Life Insurance Benefits Financial Protection

The risks can be an obstacle in the era of globalization that continues to grow, ranging from the increasing cost of living, including the high cost of education, people's lifestyles that affect health or dangerous disease risks, and other risks that could undermine the cohesion family if not accompanied by a guarantee life or life insurance policies for individuals and families.

When we are married, we should be able to be responsible for meeting the needs of family life and also required to be able to manage money and protect people - our loved ones from a variety of things that will be detrimental to us and family, including financial protection (financial protection) .

Financial protection is meant here is the creation of a flow of funds as the main source of income earner is unable to provide a living for his family (incapacitated). And one of the ways that can be taken to support the financial protection for families is to buy a life insurance policy.

With a life insurance policy, then the head of the family breadwinner or major sources can provide financial protection for their family members in case things are not unexpected happened to him (eg, death). Insurance will provide financial support for family members left behind to continue with his life until they are independent.

Insurance as a means of family financial protection while still struggling to achieve financial security importance. Insurance protection benefits will be greater than obtained when starting as early as possible. The younger the age of the insured in the insurance policy, the smaller the risk insured, it is this that makes the rate of premium to be paid becomes smaller when compared to the start of insurance 10 years later.

With insurance, it's time to design your life as much as possible, because the risks can happen to anyone, anytime, and anywhere. Put your family have the best level of togetherness in the awards that you provide, the umbrella life and face many risks with guarantees that can protect you and your family

The State of Education in Indonesia

Education is the main foundation for building the civilization of a nation. Awareness of the importance of education will determine the quality of the inner and outer well-being and the future of its citizens. Therefore, the substance of education, teaching materials and teaching methodology, as well as educational management accountable, it should be a concern for the education providers in the country. It is evident that the whole nation to reach the level of cultural and technological progress must be supported by the high quality of education that is very sturdy.

However, the existence of the problem of education in Indonesia at this time, is still a problem, because many of the nation who have not received education as it should, and even some that have never seen or tasted the school altogether. Actually, they also have the same rights as children who have got a decent education. Because the future of the nation will be there on their hands, because it is they who will be the successor to the national struggle.

Although education is the right of every citizen, but there are still some of them who have not gotten this right. Until now, the biggest opportunity to gain access to a good education is only obtained from the children of the rich and smart. With the economy's ability to capitalize more than adequate, supported by higher thinking skills, be a contributing factor to gain access to better education. They are most likely to enter the elite schools, quality, national standards, and even internationally. This creates an environment that is conducive to teaching and learning, because it is supported by the quality of the students who had a high intellect.

In addition, the availability of a complete infrastructure helped to realize that education is well established. At present, the existing education system in Indonesia shaped the market, to those who have a lot of money, then they will get a decent education. It is ironic indeed.

There are several things that make education in Indonesia has deviated from the ideals of the nation. First, the tendency of Indonesian education is increasingly out of reach of the poor. In this case, the government is accused of making discriminatory policy, making it difficult for poor people to access education. Second, the birth of an education system that does not empower. In this context, a policy that was formed solely to support the status quo and establish social inequality. Third, the lack of education on the moral development orientation. This can be proven by looking at the reality of children who act immorally, so it is often said to be minus character education.

It is understood by educators that the educational mission is to pass knowledge from one generation to the next. Do not let that generation are disconnected so alone. Science is among other things: knowledge, traditions, and cultural values ​​(civility). In general, the transmission of knowledge has been in the waistband by people who are a burden to the next generation. They are represented by people who have a vision of the future, which makes the generation of better and more civilized.

University Guide League Table

How you can make a choice with so many universities and colleges are available? One of the popular ways that are often used by students is to look at university rankings and league tables. In order for you to get the most out of the rankings, the following article that might help you.

Decide on a subject and university programs can be regarded as the most stressful decision you should choose. There are a lot of options and almost all colleges claim to be the best, so what can you do to filter option?

First of all, think about the main factors that will govern your decision. Whether it's finding the right department, scholarship or country of destination? Perhaps you are already sure you want to learn business, but do not know which of the university has the best department. Here is ranked the best university that might help you. 

Times Good University Guide
Free The Times has been recognized as the foremost rank of the like since 1993 All universities in the league table assessed according to eight factors important for undergraduate students:

• Student Satisfaction (NSS according
• Research (Research Assessment Exercise)
• Standard Sign - Average UCAS
• The ratio of students and faculty
• Expenditure on Library and Computer facilities - calculated average per student.
• Spending more facilities - calculated per student for sports, career services, health and counseling.
• Good Degree - The percentage of students who graduated with a diploma of high value.
• Career Prospects - The percentage of graduates who find work or take S2.
• Completion Program Lecture - the percentage of students who successfully complete their degree.

The Times Higher Education
The Times Higher Education World University Rankings is established with Thomson Reuters, the new rankings data provider, and with input from more than 50 key figures in the sector ranking universities from 13 countries.

Assessment methods consider the 13 performance indicators designed to cover a wide range of university activities, from teaching to research to, which is represented by 5 categories:

• Teaching - the learning environment
• Research - volume, income and reputation
• Excerpts from the paper published - affect peneitian
• Industrial Revenue - innovation
• International atmosphere - staff and students

Shanghai University World Ranking
The Academic Ranking of World Universities (ARWU), which was first published in 2003 by Shanghai University, according to The Economist, has become "an annual ranking of the most widely used of research universities in the world". More than 1000 universities are ranked by ARWU every year and 500 the best published online.

This ranking uses six objective indicators to rank world universities:

• The number of alumni and staff winning Nobel Prizes and Fields Medals
• The number of researchers selected by Thomson Scientific
• The number of articles published in Nature and Science
• The number of articles listed in the Science Citation Index
• Social Sciences Citation Index
• Performance per person in relation to the size of the institution.

The Guardian University Guide
The Guardian University Guide is one of the best universities of different rank with other league tables, measures how well an institution appears in the teaching, the resources and the performance of their research. These criteria would be useful for graduate students.

Assessment criteria:

• The quality of teaching, assessed by final year students in the National Student Survey (National Student Survey - NSS): percentage of student satisfaction.
• Feedback and assessment, assessed by final year students in the NSS: percentage of student satisfaction.
• The overall quality of the course: NSS results by student last year.
• The cost of spending per student - rated 1-10.
• Comparison of the number of staff and students: the number of students per faculty member.
• career prospects: proportion of graduates who find employment or full-time course within six months after graduation.
• Value added: comparing the degree of individual student results with their entry qualifications, given the value of 1 - 10 This helps demonstrate the effectiveness of teaching in an institution and the extent to which departments of the university to help students to achieve their respective goals.
• Qualification entrance (UCAS student scores from the school).

It would be better for you if the university determines the best option to find information from a variety of sources, not just glued on university league tables alone. Because only yourself more aware as to what university / faculty in accordance with the wishes and needs.

May be useful.