Abel-Anes

Menjadi asuransi yang besar merupakan sebuah tantangan karena selain harus profesional juga mampu menjaga kepercayaan yang diberika oleh para nasabahnya. Adira Asuransi Kendaraan Terbaik Indonesia telah membuktikan bahwa mereka mampu mengelola asuransi kendaraan dengan baik dengan mendapatkan penghargaan untuk Asuransi Adira. Pada periode Januari hingga September 2011, Asuransi Adira mampu bertumbuh sebesar 38% dibandingkan dengan pencapaian pada periode yang sama tahun 2010, atau telah membukukan premi lebih dari Rp 1,1 triliun. Kenaikan perolehan premi ini banyak disumbangkan dari lini bisnis asuransi kendaraan bermotor terutama pada produk-produk ritel melalui produk Autocillin untuk kendaraan roda empat dan Motopro untuk roda dua, baik yang menggunakan konsep konvensional maupun syariah.


Mungkin beberapa award Adira Asuransi Kendaraan ini bisa menjadi referensi atau bahan pertimbangan untuk menjatuhkan pilihan apabila ingin menggunakan produk asuransi kendaraan yang ada di indonesia.


Produk utama dari asuransi adira adalah asuransi Kendaraan beromotor dengan produk adalan mereka yaitu autocillin dan motopro. Kedua produk layanan asuransi tersebut telah digunakan luas oelh masayrakat indonesia dan mendapatkan sambuatan yang cukup baik dimasyarakat. Maka kini saatnya bagi anda untuk bisa mencoba menggunakan produk-produk asuransi kendaraan seperti Adira Asuransi Kendaraan Terbaik Indonesia.

After months of slow, gradual rollout, Facebook Timeline is now available to all users. The Timeline is a radical redesign of Facebook‘s user profile pages, introduced at Facebook’s F8 conference in September. Instead of merely listing your interests and personal info, the Timeline shows a detailed overview of your life on Facebook, with the ability to check out what you’ve been out to at a particular point in time.

Timeline comes with a new tool called the Activity Log, which enables you to finely tune what appears on your Timeline; you can “promote” a post to featured status, you can hide it from the Timeline or delete it altogether.
Like all major Facebook redesigns, Timeline was greeted with a fair share of criticism. Some users were concerned about Facebook’s request that users add even more personal info, as well as the fact that Timeline makes this info easily accessible, which could lead to identity theft.

The good news is that Facebook is implementing a seven day grace period, where you can review anything that appears on the timeline and decide whether you want anyone to see it. However, once you upgrade to Timeline, that new profile will “go live” at the end of the seven-day review period.
As of today, Timeline will also be available on Android devices as well as the mobile version of Facebook – m.facebook.com.

To enable Timeline, go to this page and click on “Get Timeline.” To find out more about Facebook Timeline, check our in-depth guide.(source)

Briefly, the sections covered on a hotels insurance policy, will include the following:-


1) Hotels Insurance for Buildings – if you own the property, insuring the hotel buildings will be one of the core necessary policy sections for you. If you have a mortgage on the property, the lenders will probably want their interest noted on the schedule and will provide you with a list of perils that must be included under the cover. You will need to provide an accurate sum insured for rebuilding costs, your lender may be able to help you with this, particularly if they carried out a survey on the premises. If they didn’t, then you should obtain professional help, it’s not worth having a guess at it which could end up having some severe consequences. It is essential that this sum insured is adequate for your needs as it is the maximum amount that the insurance company will pay and in some cases, if the sum insured is not adequate, compensation for an incident may be reduced. The building sum insured should also include all the fixtures and fittings, walls, fences & gates and the piping & cabling belonging to the hotel or for which it is responsible. The perils insured are fairly similar to a standard building insurance policy although there is no section for loss of rent or alternative accommodation. If you are an owner occupier, then you will need to effect the business interruption section of the policy to protect you against loss of income following an insured event. If you are a landlord, looking for buildings insurance, that has been rented to a hotelier, then you should be able to include loss of rent cover but the building may be better covered under a different form of policy.
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2) Stock, Trade Contents & Tenants Improvements – this section of the policy will cover you against material damage from a wide range of hotels insurance perils, such as fires, floods thefts etc. The three sections are as follows; Stock, which is defined as stock and materials in trade ( such as foods or foods to be prepared, wines & spirits etc) or stock which is being held in trust for which you are responsible. Contents relates to all contents within the hotel, such as tables, chairs, beds, including machinery & plant, equipment, fittings, frontage & signs & blinds. In many cases, where the hotel is rented from a landlord, the proprietor will be responsible for signs & glass etc as the insurers of the building may not cover them. Glass in the property, should be included in the glass section of the policy, again in you rent your hotel, you may be responsible to insure the glass. Tenants improvements relate to any improvements and internal decorations which are your responsibility or which you own, again this applies if you are renting the hotel from a landlord. The range of perils is quite wide, but with regard to damage to Stock, ‘spoilage’ can be covered to refrigerated stock in another section of the policy. Before requesting your quotation, you may need to spend some time calculating the replacement amounts of the above as these figurers will be required by the insurers in order to calculate a premium.

3) Business Interruption (Loss of Income) – this a very important section of the hotels insurance policy and one that is sometimes overlooked by many persons buying insurance, especially if it is being sold on a non package basis or it may be an optional add on. In essence, this section of the hotel insurance policy will cover you in the event of a loss occurring at your property that interrupts your trade, resulting in a loss of income for you. Whilst the above sections will cover you for material property damage, it is this section of the policy that will protect your livelihood, whilst the insurance company are reinstating your property. In many cases, particularly following a serious event, it may not possible to run your business for several months which could result in a loss of bookings, especially if the loss occurs within your peak season. In other cases, you may be able to keep trading but with a smaller turnover. There are a number of ways of calculating a sum insured for this section of the policy. The easiest way is if the insurance company selects a sum insured for you, in most cases, this is a sum far in excess of what is actually needed and is ideal for a small business. For larger concerns, insurers may want to know the gross profit of the business and they will base there premium on this amount.A simple way to calculate gross profit for a business is as follows: Sales (turnover) + Closing Stock – Purchases & Opening Stock . So if you turnover over £250000 per annum (the amount you take in return for accommodation, food beverages etc) and at the end of your twelve month trading period you have £1000 stock remaining you subtract the amount you have spent on buying your stock say £50000 and the stock you had at the start of the year ( say £2000). This will give you a gross profit of £199,000. This is probably the safest way of calculating gross profit as it leaves in the equation, fixed costs that may or may not reduce in the event of a serious loss. You can insure for a period of up to 12 months but this sometimes can be extended for up to 36 months. There are some useful extensions to this section which include: denial of access ( in case you are effected by a problem occurring in the vicinity of your property, which prevents access to your hotel premises) murder, disease or public health closure, or failure of public utilities.

4) Loss of Money – business money can be covered under the policy and there are usually pre set limits on the policy which you may have the option to extend. Money will be covered on the premises and in transit to the bank. One notable exclusion is theft from unattended motor vehicles, any theft by employees must be reported with in seven days of the occurrence. The insurance company will usually choose the sum insured for you. In most cases, this is perfectly adequate although larger concerns will need to consider the amounts on offer carefully. (source)

Adira Asuransi Kendaraan | Adira Asuransi Kendaraan Terbaik Indonesia

Kontes Century 21 Indonesia SEO Championship 2011 diadakan oleh century21.co.id dengan memperebutkan kata kunci Century 21 Broker Properti Jual Beli Sewa Rumah Indonesia. Kontes ini memiliki beberapa persyaratan dalam penulisan artikel Kontes. Berikut persyartan yang harus ditaati oleh semua peserta kontes SEO ini.

1. Mendaftarkan diri melalui form pendaftaran Peserta Contest secara lengkap (register) dan melakukan "Like" facebook Century 21 Indonesia. Apabila data yang diisikan tidak lengkap, maka peserta akan didiskualifikasi.
2. Pastikan entry URL dari website yang Anda masukkan melalui halaman Peserta Kontes (login) mengacu kepada halaman sebenarnya (aktif) yang anda daftarkan untuk kontes.
3. Anda dapat mendaftarkan beberapa URL untuk diikut sertakan kontes.
4. Untuk peserta yang mendaftarkan lebih dari 1 URL, maka peserta tetap hanya dapat menduduki satu posisi pemenang/juara.
   contoh:
   • si "A" mendaftarkan 3 URL sebagai berikut http://domain1.com/situs1, http://domain2.co.id/situs2, http://subdomain.domain3.net/situs.html
   • si "A" mendapatkan posisi juara 1 untuk http://subdomain.domain3.net/situs.html dan juara 3 http://domain1.com/situs1
   • maka "A" hanya dapat menduduki posisi juara 1 dengan URL http://subdomain.domain3.net/situs.html sedang posisi juara 3 diserahkan pada peserta berikutnya
5. Peserta diperkenankan mengikuti Kontes SEO dan Kontes Blog atau hanya mengikuti salah satu. Peserta yang mengikuti kedua kontes tersebut berhak atas posisi juara dan hadiah dari masing-masing kontes.
   contoh:
   • si "A" mendaftarkan 2 URL sebagai berikut http://domain1.com/situs1 untuk kontes SEO dan http://domain2.co.id/situs2 untuk kontes Blog.
   • si "A" mendapatkan posisi juara 1 untuk kontes SEO dan juara 3 untuk kontes Blog, maka A berhak atas kedua posisi juara tersebut dan hadiah terkait.
6. Pendaftaran Gratis dan terbuka untuk umum (memiliki KTP/Kartu Tanda Penduduk). Untuk peserta dibawah umur, penaftaran wajib diwakili oleh wali/orang tua.
7. Peserta harus berdomisili di Indonesia.
8. Bahasa yang dipakai adalah bahasa Indonesia.
9. Peraturan dapat ditambah/dikurang dari waktu ke waktu tanpa pemberitahuan sebelumnya sesuai dengan kebijakan dari penyelenggara dengan pertimbangan yang dianggap perlu.
10. Tidak ada batasan usia Domain / sub domain / blog yang dilombakan.
11. Isi postingan tidak boleh mengandung unsur pornografi, diskriminasi, SARA atau tindakan yang melanggar hukum negara Republik Indonesia.
12. Selama periode kontes, para juri akan memeriksa ulang halaman entry kontes. Apabila ada pelanggaran peraturan, maka peserta akan diberikan teguran. Apabila teguran tidak digubris, maka peserta didiskualifikasi.
13. Artikel harus merupakan hasil karya pribadi peserta, bukan melalui tindakan/usaha "copy paste". Pelanggaran akan mengarah pada diskualifikasi peserta terkait.
14. Menyadur atau memodifikasi atau mengolah sebagai nara sumber merupakan kegiatan yang diperbolehkan dalam menghasilkan artikel bersangkutan.
15. Apabila ada konten yang bukan hasil karya sendiri harus mencantumkan nara sumbernya dan perihal legalitas konten sepenuhnya menjadi tanggung jawab peserta.
16. Keputusan Juri mutlak dan tidak dapat diganggu gugat.
17. Panitia tidak melayani korespondensi selama kompetisi berlangsung

 Cukup jelas bukan ? segera daftarkan dan semarakkan kontes SEO ini. Blog ini 100% mendukung Century 21 Broker Properti Jual Beli Sewa Rumah Indonesia