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Information about Bali: Culture, ceremonial, nice place, traveling, beaches, news, etc

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Watch television - Online IP TVGet 4000 Online television stations from your laptop. Not required of a TV tuner or decoder. Pure picture - no monthly fee needed.

Watch television shows online from home. All you need is our IP TV software, your computer, and online connection.

Online TV is the newest technology afforded to us by the amazing discovery of the Internet. Ever wonder what TV channels are like in France, or England or India? It's easy to find out, just turn on your computer and access your our IP television software account online. It's that simple. Could you have imagined even 20 years ago that you would be able to tune in and watch a TV show from another part of the world?

live television is simply being able to watch a broadcast in real time from anywhere around the world. Many of us discovered live Internet television during this past presidential campaign when we were, as a nation, practically glued to some form of media in order to keep updated on the progress of the election. Some of us were acquainted to live Internet television because we found it was an excellent way not only to keep updated with the news, but also weather, sport events.

There are other web portals that are created specifically to Online TV. Pages like our IP television software give you the option of watching anything you like. You can either search or look at the different genders of

Monday, July 27, 2009

I Want To Introducing Bali To The World, Enjoy















Friday, July 24, 2009

HD for Young People

Harley Davidson are more simple, more fashionable due to targeting the young market share and the Ueropean market. Dealing with them competitor from Japan motors industry in Asia, they make HD smaller, easy to drive, and with a lower noise. For promoting this magnificent motorcycle they choose famous Marisa Miller as the HD Girl. 


Are Bali Tourism Affected By Jakarta Bombs

Tourism business has not been affected in the Indonesian resort paradise of Bali, officials say, despite the recent deadly suicide bombers that attacked two luxury hotels in Jakarta.

“Hotel occupancy rate remains between 70 to 80 percent. There is yet negative reaction [on the inciden],” Bali Tourism Agency head Ida Bagus Ngurah Wijaya told The Jakarta Post on Saturday.

Wijaya also said that the agency has yet to see any decline of visitors from Australia, although the country has issued a travel warning following the deadly bomb blasts that are believed to have killed three Australians.

Wijaya said that tourism business people were expecting the government take firm measure to prevent such terrorism act from ever happening again.

Jakarta Bomb That's why you need a life-insurance

Thursday, July 23, 2009

Why I do need insurance

Prudential Financial

Insurance FAQs


Life Insurance FAQ
Why do I need life insurance?
How much life insurance should I have?
Do I really need individual life insurance if I have group life insurance?
If I already have life insurance, should I purchase life insurance on my spouse?
Should I purchase life insurance on my child?
How do I get started?
How much does it cost?
When should I review my current coverage?
How does my health affect the amount I pay for life insurance?
Why does the company need information about my health and is it safe to give that information?
My financial professional told me I need quite a bit of life insurance; can I really get that much?
Is it true that hobbies and activities I participate in are considered during underwriting?
Should I even bother applying for life insurance if I know I have an existing medical condition?
Why are you concerned with my medical condition when my doctor may not be?
Will I have to take a medical exam and if so, what are some of the things I may be asked to do?
How long does the underwriting process take?
Life Insurance FAQ
Q. Why do I need life insurance?
A.


Life insurance provides a death benefit, money that your beneficiary or beneficiaries can use for whatever purposes they choose, helping to:


  • Pay your last expenses, which may include estate taxes and burial costs


  • Replace your income and helping to maintain your family's standard of living


  • Protect your family's home by enabling them to pay off the mortgage and other debts


  • Pay others to do some of the tasks you do routinely, such as caring for an aging relative or a child, maintaining the yard or home, etc., or having the option to take time to do these things him- or herself


  • Ensure a child can go to college


  • Provide supplemental retirement income for your spouse or partner


  • Provide funds to help settle an estate


  • Pay expenses incurred to keep your small business in the family
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Q. How much life insurance should I have?
A.


There's no single right answer. “Rules of thumb” can range anywhere from 2 to 10 times your annual gross salary—provided you have an income. But estimates provide only ballpark figures, which may be inappropriate for a particular family's needs and goals, especially if your family or spouse relies on you for more than just income. For more, see our Life Insurance Needs Estimator.

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Q. Do I really need individual life insurance if I have group life insurance?
A.


Participating in your group life insurance is a good idea because you will often be able to receive life insurance at a lower, group price. When deciding whether to buy insurance beyond your group coverage, consider these questions:


  • Will you still have your group life insurance coverage if you leave your job?


  • Converting your group coverage to an individual life policy may be an option. But will it be more expensive to do that than to purchase a life insurance policy on your own?


  • Does your existing group coverage provide enough insurance?


  • If you need to apply for a new individual policy because you leave your job, are you prepared to pay higher premiums (premiums may be higher due to your age or due to health status)?
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Q. If I already have life insurance, should I purchase life insurance on my spouse?
A.


If your spouse contributes to the family's annual income, then he or she should have adequate life insurance protection to replace that income in the event of his or her death. If your spouse does not earn an income, life insurance can still play an important role in helping to pay for valuable services he or she provides—for example, providing child care, elder care, or home maintenance. For an estimate of that cost, use our Value of All You Do calculator.

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Q. Should I purchase life insurance on my child?
A.


There are two reasons you may want to consider purchasing life insurance on, or more accurately, for your child*:


  • You can purchase the life insurance at the lowest possible premium. If your child were to purchase the same amount of coverage as an adult, the annual cost would be much higher.


  • You can ensure that he or she has life insurance protection. Statistically, a child is healthier and tends to get a better underwriting class than an adult. If the child develops health problems as an adult, he or she could become uninsurable and may not be able to obtain life insurance coverage.
*Subject to limits

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Q. How do I get started?
A.


When you're ready to speak to someone about life insurance, you need a life insurance agent, also called a licensed financial professional. If you don't already have a licensed financial professional, locate one in your area. The process is pretty easy:


  1. Research your options. Learn more about the types of life insurance available, read specific product descriptions, and use tools to estimate how much life insurance you need.


  2. Call your licensed financial professional. He or she will take some preliminary information from you. He or she will then work with you to determine which policy is right for you and help you make the best choice for your needs.


  3. After you and your licensed financial professional fill out an application, you can expect a call from a representative from our underwriting area, who may need to verify your information and may ask questions to determine your eligibility.


  4. Usually, a health examination will be scheduled in your home, office, or doctor's office. The examiner may review your medical and health history, collect blood and urine specimens, and possibly administer other medical tests. (We value your privacy and will keep any information we collect confidential.)


  5. Your licensed financial professional will contact you when the underwriting process is complete. If you are approved, he or she will arrange to deliver your policy.
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Q. How much does it cost?
A.


The cost depends on several factors, including the type of policy you buy, how much you buy, and the status of your health and personal situation. For an estimate of the cost, you can get an online quote for our term products as well as for PruLife® Universal Protector. For other products, you can  request a quote and one will be sent to you.


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Q. When should I review my current coverage?
A.


When you bought your life insurance policy, your situation may have been significantly different from what it is now. If something were to happen to you today, would your family have enough protection? If you have undergone any life-changing events, such as any of the following since you bought your policy, it's possible you may be underinsured.


  • Purchased a home


  • Had a child


  • Married, divorced, or became widowed


  • Changed jobs


  • Started your own business


  • Began caring for an elderly relative


  • Took out a large loan


  • Started a retirement or college fund



Your life insurance coverage should be reviewed annually.


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Q. How does my health affect the amount I pay for life insurance?
A.


Underwriting is the evaluation of factors—including your height, weight, current health, medical history, family history, occupation, hobbies, driving record, and whether you have ever smoked or piloted a plane—that may affect your eligibility for life insurance at the time you apply. Through this evaluation, we can determine whether you are eligible and offer you a fair price for the risk we assume to provide you with coverage. Most people can qualify for insurance. The premium you pay is based on your overall health. If you are not in perfect health—and most people are not (only 30% of our policies are issued with our very best rates)—you can still get life insurance at an affordable price. Even individuals with health impairments such as coronary artery disease, cancer, diabetes, or a history of stroke may be eligible for insurance.

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Q. Why does the company need information about my health and is it safe to give that information?
A.


Having a clear view of your medical history helps us determine how your health fits in with the general health of the rating category you fall into.



When you purchase insurance, you are placed in a group of people with similar risk characteristics. Not every person in the group will have the same life span but, overall, the group will have a fairly predictable life expectancy. This group, known as a rating class, gives us a basis to determine your premiums.



We realize that information we request is personal and sensitive. For this reason, the information we collect is kept confidential and shared with only those who must have this information to determine your eligibility for life insurance.

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Q. My financial professional told me I need quite a bit of life insurance; can I really get that much?
A.


The amount of insurance we issue will depend on a number of factors such as your individual need for life insurance, your income and financial worth, the amount of life insurance you already have, the types of activities you engage in, and so on.



For this reason, we will ask how much income you earn, if you have income from sources other than your work such as investments, and your total family income or household income. Your financial worth (what you own and may owe) is also important information we may need from you. It is important to disclose all financial information fully so we can properly determine your eligibility for the amount of insurance you are asking for. In some cases, depending on the amount of insurance you are requesting, you may also be asked to provide actual records of your income and worth such as a copy of your tax return or bank statement.


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Q. Is it true that hobbies and activities I participate in are considered during underwriting?
A.


The types of activities you participate in can reflect how much risk you are exposed to on a regular basis. While many activities present no unusual hazard, certain activities, such as flying a plane, scuba diving, driving carelessly or while intoxicated, and traveling to some areas of the world, present added risk and need to be evaluated. If you have a history of speeding tickets or frequent travel to certain areas, for example, the risk we assume to cover you is higher and, therefore, your premiums may be higher.


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Q. Should I even bother applying for life insurance if I know I have an existing medical condition?
A.


Yes! Even individuals with health impairments like coronary artery disease, cancer, diabetes or strokes may be eligible for insurance.

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Q. Why are you concerned with my medical condition when my doctor may not be?
A.


If you have a medical problem that requires no immediate attention, your physician may not be concerned and may convey that sentiment to you. When the medical condition becomes more severe or when complications develop, your doctor can respond by starting treatment or ordering further evaluation. However, when evaluating that same medical condition, insurance companies have only the narrow window of time during which underwriting takes place to make their assessment.


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Q. Will I have to take a medical exam and if so, what are some of the things I may be asked to do?
A.


Based upon your age and the amount of life insurance you are applying for, an exam and/or additional medical tests may be required to help us make the most informed underwriting decision. These tests will provide us with the information we need to fairly assess your eligibility for life insurance.



The medical exam is conducted at our expense, by either a paramedical examiner at your home or business or by a doctor at a physician's office, depending on your age and the amount of coverage you've applied for. During the exam, the examiner will check and record your blood pressure, pulse, height and weight. You may also be asked to:


  • Provide a urine sample. The urinalysis will screen for indications of things such as nicotine and certain drugs, elevated sugar levels, and signs of kidney disease.


  • Take a blood test. Blood tests screen for abnormalities that might be indicative of a variety of medical conditions or to assess the current status of known medical conditions such as kidney or liver disorders, cholesterol levels, or diabetes.


  • Take an electrocardiogram (ECG) to screen for irregularities such as an irregular heart beat or rhythm or a decreased supply of blood and oxygen to the heart.


  • Have a chest X-ray taken to check for any abnormalities of the heart and lungs


  • Provide an oral fluid sample. The analysis will screen for such things as nicotine and certain drugs.
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Q. How long does the underwriting process take?
A.


If we do not receive all information necessary to complete the underwriting process within 60 days of the initial request for coverage, we will close your file. Once we receive the outstanding information, we will resume the process.



When the underwriting process is complete, we will either approve you for coverage (with or without changes or exclusions) or decline coverage. If you're approved, your policy will be issued and delivered by your licensed financial professional.

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Monday, July 20, 2009

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Lot of people joining a pay to click site, but they are to tired to waiting and even never get paid. here some honest PTC site with no minimum pay-out, and pay instantly. 


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Friday, July 17, 2009

Bahaya Teror Bom, PSC Tidak Hanya Perlu Disiagakan



Pagi jam 7.40 pagi WIB teror bom kembali terjadi di Jakarta, di dua hotel berbintang lima, hotel JW Marriott dan Ritz Carlton. Kedua hotel ini memiliki system security yang ketat dengan standar internasional. Hotel yang menjadi kepercayaan pejabat-pejabat Amerika yang berkunjung ke Indonesia. Tapi ternyata tidak begitu menjamin, para teroris selalu dapat mempelajari bagaimana mencari celah dari suatu sistem yang sangat ketat. Dari televisi kita dapat melihat banyak sukarelawan warga sipil tanpa skill dan pengetahuan bertindak yang justru dapat menambah korban lebih banyak.

Dari kejadian ini kita dapat mengambil kesimpulan bahwa penting suatu organisasi yang memiliki kemampuan secara skill, sarana, dan structural dalam menanggulangi kejadian seperti ini dan melakukan koordinasi sesuai protap kegawat daruratan agar dapat mencegah korban lebih banyak.

Public Safety Center (PSC) yang dibentuk setelah Bom Bali I dan sangat berperan aktif dalam Bom Bali II tidak hanya di lapangan tapi melalui radio komunikasi yang dimilikinya menjadi koordinator dalam penanggulangan Bom Bali II, adalah suatu organisasi yang tepat untuk disiagakan dalam menghadapi kemungkinan-kemungkinan timbulnya teror kembali. Dan juga anak didik mereka, organisasi Pemuda Siaga Bencana (Dasipena) dapat disiagakan untk menghadapi kemungkinan adanya teror kembali.

Tim PSC yang yang selama ini disibukkan dengan siaga wabah virus H1N1, merupakan garda terdepan dari keselamatan warga Bali. PSC memiliki jaringan komunikasi yang terhubung dengan seluruh organisasi kegawatdaruratan di seluruh Bali, cocok menjadi koordinator setiap kejadia luar biasa yang terjadi di Bali. Mereka mempertaruhkan jiwa dan raganya untuk keselamatan warga Bali. Maka tidak ada salahnya mereka mendapat perhatian khusus:

1.     Jaminan keselamatan kerja / asuransi kesehatan

2.     Perlindungan diri tidak hanya vaksin yang adequat tapi juga alat proteksi diri (APD) yang tepat.

3.     Honor/gaji yang sesuai dan tepat waktu

4.     Jenjang karir dan struktur organisasi yang sesuai

 

Bukannya mengada-ada hal ini sangat penting untuk menumbuhkan motivasi kerja, kepercayaan diri dari mereka dalam menjalankan tugas demi Negara. 

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