of the Indonesian conglomerate Kalbe Group and holds 20% in the companies. PT Asuransi AXA Indonesia provides general insurance including constructions, fire, motor vehicles, personal accident, marine, health, public liability, home/contents and travel. The companies sell most of their products through agents and brokers
visit more.. to axa-isurance.co.id

PT. Asuransi Bintang Tbk

2008-07-23T00:56:00.000-07:00

PT. Asuransi Bintang Tbk, yang dikenal dikalangan industri asuransi dengan sebutan "Bintang", adalah satu di antara sangat sedikit perusahaan asuransi nasional yang berhasil terus tumbuh dalam pasang-surut dunia usaha dan perekonomian Indonesia selama lebih dari empat-dasawarsa.
"Bintang" didirikan pada tanggal 17 Maret 1955 oleh beberapa tokoh pengusaha nasional, yang sebagian besar juga adalah pelaku revolusi fisik menjelang kemerdekaan pada tahun 1945. Mereka adalah Ali Algadri, Idham, Ismet, Wibowo (almarhum), Soedarpo Sasrosatomo, Pang Lay Kim (almarhum), Roestam Moenaf dan Johan Radi Koesman (almarhum).

Saat ini sebagian dari para pendiri perusahaan tersebut masih aktif memberikan arah kebijakan perusahaan dalam kapasitas mereka sebagai komisaris.

Sejak tanggal 3 November 1989 saham "Bintang" telah menjadi perusahaan Publik dimana sahamnya terdaftar di Bursa Efek Indonesia.

Kemampuan "Bintang" untuk terus tumbuh selama
empat dasawarsa adalah berkat ketaatazasan kepada dasar-dasar perusahaan asuransi yang sehat, yang terutama, prinsip keseimbangan (equilibrium) antara penerapan underwriting policy yang konservatif, dengan operasi pengembangan pasar secara dinamis.

PT. Asuransi Bintang Tbk tetap tegar dalam menghadapi berbagai krisis. Dalam tangan manajemen yang cakap, "Bintang" selalu berhasil dalam menghadapi pasang-surut dunia usaha, karena senantiasa berada selangkah lebih maju guna mengatasi segala kesulitan yang menghadang. Tanpa memiliki pasar "captive", PT. Asuransi Bintang Tbk terus menggali segala potensi pasar yang ada, baik pasar swasta, perorangan, komersial, industri maupun pemerintah. Diantara para nasabah yang cukup penting tercatat adalah PT TELKOM, PT PERUSAHAAN LISTRIK NEGARA (PLN), HUMPUSS GROUP, BIMANTARA GROUP, GARUDA INDONESIA, BANK NIAGA, INDOSAT, BULOG, BLUE BIRD, PTP/PNP dan banyak lagi.

Dengan 11 (sebelas) kantor cabang dan 8 (delapan) kantor penjualan yang tersebar di seluruh Indonesia, struktur organisasi PT. Asuransi Bintang Tbk memungkinkan para stafnya untuk mengkhususkan diri pada kondisi geografis tertentu, sehingga kebutuhan pasar yang bersifat khas dapat dilayani. Keahlian serta keinginan untuk mengembangkan diri dapat memberikan nilai tambah pada produk asuransi yang sifatnya "intangible".

Manajemen "Bintang" percaya bahwa peningkatan profesionalisme dan kesejahteraan karyawan, serta penyediaan kesempatan seluas-luasnya bagi setiap personil untuk aktualisasi diri dalam tim kerja yang produktif, pada gilirannya secara sinergi akan mendorong peningkatan kualitas pelayanan kepada para nasabah. Dengan demikian akan menjamin kelangsungan pertumbuhan perusahaan di masa mendatang.

arsip berita
1. Hasil Rapat Umum Pemegang Saham

Rapat Umum Pemegang Saham Luar Biasa & Tahunan PT Asuransi Bintang Tbk, yang telah diselenggarakan pada tanggal 17 April 2008, memutuskan hal-hal sebagai berikut :

I. Rapat Umum Pemegang Saham Luar Biasa :

1. Menyetujui dan memberikan wewenang kepada Direksi untuk menyusun kembali, termasuk melakukan perubahan pada anggaran dasar Perseroan guna disesuaikan dengan Undang-Undang Perseroan Terbatas No. 40 Tahun 2007 dan peraturan selengkapnya kunjung : http://www.asuransibintang.com/index.php?option=com_content&task=view&id=121&Itemid=52

2.Implementasi Transformasi Bisnis PT Asuransi Bintang Tbk Lebih Dimantapkan

Dalam Rapat Umum Pemegang Saham (RUPS) Tahunan 2008 yang diselenggarakan pada hari Kamis 17 April 2008, PT Asuransi Bintang Tbk mengubah susunan kepengurusan Perusahaan pada jajaran Direksi & Komisaris perseroan, dalam rangka memantapkan implementasi transformasi bisnis menuju bisnis asuransi yang termasuk dalam kategori risiko rendah (low risk) dan bisnis asuransi tanpa risiko (no risk).

Asuransi Properti yang selama ini menjadi selengkapnya : PT Asuransi Bintang Tbk

Tentang Asuransi Jasindo

2008-07-22T11:38:00.000-07:00

Usia 34 tahun dengan pengalaman profesional ratusan tahun

Kekokohan eksistensi Asuransi Jasindo terbangun oleh sebuah sejarah panjang kepeloporan di bidangnya, mengiringi perjalanan Indonesia sebagai sebuah negara dan bangsa merdeka.

Bermula pada periode transisi kedaulatan dari pemerintahan kolonial Belanda ke Pemerintahan Republik Indonesia, terlah dilaksanakan nasionalisasi sejumlah perusahaan asuransi milik kolonial Belanda termasuk NV Assurantie Maatshappij De Nederlandern dan Bloom Vander EE tahun 1845 yang berdimisili di Jakarta. Semula, asuransi kerugian terebut telah menjalankan usahanya untuk memberikan perlindungan resiko terhadap perusahaan perkebunan dan sebagainya.

Setelah Indonesia merdeka sepenuhnya, perusahaan asuransi kerugian eks Belanda dan Inggris dinasionalisasi menjadi PT Asuransi Bendasraya. Seiring derap pembangunan nasional yang memerlukan jasa layanan perlindungan asuransi kerugian yang lebih luas untuk setiap proses pembangunan, maka pemerintah mengambil kebijakan berupa
penggabungan usaha.

Melalui Keputusan Menteri Keuangan No. 764/MK/IV/12/1972, pada tanggal 2 Juni 1973, PT Asuransi Bendasraya yang bergerak dalam asuransi rupiah dan PT Umum Internasional Underwriters (PT UIU) yang bergerak dalam asuransi valuta asing dimerger menjadi PT Asuransi Jasa Indonesia, yang sekarang lebih dikenal sebagai Asuransi Jasindo. Pengalaman bidang asuransi kerugian sejak era kolonial memberikan nilai kepeloporan tersendiri bagi keberadaan dan tumbuh-kembang Asuransi Jasindo kini dan masa mendatang.
di jasindo melayani produk antara lain:
1. produk korporasi
Meningkatnya laju pembangunan di Indonesia pada berbagai sektor kehidupan, mengundang pula semakin meningkatnya risiko yang dihadapi. Risiko ini dapat timbul dalam berbagai bentuk, seperti kerusakan alat - alat, terganggunya transportasi, rusaknya proyek hasil pembangunan dan lain-lain.

Hal-hal tersebut bila tak dipertimbangkan upaya perlindungan dari berbagai risiko dapat selengkapnya di(http://www.jasindo.co.id/index.php?option=com_produk&Itemid=61&produk=umum)
2. Produk Unggulan Ritel
Risiko terjadinya musibah tidak pernah terduga . Jika datang, ia tak terhindarkan, baik pada masyarakat korporasi maupun masyarakat perseorangan. Untuk iulah Asuransi Jasindo selain memberikan pelayanan jasa terhadapa objek asuransi yang kompleks dan berskala besar juga mengembangkan hal yang sama terhadap objek asuransi perseorangan bagi masyarakat umum. Untuk tujuan selengkapnya silahkan ke sini

PT. asuransi Jasa raharja

2008-07-22T11:26:00.000-07:00

PT. asuransi Jasa raharja Sejarah berdirinya Jasa Raharja tidak terlepas dari adanya peristiwa pengambil alihan atau nasionalisasi Perusahaan-Perusahaan Milik Belanda oleh Pemerintah RI. Sesuai dengan Peraturan Pemerintah (PP) No.3 tahun 1960, jo Pengumuman Menteri Urusan Pendapatan, Pembiayaan dan Pengawasan RI No.12631/BUM II tanggal 9 Februari 1960, terdapat 8 (delapan) perusahaan asuransi yang ditetapkan sebagai Perusahaan Asuransi Kerugian Negara (PAKN) dan sekaligus diadakan pengelompokan dan penggunaan nama perusahaan sebagai berikut :
* Fa. Blom & Van Der Aa, Fa. Bekouw & Mijnssen, Fa. Sluiiters & co, setelah dinasionalisasi digabungkan menjadi satu bernama PAKN Ika Bhakti.
* NV. Assurantie Maatschappij Djakarta, NV. Assurantie Kantoor Langeveldt-Schroder, setelah dinasionalisasi digabungkan menjadi satu, dengan nama PAKN Ika Dharma.
* NV. Assurantie Kantoor CWJ Schlencker, NV. Kantor Asuransi "Kali Besar", setelah dinasionalisasi digabungkan menjadi satu, dengan nama PAKN Ika Mulya.
* PT. Maskapai Asuransi Arah Baru setelah dinasionalisasi diberi nama PAKN Ika Sakti.

Perkembangan organisasi perusahaan tidak terhenti sampai disitu saja, karena dengan adanya pengumuman Menteri Urusan Pendapatan, Pembiayaan dan Pengawasan RI No. 294293/BUM II tanggal 31 Desember 1960, keempat perusahaan tersebut di atas digabung dalam satu Perusahaan Asuransi Kerugian Negara (PAKN) "Ika Karya." Selaniutnya PAKN Ika Karya berubah nama meniadi Perusahaan Negara Asuransi Kerugian (PNAK) Eka Karya.

Berdasarkan PP No.8 tahun 1965 dengan melebur seluruh kekayaan, pegawai dan segala hutang piutang PNAK Eka Karya, mulai 1 Januari 1965 dibentuk Badan Hukum baru dengan nama 'Perusahaan Negara Asuransi Kerugian Jasa Raharja" dengan tugas khusus mengelola pelaksanaan Undang-Undang (UU) No.33 dan Undang-Undang (UU) No.34 tahun 1964. Penunjukkan PNAK Jasa Raharja sebagai pengelola kedua Undang-Undang tersebut ditetapkan berdasarkan Surat Keputusan Menteri Urusan Pendapatan, Pembiayaan dan Pengawasan RI No. BAPN 1-3-3 tanggal 30 Maret 1965.

Pada tahun 1970, PNAK Jasa Raharja diubah statusnya menjadi Perusahaan Umum (Perum) Jasa Raharja. Perubahan status ini dituangkan dalam Surat Keputusan Menteri Keuangan Republik Indonesia No. Kep.750/KMK/IV/II/1970 tanggal 18 November 1970, yang merupakan tindak lanjut dikeluarkannya UU. No.9 tahun 1969 tentang Bentuk- Bentuk Badan Usaha Negara.

Pada tahun 1978 yaitu berdasarkan PP No.34 tahun 1978 dan melalui Surat Keputusan Menteri Keuangan Republik Indonesia yang selalu diperpanjang pada setiap tahun dan terakhir No. 523/KMK/013/1989, selain mengelola pelaksanaan UU. No.33 dan UU. No. 34 tahun 1964, Jasa Raharja diberi tugas baru menerbitkan surat jaminan dalam bentuk Surety Bond. Kemudian sebagai upaya pengemban rasa tanggung jawab sosial kepada masyarakat khususnya bagi mereka yang belum memperoleh perlindungan dalam lingkup UU No.33 dan UU No.34 tahun 1964, maka dikembangkan pula usaha Asuransi Aneka.

Kemudian dalam perkembangan selanjutnya, mengingat usaha yang ditangani oleh Perum Jasa Raharja semakin bertambah luas, maka pada tahun 1980 berdasarkan pp No.39 tahun 1980 tanggal 6 November 1980, status Jasa Raharja diubah lagi menjadi Perusahaan Perseroan (Persero) dengan nama PT (Persero) Asuransi Kerugian Jasa Raharja, yang kemudian pendiriannya dikukuhkan dengan Akte Notaris Imas Fatimah, SH No.49 tahun 1981 tanggal 28 Februari 1981, yang telah beberapa kali diubah dan ditambah terakhir dengan Akte Notaris Imas Fatimah, SH No.59 tanggal 19 Maret 1998 berikut perbaikannya dengan Akta No.63 tanggal 17 Juni 1998 dibuat dihadapan notaris yang sama.

Pada tahun 1994, sejalan dengan diterbitkan UU No.2 tahun 1992 tentang Usaha Perasuransian, yang antara lain mengharuskan bahwa Perusahaan Asuransi yang telah menyelenggarakan program asuransi sosial dilarang menjalankan asuransi lain selain program asuransi sosial, maka terhitung mulai tanggal 1 Januari 1994 Jasa Raharja melepaskan usaha non wajib dan surety bond dan kembali menjalankan program asuransi sosial yaitu mengelola pelaksanaan UU. No.33 tahun 1964 dan UU. No.34 tahun 1964
untuk lebih lengkapnya silahkan kunjungi websitenya di
sini

Kenapa judul : Info tentang PT. Asuransi?

2008-07-21T09:53:00.000-07:00

Info tentang PT. Asuransi, kenapa saya mengambil judul ini? tapi Sebelumnya mohon maaf kepada semua pihak yang merasa di rugikan dengan hadirnya blog info tentang PT. asuransi ini, yang mana penulis tidak bermaksut lain selain untuk memberikan info kepada semua element yang mungkin kesasar ke blog Info tentang PT. Asuransi tersebut disini. dengan rasa....

semangat yang tinggi saya berharap blog ini bermanfaat bagi semua yang datang kesini, baik yang kesasar maupun sengaja datang untuk mengetahui Info Tentang PT. Asuransi Indonesia insya Allah saya akan memberikan info-info yang menyagkut dengan kegiatan maupun berita-berita yang menyangkut tentang asuransi, dimana pasti semua penduduk Indonesia mengenal dan mengerti akan asuransi itu sendiri. namun tak banyak pula ada yang tidak mengenal sama sekali tentang asuransi.dengan memahami maksud dari kata - kata di atas disimpulkan bahwa kenapa saya mengambil judul Info tentang PT. Asuransi Indonesia tak lain adalah karena saya ingin membantu mengenalkan keada seluruh individu di Indonesia ini supaya dapat mengerti akan Asuransi, dimana dalam blog ini akan tertera berbagai macam Pihak Asuransi yang ada di negeri ini.adapun alasan lain saya mengambil judul Info Tentang PT. Asuransi Indonesia sebagai judul blog saya yang jelek ini mungkin dengan tujuan untuk mempermudah pengunjung untuk mengerti dan memahami seberapa besarkah ilmu kita tentang asuransi itu seniri. saya rasa cukup sekian blog pertama saya ini semoga anda tidak kecewa dengan tulisan saya ini saya akan berusaha buat meng update setiap saat supaya conten dari blog ini tidaklah menjadi konten berita basi. sekian dulu dan salam hangat buwat semua N' tetep semangat... :-)