California Institute of Technology, commonly known as Caltech, is a private university that is open to both men and women and is located in Pasadena, California, in the United States. Caltech has six academic divisions with strong emphasis on science and engineering. Its 124-acre (50 ha) primary campus is located approximately 11 mi (18 km) northeast of downtown Los Angeles.
The university is one of the most prominent universities in the research. Caltech maintains a strong emphasis in the natural sciences and engineering. Caltech owns and operates complex space flight "autonomous" world leader known as the Jet Propulsion Laboratory. JPS observe the design and operation of many of NASA's exploration of outer space; not as "National Laboratories" (National Laboratory USA) and other NASA Space Center, JPS facilities only in the contract to the government.
Although founded as a preparatory and vocational school by Amos G. Throop in 1891, the college attracted influential scientists such as George Ellery Hale, Arthur Amos Noyes, and Robert Andrews Millikan in the early 20th century. The vocational and preparatory schools were disbanded and spun off in 1910, and the college assumed its present name in 1921. In 1934, Caltech was elected to the Association of American Universities, and the antecedents of NASA's Jet Propulsion Laboratory, which Caltech continues to manage and operate, were established between 1936 and 1943 under Theodore von Kármán.[6][7] The university is one among a small group of Institutes of Technology in the United States which tends to be primarily devoted to the instruction of technical arts and applied sciences.
Despite its small size, 32 Caltech alumni and faculty have won a total of 33 Nobel Prizes (Linus Pauling being the only individual in history to win two unshared prizes) and 70 have won the United States National Medal of Science or Technology.[3] There are 112 faculty members who have been elected to the National Academies. In addition, numerous faculty members are associated with the Howard Hughes Medical Institute as well as NASA.[3] Caltech managed $332 million in 2011 in sponsored research and $1.85 billion for its endowment in 2013.[2][8] It also has a long standing rivalry with the Massachusetts Institute of Technology (MIT).
First year students are required to live on campus, and 95% of undergraduates remain in the on-campus house system. Although Caltech has a strong tradition of practical jokes and pranks,[9] student life is governed by an honor code which allows faculty to assign take-home examinations. The Caltech Beavers compete in 13 intercollegiate sports in the NCAA Division III's Southern California Intercollegiate Athletic Conference.
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Harvard University is a private university in Cambridge, Massachusetts, USA and a member of the Ivy League. The University is one of the world's best universities.
The University was founded on 8 September 1636 and is the oldest college in the United States. Originally named New College, and renamed Harvard College on March 13, 1639 to honor the biggest contributor, John Harvard, a former student of the University of Cambridge.
The earliest references to call Harvard as "university" and not a "college" occurred in 1780.
Harvard University is one of the most prestigious universities in the world and has the largest revenue among universities around the world (US $ 22.6 billion in 2004), almost double the Yale University, its nearest competitor).
USA universities rank the output US News in 2005 put Harvard University and Princeton University together in the first place. [1] Harvard University also won first place in 2004, after five years in the second and third positions. Times Higher Education Supplement World University Rankings also placed first in the Harvard University [2].
Harvard University now has 9 faculties, sorted below according to the set :
* Harvard Faculty of Arts and Sciences and its sub-faculty, the Harvard Division of Engineering and Applied Sciences, which together include: Harvard College, which is part of the University's graduate (1636) Harvard Graduate School of Arts and Sciences (1872) Harvard Division of Continuing Education, including Harvard Extension School and Harvard Summer School
* Faculty of Medicine, including Harvard Medical School (1782) and Harvard School of Dental Medicine (1867)
* Harvard Divinity School (1816)
* Harvard Law School (1817)
* Harvard Business School (1908)
* Harvard Graduate School of Design (1914)
* Harvard Graduate School of Education (1920)
* Harvard School of Public Health (1922)
* Kennedy School of Government (1936)
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For the safety and comfort-and the road users around you-when you drove the car on the road, it is recommended that you have car insurance. So you will avoid problems that are not desirable, especially concerning large expenses. Follow some of these tips to help choose the type of car insurance that you need.
Note clausa. In general there are two types of car insurance, which is a total loss and all risk. Total loss only reimburse the missing vehicle, while all risk cover damage to the car when you hit another vehicle and also third parties. With the value of higher premiums, the insurance you can add all risk cover riots, floods, and earthquakes. And, some insurance companies are already equipped with a tow truck service 24 hours, so you can be ready to help whenever and wherever you are.
Calculate the value of premiums and discounts. When choosing the right insurance for the vehicle
You, note the value premium and pieces that can you can. For example, for the value of all risk premiums, ranging from 2.8 - 3.5% of the value of your vehicle, and usually you can get a premium discount of up to 15%. But keep in mind, whether such rebates reduce the number of facilities that you can? Even if you get a cheap premium, but at the time of the crash, the insurance actually complicate your choice, you should not choose a (more) expensive but easier for you?
Check the peer workshop. Every car insurance company-where the crest has had a working relationship with a body repair workshop. Then, when you want to make a claim, the insurance company usually offers several options to policyholders workshop. Preferably, before you put the vehicle into the repair shop, review the first, and look at how they work and the quality of workmanship. Thus, after the car was left there for repair, you will not be disappointed with the results.
Pay attention to the reduction of the value of the vehicle. For those who want to pay a lower premium rate, you may deduct the value of the vehicle up to 5% of the premium offered. However, it should be noted that if it is done-eg, when your car can no longer be repaired or replaced loss of value of the company remains in compliance based on the initial contract.
10-year-old vehicles. For vehicles that have been aged 10 years or more can only be covered by insurance total loss. All risk insurance does not apply to these vehicles. Premium values ranged from 1.8-2.2%.
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Many things we do not know, but it is actually very important, when choosing the best health insurance for our family. These seven tips on how to choose the right health insurance.
From here, I became aware that many of the problems faced by people when selecting health insurance. This is not a user-friendly products such as gadgets, without the need to read the manual book, overnight wear can instantly. It is an insurance product that features and complex provisions.
I wish everyone could choose an insurance product that benefits according to their needs. Not because of the choice of the agent or inducement friend, but because it is a choice on the basis of an understanding of what he needs.
But, for that, they must know how to choose good.
Findings - I summarize the findings in the field, reflect back, and discuss it with your friends - on the insurance, then I pour the essence into seven tips on how to choose a health insurance below.
Tip # 1: Ask a Current Health Insurance Healthy
Tip # 2: Ask a Health Insurance in Young Age
Tip # 3: Choose Health Insurance, Not Cash Plan
Tip # 4: Consider Terms Hospitalization
Tip # 5: One Policy for One Family
Tip # 6: Could Double - Claim
Tip # 7: Pure Health Insurance
Insurance is not user-friendly products such as mobile phone or tab. Moreover, health insurance. Definition of products is quite complex and many of his disclaimer. Unfortunately, many do not want to read the policy and learn to understand the meaning of health insurance choices. As a result, the choice is often less precise (expensive premiums, and other small benefits - other), which led to complaints it - when it is not replaced inpatient claims as expected.
I thank my friends who have much to comment on the article and enter health insurance. In addition to add insight, I learned a lot about the problems - problems faced by a person when looking for health insurance. Helps avoid repeating that mistake, I summarize it in seven tips on how to choose the right health insurance.
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Many health insurance companies who claim their products are the best health insurance, so that people confuse the layman. The question is, of all the best insurance products, health insurance Which is good for you?
I raise up for you, who have realized the importance of having protection. Not a lot of people who have insurance awareness let alone to protect the health of family members (family insurance).
I give special appreciation for people like you who choose the path to find out or information before determining the choice.
People choose to take out generally already aware of the importance of health.
If I may ask, Why do you take insurance?
1. Because health is expensive.
2. The cost of the hospital is increasingly rising.
3. Health condition can not always be foreseen is always good.
4. Not having the protection of office / place of work, if sick, no
lighten the burden of the cost.
5. High risk my job, working in the field.
6. So if treated in hospitals could free.
If the reasons above into your base to have protection, I think almost all health insurance products are able to cover it all.
But you need to remember the disease / health is a serious problem that must be prepared as well as possible, so that before you have to consider the health insurance that you need is not to protect you / family from the health risks today or tomorrow, but a few years or perhaps the decades ahead.
Some important things to consider are:
- How much benefit for hospitalization.
- Outpatient
- Outpatient surgery, etc..
Many people think that by having protection on the state that they will be suitable for her insurance.
Fact: There are many benefits of outpatient / inpatient used by customers
Some people take this protection just want to be double claim of protection that has been provided by the office where she worked.
They think inpatient / path protection is the most important in choosing insurance, you Try to remember when you last hospitalized in the Hospital ?
3 years ... 4 years ... even when I was a former school ... it means that the benefits are rarely used.
Be aware that the benefits of inpatient / path associated with the amount of premium to be paid. When you decide to take this benefit needs to be seen how many days a year you will be protected?
There are 3 things that are more important than just benefits hospitalization / road course, you need to look and be a consideration in choosing a good health insurance, 3 important things are generally not all life insurance companies / health mengcovernya brave, important things that is ...
1 CRITICAL ILLNESS COVER
The most feared disease of all people today is CRITICAL ILLNESS, be it heart, cancer, tumors, stroke, etc.. The disease each year increasing number of patients, due to unhealthy lifestyle, stress, even as obesity.
And according to a survey conducted by the WHO, 90% of people die earlier because of a critical illness. This means that only about 10% of men who die in natural conditions. Hmm .. not so little ...
For critical illness is also cost countless expensive, if it's been hundreds of millions could be imagined ten, twenty and even thirty years later, it could be billions instead? This is what we have to look and see!
Check and ask your insurance agent offer:
1. Does having insurance protection for the critically ill?
2. How many types of critical illness dicovernya?
3. If there is, check how much protection is reserved for critically ill and try to think and count again you've given it enough protection costs compared with the cost requirements at the time of the occurrence?
This is important, because not all health insurance provides protection for the critically ill, some there but have very little cash value, it does not help you!
Do not forget to check and ask, usually good health insurance that will provide free savings benefits when customers critical illness.
The question is:
"With the lifestyle that we run it now, in the span of 20-30 ahead, is there a possibility we exposed one of the critical illnesses?"
2 PERMANENT TOTAL DISABILITY COVER
In addition to critical illness there was something else that was also a high level of risk such as disability due to illness or accident, even a total permanent disability that allows a person was not able to work anymore.
When this happens on the client,
Ask detailed as possible whether conducted by the insurance company:
1. Mengeluarkan cost of protection, then cover policy (breakup), or
2. Mengeluarkan protection and cost saving benefits free of charge on its customers to a certain age, and other protection to keep going.
My advice, choose insurance which gives option number 2, because we all know when someone is having a total permanent disability, automatically he could not do the work up as before, for some companies in Indonesia is a state of such employees will be given consideration for policy "early retirement" on the employee. You definitely understand what I mean.
Oh yeah do not forget to look for insurance that provides protection with a total permanent disability claim is not paid immediately "repaid".
3 FUTURE PROTECTION
If you decide to have a current protection, then you also have to count to what age you will be protected, because of course the difference in 5 years will be very important to you is not it? Health insurance products that claim to be good to have the longest period of protection, especially for the benefit of critical illness (up to 70-year-old client).
In addition, look for health insurance that not reducing benefits / benefits in the event of a claim from one of the critical illness or total permanent disability with a claim that will be accepted if an heir if the insured dies.
Good health insurance is always put customers in a position to "win"
This means that any cost benefit (critical illness / total permanent disability) issued to the customer does not interfere with the cost of benefits (life) other, as much insurance costs glance has great protection, it turns out that mutual benefits to reduce costs.
Ask more details about the company's financial strength not only from the information agent / ads served but real accomplishments achieved by the company.
Do you already have health insurance benefits above? If not, should you question to a financial consultant (agent) of your health insurance.
Many facts occurred, a lot of people off guard to choose not to have insurance, the wrong health insurance, and does not consider other factors.
So as I mentioned earlier that if you are not careful in considering the benefits of protection, even feared would pose a serious problem in financial planning, even some that eventually "broke" as a given claim is insufficient for health care costs, because the focus to see the benefits you will receive later.
Insurance children's education becomes very important when we talk about the future. Regardless of the type of work we are, be it fixed-income jobs as civil servants and employees of state-owned companies or jobs as entrepreneurial income is not fixed. Especially as civil servants and employees of SOEs in salaries are child support. Child support is supposed to be utilized for child education insurance or savings, because it has become a children's rights.
Child education insurance plan is very important, keeping in risk is always there anywhere and anytime. Not always our parents in their productive years, there are times when we will be old, retired from a job, can no longer entrepreneurship and others, it is a variety of risks that a motivating factor to make child education insurance.
Maybe we still often build various reasons for not insuring the child's education, or perhaps there are still among us who think that insurance is just money out alone. From now on we need to understand that the actual insurance education spending bun taboo one form of long-term investment is that in his time we can later harvest field of investment like property or other fields.
Another reason parents are not often used to make a child's education is the amount of insurance (expensive) premium to be paid every month. Actually, in modern times, there are many insurance premiums are set flexibly according to the ability of its customers, in addition to the premiums there are also flexible insurance that offers flexible premium payment period. For this you need to contact an insurance agent such as Prudential, AIA, or AXA and other leading insurance agent.
Insurance education can also be combined with health insurance or other insurance, it depends on the portfolio that we plan and select insurance when registering. Planning for the insurance it should consult with an insurance agent or broker, they are far more understanding of planning or type of insurance product education that best matches we purchase separately. Hopefully with a brief overview of the insurance education can provide benefits to us all.
Throw away thoughts that you can double your money by buying insurance. Unfortunately, there are still many people embrace the concept wrong. Insurance is not one form of money as the investment development. 10 + 10 in investment could be 40 or more, plus the interest or return. In investing, there is no accumulation of wealth and power to multiply.
This concept is much different from that insurance is aimed at anticipating the emergence of unexpected risks and still a potential. In insurance, the event risks (such as illness or accident), then there is a certain amount of insurance money that we get, in return for insurance premiums paid regularly ever before. But when there is no risk, the premiums will be forfeited and we lose the money already paid.
Let's say, you want a home that is safe, then you decide to hire a security guard. In fact, the case of a theft or not, nonetheless security guard must be paid to maintain security. It's similar to the concept of insurance. But some people think it is detrimental. Why buy something that is not necessarily the case because it will actually make us lose money?
But if you think more wisely again, Babes, insurance premiums paid for the same as the salary to be paid to security. Before you feel aggrieved, look at insurance from different sides.
If it is decided to have insurance, here are some simple ways to examine before purchasing it:
- Entrusting your choice on the insurance company that is recognized to have great credibility. To be safe, check the company who occupy the top five positions in the list of most health insurance companies according to the Ministry of Finance.
- Select the appropriate insurance really needs. When still in doubt, provide more time to think. Do not rush.
- Observe good throughout its terms and conditions. If there is one point that you do not understand, the better directly ask.
- Insurance agents are there to make things clearer, not to confuse you then use as well as possible.
Make sure the insurance premiums are affordable and flexible. Do not exceed your financial limits.
- Understand the policy details. Note the various risks that are covered.
- Cases are commonly encountered is the difficulty demanding that insurance money is rightfully yours. From the beginning, make sure to clear the claim procedures to be followed. Who to contact and correspondence as to what to be prepared.
Insurance like saving for the future later, eg invest to ensure the old days, the future of the child, even life better in the future. Especially when modern society prefers to invest and protect the things that they think they are valuable for their future. Now, therefore it is not surprising that many insurance companies renew its products to be accepted by the customer.
Currently, many insurance companies that offer their best products, such as investment products, life insurance, health insurance, children's education, protect property, and even insurance that they need to be considered. So, currently known insurance is not just insurance purely traditional course, but a lot of products that provide more than one insurance benefit. Surely this will provide a distinct advantage for customers.
Importance of insurance because insurance will guarantee your life in the future, let's say your pension will be stored properly so that the parents will be guaranteed well too, the future of the baby until later your parents will also be guaranteed, and other advantages while choosing an insurance product which is considered very important and satisfying.
Many insurance companies currently offering products that provide benefits for customers, one link unit that provides insurance benefits more than two at once. With unit-linked insurance, you will benefit more than just investing but you also will benefit more satisfactory for health. This insurance is insurance that attracted many people.
Keep in mind that there are many insurance companies in Indonesia today and you have to be observant to choose which insurance company will be trusted to keep the value of the investment will be. Choose an insurance company that has a messenger who can you trust and ensure that the investment is maintained well. So, have you set out to select the desired insurance and which company you trust to ensure the future with loved ones? Hopefully find companies and products are the best insurance. May be useful
Education is one of the valuable assets owned by Man. No wonder then humans will flock choose a place that has the best quality education. As colleges list below. Below are the 10 Best Universities in the World. What are the list of the World's Best Universities, Consider the following information below.
1. Massachusetts Institute of Technology (USA)
University first achieved the world's best by the University Massachusetts Institute of Technology, or often abbreviated as MIT. MIT is a private research a University which is located in the United States. Has 32 Academic Department. University is doing a strong emphasis on science, engineering, technology and research. Lots of well-known by scientists at the University MIT's born.
2. University of Cambridge (UK)
University of Cambridge University made it into the list of world's best second after MIT. University research that focuses on education is also included into the fourth oldest University in the world. Based in Cambridge UK. Many Indonesian students who continue their education at the University.
3. Harvard University (USA)
University of the oldest in the United States was successfully entered into the list of World's Best Universities 2014 For quality Harvard University dropout is already no doubt. Evidenced by the many who graduated from this University who have influence in the world's progress. University which was formally established in 1636 are in great demand by the people of the world who wish to proceed to a higher school, intense competition and the difficulty of entry to become a student at this university can be a barrier to the toughest school in the University.
4. University College London (UCL)
University College London or UCL is often abbreviated to the University college located in London England. UCL is focused on the research and educational public reset. University that was founded in 1826, is one of the University who receive students without looking at the background of the student.
5. University of Oxford (UK)
Touted as the oldest University in the World. Oxford University was founded in 1096. popularity University this period began in 1167 at which time it was a cold war between France and England. The occurrence of the cold war made contact King of England at the time Henry II banned its students to study in France. This is exactly what makes the University of Oxford as a last resort for British students to continue higher education.
6. Imperial College London (UK)
Imperial College London is a University college education focuses in the field of Science. Engineering, Medicine and Business. Later in 2007 the University is the courage to stand alone as an Independent after earlier falls under government ownership.
7. Yale University
Yale University is a third oldest educational institution in the United States that still stands today. Yale University is a private University that promotes research at the cutting edge of education. Established in 1701 and located in New Haven, Connecticut, USA.
8. University of Chicago (USA)
University of Chicago is often called U of C is a private University located in Chicago. The University is known to have sebanyaknya 5000 students enrolled and at least about 15,000 people have been studying at this University.
9. Princeton University (United States)
The next oldest university is the University Priceton. Priceton university located in New Jersey is the fourth oldest educational institution in the United States. Education department at the University, such as Architecture, Engineering and International Relations. Including field research physicists were also available at the University Priceton this
10. California Institute of Techology (Caltech)
The next best is the University of California Institute of Technology. The university is one of the best universities in terms of research studies. Cost of education is emphasized at this University Natural Sciences and Engineering. Space research agency such as aerospace where Caltech also played a role in the study.
That's 10 Best Universities in the World. If you are interested in continuing your education in one of the best universities above, of course it is very good. Work hard to continue to learn the keys to successfully get into the university.
