Rhoma Irama Dan ABRI Dukung Prabowo-Hatta

REPUBLIKA.CO.ID,JAKARTA--Calon presiden dari Partai Gerindra Prabowo Subianto berkunjung ke kediaman Rhoma Irama di Jalan Pondok Jaya VI, Mampang Prapatan, Selasa.

Prabowo tiba dilokasi sekitar pukul 17.10 WIB dengan menggunakan mobil bernomor polisi B 17 GRD. Ketua Dewan Pembina Gerindra yang mengenakan batik lengan panjang berwarna cokelat serta peci hitam turun dari mobil dan langsung menghampiri Raja Dangdut yang sudah menunggu kedatangannya di depan pintu.

Prabowo dan Rhoma saling bersalaman dan berpelukan. Pekikan "Allahu Akbar" bersahut-sahutan dari pendukung Rhoma Irama dan merekapun langsung masuk ke kediaman pimpinan Orkes Melayu Soneta tersebut.

Sementara itu Hashim Djojohadikusumo datang ke kediaman Rhoma lebih awal lima menit dari Prabowo Subianto. Adik Prabowo Subianto tersebut mengenakan kemeja putih dan langsung masuk ke kediaman Rhoma Irama.

Saat ini masih dilakukan pertemuan tertutup antara Prabowo Subianto, Hashim Djojohadikusumo, dan Rhoma Irama.

Sebelumnya pada Selasa (20/5) siang pasangan Prabowo Subianto-Hatta Rajasa mendaftarkan diri ke Komisi Pemilihan Umum (KPU) sebagai capres dan cawapres.

Pasangan tersebut diantar oleh ribuan pendukung yang tergabung dalam koalisi merah putih (Gerindra, Golkar, PAN, PKS, PPP, PBB).

Health Insurance Avoid Painful Dental Bills With Insurance

 Going to the dentist is bad enough without having to pay a huge bill. Forty-six percent of Americans don?t have dental insurance reports the National Association of Dental Plans. Many Americans have no idea that dental insurance even exists.

Individual dental insurance coverage is available, but you might have to do a little research to find the right policy for you. Dental work can run thousands of dollars in just a few visits. You want to have the policy that will best fit you and your family.

Like other health insurance policies, dental insurance ranges widely in the type of coverage you receive in relation to the benefits paid. Some things are simply not covered. Monthly premiums average anywhere from $12 to $50 per person.

That doesn?t sound too bad, but be sure that you check to see if this is simply an introductory rate. Many companies raise the rates significantly after the first year.

Make sure that you are dealing with a reputable insurance company. Dental insurance is a n area that is highly reported to have fraudulent companies taking advantage of consumers. If your work offers dental insurance, it is probably your best option. If it isn?t available through work, be prepared to shop around to find a good company that offers a good deal. You can start by asking for recommendations at your dentist?s office.

There are three types of dental insurance coverage: Dental HMOs, Dental PPOs and Dental indemnity plans.

Dental HMOs are similar to a traditional HMO. You a re given a limited selection of dentists that you can see. This type of dental insurance offers you the least amount of out-of-pocket costs. You premium costs are likely to be very affordable, often around $13 each month.

With a Dental HMO, you are usually guaranteed one or two dentists within 15 miles of your home or work. The focus tends to be on preventative care, with many plans paying 100% of these visits. They will usually pay for sealants or topical fluoride treatments that other plans do not cover. As your treatments become more complicated and expensive, your reimbursement rates could be at 50% or less.

Dental PPOs allow you to go to a network dentist and pay one set of prices. You can chose to see a dentist outside of your network for lessened benefits. The average monthly premium is usually around $30 per month.

Dental indemnity plans are considered traditional insurance plans and are rare when it comes to individual coverage. If you can find this type of coverage, expect to pay at least $40 per month.

There are credit unions, professional associations and affinity groups, such as AARP, that offer members access to group dental plans. You pay the entire premium, but get the benefits of being included in a group plan.

For example, AARP offers a group PPO plan to its members through Delta Dental. The monthly premiums range from $30 to $45 per person. Many areas such as preventative care, diagnostic and restorative treatments and oral surgery are covered by the plan. The premium is guaranteed for two years.

You could also check into group plans offered through your employer. You may have to pay 100 % of the premiums, but the terms are better than with an individual plan. Though it will usually cost you a little bit more, the benefits are well worth it. Many employers will let you pay your premiums with pre-tax dollars, adding more benefits to you.

Discount dental plans are becoming popular these days. Basically the plan negotiates your bill down, giving you a discount on certain procedures. These plans can cost you around $15 a month. You are responsible for paying the bill when services are given.

Some companies can negotiate you significant savings, especially in the case of major restorative work. But the plans are largely unlicensed by state authorities.

You should be careful when purchasing discount plans. Only buy through major insurance carriers ? they are always licensed. You could also look to companies associated with national organization s, but don?t take the company?s word, check with the organization itself.

Reputable plans will tell you that you are not purchasing insurance and will tell you all the terms and conditions in advance. You will be able to locate their web site, contact information and their corporation registrations for your home state. Ask which dentists are included in the service and double check with each office. Never send money without receiving the materials that spell out the terms first.

Auto Insurance Nineteen Things You Need to Know

If you drive a car, you need to understand auto insurance. Believe me; it?s much better to learn now than it is after an accident. Here are 19 ways to get the most coverage for the least money:

1. Spend your money wisely

Put your money towards the things that could wipe you out financially.

Most people will spend a lot of money to get a $500 deductible and ignore the fact that a $500,000 lawsuit could bury them forever. You should raise your deductible and increase your liability cover age. The premium change will balance itself out to about the same amount you are paying now. Raising your total liability coverage from the standard $300,000 to $500,000 will only cost you about $60 more per year on two cars.

Look at the trade-off: what you are saving in premiums vs. how much risk you can accept. You can save on your premiums by shaving off your personal injury protection. This is often called the medical payments coverage. If you already have health insurance, it will pay your medic al bills after an accident. You are basically paying for the same coverage twice.

2. Look at your liability coverage per person

Have your agent write your policy so that the total amount paid per accident and per person are the same amount.

If you have $300,000 in total liability, often only $100,000 is payable for each person injured. If you are sued by an individual for $200,000 ? you are responsible for half. Your $300,000 worth of coverage should reflect $300,000 worth of coverage.

3. Buy an umbrella policy

If you have a considerable amount of assets, or plan to, consider taking out an umbrella policy that covers both your home and autos for liability. These policies usually start at $200 to $300 annually for up to $1 million of coverage.

4. Good advice is worth looking for

Make sure that you get your advice from neutral, credited professionals. When shopping for an agent, look for experience. You don?t want to necessarily go with an agent that has only had one weeks worth of training! Look at their education and industry credentials. Look for those who are members of the CPCU, CIC and AAI.

5. Good credit ratings count

Your credit rating is used to determine your insurability and your premiums. Good credit equals affordable insurance.

6. Your insurance company pays for your rental

If you have been in an accident and your car has to be in the shop, make sure that your policy covers the costs of renting a similar car. While a week with your car in the shop doesn?t sound like all that long, one-week worth of rental fees can add up to the hundreds of dollars.

7. Shopping around pays off

Premiums vary widely from company to company. You can often pay more than double for the same insurance. Make sure that you call around for quotes from brand name companies and independent agents.

Don?t assume that going with a well known company will cost you more. Insurance companies with the best ratings often have the best prices.

Don ?t just get a quote ? ask for the exact numbers on the exact coverage you need. You want to compare apples to apples.

8. Take advantage of discounts

Discounts can help to save you a lot of money. If you haven?t had an accident in years, if you store your car in your garage, if you don?t drive many miles ? you may be eligible for a discount. Companies will also give you discounts for safety features and anti-theft devises. More than one car or more than one type of policy with a company gives yo u a discount also.

Paying your premiums annually instead of monthly can save you over $100 a year. Driving classes and good grades while in school can save you also.

9. Teens that aren?t driving don?t need to be insured

If you teen is away at college and is no longer driving your car, take them off of your policy. Teen drivers add anywhere from 50% to 500% to your premium. If your teen is driving, make him or her get their own insurance. Its time for them to start learning about insurance on their own.

10. Older cars don?t need collision insurance

If you have an older car, you often don?t need to carry collision insurance. You will be paying more in premiums for it than the car is worth. Ask your agent what your car is worth and how much of your premium goes towards collision insurance. Chances are you could just save the extra money for a year and have plenty set aside for replacing your car.

11. Shop for the best service

You need to find a company that is responsi ve, responsible and easy to deal with. Chances are that you are going to file a claim at some time in your life. You need an agent that will work with you towards a common goal: your satisfaction.

A good agent will act like a coach. He or she will advice you on how to present your claim to adjusters and will help you in any disputes. Don?t settle for a 800- number that never lets you talk to a real person.

12. Understand the claims process

Have the agent explain to you the claims process before you chose which company to go with. Find out if your insurance pays for brand name, generic or used parts to fix your vehicle. Are you limited in your choice of garages? Make sure that you have everything in writing.

13. Diminished value ? ask about it

This is a very hot topic when it comes to auto insurance. Is a car worth less after an accident? If it is, should the insurance fix the car and pay you the difference in values? Ask your agent what your state regulations and rulings are re garding diminished value.

14. As soon as you have an accident, call your agent

There are time limits for most claim reports, usually 48 hours. If you want to ensure that all is being taken care of, call immediately.

15. Keep claim records

Write down everything that happens after an accident ? names, dates and what was said. Keep track of when and who you speak with regarding the accident. You may be able to record any phone conversations. Save all of your receipts, get estimates and pick up a copy of the accident report.

16. Keep your claim moving

Shop around and get any necessary estimates. By jumping right in and doing so, you will be prepared and save everyone time.

17. Include everything in loss estimates

If you total your car, you may be able to recover the entire cost, including your sales tax and registration fees. Contact your agent to find out what estimates you need to have.

18. Be patient with your adjuster, but keep pressuring

An adjust er is just like you or me, they make mistakes. If you keep your temper and politely work your way up the chain of command, you will get much further. Have all denials put in writing with reasons included. Compare the explanation with your policy.

Your agent is there to make calls on your behalf. Ask to have the matter reviewed. You can choose to go into arbitration, but you will pay half of the costs. This is often quicker than taking the matter to court. See what the record of customer satisfaction is with the company?s arbitration hearings. Your last resort is suing.

19. If you switch companies, cancel your old policy

But don?t cancel it before you have new insurance. You want to have no gaps. Some companies will report that you are driving without insurance and you may face a suspended driver?s license. If you get a letter from the state, make sure that you provide your proof of insurance immediately.

Free Debt and Bill Consolidation

Debt and bill consolidation is the process of eliminating debt from many loans by taking out one loan that pays off the many loans, thus enabling the debtor to make a single monthly payment on one loan. This helps in paying off the debt at a reduced interest rate, since the new loan would be a secured loan while the earlier loans were unsecured loans, mainly credit card balances.

A free debt and bill consolidation is when such a process is managed and administered by a debt consolidation company f ree of charge. Normally, the consolidation process is undertaken by the consolidation company for a fee that is charged to the debtor?s account. A consolidation company charges fees at various stages.

Fees involved in a debt consolidation program are typically a percentage of the total debt to be consolidated. A debtor incurs a fee first when the consolidation company sets up his or her account and does an analysis of the debt situation. The company charges again when they initiate contact with the c reditors, and also when they send out letters to the creditors and collection companies to refrain from sending collection letters and embarrassing calls to the debtor. A final service fee falls due on the debtor when the consolidation company actually holds discussions with the creditors to agree to a feasible payment program.

Though the aforementioned need not be the case with every company, it serves to inform the debtor of the fees incurred in debt consolidation. This is an increasing trend in th e U.S. where fierce competition among debt consolidation companies has resulted in such companies looking elsewhere for fees than target the already helpless debtor.