Dahsyat, Laki-laki wajib baca nih!!!

"Tidak ada tebu yang kedua pangkalnya manis."

# "Kalau kamu memilih bersama wanita yang bekerja, kamu perlu menerima dia tidak bisa dirumah membersihkan rumah."

# "Kalau kamu memilih bersama ibu rumah tangga yang menjaga dan merawat rumah, kamu perlu menerima kalau dia tidak menghasilkan uang."

# "Kalau kamu memilih bersama wanita penurut, kamu harus menerima kalau dia bergantung padamu dan tidak mandiri."

# "Kalau kamu memilih bersama wanita pemberani, kamu harus menerima kalau dia keras kepala dan punya pemikiran sendiri."

# "Jikalau pilihanmu adalah bersama wanita yang cantik, maka kamu juga harus menerima kalau kecantikannya butuh banyak biaya untuk merawatnya."

# "Kalau kamu memilih bersama wanita hebat, kamu juga harus menerima kalau dia itu keras dan tak terkalahkan.

# "Tidak ada wanita yang sempurna, itu hanya ada dalam mimpimu saja."

# "Jika istrimu orang yang tidak pandai mengatur keuangan, maka janganlah mengeluh. Apalagi membandingkan dengan istri tetangga yang pandai mengatur keuangan."

# "Apa memelihara angsa dan bebek itu modalnya sama?"

# "Lelaki jaman sekarang itu, semuanya berharap wanita lemah lembut, perhatian, dan cantik, punya badan bagus, mandiri dan bisa mencari uang , selain itu juga menjaga rumah tangga, hormat pada orang tua, baik hati pada anggota keluargamu.

# "Apa kamu tinggi tampan? Atau kamu punya tabungan yang tak terbatas jumlahnya? Atau kamu juga orang yang lemah lembut, perhatian, setia, dan menyayangi istri? Jika kamu tidak memiliki kesemuanya itu maka berhentilah untuk bermimpi memiliki istri yang sempurna."

# "Kalau kamu ingin istrimu seperti Khadijah, Maka jadikanlah dirimu Muhammad terlebih dulu."

# "Kalau kamu ingin istrimu seperti Fatimah, maka jadikanlah dirimu Ali bin Abi Thalib terlebih dahulu."

# "Kalau kamu tidak punya semua itu, jangan menuntut istrimu menjadi apa yang kamu kehendaki."

# "Sapa dan peluk istrimu sekarang, sambil berucap terima kasih untuk kebersamaannya."

Microinsurer BIMA Aims to Close Developing Nations’ Protection Gap with Life & Health Cover

The insurance protection gap in developing nations is being stuffed by a growing cluster of microinsurers, which offer coverage that ranges from life and insurance, to crop insurance, to property protection when natural disasters. it's all aimed to enhance the resilience of individuals World Health Organization board the world’s most vulnerable economies.

One of those corporations – Stockholm-based BIMA – aims to enhance the lives of individuals in fourteen rising nations by providing a spread of reasonable life and health and private accident product, that area unit transacted exploitation itinerant technology.“We saw monumental chance for insurance in rising markets as a result of its penetration is extremely low – at around a pair of p.c,” says BIMA founder associated chief operating officer Gustaf Agartson in an interview with Insurance Journal. “We additionally may see that itinerant penetration is extremely high, at seventy p.c and higher than.”

With his background within the telecommunications business, Agartson saw a chance to use mobile technology and supply insurance to people that have a itinerant. when raising $2.5 million from a Swedish nondepository financial institution, Kinnevik, he launched BIMA’s operations in Republic of Ghana in 2010.

Since its 2010 launch, BIMA had raised a complete of US$75 million from varied investors. That was increased considerably in December 2017 once Allianz X, the digital investment unit of the Allianz cluster, proclaimed a $96.6 million investment in BIMA. With this investment, Allianz is currently BIMA’s sole insurance investor and its largest strategic investor overall.

Agartson promptly admits that he antecedently had no expertise within the insurance business, that he believes freed his mind to contemplate new models for insurance.

And he isn’t the sole key BIMA person while not associate insurance background. “To keep innovative and extremely challenge however insurance has been sold within the past, it’s vital to appear at things with contemporary eyes, and that i suppose that’s been one in every of our key success factors – at the side of our use of technology,” he says.

Of course, the corporate additionally has many specialists with solid insurance expertise, like actuaries, he adds. It’s simply the business model that’s slightly completely different.

Creating an honest client expertise

What is the most distinction between BIMA and ancient insurers? Agartson says the corporate aimed to make an honest client expertise by being as economical as attainable.

Traditional insurers need a huge quantity of knowledge and work once they sell insurance policies, he said. “We set to alter that. we have a tendency to limit our operation to taking a person’s name and age. And then, it’s up to the purchasers to declare that they're in physiological condition at the time of enrollment, and that we don’t attempt to verify that.”

In addition, no work is employed, therefore all transactions area unit completed electronically.

To avoid fraud, BIMA makes it clear to customers, once they purchase a policy, that if they stagnate their health, “the insurance are useless as a result of they won’t be able to create a claim.”

Verifying Claims once Necessary

“It’s far better to speculate in corroborative the claims instead of the large quantity of your time that will be needed to verify everyone’s health before they check in,” Agartson explains. “We create the verification once it’s required, and that we fully take away it once we believe it’s extra.”

When verification is critical – maybe when a insurance claim – a corporation representative can see a chief or a priest within the customer’s village.“You also can cross-check bound behavior by claimants, together with however long they’ve had the policy, the amounts they're claiming and the way they answer management queries throughout the claims method,” he adds.

“You will scale back the danger of paying deceitful claims by observing behavior and asking the proper queries.”

The BIMA claims method is essential to a way faster method and a way higher client expertise.

“Our read is that ancient insurance corporations tend to over-complicate the claims method. and also the results of that's that you just usually have negative client expertise, even within the cases wherever they’re really paying out the claims,” he continues. “The method is frustrating for patrons and that’s one thing we wish to challenge as a corporation.”

In addition to its insurance and private accident cowl, the corporate additionally provides a health policy, that provides hospitalization, and in four markets – Asian nation, Ghana, Asian nation and South American country – BIMA is trialing a mobile health service that offers customers unlimited access to doctors over the phone.

The customer’s initial contact is with a doctor on the phone, says Agartson, explaining that if the doctor can’t solve the matter, “then we have a tendency to area unit able to facilitate the client get a meeting at the hospital once the insurance covers the visits.”

A fixed payout is supplied with the hospitalization product. “We pay the purchasers for the nights they pay within the hospital. they'll use that money to hide travel prices, or they'll use it to hide loss of financial gain or to really pay the hospital bill,” he notes.

For the long run, BIMA is observing providing extra services to reinforce its hospitalization and doctor’s consultation services. “For example, we have a tendency to recently started trialing home delivery of medicines and that we have launched hospital appointment booking services.”

And how area unit the product sold? Agartson aforementioned the corporate has quite three,500 agents within the fourteen countries during which it operates.

“We have discovered that it works best for sales agents to coach customers regarding the product, so that they perceive what they’re shopping for,” he says, noting that customers can also check in directly via their itinerant suppliers exploitation text electronic messaging.

When asked what microinsurance will teach the standard business, Agartson aforementioned, it’s vital to stay product straightforward further as processes and repair delivery.

Making a distinction for patrons & Their Families

When Agartson talks regarding BIMA’s success, he says, the numbers represent themselves. The company’s product and services have reached twenty four million customers and their families. additionally, seventy five p.c of its customers area unit accessing insurance for the primary time, while 575,000 new customers area unit subscribing every month. (BIMA aforementioned it doesn't disclose info regarding its monetary performance.)

But the $64000 successes for BIMA accompany the people that area unit helped by its coverage. “We have paid out several thousands of claims,” he says. “If you cross-check our client base, quite ninety p.c of our customers survive but $10 every day.”

Agartson cited one example of a family in Democratic Socialist Republic of Sri Lanka World Health Organization had BIMA insurance. “We paid out near $10,000 to a mother with 3 youngsters when her husband died exploit no savings. That insurance created a giant distinction to the long run of that family.”

BIMA presently operates in continent (Ghana, Republic of Senegal and Tanzania), Asia (Bangladesh, Cambodia, Indonesia, Pakistan, Philippines and Sri Lanka), Asia Pacific (Fiji, New Guinea New Guinea) and geographical region and also the Caribbean (Haiti, Republic of Honduras and Paraguay).

In the pipeline of latest markets may be a planned enlargement into Central America. “We can continue geographical enlargement among rising markets,” Agartson thoroughbred.

10 Easy Steps to Succeed in Your Online Classes

Congratulations Youve made up our minds to pursue your upper schooling, and doing so online is how to pass if you have an interest in a versatile, studentcentered educating manner. Studying online permits you to pursue different pursuits and attend to different responsibilities whilst nonetheless operating your method towards some extent. However, it will now and again imply that its clean to get distracted. Here are 10 clean steps to verify luck on your online categories.

Connect together with your instructors once conceivable. Even in case you are doing smartly within the category, its extraordinarily vital to increase a rapport together with your trainer. When you do that early on, you temporarily understand what the priorities are within the route, what expectancies the professor has of you and youre going to be motivated to prevail, surer of whats forward and higher ready to do smartly with the impending subject material.

Valuable questions to invite your trainer come with the next

How versatile are you with time limits How versatile are you with grownup freshmen What applied sciences do you employ within the route How to be had are you through e mail and different sorts of verbal exchange How do you put up an internet neighborhood and what are the expectancies for participation in it In addition, since instructors are to be had to lend a hand all over the classes, its all the time just right to have had private touch with the trainer early on. This method, when you wish to have lend a hand, its more straightforward to achieve out and get the help you wish to have.

Confirm the technical necessities of the route. Online categories can also be very advisable for college kids with busy schedules, however provided that they are able to simply get right of entry to the fabrics. It is vital to obviously perceive what the technical necessities are. So, ahead of the route begins or as quickly thereafter as conceivable, youll want to test that your pc will paintings with the entire online equipment, and that you understand how to navigate them. This will be sure that you dont must spend time all the way through the route attempting to determine the generation.

three. Create a time table and stick with it. Quality online instructors create classes which might be clean to navigate and feature transparent expectancies. Having that roughly easytodealwith framework in position will make learning and succeeding that a lot more straightforward. However, although the framework and necessities of your category arent as transparent, youll create a time table and construction, which is able to very much fortify your probabilities of luck within the route. Using equipment equivalent to Google Calendar is a good way to start out. Knowing how your weeks and months glance and scheduling blocks of analysis time for each and every activity or module will will let you stick with a time table.

four. Ask questionsall the time. When you dont perceive, ask questions. When you do perceive, ask additional questions. Instructors recognize scholars who take part, and if theres a participation or dialogue part a part of the grade, then asking high quality questions is helping guarantee your grade on this space. Even if there isnt a participation part, its all the time helpful to invite inquiries to remember to perceive the fabric and are transparent on what is needed of you.

five. Be arrangedand keep arranged. Students whore taking conventional, campusbased classes most often have a constant time table to observe each and every week, through which study room instruction is adopted through assignments out of doors the category. However, for online classes, scholars will have to search out their very own techniques to stick on most sensible in their paintings. It is crucial that you just be arranged from the start of the semester with the intention to achieve success in an internet route. For instance mark task due dates on your calendar, discover a submitting machine for each online subject material and bodily subject material that is helping you stay monitor of the whole lot simply, and shed light on find out about schedules that duvet sections of the route one by one so youve got an arranged tactic to protecting the semesters subject material as you pass alongside.

Have a blank, quiet, and constant workspace. One factor online and inclass classes have in not unusual is that scholars all the time want a spot to review or whole assignments this is blank, quiet, and constant. You can select the place that is for youwhether or not its at a espresso store, a college library, a devoted place of business, or at house. Wherever you select to review and whole assignments, you must make it a constant location that doesnt have out of doors distractions. It is basically key that where is quiet and lets you focal point in your paintings with out distractions.
Do no longer procrastinate. Successful distance freshmen hardly procrastinate. They dont do away with assignments or wait till the final second to write down their papers. Successful online scholars experience freedoms that come with operating at their very own tempo and the facility to finish their paintings in as a lot time because it takes them. On the opposite hand, they know that finishing their assignments is best performed early and on time cramming merely doesnt paintings, and it doesnt will let you retain knowledge longterm. Get began early on getting a success.

eight. Work in your studying comprehension. Successful distance freshmen generally tend to have just right studying comprehension abilities. Most conventional, campusbased scholars concentrate to lectures and take notes, and a few online classes additionally require this. However, the vast majority of distance freshmen are anticipated to grasp subject material thru a large amount of studying. Although far finding out classes be offering video recordings and audio clips, maximum systems require scholars to hide and grasp a considerable amount of written knowledge. If it is a problem for you, it could be very useful to first sign up in a studying comprehension route there are lots of assets online that will help you do that. This ability by myself could make a huge distinction on your luck.

nine. Establish and admire routines that be just right for you. If, for instance, youre employed best within the morning or in brief bursts, then set find out about routines that can help you find out about within the prelunch hours when your mind is contemporary. If, then again, you do best through learning at evening or at the weekends when youll devote nightowl hours or longer blocks in your learning, then make it some degree to take action. Consider how and whilst you paintings best, and enforce a find out about plan that respects the routines that be just right for you.

Connect together with your friends. Establishing sturdy connections with friends and professors is a very powerful facet of tutorial luck, in addition to skilled development. One of essentially the most rewarding reports in schooling is finding out thru collaboration. Forming significant relationships together with your friends and professors can can help you be told extra, keep motivated, and feature an outlet to specific your personal working out of subject material. So, keep attached thru message forums, chat rooms, e mail, and different digital assets. And take note lots of the other people you meet in faculty shall be conceivable process assets down the road so determine connections and keep in contact

Florida National University gives a wealth of tutorial and professional online classes. Check out the entire choicesyour long run is ready