What Obama's Health Care Plan Means for You - and What's Next

by Rebecca Ruiz
Tuesday, November 11, 2008

Successful heath care reform eluded both Presidents Bill Clinton and George W. Bush. It could be argued that one tried a bit harder at it than the other, but there's little question that the issue will command a significant amount of Barack Obama's attention after he's sworn into office--in large part because the people who elected him care so much about it.

Though 62% of voters ranked the economy as their chief concern, according to exit polls conducted Tuesday by the Associated Press and major television networks, 9% of voters listed health care as a primary concern. That trailed the number of voters worried about Iraq by only 1% and tied the percentage of those troubled by terrorism.

Read More

Posted by: Thomas Gillick

Insurance and Financial Planning

By: Thomas Gillick
When creating a financial plan people usually focus on expenses versus how much income they are spending. A crucial piece within the budget which some people overlook is insurance and insurance policies. Insurance can protect against accidents, ailments and aid in dealing with the death of a loved one. Auto, homeowner’s, health, liability and life insurance are just a couple examples of insurances that might be necessary. Homeowner’s insurance protects your house from some damages and liability issues such as someone getting injured on your property. Homeowner insurance ranges from HO-1 to HO-8 all having different amount of coverage. Auto insurance protects you from car accident damages and incidental damages done to your car. Car insurance is mandatory in order to have a vehicle on the road. Auto insurance policies are very different and depend on the characteristics of the policyholder. Liability insurance is usually held by higher income families in order to have lawsuit and liability coverage. Life insurance helps protect loved ones after someone dies in the family. Life insurance can provide dependents to maintain their standard of living and protect against expensive medical bills. Health insurance is also very important usually provided by employers in a benefits package. Insurance is a key component in any financial plan as it is as costly as it is important.
Sources:
http://finance.yahoo.com/how-to-guide/insurance/13308#c4
http://finance.yahoo.com/how-to-guide/insurance/12823
http://moneycentral.msn.com/insure/home.asp?pkw=PI&vendor=Paid+Inclusion&OCID=iSEMPI

Life Insurers Facing Cuts in Ratings

Posted by: Lauren Cappelli, Group 1A

By MARY WILLIAMS WALSH
Published: November 12, 2008

Life insurance companies, hobbled by real estate investments and committed to paying some costly retirement contracts, face more cuts in their credit ratings before the year is up and have little choice but to seek capital in unforgiving markets.

Companies have until Friday to apply for federal help under the Troubled Asset Relief Program, or TARP, but only about half of the life insurance industry will even be allowed to apply. The Treasury has said life insurers must be affiliated with banks or thrifts that are regulated at the federal level.

Some big state-chartered insurers that are interested, like Hartford Financial Group, appear to be shut out. Two other companies, Lincoln Financial, based in Philadelphia, and Genworth of Richmond, Va., have said they were interested, but would not be eligible.

Most life insurers have been unwilling to say whether they want to apply or not, for fear of sending a signal that they might need financial assistance. MetLife, one of the nation’s largest insurers, declined to comment on its interest through a spokesman, but many observers expect the company to apply for federal money, not because it is teetering, but to build a war chest for acquisitions.

The shares of the largest life insurers have been taking a pounding again this week, reaching new lows in some cases, after a report by Goldman Sachs suggested investors sell virtually all of them except for MetLife.

For full article click: http://www.nytimes.com/2008/11/13/business/13insure.html

Types of Insurance

Posted by: Allison Franklin, Group 1A

When most people think of insurance they do not realize how many different types exist. Today, insurance can be purchased for just about anything you can think of. However, there are a few common insurance types that everyone should be familiar with and have. These are:

1) Health Insurance- Health Insurance helps people cover the costs of their medical expenses. With the rising costs of health care, it is extremely important that people have good health coverage. Health insurance can be expensive, but many employees offer it to their employees as part of a benefit package and it is something that needs to be taken advantage of.

2) Life Insurance- Life Insurance provides money to the family of an individual after he/she passes away. The money can be specified to a go to a specific beneficiary in the family and it can be used to cover the funeral expenses. Another important aspect of Life Insurance is that some build cash value, which means they can be borrowed against by the insured if a situation arises where he/she needs money.

3) Homeowners’ Insurance- Homeowners’ Insurance protects the value of the home as well as the belongings inside of the home against loss or damage if a natural disaster hits. Everyone should have some Homeowners’ Insurance as the home is the largest investment that a person makes, and it needs to be protected. However, depending on what part of the country a person lives in he/she may need extra coverage.

4) Auto Insurance- In the United States it is usually mandatory to have auto insurance. Auto Insurance protects the person if his/her car is damaged in an accident and can also cover medical expenses related to the accident. Having auto insurance also protects the individual’s liability in the accident as the insurance helps to protect them if the accident is their fault.

There are many other types of insurance, these are just the four most important.

Sources:

1)"Insurance." http://en.wikipedia.org/wiki/Insurance

2) "Types of Insurance." http://www.essortment.com/all/typesofinsuran_ruqc.htm

3) "Types of Insurance Policies."

http://financialplan.about.com/od/insurance/a/insuredoneed.htm

Homeowners' Insurance

Posted by Allison Franklin, Group 1A

Home Insurance: What You Need to Know

By LESLEY ALDERMAN
Published: January 26, 2009

Your home is probably your largest and most important investment — not to mention that it’s also the roof over your head. Here’s how to make sure you get the right coverage.
While plans may vary from insurer to insurer, a standard homeowner’s policy generally has four components.

¶ COVERAGE FOR THE STRUCTURE This is the most important aspect of any policy. It covers damage to your house from fire, storms and other disasters (see exceptions below). It’s wise to insure your home for 100 percent of what it would cost to rebuild it. If destruction is complete — if, for example, your home burns to the ground — you will then have adequate funds. To determine what that amount would be, hire a local builder who can give you an estimate. Or figure it out yourself by using the free calculator at Building-Cost.net. A basic policy will insure your home against major disasters, except for flood, earthquake, war or nuclear accident. (For flood and other coverage, see below.) In addition, it will cover other structures on your property like a separate garage or shed. Some companies cover you at just 10 percent of the value of the structure of your home.

To read the full article click here

Forecast for 2009: Insurance industry leaders predict what’s ahead

By Jennifer C. Rankin

What a difference three months makes. During the first nine months of 2008, consumers, corporate execs, and media pundits felt uneasy about a wide variety of economic indicators, but hopeful. That all changed in September, when the credit crunch ballooned into Wall Street’s biggest crisis since the Great Depression, setting into motion an astonishing chain of financial failures and exposing the vulnerable underbelly of the world’s financial infrastructure.

On December 1, America’s bi-partisan National Bureau of Economic Research confirmed the U.S. is in a full-blown recession (and has been for a year). Stock indexes continue to yo-yo wildly. And venerable financial institutions are reaching out for federal financial aid, reinventing themselves as commercial banks, laying off tens of thousands of employees, putting themselves up for sale, and more.

It’s against this backdrop that Resource asked insurance industry leaders to share their thoughts on what the year ahead holds for sales, profitability, technology and customer service. The executives who participated in our annual forecast included a cross-section of members of the LL Global board of directors plus several industry analysts.

Click here to read more

Posted by Kaitlin Lanier

Laid-Off Workers to get Help with Health Insurance

Plan aids jobless with health costs

Posted by Stephen Mills; Group1a

By Julie Appleby, USA TODAY
Laid-off workers could get help with health insurance through the stimulus package under debate in Congress.
States would receive federal funds to open Medicaid health programs to the unemployed. And workers laid off between Sept. 1, 2008, and Dec. 31, 2009, could qualify for help paying 65% of the cost of keeping coverage under their former employers' insurance.

Under current law, many workers who lose their jobs can stay on their employers' health insurance for 18 months — if they can afford to pay the full tab plus a 2% administrative charge ..

The stimulus plan would helpworkers pay for that coveragewith temporary subsidies — 12 months under the House version and nine months under the Senate's .

"A subsidy is critically important," says Ron Pollack head of advocacy group Families USA, which says premiums can equal 84% of the average unemployment check.

The stimulus package also allows workers 55 and older and those with at least 10 years at an employer to extend coverage under their former employers' insurance at their own expense until they reach Medicare age or get other jobs.

"They're taking the opportunity of a fast-moving stimulus package to make a very big change in health policy," says economist Paul Ginsburg of the Center for Studying Health System Change, a non-partisan research group.

Employers object to that extension, saying it would raise their costs.That's because workers who retain coverage are likely to be older or sicker than those who seek other insurance, says Peter Lee, of the Pacific Business Group on Health, a business coalition.

About 9% of workers eligible for coverage through the federal Consolidated Omnibus Budget Reconciliation Act (COBRA) enroll, according to a recent Commonwealth Fund study. The law applies to firms with 20 or more workers.

Still, the COBRA subsidy and letting workers stay on their former plans until Medicare age could help some, says Karen Davis, president of the Commonwealth Fund.

"Not having COBRA expire at 18 months could be an important bridge (to Medicare) for older adults," Davis says

Link to Article

Things to Know When Buying Life Insurance Policy

Posted by Shu Zheng

Life insurance is classified into two categories – temporary and permanent. Temporary life insurance is also known as term insurance, and the permanent insurance is the combination of universal, whole life, and endowment life insurance. When people purchasing a life insurance, it is important to know the types of insurance as well as some bargain strategies.

Term insurance, which provides coverage for a specific period of time, does not accumulate cash value. The three key factors to be considered in term insurance are: face amount (protection of death benefit), premium to pay (cost to the insured), and length of coverage (term). Two common types of term insurance include annual reward term and mortgage insurance (Wikipedia).

Permanent insurance remains in force until the insurer fails to pay the premium. The policy cannot be canceled for any reason except fraud in the application, and the cancellation must incur within a specific period of time required by law. Unlike term insurance, the permanent one carries cash value, and the owner can access money by withdrawing, borrowing cash value, or surrendering the policy. Now as mentioned earlier, the permanent insurance exists in three basic forms: whole life, universal, and endowment. Whole life is the most common one among the three. The advantages of this policy include guaranteed death benefits, cash values. Even though premium is higher than terms, but the accumulative premiums are equal if policy is kept in force. Universal insurance is a new insurance product with greater flexibility and higher interest return. It exists in forms of interest-sensitive, equity-sensitive, and variable universal, all of which have close relationship with the market (Wikipedia).

When buying a life insurance, the agents generally want to push the sell of whole life because of high premium and commission. Although insurer can keep whole life policy for the rest of their life and build up cash in them with tax-free advantage, the high fees and commissions built into whole life along with surrender charges often leave people with little cash value after 10 or 15 years. So it is generally recommended for the average public to buy 20- or 30- years term policies since it is no long difficult to find (Buying Strategies). However, another factors such as health, smoking condition, income and ages of family members also have to be taken for account in terms of the coverage length. When it comes the time of purchase, people can consider providers such as Metlife, Prudential Financial, New York Life Insurance, TIAA-CREF and so forth (Which Companies).

Sources:

Wikipedia, http://en.wikipedia.org/wiki/Life_insurance#Types_of_life_insurance

Buying Strategies, (n.d) CNN Money, Jan. 26, 2009. http://money.cnn.com/magazines/moneymag/money101/lesson20/index3.htm

Which Companies, (n.d.) Insurance Information Institute, Jan. 26, 2009.

http://www.iii.org/individuals/life/facts/largest/

No Just Crash Protection, but Prevention

By Matt Nauman

Mercury News

Posted by Shu Zheng

A car that can brake itself to avoid a fender-bender during the morning commute might seem far into the future.

Except it goes on sale in March.

That's when City Safety, a low-speed collision-avoidance technology becomes available on the new 2010 Volvo XC60, a crossover utility.

City Safety is just one of several new technologies designed to prevent car crashes and save lives. Auto sales are at a nearly two-decade low, but the pace of safety innovations continues unabated. Whereas air bags, anti-lock brakes and electronic stability control were the standard for a safe car until very recently, automakers continue to raise the stakes.

Radar, lasers and cameras work with computers and sophisticated software to do tasks unheard of just a few years ago. They tell you if you're falling asleep at the wheel, or if a car is in your blind spot. If you drift from your lane, they warn you, and in some instances, nudge you back into your lane. And modern cruise control doesn't just keep a steady speed, but can help your car keep a steady distance with the car in front of you.

Click to read more

How to assess your life insurance needs

By Ginger Applegarth

What's your life worth? If you've shopped for life insurance, that's sort of what you're trying to find out. Chances are, you've heard different people suggest vastly different calculations on how to reach the right number.

The problem is that every person's situation is different, and although your financial situation may look the same as your colleague's, your needs are different.

MSN Money's Life Insurance Needs Estimator is based on a time-tested method used by reputable agents and financial planners for decades: the capital-needs analysis. The beauty of the capital-needs analysis is that it takes into account all of the quirks that make you and your situation unique.
Figuring out how much life insurance you need shouldn't be a guessing game. You can assess your needs -- and the needs of your loved ones -- and make a calculated assessment.
The Needs Estimator walks you through typical costs, such as a funeral (the average funeral in the U.S. is now about $6,500, though the true sum can easily reach $10,000 once a burial plot, flowers and other costs are included), to the atypical, such as the special-needs slush fund most people should include in their insurance calculations. (A safe estimate is about $20,000 to $25,000 to cover unexpected expenses.)

Do You Believe In Heaven?

Do you believe in heaven? Do you believe that people who are saved will go to heaven? What is your idea of heaven? Please elaborate your answer.

Tags: Heaven, God, Jesus Christ, Holy Spirit, Children of God, Bliss, Eternal Life, Salvation, Faith, Hope, Love, Grace, Amazing Love, God is Spirit, Worship, Glory, Honor, Power, Wisdom

Posted by: Mel Avila Alarilla
Philippines
Opinions/Viewpoints

Do You Believe In The Bible?

Do you believe in the Bible? Do you believe that it is the word of God written through the inspiration of the Holy Spirit? Please explain its significance in your life? If you don't believe in the Bible, please explain why?

Tags: Holy Bible, New International Version, King James Version, Inspiration, Holy Spirit, Bible Verse, God, Jesus Christ, Gospel, Canon, Church, Christians, Believers, Apocryphal, Dogmas, Evangelists

Posted by: Mel Avila Alarilla

$68 Billion Yearly: Medical Insurance Fraud

By Jen Lynch

To illustrate the escalating incidence of medical-related fraud, let me explain a recent case involving false injury claims. An employee of Mutual of Omaha was just sentenced to two years in prison for orchestrating false insurance claims with a policy holder in Vermont. This scheme started in 2001, and resulted in close to $1.4 million in medical payments over five years. The employee backdated each of the fraudulent claims to make it appear as though they happened at the time the client's policy was in effect. The policy holder received approximately $1,396,000 in the mail from Mutual of Omaha as reimbursement for the false medical expenses. The Mutual of Omaha employee was paid $95,600 by the client, for her assistance in the crime. This is just one example of the multitude of ways people are committing insurance fraud.

According to the Coalition Against Insurance Fraud, the following statistics are cases reported by the news media, by type of fraud, in 2008. (Click on the chart to see enlarged version)

The top two types of fraud are involved with healthcare. Surprising? The National Health Care Anti-Fraud Association states that the U.S. spends more than $2 trillion on healthcare annually, and in 2008, at least 3 percent of that spending, $68 billion, is lost to fraud every year. The problem with the statistics above is that they are only expected to increase in the future. Consumer attitudes towards insurance fraud are becoming more tolerant, and more people are expressing negative feelings about insurance companies.

The Coalition Against Insurance Fraud is asking that any new medical legislation introduced this year have strong anti-fraud provisions attached, and that all states adopt insurance fraud statutes. According to the Insurance Information Institute (III),  41 states and the District of Columbia have set up fraud bureaus to combat all types of insurance fraud. These agencies have reported increases in suspected fraud referrals, cases opened, convictions and court-ordered restitution. Hopefully these new agencies will help lower the outstanding amount of money lost to fraud, and help patch the holes in both the insurance and healthcare systems. 

For more about the Mutual of Omaha employee, click here.

Insurance Information Institute information

Coalition Against Insurance Fraud information

Do You Believe In Miracles?

Do you believe in miracles? Please explain your answer.


Tags: Miracles, God, Jesus Christ, Holy Spirit, Bernadette of Lourdes, Incorruptible Body, Exhumation, Signs and Wonders, Faith, Nothing Is Impossible With God

Posted by: Mel Avila Alarilla

PANTAI PARAI

Pantai yang sangat indah ini diberi nama Pantai Parai Tenggiri yang terletak di kawasan daerah Matras, tepatnya di teluk kecil yang diapit batu karang, saat ini telah dilengkapi dengan fasilitas-fasilitas wisata, antara lain Hotel Parai Indah, klasifikasi hotel berbintang 4 (empat) dilengkapi dengan Cottages, Restaurant, Kolam Renang, Diskotik, dan fasilitas lainnya, yang dapat memberikan pelayanan, kenyamanan dan keindahan alam bagi setiap wisatawan yang datang ke Pulau Bangka.

This SCHIP will sail, State Children's Health Insurance Program pushed by Obama

Posted by Jen Lynch

Obama hailed the 289 to 139 vote and nudged the Senate to act with the "same sense of urgency so that it can be one of the first measures I sign into law when I am president."

The president-elect vowed as a candidate to provide health coverage to every child, and the expansion of the State Children's Health Insurance Program, known as SCHIP, is a major down payment toward meeting that goal. "In this moment of crisis, ensuring that every child in America has access to affordable health care is not just good economic policy, but a moral obligation we hold as parents and citizens," Obama said.

The House legislation would cost nearly $33 billion over 4 1/2 years and would be funded in part by a cigarette tax increase of 61 cents to $1 per pack. Bush vetoed two similar bills in 2007, objecting to the tax increase and the expansion of government health care. The Senate Finance Committee will take up a similar measure today, with floor action expected to begin next week.

Click Here to read more

Do You Drink?

Do you drink? If yes, what is your favorite drink? Have you gotten so drunk in your life that you forgot what transpired when you were drunk? If you don't drink, please explain the reason why?


Tags: Drinking, Social Drinking, Party, Social Gathering, Feast, Drinking Sprees, Drunk, Intoxication, Intoxicated, Dead Drunk, Hangover, Addictive Drinking, Alcoholics Anonymous, Effects of Uncontrolled Drinking To One's Health

Posted by: Mel Avila Alarilla

What Is Your Stand Against Sexual Harassment In The Workplace?

What is your stand against sexual harassment in the workplace?
What would be your reaction if your boss made sexual advances against you? Please explain your answer.


Tags: Sexual Harassment, Sexual Advances, Workplace, Rights of Females in The Workplace, Human Rights, Violation of One's Dignity, Disrespect, Abuses, Boss, CEO, Freedom in The Workplace, Honor, Dignity, Respect, Equal Rights

Posted by: Mel Avila Alarilla

What Is Your Stand Against Pedophiles?

What is your stand against pedophiles? Do you condone or condemn their acts of lasciviousness against minors? Please explain your answer.


Tags: Pedophiles, Acts of Lasciviousness, Minors, Children, Rape, Bestiality, Sodomy, Innocence, Degradation, Poverty, Morals, Condemnation

Posted by: Mel Avila Alarilla

Do You Believe in Tithing?

Do you believe in tithing? Please explain and elaborate your answer.


Tags: Tithes, Tithing, Blessings, Thanksgiving, Gratitude, Faith, Trust in God, Generosity, Faithful Steward, Divine Providence

Posted by: Mel Avila Alarilla

What Would You Wish From Your Fairy Godmother?

Supposed your Fairy Godmother appears before your very eyes, what wish would you ask her that she can grant to you for this coming year 2009? Please explain your answer.


When You Wish Upon A Star



Tags: Fairy Godmother, Wishes, Life, Dreams, Fantasy, Fairy Tale, Happiness, Wonderful Life, Reality

Posted by: Mel Avila Alarilla

If I Am Santa Claus, What Would You Wish For This Christmas?

If I am Santa Claus, what would you wish for this Christmas? Do you expect to receive it this Christmas? Please explain your answer.


Tags: Christmas, Santa Claus, Yuletide, Mistletoe, Carols, Wishes, Joy, Celebration, Food, Gifts, Merry Making, Greetings, Sleigh Ride, Snow, Winter, Holidays, Feasting, Peace, Love

Posted by: Mel Avila Alarilla

Your Teenage Son Is Into Substance Abuse, How Would You React?

How would you react if you find out that your teenage son is into substance abuse and has been stealing money from you to buy illegal drugs? Please explain your answer.

Tags: Substance Abuse, Drug Addiction, Parents, Son, Family, Friends, Peer Pressure, Rebel, Misguided, Lack of Quality Time, Bonding, Family Values, Counseling, Freedom, New Leaf on Life, Acceptance, Restoration

Posted by: Mel Avila Alarilla

What Is Your Idea Of Effective Bonding With Your Family?

What is your idea of effective bonding with your family? How does your family react to your idea of bonding with them? Please explain your answer.


Tags: Family, Bonding, Mother, Father, Children, Family Activities, Harmony, Unity, Mutual Understanding, Peace, Happiness, Wellbeing

Posted by: Mel Avila Alarilla

Your Teenage Girl Is Pregnant, How Would You React?

How would react if your teenage daughter comes home crying and relates to you that she is pregnant? How would you take it? Please explain your answer.

Tags: Teenager, Daughter, Mother, Father, Family, Pregnancy, Flirting, Dates, Gimmicks, Happenings, Boy-Girl Relationships, Morality

Posted by: Mel Avila Alarilla

Just Being Silly ( A Re-Post From Bluebirdy)

This is a re-post from my good friend and blogger- Bluebirdy. It was so funny and I just feel I should share it with you- my beloved readers. Touche'.

Just being silly.

I hope it brought a smile into your faces the way it did to mine. A wonderful day to all.

Tags: Just Being Silly, Laughter- The Best Medicine, Sense of Humor, Happiness, Frivolity, Joy. Life, Alive, Wellness

Posted by: Mel Avila Alarilla

Would You Marry An Ex-Priest Or An Ex-Nun?

Would you marry an ex-priest or an ex-nun? Do you think you will be happy living with an ex-priest or an ex-nun? Please explain your answer.

Tags: Priest, Nun, Vows, Celibacy, Chastity, Obedience, Poverty, Renunciation of Vows, Living A Normal Life, Happiness

Posted by: Mel Avila Alarilla

Could You Love A Love Child Of Your Spouse?

Suppose you are childless with your spouse for a long period of time, then you found out that your spouse has a love child out of wedlock. Your spouse was suggesting to you that you adopt the love child since you have no children of your own. Would you adopt the love child of your spouse? Would you love the child as your very own even if the child will always remind you of a previous indiscretion by your spouse? Please explain your answer.

Tags: Child, Marriage, Relationship, Faithfulness, Adoption, Infidelity, Spouse, Indiscretion, Harmony, Love, Trust

Posted by: Mel Avila Alarilla

How Important Is Sex In Your Realtionship With Your Beloved?

How important is sex in your relationship with your beloved? Would you still love your lover if you find him/her impotent or frigid? Please explain your answer.

Tags: Love, Lovers, Relationship, Sex, Sexual Relationship, Impotent, Frigid, Togetherness, Warmth, Union, Companionship

Posted by: Mel Avila Alarilla

Do You Approve of Flirting?

Do you approve of flirting with a person you find very attractive and irresistible? If you are already married or engaged, do you feel any guilt when you flirt with the opposite sex? Please explain your answer.


Tags: Flirt, Flirtatious, Flings, Crushes, Infatuation, Attraction, Irresistible, Animal Magnetism, Magnificent Obssession

Posted by: Mel Avila Alarilla

What Attracts You Most From The Opposite Sex?

Nathalie Portman


What attracts you most from the opposite sex? Please elaborate and explain your answer.


Tags: Attraction, Sex, Feminine, Masculine, Animal Magnetism, Charisma, Desirability, Sex Goddess, Screen Goddess, Ultimate Hunk, Popularity, Sex Appeal

Posted by:Mel Avila Alarilla

Your Returning Spouse Have What?

               You have a spouse (or boyfriend or girlfriend if you are single) that worked abroad to help shore up the financial requirements of your family.  Your spouse suddenly came home and confided to you that she/he had developed the HIV virus (AIDS) through casual sex.  What would be your reaction?  Would you still accept her/him inspite of what had happened? Please explain your answer.

Tags: Husband, Wife, Overseas Foreign Worker, Casual Sex, HIV Virus, AIDS, Fidelity, Family

Posted by: Mel Avila Alarilla   

You Got AIDS By Accident, How Will You React?

               You inadvertently contacted the HIV virus through tooth extraction where the equipments used were not properly sanitized and it developed into a full blown AIDS.  What would be your reaction?  Would you sue the dentist that caused you to have the HIV virus?  Please explain your answer.

Tags: HIV, AIDS, AIDS Awareness, Promiscuity, Safe Sex, Abstinence, Sex Within The Marriage

Posted by: Mel Avila Alarilla 

Would You Pull The Plug?

You are the official guardian of a very closed relative who is in a comma at a hospital kept alive only indefinitely by life support systems. The doctor says that chances of any recovery and reawakening is almost nil. You are almost at the end of your patience and resources. The doctor says that it's your decision to pull the plug or not. Would you pull the plug? Please explain your answer.

Tags: Euthanasia, Mercy Killing, The Dignity of Life, The Inevitability of Death, Life Support System, Pull The Plug, Dying, Eternal Rest

Posted by: Mel Avila Alarilla

Do You Approve Of Homosexual And Lesbian Relationships?

Do you approve of homosexual and lesbian relationships especially homosexual and lesbian marriages? Please explain your answer.

Tags: Homosexual, Lesbian, Same Sex Marriages, Worldview

Posted by: Mel Avila Alarilla

Fun At The Beach

What is your most memorable experience at the beach or at the sea? Please share that memorable experience with us.

Tags: Beach, Fun, Sea, Friends, Beloved, Memories, Sun, Games

Posted by: Mel Avila Alarilla

tugas

halo bro.....
serlamat datang di blogku....
sebenarnya aq sama beberapa tmen brencana membuat blog untuk kelas, tapi sementara ini saja......

ini aq kasih source tugas java,,,,,

aq berharap dengan mengupload tugas tidak membuat teman-teman jadi malas.....

saya hanya bermaksud memicu semangat teman-teman semuanya,,,,
ehem.....
sok puitis....

jadi nanti saya minta temen-temen untuk menggunakan kreatifitasnya untuk mengutak-atik source dibawah ini....

saya juga minta sarannya....... ok.....


package pusing;

public class tugas1 extends javax.swing.JFrame {


public tugas1() {
initComponents();
}


private void initComponents() {

jLabel1 = new javax.swing.JLabel();
jLabel2 = new javax.swing.JLabel();
jLabel3 = new javax.swing.JLabel();
jLabel4 = new javax.swing.JLabel();
jTextField1 = new javax.swing.JTextField();
jTextField2 = new javax.swing.JTextField();
jLabel5 = new javax.swing.JLabel();
jTextField3 = new javax.swing.JTextField();
jButton1 = new javax.swing.JButton();

setDefaultCloseOperation(javax.swing.WindowConstants.EXIT_ON_CLOSE);

jLabel1.setIcon(new javax.swing.ImageIcon("J:\\New Folder\\DSC00019.jpg")); // NOI18N
jLabel1.setText("jLabel1");

jLabel2.setFont(new java.awt.Font("Tahoma", 0, 18));
jLabel2.setText("DATA DIRI");

jLabel3.setText("NAMA : ");

jLabel4.setText("NIM :");

jTextField1.setText("S1TI3G");

jTextField2.setText("ISIKAN NAMA KALIAN");

jLabel5.setText("NIM :");

jTextField3.setText("ISIKAN NIM");

jButton1.setText("OK");

javax.swing.GroupLayout layout = new javax.swing.GroupLayout(getContentPane());
getContentPane().setLayout(layout);
layout.setHorizontalGroup(
layout.createParallelGroup(javax.swing.GroupLayout.Alignment.LEADING)
.addGroup(layout.createSequentialGroup()
.addGroup(layout.createParallelGroup(javax.swing.GroupLayout.Alignment.LEADING)
.addGroup(layout.createSequentialGroup()
.addGap(41, 41, 41)
.addComponent(jLabel1, javax.swing.GroupLayout.PREFERRED_SIZE, 85, javax.swing.GroupLayout.PREFERRED_SIZE)
.addGap(59, 59, 59)
.addGroup(layout.createParallelGroup(javax.swing.GroupLayout.Alignment.LEADING)
.addGroup(layout.createSequentialGroup()
.addComponent(jLabel5)
.addPreferredGap(javax.swing.LayoutStyle.ComponentPlacement.UNRELATED)
.addComponent(jTextField3, javax.swing.GroupLayout.PREFERRED_SIZE, 133, javax.swing.GroupLayout.PREFERRED_SIZE))
.addGroup(layout.createParallelGroup(javax.swing.GroupLayout.Alignment.TRAILING)
.addGroup(layout.createSequentialGroup()
.addComponent(jLabel4)
.addPreferredGap(javax.swing.LayoutStyle.ComponentPlacement.RELATED)
.addComponent(jTextField1, javax.swing.GroupLayout.PREFERRED_SIZE, 133, javax.swing.GroupLayout.PREFERRED_SIZE))
.addGroup(layout.createSequentialGroup()
.addComponent(jLabel3)
.addPreferredGap(javax.swing.LayoutStyle.ComponentPlacement.RELATED)
.addComponent(jTextField2, javax.swing.GroupLayout.PREFERRED_SIZE, 133, javax.swing.GroupLayout.PREFERRED_SIZE)))))
.addGroup(layout.createSequentialGroup()
.addGap(138, 138, 138)
.addComponent(jLabel2, javax.swing.GroupLayout.PREFERRED_SIZE, 101, javax.swing.GroupLayout.PREFERRED_SIZE))
.addGroup(layout.createSequentialGroup()
.addGap(151, 151, 151)
.addComponent(jButton1)))
.addContainerGap(31, Short.MAX_VALUE))
);
layout.setVerticalGroup(
layout.createParallelGroup(javax.swing.GroupLayout.Alignment.LEADING)
.addGroup(layout.createSequentialGroup()
.addGroup(layout.createParallelGroup(javax.swing.GroupLayout.Alignment.LEADING)
.addGroup(layout.createSequentialGroup()
.addGap(20, 20, 20)
.addComponent(jLabel2, javax.swing.GroupLayout.PREFERRED_SIZE, 35, javax.swing.GroupLayout.PREFERRED_SIZE)
.addGap(46, 46, 46)
.addGroup(layout.createParallelGroup(javax.swing.GroupLayout.Alignment.LEADING)
.addComponent(jTextField2, javax.swing.GroupLayout.PREFERRED_SIZE, javax.swing.GroupLayout.DEFAULT_SIZE, javax.swing.GroupLayout.PREFERRED_SIZE)
.addComponent(jLabel3))
.addPreferredGap(javax.swing.LayoutStyle.ComponentPlacement.RELATED)
.addGroup(layout.createParallelGroup(javax.swing.GroupLayout.Alignment.BASELINE)
.addComponent(jLabel5)
.addComponent(jTextField3, javax.swing.GroupLayout.PREFERRED_SIZE, javax.swing.GroupLayout.DEFAULT_SIZE, javax.swing.GroupLayout.PREFERRED_SIZE))
.addGap(18, 18, 18)
.addGroup(layout.createParallelGroup(javax.swing.GroupLayout.Alignment.BASELINE)
.addComponent(jTextField1, javax.swing.GroupLayout.PREFERRED_SIZE, javax.swing.GroupLayout.DEFAULT_SIZE, javax.swing.GroupLayout.PREFERRED_SIZE)
.addComponent(jLabel4)))
.addGroup(layout.createSequentialGroup()
.addGap(94, 94, 94)
.addComponent(jLabel1)))
.addPreferredGap(javax.swing.LayoutStyle.ComponentPlacement.RELATED, 39, Short.MAX_VALUE)
.addComponent(jButton1)
.addGap(31, 31, 31))
);

pack();
}


public static void main(String args[]) {
java.awt.EventQueue.invokeLater(new Runnable() {
public void run() {
new tugas1().setVisible(true);
}
});
}


private javax.swing.JButton jButton1;
private javax.swing.JLabel jLabel1;
private javax.swing.JLabel jLabel2;
private javax.swing.JLabel jLabel3;
private javax.swing.JLabel jLabel4;
private javax.swing.JLabel jLabel5;
private javax.swing.JTextField jTextField1;
private javax.swing.JTextField jTextField2;
private javax.swing.JTextField jTextField3;


}

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