US Ready to Negro President?

Election On November 4 will take place unlike usually. For the first time, one of president's candidates, Barack Obama, is negro or black skin. Along with US torque of president's election, some voters will be faced with their racial look method personally.VOA asked to several people throughout country's part, about ready to have president of negro, just recently.
Political analyst also gave their view. Professor Larry Sabato from University of Virginia said, colour of Obama skin can not be avoided. Barack Obama nomination broke many matters. However, he not person of first black person who was nomination to White House. In 1972, member the Congress, Shirley Chisholm, including nomination candidate, but was not chosen to become candidate. In 1968, when Chisholm became the black person's first woman who was chosen to People's Representative Council member, US nation wake up to movement of civil right as well as opposing racial separation and discrimination in south. All at source in April 1968, when civil right fighter, Dr Martin Luther King, was killed. Person of angry black person, frustration, and raged in street.
Sixteen years afterwards, Jesse Jackson, campaigned to contest nomination of Democrat in 1984. He get 3.5 million voices in primary election party. In 1988, despite still failed to receive nomination, Jackson get 7 million voices. Barack Obama represented himself as candidate's different noose, said Thomas Mann, researcher's staff Brookings Institution, Washington.
Obama campaign appealing white people's circle, spanich, Asia-America, apart from black person personally. His nomination inspired young never been "seen" since age limit for election was dropped off to 18 years in 1972.
VOA team asked people in other area, various age groups, and level, are ready to choose the president of the black person. Many that responded positive and several said was not convinced.

How with your choice?

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Choose Good Insurance

Chose a good insurance company is not easy. Moreover in competition among insurance company. Many insurance companies claimed they is the best. you can see at insurance advertisements, almost not there is something missing. Likewise with achievement insurance company, always seen ok. Insurance company never share about weaknesses of company. Any several factors considered to process if you want choose for insurance company especially for life insurance. First , strength of finance (security). Second, service and three about premi fee.
Strength of insurance finance was related capacity of insurance company's finance if situation needed. Important for you know, because not few insurance companies outside luxurious. For example excellent building, management's vehicle was very good. But when came claim from customer, insurance company can not pay.

In considering strength of insurance company finance have several benchmarks must be paid attention to :

- Assets & Liability

You can see from report on balance of finance in newspaper. Saw also, insurance company investment in short tem or longterm. From aspect of liabilitas (capacity settled obligation) will be seen in balance, how his debt in reasuradur, how did i to pay claim, etc. Indicator liability including nett equity (capital personally) was divided premium nett with minimal 50%. Capital apart divided gross premium with minimal 20%. Level limit you can see from capital divided nett premium minimal 10% and investment fund divided minimal reserve 100%.

Underwriting Policy.

In balance and report yearly must still profit or growth. If balance and report yearly growth is a good underwiting policy. If you want to know about capability insurance company, you can see at insurance company underwriter.

- Service

You can see about quality in insurance company service. First-rate service is key. For example, how far speed of good service in publishing include payment or claim. Moreover, service in fact could be felt personally by customer. Insurance company must give best service for customer.

- Premi Fee

Big Premi fee is good service. It's not true. I suggest if you regist to insurance, you must compare with another insurance company. You can look in offered service insurance company, premi fee, and etc.

and you must paid attention for achievement of insurance company in two or for three years. How much about company profit every year, How much about gross premium every year, How much about increase in capital and assets every year. And importance of being how behaviour of management of company uptil now.

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