Social security is one of the successes gotten by the Americans. The program provides a foundation of economics security for more than 47 million Americans and their families. The reason for the built in protections, we have come close to eliminating poverty among seniors. It also helps in the provision of basic income to millions of families who have suffered the death or disability of a wage earner.

The financial security of social security is very strong. In 2003, it took in the rate of $161 billion more than it paid out in benefits. These programs have the resources to provide benefits for the baby boomers and their children and grandchildren. The security trustees predict that it will pay ever -increasing benefits through at least many more years to come when a surviving baby boomer will be mostly in his/her 80s and 90s. If the US economy long-term growth rate falls to half the level of the past 50 years, the trust fund may be depleted after 2042, but social security payroll taxes alone would still cover benefits worth an estimated $1000 more after inflation than today's senior receive.

Using less -pessimistic assumptions, the trustees low - cost long term forecast predicts that it will continue to provide each generation of retirees with more generous benefits than their predecessors through the entire 21st century. If social security finances are really in good shape why have so many politicians, policy analysts,and reporters warned us that something must be done to save it? How we have so many Americans become convinced that it won't be there for them.

Misconceptions about social security are widespread because predictions about the distant future based on multiples assumptions are reported as facts", frequently distorted,and almost always considered out of context. In addition, some organizations and individuals committed to privatizing it are driven by ideology or hope of profiting from the billions of dollars in investments fees that a privatized system could generate.

The majority of American would be worse off financially under a privatized system, all would be far less secure,and creating a new system would cost trillions of new tax dollars. Therefore, undermining faith in the existing program has been a major strategy private organizations have used to promote their agenda.

This report provides background information on how social security works, explains how it is that Americans can easily afford it in the long run even as our population ages, and points out fundamental problems with proposals to privatize the program.

Finally, it recommends ways we should improve social security to serve Americans better. While we most often see it as a retirement program, 30% of beneficiaries collect survivors of disability insurance. Social security survivors insurance provides benefits to the families of deceased workers, including children under 18, 18 and 19 years -olds in high school, disabled sons or daughters of any age, elderly dependent parents, and surviving spouses who are elderly, disabled, or caring for eligible children




widget here

As we know one way of risk prevention is to insure a risk to the insurance company. This method is considered the most important method in tackling risk. Therefore many people think that risk management is the same as insurance. Though the actual circumstances are not so.

Insurance means the insurance transaction, which involves two parties, the insured and the insurer. Where the insurer guarantees the insured person, that he will be reimbursed for a loss which he may suffer, as a result of an event that would not necessarily occur or which could not be determined when or when it occurred. As the insured in the obligation to pay some money to the insurer, the amount of proportion of the sum insured, commonly called "premium".

Viewed from several angles, the insurance has a variety of goals and techniques of splitting, among others:

A. From an economic perspective, then:
The goal:
Reducing the uncertainty of the results of operations undertaken by a person or company in order to meet the needs or achieve goals.

Technique:
By transferring the risk to the other party and the other party combining a considerable amount of risk, so it can be estimated with more precise the magnitude of the possibility of loss.

B. In terms of Law, then:
The goal:
Transferring the risks faced by an object or a business activity to another party.

Technique:
Through premium payments by the insured to the insurer in the indemnity contract (insurance policy), then the risk of transferring to the insurer.

C. In terms of Trade, then:
The goal:
Share the risks faced to all participants of the insurance program.

Technique:
Transferred risk from individuals / companies to financial institutions engaged in risk management (insurance companies), which will share the risk to all participants of the insurance it handles.






widget here

These three methods are used by millions of people to find their insurance, and everyone uses them in different ways. So, which is the best way? And how can you get insured as quickly as possible on a great policy?

The fastest way for sure is to use the internet. Instead of spending hours on the phone and walking along the high-street, you are just a few clicks away from pretty much any major insurance company in the world. You can search for them based on their reputation, or their prices, or any other criteria that you are looking for, and there are no shortage of websites to help you choose a particular insurance company. All this can be done with minimal stress, minimal hassle, and can easily be logged so you know which insurance companies you have considered, which you have chosen to avoid, and which you are interested in.

Another great advantage of using the internet is that you can get a quote in a matter of minutes. Instead of lengthy phone calls and long interviews, you can simply input your data into a short form and you'll get an accurate quote back immediately. Most decent insurance companies offer this capability these days, and you'd be surprised how accurate the quotes can be. Of course, if you have some exceptional circumstances or there is important information that the form doesn't cover, the quote won't be as accurate as possible, but it will certainly give you a fairly good indication of what you could end up paying. With such a quick way of getting a quote, you can easily rule out any insurance companies which you can see are instantly far too expensive (or even far too cheap). You can do this easily, and without the insurance company hassling you like they might do if you were talking to them on the phone or in person. You can then simply move on to the next insurance company if you weren't happy with the quote, or start the process if you were.

Once you've found and chosen the insurance company you want to work with, the internet once again comes to your rescue. Instead of filling out lengthy forms, and having to keep calling the insurance company, everything can be handled online. This has numerous advantages; every communication you have with the insurance company is tracked, so you know that if there are problems in the future, you have everything on record. Another advantage is the fact that everything will be kept organized, and you'll be able to quickly email the person in charge of your case. Everything about your policy will be clearly presented to you on the page, and you won't need to worry about any nasty surprises in the future.







widget here

Doesn't it seem like everything we do today requires a password? I would say that forgetting a password is like forgetting your keys, but it's probably worse. We all know how important passwords are, but honestly, strong passwords that are impossible to guess are also impossible to remember. This is why some of our passwords aren't as strong as they need to be.

That being said, there is a difference between a weak password and a worthless password. And, far too many people are using worthless passwords. Obviously, no one deserves to be a victim of online fraud or identity theft, but some people are almost inviting criminals to ruin their lives.

If you think this is being too harsh, think again. Look at SplashData's Worst Passwords of 2016, which is based on over 5 million passwords that were posted or advertised for sale on the Internet.

- 123456
password
- 12345
- 12345678
- football
- qwerty
- 1234567890
- 1234567
- princess
- 1234

This list makes it easy to understand how passwords can be rendered virtually worthless by being weak. It's absurd to think anyone is actually using these passwords, but it's true. Unfortunately, it doesn't look like people are learning their lesson.
123456 and password remain atop the list of worst passwords for the third straight year.
Though eight new passwords cracked the top 25 in 2016, including hottie, loveme and flower, seventeen of them made the list in 2015.
But wait, it gets even worse. These passwords are actually being used to protect a different kind of sensitive information. The kind of information that the world can know, but a spouse cannot.
Millions of passwords were leaked during the Ashley Madison breach. If you thought people would use strong passwords to conceal their infidelity, if not their account numbers, you'd be wrong. Here are the top 5 passwords revealed by the breach:

- 123456
- 12345
password
- DEFAULT
- 123456789
Passwords are the first line of defense against unauthorized access to our personal and professional lives. Passwords that are memorable are typically weak. They must be strong to be effective. According to Microsoft, a strong password:
Is at least eight characters long.
Doesn't contain your user name, real name or company name.
Doesn't contain a complete word.
Is significantly different from previous passwords.
Contains uppercase and lowercase characters, numbers and symbols.
There are various insurance products specifically designed for identity theft and other cyber threats. Quite frankly, we've gotten to the point where everyone should have this kind of insurance coverage. Nevertheless, even though insurance can help you recover after an incident, preventing incidents from ever happening should still be the goal.







widget here

Are you one of the many expats who would like to look for work in Indonesia? Then, this article is for you! We get many inquiries on this site and postings on the Expat Forum from expatriates who want to relocate to Indonesia, or are already here, perhaps as a “trailing spouse”, and are looking for work.

Although researching the job possibilities may start prior to arriving in Indonesia it is preferable that you are physically in country before you start to send out CVs. Being able to respond immediately to leads and requests for interviews, as well as to network, is invaluable in a job search. Frankly speaking, it will be very hard for you to locate employment in Indonesia, if you are not physically there.

Advertise






Government policies towards hiring expats

Be informed that employment in Indonesia is not truly open to expatriates. Early 2016 statistics show that nearly 5.5% of the population is unemployed and a significant percentage of those are professionals. Indonesian government policy is very clear that it does not want a company in Indonesia, domestic or foreign, to hire an expatriate for a job that can be done by an Indonesian. There are too many unemployed Indonesians looking for work!

This policy pretty much precludes the young, adventuring expat with little work experience from getting a job in Indonesia, except as an English teacher or volunteer with an international organization.

Indonesia is one of the few countries in the word that has a Negative Investment List. This is a list issued by the government that prohibits or restricts foreign investment in particular sectors. Obviously if investment is restricted, employment in those sectors is also affected.

Advertise










justify why this position needs to be filled by an expat,
show that the expat has the proper educational background
satisfy the questions of the department of manpower at the interview
And there must be an open slot in the company's submitted/approved manpower plan
If these requirements (and others) are satisifed, then the expatriate can be issued a work permit. After the work permit is approved, the company can apply for a semi-resident visa for the new employee - Work Permit First - Visa Second! More information on documents needed by expatriates can be found at Visas and Documentation.

If you do not have a work permit, you are not working legally! Be sure that your employer has gotten the full documentation for you. Some employment in the informal section is allowed if the foreigner is married to an Indonesia, but the regulations aren't 100% clear on this exception and are open to interpretation.

In addition to the applications and bureaucratic hassles of hiring foreigners, the company must pay a monthly tax of $100 for each foreigner they hire. These funds are paid to the Manpower Ministry - who uses the funds for training programs to increase the skills of Indonesians. Just this tax alone results in a $1,200 cost/year/foreign employee to the hiring company.





widget here

Are you one of the many expats who would like to look for work in Indonesia? Then, this article is for you! We get many inquiries on this site and postings on the Expat Forum from expatriates who want to relocate to Indonesia, or are already here, perhaps as a “trailing spouse”, and are looking for work.

Although researching the job possibilities may start prior to arriving in Indonesia it is preferable that you are physically in country before you start to send out CVs. Being able to respond immediately to leads and requests for interviews, as well as to network, is invaluable in a job search. Frankly speaking, it will be very hard for you to locate employment in Indonesia, if you are not physically there.

Advertise






Government policies towards hiring expats

Be informed that employment in Indonesia is not truly open to expatriates. Early 2016 statistics show that nearly 5.5% of the population is unemployed and a significant percentage of those are professionals. Indonesian government policy is very clear that it does not want a company in Indonesia, domestic or foreign, to hire an expatriate for a job that can be done by an Indonesian. There are too many unemployed Indonesians looking for work!

This policy pretty much precludes the young, adventuring expat with little work experience from getting a job in Indonesia, except as an English teacher or volunteer with an international organization.

Indonesia is one of the few countries in the word that has a Negative Investment List. This is a list issued by the government that prohibits or restricts foreign investment in particular sectors. Obviously if investment is restricted, employment in those sectors is also affected.

Advertise










justify why this position needs to be filled by an expat,
show that the expat has the proper educational background
satisfy the questions of the department of manpower at the interview
And there must be an open slot in the company's submitted/approved manpower plan
If these requirements (and others) are satisifed, then the expatriate can be issued a work permit. After the work permit is approved, the company can apply for a semi-resident visa for the new employee - Work Permit First - Visa Second! More information on documents needed by expatriates can be found at Visas and Documentation.

If you do not have a work permit, you are not working legally! Be sure that your employer has gotten the full documentation for you. Some employment in the informal section is allowed if the foreigner is married to an Indonesia, but the regulations aren't 100% clear on this exception and are open to interpretation.

In addition to the applications and bureaucratic hassles of hiring foreigners, the company must pay a monthly tax of $100 for each foreigner they hire. These funds are paid to the Manpower Ministry - who uses the funds for training programs to increase the skills of Indonesians. Just this tax alone results in a $1,200 cost/year/foreign employee to the hiring company.





widget here

Are you one of the many expats who would like to look for work in Indonesia? Then, this article is for you! We get many inquiries on this site and postings on the Expat Forum from expatriates who want to relocate to Indonesia, or are already here, perhaps as a “trailing spouse”, and are looking for work.

Although researching the job possibilities may start prior to arriving in Indonesia it is preferable that you are physically in country before you start to send out CVs. Being able to respond immediately to leads and requests for interviews, as well as to network, is invaluable in a job search. Frankly speaking, it will be very hard for you to locate employment in Indonesia, if you are not physically there.

Advertise






Government policies towards hiring expats

Be informed that employment in Indonesia is not truly open to expatriates. Early 2016 statistics show that nearly 5.5% of the population is unemployed and a significant percentage of those are professionals. Indonesian government policy is very clear that it does not want a company in Indonesia, domestic or foreign, to hire an expatriate for a job that can be done by an Indonesian. There are too many unemployed Indonesians looking for work!

This policy pretty much precludes the young, adventuring expat with little work experience from getting a job in Indonesia, except as an English teacher or volunteer with an international organization.

Indonesia is one of the few countries in the word that has a Negative Investment List. This is a list issued by the government that prohibits or restricts foreign investment in particular sectors. Obviously if investment is restricted, employment in those sectors is also affected.

Advertise










justify why this position needs to be filled by an expat,
show that the expat has the proper educational background
satisfy the questions of the department of manpower at the interview
And there must be an open slot in the company's submitted/approved manpower plan
If these requirements (and others) are satisifed, then the expatriate can be issued a work permit. After the work permit is approved, the company can apply for a semi-resident visa for the new employee - Work Permit First - Visa Second! More information on documents needed by expatriates can be found at Visas and Documentation.

If you do not have a work permit, you are not working legally! Be sure that your employer has gotten the full documentation for you. Some employment in the informal section is allowed if the foreigner is married to an Indonesia, but the regulations aren't 100% clear on this exception and are open to interpretation.

In addition to the applications and bureaucratic hassles of hiring foreigners, the company must pay a monthly tax of $100 for each foreigner they hire. These funds are paid to the Manpower Ministry - who uses the funds for training programs to increase the skills of Indonesians. Just this tax alone results in a $1,200 cost/year/foreign employee to the hiring company.





widget here