The Real Game Football

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The Real Money Game Strategy

The MarketGlory Story

 

Newsalert: Major Crisis
A major unprecedented economic crisis has just hit the Earth 24 hours ago, and, according to our sources, the Governments cannot deal with its consequences. Apparently, all the major national banks have already enterd into collapse, and the officials do not seem to know how to manage this situation. People have occupied the streets, and thousands are protesting in front of the Government and Parliament buildings. Most of the tv and radio stations have stopped broadcasting, and the main newspapers are under assault, as people are furious for not being told the truth about the state of things.
Although financial analysts have launched a series of warnings in the past five years in regard to the improper administration of funds and the constantly increasing amount of debt, Governments all over the world kept refusing to adjust their economic policy, while hiding the real consequences of their decisions. Instead of working to come up with a plan to stabilize the national economies, Governments chose to contract new debt, ignoring the long-term effects of this approach, and oblivious to the fact that assuming debt over and over again without being able to pay it, would not salvage, but crash the economy. The superficial attitude of the officials, and their inability to foresee the outcome of this disastrous lack of professionalism, as well as their devious manipulation techniques have contributed to this economic crisis that has now affected the global economy and caused riots in all the major cities of the world. Reports coming from all over the Earth state that an alarming violence wave has gotten out of control, as the military forces can no longer deal with the rage of people that have lost in just a day everything they worked for an entire life. As our informers have explained, what started out as peaceful demonstrations turned into utter and complete chaos, as information regarding the complexity of the crisis leaked.
The simultaneous fall of the Governments in countries across the Globe is a premiere - never in history have we witnessed such a fall of the mighty. Left with no money and no leaders to clear things up, it is no wonder that people react instinctively. One thing is a certainty - the past 24 hours turned out to be the most violent and confusing day of all times.
Update: Codename – MarketGlory
There is still hope! Just an hour ago, an official statement released by the spokesperson of the Secret Services shows that there might be a way to stop this chaos, as a recently declassified project designed by the brightest minds in the economical field could restore order. Known under the codename MarketGlory, this project aims at developing and stabilizing the global economy. Afer more than 7 hours of negotiations, the Governments of the world have decided to adhere to the project proposed by the experts. It is official - from now on, the economical strategies will follow the same direction and use the same principles of transparency and correctitude, and countries will not be able to borrow money from each other in order to stop the vicious circle created by debt.

Come Brother : http://www.marketglory.com/strategygame/ONGIS_NADE87

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Steps Before Buying Health Insurance

JAKARTA, KOMPAS.com - increasingly diverse health insurance products. The products are not only sold in the company's life insurance, but insurance is also common. You should be careful before you buy.Under these conditions, a lot of health insurance products available in the market. Moreover, sometimes an insurance company also has more than one health insurance products. If not careful, we can either choose from. Before choosing an insurance product, you can look at this:1. The credibility of the insurance companyYou should pay attention to insurance companies that offer health insurance products. Is the company experienced a long handle products that are included in the claim process2. Coverage benefitsIn insurance, we would look at the benefits that we will get. Instead, you can compare health insurance products with the products of the other companies in the health insurance. See also coverage such as inpatient, outpatient, surgery and rehabilitation3. Given cost limitThe product has a limited cost (indemnity) or without limitation fees according to medical indications (managed care)4. Number and distribution providerThis will be particularly important will help us in the process of health care. Provider here means referral hospitals, clinics and other health facilities5. Check whether the insurance company has a contract directly with the provider.Where a contract directly with providers such as hospitals, clinics, pharmacies and laboratories, it is no guarantee of quality of service and cost reasonableness6. Service customer serviceYou should see if the company has the customer service for 24 hours or 7. The amount of premiums for our health can not be assessed costs. So the consideration amount of the premium received special attention as well after we select the insurance company. In addition, premiums will also determine our ability to pay. Do not until you can not afford to pay it.8. Adjust the riskIn choosing health insurance, the prospective customer must know in advance about the suitability of health products to the needs of prospective customers. For example, the risk of what is guaranteed and that is not guaranteed in the policy. It also includes the amount of premium to be paid and the procedure for filing a claim9. Conformity budgetBack again money matters. It had to be adapted to the needs of the budget so as not to disturb others, but the health insurance needs remain unmet. If you need a comprehensive health insurance benefits, but have a limited budget, you should have a pure health insurance premiums are relatively lower than investment plus insurance.

At All Should Be More Easily

Insurance ArticlesHere are the articles that you are expected to understand the ins and outs of insurance, from insurance products, through the explanation of insurance terms.
Hazard and Risk
Every human action may pose a risk. This risk depends on a variety / activities actions a person does. In terms of insurance, the risk is likely to be experienced by a person losses caused by hazards that may occur but it is not known when it happened and what will happen.

Customers expect a premium service rather than low
It has now been established as many as 172 insurance companies, consisting of 107 general insurance companies, 4 companies re-insurance and 61 life insurance companies.

Deal with risk through insurance
The risk is not just happening on the investment. View floods now, making many people miserable, from the loss of property and even lives. What can I say, floods have occurred anyway. However, the risks include the risk of flooding - not unusual tricked. At least, that risk can be transferred to other parties. Do not be surprised if there are some circles that despite the loss of property, ranging from cars to home furnishings, seemed calm. Among these risks may have been moved to the insurance company. So, the insurance companies who will bear the risks experienced by this community.

Definition and benefits of car insurance
When we think about insurance, the first thought is free from financial losses due to unexpected accidents coming. Since the purpose of insurance is basically to reduce the uncertainty of the possibility of unexpected losses. In general, insurance is defined as an agreement where a person makes a bond with an insured to receive a premium to provide reimbursement to him for any loss, damage, or loss which may be suffered due to unexpected events.

Takaful
In Arabic is called At-ta'min insurance, where the insurer is called mu'ammin while the insured is called mu'ammin lahu or musta'min, At-ta'min means giving perlindunngan, tranquility, security and freedom from fear.

 National Assembly Sharia Council of Ulama Indonesia (DSN-MUI) in his fatwa No.. 21/DSN-MUI/X/2001 On Takaful General Guidelines provide definitions "Takaful (ta'min, Takaful, Tadhamun) is an attempt to protect each other and mutual assistance among a number of people / parties through investment in assets and or tabarru the giving patterns return to face certain risks through contract (engagement) in accordance with sharia.

Know the Life Insurance

Know the Life Insurance
Know the Life Insurance - Life insurance is a diversion or transfer of risk (risk shifting) the financial loss (financial loss) by the insured to the insurer. Insured is meant here is the participants and the insurance is the insurance underwriter. Risks that the insurer is not delegated to a person's risk of loss of life but the financial losses due to the loss of one's soul or because it reaches old age that no longer productive.
In the article explained that the value of life insurance a person is reflected in the magnitude of protection or rather the amount of the sum insured (sum insured) or UP, UP is theoretically the amount determined in accordance with the economic value of a person's life, it is intended to prevent UP too large (over insured) or the number of UP too small (under insured).
In life, we are always faced with the possibility of the occurrence of events that may lead to the loss of or reduction in economic value, thus causing harm to themselves, their families or anyone else with an interest.
Events - events that may pose risks, among others:
a) Passed away (death) either natural (natural death) or died at a young age can be caused by illness, accident (accidental death) and others.
b) Disability agency (disability, invalidity, incapacity) because of illness or accident
c) The loss or decline in health status (loss of health)
d) Old age or old age
Life insurance generally only manage risk in points (a) and clause (d), while point (b) and (c) is usually managed by the types of health insurance, but it will add life insurance coverage as a rider or additional.

For the future

"Mother santi, if I ask you to save money, you will be angry with me?"

In general, the prospects do not want to talk about insurance when we first met. They try to avoid talking about insurance, but everyone needs and everyone wants to save for their future.
The best way to start a conversation about this with a prospect is to ask a simple question.
no one in this world would be angry with you if you ask them to save for their future. after asking them for their current savings. you will be surprised by their answers.
after listening to their answers, you will advise them about the benefits of a life insurance program.

• Insurance program specifically designed to prepare children's education funds for certain beloved, ranging from elementary school, middle school, high school, college costs and tuition fees each year until the child is 23 years old.
• Life insurance program specifically for those who want to ensure the maintenance of living standards in the future you and your family against the risks of life (such as death, accident, disability, etc.). Funds are available from the program can be used by your family if something happens to you that you can no longer lead to provide financial support for the family.
• Insurance program that guarantees the availability of pension funds in the future with certainty and better, when you retire until you reach the age of 70. The funds you receive can be used to enjoy retirement in order to meet a variety of needs such as medical expenses, the cost of a vacation with the family and so on

Rider

ANASTASIA JOICE
KOMPAS.com - When buying life insurance, insurance agents often recommend that customers also purchase additional insurance called a "rider". "Rider" is not free, you know, there is also a premium to be paid.
"I never found a life insurance policy with more than six riders at a time. Means that the premium paid is more expensive. Fact, it is not necessarily beneficial rider maximum, it is better to enhance the life insurance money," said Freddy Pieloor of financial planners Money and Love.
Pritchard Hapsari Ghozie of Zapfinance said, for insurance clients aged 30-50 years, the rider is most needed is health insurance, not the other. This is justified by sound of chuckle Budiman Sofyan, Head of Marketing of Commonwealth Life. "Based on our experience, at any age, usually the rider to be a major health," he said.
Ligwina Hananto, a financial planner from Quantum Magna, suggesting that a critical illness rider does not need to be taken because the benefits were not as great as expected. Freddy said the same thing. "Rider critical illness is hard to claim. Anyway reimbursement is not much, "said Freddy. According to him, it is better to insure a pure accident, not an additional insurance or a rider. The function of the sum assured under critical illness insurance is the same as accident insurance, which is to replace the loss of revenue because the customer is unable to work as usual. It was not for the cost of treatment of critical illnesses.
Replacement of critical illness rider does need more requirements. There are insurance companies who require to get a replacement because the customer has been sentenced to suffer from kidney disease, the sum assured will come out only when both kidneys have failed and can no longer be transplanted. If one is still functioning, the sum assured will not come out. If the client suffers a stroke, then the sum assured out. If the client was sentenced to a doctor with cancer, stage 4 new sum it out.
There is another rider named wifer premium. This type of rider benefits exemption of insurance premiums in accordance with the product in the event of the insured's total and permanent disability due to accident or illness. If the insured is no longer able to work and pay the premiums, the protection will still run because premiums will be paid an insurance company. "However, it should be observed also, how long the insurance company is willing to pay a premium," said Freddy.
Another common rider is accidental death and offered disablement benefit (ADDB). This rider provides additional protection from permanent disability and accidental death. When customers have an accident insurance and death, the sum assured will be given. Similarly, if the insured suffered total permanent disability due to accident. The insurance company will give you the percentage of the sum insured if the insured suffers permanent partial disability due to accident. According to Pritchard, it should be examined whether this rider provides optimal benefits. "Sometimes taking more pure accident insurance benefits," he said.
Thorough first rider products offered, only took the decision to buy it.

 Sources: Compass ExtraEditor: Erlangga Djumena

Use surplus money to pay for all that is still there 3

Deposit
if before you save to invest and the results used to pay the debt, now you save for the future, especially for
retirement. You need a lot of money in those days, when you should retire your children are independent. however, what if the time your child is still in school? Who will bear the cost of the wedding reception of your child? How do you perform the pilgrimage?
Therefore, you have to have a mistress. Do you save the money under the pillow. Benefits with low risks. You are not able to bear the risk in the pension age. Savings also need to holiday with family at home and abroad as well as to renovate the house.
Investing for retirement provision.
your time working for money is almost over. Now it's time to make your money work for you. The best thing to do is to increase your knowledge and get advice and guidance from financial planning experts. Invest conservatively and avoid the risks of investing in several areas.
"Do not put all your eggs into one basket" what happens when the basket was dropped?
You've taken the trouble to save that much money. You might not want to waste all that money for it by risking her, right? To get a good profit you should know where you want to be in 5 to 20 years from now. Thus then you can determine where and what

kinds of investments that should be entered.
The most important thing you need to do before investing is to make sure you enhance knowledge relating to investments who surround you as such. You can choose the best, do not be fooled and deceived.
 Investing in a low-risk. At old age (50 or more), you are no longer able to accept the "electric shock" you're not as strong as you used to have power and your brain also was not as good as before. Your heart was
  was not as good as before. Your heart also was not able to take the pressure anymore. therefore, do not look for trouble.

"Discipline yourself so as not to repeat the same mistakes. Make sure the old debts are paid and make savings for the sake of your future "

Use surplus money to pay for all that is still there 2

invest to pay debts
Deposited after the money is in a savings of unexpected situations Convey the amount you want, it's time you invest that surplus savings
at this time, you can invest in places that can provide a considerable advantage.
you do not need to find an easy investment to be exchanged for cash.
these purposes are covered by the savings of an unexpected situation.
investment is paramount to increase of your income so that you do not depend solely on salary.
investment also makes provision in the old days when you have retired.
imagine if you had retired.
at the time, you do not receive income again, except civil servants receiving pensions. first, the expenditure can be calculated from the full salary.
however, now-after retirement only got half pay every month.
like it or not, you are forced to switch, you're forced to exchange a car that has a big cc Becomes lower.
you are also no longer Able to stay at home roomates is great.
 
pay other debts.
Now is a good time to use some portion of investment gains to pay the debt the other, the principal debt, such as houses and cars.
although this time you never forget, late or overdue payment at the bank, does not mean you can afford in the future.
  what happens if you get sick or laid off? like it or not, are paid a fixed monthly installments.
therefore, unless you have a more important reason to put the interests of others.
do not waste your time and money to use surplus money to pay all the debts are still there.
as already Mentioned in the previous chapter, car purchase loans must be repaid no later than three years from the time of purchase.
however, if you have a surplus of money doubled, certainly you the make full payment. thus, you will get discounts or savings for full payment.
 
[Continued ....]

Use surplus money to pay for all that is still there

"Do not waste time and do not waste money. use surplus money to pay for all that is still there"

You will continue to make debt if your heart just wishing does not make loans anymore., Decisions you make debt much influenced by the desire and pressure of your financial condition. if your finances stable, you just need to control our desires. however, if your finances are not healthy, you need a drastic change to heal. if it is not done, you will experience a process owe, owe, pay off the debts, debt, pay debt and eventually bankruptcy.

Provide savings for unexpected situations.
Deposits for unexpected situations is important when you override the disaster. Preparation you should have to deal with a variety of possibilities. Use of credit cards is not the right solution for every disaster in the face. what happens when you have reached your credit card limit?
what happens if you are convicted of the disease, such as diabetes, cancer, high blood pressure? if you can provide money to pay for treatment of the disease? the fastest way is to provide money in savings for unexpected situations, namely by making insurers. at this point, you submit the form with the deposits first, the next day the money is already available millions in savings. however, it depends on the type of insurance that you follow.
impossible to keep 20 or 50 times your salary in a day or a month. if nothing happens as long as you follow the insurance. you will be surprised by the exchange or sharing of benefits from the insurance that you follow. if you do not have your insurance necessitates money to guarantee your family when disaster stricken such termination, paralyzed and in the hospital.

How much should you save?
You have to discipline yourself to save money, you need money in savings is not misused for something that is not an emergency. Because you need discipline, you should make other savings for other needs.

When you have to save?
You have to save for unforeseen circumstances savings since getting the first paycheck. but to this day, many people are storing a credit card to make the handle in when exposed to misfortune.

 
Where is it stored?
There are many options for saving money savings that unexpected situations. You can choose the type of deposits offered by banks. deposit accounts, savings accounts and fixed deposits.
fixed deposit account is the most appropriate because you have to spend cash in quick time.
these investments are liquid investments so that you can redeem into cash as quickly as possible. more easily remove the more easily you use in an emergency.

[continued...]

Characteristics of insurable risks

Characteristics of insurable risks
The risk is that we can not avoid in life, manage risks in order to reduce or transfer risk to others are things you can do. But, not all risks can be insured risk in the insured has the following specific characteristics:

• Losses due to an accident, such as critical illness late stage, hit by natural disasters
• Losses are uncertain, such as death, illness, incapacity or disability, and old age, including a condition that can be identified, such as destroyed buildings, sinking ships, planes crashed.
• Losses are convincing, as someone no longer able to work because of an accident, the machine does not work anymore because of damage.
• Loss rate should be predictable, like someone no longer able to work because of an accident, fire engine so it can not function anymore.
• Not result in catastrophic losses to the insurance company, such as a person's death will not cause the company bankrupt
• Objects can be in the value of insurance money
• Equal, similar, and the quality and sufficient quantity
• Risks that occur must be pure
• Risks that occur due to accidental and unplanned
• Risks that occur are not contrary to the public interest
• Insurance premiums are charged fairly reasonable
• Insuring Party shall have (insurance interest)

Risk Management [Insurance]

Is it insurance?
Insurance can be defined according to the perspective from which you
saw an economic standpoint, law, business, or social interests. That is, there is no definition that can serve the interests of various parties perfectly. Insurance is an agreement between two parties of two or more parties by which the insurer to the insured improve, to receive insurance premium to provide reimbursement to the insured for loss, damage, or loss of expected benefits, or legal liability to third parties which may be suffered insured arising from a payment based on death or life of an insured.
       The explanation is quite long, but it is more simple insurance can be defined as a form of agreement / contract for the transfer of risk for loss of life or property in the form of economic risk and then was taken over by someone or another company, in this case the insurance company

benefits of Insurance
There are eight benefits if we become participants of insurance, are as follows. 

1. Providing security and protection
   Providing security and protection of an insurance policy means the insured will be protected from the possibility of losses arising in the future and be quiet soul because the insured object is guaranteed by the insurer
2. The distribution of costs and benefits of a more equitable
   The distribution of costs and benefits of a more equitable means the greater the risk the risk of loss arising greater coverage premiums
3.  provide certainty
   Provide certainty means a major benefit insurance because insurance is basically trying to reduce the uncertain consequences of an adverse condition (peril) that has been previously estimated that the cost or the financial consequences and the loss is to be defined or relatively sure
4.  means Savings
   Means Saving money means the insured has a cash value that can be taken for certain types of insurance such as whole life or endowment. Fact there are insurance products that are deliberately combined with investment 
5.  Instrument of transfer and spread risk
   Instrument of transfer and spread risk through insurance means that may arise and spread the risk of loss to the insurer.
6. Help improve operations insured
   Helps to increase business activity means the insured that the insured will invest (insured businesses) can be covered by insurance to reduce the risk
7.  Make life quieter
   Means to make life quieter for all risks that can be insured has no bearing then life would be more peaceful and full of spirit
8. credit guarantee
   Credit guarantee insurance policy meant to be used as loan collateral (insurance servers as a basis of credit) is usually only for life insurance and is very selective in the types of loans and certain bank.