Tugas 3

Some people are very casual about handling theur money, while other people budget their money carefully. Which type of person are you?

Introduction : My reasons for budget my money carefully

Supporting Paragraph 1 : For Planning a Trip

(Example) :  going to travelling

(Reason)         : Necessary to avoid excess of budget.

(Personal Story) : When i am travelling, i plan some tourist attractions, and i choose the tourism places with the lowest budget. In order not to pass the budget travelling.


Supporting Paragraph 2 : for unexpected events

(Example)  : for health costs

(Reason)     : necessary to unforeseen expenses.

(Personal Story) : final semester in college was very tiring. There in one of month i was ill. For that i set aside money for unexpected expenses like buying medicines and vitamins.


conclusion : planning a trip and unexpected events that result from handling money carefully.

Introduction 1:
As the end of the level, students was feel bored in study. Many students travelling for eliminated boredom. Sometimes they are not thinking of expenses travelling. When planning and predicting an unexpected occurrence is very good. With good financial management, we may be traveling with fun without worrying about finances after traveling.

The Letter That Changes My Whole Life

It was the letter that changes my whole life without me even knowing it.

I am not a rich family. But also not of a poor family. My life is running with very happy, though never feel of luxury. I come from a family that was less understanding of education. Daddy and mama I just graduated Junior high school which is not too understand education. But dad always pressing right to achieve the highest education, even though I am a woman. A lot of people out there thinking if a woman does not need to get a high education, but not for my dad. For him the most important thing is education to get a bright future.

One day my dad is sick. Months Of he withstand the pain, therefore cannot earn a living for the family. Gastritis (maag kronis) indeed had long periods of illness. It was the worst moment in my life and my family's economy. At that point the father always told to his children that keep health and diligently studied in order to be successful in the future. Since that time my life changed. Of students who have not had any dreams and life goals into women who are full of dreams.

Women should be educated, not just for success but also to teach to his children in the future. That's the motto in my life.

Now I'm at Univesity of Gunadarma. 1 year again I will finish college. Insya allah :) ... soon my dream fulfilled one into a Bachelor's degree in economics. There are still a lot of my dreams in the future. One dream I want is lectures abroad. It's been a long time dream I dreamed of. Hopefully soon the dream come true :) aamiin
There is nothing impossible in this world if there is a will, hard work, prayers and encouragement from yourself, your family and the people surrounding us. Keep in the spirit of achieving that, we can surely :)

My Profile

I was born in jakarta, 20 years ago. Precisely dated August 19, 1996. I grew up in families betawi and sunda. I was given the name "raissya maghdalifah". raissya taken from the name of the great-grandfather of the "rais", because I am a woman, the name rais added the word 'sya' became raissya. While the maghdalifah was taken from one of the cities in Arabi, the muzdalifah. I am the second child of three siblings. My big brothe's name is Ridho Ayudia Arrazi. My lil brother's name is Achmad zaldy basyarrillah. My hobbies are watching a football game and basketball, listening to music, and travelling. I love PERSIJA Football club and Pelita Jaya basketball club.. My Idols are bambang pamungkas, cristiano ronaldo, arlonsy miraldy and daniel wenas. I like stuffed teddy bear, animal cats and the color red.


I have some ambition, the closest ambition now is completing my college with a GPA of 3.5. My second ambition is to continue study abroad. The reason is a little strange hehehe, because I want to feel the longing for my parents and indonesia. I would like to know how much I love my parents and indonesia. There are two countries which 'd like to continue my studies. They're United Kingdom and Australia. England is the best country to study and watch a football game hehe. And australia is a country with many Indonesian students who attend college.  


In my opinion, I'm a weak and unstable. Because I have a lot of ambition but don't know which measures have to be executed. I am the woman who easily touched. I am easy to cry when watching the sad movie. Moreover, a movie about old people.  I am the person who always want to be one step ahead from everyone, but my own laziness is bothering me.I'm easily get bored. I am someone who can't be mad. I would rather supressed my anger and forget it. People first impression of me, they think i am suck, ferociously, and arrogant, but when they are already getting to know me, i am someone who pleasant and kind.

TOEFL Test_Bahasa Inggris Bisnis2

TOEFL TEST  

What is the TOEFL Test?

 “TOEFL” stands for “Test of English as a Foreign Language”, and it designes to measure English language skills of non-native speakers. In particular, it measures four skills- speaking, reading, writing, and listening. However, it also tests skills that are bigger than just speaking or reading in English – such as your ability to understand new information, to create information, and to infer. 

TOEFL is a standardized test to measure the English language ability of non-native speakers wishing to enroll in English-speaking universities. The test is accepted bu many English-speaking academic and professional institutions. TOEFL is one of the two major English-language tests in the world, the other being the IELTS. 

TOEFL is a trademark of the Educational Testing Service (ETS), a private non-profit organization, which designs and administers the tests. ETS issues official score reports, sent independently to institutions, for two years following the test. 

 What is the purpose of the TOEFL test? 

Purpose of the TOEFL test is to evaluate the potential success of an individual whose native language is not English to use and understand standard American English at a collage level. 

No matter where in the world you want to study, the TOEFL tests can help get you there. More than 6.000 collages, universities including the top collages and universities in the U.S, Canada, U.K, Australia, New Zealand as well licensing agencies in 110 countris accept toefl, to be exact. 

TOEFL test to measure English language skills of non-native speakers, Testing the English language profenciency of non-native English speakers for academic and other porposes.  

Experience of TOEFL test. 

 Yash Sharma, Scored 107 out of 120 

 The experience was a mixed one.  

Reading- The reading section was breeze but I still put a lot focus in it as I tended to lose focus in the practice test and do silly mistakes. Nevertheless, I goofed up somewhere and got a 28. I was a bit tired by the end of it though. The passages were dead boring and very long so try to improve your stamina.  

Listening- I dreaded this section the most as I had heard from many people that others students speaking section can come up when you are trying to listen very carefully and I have had friends who screwed up this section just because of this section. So I just pressed the headphone tighter to my head and started listening and taking down notes. But god wasn’t on my side that day because not only did 3 other people nearby me started speaking, I also got experimental section in it. Si I ended up pressing the head phones tight to my ears for around 1 hour. Interestingly, I got a 30.  

Speaking- I goofed up this section pretty bad. I don’t know what happened, I got a tage fright and started stammering. This was not a good section for me. I ended up getting a 24 though.  

Writing- this was a pretty easy section. On the independent topic essay I just rambled on for like 750 words giving detailed examples for every point I raised. On the integrated writing question I noted down every point that the lecturer said and then just compared it with the complementary points from the passage. Just right as much as you can. I did the same and ended up getting a 28.  

Jash Bhankharia, Ms Computer Science,Boston University 

 It’s very basic exam of English. If you have studied in English for most of your life you should do well. To prepare you should just give some mock test to get familiarized with the type of questions and sections the have. A typical TOEFL exam has 4 sections-Reading, writing, listening, speaking.  

Reading- don’t read the entire passage at one go. You are gonna end up getting lost. Just read the first couple of lines of every paragraph and get a gist of what is it about. While andwering questions all questions will be in top to bottom order. (1st and 2nd question from paragraph 1 and so on) this will save you a lot of time.

 Writing- extravagant and flowery words are not always necessary. If you don’t know the meaning for sure then don’t write it. Also long essays will fetch you good score in writing. So just write as much as you can. Back up all your points with an example. Example should be genuine. It doesn’t matter if is true. You could make up any life event of your own. No one will come and ask for its proof.  

Speaking- practice with soft music palying around you. Not so soft that no one can hear and not so loud that you can’t concentrate at all. This will help you tackle the noise of students around you who are also on their speaking section.  

Listening- if you are a person who watches a lot of English movies and series (without subtitles) you should do fine in this section. Practice is the key to this. No specific hack I would say. 

Thank you for :

 https://magoosh.com/toefl/2015/what-is-toefl/ 

https://en.m.wikipedia.org/wiki/Test_of_English_as_a_Foreign_Language 

www.interface.edu.pk/tests/toefl/toefl-english.asp 

https://www.quora.com/Whats-your-TOEFL-experience? 

https://www.quora.com/How-was-your-experince-of-giving-TOEFL

Trend "Fashion"

Counter Proposal Letter

1. Business Letter ( Counter Proposal Letter)

Stevanus Dallamore


Sales Manager

Trojan Technology Industry

920 Aaron Smith Drive
York, PA 17404

January 20, 2011

To:

Gabriell Kyle

Contract Manager

Crème Enterprise

4398 Lucky Duck Drive
Penn Hills, PA 15235

Dear Sir

RE: Counter Proposal of Business Venture

Thank you for your invaluable feedback on our recent proposal to the upgrading of your business systems. Trojan Technology is pleased to revise our earlier proposal to accommodate the several requests you made, as follows, for your further re-consideration of accepting Trojan’s proposal.


Amendments to Proposal:

1.1       Total proposal can be paid accordingly: 50% upon confirmed acceptance of proposal, 30% upon complete handover and 20% after completion of training & official launching.

1.2       All equipment supplied by Trojan Technology shall enjoy a 5% discount off the retail prices.

Trojan Technology Industry is pleased to make the above amendments. We look forward to receiving your confirmed acceptance of our counter proposal.

Respectfully yours,

Stevanus Dallamore

Sales Manager

Trojan Technology Industry


2. What that type of the letter is used for
This letter is written in response to the feedback given by a company who received a proposal from another company. The company who gave the earlier proposal is writing back to confirm receipt of the feedback and to indicate the appropriate actions to be taken to ensure a smooth collaboration between the two parties. (English)

Surat ini ditulis dalam menanggapi umpan balik yang diberikan oleh perusahaan yang menerima proposal dari perusahaan lain. Perusahaan yang memberi usulan sebelumnya menulis kembali untuk mengkonfirmasi penerimaan umpan balik dan untuk menunjukkan tindakan yang tepat harus diambil untuk memastikan kolaborasi mulus antara kedua belah pihak. (Indonesia)

3. Explain the reason you chose to make an example for the letter
I want to learn about counter proposal, how to make counter proposal letter, who is sending letter and what is purpose from counter proposal letter.

Tugas3_SS_AHDE_ASURANSI KESEHATAN (PRUDENTIAL)

Assalamualaikum wr. Wrb
Kali ini saya akan membahas tentang sebuah perusahaan asuransi yang ada di Indonesia. Artikel ini juga melanjutkan pembahasan tulisan saya sebelumnya tentang asuransi kesehatan. Artikel ini akan membahas contoh perusahaan asuransi dalam bidang asuransi kesehatan. Perusahaan asuransi tersebut adalah PT. PRUDENTIAL LIFE INDONESIA.
Mengapa saya memilih untuk membahas PT. PRUDENTIAL INDONESIA, karena perusahaan ini sudah dikenal di Indonesia, dalam suatu artikel pt prudential juga masuk kedalam perusahaan asuransi terbaik di Indonesia dan dalam artikel yang lainnya pt prudential adalah perusahaan asuransi yang memiliki premi bruto yang besar lebih dari Rp1 triliun.
Tentang PT PRUDENTIAL INDONESIA
Didirikan pada tahun 1995, PT PRUDENTIAL LIFE ASSURANCE (PRUDENTIAL INDONESIA) merupakan bagian dari PRUDENTIAL PLC, sebuah grup perusahaan jasa keuangan terkemuka di Inggris. Sebagai bagian dari Grup yang berpengalaman lebih dari 167 tahun di industry asuransi jiwa, Prudential Indonesia memiliki komitmen untuk mengembangkan bisnisnya di Indonesia.
PT Prudential Lfe Assurance memiliki izin usaha di bidang asuransi jiwa patungan berdasarkan Surat Keputusan Menteri Keuangan Indonesia Nomor: 241/KMK.017/1995 tanggal 1 Juni 1995 juncto Surat Menteri Keuangan Nomor: S.191/MK.6/2001 tanggal 6 Maret 2001 juncto Surat Menteri Keuangan Nomor: S.614/MK.6/2001 tanggal 23 Oktober 2001 juncto Surat Menteri Keuangan Nomor S-9077/BL/2008 tanggal 19 Desember 2008.
Sejak peluncuran produk asuransi terkait investasi (unit link) pertamnya di tahun 1999, Prudential Indonesia telah menjadi pemimpin pasar untuk kategori produk tersebut di Indonesia. Prudential Indonesia menyediakan berbagai produk dan layanan yang dirancang untuk memenuhi dan melengkapi setiap kebutuhan keuangan para nasabahnya di Indonesia.
Sampai 31 Desember 2015, Prudential Indonesia memiliki kantor pusat di Jakarta dan kantor pemasarana di Medan, Surabaya, Bandung, Denpasar, Batam dan Semarang. Prudential Indonesia melayani lebih dari 2,5 juta nasabah melalui lebih dari 251.000 tenaga pemasar di 394 Kantor Pemasaran Mandiri (KPM) di seluruh Nusantara termasuk Jakarta, Surabaya, Medan, Bandung, Yogyakarta, Batam dan Bali.

Beberapa pencapaian bisnis kunci sampai 31 Desember 2015:
Total pendapatan premi Rp. 26,9 triliun
Total kontribusi dana tabarru Rp. 2,2 triliun
Total asset Rp. 55,9 triliun
Total dana kelolaan Rp. 45,2 triliun
Tota klaim dibayarkan Rp. 9,1 triliun
Risk-Based Capital (RBC) 1,029%

Adapun produk-produk yang dimiliki Prudential Indonesia:
Perlindungan Terkait Investasi:
PRUmy child
PRUlink edu protection
PRUlink fixed pay
PRUlink investor account
PRUlink syariah assurance account
PRUlink syariah edu protection
PRUlink syariah investor account
PRUlink assurance account
PRUlink capital account
Manfaat Tambahan
 PRUcrisis cover 34
PRUcrisis cover benefit 34
PRUcrisis cover benefit syariah 34
PRU crisis cover syariah 34
PRUcrisis income
PRUcrisis income syariah
PRUearly stage crisis cover syariah
PRUhospital & surgical cover
PRUhospital & surgical cover syariah
PRUjuvenile crisis cover
PRUjuvenile crisis cover syariah
PRUlink term
PRUlink term syariah
PRUmed
PRUmed syariah
PRUmultiple crisis cover
PRUmultiple crisis cover syariah
PRUparent payor 33
PRUparent payor syariah 33
PRUpayor 33
PRUpayor syariah 33
PRUpersonal accident death
PRUpersonal accident death plus
PRUpersonal accident death & disablement
PRUpersonal accideny death & disablement syariah
PRUpersonal accident death & disablement plus
PRUpersonal accident death & disablement plus syariah
PRUpersonal accident death plus syariah
PRUpersonal accident death syariah
PRUspouse payor 33
PRU spouse payor syariah 33
PRUspouse waiver 33
PRUspouse waiver syariah 33
PRUwaiver 33
PRUwaiver syariah 33
 Perlindungan
Asuransi Jiwa Berjangka
PRUlife cover
PRUsafe guard
Asuransi Jiwa Tradisional
PRUuniversal life
Asuransi Kecelakaan
PRUaccident cover
Dwi Guna
PRUprotector plan

Ada 2 cara pengajuan klaim :
1. Penjaminan
2. Reimburstmen
Prosedur pengajuan klaim penjaminan
A. Klaim Rawat Inap
Pastikan Anda menghubungi Pelayanan Medis 24 jam PRUhospital & surgical 75 sebelum rawat inap dilakukan, atau maksimal 2 x 24 jam setelah rawat inap dilakukan (jika keadaan darurat).
Klarifikasi ketertanggungan diri Anda akan terlebih dahulu dilakukan oleh Petugas Pelayanan Medis 24 jam. Informasi yang akan ditanyakan meliputi :
- Nama Anda (pemegang kartu tertanggung PRUhospital & surgical 75)
- Nomor telepon
- Nomor Polis
- Tanggal lahir
- Nama Rumah Sakit dan Dokter yang ingin dituju (jika ada)
- Surat rujukan dari Dokter
- Gejala atau kondisi medis yang Anda hadapi sehingga memerlukan rawat inap
Selanjutnya Petugas Pelayanan Medis 24 jam dapat memberikan referensi atau informasi mengenai Rumah Sakit yang menjadi rekanan/provider atau Anda dapat memilih Rumah Sakit sesuai dengan keinginan Anda asalkan masuk dalam daftar provider. Petugas Pelayanan Medis 24 jam dapat memberikan saran-saran medis jika Anda butuhkan
Sesegera mungkin setelah Anda tiba di Rumah Sakit. Anda harus menunjukan Kartu Tertanggung Anda kepada petugas administrasi rumah sakit
Selama perawatan Anda memenuhi ketentuan dan batas maksimal manfaat yang tertera di Polis Anda, Anda tidak perlu mengkhawatirkan biaya perawatan di Rumah Sakit. Karena biaya-biaya yang timbul sehubungan perawatan tersebut akan dijamin atau ditanggung terlebih dahulu oleh PT Prudential Life Assurance. Apabila ada selisih yang melebihi batas maksimal manfaat yang tertera dalam Polis, termasuk apabila Anda dirawat inap di kamar yang biayanya diatas batas manfaat polis Anda, maka selisih biaya yang dimaksud akan diinformasikan kepada Anda. Selisih dari biaya tersebut, harus Anda bayarkan ke Rumah Sakit sebelum Anda meninggalkan Rumah Sakit.
Daftar provider rumah sakit dapat berubah. Oleh karena itu, untuk mengetahui daftar provider yang terbaru klik di sini. Anda dapat menghubungi Petugas Pelayanan Medis 24 jam PRUhospital & surgical 75.
B. Klaim Rawat Jalan (khusus perawatan sebelum dan sesudah rawat inap)
Kartu Tertanggung PRUhospital & surgical 75 Anda tidak dapat dipergunakan sebagai jaminan pembayaran atas biaya rawat jalan yang Anda lakukan. Klaim rawat jalan, sesuai dengan yang tertera di Ringkasan Polis dan Ketentuan Polis, dapat Anda ajukan setelah pengobatan dilakukan, dengan ketentuan sebagai berikut :
Mengisi Formulir Klaim dengan lengkap, jelas dan benar. Formulir dapat diperoleh di Kantor Pusat Prudential Life Assurance atau melalui website pada menu "Formulir Klaim dan Aplikasi Lainnya"
Melengkapi dokumen persyatan klaim, yaitu :

- Semua kuitansi dan tanda terima asli atas biaya perawatan
- Laporan Lengkap dari Dokter / SKD (Surat Keterangan Dokter)
- Rincian biaya perawatan dari Dokter, termasuk biaya obat-obatan dan jasa yang diberikan
Dokumen persyaratan klaim tersebut di atas mohon dikirimkan ke : PT Prudential Life Assurance
Prudential Tower Jl.Jendral Sudirman Kav.79, Jakarta 12910
Cara pengajuan klaim atas pembayaran manfaat (Reimburstmen):
Rawat Inap
(PRUmed, PRUmedia prima, PRUhospital & surgical, PRUhospital & surgical syariah, hospital cash plan, hospital in safe, dan PRUhospital care).
Dokumen yang dibutuhkan:
Formulir klaim yang telah diisi dengan near dan lengkap
Formulir surat keterangan dokter
Resume medis
Salinan seluruh hasil pemeriksaan laboratorium dan radiologi
Kuitansi asli beserta rinciannya.
Non Rawat Inap
Dokumen yang dibutuhkan:
Polis asli
Formulir klaim meninggal dunia/ crisis cover/ waiver/ total & permanent disability/ PRUpersonal accident death & disablement.
Formulir surat keterangan dokter
Resume medis
Salinan seluruh hasil pemeriksaan laboratorium dan radiologi
Salinan KTP/bukti kenal dari anda dan penerima manfaat
Surat keterangan meninggal dunia dari rumah sakit (formulir A1) dan salinan surat keterangan kematian tertanggung/akte kematian, dika meninggal dunia
Salinan pengubahan nama (jika pengubahan nama pernah terjadi)
Surat berita acara kepolisian jika meninggal karena kecelakaan yang melibatkan pihak kepolisian.