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15 Tahun Ditahan Majikan, TKI di Amman Berhasil Ditemukan

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Recently, I went for a research trip to Japan from 16th November 2009 to 21st November 2009. The objective was to visit Tokio Marine Holdings, the parent company of TM Asia. The trip is indeed very fruitful. Before I give my review on my findings, I must declare that this trip is fully sponsored by TM Asia for a group of achievers (there are about 20 of us). TM Asia flew us in Singapore Airlines and housed us at Hilton Tokyo (though I dislike the hotel as I paid close to 80 dollars for just 3 days of internet access). In order to be as transparent and objective as possible, that is why I declare this ahead first. At the same time, just to let you know I am NOT an employee of TM Asia, hence, I can be as Independent on the review as possible. During my trip, I realised that during the Asia Financial Crisis happened in 1997 to 1998, lots of Japanese Insurance companies collapsed. Yet Tokio Marine stood well against the test of time and became a giant insurance company in Japan. According to the latest statistics, one out of every four person in japan is insured with TM. There is a recent Japanese newspaper article that reports that other than Tokio Marine, all companies had a reduction of nett premiums. Why TM have an increase? This was mainly due to the overseas acquisition by TM. For the past few years, TM bought over Loyld, and of course Asialife (1st Singapore insurance company). What a good news especially during the financial crisis period:) Sadly though we never met the Managing Director of Tokio Marine but we met the Managing Director and Executive Director, Mitani-San of TM Asia. They are both very friendly and helpful to us. Most importantly both have stayed in Tokio Marine (TM) for very very long. For Mitani-San, he stayed in TM for like 19 years! Why is that important? Well it is a sign of stability in the company. We wouldn't want terms and conditions change every other year right? In the book 7 habits of successful person, Steve Covey said that the principle behind good customer service is how well they treat staff. Hence, I am rather happy that TM is treating their staffs very well. The building they had in Tokyo is in prime location - just next to the Emperor's palace. Very very few companies do have their building around the Emperor's Palace. It states how old is Tokio Marine company is. The company started in 1870. And more importantly, the value of the building is always on the rise. Not to mentioned that TM Asia is now building a new building in Cecil St. Very surprisingly, TM have a TV broadcast studio to broadcast all important messages and trainings to all the branches in Japan. I was told that TM launched their own satellite for the studio. What a display of financial strength. No wonder according to the credit rating agencies, they are just rated 1 level below Berkshire Hathaway. However, like all companies, no company is without weakness. The one and only most glaring disadvantage of TM is that TM is relatively "new" in life insurance. They only got into life in 1996. 13 years is still relatively new in term of life. And that is why TM is building up their Life Business through Mergers and Aquisitions. One of the most prominent acquisitions in recent years is that they bought over Asialife General Holdings (the parent company of Asialife) in 2006 and renamed Asialife to be TM Asia. That is why though Asialife have 60 years experience in life insurance but if u do an acra check on TM Asialife, you get a 2 years company. At the same time, the reinsurer of TM Asia is far from ideal. Due to trade secrecy reason, I shall not mention name but from a trusted source, TM Asia is in the midst of changing their reinsurer. Let's hope that things will become better with the change of reinsurer. Nonetheless, as Policyholders of our own Insurance, we need to understand the background of the company, regardless whether is it TM Asia, NTUC, Aviva, etc. The 2 most important questions we should ask our Advisors about our own policies are - 1. Are the policies the most value for money? 2. Which company is giving me the most bonus? We as consumers deserved the right to know it:) Max Tay is a Personal Finance "Restructuring" Specialist who is very passionate about the Cashflow Concept taught by Robert Kiyosaki. He has been playing the Cashflow Game since 2002 and playing the Cashflow Game in real life since 2007. Since then, together with Cashflow Warrior Academy, he facilitates regular Cashflow Game in Singapore. You can visit [http://www.CashFlowGame.com.sg] to get yourself informed of the next Cashflow Game. Mission: To Educate and Empower Individuals with Financial Intelligence to be Financially Free! Vision: Everyone Never Work Again! Article Source: https://EzineArticles.com/expert/Max_Tay/444634
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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.

  1. 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.

  1. 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.

  1. 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.
  2. 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.

  1. 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