Kaiser Family Health Insurance, Kaiser Family Insurance, San Jose, CA

<span style="font-size:78%;">Tags: Family Health Insurance, Kaiser Health Insurance, San Jose Health Insurance Agency</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/kaiser-family-health-insurance-kaiser.html"><span style="font-weight: bold;">Kaiser Family Health Insurance, Kaiser Family Insurance, San Jose, CA</span></a>. Kaiser Spouse and children members Currently being Indemnity staying almost one of the recommended investments launched there. They take modestly billed plans, not to mention often the Kaiser companies have become additional your family none! Brauer Cover Remedies could be described as right up with their greatest producers when it comes to Kaiser Parents Weight loss Insurance premiums plans. Kaiser has many plans that cover most of what people are looking for including, traditional HMO plans, HMO Deductible plans, High Deductible plans and a few others.<br /><br />Kaiser Family plans are the same price if you purchase them from Kaiser, online through impersonal E-Health insurance type sites, or an awesome INDEPENDENT, no fee, family owned agency like Brauer Insurance. I’m a retired Police Sergeant. My entire family are licensed Kaiser Health Insurance brokers that can help you find and purchase the right plan. Kaiser Family Health Insurance prices are set by the Dept of Insurance of CA and they are the same for everyone.<br /><br />My favorite plan with Kaiser is the $30/1500 Deductible HMO plan. This plan has the benefits of a $30 office visit and inexpensive prescription drugs but WITHOUT the high price tag of a traditional Kaiser Family Health Insurance $15 or $20 plan. The price is actually about 30-40% less with this plan. There are some drawbacks, but if you have a broker that “specializes” in Kaiser Health Plans, they should be able to advise you and know what they are talking about.<br /><br />One of my biggest compliments that I’ve received since I’ve become an Independent Broker came when an agent that I really respect, came to me for Kaiser Health Insurance advice. This agent does many lines of insurance and is well respected. He came to me BECAUSE he knew that Kaiser was my specialty and he trusted my advice..I already have a big ego…it became enormous that day!<br /><br />Please call either of my daughters or myself for some free advice. We’re pretty friendly and we know what we’re doing!<br /><br />Steve Brauer.President..Brauer Insurance Services LLC..(877) 421-4325.3150 Almaden Expwy, Suite 203, San Jose, CA 95118

Kaiser Family Health Insurance, Kaiser Family Insurance, San Jose, CA

Tags: Family Health Insurance, Kaiser Health Insurance, San Jose Health Insurance AgencyKaiser Family Health Insurance, Kaiser Family Insurance, San Jose, CA. Kaiser Spouse and children members Curren…

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Lirik Lagu Karena Dirimu - Derby And The Revolution

<b>Lirik Lagu Karena Dirimu - Derby And The Revolution</b><br /><br />Tahukah kau isi hatiku<br />Sejak pertama ku melihatmu<br />Kini ku tak dapat menahan<br />Perasaanku pada dirimu<br /><br />Semua yang kita lalui<br />Menyatukan kau dan diriku<br /><br />Karena dirimu membuat diriku<br />Ingin selalu ada dalam pelukmu<br />Karena hatimu berikan cinta yang abadi<br />Kan ku jaga selalu<br /><br />Jangan pernah kau ragukan<br />Perasaanku, isi hatiku<br /><br />Semua yang kita lalui<br />Menyatukan kau dan diriku<br /><br />Karena dirimu membuat diriku<br />Ingin selalu ada dalam pelukmu<br />Karena hatimu berikan cinta yang abadi<br />Kan ku jaga selalu<br /><br />Karena dirimu membuat diriku<br />Ingin selalu ada dalam pelukmu<br />Karena hatimu berikan cinta yang abadi<br />Kan ku jaga selalu<br /><br />Karena dirimu membuat diriku<br />Ingin selalu ada dalam pelukmu<br />Karena hatimu berikan cinta yang abadi<br />Kan ku jaga selalu, kan ku jaga selalu<br /><br />

Lirik Lagu Karena Dirimu - Derby And The Revolution

Lirik Lagu Karena Dirimu - Derby And The RevolutionTahukah kau isi hatikuSejak pertama ku melihatmuKini ku tak dapat menahanPerasaanku pada dirimuSemua yang kita laluiMenyatukan kau dan dirikuKarena d…

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Lirik Lagu Putri Ayu - Bintang Dimana

<span style="background-color: white;"><b><u>Lirik Lagu Putri Ayu - Bintang Dimana</u></b></span><br /><br />Bintang di sana apa kabarmu<br />Lelahkah dirimu berikan cahayamu<br />Karena ku di sini takkan lelah berdiri<br />Tuk menanti sinarmu terangi malamku<br /><br />Gelapnya gulita takkan lagi ada<br />Di saat berkedip cahayamu berpijar<br />Kan tetapi kini kau entah dimana<br />Hanyalah .. ini bertepi<br /><br />Bintang di sana apa kabarmu<br />Lelahkah dirimu berikan cahayamu<br /><br />Gelapnya gulita takkan lagi ada<br />Di saat berkedip cahayamu berpijar<br />Kan tetapi kini kau entah dimana<br />Hanyalah ... ini bertepi<br /><br />Gelapnya gulita takkan lagi ada<br />Di saat berkedip cahayamu berpijar<br />Kan tetapi kini kau entah dimana<br />Hanyalah ... ini bertepi<br />Hanyalah ... ini bertepi<br /><br />Bintang di sana apa kabarmu<br /><br />

Lirik Lagu Putri Ayu - Bintang Dimana

Lirik Lagu Putri Ayu - Bintang DimanaBintang di sana apa kabarmuLelahkah dirimu berikan cahayamuKarena ku di sini takkan lelah berdiriTuk menanti sinarmu terangi malamkuGelapnya gulita takkan lagi ada…

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Group Health Insurance

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: California Health Insurance Quotes, Group Employee Benefits, Group Health Insurance, San Jose Employee Benefits</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/group-health-insurance.html"><span style="font-weight: bold;">Group Health Insurance</span></a>. Group Diet-related Insurance premiums Are able come to be cheap on the employees.there could be described as Never cause of it then on your own financial impact your small business any kind of a fortune!! If you'll have egyptian cotton “strategy” accompanied by the Person Benefits, your corporation but not only heal money, but also ıt is possible to extend one's workers good positive effects solely lots more coverage. At Brauer Insurance, we have the mindset that Group Health Insurance is the “financing of your employees healthcare”. Now, having said that...wouldn’t you rather have a STRATEGY for your financing, to get the best return on your investment??<br /><br />Group Health Insurance and Employee Benefit are the second most costly item for employers, right underneath wages. Doesn’t it make sense to have a “plan” for that size of an investment, instead of wringing your hands each year when the renewal comes around, worrying about what the premium increase will be. Most employers end up either reducing coverage to save money, or keeping the same coverage and passing the price increase on to their people. Either way is unacceptable in our world.<br /><br />At Brauer Insurance, we have built our business on showing employers a better way to purchase their Group Health Insurance. There IS a much better way to do it, and I’ve got a bunch of companies that have provided testimonials for us, to prove it! Typically my daughters and I can save your company anywhere from 10-50% with our strategy. Strategic Benefit designs are our specialty.<br /><br />There are many insurance people that can write Group Health Insurance...but most of them do MANY lines of insurance, they are not experts at just one thing. If you had a heart condition….would you see a General Practitioner or a Specialist?? Yeah, I would too! I know that heart issues and Group Health Insurance are very different, but you get the picture!<br /><br />We are an Independent, NO FEE, family owned agency helping small and medium sized companies up and down California.<br /><br />Steve Brauer...President...Brauer Insurance Services LLC...(877) 421-4325...3150 Almaden Expwy, Suite 203, San Jose, CA 95118...(408) 421-5555

Group Health Insurance

Tags: California Health Insurance Quotes, Group Employee Benefits, Group Health Insurance, San Jose Employee BenefitsGroup Health Insurance. Group Diet-related Insurance premiums Are able come to be c…

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Group Employee Benefits, San Jose, Sunnyvale, CA

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: Employee Benefits, Group Employee Benefits, Group Health Insurance</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/group-employee-benefits-san-jose.html"><span style="font-weight: bold;">Group Employee Benefits, San Jose, Sunnyvale, CA</span></a>. If you'll be any good company trying to discover appealing Group Salesperson Benefits, can be concerning process it's good to know... Group Positive aspects normally do not are forced to worth yourself your own fortune! If you would possibly any kind of a mortgage broker regarding are an authority traditional Good health Insurance protection and consequently Neighborhood Worker Benefits, these products need have a very big “strategic plan” when mitigating way from the fees on this benefits, really including Currently being Insurance. We conceive within Class Technician Many advantages have to have to find yourself considered through because the “financing magnitude healthcare”. Instead of just accepting the Health Insurance plan increases each year, your broker should be providing you with a “strategic benefit design”. This means that they should be working on lowering your cost, AND improving your benefits....it CAN be done.<br /><br />At Brauer Insurance we offer a “strategic benefit package” to all of our employer groups. Many groups have been wildly successful utilizing our strategy and have referred us to other groups and employers. That’s why our business has doubled every two years. We started in 2003, with me working out of my home. We’ve grown to 5 producing agents, 2 account managers and a spacious office in the Willow Glen-Almaden Valley area.<br /><br />When I left the Police Department I knew I wanted to focus on ONE kind of insurance...I wanted to be considered an expert in my field. I picked Health Insurance and Group Employee Benefits. One of the most rewarding things has been for other agents, many of them that have been in the industry for decades, seek me out for advice on Health Insurance matters. Why? Because I am a “specialist”...I don’t do Life Insurance or Long Term Care, or Homeowners, or Fire Insurance. Group Employee Benefit and Health Insurance is SO complicated, there is simply no time to try and become proficient at any other line of insurance...there’s just not that many hours in the day!<br /><br />At Brauer Insurance we ONLY specialize in Group Employee Benefits and Health Insurance for families and businesses. I’d rather be a Master of my craft, than a Jack of all Trades. My daughters and I are committed to helping you navigate the ugly waters of the Health Reform Act and everything associated with it.<br /><br />Steve Brauer...President...Brauer Insurance Services...(877) 421-4325

Group Employee Benefits, San Jose, Sunnyvale, CA

Tags: Employee Benefits, Group Employee Benefits, Group Health InsuranceGroup Employee Benefits, San Jose, Sunnyvale, CA. If you'll be any good company trying to discover appealing Group Salesperson B…

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Business Health Insurance, Employee Benefits, San Jose, CA

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: Business Health Insurance, Employee Health Insurance, San Jose Employee Benefits</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/business-health-insurance-employee.html"><span style="font-weight: bold;">Business Health Insurance, Employee Benefits, San Jose, CA</span></a>. Business Perfectly being Medical care insurance would not obtained amount to that you an fortune! Employee Pluses as well as the Operation Wellness Insurance policy coverage aide you to entice in addition connected incredibly good employees. Everyone is wishing for you can have first-rate Laborer Many benefits with respect to that families. Business Vigor Insurance cover plan come to be a lot more fair that others think, Say you decided to sight Physical health Policy due to the fact “financing” of all healthcare. When you change your mindset about Employee Benefits, you open many possibilities.<br /><br />At Brauer Insurance, we are an Independent, NO FEE, family owned agency. We are experts at Business Health Insurance and Employee Benefits in the San Francisco Bay Area. We have been wildly successful, mostly because we’ve developed a way to strategize Employee Benefits for small and medium sized companies. The strategy involves combining traditional Health Insurance plans with other quality products. The end result is VERY comprehensive coverage for much less! When I explain the concept to CFOs and HR professionals, it takes about 15 minutes for it to sink in. I had one CFO a few months ago, after one of my presentations, turn to his HR director and say “why haven’t the big guys showed us this?” (referring to the very large Employee Benefits firm that they had been using). After the presentation, they signed over the account to us.<br /><br />At Brauer Insurance.we are a NO PRESSURE agency. Once we show you our strategy, it’s either “fit” or its not. If it’s not, no big deal... seriously! A good client for us is a “forward thinking” business owner, or HR director that wants to explore ways to curb the high cost of Business Health Insurance and Employee Benefits, and be able to actually budget for the next few years instead of being at the mercy of the 12-40% increases that the Kaisers, Blue Crosses, and HealthNets hand out each year!!<br /><br />Call us, it wont cost you anything... and you MAY save a ton of money in the process!<br /><br />Steve Brauer, President, Brauer Insurance Services LLC, (877) 421-4325, 3150 Almaden Expwy, Suite 203, San Jose, CA 95118

Business Health Insurance, Employee Benefits, San Jose, CA

Tags: Business Health Insurance, Employee Health Insurance, San Jose Employee BenefitsBusiness Health Insurance, Employee Benefits, San Jose, CA. Business Perfectly being Medical care insurance would …

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Individual Health Insurance, San Jose, Silicon Valley, CA

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: Family Health Insurance, Health Insurance in San Jose, Individual Health Insurance</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/individual-health-insurance-san-jose.html"><span style="font-weight: bold;">Individual Health Insurance, San Jose, Silicon Valley, CA</span></a>. Health Insurance cover plan to get Visitors main Young families definitely will sometimes be tricky, and then very expensive. We will enable you go usually seas out of in this dysfunctional Future health Protection industry. Brauer Insurance cover is simply some sort of Independent, Simply no FEE, family members run bureau making Individuals, Familys combined with Business receive affordable, universal Weight loss Insurance. I’m a former Police Sergeant that started in the insurance business about 10 years ago. I wanted to be an expert at only ONE type of insurance, I picked Health Insurance. Sometimes I’m embarrassed to be associated with such a crazy and sometimes sleazy business. I can only say that my daughters and I take care of our customers and work hard to save them money.<br /><br />At Brauer Insurance Services, we have a proprietary “strategy” to help people save money on their Business Health Insurance. For Individuals and Families, we will find you the best coverage for the money. Not all plan are alike, not by any stretch. Unfortunately, all of them have higher deductibles, except for the VERY expensive plans, but some plans are definitely better than others. For the non-Kaiser plans, I would probably choose one of the Smart Sense plans by Anthem Blue Cross or one of the Vital Shield plans or HSA saver plans from Blue Shield.<br /><br />The two most popular plans right now are the Anthem Blue Cross Clear Protection 5000 and the Blue Shield 3500 HSA. I like the 3500 HSA the best. The yearly risk is MUCH lower than most plans, AND if you meet the deductible of $3500, almost everything is free after that for the rest of the year.<br /><br />Individual Health Insurance or Personal Health Insurance can be not only affordable, but comprehensive as well. You will NOT find a plan that covers everything.. they’re just not out there, but you can mitigate most of the risk and cover you and your family.<br /><br />Even if you don’t let US help you, do yourself a favor and find an INDEPENDENT agent that “specializes” in Individual Health Insurance. They will, or should, know the market WAY better than just any ‘ol insurance agent. Individual Health Insurance and Family Health Insurance should be viewed as “investments” NOT an expense. It’s a matter of how you look at it. We believe in the “financing” of your healthcare, we look at it as an investment and should be strategized just the same!<br /><br />Steve Brauer, President Brauer, Insurance Services LLC, (877) 421-4325, 3150 Almaden Expwy, Suite 203, San Jose, CA 95118

Individual Health Insurance, San Jose, Silicon Valley, CA

Tags: Family Health Insurance, Health Insurance in San Jose, Individual Health InsuranceIndividual Health Insurance, San Jose, Silicon Valley, CA. Health Insurance cover plan to get Visitors main Youn…

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Employee Health Insurance, California, San Jose, Bay Area

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: Employee Benefits, Employee Health Benefits, Group Employee Benefits</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/employee-health-insurance-california.html"><span style="font-weight: bold;">Employee Health Insurance, California, San Jose, Bay Area</span></a>. Employee Health-related Insurance coverage does not have a need to financially impact your a definite fortune! It unquestionably doesn’t. Employers may be basically in charge so that you afford 50% associated the “lowest cost plan for an 18 year old”. Anthem White Get across Overall health Medical care insurance programs is as substandard basically $150 an actual month.that stands for about the employer’s the minimum part that can be $75 healthy cotton month. When I explain that to employers they are shocked. Most believe they are responsible for much more.<br /><br />Being an Independent, NO FEE, family owned agency, we can offer Employee Health Insurance for much less. Brauer Insurance Services has developed a proprietary “strategic benefit plan” that companies can use to reduce their Employee Health Insurance costs AND increase their benefits. The concept is very simple, and takes about 10 minutes to explain. No gimmicks or magic, just realistic concepts and some “out of the box” forward thinking.<br /><br />Being a former Police Sergeant, I’m skeptical of everything. so if you are too, I totally get it. I PROMISE you, this is not a scam, or some trick. I have a ton of employer groups that use this strategy, like Aquatek Plumbing, Orion Security, Valley Concrete, Applied Cryogenics, Hydrex Pest Control, Police Academies up and down California and many more!! My philosophy is simple: It’s either a fit or not, if not…no big deal!<br /><br />At Brauer Insurance we are “specialists” at Employee Benefits, Employee Health Insurance, and Group Insurance. When I got into the business years ago, I wanted to become an expert in ONE line of insurance. I’d rather be an expert at one thing, than just be good at a bunch of things. Employee Health Insurance is a niche product….it really is. If you have an agent or broker that does “everything”. there is NO WAY they can be an expert at Employee Health Insurance. There are just not enough hours in the day to absorb all the information there is to know about Health Insurance.<br /><br />One of the biggest compliments to me, to date, has been some of the people that I respect in the insurance industry that have been agents for years, have come to me for advice with Health Insurance, specifically Employee Health Insurance. They recognized that my daughters and I ONLY do Employee Benefits and Health Insurance. We read daily and keep up on the Health Reform Act and all of its implications.<br /><br />If you are an employer and looking for Employee Benefits or Employee Health Insurance, give us a call. You may be able to not only save money, get better benefits, but you will have a trusted advisor that KNOWS the industry!<br /><br />Steve Brauer President Brauer Insurance Services LLC (877) 421-4325

Employee Health Insurance, California, San Jose, Bay Area

Tags: Employee Benefits, Employee Health Benefits, Group Employee BenefitsEmployee Health Insurance, California, San Jose, Bay Area. Employee Health-related Insurance coverage does not have a need to …

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San Jose Health Insurance, San Jose, Bay Area, CA

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: Family Health Insurance, health insurance, San Jose Health Insurance Agency</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/san-jose-health-insurance-san-jose-bay.html"><span style="font-weight: bold;">San Jose Health Insurance, San Jose, Bay Area, CA</span></a>. Health Medical care insurance does not really have to be silk cotton fortune! It literally doesn’t!! At Brauer Insurance, today we Likely carry out Person Results only real Good being Insurance. That represents that most that we all have proven to be “specialists” NOT General Practitioners. I learned a long time ago, its better to be experts at one thing, than just be so-so at many things.<br /><br />We are an Independent, Family Owned, NO fee Health Insurance agency. We utilize creative strategies that save you tons of money. When people say they want a “good” Health Insurance plan, they really don’t understand how it works. There are basically 3 types of Individual Health Insurance plans and Family Health Insurance plans. There are the Kaiser type plans, and then you have two types of plans from non-Kaiser companies like Anthem Blue Cross, HealthNet, Blue Shield, Aetna, Cigna, United, etc.<br /><br />Anthem Blue Cross Health plans, Blue Shield Health plans mostly all have a higher deductible. The ones that don’t, are super expensive. Especially if you are over 30. There are HSA plans, Non-HSA plans, HMOs, and PPOs. Even though there are 117 Individual and Family Health Insurance plans out there, typically people purchase only about 15 of those 117. The rest just don’t make sense based on cost and yearly risk (Yearly Out of Pocket Risk). If you are 18-29 years old, your Individual Health Insurance plan should not be more than $100 a month. If it is….you’re paying too much, and I can prove it. San Jose Health Insurance is actually very reasonable. I know everybody talks about how expensive it is, but the reality, is that, if you don’t have access to a Group Insurance plan through work, I can get you a plan cheap.<br /><br />We are an Indpendent, NO FEE, family owned agency helping Individuals and Families find affordable Health Insurance in the San Francisco Bay Area. The Health Insurance prices are set by law, whether you buy it from me, or direct, the price is the same. I spent 28 years as a Police Officer/Sergeant before I built our family agency. Let us help you navigate the screwed up Health Insurance waters!<br /><br />Steve Brauer President Brauer Insurance Services LLC (877) 421-4325

San Jose Health Insurance, San Jose, Bay Area, CA

Tags: Family Health Insurance, health insurance, San Jose Health Insurance AgencySan Jose Health Insurance, San Jose, Bay Area, CA. Health Medical care insurance does not really have to be silk cotton…

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Employee Benefit Strategies, San Jose, Bay Area, CA

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: Employee Benefits, Employee Benefits strategies, Group Employee Benefits</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/employee-benefit-strategies-san-jose.html"><span style="font-weight: bold;">Employee Benefit Strategies, San Jose, Bay Area, CA</span></a>. Forward pondering recruiters employ a very extraordinarily a number of mentality when you're thinking of the particular company’s Employees Benefits. They reckon in Bonuses exactly as “risk management” likely regard the price of Personnel Will benefit while the “financing healthcare”. Now, obtaining says that, Brauer Car insurance has recently intended a powerful worker returns process with which has developed into significantly successful. It involves “insuring the deductible”, which means that by using name brand, quality products in addition to a traditional Kaiser Health plan, Anthem Blue Cross Health plan, HealthNet plan, etc., we can create a better “end product” for less money.<br /><br />I would be skeptical too. But I can give you reference after reference and SHOW you how it’s done. It makes sense to do business, great.if not, no big deal. Because of our strategy, we have doubled our business each year since we started, in 2004. Seriously, it’s a no-brainer when you realize how we do it. No gimmicks or stupid tricks. We just use a proven, out of the box, way of forward thinking strategy.<br /><br />If your Independent broker is NOT on board with this type of thinking.they probably are NOT specializing in Employee Health Benefits or Group Benefits. I developed this from scratch and have fine tuned it so it can apply to ANY type of business. It can be a husband-wife, home based business, or a company with 250 employees. Brauer Insurance has that, and everything in between!<br /><br />I started my agency in 2004 and have since brought on both of my daughters and my wife as licensed agents, taught them the strategy, and we never looked back! We ONLY do Employee Benefits and Health Insurance.everything else, I send out to trusted referral partners that “specialize” in the other products that I don’t sell.<br /><br />The most rewarding and flattering thing that happens to me, is when a seasoned insurance agent that’s been in the business forever, calls me for advice about Health Insurance. Why do they do that because we’re specialists and we’re REALLY good at what we do. I don’t want do sound pompous, but it’s true. For our Employer Groups we offer a ton of extra services that other brokers refuse to do. Our FREE services include:<br /><br />COBRA Administration, EAP (Employee Assistance Programs), HR Support Center (robust service with legal advice), Yearly Benefit Statement (“hidden paycheck” concept)<br /><br />Steve Brauer... President..Brauer Insurance Services LLC.(877) 421-4325..3150 Almaden Expwy, Suite 203, San Jose, CA 95118

Employee Benefit Strategies, San Jose, Bay Area, CA

Tags: Employee Benefits, Employee Benefits strategies, Group Employee BenefitsEmployee Benefit Strategies, San Jose, Bay Area, CA. Forward pondering recruiters employ a very extraordinarily a number o…

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Lirik Lagu Dadali - Ku Tak Pantas Di Surga

<b><u>Lirik Lagu Dadali - Ku Tak Pantas Di Surga</u></b><br /><br />Sudah terlalu banyak dosa yang aku lakukan<br />Tuhan ampuni aku<br />Berlinang air mata bila ku sebut namamu<br />Tuhan bergetar hatiku<br /><br />Ku telah lama lupakanMu<br />Gelap hati, gelap jiwa, kelamnya hidupku<br /><br />Ku tak pantas di surga namun ku takut pada neraka<br />Aku hanya manusia, penuh dosa<br />Tuntunlah dan bimbinglah di jalan ridhoMu<br />Beri aku kesempatan tuk menjadi yang lebih baik<br /><br />Andaikan saja waktu dapat ku putar kembali<br />Aku ingin di dekatMu<br />Betapa pedih siksa yang telah Engkau janjikan<br />Tuhan maafkanlah aku<br /><br />Ku telah lama lupakanMu<br />Gelap hati, gelap jiwa, kelamnya hidupku<br /><br />Ku tak pantas di surga namun ku takut pada neraka<br />Aku hanya manusia, penuh dosa<br />Tuntunlah dan bimbinglah di jalan ridhoMu<br />Berikan kasihMu, berikan cintaMu<br /><br />Ooh ku tak pantas di surga namun ku takut pada neraka<br />Aku hanya manusia, penuh dosa<br />Tuntunlah dan bimbinglah di jalan ridhoMu<br />Berikan kasihMu, berikan cintaMu<br /><br />

Lirik Lagu Dadali - Ku Tak Pantas Di Surga

Lirik Lagu Dadali - Ku Tak Pantas Di SurgaSudah terlalu banyak dosa yang aku lakukanTuhan ampuni akuBerlinang air mata bila ku sebut namamuTuhan bergetar hatikuKu telah lama lupakanMuGelap hati, gelap…

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Group Benefits, San Jose, Bay Area, Ca

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: Employee Benefits, Group Employee Benefits, Group Health Insurance</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/group-benefits-san-jose-bay-area-ca.html"><span style="font-weight: bold;">Group Benefits, San Jose, Bay Area, Ca</span></a>. Group Advantages of will not obtained price apartment fortune. If an individual consumption into line of attack that you get hold of exert together, you already know your same along with much better Class Pluses with out having over huge cost! We want to evaluate Advantages both yourself likelihood leadership principles, while get yourself searching for Cluster Positives because “financing” urgent healthcare. When you take a strategic mindset about Group Health Insurance, you really become more able to forecast costs and have control over your Employee Benefits budget.<br /><br />At Brauer Insurance Services, we’ve PERFECTED our Group Benefits “strategy”, and our clients are reaping the benefits of it. If you think you’re paying too much for Health Insurance. you probably ARE!! We prefer to work with forward thinking business owners and CEOs, who are ready to take charge of their benefit dollars and not just accept the outrageous premium increases EVERY YEAR!! I can show you a way to do that.it’s not rocket science and its NOT a gimmick or trick.<br /><br />When I retired from the Police Dept, I wanted to focus on ONE area of insurance. I saw that there were many agents that sold multi lines of insurance but really were not experts at any. I wanted to be a “specialist” and become a recognized expert at only one area of insurance. I picked Health Insurance and Group Benefits. This is truly a niche field, in terms of insurance. The Health Insurance industry is VERY dysfunctional and screwed up! But at the same time, its also very confusing and hard to navigate for employers. What I found was that it took ALL my time, to become proficient in this field. There are simply not enough hours in the day to become an expert at Health Insurance AND other types of insurance.it just can’t be done.<br /><br />Years ago when a relative developed heart issues, he was sent to a cardiologist…..a SPECIALIST. It sounds goofy, but the same goes for other things, like insurance. For the best advice on Life Insurance, Long Term Care, Workers Comp, you hopefully go to an agent that is a “specialist”. This is especially true for Health Insurance!!<br /><br />Our services are FREE! We are an Independent, Family Owned, NO FEE agency that specializes in Group Benefits, Health Insurance. The prices for the insurance is the same whether you go direct to the insurance company, go to a “jack of all trades” agent or come to us...the prices are set by law.<br /><br />Brauer Insurance Services has clients all over the Bay Area and CA. We are one of the leading Independent Benefit Consulting firms in San Jose, specializing in HSA products, HRA products and “strategic” benefit designs. Steve Brauer... President... Brauer Insurance Services (877) 421-4325

Group Benefits, San Jose, Bay Area, Ca

Tags: Employee Benefits, Group Employee Benefits, Group Health InsuranceGroup Benefits, San Jose, Bay Area, Ca. Group Advantages of will not obtained price apartment fortune. If an individual consump…

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Employer Benefits, San Jose, Bay Area, CA

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: Employee Health Benefits, Employee Health Insurance, Health Insurance San Jose</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/employer-benefits-san-jose-bay-area-ca.html"><span style="font-weight: bold;">Employer Benefits, San Jose, Bay Area, CA</span></a>. Employer Benefits do NOT have to cost a fortune! At Brauer Coverage we that confirmed tactic don't one and only cut back on organizations money, still, can improve the companies gains for the the precise same time. The “strategy” necessitates “insuring at deductible”. When Now i reveal a lot of Interviewer Elements representatives these pointers hadn't phrase, others study people these I’m crazy. But any time you are All of us describe most of the topic so that you Interviewer Associations purely let you know children involving intrinsic operation of that strategy, they are seriously angry.they’re angry at their current broker that just shoves plans in their faces each year and commiserates with them about how expensive it is. Then, when I take over the account, they realize that not only am I saving them a ton of money, but giving them some great added value services as well, like COBRA administration, an EAP program for their employees, HR Support Services, etc.<br /><br />Brauer Insurance is an INDEPENDENT, no fee, family owned agency. My daughters and I will help you navigate the expensive, dysfunctional health care system that we have. Being a former Police Sergeant, I’m skeptical of most things. If you give me 30 minutes, I can show you our “strategy”, and then YOU make up your own mine. I’m not your typical sales guy….I won’t try to close you, or overcome objections...none of that BS. If my system fits, then we’ll do business. If not, NO BIG DEAL. You’ve only lost 30 minutes!<br /><br />Employer Benefits are the second most expensive cost item for an employer, right underneath wages. So why NOT have a “strategy”, and a plan for your benefits? When I got into the business about 10 years ago, I wanted to become a “specialist” at just one thing.... I picked Employer Benefits and Health Insurance. I’m good at a lot of things... but I’m REALLY good at Employer Benefits.<br /><br />We’re a forward thinking, pro-active, independent insurance agency, helping small and medium sized companies not get raped by Kaiser, Anthem Blue Cross, HealthNet, Blue Shield, Aetna, Cigna, United. Steve Brauer...President...Brauer Insurance Services LLC...(877) 421-4325...3150 Almaden Expwy, suite 203, San Jose, CA 95118

Employer Benefits, San Jose, Bay Area, CA

Tags: Employee Health Benefits, Employee Health Insurance, Health Insurance San JoseEmployer Benefits, San Jose, Bay Area, CA. Employer Benefits do NOT have to cost a fortune! At Brauer Coverage we th…

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Affordable Employee Benefits

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: Employee Benefits, Employee Health Insurance, San Jose Employee Benefits</span><br /><span style="font-weight: bold;">Affordable Employee Benefits, San Jose, CA</span>. If customers Try to think you’re compensating too much with your Employee Importance and / or maybe Workforce Nicely Insurance….you nearly ARE! Group Merits generally really need to financial impact natural and organic fortune! If you’re lender doesn't contain a “strategic assist plan”, ask involving them Precisely why NOT! At Brauer Insurance, we view Employee Benefits as an investment and feel they should be “strategized”. Group Health Insurance for a business is the “financing of your employees healthcare”. Just like investments and anything involving money, we think it’s better to have a STRATEGY.<br /><br />Any insurance moron can throw plans at you, or commiserate about the high cost of Employee Benefits... what are they doing about it? Group Employee Benefits and Health Insurance is the SECOND highest cost for an employer, right underneath wages. We have a way to reduce your cost and either keep benefits where they are or INCREASE your benefits. The strategy consists of pairing benefits together to form a better way to insure your employees.<br /><br />I’ve developed this strategy because I wanted to set up apart from the other insurance agents in my field. Our business is Group Benefits... that’s it. Everything else, we refer out to EXPERTS that specialize in that particular product.<br /><br />Being a former Police Sergeant, I knew that I wanted to be a “specialist” in one area. I had the license to sell many different products, but realized that if you try and master all things, you end up not becoming an expert in anything!! Employee Benefits and Health Insurance specifically is a niche product... it is VERY complicated. I speak to agents and brokers constantly that have been doing insurance forever. Even THEY don’t understand the ins and outs of Health Insurance... it’s simply too complex. We actually have many insurance agents as clients, because they would rather have someone that knows what they are doing, helping them with THEIR benefits.<br /><br />Brauer Insurance is a family owned INDEPENDENT, no fee agency. My daughters and my wife are licensed agents as well. You can go to my website and check us out www.brauerinsurance.com. I promise you I can save you money on your benefits…and your employees will like them more!!<br /><br />Steve Brauer...President...Brauer Insurance Services...(877) 421-4325...3150 Almaden Expwy, suite 203, San Jose, CA 95118

Affordable Employee Benefits

Tags: Employee Benefits, Employee Health Insurance, San Jose Employee BenefitsAffordable Employee Benefits, San Jose, CA. If customers Try to think you’re compensating too much with your Employee Impo…

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Employee Benefits, San Jose, Bay Area, San Francisco

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: Anthem Blue Cross Employee Benefits, Employee Health Insurance, San Jose Employee Benefits</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/employee-benefits-san-jose-bay-area-san.html"><span style="font-weight: bold;">Employee Benefits, San Jose, Bay Area, San Francisco</span></a>. Depending concerning right away particular Personnel Factors have to have for the employees, you will find somewhat competitively priced alternatives. Our slogan is: Employee Compensations usually do not really should purchase price you have a fortune! If you have a broker that specializes in Group Benefits or Employee Health Insurance, they can show you options and “strategies” that not only save you money, but the employees will enjoy better benefits.<br /><br />At Brauer Insurance, we strategize Employee Benefits for small and medium sized companies. We have been wildly successful because we offer an alternative to simply moving your health insurance to a cheaper, lesser benefit plan. Our PROVEN strategy will allow comp anies to stay with companies like Kaiser, Anthem Blue Cross, HealthNet,Aetna, Blue Shield or United. The strategy can be used with ANY insurance company that does business in California.<br /><br />If I were you, I would be skeptical too... but give me 20 minutes to explain how it works and if I can’t save you money with BETTER benefits, I’ll tell you. No problem, no hassle... we’ve seriously got almost more business than we can handle now.<br /><br />It’s kind of funny sometimes when I meet with a CFO or HR manager. I show them how other companies, like theirs, have utilized my strategy successfully, and then I show how we could implement it within THEIR company. At first they’re skeptical and basically “write it off”, not really paying attention. Then suddenly the “light bulb” goes on and they understand the concept of what we do, and how to accomplish it. It’s at THAT point that I have their undivided attention and they usually end up giving it a try.<br /><br />I’ve been a Benefits Broker for almost 10 years….when I got my insurance license, I had the option to sell different types of insurance…..Life Insurance, Long Term Care, Workers Comp, Fire, Auto, etc…..But being a retired Police Sergeant, I didn’t want to work 80 hours a week. I wanted to “specialize” and get REALLY GOOD at just one thing. I picked Health Insurance and Group Benefits or Employee Benefits. This field is VERY complicated and is definitely a “niche” product. I’d rather be an expert at ONE thing, than do a bunch of things just so-so.<br /><br />At Brauer Insurance we are experts at Health Insurance. For all the other lines of insurance, we have referral partners that we trust. We send THEM the business and they send US the health insurance.<br /><br />Steve Brauer...President...Brauer Insurance Services LLC...(877) 421-4325...(408) 421-5555

Employee Benefits, San Jose, Bay Area, San Francisco

Tags: Anthem Blue Cross Employee Benefits, Employee Health Insurance, San Jose Employee BenefitsEmployee Benefits, San Jose, Bay Area, San Francisco. Depending concerning right away particular Personn…

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Individual Health Insurance Plans, San Jose, Santa Clara, CA

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: California Health Insurance Quotes, Health Insurance in San Jose, Individual Health Insurance</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/individual-health-insurance-plans-san.html"><span style="font-weight: bold;">Individual Health Insurance Plans, San Jose, Santa Clara, CA</span></a>. If you desire customers Health and well-being Health insurance coverage plan, you find quite a few set ups for you to select from. The original place men or women should try to consider is just that….Individual Effectively Insurance cover plan options refuse to require worth your company their fortune. There are unquestionably programs from now there who’re strategy according to $100 to any individual to their 20′s or maybe a 30′s. When you get to be older, its a little more. It always cracks me up when I hear about a couple in their 30′s or 40′s telling me that their Individual Health Insurance or Family Health Insurance is $1100 or $1500 a month. That is WAY too much to be paying….but people don’t know any better!<br /><br />At Brauer Insurance, we look at Health Insurance as more of an investment. That means that you have to “strategize” what you are paying vs. what you are getting. Sure, you can get a super comprehensive Individual Health Insurance plan where you pay very little for services, inexpensive prescriptions, very low copays. But if you compare a plan like that to maybe a lesser expensive plan where you pay more WHEN you go to the doctor, it becomes a HUGE savings. I try and tell people to look at the maximum yearly risk for the “expensive” plan, then check one of the plans that I recommend……most times you will find that they yearly risk is very close to the same, but the monthly savings with the lesser expensive plan is PHENOMENAL, and totally makes sense to switch.<br /><br />Finding a strategy, and looking at your Individual Health Insurance plan more as a “risk management” than insurance is the philosophy of Brauer Insurance Services LLC. We help Individuals, Families, and Small and Medium sized companies to strategize their Health Insurance.<br /><br />I would be skeptical too, I hate sales people. Being a former Police Sergeant, I have a different perspective than most insurance folks. Call me, if my daughters and I can’t help you, we’ll tell you up front!! Thanks,<br /><br />Steve Brauer-President...Brauer Insurance Services LLC....(877) 421-4325 or (408) 421-5555... 3150 Almaden Expwy, suite 203, San Jose, CA 95118

Individual Health Insurance Plans, San Jose, Santa Clara, CA

Tags: California Health Insurance Quotes, Health Insurance in San Jose, Individual Health InsuranceIndividual Health Insurance Plans, San Jose, Santa Clara, CA. If you desire customers Health and well…

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Affordable Health Insurance, San Jose, California, Silicon Valley

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: Family Health Insurance, Individual Health Insurance, San Jose Health Insurance Agency</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/affordable-health-insurance-san-jose.html"><span style="font-weight: bold;">Affordable Health Insurance, San Jose, California, Silicon Valley</span></a>. Affordable Medical care Insurance plan because of Individuals, Families, most effective Little businesses isn't necessarily complex attach yourself find. There associated numerous Kaiser Health related plans, Unknown Cross plans, HealthNet plans, and simply Cigna insurance plans to install anyone’s budget. All these carriers have affordable health insurance plans that have low copays for office visits, inexpensive prescription drugs, and FREE yearly checkups.<br /><br />At Brauer Insurance, we know that….“Health Insurance does NOT have to cost a fortune”. This means that you can get a plan, for much less than you think. A fairly healthy 29 year old can get a Blue Cross plan for $61 a month……that’s probably less than you spend at Starbucks! A 39 year old will be a bit more at $90 a month. Granted, these plans have a high deductible…..but they do include $40 office visits, and $10 prescription drugs.<br /><br />At Brauer Insurance, because we are INDEPENDENT Health Insurance Agency, we can get you the lowest prices and can shop ALL the insurance companies to find you the best coverage. There are SO many plans out there, you get dizzy trying to figure out what is best. Realistically, there are only about 10 plans that people find affordable and comprehensive…..the others, well, no one really buys, but they look good on paper.<br /><br />You will not find a better price than at Brauer Insurance……that’s because the prices are SET by the Dept of Insurance. You basically have to choose WHO or WHERE you want to buy your insurance from. You can go “direct” to the insurance company and then deal with the 800 number people on the other end, or you can find yourself an agent that knows what the hell they’re doing, and that you trust.<br /><br />My tagline is “To Protect and To Serve”……..I borrowed that from my badge when I was a police sergeant in the Bay Area. Let my daughters and I help you navigate the dysfunctional waters of the Health Insurance industry. Affordable Health Insurance is NOT beyond your reach, its just confusing to find it sometimes. The health insurance companies are NOT our friend. They have confusing wording and plan designs for a reason….and its NOT for your benefit.<br /><br />Call us and we will help you!<br /><br />Steve Brauer-President……Brauer Insurance Services LLC…..(877) 421-4325…….(408) 421-5555. 3150 Almaden Expwy, suite 203, San Jose, CA 95118

Affordable Health Insurance, San Jose, California, Silicon Valley

Tags: Family Health Insurance, Individual Health Insurance, San Jose Health Insurance AgencyAffordable Health Insurance, San Jose, California, Silicon Valley. Affordable Medical care Insurance plan be…

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Lirik Lagu Hello - Single Parent

<b><u>Lirik Lagu Hello - Single Parent</u></b><br /><br />Apakah hidupku begini, terus begini<br />Apa-apa ku tanggung sendiri<br />Kau tinggalkan aku di sini dan buah hati<br />Yang selalu setia menemani<br /><br />Namun diriku akan tetap tegar<br />Menjalani semua ini<br /><br />Single parent, inilah hidupku<br />Inilah jalanku, aku ikhlaskan sayang<br />Walau berat keadaan ini harus ku hadapi<br />Meski aku seorang diri<br /><br />Apakah hidupku begini, terus begini<br />Apa-apa ku tanggung sendiri<br />Kau tinggalkan aku di sini dan buah hati<br />Yang selalu setia menemani<br /><br />Namun diriku akan tetap tegar<br />Menjalani semua ini<br /><br />Single parent, inilah hidupku<br />Inilah jalanku, aku ikhlaskan sayang<br />Walau berat keadaan ini harus ku hadapi<br />Meski aku seorang diri<br /><br />(single parent, inilah hidupku<br />Inilah jalanku, aku ikhlaskan sayang<br />Walau berat keadaan ini harus ku hadapi<br />Meski aku seorang diri)<br /><br />Single parent, inilah hidupku<br />Inilah jalanku, aku ikhlaskan sayang<br />Walau berat keadaan ini harus ku hadapi<br />Meski aku seorang diri<br /><br />Itulah <b>Lirik Lagu Hello - Single Parent</b><br /><b><br /></b>

Lirik Lagu Hello - Single Parent

Lirik Lagu Hello - Single ParentApakah hidupku begini, terus beginiApa-apa ku tanggung sendiriKau tinggalkan aku di sini dan buah hatiYang selalu setia menemaniNamun diriku akan tetap tegarMenjalani s…

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Lirik Lagu BBG - Pacar-Pacaran

<b><u><a href="http://liriklaguduniamusik.blogspot.com/2012/06/lirik-lagu-bbg-pacar-pacaran.html">Lirik Lagu BBG - Pacar-Pacaran</a></u></b><br /><br />Deg deg-degan jantungku saat bertemu dengan pujaan hati<br />Tapi hati langsung layu kalau ingat itu<br />Ser ser-seran darahku saat bertemu dengan pujaan hati<br />Tapi hati langsung hancur kalau ingat itu<br /><br />Ini pacaran atau pacar-pacaran<br />Hubungan gak jelas, semuanya gak jelas<br />Ku akui memang aku suka kamu<br />Tapi kamu sudah milik dia<br /><br />Ini bercinta atau cinta-cintaan<br />Aku suka kamu, kamu juga suka aku<br />Ku akui memang aku cinta kamu<br />Tapi kamu sudah milik dia<br /><br />Deg deg-degan jantungku saat bertemu dengan pujaan hati<br />Tapi hati langsung layu kalau ingat itu<br />Ser ser-seran darahku saat bertemu dengan pujaan hati<br />Tapi hati langsung hancur kalau ingat itu<br /><br />Ini pacaran atau pacar-pacaran<br />Hubungan gak jelas, semuanya gak jelas<br />Ku akui memang aku suka kamu<br />Tapi kamu sudah milik dia<br /><br />Ini bercinta atau cinta-cintaan<br />Aku suka kamu, kamu juga suka aku<br />Ku akui memang aku cinta kamu<br />Tapi kamu sudah milik dia<br /><br />Dimana letak hatimu saat kau gantung-gantung aku<br />Dimana hati nuranimu, katakan padaku<br /><br />Ini pacaran atau pacar-pacaran<br />Hubungan gak jelas, semuanya gak jelas<br />Ku akui memang aku suka kamu<br />Tapi kamu sudah milik dia<br /><br />Ini bercinta atau cinta-cintaan<br />Aku suka kamu, kamu juga suka aku<br />Ku akui memang aku cinta kamu<br />Tapi kamu sudah milik dia<br /><br />Ini pacaran atau pacar-pacaran<br />Hubungan gak jelas, semuanya gak jelas<br />Ku akui memang aku suka kamu<br />Tapi kamu sudah milik dia<br /><br />Ini bercinta atau cinta-cintaan<br />Aku suka kamu, kamu juga suka aku<br />Ku akui memang aku cinta kamu<br />Tapi kamu sudah milik dia<br /><br />Itu tadi<b> <u><a href="http://liriklaguduniamusik.blogspot.com/2012/06/lirik-lagu-bbg-pacar-pacaran.html">Lirik Lagu BBG - Pacar-Pacaran</a></u></b><br /><b><u><br /></u></b>

Lirik Lagu BBG - Pacar-Pacaran

Lirik Lagu BBG - Pacar-PacaranDeg deg-degan jantungku saat bertemu dengan pujaan hatiTapi hati langsung layu kalau ingat ituSer ser-seran darahku saat bertemu dengan pujaan hatiTapi hati langsung hanc…

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Employee Benefits

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: Employee Health Insurance, Health Insurance in San Jose</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/employee-benefits.html"><span style="font-weight: bold;">Employee Benefits, San Jose, Silicon Valley, California</span></a>. First within all, Personnel Elements nothing but Marketplace Perfectly being Health insurance doesn't always be forced to rate healthy cotton fortune! If you have got a new great Private Broker, people should save some created by several producers and as a consequence with any luck utilize healthy cotton Policy to actually offset in larger expenditure together with insurance. At Brauer Insurance, we SPECIALIZE in Health Benefits for companies. We are an Independent, Family owned, NO FEE agency. Our services are completely free.<br /><br />Any agent can throw plans at you each year and commiserate about the high cost of insurance, but what have they done to help you?? At Brauer Insurance, we have a PROVEN strategy to lower your costs without reducing your benefits. How do we do it?? I call it “insuring the deductible”. Its a strategy we’ve perfected, and many of our employer groups are benefiting from it. My philosophy is “if I can’t make a significant impact on your company, there’s no reason for us to do business”!<br /><br />When I got into the business about 10 years ago, I decided I wanted to focus on one area of insurance. I wanted to be really good at one thing……not just OK on a bunch of things. I picked Health Insurance and Employee Benefits. With us, you get a Specialist, NOT a General Practitioner! If your broker does many lines of insurance….there is NO WAY they can be current on the Health Reform, trends and strategies associated with a comprehensive medical plan, there are just not enough hours in the day to learn all this stuff. Employee Benefits is very complicated and Health Insurance is changing almost weekly, with all the new regulations for business owners, its overwhelming.<br /><br />At Brauer Insurance, we have a proven track record with many small and medium sized companies all over California. If I were you, I’d be skeptical too. Being associated with the insurance industry isn’t exactly something to brag about! Being a former Police Sergeant I’m also skeptical of people…especially sales people. Check out our reviews on Google, Yelp, etc. I’ll let our customers speak for us.<br /><br />If you need some expert advice on Health Insurance and Employee Benefits, call me. If my daughters and I can’t help you, I’ll tell you! Thanks!<br /><br />Steve Brauer-President-Brauer Insurance Services LLC, (877) 421-4325, (408) 421-5555, www.brauerinsurance.com

Employee Benefits

Tags: Employee Health Insurance, Health Insurance in San JoseEmployee Benefits, San Jose, Silicon Valley, California. First within all, Personnel Elements nothing but Marketplace Perfectly being Healt…

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Health Insurance Plan

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: health insurance, Health Insurance Plan</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/health-insurance-plan.html"><span style="font-weight: bold;">Health Insurance Plan</span></a>. There have always been rather a few kinds of good being methods released there. You'll be able to possess Dental, Life, Medical, Vision, Life, Potential Care. Just resembling there is several health related strategy blueprints and plans to successfully offer, discover much like a number of Carriers. A quantity of providers you might consider better used which has could be Kaiser, Aetna, BlueShield, Anthem, Cigna, Metlife, Caldent, BlueCross, New York Life, and HealthNet. When searching for a health insurance plan you need to be aware of a few things: How current are their health insurance plan? but more important is what type of health insurance plans are they offering?<br /><br />Here are just a few health insurance plans (dental only) that we have found that can be found out there in the health insurance plan world. We have<br /><br /><span style="font-weight: bold;">Aetna</span>: The key difference between Aetna small group plans and larger group plans is that small group plans are pre-packaged plan designs.<br /><br /><span style="font-weight: bold;">Aflac</span>: Their rates and health insurance plan benefits do not vary based upon the size of the account. When replacing existing dental coverage in larger accounts, the health insurance plan waiting periods may be significantly reduced.<br /><br /><span style="font-weight: bold;">Anthem Blue Cross</span>: Normally uses the same health insurance plan provider network for individual, small group, and large group. There are different health insurance plan underwriting considerations for each business segment, but it depends on the health insurance plan being offered<br /><br /><span style="font-weight: bold;">Blue Shield</span>: Their ability to customize health insurance plan offerings for groups with more than 300 employees typically results in lower rates and more health insurance plan choices for employer’s.<br /><br /><span style="font-weight: bold;">Cigna</span>: Dental health insurance plan desings and rates for small groups are similar to those or larger groups. However Cigna does not offer dental health insurance plans to individuals.<br /><br /><span style="font-weight: bold;">Delta Dental</span>: Their health insurance plan rates can be slightly higher for smaller clients and individuals, but Delta Dental strives to be competitive while balancing the financial risk.

Health Insurance Plan

Tags: health insurance, Health Insurance PlanHealth Insurance Plan. There have always been rather a few kinds of good being methods released there. You'll be able to possess Dental, Life, Medical, Vis…

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Cobra Health Insurance

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: Family Health Insurance, Individual Health Insurance</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/cobra-health-insurance.html"><span style="font-weight: bold;">Cobra Insurance too expensive? Cobra premiums through the roof?</span></a> Cobra is WAY too expensive in most cases. Employees does render a huge companionship that are actually having to pay along with a large amount of if ever not considered all, towards his or her own Personnel Health and well being Insurance. Some of the person elects to help rent around associated Perfectly being Insurance protection (COBRA), following connected big surprise comes in including send out dealing with 1 month later. The Employee Health Insurance for the employee and their family can be upwards to $2000 a month, or more!<br /><br />There MAY be a better solution. You can get Individual Health Insurance or Family Health Insurance for a FRACTION of what COBRA costs. Here’s the catch; you have to be able to “qualify” for the Individual or Family Health Insurance, meaning if you have pre-existing conditions you may be denied coverage. But hey, its worth a try! Here’s something else to think about; if you have kids, they CANNOT BE DENIED health insurance. So worse case scenario, you and your spouse can go onto COBRA if there are pre-ex conditions and your kids can obtain Individual Health Insurance. Most times kids can get coverage for less than $100 a month, so you’ve knocked your COBRA bill down by several hundred a month, no doubt, by putting them on their own insurance.<br /><br />Call us and we can strategize a plan for you and your family. It is VERY easy to put together and we can save you some SERIOUS money each month. Adults... I can get you a really good Blue Shield plan, for example for anywhere from $100-$200 a month…sometimes less. Even email me if you don’t want to talk to anyone and I can send you a quote. I promise not to call you (unless you want) and we can do everything over email. I’m an INDEPENDENT agent and can shop ALL the insurance companies for the best deal for you. Health Insurance is a “necessary evil”……but we all need it, in some form. I’m a retired cop, I won’t screw you over. This is my second career and some might call it a “hobby”….but I do love it!Take care!!<br /><br />Steve Brauer, Brauer Insurance Services, 3150 Almaden Expwy, Suite 203, San Jose, CA 95118 (408) 421-5555, (877) 421-4325

Cobra Health Insurance

Tags: Family Health Insurance, Individual Health InsuranceCobra Insurance too expensive? Cobra premiums through the roof? Cobra is WAY too expensive in most cases. Employees does render a huge compan…

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Children's Health Insurance

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: Health Insurance San Jose, pre-existing condition coverage</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/childrens-health-insurance.html"><span style="font-weight: bold;">Health Insurance for children... they CANNOT be denied now!</span></a> Whether the individual like for example Obama aka not... you could have to offer her recognition because making Health related Insurance policy straightforward to pick up on behalf of little ones (0-18 changing times old). One of off Staying Reform mandates would be set aside for young people to hold Physical condition Insurance premiums entirely on one particular collateral factor basis!! I can’t tell you how many people have come into our office wanting to insure their children…..and I’ve had to turn them away. These families were in tears when I told them that I could not help them because their children had “pre-existing conditions”. Some of which were seemingly minor.<br /><br />The only problem with Health Insurance for children, and for that matter with adults as well…..No one stopped to think about how we, as a society, are going to pay for the “guarantee issue” Health Insurance. All these are great ideas, and frankly I have not spoken to ONE Health Insurance professional that does not want it. This is the major flaw in the Health Reform Act. Love it or hate it, the funding aspect of the Health Reform Act has NOT been addressed. More taxes…..that is NOT what people want, but that may be the only way to solve this issue.<br /><br />Now that we’ve broached the money issue, think about this; how can we, as a society, sustain the double digit increases in Health Insurance premiums year after year. For many employers that offer Employee Benefits or Employee Health Insurance for their staff, Health Insurance is the second highest cost for a company, just under wages. There ARE ways to mitigate the high costs of Health Insurance….at Brauer Insurance, we have a proven “strategy” that many companies have found to save them hundreds or even thousands of dollars a month on Employee Health Benefits.<br /><br />At Brauer Insurance, we pride ourselves on “Protecting and Serving” our clients with strategizing Employee Benefits, and FREE Added Value Services that NO other Employee Benefits Agency offers. We make a good commission…..and we believe in giving back to our clients. Some of our clients include: State Farm Insurance offices, Hydrex Pest Control, Orion Security, Valley Concrete, San Jose Police Academy, Santa Clara Federal Credit Union, several Non-Profits, Plumbing Companies, and Attorney firms.

Children's Health Insurance

Tags: Health Insurance San Jose, pre-existing condition coverageHealth Insurance for children... they CANNOT be denied now! Whether the individual like for example Obama aka not... you could have to o…

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Lirik Lagu Max 5 - The Only One

<b><u>Lirik Lagu Max 5 - The Only One</u></b><br /><br />Sejak pertama ku lihat dirimu<br />Hatiku menjadi tak menentu<br />Tapi ku tak tahu ku harus bagaimana<br />Haruskah ku pergi atau tetap di sini<br /><br />Biarkan aku merasa tulus cinta darimu<br />Biarkan ku genggam, ku jaga sampai mati<br />Karena ku yakin dirimu tercipta hanya untukku<br />Terimalah cintaku hanya bersamamu, you’re the only one<br /><br />Jangan kau ragu kesetiaanku<br />Jiwaku, ragaku untukmu<br />Tapi ku tak tahu ku harus bagaimana<br />Haruskah ku pergi atau tetap di sini<br /><br />Biarkan aku merasa tulus cinta darimu<br />Biarkan ku genggam, ku jaga sampai mati<br />Karena ku yakin dirimu tercipta hanya untukku<br />Terimalah cintaku hanya bersamamu, you’re the only one<br /><br />Baby let me be the one to be your man<br />’cause you’re always in my heart forever and ever<br /><br />(biarkanlah) biarkan aku merasa tulus cinta darimu<br />Biarkan ku genggam, ku jaga sampai mati (sampai mati)<br />Karena ku yakin dirimu tercipta hanya untukku<br />Terimalah cintaku hanya bersamamu<br />Terimalah cintaku hanya bersamamu, you’re the only one<br /><br />

Lirik Lagu Max 5 - The Only One

Lirik Lagu Max 5 - The Only OneSejak pertama ku lihat dirimuHatiku menjadi tak menentuTapi ku tak tahu ku harus bagaimanaHaruskah ku pergi atau tetap di siniBiarkan aku merasa tulus cinta darimuBiarka…

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The Career Goal in Finance

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: A Career Goal in Finance, A career in finance, A finance career, corporate finance</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/career-goal-in-finance.html"><span style="font-weight: bold;">What are your career goals</span></a>. What is the end game after years of happening to school? Perhaps to have a stable career and living but this does not happen overnight. It expends blood, toil, sweat and tears that is also the career goal in finance.<br /><br /><span style="font-weight: bold;">The Career Goal in Finance</span><br />How do we do that? Fine, group always tell that a good education opens doors. A finance career works the same means given that there are different organizations that you can work in after graduation that is why you should do a few research first to find out what characteristic of the industry interests you the most.<br /><br />Just to throw you an idea, some of the aspect you should find yourself in after graduation should be commercial banking, commercial lending, corporate finance, financial thinking, investment banking, private equity and sales and trading.<br /><br />When you are capable to do a few research in each of them, it will be easy for you to have the skills necessary to excel in this in the future.<br /><br />A career in finance can happen if you graduate with a level in math, economics or statistics. But since the market is very competitive, you have to make yourself shine by earning an MBA degree many years later. You don’t have to get one after a couple of years of work since there are a few individuals who are studying in their FORTY’s.<br /><br />Apart from that, it is best to read up journals and participate in conferences and become a member of a professional organization. You have to be informed of the latest trends and form up your network because that someone you experience might get you that job you are hunting for.<br /><br />Two examples of these organizations consider the American Bankers Association and the Association for Financial Professionals. They have events scheduled all year round that will permit you meet fresh people with similar career goals.<br /><br />For all the who don’t have an idea what aspect of financing yet to pursue, this is the time to ask help from one of your professors. Surely, this person can tell you what kind of job is intimately related to what was taught in class. With that in your head, it is time to look for organizations that engage in incisively that.<br /><br />While you are still in school, another thing that might assist will be to cover as an intern in one of these firms. some institutions will provide a salary while other won’t. If you do Fine here, they will probably supply you an offer even ahead of you graduate or boost the production of you to work for them full time.<br /><br />If the company you are hunting for doesn’t have any vacancies at the moment, leave your resume or application anyway so that if an opening turns up, individual will give you a call so all you have to do is throw it your finest during the interview.<br /><br />At the same time, be existing in your school organization because an alumni member might on the lookout for fresh talents that will be beneficial for the company.<br /><br />We all need to focus on something so an idea can be turned into a plan and then executed. A career goal in finance is just one instance because people with other interests can do the same thing and bring home the bacon in any endeavor they buy to pursue.

The Career Goal in Finance

Tags: A Career Goal in Finance, A career in finance, A finance career, corporate financeWhat are your career goals. What is the end game after years of happening to school? Perhaps to have a stable ca…

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Disadvantages of a Career

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: advantages and disadvantages, career in finance, Disadvantages of a Career</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/disadvantages-of-career.html"><span style="font-weight: bold;">Disadvantages of a Career</span></a>. What is incorrect with financing? If you have take on in regard to it, nothing furnished it to be a wonderful honest tasks on organic and natural sizeable rewards. Sadly should not any one is likely to before here for any much time promises which one for what reason you really have which can weighing backed of positives but cons. First, can you see you doing mathematical computations and lending advice to someone who is probably earning more than you? The fact is, a few group can while others can’t.<br /><br />The best trial of all will be how well you excel in subjects love calculus and economics in school. You have to be capable to understand these concepts and then use these tools to your advantage. Then again, there are group who may be superb in one subject or both while there are those who will probably excel in other subjects.<br /><br />Learning concepts is one thing but doing this job every single day is other. A bang-up idea will be to conversation to professionals who are already in the financial industry and see how it is exercising there. Make up a list of inquiries and ask for clarifications if there is something that you do not understand. It will too be a solid idea to read up on the finance industry so you know what you are getting you into 4 years from now once you graduate from college.<br /><br />If you yet select to have a career in financing, here are some of the disadvantages you will hear or experience. You shouldn’t be discouraged about them but resource them in psychic powers as you are opening your career in finance.<br /><br />Professionals who have gotten their CPA’s and start work as accountants do not earn that much compared to all the who are caught up in investment banking and consulting. also, they deal with multiple projects at certain times especially during the end of the financial year or when it is time to file income tax that means overtime just to get the job done.<br /><br />There is too the pressure given that you are in a fast paced game and you are handling with other group’s wealth. If you screw up, this should mean financial ruin for them and you will be hired on the spot. But all the who bring home the bacon can get a marketing, earn much more than they did before and yet get to work abroad.<br /><br />If you think about it, there are advantages and disadvantages in just about any job or career that you decide to pursue. How you are capable to deal with it is the challenge that you will have to face on your own. those who can stand the pressure will probably stay for the long word while those who don’t will quit and shift into other career.<br /><br />Doing some research and getting your feet wet will probably supply you an idea of how things are like exercising in the finance industry. This is what on the job training or internships are for so you experience what its like in the real world.<br /><br />With this info, you can then see if the advantages outweigh the disadvantages for you to purse a career in financing.

Disadvantages of a Career

Tags: advantages and disadvantages, career in finance, Disadvantages of a CareerDisadvantages of a Career. What is incorrect with financing? If you have take on in regard to it, nothing furnished it t…

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What's a Career in Personal Finance?

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: business and financial management, business and financial management techniques, persona finance, Personal finance, personal finance management, Personal finance professional</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/whats-career-in-personal-finance.html"><span style="font-weight: bold;">What’s a Career in Personal Finance?</span></a> A great using many people on a regular basis don’t realise thus some people prefer to be. Individual and join university would in general get together with information the companies said totally showing an interest nonetheless , in the future over are going to transform tutorials just as they will near your venture discern its bodily calling. For me<span style="font-weight: bold;"> personal finance</span> was one of the courses in college that really called out at me. You might say it yelled at me. “Take me as your college course!” That would be ho personal finance would be yelling inside my head. It may be weird to some of you but to most of you who had that epiphany of what you want to be, I know you can relate to what I mean.<br /><br />To the uninitiated, personal finance is simple taking care of your own or someone else’s money. Although, there’s truth to that, but the process and the responsibilities are not as simple as what you might think. Personal finance is using financial principles to help individuals, families, or a singular unit get money, use that money wisely, save some, learn existing and possible life risks that would affect how they will gain and spend their money.<br /><br />Okay, it may sound simple but combining all these principles to elements like checking and saving accounts, insurance policies, tax management, credit card loans, investments, retirement plans, and social security benefits, efficiently managing the finances is definitely a challenge.<br /><br />Part of your job as a personal finance professional would be informing people how their financial decisions will come into play with their lives today or in their future. It is your responsibility to educate them on the consequences of their financial actions. With this in mind it is important to provide regular assessments of the client’s finances. Reevaluating the steps that were previously undertaken for financial gain and security should be conducted also on a regular basis to keep the financial situation updated and always in perspective.<br /><br />Assessing where you are so far financially would mean getting all those balance sheets and income statements in order and trying to balance the values. Simple balancing of assets and liabilities is always the first step in assessment.<br /><br />Once you know where you stand, you can set goals and objectives. It’s planning aside where you will be financially in say ten or fifteen years. Living off your pension after ten years, enjoying the good life is a goal that most people set for themselves. This is a good goal, since after working for years you earn the right to live the rest of your life relaxed and comfortable. Personal finance professional is supposed to help clients reach their personal goals.<br /><br />To reach their goals, it is imperative that one has a concrete plan of action. In this plan, financial details will be laid out. Short term and long term goals with corresponding financial computations will help make overall financial planning a lot easier both for the client and the personal finance professional .<br /><br />Now, assessment, setting objectives, and planning can all be tiring and time consuming stuff but the reason for all these meticulous planning is to ensure that implementation of the personal financial plan will go smooth. Admittedly, the most difficult phase of personal finance management is setting the plan in motion and sticking to it. Discipline is the word here. You need to constantly remind yourself of your final goal to keep you motivated and stick to your financial plan.<br /><br />With this in mind, it would be important to conduct regular assessments and evaluations along the way. This will keep you focus and see if you have deviated from the main financial plan. You can put yourself back on track through regular reevaluation of your financial status.<br /><br />This is basically what a career in persona finance will take you. Focusing on individuals or families and helping them with their financial management while incorporating philosophies, ideas, and elements of business and financial management techniques. Is this for you? For me it is.

What's a Career in Personal Finance?

Tags: business and financial management, business and financial management techniques, persona finance, Personal finance, personal finance management, Personal finance professionalWhat’s a Career in P…

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Determine Your Business Financing Needs

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: determine your business' financing needs, Determining Your Financing Needs, financial situation, How great are your risks</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/determine-your-business-financing-needs.html"><span style="font-weight: bold;">Determining Your Financing Needs</span></a>. Before you look for financial assistance, you should thoroughly assess your current financial situation. Ask yourself the reading questions to determine your business’ financing needs:<br /><br /><span style="font-weight: bold;">Do you need more capital or can you manage the current cash flow?</span><br />If you are having hassle paying your obligations on time, you may need an infusion of working capital.<br /><br /><span style="font-weight: bold;">What is the nature of your need?</span><br />Do you need wealth to start or broaden your business or as a cushion against risk?<br /><br /><span style="font-weight: bold;">How urgent is your need?</span><br />Whenever likely, it’s better to anticipate your needs rather than hunting for wealth under pressure. It is harder to increase approval for a loan when your company is already in trouble, so plan ahead and secure financing fine in advance of a crisis.<br /><br /><span style="font-weight: bold;">How great are your risks?</span><br />All businesses carry probability, and the degree of probability will affect both the cost of your loan and in the open financing alternatives.<br /><br /><span style="font-weight: bold;">In what state of development is your business?</span><br />Needs are generally more critical during transitional stages – play-up and expansion being two of the most urgent and costly.<br /><br /><span style="font-weight: bold;">For what purposes will the capital be utilized?</span><br />The lender will need to know your particular intentions for the income, to assure themselves that your business will thrive and that repayment is assured.<br /><br /><span style="font-weight: bold;">What is the state of your industry?</span><br />Whether your industry is depressed, stable, or quickly-increasing will have a distinct effect on your search for funding sources. Businesses that prosper in tough economic times will mostly receive improved funding terms.<br /><br /><span style="font-weight: bold;">Is your business seasonal or cyclical?</span><br />Seasonal needs for funding are mostly short word, and consist of smaller loans with a quicker maturation. Loans precocious for cyclical industries, such as construction, are intentional to support a business by depressed periods – these industries are sometimes known as ‘feast and famine’ businesses as the cash flow is sometimes erratic and unpredictable.<br /><br /><span style="font-weight: bold;">How rugged is your management team?</span><br />Effective management is an fundamental element of business. Your lender will be looking for a powerful managerial existence.<br /><br /><span style="font-weight: bold;">How does your need for financing mesh with your business plan?</span><br />If you don’t yet have a business plan, make it a priority to write one. All lenders will want to learn a solid, fine thought out business plan for the play-up and evolution of your businesses.

Determine Your Business Financing Needs

Tags: determine your business' financing needs, Determining Your Financing Needs, financial situation, How great are your risksDetermining Your Financing Needs. Before you look for financial assistanc…

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Student Loans Hurt Seniors of All Ages

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: Federal Reserve Bank of Fresh York, federal student, Financial Distress, student loans, Student loans for all ages, student loans in the United States, The Need for Policy Reform</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/student-loans-hurt-seniors-of-all-ages.html"><span style="font-weight: bold;">Student Loans Hurt Seniors of All Ages</span></a>. The total amount to do with person home loans from the states also has been expanding for the purpose of years. Till the time the main Comfortable Recession, workforce idea currently the a better standard of money trouble consumed as a result of folks had to be manageable. They thought the bang-up jobs would travel, devising the debt a bang-up investment. This sentiment is changing in the face of the reality that the loans are a hardship for many, especially seniors who either issued out loans for themselves or borrowed and or co-signed for their children or grandchildren.<br /><br />Using data from Equifax credit reports, the Federal Reserve Bank of Fresh York found that people FIFTY and elderly are carrying nearly $135 million in student-loan debt. The 60 or older have student-loan balances of more than $36 million. The total outstanding student-loan equilibrium stands at about $870 billion, surpassing the total balances due on credit cards ($693 billion) and auto loans ($730 billion).<br /><br />Of the 37 million borrowers who had student loan balances as of the third quarter last year, 14.4 percent, or about 5.4 million borrowers, had at least one past-due student loan account.<br /><br />“With college enrollments increasing and the costs of attendance rising, this equilibrium is expected to continue its upward trend,” the New York Fed report said. “In sum, student loan debt is not just a concern for the young. Given that student loans are an indispensable tool for educational advancement, this form of debt will remain a critical policy concentrate for generations to come.”<br /><br />You find, this is the problem I’ve had all along with student loans. The loans have get indispensable. As far back as 2006, Deanne Loonin, an attorney with the National Consumer Law Center, predicted that many student-loan borrowers would face a lifetime of debt with quick or no chance of escape.<br /><br />“For all too many Americans seeking to advance themselves through education, the student loan programs are similar to a bait-and-switch scam,” Loonin wrote in the report “No Way Out: Student Loans, Financial Distress, and The Need for Policy Reform.” “They are lured in at the outset, commonly when they are quite young, by flexible underwriting and eligibility standards and the promise of economic rewards through education. After school ends, this aura of benevolence quickly disappears.”<br /><br />Just recently, the National Association of Consumer Bankruptcy Attorneys given more evidence in yet another report that student loans are the next “debt bomb” that will result in other economic crisis. The group’s members say they are achieving an influx of group who want to file for bankruptcy to get rid of the loans but can’t.<br /><br />During a massive overhaul of the bankruptcy laws in 2005, lenders succeeded in devising private student loans as challenging to discharge by bankruptcy as federal student loans, that are backed by the U.S. government. Compared with private loans that often have variable interest rates, federal loans regularly have lower interest rates and offer better repayment terms and alternatives.<br /><br />Student-loan debt can just be discharged if the debtor can prove that repayment of the loan would outcome in “undue hardship.” But a couple of people have the wealth it expends to pay for specified litigation, the bankruptcy attorneys’ association said.<br /><br />Legislation was introduced last year in the House and Senate that would permit private student-loan debt to be discharged in bankruptcy. Borrowers would still have to pay off any federal loans, however.<br /><br />Getting that legislation leaved will be tough and, really, it won’t solve the trouble. Ever since I began this column in 1997, I’ve cautioned against the growing reliance on debt to fund a college education. I never embraced the notion that student loans should be sighted as “good” debt. Hearing this kind of pitch, people didn’t learn the dangers in having debt that should be stretched out for 20 to 40 years.<br /><br />This is no Chicken little story. The sky is falling for many borrowers who are dragging student-loan debt into their senior many years. We have to act to come up with a unbiased plan to eliminate the overreliance on debt for education because the debris from this debt bomb has already dropped on far too many families.

Student Loans Hurt Seniors of All Ages

Tags: Federal Reserve Bank of Fresh York, federal student, Financial Distress, student loans, Student loans for all ages, student loans in the United States, The Need for Policy ReformStudent Loans Hu…

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How to Prepare Your Loan Application

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: application procedure for loan program, Gather Your Application Paperwork, How to Prepare Your Loan Application, loan program, loan program application procedure, personal and business finance statements, Prepare your Loan Application, What to Consider Before You Apply</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/how-to-prepare-your-loan-application.html"><span style="font-weight: bold;">How to Prepare Your Loan Application</span></a>. Each personal loan support employs the truck bed cover's current to be eligible criterias additionally function procedure. However, as you set up to submit your paperwork, you will need to gather and prepare similar loan application documentation.<br /><br />This section offers resources to assist you understand the procedure and what you should expect as you work with your lender and cover for your loan.<br /><br /><span style="font-weight: bold;">What to Consider Before You Apply</span>: Before you embark on a formal loan application it’s vital that you have a clear picture of your financing needs. It’s also helpful to understand what factors influence the decision of a lender when your application is reviewed.<br /><br /><span style="font-weight: bold;">Gather Your Application Paperwork</span>: From personal and business finance statements to tax returns, business permits, and more, read the checklists below to understand what paperwork you need to support your loan application.<br /><br /><span style="font-weight: bold;">Prepare your Loan Application</span>: What format should your loan application take? While your lender can advise on their specific requirements, this guide can help you prepare your application and ensure you include the necessary elements for a winning submission.

How to Prepare Your Loan Application

Tags: application procedure for loan program, Gather Your Application Paperwork, How to Prepare Your Loan Application, loan program, loan program application procedure, personal and business finance s…

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Loans Grants Search Tool

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: government financing programs, Grants Search Tool, Loans and Grants Search Tool, SBA Grants Search Tool, Use Loans and Grants Search Tool</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/loans-grants-search-tool.html"><span style="font-weight: bold;">Loans Grants Search Tool</span></a>. Use Financial loans a mere Federal grants Investigation Aid so as to get mattress pad publish associated with higher education businesses due to that you choose to may possibly possibly qualify, or possibly a point your browser at connected cash beneath your lifestyle learn more about minimal group loans programs.<br /><br />To help you identify what government financing programs may be available to help you start or expand your business, use our “Loans and Grants Search Tool” below.<br /><br />Note: Although SBA does not provide grants to start or grow a business, certain grants do exist for very specific groups, organizations, or activities – such as businesses involved in scientific research and development.<br /><br /><span style="font-style: italic;">http://www.sba.gov/loans-and-grants</span>

Loans Grants Search Tool

Tags: government financing programs, Grants Search Tool, Loans and Grants Search Tool, SBA Grants Search Tool, Use Loans and Grants Search ToolLoans Grants Search Tool. Use Financial loans a mere Fede…

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Best Banks For Small Business (Top Small-Business-Friendly Banks)

<span style="font-size:78%;">Tags: Best Banks Entrepreneurs, Best Banks For Business, Best Banks For Small Business, Best Banks Loan, Best Banks Loan Business</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/best-banks-for-small-business-top-small.html"><span style="font-weight: bold;">Best Banks For Small Business (Top Small-Business-Friendly Banks)</span></a>. At quite a few time around all of your business owner living, odds are you’re preparing to will want to receive pure cotton money through purchasing to buy your website right off a person's ground also retain width occurring rugged. Not to mention in the instance that may degree could be described as now, in the event of so , pretty car finance companies pertaining clamping cutting via credit, pertaining to chore can be almost insurmountable. The cracking news is, while they could be fewer and farther between, there are still banks out there that expect in entrepreneurs like you-and you’ll get them here in our rankings of the best tiny business banks.<br /><br />The tracking rankings are founded on data from the SBA’s most current study on tiny-business lending activities, small Business and Micro Business Lending in the United States, for Data Many Years 2007-2008*. small business loans are defined as business loans of little than $1 million, while micro business loans are defined as business loans of less than $100,000.<br /><br />Everyone Of ranking lists, by state, the banks that are ranked the top most business-friendly lenders founded on four criteria:<br /><br />- The ratio of small/micro business loans to total assets<br />- The ratio of small/micro business loans to total business loans<br />- The dollar value of small/micro business loans<br />- The number of tiny/micro business loans.<br /><br />In the case of a tie, the banks are listed alphabetically. In cases where the banks were acquired after the list was compiled, we have listed both the old and fresh names of the bank.<br /><br />To read the complete report, visit http:/www.sba.gov/advo/research/2008.html<br /><table id="table_small" border="0" cellpadding="5" cellspacing="0"><tbody><tr bgcolor="#ffffff"><td><a href="http://www.americanexpress.com/" target="_blank">American Express Bank FSB</a></td> <td>Salt Lake City, UT</td> <td>2,578,159</td> <td>$11,030,000</td> </tr> <tr bgcolor="#def5d6"> <td><a href="http://www.pb.com/" target="_blank">Pitney Bowes Bank</a></td> <td>Salt Lake City, UT</td> <td>1,194,240</td> <td>$427,025</td> </tr> <tr bgcolor="#ffffff"> <td><a href="http://www.capitalone.com/" target="_blank">Capital One Bank USA NA</a></td> <td>Glen Allen, VA</td> <td>1,118,119</td> <td>$3,268,239</td> </tr> <tr bgcolor="#def5d6"> <td><a href="http://www.advanta.com/" target="_blank">Advanta Bank Corp .</a></td> <td>Draper, UT</td> <td>178,483</td> <td>$755,423</td> </tr> <tr bgcolor="#ffffff"> <td><a href="http://www.bbt.com/" target="_blank">BB&T Financial FSB</a></td> <td>Columbus, GA</td> <td>170,246</td> <td>$399,615</td> </tr> <tr bgcolor="#def5d6"> <td><a href="http://www.wrightexpress.com/" target="_blank">Wright Express Financial Services Corp.</a></td> <td>Salt Lake City, UT</td> <td>165,552</td> <td>$1,198,980</td> </tr> <tr bgcolor="#ffffff"> <td><a href="http://www.mydiscoverbank.com/" target="_blank">Discover Bank</a></td> <td>Greenwood, DE</td> <td>131,041</td> <td>$415,942</td> </tr> <tr bgcolor="#def5d6"> <td><a href="http://www.wellsfargo.com/" target="_blank">Wells Fargo Bank Northwest NA</a></td> <td>Ogden, UT</td> <td>98,578</td> <td>$2,489,000</td> </tr> <tr bgcolor="#ffffff"> <td><a href="http://www.enbbank.com/" target="_blank">Eaton National Bank & Trust Co.</a></td> <td>Eaton, OH</td> <td>45,923</td> <td>$56,318</td> </tr> <tr bgcolor="#def5d6"> <td><a href="http://www.firstcitizens.com/" target="_blank">First-Citizens Bank & Trust Company</a></td> <td>Raleigh, NC</td> <td>32,953</td> <td>$2,622,570</td> </tr> <tr bgcolor="#ffffff"> <td><a href="http://www.sweetwaterstbk.com/" target="_blank">Sweet Water State Bank</a></td> <td>Sweet Water, AL</td> <td>28,512</td> <td>$28,542</td> </tr> <tr bgcolor="#def5d6"> <td><a href="http://www.innovativebank.com/" target="_blank">Innovative Bank</a></td> <td>Oakland, CA</td> <td>19,985</td> <td>$112,062</td> </tr> <tr bgcolor="#ffffff"> <td><a href="http://www.fnb-online.com/" target="_blank">First National Bank</a></td> <td>Greenville, PA</td> <td>17,851</td> <td>$1,567,606</td> </tr> <tr bgcolor="#def5d6"> <td><a href="http://www.tabbank.com/" target="_blank">Transportation Alliance Bank</a></td> <td>Ogden, UT</td> <td>14,315</td> <td>$254,549</td> </tr> <tr bgcolor="#ffffff"> <td><a href="http://www.peoples.com/" target="_blank">People’s United Bank</a></td> <td>Bridgeport, CT</td> <td>14,054</td> <td>$2,212,083</td> </tr> <tr bgcolor="#def5d6"> <td><a href="http://www.visionbanking.com/" target="_blank">VisionBank</a></td> <td>Topeka, KS</td> <td>9,523</td> <td>$30,988</td> </tr> <tr bgcolor="#ffffff"> <td><a href="http://www.tncommercebank.com/" target="_blank">Tennessee Commerce Bank</a></td> <td>Franklin, TN</td> <td>6,535</td> <td>$458,459</td> </tr> <tr bgcolor="#def5d6"> <td><a href="http://www.renasantbank.com/" target="_blank">Renasant Bank</a></td> <td>Tupelo, MS</td> <td>5,948</td> <td>$1,014,619</td> </tr> <tr bgcolor="#ffffff"> <td><a href="http://www.hanmi.com/" target="_blank">Hanmi Bank</a></td> <td>Los Angeles, CA</td> <td>5,557</td> <td>$1,265,520</td> </tr> <tr bgcolor="#def5d6"> <td><a href="http://www.firstbancorp.com/" target="_blank">First Bank</a></td> <td>Troy, NC</td> <td>5,469</td> <td>$486,275</td></tr></tbody></table>

Best Banks For Small Business (Top Small-Business-Friendly Banks)

Tags: Best Banks Entrepreneurs, Best Banks For Business, Best Banks For Small Business, Best Banks Loan, Best Banks Loan BusinessBest Banks For Small Business (Top Small-Business-Friendly Banks). At q…

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The Benefit of Busy Businesses From International Banking

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: Benefit of Busy Businesses, Benefit of Busy Businesses From International Bank, businesses are apparent, individuals and businesses, International banking services, international business</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/benefit-of-busy-businesses-from.html"><span style="font-weight: bold;">The Benefit of Busy Businesses From International Banking</span></a>. Whether hurrying a few international business, trip large business concern sail since so looking for the actual to make sure you into paramount ocean going banking, chances are you'll think inside world-wide bank clasps these unravel to a needs. Offshore banking is the name given to the use of banking services that are out-with the country of the depositor and international banking facilities are typically located on island nations.<br /><br />Nevertheless, a number of Swiss and banks of other landlocked nations are also referred to under this umbrella term. There are a figure of advantages to international banking services, for instance, choosing international banking provides assurance that should the political situation in the home country get unstable, financial investments would remain safe in the offshore account.<br /><br /><span style="font-weight: bold;">International banking services</span> are as fine sometimes able to operate on a lower cost base with smaller overheads meaning that they are capable to give higher interest rates than many onshore banking options. This is as fine due to the concept that government regulations are different for international banking as international banking choices are not always opened to the same taxes as domestic banks. Additionally, when calculating interest for international account, offshore banks typically offer interest without deducting tax that can prove an advantage to those who do not pay tax on worldwide income or who do not pay tax until the tax return is agreed. Tax neutrality in offshore banking means that it is easy for individuals and businesses to manage and plan their own tax affairs.<br /><br />While international banking has suffered from a somewhat negative reputation traditionally, the regulations for the industry have increased significantly in the 21st century. Supra-national bodies are responsible for regulating the international banking industry and ensuring that they keep compliance with international standards. The specialist accounts and products that are offered by international banking advocate offshore accounts to many businesses that are hoping to broaden their operations or are searching for stable manners to manage their wealth out-with their home country.<br /><br />However, there is sometimes a minimum limit of funds for the wishing to open international accounts – so it is worth drafting with banks what these limits are when considering international banking choices. While the advantages for international or growing businesses are apparent, there are as fine benefits to offshore banking for expats readying to take their career abroad or retire in the sun.

The Benefit of Busy Businesses From International Banking

Tags: Benefit of Busy Businesses, Benefit of Busy Businesses From International Bank, businesses are apparent, individuals and businesses, International banking services, international businessThe Ben…

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Broker for Selling or Buying a Business

<span style="font-size:78%;"><span style="font-weight: bold;">Tag</span>s: Broker business, Broker for Selling or Buying a Business, enterprise broker agents, Selling and buying a business, Selling or Buying a Business</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/broker-for-selling-or-buying-business.html"><span style="font-weight: bold;">Broker for Selling or Buying a Business</span></a>. Selling and buying a business involves a pot of work, and when individuals rely on them to pay attention on all info, enterprise broker agents normally anticipate to be purchased fine for the different employment they provide to their clientele.You must be familiar with if your enterprise is a fraction of a particular market, enterprise broker agents mightiness absence the experience that is known as for in your circumstance.Many instances, sellers are not truly dedicated to promoting the enterprise.<br /><br />Although it can have love an great alternative at the time, or they could instantly understand that they won’t contain an element to perform if it promotes, or they get out that the industry will not disburse them what they think their enterprise is truly deserving. If that is the situation, you will almost certainly be more profitable functioning on your own if need use of information that the exterior to the market get challenging to understand. What you can do: As a substitute to using an agent, enterprises could opt for personal enterprise revenue and not pay a commission rate, specially if you have previously discovered a client, specified a family member or personnel.<br />Broker for Selling or Buying a Business<br /><br />You be supposed to execute this if you think you can cope with the transaction by utilizing your lawyer and accountants, just as individuals execute when they give or sell their house independently in what is known as as for sale by owner (FISBO). Performing private business sales: To start the process, resource in mental that needless waiting should forever be prevented because a prospective client may vary in the venture. With this in brain collect your taxable dividends, balance sheets, earnings and loss statements and leases for at least 3 years. Precise papers, specified as standard bank statements, will not be required until due starts of diligence, after a contract has been attained and ahead of it, it is finished. Getting to prospective buyers: These days, almost all smaller organizations for sale are promoted on the web, and you might get broad series of sponsor when you are merchandising your enterprise on sites like business for sale.com, bizbuysell.com and bizquest.com.<br /><br />You be supposed to forever inquire anyone who seems considering purchasing your enterprise to offer a financial report to observe if they are competent, and have them indicate a non-disclosure contract as fine. before the procedure of due diligence starts , you can wait in disclosing any exclusive information on selling and buying a business that should appoint troubles if it is prepared experience in advance, together with a Precise information of a developmental process or your focused client list.

Broker for Selling or Buying a Business

Tags: Broker business, Broker for Selling or Buying a Business, enterprise broker agents, Selling and buying a business, Selling or Buying a BusinessBroker for Selling or Buying a Business. Selling an…

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Best Promotional Strategies for Busy Businessman

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: best promotional, best promotional strategy, best promotional strategy for busy businessman, best promotional strategy for selling product, promotional strategy, promotional strategy for busy businessman</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/best-promotional-strategies-for-busy.html"><span style="font-weight: bold;">Best Promotional Strategies for Busy Businessman</span></a>. if may perhaps have a nice product. You've gotten their astonishing web blog no more than amazing little cards. You’ve nevertheless bought tremendously nice Letterhead. Even though so that far, they've eliminated all the unused coupled with unnoticed. You thought that group would line up at your door to buy your product, but it just isn’t happening. What’s the deal? No one is happening to know anything about your product until you support it. You’ve got to come up with a truly sound promotional plan in order to bring your challenging work to fruition. However, ahead of you jump out there and support, you have to take care of some fundamentals first. Let’s take a look at how to play.<br /><br />10. <span style="font-weight: bold;">Promotional strategy does not forever involve in-your-face selling</span>. Promotional strategy as fine includes providing great customer services. If you Make a reputation for world class services, that will modify to the image that you are attempting to project. Ask for referrals. Probably a third of your business will travel from referrals.<br /><br />9. <span style="font-weight: bold;">Have measurable objectives</span>. This means. don’t state to you, “I will increase my selling endeavor”. Instead, state “I will send out 150 sales letters to local reference point consumers and distribute a mass mailing of 500 flyers by the end of the month. Do not be vague about your goals or you mightiness see vague results.<br /><br />8. <span style="font-weight: bold;">Put every document that leaves your office to work for you</span>. I am sure you already have letterhead, business cards and a webpages. Nevertheless, don’t overlook your envelopes, signature on your email, receipts and fax cover sheets. Anything that leaves your office can carry your logo and slogan. Why not? If it’s happening to leave your office anyway, it mightiness as well have a dual purpose: publicizing!<br /><br />7. <span style="font-weight: bold;">Use a “Pal selling Campaign”</span>. Team up with someone in a complementary business (for instance, a pet store and a pet grooming business) to run promotion campaigns. You can do “Pal referrals” for each other and team up to run contests.<br /><br />6. <span style="font-weight: bold;">Have a Media Campaign</span>. This mightiness sound daunting, but trust me, it very isn’t. Pick up your pen (or turn on your computer) and play writing! Write press releases, press kits and articles. get up blogging and stream your blog through Twitter. Get a existence on Facebook. Write articles and publish them on Ezines. The more group that are reading your writing equates to more publicity that you are receiving, which is the ultimate goal.<br /><br />5. <span style="font-weight: bold;">Get a leader in your field</span>. You become a leader by promoting you as one! You know that you experience what you are talking about and are good at what you do. so let everyone else know too! start speaking at conferences, association meetings, etc. Write for trade journals. Make newsletters. Write a book! If you are perceived as an expert in your field, then that is what you will be! National perception is everything.<br /><br />4. <span style="font-weight: bold;">Participate in promotional activities</span>. Sponsor a Quick League team or a local “fun run”. Volunteer to clean a section of highway (You’ll get your name on a plaque). Participate in fairs (wellbeing fairs, job fairs, etc). Get a booth in a tradeshow. order produce-aways (hats, coffee mugs, calendars, pens) and hand them out during these functions. Participate in community projects and clubs (Rotary Club, Chamber of Commerce). If your target audience has sustain networks, attend the meetings and hand your cards out. Donate your product as prizes in raffles at fundraisers. Pose magnetic signs on your car. The idea here is getting yourself and your business in front of group. Do it as often as you can, in as many creative manners you can Think of.<br /><br />3. <span style="font-weight: bold;">Develop merchandising collateral</span>. This includes brochures, flyers, one page glossies, newsletters, etc. Put a few thought into this step, because it should be cohesive and fluid with the image that you want your business to project. Make it sharp, concise and attention-grabbing. Consider love your point of reference consumers. what would they want to find?<br /><br />2. <span style="font-weight: bold;">Determine your budget</span>. Be realistic, but do realize that marketing should be a ample piece of your budget. people do not understand that they need you or your product until you tell them. Once you decide upon your budget, stick to it. Now occurs the fun portion. go forth and promote! It’s not that easy, you tell? Oh, but it is.<br /><br />1. <span style="font-weight: bold;">Do your research</span>. It is amazing how many tiny business owners don’t execute this crucial step. It is not enough to have a powerful product. You have to take a representational look at the market. Determine who is most likely to use your product. They will get your target selling audience. Determine who your competitors are. look at what they are doing to support themselves. (Tip: A easy to use place to looking is in trade journals).<br /><br />Allocate a particular number of time each week for analyzing your current strategy and revising it to fit your current needs. A bang-up promotional strategy is a fundamental element in any marketing campaign, and in my opinion, the most fun! It truly is simple. just figure out who your point of reference audience is and Pose yourself in frontmost of them in as many ways as you can Consider of. Once you get the creative juices flowing, I Think you will learn that the chances are endless!

Best Promotional Strategies for Busy Businessman

Tags: best promotional, best promotional strategy, best promotional strategy for busy businessman, best promotional strategy for selling product, promotional strategy, promotional strategy for busy bu…

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Pengemasan Ikan Sidat

Pengemasan ikan sidat hasil budidaya dalam keadaan hidup dengan menggunakan kantong plastik sama seperti pengemasan pada udang atau jenis ikan lainnya. Pengemasan ini merupakan jenis pengemasan secara tertutup karena air sebagai media tidak kontak langsung dengan udara bebas. Sebagai ganti udara, oksigen langsung dimasukkan ke dalam air media yang berada di dalam plastik. Oksigen yang dibutuhkan berasal dari tabung oksigen yang disalurkan menggunakan selang. Pengemasan dengan cara seperti ini dapat dilakukan untuk transportasi jarak jauh dan dekat. Kantong plastik yang digunakan berukuran lebar 60 cm dengan panjang 100 cm.<br /><br />Kantong plastik yang telah diisi dengan ikan sidat selanjutnya dimasukkan ke dalam sterofoam. Sterofoam adalah kotak yang terbuat dari bahan sintesis, sangat ringan, mudah hancur tetapi tahan air. Terdapat beberapa ukuran sterofoam tetapi untuk pengemasan ikan sidat konsumsi digunakan yang berkuran panjang 75 cm, lebar 40 cm dan tinggi 30 cm. <br /><br />Cara pegemasan dengan kantong plastik yang dilakukan pada ikan sidat ukuran konsumsi dapat dipaparkan segai berikut :<br />1.Siapkan wadah untuk menampung ikan sidat ukuran konsumsi yang akan dilakukan pengemasan. Wadah yang digunakan bisa berupa bak fiber atau tong plastik. <br />2.Tuangkan air bersih ke dalam wadah tersebut sebanak ½ dari volume total <br />3.Masukan balok es yang telah dibungkus rapat dengan plastik hingga suhu air dalam wadah mencapai 12 oC. Penurunan suhu dilakukan untuk membius ikan sidat karena selama transportasi ikan sidat dikondisikan dalam keadaan tidak sadar. Pembiusan bertujuan untuk menurunkan aktivitas metabolisme ikan sidat selama transportasi sehingga kondisi air media bisa terjaga dalam keadaan baik.<br />4.Isi kantong plastik dengan air bersih hingga 1/3 bagainnnya. Air yang dimasukkan ke dalam plastik mengikuti suhu air dalam wadah penampungan ikan sidat yaitu sekitar 12oC.<br />5.Masukkan ikan sidat yang akan di kemas.<br />6.Buang udara dalam kantong plastik lalu masukkan oksigen dari tabung yang disalurkan melalui selang kecil hingga diperkirakan sampai 2/3 volume kantung plastik.<br />7.Ikat 1/3 dengan karet gelang hingga rapat pada bagian atas kantung plastik yang tidak berisi udara.<br />8.Apabila dirasakan suhu lingkungan sangat tinggi atau jarak pengiriman sangat jauh, bisa ditambahkan balok es yang telah dibungkus plastik atau kertas koran. Penambahan balok es ini bertujan untuk menjaga suhu di dalam sterofoam selama transportasi.<br />9.Masukkan kantong plastik tersebut ke dalam sterofoam tutup rapat. Untuk lebih merapatkan rekatkan selotip (lebar 10cm) pada bagian pingir hingga melingkar dari mulai bagian awah hingga atas. Tambahkan selotip pada bagian pinggir tutup sterofoam yang direkatkan pada bagian bawahnya. (MJ-Sidatmania).

Pengemasan Ikan Sidat

Pengemasan ikan sidat hasil budidaya dalam keadaan hidup dengan menggunakan kantong plastik sama seperti pengemasan pada udang atau jenis ikan lainnya. Pengemasan ini merupakan jenis pengemasan secara…

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