Schoolash

Agent Offers Insurance? Here's How to Deal With It

2024-10-14T08:33:00.001+07:00

According to Article 1 paragraph 10 of Law No. 2 of 1992, an insurance agent can be defined as a person or legal entity whose activities provide services in marketing insurance for and on behalf of the insurer (insurance company).

Choosing insurance alone can certainly be confusing, that's why insurance companies deploy agents. Agents can also help with the claim process or use of the insurance products they have purchased.

So what should we prepare before we meet an insurance agent? Let's see the review below.

Explore and understand agent responsibilities

Check the track record of the insurance agent who meets you because the relationship between an insurance agent and a customer is truly long-term.

Agents are not only the spearhead of insurance product sales, but will also be the bridge between customers and insurance companies. They are also the ones who will later assist in all claim processes.

With the help of an agent, you can certainly get an insurance product that suits your needs. Therefore, do not hesitate to ask and dig up information about the insurance product.

Explore and understand agent responsibilities

Check the track record of the insurance agent who meets you because the relationship between an insurance agent and a customer is truly long-term.

With the help of an agent, you can certainly get an insurance product that suits your needs. Therefore, do not hesitate to ask and dig up information about the insurance product.

Be open about your finances

Don't hesitate to be open with your agent about your current financial situation. Ask for product recommendations that match your financial capabilities and can provide maximum protection.

You should know that there is no standard formula or ideal calculation regarding the amount of premium based on your income. However, to ensure your finances are safe, just allocate a maximum of 15% of your monthly income for insurance premiums.

Don't lie about your health condition to the agent.

In insurance, there is a process called underwriting. Underwriting can be defined as a process to assess and classify the level of risk of the insured and make decisions regarding risk acceptance.

It is imperative to be frank and honest about our current medical condition to the insurance agent. Do not lie because it can complicate your claim process in the future.

Be critical of what they offer

Be more critical when insurance agents offer their products to you. Ask for a complete explanation of the benefits of the coverage in detail, the duration of protection, and so on.

Don't hesitate to ask for a more detailed explanation regarding the product you want to buy, starting from the benefits and so on, to the claims process.

If you buy unit link insurance, you also have the right to ask for an explanation regarding the investment placement in your insurance.

Don't hesitate to refuse

There are many cases in the field that tell how someone was forced to agree to an insurance offer because they "didn't feel good about the agent." Or even worse, "bought because it helped the agent to close."

This is generally caused by a friendly or brotherly relationship between the agent and the customer.

Know that buying insurance must be based on needs. And insurance is an expense that you must pay routinely every year.

Buying the wrong insurance can result in losses in the future.

How to Create Automatic Articles with Microsoft Edge Browser + Bing AI

2024-02-12T08:43:00.006+07:00

How to Create Automatic Articles with Microsoft Edge Browser + Bing AI

Browser ini dilengkapi dengan AI yang dapat Anda gunakan untuk membuat artikel blog dengan cepat. Sebenarnya tulisan bisa ditulis dengan beberapa gaya penulisan, dari formal hingga santai.

Pertama, unduh terlebih dahulu Microsoft Edge di komputer Anda. Anda dapat mendownloadnya di

https://www.microsoft.com/en-us/edge/download

Instal dan jalankan browser.

Pada logo Bing di pojok kanan atas, klik dan fitur AI akan terbuka.

Untuk membuat artikel, pilih menu tulis.

Ketik pembahasan yang Anda inginkan pada kolom "tulis tentang". Misalkan saya ingin artikel tentang game Assassin's Creed Mirage.

Tetapkan gaya dan tujuan penulisan. Jangan lupa juga mengatur panjang artikel yang diinginkan.

Klik generate draft dan tunggu artikel dibuat secara otomatis. Anda bisa langsung menyalin hasil artikel yang ada atau lebih baik lagi jika Anda membaca dan mengoreksi beberapa bagiannya. Tambahkan apa pun yang kurang atau isi bagian “obrolan ringan” di awal artikel.

Jika hasilnya kurang memuaskan, Anda dapat memilih opsi lanjutan untuk menyelesaikan artikel

Cukup klik salah satu yang paling sesuai dan Anda butuhkan. Bing Ai akan memprosesnya dengan cepat. Misalnya ketika saya mengklik opsi ini.

Hasil artikel.

Salin dan tambahkan ke artikel sebelumnya. Dan hingga tahap ini, Anda masih bisa terus menyelesaikan artikel hanya dengan sekali klik. Sangat mudah bukan?

Establishing Your Inspirational Fitness Blog

2024-02-10T08:28:00.006+07:00

The term "fitspiration," although not yet recognized by all major dictionaries, has gained enough usage to warrant attention. It encompasses anything that ignites motivation for embarking on a fitness journey. Venturing into the realm of online blogging with this focus is a commendable initiative. This guide aims to provide a foundational roadmap for kickstarting your journey.

Creating Your Fitspiration Blog

Selecting Your Fitspiration Content Theme

The landscape of fitspiration content is vast, offering options tailored to various interests in physical activity. Whether it's soccer tutorials or bodybuilding insights, your expertise in the chosen domain enhances your credibility and attracts followers.

Earning trust and authority can be expedited by investing in website traffic. Higher search engine rankings lend credence to your advice, establishing you as a reputable source within your niche.

Living the Lifestyle

Authenticity is paramount. To inspire others, you must exemplify the principles you preach. Just as audiences resonate more with Michael Jordan's basketball wisdom over that of an outsider, your active participation in advocated sports or activities validates your message.

Incorporating External Content

Supplementing your original content with contributions from other sources enriches your blog's appeal. Sharing success stories from fellow bloggers or clients, engaging with industry news, and participating in discussions on related platforms foster reader engagement and retention.

Monetizing Your Blog

While initially a labor of love, blogging can evolve into a lucrative venture with increasing traffic. Negotiating partnerships with advertisers becomes viable, offering avenues for promoting relevant products or services to your audience.

Exclusive programs, such as specialized training courses, present additional revenue streams. Providing a trial period allows prospective clients to experience your offerings before committing to paid enrollment.

Merchandising represents another income avenue for established bloggers with a devoted following. Strategic promotion of branded merchandise on your blog, coupled with gauging consumer interest through limited releases, informs future production decisions.

Guidance and Considerations

Entering the realm of fitness blogging entails assuming a public-facing role. Balancing newfound visibility with personal privacy is a consideration, albeit one offset by the opportunity to influence and inspire a broader audience.

Authenticity remains paramount. Admitting mistakes transparently fosters trust and cultivates reader loyalty. Embrace the responsibility of your platform, delivering genuine and well-informed content that resonates with your audience.

Conclusion

Embarking on a journey to inspire others through fitness blogging demands dedication and perseverance. While the initial phase may entail unpaid efforts, passion for your chosen fitness domain sustains momentum through the evolving landscape of digital engagement.

Benefits of Studying History in Life

2024-02-10T08:25:00.008+07:00

Spanish philosopher George Santayana once said, "Those who do not study history will be condemned to repeat history themselves." This sentence shows how important it is to study history. Because there are many benefits to studying history.

Most of us probably think that history is a boring subject because it is dominated by memory and memorization. That's why many people don't understand its history. In fact, there are many benefits to learning history that we can take away.

In fact, some of the benefits of studying history are practical benefits, which we can apply in everyday life. By studying history, we can make wise decisions for the future, which are based on lessons or values that have occurred in the past.

Benefits of Studying History to Know Events and Occurrences in the Past

The benefits of studying history can help us understand events and occurrences that occurred in the past. By studying history, we can understand the origins of events, institutions, and societies and trace their development over time.

Apart from that, the benefits of studying history can also enable us to learn from mistakes that occurred in the past, so that we can avoid repeating the same mistakes in the future. Knowledge of history also helps us understand cultural identities and values that have developed over generations.

More than that, the benefits of studying history teach us about the cause-and-effect relationships of events and develop analytical and critical skills in assessing historical sources. Knowing past events and occurrences has important impacts, including providing a better context for understanding the world today, assisting in wise decision making, preventing the repetition of mistakes, and fostering a sense of pride and identity. In other words, studying history provides rich and deep insight into how the past shapes and influences our world today, and helps us build a better future.

Benefits of Studying History to Improve Analytical Skills

The benefits of studying history can also improve a person's analytical skills. Through studying history, individuals are taught to analyze past events in a more in-depth and critical way. This involves understanding the social, political, cultural, and economic context of the past. By understanding these factors, one can identify and analyze the influences and interactions that influence a particular event.

The benefits of studying history also teach the ability to recognize patterns of events, connect cause and effect, and understand the long-term impact of an event. The ability to analyze historical sources, such as documents and records, is also a skill developed in this process.

Thus, the benefits of studying history are not only understanding the facts of the past, but also helping to hone analytical skills that are useful in various aspects of life, including in decision making, evaluating information, and a deeper understanding of the complexity of today's world.

Benefits of Studying History to Understand Identity

The benefits of studying history also have an important role in helping individuals understand and formulate their identity. Through the study of history, one can explore the cultural roots, origins, and development of societies and nations. This allows them to associate themselves with the cultural heritage, religion, language and traditions that shape their identity.

By understanding the history of their group, individuals can develop a sense of pride in their identity and appreciate cultural diversity. The benefits of studying history also help in understanding the conflicts and challenges faced by certain groups, deepening understanding of the values they adhere to, and how these values influence interactions with the outside world.

Understanding identity through a historical lens can also overcome stereotypes, prejudice, and intercultural misunderstanding, resulting in a deeper understanding of human interconnectedness around the world. Thus, the benefits of studying history contribute to forming a richer perspective on personal and collective identity and increasing tolerance and appreciation for diversity.

Benefits of Studying History as a Media for Education and Learning

The benefits of studying history can also be a medium for education and learning, as well as in developing individual character. Through the study of history, students not only get to know past events, but also understand the social, political and cultural context that shaped them. History provides a window for students to understand the roots of the problems and developments that brought the world to its current form.

Apart from that, the benefits of studying history also have an important role in character development. From stories of heroes, leaders and historical events, students can learn the values of courage, honesty, cooperation and determination. They can identify role models who can shape their personalities and imbibe strong ethical principles.

In addition, the benefits of studying history can teach empathy and understanding of different perspectives, considering that history often represents a variety of points of view. This helps students develop critical and analytical thinking skills in dealing with complex problems, as well as appreciating the complexity of human life.

Therefore, the benefits of studying history in education are not only limited to mastering facts, but also involve the formation of dignified character and based on positive values.

10 Wedding Wishes for Friends

2024-01-05T18:52:00.001+07:00

When a friend gets married, of course we will give a special greeting to them. Here are 10 happy marriage wishes for your friends:

1. Congratulations on your wedding day! May your journey together be filled with love and joy.

2. Wishing you both a lifetime of happiness and endless love as you begin this exciting journey of marriage.

3. May the love you share today grow stronger with each passing year. Congratulations on your wedding!

4. As you tie the knot, may your days be filled with laughter, love, and countless beautiful memories.

5. Cheers to the newlyweds! May your marriage be a source of strength, happiness, and everlasting love.

6. Best wishes on this wonderful journey, as you build your new lives together. Congratulations on your wedding!

7. May your marriage be a reflection of the love and commitment you share. Congratulations and best wishes!

8. As you embark on this beautiful adventure together, may your union be blessed with love that knows no bounds.

9. Here's to a lifetime of love and joy. Congratulations on finding your forever in each other!

10. May the joy you feel today last a lifetime, and may your love continue to grow stronger with each passing day. Congratulations on your marriage!

Dating and learning motivation, are they related?

2022-02-08T20:06:00.004+07:00

"Why are you dating..???" "Because dating can make you excited to learn!" Dating is a word we have often heard. Yes, right? Of course, most of the readers already understand the meaning of this one word. And some of our friends or maybe we ourselves have done it, whether it's on the basis of liking or just looking for status. What is clear is that the Shari'a does not allow this. Look back at the sentence above. An answer that actually makes sense when asked the same thing. If you look at the answer above, it will feel strange if this religious law prohibits its adherents from dating. In the end, dating can lead to good grades due to the emergence of learning motivation. But friends, wait a minute, that's a theory that hasn't even been empirically proven. So don't just believe in the truth, okay!?

Let's talk more about this contradiction. Basically, learning motivation can come because there is something that encourages the individual to achieve something he wants. In practice, a child will be more enthusiastic in learning when his parents will give a gift if the child gets a satisfactory score on the exam. Of course it is not prohibited, in fact it is recommended for every parent, especially those with low-motivated children. Likewise with teenagers, learning motivation has become something that is very much needed. This happens because in addition to strict study hours, the subjects are quite complicated and the demands of each family color their days. This can cause their learning motivation to fade, right, my friend? For those of us who are still teenagers, we certainly feel where our learning motivation decreases or even increases.

The point is that the motivation to learn for teenagers is still very unstable. Like being a place of escape, dating provides a separate space for those who lose their motivation in learning. Of course this was pioneered by non-Muslims, or even Muslims who did not understand the teachings of their religion. Sounds sad, right? Therefore it is not strange if the question "why are you dating?" can be answered with "because dating can make the spirit of learning!" they put forward various reasons from A to Z from 1 to 1000. After all, in fact, if they are dating because they like each other, they feel more or less an increase in learning motivation. But if in the end they can't control their likes and dislikes, then their learning motivation ends with changing their motivation for immorality. Too complicated? Okay, let's just keep it simple.

There is a woman let's call her name Ruri. She loves a man named John. Ruri feels more enthusiastic in learning because it is motivated by John who is always enthusiastic about learning and has above average grades. Then because of environmental encouragement, Ruri confessed his love for John and unexpectedly John also loved Ruri. So they are dating. They spend more time together by walking together and what is called a date. Now my question is where is the increase in learning motivation? The answer was right before Ruri and John met, and before Ruri told John that Ruri loved him, before Ruri found out that John also loved her. Then what concept can be taken? The public has mispronounced "love" and "dating". They say "dating can increase motivation to learn" if we think about the above case, motivation to learn arises when we love other people

Know the 5 Important Benefits of Educational Insurance for Children Following

2020-06-15T18:32:00.000+07:00

Every child has the right to get proper education so that they can develop and innovate in the future. However, what happens if finance prevents children from pursuing education?

Apparently, many have anticipated this from a long time ago. Some people choose to manage their children's education budget through Education Insurance products.

So, what benefits need to be considered and why should you also buy Education Insurance products? Check out the explanation below!

Helps Manage Education Budgets

With economic conditions that can sometimes be unpredictable, of course you must be really smart in managing education funds for the beloved baby. To simplify the educational costs of the baby, you can choose Education Insurance. Please note, by buying Education Insurance you will later be assisted by the insurance company in managing future education budgets and costs.

Funding While Education Level Increases

Although you do not have the freedom to withdraw funds at any time as you wish, Education Insurance will set aside a portion of the funds when the child enters a new level of education, for example when new to elementary school or high school. This is actually more profitable than you use an education savings service that can only be taken at the end of the savings period.

Provides Protection

Education Insurance protects a child's study plan from the life or health risks you experience if child financing or premium payment cannot be made, for example due to death and total disability. Insurance companies will cover the cost of premiums and provide monthly compensation to children until they reach the specified age.

Provides Flexibility in Premium Amount

Like other types of insurance, Education Insurance provides freedom in managing the amount of premium required each month. You can adjust it to the education plan you have for your baby, as well as your current financial condition.

Fighting Education Cost Inflation

The cost of education which is increasing every year will not affect the benefits received because Education Insurance manages funds as investments. The benefits you receive at the beginning will increase, some even reach 15% of the value of the monthly benefits at the beginning.

Similarly, information about the benefits of Education Insurance. Generally, the best education insurance does offer the five things mentioned above.

The Impact of the Covid-19 Pandemic on Education

2020-04-29T09:48:00.000+07:00

Currently the world is shocked by the outbreak of a disease caused by a virus called corona or known as covid-19 (Corona Virus diseases-19).

The virus that was allegedly started to plague December 31, 2019 in Wuhan City, Hubei Province, China, is now spreading almost everywhere in the world very quickly, so WHO on March 11, 2020 established this outbreak as a global pandemic.

Hundreds of thousands of people have been exposed to this virus around the world, and even tens of thousands have died. Noted countries that have high cases of exposure to co-19 today are Italy, China, Spain, the United States, and Iran with death rates reaching thousands of people. Very fast transmission and the difficulty of detecting people who are exposed because the incubation period of covid-19 is approximately two weeks is the cause of many casualties.

Transmission through contact between humans is difficult to predict because social activities that can not be avoided is the biggest cause of the spread of this co-19. An antidote that has not been found and the number of patients exposed to covid-19 is the highest cause of death. Hospitals and paramedics who menagani feel overwhelmed so much

patients that are not handled properly. Difficult Personal Protective Equipment (PPE) for paramedics causes patients to fall including doctors and other paramedics who are also exposed

covid-19 so he finally died.

The complexity of the handling of this epidemic has led world leaders to adopt super policies

tight to break the chain of distribution of covid-19. Social distancing becomes a tough choice for every country in implementing policies to prevent the spread of co-19, because

this policy has a negative impact on all aspects of life.

Restrictions on social interaction

society can inhibit the rate of growth and progress in various fields of life, but there is no other choice, because this method is the most effective.

Social distancing policies have a fatal impact on the wheels of human life, economic problems that are most felt the impact, because this touches various layers of society, the slowing down of the economic pace results in the closure of the primary human needs to fulfill it, because the state will be very burdened if it has to bear all the basic needs of each population.

No exception to the education sector also affected by this policy. The sudden decision of the government to dismiss or move the learning process from school / madrasa to at home, has made many parties confused.

The unpreparedness of school / madrasah stakeholders to carry out online learning is a major factor in this chaos, even though the government actually provides alternative solutions in assessing students as a condition of promotion or graduation from an educational institution during an emergency situation as it is today.

The transition to this way of learning forces various parties to follow the flow if possible

taken so that learning can take place, and the choice is the use of technology as a medium of online learning. Use this technology too

actually not without problems, many factors that inhibit the implementation of effectiveness

online learning includes:

1. Technology mastery is still low.

It must be admitted that not all technology literate teachers, especially generation X teachers (born 1980 and below) who were not using massive technology during their time.

Actually they are not able to if they want to learn, they must be able to because the principle is the teacher is human

learners who must always be ready to face the changing times while following their development.

The situation is almost the same for students, not all are accustomed to using technology in their daily lives. Even in schools they have to fight in using learning support technology because of the limited facilities owned by schools / madrasas, maybe even they are not introduced to technology in

learning.

2. Limited facilities and infrastructure

The ownership of technology supporting devices is also a problem. No secret

general that the welfare of teachers is still very low, so let alone to fulfill things

To meet the basic needs of his family, there are still many teachers who struggle. The same thing happens to students, because not all of their parents are able to give

technological facilities to her children. Even if they have facilities, they are not used as media to support learning, due to ignorance of parents in

guiding his child to the use of technology in learning.

3. Internet network

Online learning cannot be separated from the use of the internet network. Not all schools / madrasas are connected to the internet so that the teachers are also in their daily lives

not used to using it. Even if someone uses a cellular network, sometimes the network is unstable because of the geographical location which is still far from the reach of cellular signals.

4. Cost

The internet network that is needed in online learning is a problem for teachers and students. The quota purchased for internet needs has increased and many of the teachers and parents of students are not ready to increase the budget for providing internet networks.

This online learning method is actually not new, because in some countries

especially in developed countries this activity is used. The learning process in tertiary institutions especially, not only abroad but in Indonesia is also used to being implemented, however

for learning at the level of elementary and secondary education units is not yet so popular that it takes real preparation to run well.

The development of the times will require changes in civilization, and this will have an impact on the way or methods of learning that are commonly done. In an age of technology as it is today, it is possible that the next Teaching and Learning Process will be carried out online, given the effectiveness in the transfer of knowledge that is very good, fast, easy and inexpensive.

Changes in civilization and this method requires educational stakeholders to prepare themselves to follow the development of the era as it is today. Nobody can

refute or reject the rapid development of this technology, even if someone rejects it, then get ready to be left behind, even be crushed by others.

Technology is like two blades, each of which has an equal role, namely the sides

positive and negative effects on changes in human civilization. All aspects of life today cannot be separated from technology, therefore technology literacy is very much

important for society, so that the use of technology is truly beneficial without harming and

also has a negative impact on the fabric of life.

Specifically in the field of education, this technological literacy needs to be learned by all education stakeholders, especially in its use as the current online learning media,

on going. The things that need to be understood and realized by educational stakeholders include:

1. Parents

True children's education is the absolute responsibility of parents, because in the future even parents will be held accountable for their respective children. PBM activities

conducted online forcing parents to be directly involved in activities

learning of their children, many experiences that they feel when they have to accompany.

Crowded in various social media that tells their experiences during accompanying

her children learn both positive and negative. Like for example it turns out there are parents who

often get angry because they have unruly children so they can't stand it

want their children to learn again at school.

This incident gave awareness to parents that it was not easy to educate children, it requires enormous knowledge and patience. So with this incident

parents must realize and know how to guide their children

in learning, it is hoped that after getting this experience parents want to learn how to educate their children at home.

Home is the first and foremost place in educating children, therefore with the implementation of online learning when children will be more at home and

they need guidance from their parents. The function of the house is now increasing, namely as a school, parents must learn how to educate and provide knowledge to children, because the teacher or school functions only as a facilitator.

2. Teacher

Online learning must be an awareness for teachers that their current role is

teachers who only transfer knowledge will one day be replaced by more sophisticated teachers, namely machine teachers. The media to gain knowledge now is very much

many, do not depend on the teacher alone even there are still many limitations.

Nowadays there are many media that can play the role of teacher, and there are even terms human and machine teachers. Technology can play a role as a teacher, well this teacher is called a machine teacher, science

very much knowledge can be learned using machines, let's say the media is the internet. By using the internet people can find out something

he wanted quickly without being limited by time and space.

Teachers who only position themselves as transferring knowledge already have.

3. School

Schools as educational institutions must be prepared to anticipate changes in human civilization. Changes in human behavior that tend to not be separated from technology in all its activities must also be followed by schools / madrasas.

The impact of the co-19 pandemic provides valuable experience, how the role of schools / madrasas that have been central to education seems meaningless. Educational programs

conducted in schools / madrasas which were considered very important because they affect the quality of education now seems to be meaningless. The government canceled the National Examination (UN), the National Standard School Examination (UASBN), prohibited activities that gathered large crowds and other important programs that could be carried out in schools / madrasas.

These activities are now replaced by activities that must be done online, although currently the government does not require all school / madrasah programs to

implemented online because of the current situation in an emergency. But I believe that online activities can now be the initial process of paradigm shift

about implementing PBM in education from pre-school to higher education.

Therefore, if a school / madrasah does not want to be excluded from this change, then inevitably it must follow this change. Schools / madrasas must start thinking of facilities and

supporting infrastructure for online learning, training teachers to master online learning support technology and socializing to students and parents about changes in learning methods to be implemented.

One time it is possible that the magnificent buildings of schools / madrasas which were initially crowded with the hustle and bustle of the activities of teachers and students, only a memory and become a quiet place

which may change its function because it is not used again for learning activities. Humans at that time did not need to learn to come to school, just stay at home, play computers, laptops or gadgets to carry out learning activities, the teacher needed to be a mentor and facilitator from a distance whose activities were the same as students, namely simply playing the devices needed to support online learning .

The current situation is a challenge for the world of education, changing management

education is needed to keep pace with changes very quickly. Manual and conventional learning methods are now starting to be replaced by online digital systems that are not limited by time and space. The role of schools / madrasas today is more dynamic, no longer just a gathering place for teachers and students who will implement PBM.

4. Government

The role of government is very important in determining policies related to the national education system. All educational institutions must obey and obey the rules

determined, because national education has the same goal in efforts to build the nation. In an emergency situation such as the current pandemic covid-19, the government quickly issued a policy regarding the implementation of online learning that must be carried out by every educational institution, even though the rules are not binding.

In other situations, this policy might be continued from another perspective. Technological advances that allow for the implementation of online learning,

also see the culture of people who are technologically literate, it is not impossible that this policy will continue and become a decree made by the government to be implemented. And me again-

again believing that this method will be the usual method in PBM in the future.

The government must have prepared rules to establish this policy, because it pays attention to the global community that cannot be separated from technology / internet at this time.

Indonesia inevitably has to follow the current trend if it doesn't want to be left behind

by other countries. After establishing this policy the government should also pay attention to supporting devices so that people can follow this policy properly without negative excesses and create new problems, because of the diversity of economic, social, geographic and other factors that exist in Indonesia.

Every change in civilization will certainly have positive and negative consequences, but all people must be able to follow these changes which of course is limited by the norms that apply in society itself. Humans are social creatures that can not possibly live

without interaction with others both locally and globally.

The shift of human behavior from manual to digital as it is happening today in terms of the positive

is that it can make it easier to solve human affairs. Work can be done without

requires a long time, costs can be pressed and unlimited space. Nowadays people can meet their needs while in the house.

Gold and Forex Trading Investors Increase as Covid-19 Pandemic

2020-04-25T09:33:00.000+07:00

Didimax CEO, Yadi Supriyadi, said that many people began to look at the gold and forex trading business as an alternative investment in the midst of the corona virus or Covid-19. The reason, this type of investment can be done from home with gadgets and internet connections.

Many traders or investors in Didimax claim to reap a profit of more than 20 percent a day. This is because the opportunity for return on trading is very large. In addition, Didimax provides educational services to its customers so that it can produce maximum returns, "said Yadi Supriyadi.

At the beginning of this year, the trading volume at the startup had reached 100,000 lots per month with more than 26 forex instruments including gold and others. Cenli Yani said, the corona virus pandemic made people forced to work from home.

"So people are starting to think of new investments with quick returns. One of them is through gold and forex trading," he said.

At present, said Cenli Yani, is the right time to start the forex trading business, because this business is not affected by the corona virus.

"The reason is that from the very beginning the forex trading business can be done anywhere and anytime 24 hours a day from Monday to Friday," he concluded.

Does the US health insurance company cover COVID-19 patients?

2020-04-22T08:00:00.000+07:00

Some health insurance companies say they will cover testing and treatment, but the situation remains unclear.

Alone among developed countries, the United States health care system is not universal but is run by a non-profit health insurance company.

A former health insurance executive turned into a whistle-blower said the industry hopes to do well during coronavirus.

While several companies in the US said they would cover COVID-19 testing and treatment, there was still a lot of confusion about who would eventually cover the bill.

Shihab Rattansi from Al Jazeera reports from Washington, DC in the US.

5 Quick Ways to Deal With Corona COVID-19 Virus Outbreak, Proven Effective!

2020-04-18T08:00:00.000+07:00

Not long ago there was a viral video made by the artist Instagram account Edward Suhadi who adapted the Washington Post's explanation of the corona virus (COVID-19). Through the video, he explained that we must "fatten the curve" or chart the severity of the corona virus to stop the outbreak.

What does it mean? And how's that? Take a look at the chart above! The part above the dotted line is the number of people who are at risk of dying from the corona virus. While the section below shows people who are infected.

When the graph approaches the horizontal line, it means that more people are infected. But the lower the death rate because more people are recovering. This means, the plague will end soon.

But to achieve this, cooperation from all elements of society is needed. Including the government, medical personnel, every individual, and the most important is you. Well, here are a number of steps taken by various countries to overcome the corona virus outbreak, which has proven successful, but it requires our joint participation. Come on, listen!

1. Social distancing

Lately we often hear this term, but what does it really mean? According to the Centers for Disease Control and Prevention (CDC), social distancing is the prevention of close contact between healthy and sick people to avoid disease transmission. Experts say that this is the most effective way to reduce the graph that was mentioned above.

According to the CDC, there are many ways of social distancing that we can apply. The following are:

Avoid meetings that involve large numbers of people;

Maintain a minimum distance of two meters from others as much as possible;

Do not cuddle, shake hands, chips, and other physical contact;

Avoid people who show symptoms of pain.

2. Work from home

Work from home or work from home is one of the ways of social distancing that has now been widely applied to workers in Greater Jakarta. It's not all, but there are already enough offices that implement the CDC's recommendation policy.

Not only for workers, work from home also applies to school students and students. Working and learning from home is a step that should be quite effective in reducing the risk of corona virus transmission. We will not meet many people every day, no need to ride public transportation, eating patterns and personal hygiene are more awake.

3. It is better not to go outside the city and abroad

Have you heard the government's appeal a few days ago? For the time being, we should not go out of town and abroad. Especially for business trips. Sure, airplane tickets and other accommodations are cheap and it seems a shame if not utilized.

But try, deh, think of the consequences. For those of you who are young, you may not be too worried about contracting it. But please note that you can become a carrier virus without showing any symptoms. Then you can pass it to other people who are more vulnerable. Don't want that to happen, right?

4. Considerations for Lockdown in heavily infected areas

Lately, many people are worried about lockdown, which is an emergency protocol that prevents people from leaving and entering an area. This policy took place in Wuhan (China), Daegu (South Korea), and most recently a number of cities in Italy.

When lockdown occurs, schools are usually closed, workers are required to work from home, all events are canceled, and in essence everyone is not advised to leave the house. Although this method often stresses the population, its effect in slowing the rate of the virus is quite significant.

According to a recent study published by medRxiv, the lockdown effort of Wuhan City, China succeeded in reducing 202 thousand cases of corona virus. This effort also succeeded in reducing air pollution in the country so drastically that the symptoms in patients also subsided.

5. What do people have to keep doing outside?

Doing the methods above is certainly not an easy problem. There are certain jobs that force us to move outside and the crowd. For example medical personnel, public service employees, retail employees, and those who are paid daily.

If you belong to this group, there is no need to force yourself. Just take care of yourself, your health and your cleanliness. The virus will not infect if you have a strong immune system.

Google and Apple collaborated to create an application to track Covid-19 deployments

2020-04-16T00:00:00.000+07:00

Google and Apple collaborated to create an application to track Covid-19 deployments. This Bluetooth based application aims to prevent the spread of the corona virus even wider.

In designing the Covid-19 application, Google and Apple made user privacy and multiple layers of security the basis of the design.

This application was made because Covid-19 can be transmitted through short distances by infected individuals. Therefore, an application to track the spread of Covid-19 is very useful to help with its spread.

A number of leading public health authorities, universities, and NGOs around the world have also sought to develop the technology.

Applications made by Google and Apple themselves are considered as a comprehensive solution in the fight against corona virus. Because the application is designed to include application programming interfaces or APIs, and operating system level technology that helps contact tracing.

Given the urgent need to curb the spread of the corona virus, Google and Apple also plan to implement their application in two steps.

First, in May, the two companies will release an API that allows interoperability or system integration between Android and iOS using applications from public health authorities. The application will later be available for download on the Google Play Store or App Store.

Second, in the coming months, Apple and Google will work to activate the broader Bluetooth-based Covid-19 contact tracking platform by building this functionality into the underlying platform.

This second step is considered more effective than developing API. But, this step requires a lot of participation from many people to enable interaction with the wider application ecosystem and government health authorities.

"Privacy, transparency, and approval are the most important in this effort, and we hope to build this function in consultation with interested stakeholders. We will publicly publish information about our work for others to analyze, "Apple said through their official website.

To be sure, Google and Apple are convinced that in the midst of the Covid-19 pandemic that is sweeping the world, cooperation between the two can be a powerful and effective solution. The two tech giants also hope that, through collaboration between developers, governments and public health providers, it can slow the spread of the virus around the world, while speeding up the recovery of conditions.

What are Corona and COVID-19 viruses? This Info Needs to Know

2020-04-13T03:30:00.003+07:00

Corona virus currently has infected more than 100 countries in the world and caused 6,400 people died. The WHO has declared the Corona virus a pandemic.

That is, the Corona virus has spread to almost the entire world and the world population is likely to be infected with this virus. So, a portion of the world's population will fall ill.

So, what is a Corona virus?

Corona virus or COVID-19 is a virus that attacks the human respiratory system. This virus is still associated with the cause of SARS and MERS which had erupted a few years ago.

Causes of Corona Virus

Until now there is no known cause of the Corona virus, but it is known that this virus is spread by animals and is capable of transmitting from one species to another, including humans. It is known that Corona virus originated from Wuhan City in China and appeared in December 2019.

Danger of Corona Virus

Based on research, the danger of Corona virus can cause death. In fact, infected and cured patients will experience permanent damage to the lungs and antibodies.

Symptoms of Corona Virus

Corona virus appears with several different symptoms in the patient's body. However, in general, the symptoms of the Corona virus are flu, fever, cough, to shortness of breath.

Healing Corona Virus

Until now there has not been found a drug to treat the Corona virus. However, there have been recorded some people who have recovered from the Corona virus after undergoing isolation and hospitalization.

Test the Claim of Efficacy of COVID-19 Antidote Herbal Medicine

2020-04-12T00:00:00.006+07:00

Ginger, turmeric, and ginger are good for increasing endurance, but not necessarily able to cure COVID-19.

Since the outbreak of COVID-19 attacked, all products with claims of prevention and healing suddenly sold well on the market, not to mention the variety of archipelago spices such as ginger, turmeric, and ginger. They are believed to be able to increase endurance so that it can counteract the transmission of the corona virus.

Let's examine the health claims of materials that were the allure of the colonialism.

Before discussing the ingredients in ginger and other rhizome plants, we should first understand the immune system. The human body and animals have a unique mechanism to ward off various dangerous pathogens such as viruses, bacteria, fungi, and parasites. The "gatekeeper" mechanism of the immune system was discovered by Bruce Beutler and Jules Hoffmann.

They revealed that the immune response has an innate and adaptive phase to ward off pathogens. As reported by the Nature page, pathogens invade the body through open wounds or mucosa. Therefore to prevent transmission of COVID-19, we are asked to diligently wash hands and avoid holding faces.

Because a virus-contaminated hand can become a medium of transmission when it touches the eyes, nose, or mouth. When it enters the body, pathogens will multiply and have a mission to damage cells in the body, aka making disease. But, their journey to reach this stage is not easy.

Pathogens will be blocked by macrophages (cells in the tissue in white blood) as the vanguard of body guards. The war between the two will invite reinforcements from other sidelines in the white blood tissue, called neutrophils. The second layer of the army is tasked with preventing pathogens from making further damage such as infections and diseases.

If the war is still fierce, then the dendritic cells that from the beginning oversee the course of the war will call in additional troops in the form of antigens. Then T cells and B cells advance to the battlefield against pantogens, they produce weapons in the form of antibodies to paralyze the enemy.

When the army wins against the enemy, the body cells that die from the war grow back. While immune cells that have finished work will commit suicide. But they leave memory cells that record the characteristics of enemies, these memory cells will recognize and kill the same enemy in the future and form adaptive immunity.

Thanks to comprehensive exposure from Bruce Beutler and Jules Hoffmann, the world of modern medicine has finally found a way of developing, preventing and treating various kinds of infections, inflammatory diseases, and even cancer.

God Plant rhizomes

Ginger has long been believed to have the ability to relieve various symptoms of ailments such as colds, nausea, arthritis, migraines and hypertension. This fact is listed in the second edition of Herbal Medicine: Biomolecular and Clinical Aspects. This herb which is commonly consumed with honey offers anti-inflammatory compounds including antioxidants - substances that protect the body from damage by free radicals.

A study by Sepide Mahluji, et al (2013) concluded that ginger supplements taken orally succeeded in reducing inflammation in patients with type 2 diabetes. Ginger supplements can also reduce digestive disorders, bloating, and intestinal cramps.

While other research published in the journal Ethnopharmacol (2013) mentions steeping fresh ginger - we know it as ginger - has antiviral properties and antibacterial properties. The research team found that ginger can counteract the virus that causes respiratory infections (HRSV).

It's just that the dose of ginger in the study averaged high doses, so the effect of the ginger "antidote" corona was unknown - the average dose was uncertain or the dose supervised by experts.

Chairperson of the Indonesian Medical Herbal Medicine Association (PDHMI) Hardhi Pranat called another herbal plant, turmeric containing curcumin which works to increase endurance. Similar benefits are provided by polyphenols in ginger. Turmeric also has anti-cataracts which can increase mucus production.

The mucus can help remove the virus when attacking the respiratory tract. It's just that Hardhi underlines these effects can only be obtained after consuming herbal rhizomes routinely in the long term.

Its usefulness also only helps increase endurance, not kill viruses or bacteria. Moreover, the corona virus in the drug's healing claim is not necessarily SARS-CoV-2 which triggers COVID-19. But corona virus can cause common colds.

"Don't compare ginger or turmeric like antibiotics (which kill bacteria)," Hardhi said.

The Solution Is Just Wash Your Hands

From Vietnam, which succeeded in healing all COVID-19 patients, Indonesia needs to learn that the government has a big role in prevention and treatment.

Dr Kidong Park, WHO representative in Vietnam, said Vietnam's success was the fruit of proactive and consistent government efforts. Two weeks after the COVID-19 case was first announced, the Ministry of Health of Vietnam immediately banned about 10,000 residents of Son Loi from leaving the house for 20 days.

They also closed schools, stopped imports, and banned the consumption of wild animals. At the same time the government is increasing intensive surveillance, laboratory testing, ensuring infection prevention and control and case management in health facilities, as well as providing risk communication, and multi-sectoral collaboration.

"At the healing stage the doctor will treat the patient's symptoms, patients are asked to undergo a strict nutritious diet. Then the level of oxygen saturation in a patient's blood is always monitored, "wrote Al Jazeera summarizing the efforts made in this country.

Do not forget the call to always wash hands, conduct temperature checks, and spray disinfectants in public places. Presumably by far the most effective way to prevent the spread of COVID-19 is hand washing, while healing is still supportive.

WHO has also warned that antibiotics do not work to cure COVID-19 because they only function in bacterial infections. While viral infections such as SARS-CoV are only vaccines - not ginger or other gaps.

Most viruses (including SARS-CoV-2) are composed of RNA, proteins and lipids. Imagine the shape of this virus resembling a wall composed of bricks with an adhesive in the form of a combination of hydrogen bonds. They are increasingly firmly attached to rough surfaces such as wood, cloth, and leather because rough surfaces form more hydrogen bonds.

The strong foundation of a virus can only be broken down with moisture, sunlight (UV light), and heat (molecular motion). So washing your hands with soap has proven to be the most effective way to destroy a stronghold of the virus. Judging from its constituent structure, soap contains a fat-like substance known as amphiphiles (structurally similar to lipids in a viral membrane).

"Soap molecules compete with lipids and other non-covalent bonds that help proteins, RNAs and lipids stick together," explained Palli Thordarson, a chemist from the University of New South Wales, quoted by Market Watch.

In short, soap dissolves the glue that holds the virus together. Disinfectants, or liquids, tissues, gels, and creams that contain alcohol have a similar effect but are not as effective as soap. The antibacterial agents in these products do not affect the structure of the virus much.

It's okay to drink ginger and the like rhizome to strengthen the immune system. What's wrong is to think of everything as a COVID-19 drug. Though we have a more practical way, which is enough to wash hands with soap.

Things to Look For in All Risk Car Insurance

2020-04-10T10:30:00.003+07:00

There are 2 types of car insurance products that need to be understood by customers, namely all risk car insurance and Total Loss Only (TLO). The difference lies in the protection provided, where all risk insurance provides comprehensive protection against all vehicle risks (unless there are exceptions). This makes people more choose all risk products for vehicle insurance, especially new ones (vehicles under 5 years old), even though the premium is, the cost of all risk is far above TLO insurance. While TLO Insurance itself only protects the vehicle if there is total damage (more than 75% cost) or loss.

Given the relatively large costs, then before taking this all risk product, prospective customers must really understand the product so as not to be disappointed or misperceptions that can cause losses in the future.

The following points need to be considered before taking an all risk insurance product, given the frequent misunderstanding that leads to disappointment:

Customize with Needs, Do You Need All Risk or Enough TLO?

Car protection needs can be seen from the level of crime or other levels of risk such as the density of traffic where you live or travel frequently with the car. If you don't have exact data, you can check on the internet or other media. If the neighborhood is not too dense and minimizes the risk of accidents whether mild or severe then the TLO product is suitable for you to take.

But if you live in an area with heavy traffic, the risk of a vehicle accident, at least a large enough scratch. Just one stroke will cost at least 500 thousand-1 million if you go into body painting. If this condition occurs, then the risk product is suitable for you to take. Another example is for example where residences are often affected by floods, then the all risk insurance chosen must have an extended guarantee against floods.

Before applying for all risk insurance for your car, do the following first:

1. Check Your Budget, Is It Possible to Cover All Risk Insurance Premiums?

Because it protects all risks, the premium costs for this type of all risk insurance are indeed more expensive than TLO type car insurance. Car premium payments are usually once a year, for a new car with a price of 200 million usually requires a premium of 3 million per year. Well, check the budget and adjust the financial budget. Vehicle protection is an important condition because movable assets are usually risk-prone. So, if you are ready to buy a car, you must prepare more funds to buy all risk insurance.

2. Compare Products and Choose the Best and Most Trusted

The amount of premium costs is indeed one of the considerations, but it is also necessary to consider the benefits and reputation of the insurance company that you will take. This reputation is important because it will affect the claims process later. It may be that the premium is a bit expensive but the ease of the claim process and the partner car repair shop network is much more. This is of course an important consideration besides premium costs.

By comparing products and seeing the reputation of insurance companies, it will be easier to get the right product from an insurance company that has a good reputation. Especially when comparing products and reputation can be easily done through the internet network.

3. Pay Attention to Company Reputation, Customer Testimonials To Not Be Disappointed

One way to look at a company's reputation is to be keen to pay attention to the testimonials of customers who have used insurance products, especially the problem of claims. Car insurance is identical to the claim process. If the claim is easy, the network is wide, the customer is satisfied then the testimonial will usually be good too. This is what drives the company to get various awards and slowly but surely its reputation will also go up.

In addition to paying attention to some important things before taking the all risk insurance products above, another important thing that needs to be understood is the claim mechanism. In general, the claim mechanism is relatively easy, if there is a risk the customer lives, contact your call center or sales acquaintance and submit a plan for the claim process. Just follow the instructions given.

Are You Confused Looking for the Best Car Loan? Pay attention to the solution!

UTILIZATION OF TABLETS FOR EDUCATION

2020-04-08T07:00:00.004+07:00

A. INTRODUCTION

Thomas Edison once said in 1925 that "books will soon be obsolete in schools. Scholars will soon teach through the eyes". And this could be what people say about tablets.

There has been an exponential growth in the progress of educational technology over the past few years. One device that is now considered a potential educational tool is a tablet. The tablet computer is smaller than a laptop and bigger than a Smartphone, this device is perfect to carry anywhere and be used anywhere. You can browse the internet, read books, play games, watch movies, and much more.

In the modern era, tablet computers are seen as a great device for all ages, not only for adults, children can also benefit. If you see a "culture of children" where they are not separated from books, DVDs, toys and more, then the tablet can make it all together in a mobile device.

In the electronic world, there are two types of parents who become consumers, those who are interested in buying tablet computers for their children and those who oppose it hard. For the latter group, most of the rejections come from prices. Electronics, after all, are quite expensive. Considering how often children tend to drop or destroy something, spending millions of rupiah on one device is certainly not an investment. But behind that there are many benefits of tablets that can be felt well by parents, especially by their children.

In a study in October 2011, PBS found that between 39 and 45 percent of parents with children from 2 to 10 years thought technology like tablet computers offered their children a potential educational tool, whereas only 12 to 15 percent considered it a distraction. or nothing more than entertainment. Therefore if you are considering giving your children their own tablets, then you must carefully find the best educational and entertainment value of these tablets first so that they truly become an educational tool for them.

Our children naturally like to research, and tablet computers are a great way to give them the means to expand their creativity and allow their passion and love for knowledge and learning to grow.

If you have shared a tablet device with your children, they might enjoy it as much as you. Tablets can be a means of learning and entertainment for children. With tablets, children can learn to read, write and count.

If you search on YouTube, there are hundreds of videos with babies who are only 2 months old playing virtual synthesizers, counting games and many alphabet games using a tablet computer.

With tablets, children can also watch TV, movies and cartoons. Make it a small media station, leaving room for tv or computers at home that could otherwise be occupied.

Tablet computers also allow children to play games, and even color in virtual coloring books. This makes children quickly become comfortable using tablets, as two New Hampshire University professors found when children learned to write and draw using these devices. Although tablets "will not replace traditional media, such as markers and crayons," using one choice can motivate children in the learning process, even assistant writer Dr. Leslie couse, adds that "children must be actively involved, and we must promote technology that gives them the choice to use their imagination. "

Parental control is an important safety choice that allows you to control the sites, applications or time your child spends on a tablet, and also allows you to see what your child is doing with their tablet.

Many tablets come pre-loaded with most applications for children, entertaining applications and educational applications. Before you are satisfied, you can equip your tablet computer with a variety of applications to suit whether learning e-books, mathematics programs and others. You will find more than 800 applications specifically marketed for children on iTunes. The point is you really have to find out the best for your child's needs

Lately, the tablet is loved by many people. With the tablet, slowly the existence of the book is shifted. School children nowadays prefer to carry tablets rather than books that are felt to be too burdensome. The ability to connect to the internet is also an advantage. The presence of tablets seems to have had to get its own place in the world of education. One of them is with the following things.

Education

One of the most promising functions of tablet PCs in education today is applying it to the education of children with disabilities. The touch screen tablet has proven attractive to children, because it provides instant gratification, more control, and freedom. The same thing is evident in children with certain physical limitations. Children who have limited motor skills find the touch screen easier to use than a desktop PC that requires the use of a mouse. For students with visual impairments, a sharper and brighter screen will make it easier for them to read.

And the latest positive report on the function of tablet PCs shows that students who face math problems like solving problems through tablet PCs because it is more fun than working with textbooks.

Publishing

The function of tablet PCs tends to have a large impact on the publishing industry especially in the field of education. One of the most important developments recently is the launch and distribution of a $ 35 tablet PC under the name Aakash to Indian students. At these prices, tablet PCs are becoming much more accessible to many Indian students. India's Ministry of Education purchases about 100,000 tablets to subsidize costs so students can buy them for $ 35. In many other countries around the world, the function of tablet PCs tends to be used by the publishing industry. More and more school textbooks will be accessible via a tablet PC. Students from elementary to college students will eventually have most of their textbooks on tablets.

But the problem that arises from transforming textbooks into e-books that can be accessed via tablet PCs is that not all books are available online for free. Poor students still may not be able to buy these books. Another obstacle is that the online purchasing system is still limited at this time, in the sense that not everyone has access and can easily make online purchases. Certain criteria are needed such as credit cards or bank accounts, where poor students still do not have access.

B. DISCUSSION

A tablet PC has versatile functions, more than just a device for enjoying entertainment content. Now Samsung Galaxy Tab is ready to play an important role in creating a "Smart School" system in public schools in Korea.

Samsung Electronics and Daegu high schools have signed an agreement to create a "Smart School" through the Samsung Galaxy Tab. Galaxy Tab will support a variety of educational goals including wireless sharing of educational content and "specialized classrooms according to subjects" (a system where students migrate to a specific classroom based on individual learning levels).

A comprehensive student management system for SCAS has been optimized for the 7-inch Galaxy Tab and an RFID function that makes it easy for teachers to manage students.

In addition, interactive communication can be realized between teachers and students' parents using the remote chat feature that is on a PC tablet and sending report cards / report cards sent online.

Not only in Korea that uses tablet facilities for teaching and learning. In America, it was bombarded by Google companies with the mainstay of digital-based technology facilities that have a role in teaching and learning.

It looks like Google is really serious about carrying out its commitment to enter the world of education with their technology. By relying on Chromebooks, Google has entered 500 districts in the United States and Europe.

Quoted from techcrunch.com, one of Google's goals is to provide support to the world of education by bringing together the hardware and software set by PARCC (Smarter Balanced Assessment Consortia and the Partnership for Assessment of Readiness for College and Careers). PARCC is a consortium whose task is to analyze the number of tertiary institutions with the availability of manpower.

In the launch of the laptop, Google also released several 'tools' and web applications for students and administrators at the International Society for Technology in Education (ISTE) conference. With this program Google hopes to facilitate the use, installation and management of web applications for all schools.

However, one of the leading tech experts as well as one who had become the richest in the world refused that the Tablet is not suitable for students or school children.

With a variety of advantages it has, a tablet computer device has now become one of the choices for improving the quality of teaching and learning in schools.

India, for example, has launched Aakash, an inexpensive tablet specifically intended for students in the Bollywood country.

But said Microsoft founder, Bill Gates, it turns out the tablet is not suitable for use in schools. Quoted from the technology site The Verge, Monday, July 2, 2012, he said the problem faced by tablets is that this device does not have a keyboard, making it difficult for students to carry out activities that are interactive.

"At school students don't just read. They should also learn by writing and communicating," he said in an interview with the Chronicle of Higher Education.

Compared to tablets, Gates said that low-priced PCs are more suitable for use in schools because they are more able to present these interactive elements.

He also mentioned that merely presenting technological devices in school activities is not a good decision if it is not balanced with curriculum changes and adjustments by teachers.

Beyond that, he said that currently technological devices are not a major problem, but limited Internet access.

"It would be very interesting if there were special policies that made it easier for people to access them," he said.

CONCLUSION

Technology is an alternative that cannot be separated from our daily needs. In this modernization era, Digital Technology is very popular with its users. Besides making it easier to use it is also very petrified in making transactions at work for example. In every digital technology available now one of them is a tablet. This is used by companies that produce it to be promoted to places of education such as schools.

From every Digital Technology Gadget has features that are owned in the gadget with the application starndart that has been provided. This makes the technology experts oppose that the tablet is not appropriate for students as the author has discussed in the discussion above. Of course this is a controversy for the superior technology experts.

In this very prestigious era, it has been served by gadgets or digital technology tools that are increasingly sophisticated with features and uses. It depends on us who use it for our individual needs even together. Will be used with negative or positive things.

Tips for Choosing the Right Education Insurance for Children's Schools

2020-04-08T00:00:00.002+07:00

Children's education is an important thing that must be prepared by parents as early as possible. The cost of education every year always rises with an average inflation of educational costs around 15 percent per year.

Therefore, parents need to choose the right financial product so that in time the child enters school will have enough money to pay for it.

One financial product that can be chosen is education insurance. However, before buying an education insurance policy, it's good to know a few of these points first.

Determine the child's education plan

Before being tempted by offers and the lure of educational insurance agents, parents should make plans in advance for children's education.

This planning is very important because it can be a guide in choosing the right education insurance. First of all, make a plan how high levels of education you want to be prepared for children.

Decide where your child will go to school. Make plans as detailed as possible by including the name of the school and the year the plan will be to school because it is related to the cost of education needed.

Parents also need to know the profile of the school they are going to in when making plans by asking the closest relatives or other parents who have put their children in the school.

In making a plan, it is also a good idea to go to the intended school to get clearer information. And what should not be forgotten is the identification of children's talents and interests so that school selection can be in accordance with the wishes of the child.

Make a small research about the cost of education

Parents also need to find out the current education costs to estimate the amount of education costs when the child enters school age later. Find out information on fees at the school to be addressed from the initial entry to graduation which includes entry fees, monthly fees, annual fees, extracurricular fees, and other fees.

These details can also provide an overview of the amount of costs required so parents can choose the appropriate education insurance products and can guarantee the availability of children's education costs.

Learn the pluses of minus education insurance companies

Every insurance product offered by an insurance company must have its own advantages and disadvantages. In determining the right insurance company, you can pay attention to the company's financial strength through assets and liabilities and the quality of its workforce.

The financial condition of an insurance company can be seen from its balance sheet reports that are submitted to the public transparently.

In addition, choose an insurance company that has a positive and trusted track record. You can also ask for an explanation from the insurance agent and don't forget to ask everything you want to know clearly, especially related to the products offered so you can understand clearly.

Information or input from people who already have education insurance at the intended insurance company is also very necessary so that it can be a lesson for the future.

Look for one that suits your child's financial condition and educational plan

Children's education plans that have been made will be very helpful in determining appropriate insurance. Understand all information obtained from agents or from other parties.

In choosing education insurance, adjust the education plan and the insurance program provided.

You also need to adjust to financial conditions by measuring the amount of funds available that can be set aside to buy insurance premiums.

Look for a flexible policy

Insurance is not like saving money in general at a bank whose funds can be withdrawn anytime when needed. Insurance, especially for education, is a long-term investment where funds can only be taken after the child reaches a certain age according to the agreement in the premium, or is ready to enter school to the specified education level.

Usually the education system and curriculum in Indonesia often changes so that it affects the cost of education. Therefore, you should choose a policy that is flexible and profitable that can be claimed at any time to finance the educational needs of children.

Make an appropriate education fee calculation so that at the time of disbursement of insurance claims there will be no shortage of tuition fees.

In addition, it is also a good idea to choose a policy that can change currency if you plan to send your child to study abroad.

Then, you also need to pay attention to what facilities are offered by an education insurance product such as additional health insurance facilities that can guarantee the health costs of children registered at

Revealed! This is an Unknown Risk of Children's Education Insurance

2020-04-04T00:00:00.000+07:00

Preparing the future of children is a duty of parents, including you, of course. One of them is planning for children's education funding from an early age, both in the form of education savings and education insurance.

You know, school or education costs increase every year. The high cost of making a head around 7, both the levels of PAUD, kindergarten, elementary, junior high school, especially college. If not prepared from now on, parents can be distressed when the need comes.

You can prepare education funds through education insurance products, in addition to education savings. Obviously the two are different, but now parents are starting to look at insurance education for the future of their children.

If you intend to buy or propose the product, make sure you understand child education insurance in detail, including the risks. This is important, considering the purpose of buying education insurance related to children's education plans in the future.

Do not let the education plan is interrupted just because you buy an education insurance product that is not right. Poor preparation. For that, let's review some of the risks of education insurance that you can consider before buying or applying:

1. Educational insurance is not savings

Remember, when buying insurance products, you will be charged a fixed premium every month. Similar savings plan in a certain period of time huh. But make no mistake, insurance education is not education savings. Generally, this education insurance is a unit link insurance that includes investment in it.

How it works, your collected funds will be invested by insurance companies into various investment instruments or portfolios that they think are appropriate and profitable.

You can get benefits or benefits from the turnover of these funds. These benefits are included in the education insurance benefits. However, you need to know, there must be a risk in investing. Risk of loss or partial loss, even of your entire insurance fund. So, understand this well, moms.

2. Many cost cuts

When you deposit education insurance premiums regularly every month, you will definitely assume if the total funds collected are as much as you have deposited. It might also think the funds will be much greater considering there are investment activities in it.

But make no mistake, many education insurance customers actually complain about this. Where the amount can be much smaller than the premium or funds that you have deposited so far. In fact, not all of your premium funds are rotated by insurance companies.

Usually for the first 5 years, this premium will be deducted with various fees or fees. The amount of this discount is quite large, so the funds invested are not too much. So do not be surprised, if a few years after buying education insurance, the funds collected will be far less than your total premium deposit.

3. Premium payment period is longer than the agreement

The tenor or short period of premium payment is often used as an insurance selling point for insurance agents. But after buying, you have to pay a premium with a longer tenor.

This is very possible, because investment will always have risks. If the investment is not profitable, then your premium payment period must certainly run longer than expected.

4. One chooses investment instruments

When you hang a child's education fund on education insurance, you certainly expect to benefit from investments made by insurance companies. But back again, no one can guarantee whether this investment runs successfully.

It could be that insurance companies choose the wrong investment instrument. The performance of the portfolio has deteriorated, so that instead of profits, there are losses or losses of funds. These conditions will definitely have an impact on the funds that you have invested in education insurance.

5. Not reading and understanding the policy properly

Buying education insurance products, you are planning something important for the future of children. But that desire may not be achieved, if you do not read and understand the entire contents of the insurance policy from the beginning.

An insurance policy is a legal document that contains various rules and other matters related to the education insurance product that you buy. It is important for you to understand every detail correctly, before finally deciding to buy.

Understand the Risks Early on and Choose the Right Product

Applying for or buying education insurance is one way parents plan for children's education funding. But do not just buy without finding out first about the ins and outs of education insurance.

Especially regarding the risks, because this is not a product ta

Advanced Technology for the World of Education, Make a School Day!

2020-04-02T11:47:00.001+07:00

Do you often feel bored while studying at school?

Boredom is inevitable if you continue to study at school by reading textbooks or working on problems.

If this keeps happening, you won't study properly and the school will be in vain. However, there are solutions to make education more effective and interesting.

Namely by using sophisticated technology that is able to invite students to interact directly.

What are the technologies? Come, see the following in full!

Advanced Technology for the World of Education

Education is important for everyone to have knowledge, skills and training.

Undergraduate education since childhood is needed to grow well and finally find identity in the field of work.

One of the educational processes is a school for children. Of course you have experienced elementary school, middle school, or high school.

However, the problem that is always experienced by children in school is bored. Naturally, students are assigned to read and work on problems every day that feel monotonous.

Without interaction with fellow students or technology, learning seems to be known to be boring.

To overcome this problem, it turns out there is technology that is prepared to encourage interaction in schools so that learning becomes more enjoyable.

Not only is it fun, students can also more easily learn with the help of technology. What are the technologies?

1. Smart Board

The first technology is a smart board or a smart board, different from ordinary whiteboards that use chalk or markers for writing.

This smart board uses a touchscreen display that can provide various features like a smartphone in the field of education.

Teachers and students can easily show the results of research and discussion through smart boards easily.

One of the smart board manufacturers is Hitachi StarBoard. The screen provided for a smart board is usually 70 to 100 inches in size.

The existence of this smart board can certainly help students to learn and practice more effectively. Nice!

2. 3D Printer

Next is a 3D printer that is used to print goods in 3 dimensions using a special machine.

Using this 3D printer requires computer rocks to create the shape you want printed in a 3-dimensional format.

This technology is able to help students to create their own creations. This can increase creativity and knowledge of product design.

In addition to the 3D printer, there is also a 3D pen that can form an object in 3 dimensions. Like drawing, students can draw, but with 3-dimensional results.

3. Virtual Reality

Who is not familiar with virtual reality?

Jaka is sure you have tried it or at least heard of this technology. Virtual reality or VR is a visual simulation and video in 3 dimensions.

Users must use special VR glasses and headphones to enjoy the VR world. This technology has been widely used by various schools.

The point is to provide interactive and real learning for students. For example in studying the universe.

VR continues to evolve and achieve broader functions. Until now, VR can be used in a variety of educational needs in lectures to research.

Even so, VR can also be used as fun activities such as playing special VR games.

4. Education Projector

Well, if this one is another alternative if the smart board is less effective in class. Education Projector is a projector specifically for education.

One example of this product is the Interactive Classroom Projector made by Benq. This projector is able to project learning material from a computer of the highest quality.

In addition, Education Projector can also be used to interact like a normal whiteboard. Students and teachers can write on the projection screen with a special pencil or use their hands.

5. Smart Table

Do you like watching superhero movies like Avengers?

Of course familiar with the screen on a large table. It turns out that smart table technology exists in the real world and is used for education or business.

The same function as a smart board that will display a variety of multimedia and has a touch screen feature.

This smart desk can be a quite futuristic technology that can help learning in school.

6. Wacom Inkling

Have you ever been assigned to take notes from writing?

This certainly makes you bored and ineffective in learning, because it takes time to take notes without any discussion.

Wacom Inkling can help with this problem. The reason is, anything written through this pen on paper, it will also be connected to a Mac.

So that all notes given by the teacher can be stored digitally and the problem of limited time taking notes can be overcome.

7. Holograms

Last is the hologram or lighting technique that will form an object. This technology is widely used in various science fiction films.

If you think holograms are fiction, in fact in the real world there are already holograms used. One of them is for education.

Even though it is not yet perfect, this hologram can be realized with the help of mixed reality technology.

Alexey Yakubov, CEO and founder of HoloGroup, said that mixed reality involving holograms can bridge the gap between the real world and digital.

So students can learn more interactively and the learning process becomes more real. Imagine if you could study human organs through holograms.

Certainly very interesting, right?

The final word

That's the 7 technologies that can be used in school education to improve learning effectiveness and make student interactions better.

Hopefully this technology is also used in Indonesia, so that many talented students can develop their abilities more optimally.

Write your opinion in the comments column, yes. See you in the next article!

Know the Cost of Children's Education Insurance & Benefits

2020-04-02T10:18:00.000+07:00

In The World there are many insurance products offered by insurance companies. One of them is Education Insurance. Insurance Education will prepare children's education in the future. Because the cost of children's education always increases every year. Education Insurance will help you and your partner to plan children's education funds so that your child can get a good education.

Check out some of the benefits of Education Insurance and the amount of Education Insurance costs that you must know below:

Guarantee Children's Education Funds

One of the benefits of Education Insurance is that it can guarantee children's education and the safety of children's education in the future. The cost of education is always increasing every year and you as a parent cannot predict with certainty how much the children's education costs when the child is entering the age to go to school.

Some insurance also guarantees children's education funds by giving a sum of money, even though there is a disaster for the parents of the children of the Policy Holder. Insurance Education also provides tuition fees until the child's education is complete even though parents are gone. Furthermore, education funds can also be taken at a certain time even though there is no disaster whatsoever as long as insurance is active.

Forms of Child Education Planning

Benefits of Education Insurance that is no less important is that insurance companies will help you make a good education plan for your child. After you buy an Education Insurance product, the insurance company will help with education planning tailored to the wants and needs of the Customer.

The customer can determine which level of children's education will be covered by Education Insurance, where the location of education will be taken and the amount of fees needed. This educational plan will determine the amount of premium you will pay each month. Insurance Education will really help you to plan children's education properly and in detail.

Helping You Manage Finances

Benefits of Child Education Insurance is an insurance company that can manage finances. Because the cost of Education Insurance is determined by the Education Insurance product that you choose in accordance with the abilities and desires of the Customer. The insurance company will provide the cost planning needed for your child to graduate.

In addition to planning for Education Insurance costs, this product will also provide you with emergency funds, savings and investments in the form of Education Insurance. Good financial arrangements will help you achieve your child's future building goals.

Has Additional Facilities

In addition to being useful in preparing for the child's future, Education Insurance also has many additional facilities. Generally, Children's Education Insurance is accompanied by Health Insurance. Health insurance can protect children and provide hospital children's care costs if needed.

Moreover, Children's Education Insurance will also provide compensation when a child is sick or dies. Of course some of the above you will not get if you only rely on education savings.

That's the 4 benefits of health insurance that you must know. For the cost of education it really depends on the wants and needs of the child. One of the Education Insurance that provides many benefits is PRULink Edu Protection.

This Education Insurance product is indeed designed to protect the joy of your child today and his education later in the day. This product is an investment related product that provides a monthly financial assistance when a risk occurs.

Furthermore, the minimum Education Insurance fee that must be paid if you buy PRULink Edu Protection is IDR 500,000 per month with protection age up to 18 years or 25 years old.

This is the reason why schools must be closed for 14 days

2020-03-31T13:28:00.003+07:00

A number of regions in Indonesia today, began to close schools in their respective regions to reduce the spread of the corona virus or covid-19. Students are advised to conduct teaching and learning activities in their homes using information technology and social media.

Ironically, even though their children have been dismissed for 14 days, there are still many parents who do not understand the policy. However, this is understandable, because the policy is not accompanied by an adequate explanation.

Even though for 14 days it is very important and must be accompanied by compliance actions. Yes, 14 days are expected to be able to stop the chain and the rate of transmission of covid-19.

Well, what 14 days was able to save thousands of people. Why?

Explained from various sources, when someone contacts with anything that can infect it with covid-19, it must be waited for 14 days at a minimum. If nothing happens, the person is safe.

However, the 14-day holiday policy to cut the chain of transmission, will only succeed if everyone stays in their homes for 14 days. Why?

For example, a child starts off on Monday (3/16) today. After 14 days off, he will go to school again on the 15th day, Monday (3/29). It turns out that the child and his family use the time off to travel, visit groups of people, or to relatives, malls, and others.

If he had walked the 10th day and contracted covid-19 in the place he visited, maybe on the 14th or 15th day there were no signs of him being ill, but he had brought covid-19 in his body and potentially transmitted it, when he entered school on the 15th day and so on.

Even 14 school days are useless, because transmission can occur at school. from that moment the domino effect will take place, the chain of transmission is also unbroken. For that, everyone must work together, help, and be united to go nowhere in those 14 days. Except for things that really need.

Time 14 days, it is very useful to monitor each other if found people who show symptoms of suffering from co-19 attacks. So that he can be treated immediately and stop transmission only to him, because he did not contact with other people in 14 days.

So, let us isolate ourselves for ourselves and others, maybe also on a large scale for the interests of more people. Isn't prevention better than cure?

It's time to stop covid-19 transmission, by doing a clean and healthy lifestyle.

Corona's Positive Cases Continue to Grow, How Can You Protect Yourself from Covid-19?

2020-03-31T13:07:00.002+07:00

Corona virus SARS-CoV-2 causes Covid-19 is still growing. More than 190 countries have reported positive cases in the region. Until Sunday (3/29/2020) morning, there were 662,073 cases of positive infected cases reported from various countries. Of these, 30,780 people were declared dead and 139,426 people had recovered.

The World Health Organization (WHO) has declared the spread of Covid-19 as a global pandemic. Corona viruses generally circulate in animals, but some can evolve to infect humans and spread among humans.

A leading expert on infectious diseases in China and SARS Zhong Nanshan said that the virus is transmitted from human to human. Scientists have found traces of the virus in the feces of several infected patients, perhaps demonstrating additional ways of transmitting the disease. Also read: Why is the Death Rate in Italy due to Corona the Highest in the World?

So, what precautions can be taken? To prevent the spread of the virus, WHO recommends washing hands regularly, covering the mouth and nose when coughing and sneezing, and thoroughly cooking meat and eggs. In addition, it is also advisable to avoid close contact with anyone who shows symptoms of respiratory disease. Maria Van Kerkhove from the WHO's zoonosis and disease unit recommends avoiding unsafe contact with live animals and washing hands after contact with animals. Gabriel Leung, co-recruited by the WHO Collaboration Center for epidemiology and control of communicable diseases, said masks should be part of prevention efforts. "If you are sick, wear a mask. If you go to a crowded place. Wear a mask even though you are not sick," Leung said. "If you have symptoms, especially if you have traveled to Wuhan, please seek media attention and be honest with your doctor," he continued.

Here are 10 ways you can do to prevent contracting the corona virus as reported by the US Centers for Disease Control and Prevention (CDC), Ministry of Health and WHO:

Wash your hands often.
Avoid close contact.
Maintain social distance.
Use a mask if it hurts.
Stay at home.
Avoid touching the eyes, nose and mouth.
Avoid the crowd.
Do not shake hands.
Always update information regarding Covid-19.
Go to the hospital immediately if you experience symptoms of Covid-19.

Fish Body Organs and Their Functions

2017-10-08T11:37:00.001+07:00

Fish digestion tool consists of digestive tract and digestive gland. In general, the digestive tract of fish successively starting from the mouth segment, oral cavity, pharynx, esophagus, stomach, pylorus, intestine, and anus. While the cells or digestive glands are in the stomach, liver, and pankeas. Digestive glands produce the enzymes needed in the digestive process in fish. Here is an explanation of the respiratory and digestive tools in fish.

Fish Body Organs and Their Functions
1. Fish Respiratory Device
Some true bony fish (eg goldfish), gills have a protective cover called an operculum. Gill is a breathing device found in many aquatic organisms, which serves to excrete oxygen dissolved in water and emit carbon dioxide. Gill in fish is not just a breathing device. Gills also functions as a means of salt excretion, food filters, ion exchange devices, and osmoregulators. The gills are located to the right and left of the fish's head, inside the gill cavity. On each side of the head, there are 5 - 7 sheets of gills. Each gill sheet is separated by a gill slit. The following are the parts of the gills:
Gill arch: comes from cartilage
Gill teeth: serves as a water filter while breathing
Filament or gill sheets: pink (as it contains blood capillary vessels), shaped like a comb. Filaments contain many lamellas (thin films).

The process of breathing in fish occurs in two phases, namely inspiration and expiration.
Inspiration. Air pressure of the oral cavity is smaller than the air pressure in the water - the water enters the oral cavity - the closed mouth cavity - the air entering the gills through open diffusions - the water flows through the gill slits, touches the filaments - Oxygen is bound to the blood capillaries - propagated to the tissues body.
Expiration. Carbon dioxide is brought from the body tissues - to the gills - removed from the body.

Some fish species (eg cork and catfish) have labyrinths of irregular cavities that are an upward expansion of the gills that make up the folds. This maze serves to store reserves of Oxygen so that fish can survive in conditions of minimal Oxygen. Another tool used to store Oxygen reserves is the bubble pool, which is located near the back.

2. Fish Digestion Tool
The digestive tract in fish starts from the oral cavity and ends in the anus. The structure and function of the digestive tract in fish can be explained as follows:

a. Fish Digestive Tract
Although the shape of the digestive tract of fish from front to back is almost the same, but still can be distinguished each part, as follows:
Mouth, on the jaw there are small teeth. The function of the mouth on the fish is as a means to include food. Foods by fish are not chewed or digested as in other vertebrate animals except for some species of plant-eating fish.
The larynx (pharynx), is a continuation of the oral cavity found in the area around the gills. The surface layer of the pharynx is almost the same as the oral cavity. If the ingested object is not food it will be removed through the gills
The esophagus is very short and is a continuation of the pharynx, cone-shaped and located behind the gill area. The esophagus is shaped like a pipe, containing mucus to help food ingestion. In the sea fish esophagus plays a role in the absorption of salt.
Stomach, is a continuation of the esophagus and a rather lengthened elongated channel. Stomach serves as a food container. In non-soaring fish the food storage function is replaced by the modified gut into an enlarged pouch.
Pylorus, pylorus serves as a regulator of food expenditure, in certain species, at the end of the ventricule there are puncture-shaped bulges called pylorus. This dead-end bag is useful for expanding the ventricular wall surface so that the digestion and absorption of food can be more perfect.
The intestine, shaped like a long, winding pipe and just as large, ends and empties out into the anal canal. The intestine is the longest part of the channel of contamination. At the front of the intestine there are two channels that enter into the channel coming from the gallbladder and that comes from the pancreas. The intestine serves as a food absorption.
Anus. Anus is the tip of the digestive tract. In the true bony fish the anus is located at the front of the genital tract. Anus serves to remove the remnants of digestion.

b. Digestive Glands
The heart, large, brownish red color, is located at the front of the body cavity and extends around the intestine. The function of the liver to produce bile stored in the gallbladder to membanfu process of digestion of fat.
Gall bladder,

Fish Respiratory Organs

2017-10-08T11:31:00.000+07:00

Fish breathe with gills.
The gills are pink sheets. Number of sheets between 5-7 sheets. Each sheet consists of a pair of filaments.

On the surface of the filament there is a structure which is located in an alignment called lamela.

Fish breathe by the way
opening and closing the gills. Water entering the mouth will be released through the gills of the fish. A gas exchange occurs during the water through the gill sheets.

Water with a lot of oxygen content entering through the gills. At the same time, carbon dioxide exits through the blood vessels of gill sheets. Blood vessels will bind
oxygen derived from water.

How to edit mp3 with cool edit pro

2016-09-25T21:58:00.000+07:00

How To Cut And Merge MP3 Songs In Cool Edit Pro - For a beginner music editing, of course, will find it hard to cut and combine songs - mp3 songs into one. There is software for editing music files - audio files, including: audacity, virtual dj, adobe audition, master audio editor, mp3 cutter joiner, WavePad, stainberg cubase, nuendo SoundForge, and still many other music software. However, any such software has the advantage of each - each, in addition to cut and merge multiple audio files into one audio or mp3, music software can be used also to cut and merge several videos into one. Just as audio. To facilitate you in order to know How To Cut And Merge MP3 Songs In Cool Edit Pro, I'll give learning below!

Prepare song mp3 or audio to be cut.
Open software Cool Edit Pro 2.0 / 2.1.
Switch to Edit View (F12).

File - Open and select the songs that will be cut - Open.

Select the length of time that you need from the song, and then delete. As the picture below.

If you have finished cutting the song, then navigate back to Switch to the View Menu (F12).
Drag the songs that you have cut into boards clipboard.

Reopen the second song to be combined with the first song that you have cut earlier. Is the same as the above.
Save the second song on the board clipboard different, as shown below.

If completed, then you save the file in a way: Click File - Save Mixdown As, rename and type you want. Save and Finish.

Now your mp3 songs have been cut and joined with the timing of audio you want. That way Cutting And Merge MP3 Songs In Cool Edit Pro 2.0 / 2.1 that you can learn on your PC / Laptop. This way you can turn any song into a companion dancer, recording poetry and various other benefits again. In my opinion, how to cut and merge mp3 songs on cool edit pro is fairly easy compared to other software, are perfect for a beginner who are new to the music editing software, one of the Cool Edit Pro 2.0 / 2.1. If you want to know more about the software and various other musical knowledge, you can continue to follow the teaching in this schoolash.

Download link

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