INFO INTERNET

2009-01-01T15:26:00.001-08:00

Tips Melamar Pekerjaan

Mayoritas teman 1 angkatan saya di SBM sudah lulus, selesai sidang, dan sebentar lagi Wisuda, Selamat untuk mereka yang sudah lulus duluan, saya diundur kelulusannya karena di ITB tidak diizinkan untuk mengambil 2 x NOL sks, sedang saya berhalangan mengikuti wisuda oktober esok, ngga lucu rasanya kalau kuliah capek capek, tapi ngga ada wisudanya.

Ok, sebenarnya saya hendak menulis beberapa tips singkat untuk melamar pekerjaan, berasal dari pengalaman orang orang yang dituturkan ke saya, dan juga yang saya alami.
mungkin, ada baiknya pembaca yang hendak melamar pekerjaan, menuruti tips tips ini,

1.Kirim Lamaran dalam bentuk yang diminta, bisa berupa datang langsung, email, dan juga lewat pos. Jangan sekali sekali mengirimkan FAX terkecuali diminta
2.Jika mengirimkan lamaran lewat email, pergunakanlah alamat email RESMI, mudah diingat, dan reliable, jangan sekali sekali menggunakan provider email gratisan lokal seperti @telkom.net dan @plasa.com karena leletnya naudzubillah dan tidak reliable.
3.Alamat email resmi ini, bisa berupa email yang diberikan sewaktu kuliah, atau email pribadi seperti @yahoo atau @gmail usahakan namanya sopan, jangan bernickname coolguyz@yahoo, justgurlz@yahoo, akuluvdia@yahoo. Sumpah itu 100% NORAK!!! kalau bisa gunakan nama kamu sendiri, semisal email@rendymaulana.com, untuk yang terakhir ini, saya rasa pembaca sudah tau harus pesan dimana, ya di QWords.com gitu loh

4.Kirimkan CV dalam bentuk format .doc / .rtf usahakan isinya lengkap, termasuk gambar, dalam 1 file, dan berikanlah nama kamu di FILE CV itu, semisal, CV_Rendy_Maulana__untuk_Qwords.com.doc
5.Jangan sekali sekali mengirimkan gambar berupa foto atau hasil karya atau sertifikat dengan ukuran yang tidak diresize, percayalah, ngga akan dikoleksi kok, hanya menuh menuhin inbox saja.
6.Jika terpaksa mengirimkan gambar banyak, kompreslah semua file tersebut kedalam file .zip dan beri nama yang jelas, jangan diberi nama file, foto saya.jpg atau chayangrudluvniy.jpg, percayalah, itu akan memperburuk penilaianmu dihadapan pemeriksa CV.
7.Berikan surat pengantar, kenapa kamu kepengen kerja disana, jujurlah dalam berkata, jangan melebih lebihkan sesuatu, jangan juga curhat.
8.Jika kamu mengirimkan surat lamaran lewat POS, pastikan juga tidak ada ijazah / transkrip nilai asli yang terkirim, jika memang terkirim, perusahaan tidak akan pernah mengembalikan dokumen tersebut, bisa jadi dibuang beserta dokumenmu yang lain, jika memang kamu tidak diterima bekerja disana / tidak dipanggil.
9.Usahakan dokumen yang dikirim tidak terlalu banyak, singkat, padat, jelas, jangan juga membuat CV yang bodong, semisal ikut banyak kegiatan dalam satu waktu, yang jika dihitung menurut logika, tidak mungkin.
10.Jika anda adalah seorang aktivis politik, sebaiknya berpikir ulang mengenai lamaran yang anda ajukan, biasanya perusahaan tidak terlalu suka dengan anda, terkecuali untuk posisi posisi tertentu.

Mungkin baru 10 tips singkat dari saya, jangan lupa, pesan sponsor, kalau ngirim email ya pake email resmi dong…

2009-01-01T15:26:00.000-08:00

Tips Menjadi Mahasiswa Sukses

Anda mahasiswa yang luntang-luntung kurang kerjaan? Sudah mulai mual ndengerin kuliah pak dosen? Mulai bete dengan suasana kos-kosan? Apalagi teman dekat sudah mulai pindah kos karena nggak tahan anda utangin terus hehehe. Pingin teriak sekeras-kerasnya tapi takut ditimpukin tetangga? Atau dulu punya mimpi pingin ikut mbangun republik tercinta, tapi jangankan itu, mbangun diri sendiri saja susah bo :) Apa salah jurusan yah? Padahal dulu dah baca-baca tulisan tips dan trik memilih jurusan. Bingung karena nggak dapat apa-apa di universitas. Jadi makin terseok-seok dan tanpa ruh kalau baca tulisan tentang jenis mahasiswa. Hmmm … coba deh ikuti tulisan ini, siapa tahu ada tips yang cocok dan bisa bikin semangat bangkit.

Bangun tidur, berdiri di depan kaca, ucapkan bahwa andalah yang terbaik di kos-kosan ini (Ya soalnya anda sendirian sekarang :D) Kalau anda merasa itu kurang, ucapkan bahwa andalah yang terbaik di kelas anda atau terganteng di kampus anda. Yakinilah bahwa anda adalah manusia pilihan, paling tidak terpilih sebagai wakil desa anda yang bisa kuliah di universitas ini. Atau kalau lebih pede lagi, bilang bahwa andalah makhluk terbaik di muka bumi, ya memang benar, paling tidak dibandingkan dengan hewan dan tumbuhan
Mandi yang bersih, sisir dan rapikan rambut anda. Ambil handphone, bikin senyuman paling manis, foto wajah anda. Ulangi lagi kalau masih kurang enak dilihat. Kalau sampai 10 kali jepretan masih juga kurang enak di lihat, ambil secara acak saja. Mungkin wajah anda memang tidak terlalu enak dilihat
Nyalakan komputer, akses internet, nggak usah ke mana-mana, langsung saja buka http://wordpress.com. Buat account blog di sana.
Renungi hidup anda, ingat-ingat lagi perjalanan hidup dari kecil sampai sekarang dan apa yang telah anda lakukan. Masuk ke menu administrasi http://wordpress.com, klik Write->Page. Buat tulisan dengan judul About Me, tuliskan resume, kisah hidup dan Curriculum Vitae (CV) anda. Tuliskan “apa saja” seluruh kegiatan anda di sana. Dari lahir, SD, SMP, SMA dan kuliah. Pernah jadi ketua OSIS, sekretaris, bendahara atau pesuruh OSIS? Atau pernah ikutan nyembelih kambing kurban, pernah jadi penjaga masjid, pernah bikin workshop komputer, pernah menang lomba balap karung, cerdas cermat atau lomba gambar di kampung. Tulis semuanya. Kerahkan seluruh ingatan anda, anggap saja nostalgia. Sekali lagi, tulis semua, apapun yang anda lalui di “Page” berjudul About Me tadi. Sudah puas? Klik “Publish“. Kalau ada yang kurang tambahi lagi, kalau merasa halaman itu nggak cukup dan harus tulis dalam OO Writer atau MS Word, copy and paste saja draft tadi. Jangan lupa convert ke PDF dan upload di halaman About Me. Perbaiki terus CV anda setiap ada kegiatan yang anda lakukan, sekecil apapun. Beri juga skrinsyuut kalau diperlukan. Oh ya, foto manis anda tadi jangan lupa dipasang di halaman About Me, kalau pingin contoh, termasuk gimana nempatan CV versi PDF cek di sini deh
Sekarang ayok berdiri, jalan ke meja belajar anda. Kenangi kehidupan kampus anda, senangnya ketika diterima di universitas ini, semangatnya ikutan ospek (atau apa ya namanya sekarang?), dosen-dosen anda yang baik dan menyenangkan, nilai mata kuliah anda yang naik turun (yang pasti lebih banyak turunnya ;)), dan mungkin juga teman-teman mahasiswi anda yang sudah menolak cinta anda Kenang semua. Olala, ada kenangan manis disaat anda berjaya dengan satu mata kuliah yang anda senangi, dosennya juga maknyus kalau ngajar, dan anda akhirnya anda mendapatkan berkah nilai A diantara tumpukan nilai C, D dan E.
Mata kuliah apa itu ya, yang dulu anda senangi? Cari buku catatan anda, obrak abrik meja belajar untuk nyari buku textbook mata kuliah itu. Ketemu? Oalah anda ternyata jagoan Rekayasa Perangkat Lunak. Ok sekarang lihat lagi tulisan di buku catatan anda yang sudah lusuh. Cocokan dengan buku textbook. Sekarang tulis kenangan anda tentang mata kuliah Rekayasa Perangkat Lunak itu. Jangan tulis yang lain, konsentrasi saja ke satu mata kuliah itu. Tulisan apapun asal berhubungan dengan Rekayasa Perangkat Lunak. Satu topik tulisan cukup 4-6 paragraf saja, jangan kepanjangan. Kalau belum puas, buat lagi topik lain, batasi juga 4-6 paragraf. Nulisnya di Write->Post lho ya, jangan lupa.

Kurang bahan? Dulu kayaknya pernah pinjem buku bagus tentang Rekayasa Perangkat Lunak di perpustakaan? Ok, kebetulan dah masuk waktu dhuhur dan makan siang. Jangan lupa mampir dulu untuk sholat dhuhur di masjid samping kos-kosan, dan makan siang di warteg andalan. Ok, genjot sepeda ke kampus, langsung ke perpus. Cari buku kenangan anda tadi. Juga cari banyak berita dan tulisan populer tentang software dan metode pengembangan. Kalau perpus ada internet, balik lagi ke http://wordpress.com anda. Lanjutkan tulisan-tulisan anda.
Ops nggak terasa sampai maghrib di perpus. Sholat, makan malam dan pulang. Ingat-ingat deh dulu kayaknya pernah ngerjain Tugas Mandiri berhubungan dengan software? Ok kumpulin file-filenya yuk. Dari mata kuliah apa saja lah, bisa Rekayasa Perangkat Lunak, Dasar Pemrograman, Pemrograman berorientasi Obyek, atau apapun. Kalau ada program yang dulu dibuat juga kumpulin. Dibahas saja program yang pernah dibuat, sekaligus dibagi gratis tuh codenya. Walah bisa jadi satu kategori baru tuh di blog
Sebelum tidur, baca bismillah, dan ucapkan syukur hari ini anda sudah melakukan kegiatan yang sangat baik dan produktif, kegiatan yang bisa membanggakan orang tua, teman, tetangga, dan dosen anda. Dan Insya Allah bisa menjadi bekal kontribusi anda ke republik tercinta ini.
Bangun pagi, nggak usah kebanyakan tidur, anda bukan bayi lagi Sholat shubuh dan lanjutkan petualangan hidup anda.
Sebelum masuk kuliah baca-baca buku dulu deh, hari ini pak dosen mau ngajari apa, siapa tahu bisa jadi bahan tulisan. Kalau ada waktu pagi bikin resume atau rangkuman bab yang pak dosen akan ajar. Insya Allah saya jamin anda akan masuk ke kelas dengan suasana yang berbeda. Anda tidak lagi tidur. Horeeee! Lho kok bisa, ya soalnya anda jadi pingin konfirmasi ke pak dosen, yang anda pahami dari rangkuman tadi bener nggak. Dan anda akan nyimak karena anda berharap bisa jadi bahan tulisan. Ada kemungkinan anda akan lebih pinter dari pak dosen, karena kadang saking sibuknya ngerjain proyek, pak dosen kadang lupa belajar … hihihi. Kalau ada pertanyaan yang nggak bisa dijawab pak dosen, anda angkat tangan saja, bilang bahwa pernah mengupas tuntas masalah itu, sebutkan URL blog anda. Bantu dosen anda jawablah, siapa tahu malah nanti diminta bantu dosen ngerjain proyek atau malah jadi asisten dosen. Cuman jangan galak-galak sama adik kelas yah, jaman dosen bangga karena nggak ngelulusin mahasiswa sudah kuno. Yang trend sekarang dosen gaul, kayak si broer sang dosen flamboyan (ngajar di semua kampus di jakarta bo) dan mbah IMW dari gundar
Lanjutkan perdjoeangan. Mudah-mudahan semester ini tumpukan nilai A anda semakin banyak. Dan Insya Allah saya jamin, anda tidak akan kesulitan ngerjain skripsi atau TA di semester akhir. Kok bisa? Ya, anda sudah terbiasa banyak baca dan nulis, ini modal penting bikin skripsi. Logikanya kalau anda banyak nulis, pasti banyak baca tho Jangan lupa untuk submit artikel-artikel anda di IlmuKomputer.Com, prosedurnya ada di sini nih. Ini penting karena kabarnya numpang nampang di IlmuKomputer.Com bisa bawa hoki, bisa dapat jodoh, pekerjaan, project atau ketularan gemuk dari foundernya. Yang pasti bisa bantu ningkatin traffic blog anda
Kalau kebiasaan 1-12 anda lakukan sampai anda lulus, Insya Allah anda tidak akan kesulitan mencari pekerjaan. Justru pekerjaan yang akan mencari anda. Tulisan-tulisan anda di blog sudah di-indeks oleh banyak mesin mencari. Bahkan mungkin kalau orang googling dengan keyword “Rekayasa Perangkat Lunak Indonesia“, yang muncul nomor satu adalah blog anda. Anda nggak perlu bawa CV ke mana-mana karena anda sudah tulis di blog anda. Tentu anda akan semakin surprise kalau ada penerbit yang nawarin membukukan tulisan-tulisan Rekayasa Perangkat Lunak yang anda telateni selama ini. Kesempatan jadi dosen bukan mimpi lagi, lha wong yang nulis bukunya anda je. Wajar tho sekalian ngajar ;) Malah anda mungkin sudah ditokohkan oleh masyarakat Indonesia di bidang Rekayasa Perangkat Lunak? Amiiin. Cuman jangan sombong, sombong itu temannya setan
Akhirnya, alhamdulillah anda telah sukses melewati kehidupan mahasiswa anda dengan baik. Bukan karena siapa-siapa, tapi karena perdjoeangan anda sendiri, karena tangan anda sendiri, dan tentu saja pertolongan dari yang DIATAS. Jangan lupa, tetap lanjutkan perdjoeangan di kehidupan baru. by Romi Satria Wahono

Union and Stringy of Food - To Lower The Blood Sugar

2008-12-13T16:18:00.000-08:00

Diabetes Mellitus (DM), which is often referred to the public "diabetes", a number of disturbances that have characteristics typical of the main high sugar in the blood. Diabetes means "continue" because it always has a drink and a great number, and then continue the form of urine alias urine. Meanwhile Mellitus means "sweet", as has a urine containing glucose alias blood sugar that taste sweet.

TO basically, DM is caused by the hormone insulin that people with inadequate or ineffective, so can not work normally. Even in normal people, insulin has a major role in managing blood sugar; approximately 60-120 mg / dl in the fasting state, and below 140 mg / dl in the two hours after eating.

There are two categories of the most common choices, namely, diabetes type 1 and type 2 diabetes. Diabetes type 1, the DM diidap by 5-10 percent of people, usually occurs in children or young adults. Meanwhile, type 2 diabetes, the DM diidap by 90-95 percent of all diabetics, increased in number, especially in minority populations.

Diabetes is found in all population groups and age, but the increase in the number of elderly people in groups (elderly) and those with black, Hispanic, Native American, and Asian people.

The Congressionally-Established Diabetes Research Working Group (1999) reported that although the death because the diseases of cancer, stroke, cardiovascular and tended to decrease since 1988, because the death rate of diabetes increased about 30 percent. Life expectancy of those who suffer from diabetes on average 15 years shorter than those who do not suffer.

In Indonesia, especially in the city, diabetes and diseases that are classified prominent at this time.

Research Waspadji 1982 find, there are 1.7 percent of the diabetics in Jakarta, and in 1992 climbed to 5.7 percent. Epidemiological research in Depok 2001-cooperation Perkeni (People Endokrinolog Indonesia) and the Ministry of Health, the number of diabetics get 6.2 percent. (Kompas, November 5, 2001). Most cases of diabetes found in Indonesia in which Pietersburg reached 6.1 percent. (Kompas, May 29, 2002).

Based on the WHO notes in 1998, the number of diabetics in Indonesia to rank the most-6 in the world after India, China, Russia, Japan and Brazil. Number of diabetics in Indonesia is predicted to increase to 12 million in the year 2025. 250 percent increase from the 5 million people in 1995 was due to the increasing elderly population and changes in patterns of life, from the type of food consumed up to the decreasing physical activity.

Over the centuries, more than 400 plants successfully identified as a "medicine" of diabetes. In Europe, Asia and the Middle East, red onion and raw food has long been used as the favorite choice for controlling blood sugar. In Puerto Rico, Cuba, and Santo Domingo, untouchable has been used widely as the "medicine" to traditional diabetes.

Studies to date prove that the consumption of foods high fiber, particularly soluble fiber, can improve control of blood sugar in type 2 diabetics. Studies conducted by the board Manisha Chandalia and colleagues, colleagues from the disease in the Science and Human Nutrition Center, University of Texas Southwestern Medical Center, Dallas, the United States.

Tolbutamide properties in the onion

Garlic has long been the place decorous occupiers in medicine as "medicine" of diabetes. Modern research shows, red onion has "strength" lower blood sugar, owned and charged at the rate found in food.

The researchers who conducted the Indian onion, either in the form of juice and onion "round" alias is still intact, as much as 25-200 grams on the subject of ditelitinya, get that more and more onion is given, larger decreases the blood sugar. There is no difference between raw onion and red onion that has been boiled.

According to the theory of the research team, onion affect sugar metabolism in the liver, or the release of insulin metabolism, and / or prevent the destruction of insulin. "Agent" that may have the ability hipoglikemia, lowering blood sugar, it is active allyl propyl disulfide and allicin. Experiments and clinical evidence suggests that allyl propyl disulfide lower blood sugar by improving the "lifetime" (lifespan) insulin.

Actually, it is the scientists since 1923, scientists detected the existence of depressor blood sugar in the onion, and in the 1960s, researchers successfully isolate antidiabetes compound from the onion that work similar to the general antidiabetes pharmaceutical drugs, known as tolbutamide, which is often used to reduce blood sugar. Tolbutamide way of working is to stimulate the synthesis and insulin production. In the rabbit experiment, red onion extract showed, 77 percent effective with the same standard doses tolbutamide.

The results of other studies show, have the effect of onion lower blood sugar and fat. Therefore, it is recommended to add onion to the food in each meal. Garlic can be used after the number of free meals.

Soluble fiber in the natural food

High blood sugar is a major problem in diabetes. Research proves that the fibers have a strong effect on blood sugar control.

In a study conducted by Chandalia et al, 13 people with type 2 diabetes are required to follow the two types of diets, each for six weeks. The first diet is a diet that contains fiber in the number of moderate (24 g total fiber; 8 g fiber and 16 g soluble fiber is not soluble), as recommended American Diabetes Association. Meanwhile, diet is the second high-fiber diet (50 g total fiber; each 25 g fiber and soluble fiber is not soluble), which contains the natural order of food laden fiber.

Both diets, prepared in the kitchen research, contain vitamin macro and the same energy (see Table). Chandalia et al then compare the effects of these two dietary control of blood sugar and blood fat rate.

The result? People-diabetics who consume 50 g total fiber-to-day with 7 to 8 portions of fruits and vegetables, alias dietary fiber has a high blood sugar lower and more stable than people-diabetics who consume moderate dietary fiber. High-fiber diet also lower total blood cholesterol rate of around 7 percent.

How precisely the mechanism of high-fiber foods can improve blood sugar control, not yet clear. However, it is alleged to be caused by a type of soluble fiber and pectin looks that can slow the drain side, and even slow down the absorption of sugar or blood.

Chandalia et al study also shows that the Feed (Intake) of high soluble fiber may be achieved strictly with natural food pregnant fiber. High-fiber diet and little side effects can be accepted by the people. Therefore, to increase the consumption seratnya, the diabetics are encouraged to consume natural food laden fibers compared with preparation or fiber supplements.

Food-laden food fiber used to a diet high in fiber research Chandalia and friends is a fruit dish koktail, fresh oranges, fresh pineapple, fresh papaya, peach fruit (PEACH), fresh, cherry fruit, fresh tomato, corn, zucchini, green beans, whole-Wheat bread, and havermout (oatmeal and oat layout copy cat). Fruit, especially oranges and pineapple, green beans, and havermout is a source of soluble fiber on.

Pure Coconut Oil For Drugs Diabetes

2008-12-13T16:16:00.000-08:00

Diabetes Mellitus in Indonesia known by the name of diabetes. Diabetes is glikosuria (glucose in urine) caused menumpuknya Because glucose in the blood that is issued with urine. In this condition, the production of insulin or enzymes decreased metabolism so disturbed. This causes the glucose can not enter into cells so that blood glucose concentrations increased. Dump glucose can not be used to generate energy and finally discarded with the urine.

Insulin function change glucose into energy for cells denagn way darh transfer glucose in the cells that need. Glucose in the blood can not be directly used as energy, should be transferred first to the cells melaluiproses oxidation in cells. In addition, insulin also change glucose into energy reserves (glikogen and fat). If the drawing of blood glucose, will be changed to glikogen and stored in the liver and muscles. While the fat stored in adipose network, to menormalkan rate of blood glucose.

Content MCFA (medium chain fatty acid) in the VCO, is able to stimulate the production of insulin, the hormone of zt sugar into the cells. In addition, the VCO can also penetrate the wall without intestinal enzymes that help cells able to produce energy more quickly.

Black tea, reducer Heart Disease, Cancer and Diabetes

2008-12-13T16:15:00.001-08:00

Coronary heart disease, stroke, diabetes, high blood and liver cancer now is still the number one killer disease in Indonesia. Later, the disease not only attacks the elderly people because of factors degeneratif but productive age.

Indonesia also known as a country with a person with diabetes terbnyak number four in the world. Age of diabetics is more down to the stretch with 25-45 years of age. Meanwhile, ten years ago diabetic patients on average those aged 50 years to level.
One of the causes of the emergence of the disease is the accumulation of free radicals or oxidants. Free radicals can destroy the system and network integrity DNA in our bodies. This condition is menstimulus accelerated aging process, and cause holocaust Lever board on other diseases such as heart disease and cancer.

After the progress of the industry, and increasingly high chance the disease, people switch to a preventive treatment, in the form of a drink from natural material. One is to consume beverages that contain natural substances that can reduce free radicals such as black tea or black tea.

Properties of black tea expressed Teachers of Food and Nutrition Bogor Institute of Agriculture (IPB), Prof. Dr. Ali Khomsan MS and health experts from the heart. Mohammad Taufik Spj. "It is true that black tea or black tea has benefits such as lower risk of cancer, prevent coronary heart, prevent aging and may also reduce the rate of cholesterol in the blood," said Dr Ali Khomsan MS.

Ali Khomsan further explain, from a variety of reference, it is known that black tea is consumed during this our community, many components of the compound is good for the body. Is the main antioxidant and Theaflavin high enough. Compound that has the effect can reduce the risk of diseases such as cancer and prevent coronary heart.

"Black tea or black tea made from tea leaves of fresh shoots left before the fade was, and then heated and dried. Tea is also called black tea fermentation, "he said.

One health expert from the heart of the City of Rain Bogor, Dr. Mohammad Taufik H. Sp.J supports the opinion of Prof. Dr. Ali Khomsan that black tea useful to reduce coronary heart disease, cancer, diabetes and stroke.

Unfortunately, according to Taufik, the benefits contained in the drink black tea has not been known by many people. This is due to the lack of socialization and publication of various studies about the benefits of black tea for health. B

National Heart Center Heart Hospital Harapan Kita Jakarta (RSJHK) also explained the results of research in a talkshow with the theme "The Effects of Black Tea Prevents contracts and coronary heart disease risk" that was held in the Aula RSJHK Jakarta, some time ago.

According to the results of such research, Katekin-substances that can be called against the disease degeneratif-form appeared Theaflavin compound. This is an antioxidant compound, antikanker, antimutagenik, anti antidiabetes and other diseases. Theaflavin compound in the number of black tea significantly.

The antioxidant is expressed as a simple compound that is able to impede or prevent oxidation. Based on the source, anti-oxidants can be divided into natural and synthetic antioxidants. Theaflavin is a natural antioxidant potential.

Ability as a catcher is not free radical decisions can be more tempered. Theaflavin antioxidant ability as it is not enough to there. As the antioxidant activity in the hamper LDL oxidation (Low Density Lippoprotein) appeared to indicate that incredible.

In seduhan black tea, Theaflavin give yellowish color red, while the Thearubigin and Theanapthoquinone each color of red and yellow slab browned. To this taste, with caffeine, Theaflavin in the black tea to give fresh taste.

Research in the Netherlands concluded that the habit of drinking black tea or black tea can prevent cholesterol in the blood arteries, particularly in women. Drinking black tea for one to two cups able to push cholesterol to 46%, and if you drink four cups can reach 69%.

This is supported by the results of research in the United States shows that heart attacks decreased 40% of the people who make drinking black tea. Black tea also showed a convincing ability as a natural source of food for diabetics, especially in the capacity to increase insulin activity.

Research conducted by the Ministry of Agriculture, United States, which has been published in the Journal Agric Food Chem 2002, shows the ability of black tea to increase the activity of insulin beyond green tea and oolong tea.

According to Mohammad Taufik, usually, health experts will publish the results of research, after some time doing research. When the results of research show the same results, new research is published. However, when the new one-time research, the results would not be published.

"If the new research is that we do not we may publish. Usually, research has been published is that research has repeatedly, "said the doctor sepesialis heart of this.

Based on the processing, tea is classified into three types of black tea (or fermentation oksimatis, ensimatis oxidation from succinctness), oolong tea and green tea. Logical consequence of the differences in the process, causing the product tea inception difference either physical or chemical.

In chemicals, the most prominent difference is the difference in the content of the composition of compound Polyfenol. In the processing of black tea and oolong tea, some Katekin changed to Theaflavin, Thearubigin, and Theanaphtoquinone. Although not sepopuler grandmother moyangnya (Katekin), Theaflavin have learned a lot by some researchers.

Tuesday Research Association, expectancy for people Diabetes

2008-12-13T16:15:00.000-08:00

Every morning when I arrived in the workplace, women will examine the 960 cell parent embrionik in laboratory rats. After seven years, Lim Sai Kiang can finally see the results of research, the parent cells can effectively treat diabetes.

Lim, researchers from the Institute of Medical Biology Institute of Science, Technology and Research and partner, Associate Professor Li Guodong, have sought to isolate and develop cells that can produce pure insulin.

By do so, the researchers have created a slap in the control of blood sugar levels, in which diabetics can not afford their own because mencukupinya can not produce enough insulin to break sugar. Both believe that their research with mice can be applied to human cells pemroduksi to get the same pure insulin. The same optimism expressed by a professor from Harvard Medical School, which send a greeting to keep Lim.

"The working group of researchers is impressive. We need something to be placed on the body to treat patients with diabetes their condition, and this discovery gives us interesting things about the development of beta cells (which make insulin and issued), "said Professor Gordon Weir, Director of Clinical Islet Transplantation Program, which also holds approval at the Harvard Stem Cell Institute and the Joslin Diabetes Center in the United States (U.S.).

In their experiments, Lim and Li cells pemroduksi inject insulin to diabetic rats suffering and find that, in, from the level of blood sugar levels in the rat is back to normal. Tuesday is also able to survive until about three months. When a cell is taken, mouse blood sugar level back to the original.

Until now, research techniques that have not been able to create cells in the amount of insulin pemroduksi unlimited. Or cells that produced it is associated with tumors in rats called teratoma, which make use of the treatment is not suitable.

However, the Singapore team has been able to skim the hurdle with the master cells that have the same structure subseluler such as the beta cells are naturally found in the pancreas in the human digestive system.

"Maybe once mereplikasi modify the results of this technique in humans to help patients with diabetes, because many rats have the same characteristics with humans," said Lim.

One method that may be applied in medical treatment is to instill capsule full of cells that produce insulin under the skin, to control their development, and maintaining their immune cells attacked by the body.

"Now, patients with diabetes must inject insulin to last a lifetime and it is very painful for them, especially for those suffering from diabetes since a young age," says Li

Prevent "Metamorfosis" Gestational Diabetes Type 2 Diabetes become

2008-12-13T16:14:00.001-08:00

Gestational diabetes is the type of diabetes that only occurs during pregnancy. Most women who experienced it continues to be type 2 diabetes.

To reduce the risk of type 2 diabetes into the middle of pregnant women and gestational diabetes disaranakan to melakuakan penyeseuaian lifestyle.

There are a few tips recommended by the American Diabetes Association, namely:

* Control your weight. The risk of type 2 diabetes increases if you weight 20% more than the ideal number.
* Fixed follow the pattern of eating low-fat meals and a word in small portions.
* Consumption of more vegetables and fresh fruit.
* Fixed do regular sports program to help the body burn more glucose without additional insulin.

Plants use the Magic 10 The Blood Sugar

2008-12-13T16:14:00.000-08:00

You people Diabetes? If your blood sugar problematic, harmless to try 10 of the following materials to help reduce blood sugar, increase insulin sensitivity, lower blood pressure and high cholesterol, and some other benefits.

1. Gymnema Sylvestre
The main function of reducing blood sugar
General dose: 200 - 250 milligram per day
Gymnema SylvestreNama Hindi this means the plants' sugar crusher ', and the plant is said to have the ability to reduce the ability to detect sweetness. This plant is considered as the most robust plants to control blood sugar. Most likely, the way it works is by increasing the activity of enzyme that helps the body's cells to use glucose, or by stimulating the production of insulin. Although there has been no intensive research, but have not found any serious side effects to the use of this plant.

2. Pare
The main function of reducing blood sugar
General dose: 50 - 100 mililiter (3-6 tbsp) of juice per day
The bitter Pare was able to help cells use glucose more effectively muffled and sugar absorption in the intestine. The researchers examined consumption of the Philippines to pare men and women in the form of capsule for 3 months found a decline in blood sugar, although small, but constant. Problems that arise are the problems of digestion, but it is not clear what.

3. Magnesium
The main function of reducing blood sugar
General dose: 250 - 350 milligram per day
Lack of magnesium is not rarely found as one of the causes of diabetes, even aggravate the symptoms of this condition resistansi blood sugar and insulin. Some research shows that magnesium supplements can improve insulin function and lower blood sugar. Try to consult with your doctor before use insulin.

4. Prickly Pear Cactus (cactus fruit Meat)
The main function of reducing blood sugar
Dose of common: if consumed as food, 150 grams of boiling cactus per day.

Ripe fruit from the cactus is able to lower blood sugar in the body. The form can be found is in the form of fruit, or juice, or powder. The researchers found that the fruit is lower blood sugar because of a component similar to insulin. Fruit is also a high rate of seratnya.

5. Gamma-Linolenic Acid (acid Linoleat Gamma)
The main functions: Reduce neuropathy
General dose: 270 to 540 milligrams once per day
Gamma Linoleat acid, or GLA is a fatty acid found in evening primrose oil interest. Some research shows that diabetics are people who have a low level of GLA in the blood, and research shows that these supplements can reduce, and even prevent the nerve pain that appears due to diabetes

6. Chromium (Krom)
The main function of reducing sugar
General dose: 200 mikrogram per day.

This mineral is considered able to improve the performance of insulin and is also involved in carbohydrate metabolism, fat and protein. Some penelituan indicates that the mineral helps lower blood sugar, but only for those who lack the krom.

7. Bilberry
The main function: Protecting the eyes and nervous
Dose of common: 80-120 milligram standard billberry extract per day.
Blueberry brother has a strong antioxidant in fruits and leaves. Antioxidant named antosianidin this, to help prevent damage to small blood cells that can damage the nerves and eyes Retina. Research on animals shows a decline in blood sugar is also due to the consumption of fruits

8. Alpha-Lipoic Acid (Acid Alpha Lopoic)
The main functions: Reduce the pain nervous, and lower blood sugar
General dose: 600-800 milligram per day.

Shortened first time, the material that is similar vitamins neutralize various free radicals. The formation of free radicals is one of the factors that increase blood sugar, can create nerve damage and various other problems. First time been able to help the muscle cells to absorb blood sugar. In one study in Germany, a group of researchers memerika 40 adults consume the first time and placebo. At the end of the study for 4 weeks, found that the first time improve insulin sensitivity as much as 27 percent.

9. Fenugreek
The main function of reducing blood sugar
General dose: 5 to 30 grams setuap eat, or 15 to 90 grams per day.
Seeds used as seasoning Indian cuisine is able to lower blood pressure, improving insulin sensitivity, and lower cholesterol, according to some research. This effect may arise because of the high rate of fiber. Want Bijinya contain amino acids that increase the production of insulin. In one study of fenugreek, 60 people consume 25 gr flavor of this increase shows that good control of blood sugar.

10. Ginseng
The main function of reducing blood sugar
General dose: 1-3 grams per day in the form of capsule or tablet, 3-5 mililiter in the form of a tincture 3kali day.
Known as the ability to stimulate the immune system, ginseng has some positive results on diabetes. The researchers found that ginseng slows the absorption of carbohydrates, improve the ability cell to absorb glucose, and increase the release of insulin from the pancreas. Was also found in Toronto in a study that ginseng is able to reduce the sugar content to 15-20 percent.

Harmless natural supplements you try it, but there is a good idea to consult your doctor before mengonsumsinya. If no changes after one or two months, stop and do not dispose of-interest money you again. Keep healthy!

The New Diabetes Medicines

2008-12-13T16:13:00.000-08:00

New hope has emerged for the diabetics (diabetesi) in Indonesia, especially those that have not yet undergone treatment but also indicates that improvement siginifikan.
Now, the present generation of new drugs berzat active Vildagliptin, which have claimed advantages compared to previous generations or groups.
Galvius

Picture: Galvus (vildagliptin) oral drug that is consumed once a day for people with type 2 diabetes. Vildagliptin works by increasing the number of two hormones inkretin found in the body called glucagon-like peptide-1 (GLP-1) and glucose-dependent insulinotropic peptide (GIP).

Chairman of Indonesian People Endokrinologi (PERKENI), Dr. Pradana Soewondo Sp.PD-KEMD, stated, Vildagliptin is an oral diabetes drug that uses a new approach.

"During this, just consider the diabetes treatment insulin (a hormone reduce the rate of blood glucose) only, while glukagonnya (which increase the rate of blood glucose) has not been touched," said Soewondo in the Media Management Diabetes Education in Jakarta, Thursday (16/10).

Vildagliptin Enzyme inhibitor proteins act as a Dipeptidyl Peptidase-4 (DPP-4 DOT) that poten, selective and reversibel. In simple, this drug works by improving the function of pancreas beta cells (the cells that produce insulin) and alpha pankeras cells (which produce glukagon) and improve insulin sensitivity.

Inkretin
According to Soewondo, other than lack of insulin, diabetesi also inkretin hormone deficiency, a kind of hormone that disekresi channel intestine when food in, manage and control the functioning of blood glucose. Inkretin also play a role in improving the balance between function and insulin glukagon.

Lack inkretin caused by the presence of protein DPP-4, which split the work inkretin. Nonetheless, the lack of hormones inkretin this can disrupt the balance between glukagon and insulin.

"With the presence of Enzyme inhibitor (barrier) DPP-4, the balance will be achieved so that the function of pancreas organs will be increased," said Soewondo.

Vildagliptin, continued, also menghasikan effects farmakologik improve the function of beta cells that become damaged and the only one that works against the alpha cells. The results of clinical trials indicate, patients who received vildagliptin 50mg tablet a day, betanya cells more sensitive to glucose than not.

"In other words, Valdigliptin improve pancreas function, namely to improve the sensitivity glukagon secretion of glucose and improve insulin sensitivity secretion of glucose," he said.

Vildagliptin will be marketed PT Dexa Medica effective starting in October 2008. The medicine is actually found by Novartis, a pharmaceutical company headquartered in Switzerland, but in this drug will be marketed by Dexa Medica.

"Novartis and Dexa Medica sharing Competency to make their drugs to consumers in Indonesia. Socialization and introduction to the doctor will soon be conducted this weekend in 6 large cities, "said Head of Marketing and Sales Synergy Dexa Medica, Dorothy Mary Dharma.

Diabetes Happy Ending

2008-12-13T16:12:00.001-08:00

bungur An ulcer in the wrist signal the arrival of a deadly disease. First hand Metallica Asiyah itching, and sores that appear never recover. At the same time, he quickly tired. 'The more I eat and drink, We can quickly tired?' He said. Ringleader of all health disorder is high blood sugar: 650 mg / dl. The rate for normal fasting blood sugar, 126 mg / dl and 2 hours after meals, 200 mg / dl.

Metallica shocked Asiyah not know her blood sugar levels rebound. However, he finally realized: the fruit of this habitat. Understandably, he included people who avidly consume sweet food berkarbohidrat high, 'If I meetings or seminars, a snack I eat all the sweet,' said the woman 57 years old. Unfortunately, alumni of the University of Indonesia is not practical because kesibukannya sport.

Metallica lifestyle Asiyah Nasir exactly Heni in Jember, East Java, who regularly consume bergelas-sweet glass of tea every day. Men 50 years of the original feel tired. 'As I have muscles,' he said. In addition, he berkunang worm, itching entire body, and a staggering gait. Disturbances occurred in 3 months. Diminished living body weights 50 kg from 75 kg previously. Laboratory results showed his blood sugar 450 mg / dl.
The pattern of life

According to Dr. Christopher Wibudi of SpPD, disease specialists Gatot Soebroto Hospital in Jakarta, the main diabetes Mellitus is a pattern of life that bad. Mean rarely do physical activity and consume a lot of sweet and oily food. Sweet foods increase blood sugar. Oily food? Gorengan that fat laden trigger increased body weight. With the increase in weight, the body less sensitive to the effects of insulin, so blood sugar to rise. "

About eating patterns, Christopher suggests, 'Pay attention to the amount of food, not excessive, avoid oily food, and konsum Silah fresh fruit and vegetables, and avoid eating anything at least 3 hours before sleep,' he said. Exhortation is not like the lifestyle and Metallica Asiyah Nasir. That's why they eventually develop diabetes Mellitus positive.

According to Christopher Wibudi many people do not realize that they actually develop diabetes. Initially diabetes did not cause pain and complaints. People often only hunger, thirst, and frequent urination. 'In the night, the rest can be 3-5 times urination. When such symptoms appear, you should check the blood sugar to the doctor, 'said Christopher.
Herbal therapy

Since sentenced suffering diabetes Mellitus, Asiyah consume antidiabetes medicines such as glibenclamide, amaryl, and lactibet. During this it's a treatment of diabetes, by giving oral medicines antidiabetik (OAD), or insulin injections. Year duration, the mother of one child that doctors use drugs. However, the blood sugar down as reluctant, perch on the number 500-an-mg/dl.

Suggestions Prof. Dr. Edi G Amir, a professor of Bogor Institute of Agriculture, for use by boiling the skin stem bungur dituruti. In September 2005 Asiyah routine mengasup capsule bungur skin extract 3 times a day each 3 tablets before eating. He mengkombinasikannya The capsule leaves and spoon mimba. Leaf and the spoon antidiabetes drugs mimba to reduce itching.

Meanwhile, Nasir Heni suggestions on Eko Jinem Hartuti, herbalis in Jember, East Java, consume 3 capsule bungur leaf extract every day. In addition, he also consume the leaf extract Sambiloto, pegagan leaves, tubers and garlic. According to Eko, bungur leaves and garlic have a role to improve the performance of pancreas, the organ that produces insulin. Sambiloto to overcome the itching.

Two weeks after consumption bungur Asiyah start to feel comfortable. Blood sugar slowly declined to 511 mg / dl. Even 2 months after mengkon sumsi, blood sugar numbers down to 200 mg / dl. At the same time, itching, thirsty, and often berurin gradually reduced. Until now, Metallica Asiyah still regularly consume bungur capsule. 'Finally I check to the doctor on February 18 2008, my blood sugar 181 mg / dl,' he said. Similarly Nasir Heni, the blood sugar to 200 mg / dl after 2 weeks to consume the leaf extract bungur.
Proven

According to dr Dalimartha Setiawan, a doctor and herbalis in West Jakarta, empirically bungur effective control of diabetes. A person with diabetes Mellitus can poach bungur leaves 8 fresh in 3 cups water to boil and the remaining glass. After the cold filtered, and while drinking in the morning.

Bungur effectively overcome diabetes Mellitus? That research Putu Pramitasari, from the Faculty of Pharmacy University of Surabaya. He gave Doofus leaves bungur concentrate 10% and 20% with the measure 5 ml / kg body weight in the rabbit. The result, sugar animal experiments it down.

Dr Yamazaki, farmakolog Hiroshima University School of Medicine Japan, learn the effects korosolik acid, the active compound in the leaves bungur that function as insulin. The results of research shows korosolik activating the process of transfer of blood glucose into the cells so that the rate of glucose and blood glucose cumulation does not occur in the blood.

Proof savor bungur Lagerstroemia speciosa also conducted by Dr. William V. Judy from the Institute for Biomedical Research, Florida, the United States. He korosolik test the effectiveness in lowering blood sugar. In the test that it involves 12 type II diabetics aged above 46 years old. Fasting blood sugar they are above 150 mg / dl. They were divided 2 groups. The first group were given korosolik berdosis capsule 16 mg, 32 mg and 48 mg per day for 2 weeks. The second group korosolik given in the form of dry powder berdosis 16 mg, 32 mg and 48 mg per day for 2 weeks.

After 14 days of treatment, the rate of blood glucose measured. The results of blood sugar groups that were given 16 mg capsule down 4.9%; dose of 32 mg (10.7%); and 48 mg dose (31.9%). While the rate of

blood sugar groups that were given 16 mg of powder berdosis down 3.18%; dose of 32 mg (6.5%); and 48 mg dose (20.2%). Research reinforces the family members of the Lythraceae tokcer overcome, such as diabetes Mellitus experienced Siti Nasir Asiyah and Heni.

Diabetes Happy Ending

2008-12-13T16:12:00.000-08:00

Cyber Marketing Tips for Success

2008-12-12T16:32:00.001-08:00

Success in business and online campaign is not a matter of tic-tebakkan or ucing-ucingan or snap count. But this involves strategy and tactics. Therefore, this section will be displayed many things to you about strategies and tactics that should be implemented into your online strategy.

Whether visitors web site (web site), which came intend to buy, learn something, or to download or whatever, any web site visitors have the potential to become your customers. Therefore, your goal is to make them remember and continue to come to the web site (web site) you many times. To achieve this, your website must have a customer-centric nature.

Customer-centric - WHAT MEAN?

Customer-centric "is a means to create Web sites based on the desires and needs of the visitors. The businessman who has successfully reap money from the virtual world to realize that their web sites should show the benefits for visitors and ensure that the visitors will get a unique experience, other from the other, and it is a key supporter sales, loyalty, and advertisers can be effective and both of their mouths.

With pro-active analyze the needs, wants, and the benefits that can be given to them, so that you can give a more in the content, bidding on your web site.

The following tips are to achieve success in the Cyber Marketing (e-marketing):

Tip # 1
Make sure that your corporate web site states unscramble BENEFIT and can be obtained by your web visitors and implied through the contents, products or services you.

Tip # 2
Give information about the complete and accurate address, email and phone to your web visitors.

Tip # 3
Kemaslah the content of your web site with regular and easy to navigate. Not all visitors understand the term you or technical terms that you know, or other terms, considering the naming of most web sites created by the IT seems so technical and eerie impression and not a human being.

Tip # 4
Correct again writing your web site until there is not a mistake in grammar or spelling and sentences that are difficult to understand and homonym spelled incorrectly.

Tip # 5
Make the writing on the Web in your interest not to make people bored quickly and do not want to read the whole or majority. Remember, this is more serious writing again if sales do not exist in your website or writing your sales do not move people to react.
Cyber branding through Cyber Marketing

Tip # 6
Give it easy for them to be able to contact and provide feedback on products, services, your business. You must always interested in what is sought by your customers. If you avoid their opinion, it provides the same product and business that they do not like.

Tip # 7
Provide facilities to the target market for you to get what they want. Reduce wherever possible the information you want from your visitors and also reduce the steps they need to do is to get what they want.

Tip # 8
Give it easy for visitors to get answers from the questions they submitted to you.

7 tactical step to success in e-Business

2008-12-12T16:29:00.000-08:00

Most of the paradigm of e-business or e-commerce is affected by dikomandani and concepts from the world of IT, when people are not IT-business people. In addition, the fact that e-business programs from most companies focused ONLY on the side of the technology and business process itself. However, the initiative campaign and marketing e-business, or they do not do very little.
That is why the e-Business make many people in Indonesia, especially the investors feel wary. They think that they have not the time to enter the world e-business, the one that is not the business, but the concept of developing e-Business is wrong. In one case the past that the Internet can not be lagi.Karena, the time has come for those business and marketing strategy to become commander of business on the Internet. And for those IT as a support from the marketers and pebisnis.Karena that, following this, I want to explain the tactical step 7 for e-Business success

. Step 1 # FOCUS

Most of the expansion of business to the Internet, does not focus on the products they sell. They sell anything in a web site mereka.Padahal in the business world, a group product category must be coordinated by a product manager, and if there are several categories of products, the product of several managers must supervise each product category tersebut.Sedangkan in the case of e - business, tens or hundreds of product managers do not have a product that mengawasinya. And only submitted to the IT people it saja.Jadi I mean, in this case is that the products sold on the Internet must also be part of the focus of each product manager.

Step 2 # BANNER form TEXT

Based on the results of research, has proven that the level of response from a "click" more instance comes from "the form of banner text" is not from "the form of banner image." Most people still do not know the ini.Konsep "banner is an image" is only a concept derived from those web designers to bring the value of art, not to encourage emotional effects from the sales because "the sales letter," because 90% of sales results from the "sales letter" is not the result of "entertainment" such as through "banner image." Honestly, and that the response obtained from "the form of banner text" FAR higher than the "form of a banner image." Therefore, use the "banner of text form" that the article be put in a sentence or group can be, although in form. jpeg. However, an effort that is not obvious that it is a "banner".

Step 3: Create # 2-level Affiliate

In the offline world of business, is that they have a common resellers or suppliers and dealers selling products that help business and then they give you "margin" or "commission" to mereka.Nah, in the online world, e-business, which also must be successful create a marketing distribution programs like this. And this is referred to as the Affiliate Program (affiliates). With the Internet technology, you will be able to build a 2-level affiliate, the major distributors and sales agents selling both. Distributor / Dealer Main get bigger commissions, for example, 20% and suppliers who take goods from the Primary Dealer 5 or get a commission of 10%. In the e-Business, enabling you have many, and many Main Dealer Dealer / Supplier, which are both below. Because in the world of e-Business, the concept of affiliate 2 level is the most desirable. Therefore, our seminar date is 30 October 2002, will be investigated about the business of marketing affiliate with the title "Building Online Sales Force 2003"

Step 4 # Take advantage of Strength Email

Email is the first activity the most widely used on the Internet, the second is the search site. Therefore take advantage of the power of marketing that can be done by email.Maksud is marketing through email on the basis of approval (permissions), not spamming.Ingat, most sales occur after some time in a follow-up, not from the instant results because of their first visit to the site your web

. Step 5 # Writing Articles

Note that most sales are the result of education or socialization process, so do not think you can sell your lazy when mengedukasi to write a business / product Anda.Jadi e-Business, if you want to succeed, the PR team you must mengedukasi prospective buyers through the writings informative.

Step 6 # Make eMarketing

75% of the marketing team you must be centered on marketing strategy to combine the offline and online.Karena most of the errors in e-Business is they devote too much time in the business process and technology, this is not one, and this should be done by IT people, but the marketing team at your company must also know the techniques of marketing online (eMarketing) not only offline.

Step 7 # Instant Communication

Most of the failures in e-Business is the question of trust and communication. Spirituality can be improved if communication between producers and consumers held instant, fast and tertunda.Anda not see that many people so long to get their message answer questions from their lontarkan. You have to Simulate speed in answering the email I have specific conversations as normal communication, namely through a system of multiple follow-up Autoresponder.

HOW Building BACKLINK

2008-12-12T16:28:00.000-08:00

Looking for backlink for most webmasters and bloggers is a compulsory menu daily to visitors and increase the PageRank. Although the blog blog learner-PR 0, such as my blog now can still ranks first blog search engine, but with the number of backlink many have a tendency has the number of visitors even more blogs are only ranked lower in the same keywords, it's because the blog gain additional traffic from the links that have been assigned. Backlink blog with a natural candidate also awarded more than a search engine so that the possibility blog page appears in the first search result is greater.

Below I want to share tips on how to get the link with the events so good hunting link that you can more effectively bring visitors. If the search tips similar to many already discussed by the right as the master and I was less capacity to write articles in this field but itung a itung-documentation so that if I want to find this information, I can be without the bother searching the bag leader Google.

We start from the characteristics of both Inbound links:

using the anchor text keyword form different.
anchor text is used for the text to place a link, such as google link above. In the anchor text should use the appropriate text with your blog, much as possible to use keywords that you lead. Search engines are not the same anchor text for the same url, use the anchor text that varies. Example: in addition to hosting free, we can use the free webhost, hosting without pay and so on.
get links from sites learner PR different carriers.
use the url different. For example, do not menggunkan ahins.web.id continue but also provide links to specific articles in your blog, which is still relevant.
Links that are not only derived from the course but also the directory, and type text ads other sites.

Try the links that are created from the increased time kewaktu.

Use as many variations as monoton techniques that will be considered spam by Google. fifth characteristic is the link above characteristics of the links that grow naturally, namely the link is because the site is a quality feel that other sites need to link the site to add a reference or a sense of how it has been providing benefits for the owner of a site. So in making the link to link, which gained the impression sealami although the link may be obtained from the exchange link is also rated by google and friends.

and how to get a good link? Where?

Site visitors who andakalau weblog you speak indonesia then look for links that may come from sites in Indonesia and not from sites in english. Google will appreciate the more links that come from the same language with your blog.
Commenting on the blog dofollow = although the link in the comments, sidebar and footer as the link does not come from a body of writing, but that often accompany both direct visitors to our blog. One of the advantages compared with a blog website is the usual comment is that the facilities enable us to interact with the owner of the blog. So should participate not only to search for backlink but to interact with the owners of blogs and other blog visitors, later from the interaction will be established communities, from the community that you will get many benefits in addition to the link. Commenting on the site berdomain. Edu and. Gov will be international PR value you drastically. How to find it, please read the article bang cosaaranda.com
3 way linkberbeda with recoprocal links, 3 way links seem like one-way link where 3 people give each other link. For example, a blog-me blog links B, B link blog blog blog C and C A blog link, so that the link created one direction.
Create one more way linkbeberapa place that can be used as the field one way link:

* Social bookmarking
* Directory articles
* Forum
*'s Profile, ArtistPromotionsLLC
* Instant link

forming links with the most major and most easily is the quality blog content. Beresinambungan and interesting content with itself will attract more links to your blog.

TIPS CHOOSE BUSINESS NETWORK MARKETING

2008-12-12T16:25:00.000-08:00

Selecting Business Network Marketing gampang2 difficult indeed, many people are initially enthusiastic about running the business MLM, but then stopped in the middle of the road. They will become a successful member a bigot, not a new incursion MLM crossed them, but there's also the many MLM business with the hope that perhaps one of business's suitable objects can lead them toward success. There is also a switch-move from a Network Marketing Business to Business Network Marketing other.

Key of success is your FIXED FOCUS to your business, if there is a system, follow the system and learn from the other member of the success or failure.

So you focus to a Business Network Marketing, so you can maximize your energy with good. If you want to succeed in Network Marketing Business is the things I need your attention:

First, Business Network Marketing you must follow the basic business I have a strong, clear the present systems, between the Company and its Member and have the marketing plan and vision and a clear mission.

Second, the product of the Business Marketing Network, which you must follow the products you need daily, do not buy products that you do not actually need but are forced to buy because you have to chase the target point of closing every month.

Third, not to force the resignation Business Network Marketing incriminating you, where possible, do not disrupt your budget each month. Select Business Network Marketing with a low-point close and affordable.

Hopefully, this useful tips for running your business Network Marketing.

7 Tips fundamental Targeted Traffic

2008-12-12T16:22:00.000-08:00

Affiliate Marketing is known to be one easy way for the Internet blog to start the business. Affiliate marketing program, which is usually well equipped with various tools that facilitate the newcomer such as banners, keywords, and examples of email marketing. Tools-tools such as this very quickly to help generate profit, if our website can be found by the search of information among the millions of websites from all over the world.

What must be considered in addition to a website interesting and informative? Correct ... .. TRAFFIC! If you have successfully improve trafficAnda, you have to live for more success.
The success of targeted traffic to get into the factors that determine the very success of a blog Affiliate. There are 7 secret to bring Targeted Traffic to your website:

1. Search Engine Ranking
Try your website is always on the first page of search engine Google (or at least to the page-2). Why is Google ..? Because Google to control 50% market share for search engines in the world. With a high ranking in Google, prospective buyers will more easily find your website by using keywords that match. With more searchable, it is likely they will buy you through greater and your commission will be increased.

2. Link Exchange
Conducting exchanges with the owner of the website link that will be similar increase targeted traffic to your website. Look for similar website and contact them, call the same work.

Article 3.Tulis
Articles are a way may be the easiest and cheapest to promote your website. Search information to provide the information that add value to them, so they do not shrink from visiting your website to search for additional information. Try to send your articles to Ezines Articles or Go Articles.

4. Joint Venture Marketing
Joint Venture Marketing can be a very effective way to promote your website. Find a similar website and call them for the mutual exchange links or ad exchange. This cooperation will benefit both parties.

5. Affiliate Marketing Program Start your own.
If you have many affiliate with a viable promote your product, you will have more targeted traffic. Sales you will automatically be increased.

6. List Building
Collect the names of the candidates of your customers as much as possible with the use Autoresponder professionals such as Get Response and Aweber.

7. Market Kenalilah you properly.
To be able to have targeted traffic, you must identify your market in detail and comprehensively. If there are visitors, make sure that the product or service you provide added value to them. If you successfully persuade the visitors to further examine the products or services, you have reached at least 50% of your goal.

"5 Ways Cheap market your business"

2008-12-12T16:21:00.001-08:00

Ons to expand your client base and berpromosi about your products and services? Doubt whether you need marketing programs while you do not have a budget of thousands of dollars? The answer, of course, right now. In the financial, and even more dangerous, too, when business is not promoted. Indeed, there are hundreds of ideas sparing costs that you can use to increase revenue. Here we approach the five high-impact marketing that is not expensive and can be used for almost all business.

Truly impressive how much money is spent the businessman to collect market information and attract new clients when they have very many opportunities and information on the existing client base. One of the best ways to increase income is to speak to keep existing customers. Ideally, this is done by people outside your company so that clients willing to behave honestly and openly. When you assess perceptions, you do not need to speak with hundreds of individuals; enough is 5 to choose the ten client and ask for their willingness to participate in a phone interview. Here's how it works:

1. Send a letter requesting them willingness to be interviewed by a third party about your company.

2. Prepare the interviewer to call and ask questions where the value-based, such as the following:

Problems are what you try on or what challenges you face when you use services company ABC?

How important is the service company in ABC problems you solve or overcome the obstacles you going?

What you appreciate most from the performance of this company?

What services or products ² ² that you want them to offer that can help you face challenges that other business going?

3. After all interviews were conducted, rangkum information to find the themes and trends.

4. Send a letter to thank every client who participated. Include important things going from the interviews and explain where specific improvements that you plan for your business based on this information.

It is important here is what I terapkanlah you learn. If you are not going to make improvements on your business, then you already dissipate all the time. One of the new company is going to do this page has been successfully turn-tigakan business in one year - the owner to learn what people want, how they make a difference in the solution, how menyajikannya, how to install the price, and then make changes to keep the page going to improve things.

Key success: Conversations with your customers is just a conversation. Do not ask repeatedly; otherwise, to earn the interviewer involved in the conversation and gather as much valuable data that can be obtained. Remember, this is not about how their content, but about how much they appreciate the services / services or your product.

2. The creative, marketing campaign you kemaslah

Postcards are a way of [regular] to sell the business. However, what if you pack a small box with the fork, knife, spoon and a napkin with the invitation to your prospects for "lunch together ahead?" Think outside the grip, then the marketing campaign you would be more.

And do not be afraid to see what other people in the business and other sesuaikanlah it to your business. Think small details that can not attract attention. I had to do marketing programs for the food industry. Brochures they are packed with vacuum-seal in plastic are used encase the same bacon. Brochures are sent to companies using technology where static protective envelope. This campaign generates 96% of the introduction (capital) when the telephone follow-up done.

Key success: Tetapkanlah clear objectives for your marketing campaigns, and identify how you will measure success. Then tindaklanjuti to measure the results and adjust the program if necessary.

3. Return the message with the publicity

You can not think of doing publicity or public relations (PR) without the services of the company's marketing expensive? You can too! Although the company that holds both the experience and contacts that extraordinary, most small companies can make their own public relations, which is enough to attract public attention. Examples of resources that the media is good for the Shock PR, a public relations company based in Holliston, Massachusetts. Their products, PR in a Box, where the leaflets, tips and instructions step-by-step how to prepare the publication (release) and story excerpts that will not generate media interest.

Key success: Just one word, power bob. Although it can happen, but do not expect that one of the news can only be produced thousands of dollars. Your success depends on the power bob each of the press coverage, each and every article published. Put everything on your website: Create a one-page news and add one area What's New (What's New) in your homepage. Add it to your marketing kit and send it to clients, colleagues focused working and going to professional organizations. Include a note in your periodic report that states' Just keep this occurs in the ... ' And remember: Media more cost-effective and more reliable than the ad.

4. Increase the relationship has been

Most people have at least 200 contacts. Try it calculated: If you know 200 people, and they each know 200 people again, so 40,000 potential contacts! Please take time to build relationships with people that you know, the clients, colleagues focused working, people you meet in the network of professional organizations, where friends and even family. Start by making a list of all the people you know. Next, make your priority list to the groups A, B and C. A barrister is you. This is the very people who support you. They are the "cheerleaders" [the presenter], which will refer business to you immediately. B can be a lawyer if they know more about you, so you have to spend time with these people for their mengedukasi. C is the people who quite often do not communicate with you. You can still maintain relations with them, but they need more time before their relationship and refer business to you. If there is still the name remaining after the ABC was close.

Key success: Educate, do not sell. It is important here is to build relationships. This evolved over time just like you create trust and credibility. To be really effective, waspadalah always focused on ways that can help you network. Start from the perspective of "giving more than you ask," then your network will become a marketing tool that you are very valuable.

5. Teguh on marketing e-mail

Through their e-mail is a flexible, cost-effective, easily measured (provided you on the right track), and high impact. That allows you to easily direct traffic to your Web site, to reach a broad audience geographically and where you live is often just formed a contact with your customers and prospects. Marketing e-mail allow you to sell your services and memapankan your expertise with your audience.

Use e-mail to periodic reports, new product announcements or to share your publicity success - a lot of ideas going for it. But know that the flexibility and ease of use, this can cause problems. Remember, this is a marketing campaign. So must check to understand is cooked, arrange the appropriate message, create things that reflect your brand, know your target, and make sure that information is a valuable market for you, if not people will quickly stop the list from your e-mail.

5 Tips for Successful Email Marketing

2008-12-12T16:17:00.000-08:00

One of the main factors that can successfully do business online is through the mailing list. Perhaps you have heard the term:

«The money is in the list»

This term is no truth when you have a database of 100,000 email addresses (Subscriber). But throughout this list is not useful if Subscriber is not the action expected of the messages sent, or even not get the same message once. Really discard time.

1. Use paying Autoresponder

This is very important in your online business, especially in the run email marketing. Indeed, many things for free on the Internet that has a surplus even than competed with the port, but not including Autoresponder service here. You are not recommended to use Autoresponder free. Subscriber want to open email means one problem resolved, however, guarantee that the email will go into their inboxes are other issues that should be on the Autoresponder with a good reputation.
The problem of spam is increasing each year, making many email service providers such as Yahoo and other facilities to provide filtering to protect users. This is the positive side of email users. On the other hand, the providers Autoresponder with a good reputation have cooperation with the provider of email that will help the delivery of messages that can pass from spam filters. Autoresponder Services, which also has a function where you can make a cock-spam test (to test whether the mail will be filtered) before you send it.
Finally, make sure that services Autoresponder has the facilities double opt-in that allows you to set the Subscriber need to confirm and mem-verification their membership in your list. Usually through a link that should be in-click on the email or email with the reply.

2. Test Subject Line

The first thing that will see the Subscriber when they check the email subject is his. It needs to be done as your email marketers is to create interactive may be subject to the Subscriber willing or even interested to open it, especially if the email contains the campaign.
One way to get an overview about how much of your email is opened by testing a different subject line. In this way, you send an email campaign to a small part of the list. For instance, if you have a list of 10,000, then you can send in the first 500 people. 250 people (group A) for one subject and the rest (group B) with a different subject. You can see the groups which most respond to the email you send. Subject line, which sent the group tersebutlah used to list all of you.
There are many techniques for conducting this test, depending on the size of the list. For instance, you can try variations of the subject more or send them on the percentage of recipients is greater.

3. HTML or Plain Text?

Although important, many email marketers are less consider this. Most Autoresponder provide the option to choose between HTML or plain text. This is important because although the Internet and software continue to grow very rapidly, many email client that can only read plain text format, so that when the client is receiving an email message with HTML format, then all the HTML code will be displayed. This does not make the email look professional, and more serious again, the mail can not read people. My suggestion, should you choose a plain text format, while if you want to show something fancy you can put a link on the content of the email.

4. Have opt-in form?

I often find many websites that still does not have the facilities email opt-in. When you read this, and you are a (prospective) webmaster / blogger, I always remind to install a form email opt-in on the website that you created, although not have any for sale at the time. You must begin to build an email list. The sooner the better.

5. Send an email re Not Opened

Now, we reach the last section, and this is rarely the points discussed in the field of Internet marketing, which is analyzing the email is not opened by the recipient. Autoresponder services that have good facilities to provide a report on the list whom you do not open email. That must be calculated using the Subject line, although the most eye-catching there is always the possibility the email terlewatkan, especially if the recipient of many to join the mailing list, or perhaps being a holiday, or may only be just beginning to register email.
Try to send it again. Many online marketers who want to just skip and go to the next campaign. Do not capitulate first, if your email is not opened on the first opportunity, try again. Even if you can only create a «sale» to do so, then it was worth doing.

So, hopefully this can provide ideas about what can be done with email marketing.

Tips on marketing in a successful car sales

2008-12-12T16:13:00.000-08:00

Passat CC, Sporty and Elegant Appearance
Volkswagen, as one of the major automotive manufacturers in Europe back to the wings with a series of new products mainstay 4-door sedan, Passat CC in the arena of the North American International Auto Show in Detroit, U.S., which is currently ongoing.
With a view sporty interior and a roomy cabin, a Passat CC coupé that offers comfort, and kedinamisan for the motorist. Design dent body that mambentuk siluet adapted from the flow of water, enhanced with a solid roof that extends to the design of horizontal glass between the front and back. Meanwhile, the latest development located on the installation of Panoramic glass roof that allows the rider witnessed more extensive.

TIPS AND TRIX WILL FIND THE CAR PURCHASED
As a marketing sales should be beautiful to see the construction / condition of the car and the ekterior.

conditions outside the car is okay then see the car doors and the bonnet and the door baggage.

the next step, see the bottom, overall car and the engine is still under the net, if there is visible, which has oil, then there must curika! whats up!

Then, look like the interior, including the overall facilities provided by these brands, whether still have original or modified, if there is dimodif must be carefully re-evaluation.

After the steps above, to hear the sound of the engine if the car is still fine and smooth mesinya conditions.

the last step, whether the road condition is still stable, or is not good for dikendarai, because these cars may be used direnof knstruksi or former reli !!!!!
Thank good luck, good try.

Network Marketing Tips Building, Art Building Network

2008-12-12T16:12:00.000-08:00

AFTER you make the many presentations, the group now you start developing. One of the many mistakes made by MLM business is to recruit without building. Suppose you have to recruit 10 people and then you leave it without guidance to them. If you do this then automatically terduplikasi into your network, the result is a group you will not be developed quickly and sales volume is small. I never even saw a group of MLM distributors reach more than 100 people, but the volume of sales is small. This is clever because he was recruited to do it without the guidance. To prevent incidents above, you as a leader in your organization must also perform construction. Things you should do is:

WORK IN Depth

"Wide Fund for Wealth, Deep for security." This is the formula for building your MLM organization. This means that the sponsor is more Frontline and also in your organization so that income will be greater and your organization will be more stable.

So when you join in MLM then as soon as possible to sponsor 10 people Frontline. From the Frontline 10 people are usually 1-2 people who run the business on this. Ajari them to sponsor 10 people also with the help they do 2-3 times a presentation at their homes until they can do it. From 1-2 person will produce several new distributors active (core distributor) in your group. Now a new distributor to the active that you will also work together to build more depth.

Suppose your downtime named A successful recruit 10 people Frontline. From 10 people such as these are core 1 distributor named the B. So you do not need help because A is a self-help, but the B is also sponsoring 10 people. At the B help you make the presentation, you can contact the upline A and A-uplinenya "I will make a presentation at the home of the B on attending. He is also including your downtime, and I want to invite you to the house to support the B B. You can bring a maximum of 1 person because the place is limited. Okay, turned up in the house B "result is in the house B will be present 3-4 people invited by B and also upline-uplinenya B will bring the respective 1, so that delegates can attend and many will be more and more people who joined!

Another thing that needs to be is to build balance in your organization. I see so many MLM business people complained that the bonusnya small downlinenya have almost reached thousands. After he had examined only have 1 foot of the active. MLM business in the same once you can not rely only 1 foot, which means active because you rely only ` 'feet are working. You need to do is build your organization on the other foot.

Tips for Successful Internet Marketing: Task Internet blog

2008-12-12T16:11:00.000-08:00

1. Never surrender on the condition and the situation is very pressing yourself
2. Always do your analysis on target
3. Finding a narrow slit to the discovery of a new well in the tips and tricks in the business

4. Finding the information to various places both the blog and forum friends.
5. Determine Target or step before you step - you want a Targets are diposisi above or below the level of business and competition. (WM would have wanted it over the period under ..? success, I wanted success ..)

to 5 steps are likely to practice in both your online business ..

Three Marketing Tips

2008-12-12T16:10:00.001-08:00

Marketing, a foreign word that is not heard again by all levels of society, both in villages and in the city. Many think the job as a marketing job that is "less bonafid," because there must sell to Let, as sales of drugs, it's about the perception many people.

However, with the development progress of the period, the visible work that Marketing is not a job that no longer be calculated, but in fact many more people will deepen marketing, because a company or organization even government institutions need jobs Marketing.

How many people buy a company, if no energy marketing and promote the mensual. This is also how an organization, such as political organizations, can attract mass selecting a particular political party, if there is no interpreter campaign to promote the program partainya. No exception, government agencies, how can we attract investors to infuse capital in a country, jira no president or other government agencies to promote the country's potential.

Thus, decisions that can not work out there in the marketing function of all the work, and the more we realize the importance of understanding and running the marketing fungís. Moreover, in the midst of an era of globalization, where companies compete all-race stated products as the product number 1 and profitable.

Here are three tips to outline the necessary a Marketing, namely:

• Confidence.
As Marketing, must first believe that the product will be sold is the product of good, useful and profitable. If you have confidence Marketing as such, the time to sell to customers, will arise a conviction and confidence, bahkanm will be a reciprocal encouragement to continue to tempt customers to buy these products.

• Understanding the Customer.
As Marketing, we should know who our customers and what they need. Thus, we will be a solution or answer for each of their needs. If so, surely the customers will be using our products.

• Evaluate Progress and More.
For Marketing, are forbidden to despair. By doing the evaluation, then we will know what the lack-cons can be searched for solutions, so the lack of covered. Or we can learn from other people's success, so we do not become static or backward, but forward and achieve success.

10 Tips For Marketing Your Blog:

2008-12-12T16:00:00.001-08:00

GUERRILLA 10 Tips For Marketing Your Blog:
1. Use the link blog address as your email signature.
Almost all the email platform currently provides convenience to the users to create a signature at the bottom of the email. By adding a link (yes, of course that clickable, not just the address) address of your blog in an email signature option with the tag line, interesting possibilities of each recipient of your email will be interested to click on the address of the blog and then may not be a faithful reader of your blog.
2. Add the address of your blog on your card.
This is actually normal, but will be different if you give a touch of interesting options on the tag line address of your blog. The key, do not just write a blog address, but gave a short description of the "heckle" the recipient of your card to visit your blog. If you have a business card, perhaps this is a good time to make. You can create a card with the name of the budget that is affordable enough, can even create your own with only the help of a printer.
3. Show your blog address in the Contact Details Yahoo Messenger you.
Yahoo Messenger allows you to add data to the site or personal blog in the Contact Details. When the chat, the address of your blog will be seen by your opponent's speech. Once again, take advantage of the tag line description is interesting for fishing curiosity talk your opponent.
4. Offer cooperation to the cafe near where you live to display your blog as the default homepage with the benefits install a free ad in your blog.
This way you can only do that if you are not running the Google AdSense program on your blog. If you still do, I'm not responsible if your Adsense account and then disable (aka in-short) because of click fraud on the visitors concerned (I). How to do this only if you believe there is no problem with click fraud.
5Create a sticker name of your blog and offer cooperation in the cafe near where you live sticker attached to the computer at each table with the benefits install a free ad in your blog.
Currently, the cost of making a sticker is not expensive. What is more important is the visual language of the sticker that you create. With low-budget, using the stickers can be very effective for promoting your blog. Similar to the previous method, make sure you are not running the program pay-per-click (PPC) on your blog.
6. Create a sticker or a divider page book with the logo and name your blog and share free of charge to visitors at the cafe near where you live.
Similar to the previous method, make sure you are not running PPC programs on your blog.

7. Create a sticker name of your blog and paste in your car or motorcycle.
If your budget is very minimal, you can create a custom sticker with a number of very limited and menempelkannya in a car or motorcycle you own. Once again, the most important is the visual language through a role as a sticker advertising your blog. Not what it costs.
8. Create a hat with the logo of your blog and use every opportunity in kemanapun you go.
Make the logo of your blog in the hat you normally use every day to campus, or to work, or just roads, is how effective campaigns. Currently, many are also hats silk-screening techniques are cheap and affordable to low-budget.
9. Create a shirt with the logo of your blog and deceive in every opportunity kemanapun you go.
Similarly, with hats, T-shirt with the logo to make your blog will attract very good people to ask questions or simply decided to visit and then to your blog. T-shirt and white or black with a simple note in the back "I'ma blogger. Visit http://www.resep.web.id "will invite curiosity of people who read it. Or you have a tag line that bedevil?
10. Create your wedding invitation cards appear similar to insert the address of your blog in the wedding invitation card.
This is a unique, creative and intelligent, but needed extra courage if you are not the familiar exit from the grip of the environmental community you live. You can try if you have enough courage to appear different. At least I still rarely find a wedding invitation card to include the blog address their brides. You can become the first person to send a wedding invitation with the address of your blog to me. Why not?
Using the techniques above are not necessarily immediately will bring 1,000 visitors to your blog in one day (I). However, at least, way above can be inspiring "outside the box" techniques that the campaign is plural and requires a big budget. Once again, the most important is to think creatively and act immediately.
How do you think?
Hopefully useful.

Do you need travel insurance? Advice on when and when not to buy various coverages

2008-12-10T16:37:00.001-08:00

For years, it was the great unmentionable in the travel transaction: insurance. Travel agents were afraid to bring up the subject of travel insurance for fear of losing the overall deal. It was considered a negative.

Not anymore. Whether it's your trip, your possessions, your luggage, or your health, travel insurance — and most important, the right kind of travel insurance — has become an essential item to pack for smart travelers. And if you don't buy travel insurance — or the right kind — more than your trip could be ruined.

According to the U.S. Travel Insurance Association, about 30 percent of Americans purchase travel insurance, an increase from 10 percent before 9/11. The top three reasons are: peace of mind, protection against the unexpected and concern over losing the financial investment in a trip. Some 70 percent of cruisers buy travel insurance.

While a majority of those who don’t buy travel insurance are familiar with flight and trip cancellation insurance, many people are unaware of travel health insurance, baggage coverage and medical evacuation insurance. Even among travel insurance buyers, only 50 percent were aware of medical evacuation insurance.

There’s yet another kind of insurance that's available to air travelers that the airlines aren't exactly rushing to tell you about. In fact, they actually wish you didn't know about it. It's called excess valuation.

Reasons to buy travel insurance
1. Your flight has been cancelled.
2. Your bags are lost and your medication is in it. You need to have an emergency prescription filled.
3. Your passport and wallet are stolen, and you need emergency cash and a replacement passport.
4. You're involved in an accident and adequate medical treatment is not available. You need medical evacuation.
5. You need to cancel your trip due to illness.
6. Your cruise line, airline or tour operator goes bankrupt. You need your non-refundable expenses covered and to get to your destination.
7. You have a medical emergency in a foreign country.
8. A terrorist incident occurs in the city where you’re planning to visit and you want to cancel your trip.
9. A hurricane forces you to evacuate your resort, hotel or cruise.

Tips for buying life insurance 10 Tips: How to find the policy that is right for you and your family

2008-12-10T16:36:00.001-08:00

Compare Life Assurance. Life insurance isn’t the most fun subject to dwell on at length or think about during your time away from work.
In fact, most of us don’t want to think about this subject at all. According to the Insurance Information Institute, one-third of all U.S. families with a new baby at home don’t update their life insurance coverage.
As unpalatable as the idea of planning for your own death might seem, there are plenty of reasons to look into buying life insurance now – even if you already have a policy.
For one thing, having the right kind of coverage can give you incredible peace of mind. Another detail to consider: Prices have been dropping significantly. The Insurance Information Institute notes that premiums have plummeted 50 percent for standard-risk term insurance since 1994, and they’re expected to drop by another 4 percent this year.
Honestly, how often do you hear about rates dropping for anything these days? The following tips can help you secure good coverage without spending too much.
1. Figure out your needs. You can use online calculators to get a rough idea of how much money it would take to cover your surviving spouse’s expenses until retirement, and/or your children’s expenses until they reach adulthood or finish college. The Life and Health Insurance Foundation for Education offers this calculator. MSN Money offers this one as well.
2. Opt for term life. A term-life policy is the best and simplest option for most Americans ranging in age from about 20 to about 50. Cash-value life insurance can make sense for wealthy people over the age of 60 – but for most people, term insurance is the way to go.

3. Get quotes online. Web sites such as Accuquote.com, FindMyInsurance.com, LifeInsure.com and InsWeb can give you plenty of pricing information fast – although all of it will be subject to a more detailed application process and a medical exam.
4. Get in shape. To improve your risk class, you can take steps such as quitting smoking, losing weight and reducing your cholesterol and blood pressure if they’re high. You also can get that exam before you apply for insurance so you’re not hit with any surprises. In some cases, the changes you make can save you tens of thousands of dollars over the life of a policy.
5. Decide how to buy. You can go it alone and buy insurance directly from the company, seek guidance from a fee-only financial planner, buy it through a commission-based financial planner, or buy it through an insurance agent.
6. Understand how these folks get paid. Insurance agents and commission-only financial planners don’t make money unless they sell you insurance products. Fee-plus-commission (or fee-based) planners charge both a fee and a commission on products. Fee-only planners charge a fee for their guidance but don’t sell products; you would buy the insurance coverage on your own.
7. Do your homework. Whether you decide to buy a policy on your own or hire a professional to help you, you should bone up on life insurance on the sites mentioned in Tip No. 3. This will help you feel more confident and informed.
8. Buy from a financially strong company. The insurance company should have an “A” rating or higher from rating agencies such as A.M. Best, Standard & Poor’s, Duff & Phelps, Weiss, Moody’s and Fitch Ratings.
9. Be alert for red flags. Avoid advisers who say they’re more knowledgeable about the insurance company than the rating agencies, or who claim the ratings are unimportant or unavailable. If you have a complaint, contact the adviser’s customer service department and speak up. You also can file a complaint with your state’s insurance department or attorney general’s office. To start the process of finding the correct contact information for your state, click here.
10. Make adjustments as needed. Your life insurance needs will change over the years – most notably when you marry, divorce, have a child or start caring for an aging parent. At a certain point – once your kids are all grown up, and once you know you’ve saved enough for retirement – you can decide to stop paying for life insurance entirely.

Do We Need Insurance Medical Temporary?

2008-12-10T16:35:00.005-08:00

A major attraction of being a fulltime employee at an American company is the security of health coverage. As the cost of health insurance has skyrocketed in the past 60 years, insurance coverage provided by employers who enjoy tax benefits for giving health benefits to their workers has helped foster loyalty and reduced the stress of thousands of American employees.

Just how high those skyrocketing insurance costs really are becomes painfully apparent when someone loses a job. COBRA, which stands for the Consolidated Omnibus Budget Reconciliation Act of 1985, requires insurance companies to continue to make their plans available to people who have left a group policy due to unemployment. But when you sign up for COBRA, you suddenly find yourself paying much more than what you were paying at the time you were employed. This is at the same time that you have probably lost your primary source of income. The national average cost per family for COBRA is more than $500 a month, the price of rent in many cities. For a relatively healthy person who rarely visits a doctor, the cost of COBRA may seem unacceptably high.

Hindsight is 20/20, however, and thousands of people who have opted not to have insurance because of its costs have lived to regret it. In fact, every 30 seconds someone in the United States files for bankruptcy following a major medical emergency. Many of them found themselves sick or injured without insurance. Fortunately, an inexpensive alternative to COBRA exists that can fill in the gaps between jobs. Temporary low-cost health insurance typically has a much higher deductible than COBRA, but also very affordable rates. It's possible to receive coverage in a matter of days, if not hours.

While the affordable prices are attractive, it's important to remember that temporary low-cost health insurance is considered a "stop gap" for individuals who are between jobs that normally provide healthcare benefits. These policies have not been designed as a long-term solution.

Who generally purchases short-term temporary health insurance? Purchasers include people a)Who have left a company for another job or were laid off b)Are about to graduate from college and need a plan to cover them after they leave the Ivory Tower c)Who are spouses waiting for coverage from a wife or husband d)Who are coming off parents health plans as a dependent e)Who are now working part time or as temporary workers f)Who are waiting for permanent health insurance to begin

Who Qualifies?
If you're healthy, you likely qualify for temporary low-cost health insurance. You probably don't qualify if you are someone who has a pre-existing condition, is over the age of 65 or who has been rejected for insurance before. Pre-existing conditions are generally defined as any condition or symptom which you had during the 36-month period prior to the start of coverage.

How They Work
Many temporary low-cost health insurance policies apply on a per-illness or per-injury basis. You will likely be required to pay a deductible, with your insurance company paying some portion of the next $5,000 in healthcare expenses, before 100 percent coverage takes effect. Plan maximums are typically $1 million to $2 million. Healthcare expenses ranging from emergency services to prescription drugs to surgeries to hospital care are typically covered by the policies.

How Long They Last
Generally, the holder of a temporary low-cost health insurance policy should plan on having the policy a year or less. Some policies do last up to 36 months. Many policies allow people to renew after the policy has run its course, but usually customers are limited to renewing a policy only once.

If You Don't Qualify
If you do have a pre-existing condition, it's unlikely you will qualify for short-term low-cost health insurance. But it's still too dangerous to function without some kind of insurance. Your best bet may be to apply for a low-income health insurance plan. However, only certain groups qualify:Seniors 65 and older: Medicare, a health insurance program of the federal government, covers this group. Pregnant women: Medicaid is usually available, depending on a woman's income and family size.Young adults under 19 and children: The United States typically does not allow children to go uninsured. Programs including dental, vision, substance abuse counseling and basic medical coverage are available across the U.S.The disabled: Medicare covers this group.

Getting Really Cheap Car/Auto Insurances In New York

2008-12-10T16:35:00.004-08:00

Getting Really Cheap Car / Auto Insurances In New York. New York State is a no-fault state in terms of car insurance coverage. Simply put, this means your car insurance policy will cover you, and the other guy?s car insurance policy will cover him, regardless of who was at fault for the damages.

You can purchase New York?s minimum car insurance requirements just the same as you would in any other state in America; however, New York?s minimum car insurance coverage requirements are a bit more in-depth as far as coverage goes, and pricier as far as costs go.

The minimum car insurance coverage in New York is as follows:

$10,000: Property damage liability $50,000: Basic, no-fault coverage

Bodily injury liability: For injury, $25,000 per person and $50,000 per accident. For death, $50,000 per person, and $100,000 per accident.

Uninsured motorist?s coverage: For injury, $25,000 per person and $50,000 per accident. For death, $50,000 per person, and $100,000 per accident.

Of course, if you don?t own your car out-right, i.e., you borrowed money from a lender to help pay for it, you may have to purchase more car insurance than the minimum.

Despite the high costs of the minimum car insurance requirements, it is possible to get cheap car insurance in New York. Shop around with a few NY car insurance companies (remember, drivers in New York must purchase car insurance from a company licensed to do business in New York) and ask about what kinds of discounts they offer. Some discounts are pretty standard, such as those for good students and multi-line policies; other discounts may be unique to that particular car insurance company.

You may also make changes on your own to your car and try to get Auto Insurances In New York. Make sure it is up-to-date with safety features such as anti-theft alarm systems and reinforced window. Child-proof locks aren?t only safe, but impressive to car insurance companies. And instead of leaving your car in the side of the street, store it in a garage.

Medicare chief is 'secret shopper' of insurers

2008-12-10T16:35:00.003-08:00

Weems acknowledged that he wasn't just a shopper. He's actually the acting chief of the entire Medicare program insurance medical temporary . To get a better feel for the marketing practices of private insurers, Weems ordered senior staff at the Centers for Medicare and Medicaid Services to surreptitiously attend agents' presentations to seniors and the disabled. They call it the "secret shopper program."

Weems has been to three, including one last week at a Virginia diner.

It's the more comprehensive coverage, called Medicare Advantage, that has raised concerns about seniors being misled. State insurance commissioners have complained that some agents signed people up for plans that didn't meet their health needs. For example, the plan might not cover a drug the customer takes, or may require the patient to switch doctors. But the customers might not find that out until they show up at the pharmacy counter or at their doctor's office.

Medicare began using a private contractor earlier this year to audit the agents' presentations. After each presentation, they submit a report that grades the accuracy of the agent's statements. Weems ordered CMS staff to get out and see for themselves whether agents are misleading Medicare beneficiaries. So far this year, secret shoppers have attended 119 separate presentations from 56 participating insurers.

In blue jeans and a flannel shirt, Weems was the only potential "customer" who showed for last week's presentation. He told the agent he was inquiring on behalf of his mother. He asked questions about whether the agent was licensed, whether he received a commission for a sale, and which particular charges his mother would be liable for if she enrolled. A reporter observed from nearby.

"He was compliant with our policies. When he would get a little fuzzy, and I came back with a question, he would answer it correctly," Weems said.

False information
But earlier this year, Weems listened as a different agent gave beneficiaries in Illinois false information about how that particular plan worked. Under the plan discussed at that particular presentation, a physician must accept the terms and conditions of the plan before the insurer will cover the cost of care.

At first, the agent told attendees they could go to any doctor. The insurance plan would cover their care. When pressed, the agent then said the beneficiary could go to any doctor that accepts Medicare. In neither case was the agent being truthful. It's an important distinction for seniors because the vast majority want to continue to see their current doctor.

"We found that particular company was way out of compliance," Weems said "We sanctioned the company and asked them to stop marketing and retrain their agents," said Weems, who declined to identify the company.

8 million signed up for private Medicare Advantage insurance medical temporary
Earlier this year, Congress held hearings about misleading sales tactics in the Medicare program. Most seniors get coverage through traditional Medicare, but more than 8 million have signed up for private Medicare Advantage plans. While most participants in the Medicare Advantage plans are happy with the extra benefits they get, the hearings also shed light on marketing abuses. For example, many seniors were under the impression that they were signing up for basic drug coverage, only to learn that they had been enrolled in the more comprehensive program, witnesses said. The agents routinely get a larger commission when they enlist consumers in the latter option.

Under pressure from advocacy groups and Congress, Medicare officials made several changes. Insurers must telephone beneficiaries who have enrolled in certain plans to confirm the customer understands the product. The agents also have to pass a written exam demonstrating an understanding of Medicare policies. Also, insurers have to list sales events so that Medicare officials can attend, which is how Weems knew of last Wednesday's presentation.

Revealing the Secret critical illness insurance life

2008-12-10T16:35:00.001-08:00

Medicare Savings Programs have been called the " critical illness insurance life" for lower-income seniors. In 1999, the Centers for Medicare and Medicaid Services (CMS) estimated that only 54% of people eligible for the two most popular Savings Programs were actually enrolled in them. The reasons cited for the low enrollments are:

* relatively few people, including some eligibility workers, understand how Savings Programs work;
* the application process can be tedious; and
* the eligibility rules can be confusing.